WO2021129104A1 - 一种业务信息的处理方法、装置及电子设备 - Google Patents

一种业务信息的处理方法、装置及电子设备 Download PDF

Info

Publication number
WO2021129104A1
WO2021129104A1 PCT/CN2020/123380 CN2020123380W WO2021129104A1 WO 2021129104 A1 WO2021129104 A1 WO 2021129104A1 CN 2020123380 W CN2020123380 W CN 2020123380W WO 2021129104 A1 WO2021129104 A1 WO 2021129104A1
Authority
WO
WIPO (PCT)
Prior art keywords
business
flow information
information
resource
message
Prior art date
Application number
PCT/CN2020/123380
Other languages
English (en)
French (fr)
Inventor
李梦敏
Original Assignee
支付宝(杭州)信息技术有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 支付宝(杭州)信息技术有限公司 filed Critical 支付宝(杭州)信息技术有限公司
Publication of WO2021129104A1 publication Critical patent/WO2021129104A1/zh

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the embodiments of this specification relate to the technical field of business processing, and more specifically, to a method for processing business information, a device for processing business information, an electronic device, and a computer-readable storage medium.
  • the user In business information processing, the user usually initiates a business information processing request through the card issuing bank as the initiator, and the card organization acts as the acceptor and arbitrator to forward the business information processing request to the acquiring bank, third-party payment company, and merchant.
  • the business information flow needs to be manually recorded in the third-party payment company's risk control system, and at the same time complete the comparison with the payment information.
  • the business capital flow is transparently transmitted by the acquiring bank to the third-party payment company's acquiring system, which is parsed by the acquiring system and pushed to the risk control system, and the risk control system associates the business capital flow with the business information flow.
  • One purpose of the embodiments of this specification is to provide a new technical solution for business information processing.
  • a method for processing business information including: generating business records based on resource flow information and message flow information, and freezing corresponding business orders and funds; wherein, the resource flow
  • the information includes the flow information of the fund information of the business order, the message flow information includes the transmission information of the business mail of the business order; according to the resource flow information of the same business order and the message flow
  • the information matching result generates a business judgment result; the business judgment result includes at least business judgment rule information and corresponding fund information; the business judgment result is compared with the resource flow information, and the comparison is successful.
  • the business order and funds are allocated according to the business judgment result.
  • the method before generating the business record, further includes: receiving the business email containing the message flow information; and generating the business record according to the resource flow information and the message flow information includes : Obtain the resource flow information corresponding to the message flow information from the information entry interface to generate the business record.
  • the method before generating the business record, further includes: receiving a business email containing the message flow information; receiving and parsing a resource file message to obtain the resource flow information; Generating business records from resource flow information and message flow information includes: associating the resource flow information with the message flow information to generate the business records.
  • the method further includes: generating a business occurrence message
  • the business occurrence message includes at least business time, business amount, order number, merchant name, card organization, and corresponding business reason code.
  • the message flow information includes at least: business amount, business currency, bank serial number, business time, business reason, merchant number, transaction time, transaction amount, and transaction currency;
  • the resource flow The information includes at least: resource file type, resource transfer amount, resource transfer currency, bank serial number, and resource transfer time.
  • the business record includes at least: business currency, business amount, transaction serial number, merchant number, bank serial number, and resource transaction information.
  • the method further includes: when the comparison between the service judgment result and the resource flow information fails, providing the user with the service judgment result and the resource flow information; and receiving based on the service judgment The result is compared with the input of the resource flow information.
  • a device for processing business information including: a business record generation module, used to generate business records based on resource flow information and message flow information, and freeze corresponding business orders and funds
  • the resource flow information includes the flow information of the capital information of the business order
  • the message flow information includes the transmission information of the business mail of the business order
  • the matching module is used for the same business order
  • the matching result of the resource flow information and the message flow information generates a business judgment result
  • the business judgment result includes at least business judgment information and corresponding fund information
  • a comparison module is used to compare the business The judgment result is compared with the resource flow information, and when the comparison is successful, the business order is unfrozen and funds are allocated according to the business judgment result.
  • an electronic device including the service information processing apparatus as described in the second aspect of the embodiments of the present specification, or the electronic device includes: a memory for storing Executing the command; the processor is configured to execute the service information processing method described in any one of the first aspect of the embodiments of this specification under the control of the executable command.
  • a computer-readable storage medium storing executable instructions, and when the executable instructions are executed by the processor, the services described in the first aspect of the embodiments of the present specification are executed Information processing method.
  • a beneficial effect of the embodiment of this specification is that the method of this embodiment automatically generates business records according to resource flow information and message flow information, and triggers the operation of freezing the corresponding business orders and funds;
  • the resource flow information and the message flow information generate a business judgment result;
  • the business judgment result is compared with the resource flow information, and when the comparison is successful, the business order is unfrozen and funds are allocated according to the business judgment result.
  • the automatic processing of business information is realized, the risk of errors caused by manual participation is reduced, and the processing efficiency of business information can be improved.
  • Fig. 1 is a schematic diagram of an actual scenario of a method for processing business information according to an embodiment of this specification.
  • FIG. 2 is a block diagram showing the hardware configuration of the server 1000 that can implement the embodiment of the present invention.
  • Fig. 3 is a flowchart of a method for processing business information according to an embodiment of the present specification.
  • Fig. 4 is a functional block diagram of a device for processing service information according to the first embodiment of this specification.
  • Fig. 5 is a functional block diagram of a device for processing service information according to the second embodiment of this specification.
  • Fig. 6 shows a functional block diagram of an electronic device according to an embodiment of the present specification.
  • any specific value should be construed as merely exemplary, and not as a limitation. Therefore, other examples of the exemplary embodiment may have different values.
  • Fig. 1 is a schematic diagram of an actual scenario of a method for processing business information according to an embodiment of this specification.
  • the business information is, for example, chargeback business information.
  • the processing scenario of the chargeback business information includes card issuing banks, card organizations, acquiring banks, third-party payment companies, and global merchant systems.
  • the user contacts the card issuing bank to initiate a chargeback service.
  • the issuing bank, card organization, and acquiring bank receive the chargeback information flow information and the chargeback fund flow information from the user, and forward them to the third-party payment company and Its merchants.
  • the refusal information flow information is mainly transmitted by mail
  • the refusal capital flow information is mainly transmitted through the capital document message, which belongs to the transmission at the system level.
  • the third-party payment company includes a financial gateway system, a chargeback system, and a chargeback center.
  • the refusal business After receiving the refusal information flow information and the refusal capital flow information, the refusal business can be divided into a synchronous mode and an asynchronous mode.
  • the acquiring bank transmits the fund document message to the financial gateway system, and the financial gateway system parses the fund document message to obtain the refusal fund flow information, and push it to the chargeback system and chargeback center, and the chargeback system
  • the system will automatically generate a part of the refusal record based on the refusal fund flow information and the refusal information flow information, and a complete refusal record can be generated after manually supplementing the reason for the refusal.
  • the acquiring bank In the asynchronous mode, the acquiring bank only sends the chargeback information flow information to the chargeback system via email. At this time, no chargeback flow is generated, and it needs to be manually entered into the chargeback system to generate a complete record of the chargeback.
  • the chargeback system is automatically triggered to send a message of chargeback occurrence to the merchant via the chargeback center, and the corresponding business orders and funds are frozen at the same time.
  • the chargeback system can also generate chargeback result information by comparing the difference between the chargeback information flow information and the chargeback fund flow information under the same chargeback business.
  • the chargeback center compares the chargeback fund flow information received from the financial gateway system and the chargeback result information received from the chargeback system, generates a chargeback result message when the comparison is successful, and unfreezes the corresponding business orders and funds. Complete processing of chargebacks.
  • the global merchant system is connected to the chargeback center to receive the chargeback occurrence message and the chargeback result message, and when the order is frozen and unfrozen, the chargeback occurrence email and the rejection result email are sent to the seller's mailbox.
  • FIG. 2 is a block diagram showing the hardware configuration of the server 1000 that can implement the embodiment of the present invention.
  • the server 1000 may be, for example, a blade server or the like.
  • the server 1000 may be a computer.
  • the server 1000 may include a processor 1100, a memory 1200, an interface device 1300, a communication device 1400, a display device 1500, and an input device 1600.
  • the server may also include speakers, microphones, etc., these components are not related to the present invention and are therefore omitted here.
  • the processor 1100 may be, for example, a central processing unit CPU, a microprocessor MCU, or the like.
  • the memory 1200 includes, for example, ROM (Read Only Memory), RAM (Random Access Memory), nonvolatile memory such as a hard disk, and the like.
  • the interface device 1300 includes, for example, a USB interface, a serial interface, and the like.
  • the communication device 1400 can perform wired or wireless communication, for example.
  • the display device 1500 is, for example, a liquid crystal display.
  • the input device 1600 may include, for example, a touch screen, a keyboard, and the like.
  • the server 1000 resource flow information and message flow information generates business records, and freezes corresponding business orders and funds; wherein, the resource flow information includes the flow information of the capital information of the business order, and the report
  • the message flow information includes the transmission information of the business mail of the business order; according to the matching result of the resource flow information of the same business order and the message flow information, a business judgment result is generated; in the business judgment result It includes at least business judgment information and corresponding fund information; the business judgment result is compared with the resource flow information, and the business order is unfrozen when the comparison is successful, and funds are allocated according to the business judgment result.
  • the server shown in FIG. 2 is only illustrative and does not imply any restriction on the present invention, its application or use.
  • the memory 1200 of the server 1000 is used to store instructions, and the instructions are used to control the processor 1100 to operate to execute any one of the service information processing methods provided in the embodiments of the present invention.
  • the present invention may only involve some of the devices.
  • the server 1000 only involves the processor 1100 and the storage device 1200.
  • Technical personnel can design instructions according to the disclosed scheme of the present invention. How the instruction controls the processor to operate is well known in the art, so it will not be described in detail here.
  • This embodiment provides a method for processing business information, and the method may be executed by, for example, the server 1000 as shown in FIG. 2.
  • the method includes the following steps 2000-2400.
  • Step 2000 Generate business records based on the resource flow information and message flow information, and freeze corresponding business orders and funds.
  • the resource flow information includes the flow information of the fund information of the business order
  • the message flow information includes the transmission information of the business mail of the business order.
  • the message flow information includes at least: business amount, business currency, bank serial number, business time, business reason, merchant number, transaction time, transaction amount, and transaction currency.
  • the resource flow information may be obtained by analyzing the resource file message.
  • the resource file message may be: Alipay, AliExpressEU, ordercode, trade_no, cardbrand, chargebackdate, ChargebackReversed(type), charegebackcurrency, chargeback amount, original currency, transaction date, originalamount.
  • the resource flow information may include at least: resource file type, resource transfer amount, resource transfer currency, bank serial number, and resource transfer time.
  • the type of the fund document can be business deduction or business payment.
  • the business record includes at least: business currency, business amount, transaction serial number, merchant number, bank serial number, and resource exchange information.
  • the server 1000 may also receive business emails containing the message flow information.
  • the server 1000 when the server 1000 generates a business record, it can obtain the resource flow information corresponding to the message flow information from the information entry interface to generate the business record.
  • the server 1000 may also receive a business email containing the message flow information; and receive a resource file message, and parse the resource file message to obtain the resource flow information.
  • the server 1000 when the server 1000 generates a business record, it can associate the resource flow information with the message flow information to generate the business record.
  • the server 1000 can also automatically notify the merchant of the occurrence of business and the freezing of funds, so that the merchant can process the business information in a timely manner.
  • the server 1000 may also generate a business occurrence message; send the business occurrence message to the corresponding merchant; where the business occurrence message includes at least business time, business amount, order number, Merchant name, card organization and corresponding business reason code.
  • the amount and currency of the business amount can be converted and exchanged in accordance with the requirements of the merchant.
  • the business reason code can correspond to different business reasons, such as sending the wrong goods, the description does not match the actual product, and dislike.
  • the service occurrence message may be, for example, chargeback date, trade_no, order id, chargeback amount, chargeback currency, reason code, cardbrand, chargeback type (merchandise, fraud, other).
  • step 2200 is entered, and the business judgment result is generated according to the matching result of the resource flow information and the message flow information of the same business order.
  • the business judgment result includes at least business judgment information and corresponding fund information.
  • the business judgment information is, for example, business wins, business losses, and business part wins and partial losses; the corresponding fund information may be the winning amount corresponding to the winning of the business, the losing amount corresponding to the losing of the business, and so on.
  • the business judgment result is partial wins and partial losses, and the business wins 60 and loses 40.
  • the message flow information shows the business amount of 100, and the loss amount of 0 is displayed after the netting based on the resource flow information, the funds are safe. Accordingly, the business judgment result is that the business wins, and the winning amount is 100.
  • the message flow information shows the business amount of 100, and the loss amount of 100 is displayed after the netting according to the resource flow information, the business has lost the lawsuit. Accordingly, the business judgment result is that the business has lost the lawsuit, and the lost amount is 100.
  • step 2400 the business judgment result is compared with the resource flow information, and when the comparison is successful, the business order is unfrozen and funds are allocated according to the business judgment result.
  • the server 1000 After the server 1000 generates the business judgment result according to the message flow information and executes the order completion operation, it automatically compares the business judgment results, such as business wins and corresponding amounts, business losses and corresponding amounts, partial wins and partial losses and corresponding If the amount does not match the resource flow information, the business information corresponding to the order is set to be processed, and the business information waits for manual verification processing. If the two are checked manually, the unfreezing of funds and orders will be executed, and the business information will be terminated. That is, the server 1000 provides the user with the service judgment result and the resource flow information, and receives the comparison result based on the service judgment result and the resource flow information input.
  • the server 1000 provides the user with the service judgment result and the resource flow information, and receives the comparison result based on the service judgment result and the resource flow information input.
  • the server 1000 when the comparison is successful, the server 1000 will also generate a business result message and send it to the corresponding merchant.
  • the business result message may be, for example, trade_no, order_no, trade_cb_judge_amount, trade_cb_judge_cur, cb_payer.
  • the server 1000 will automatically allocate compensation funds after unfreezing the business order and funds.
  • the logic of allocating compensation funds can be divided into the following three situations, for example:
  • Scenario 2 The buyer wins the lawsuit, the third-party payment company loses its business, and the merchant is responsible for the loss of assets.
  • the funds are transferred from the merchant's compensation account to the business advance account to make up for the deduction of the third-party payment company by the acquiring bank:
  • the server 1000 automatically generates business judgment results by automatically generating business records, freezing business orders and funds, and comparing the resource flow information and message flow information of the same order, and automatically comparing the business judgment results and resource flow information. Generate business result information and unfreeze business orders and automatically allocate funds based on the business judgment results, thereby realizing automatic matching of message flow information and resource flow information, and implementing auxiliary functions such as intercepting refunds and freezing funds, effectively identifying repeated deductions The risks that occur at the same time as manual judgment errors, prevention and control of business and refunds.
  • the method of this embodiment automatically generates business records based on the resource flow information and message flow information, and triggers the operation of freezing the corresponding business orders and funds; then by matching the resource flow information and message flow information of the same business order , Generate a business judgment result; compare the business judgment result with the resource flow information, unfreeze the business order when the comparison is successful, and allocate funds according to the business judgment result.
  • the automatic processing of business information is realized, the risk of errors caused by manual participation is reduced, and the processing efficiency of business information can be improved.
  • the device is, for example, the device 4000 for processing business information shown in FIG. 4.
  • the device 4000 for processing business information may include a business record generation module 4100, a matching module 4200, and a comparison module. 4300.
  • the business record generating module 4100 is used to generate business records according to resource flow information and message flow information, and freeze corresponding business orders and funds; wherein, the resource flow information includes the flow information of the capital information of the business order , The message flow information includes the service mail transmission information of the service order.
  • the matching module 4200 is configured to generate a business judgment result according to the matching result of the resource flow information and the message flow information of the same service order; the business judgment result includes at least business judgment information and corresponding information Funding information.
  • the comparison module 4300 is configured to compare the business judgment result with the resource flow information, unfreeze the business order when the comparison is successful, and allocate funds according to the business judgment result.
  • the comparison module 4300 provides the user with the service judgment result and the resource flow information; and receives the comparison result input based on the service judgment result and the resource flow information.
  • the service information processing device 4000 may further include a receiving module 4400, which is used to receive service emails containing the message flow information; correspondingly, the service record generating module 4100 is used to Obtain the resource flow information corresponding to the message flow information from the information entry interface to generate the business record.
  • a receiving module 4400 which is used to receive service emails containing the message flow information
  • the service record generating module 4100 is used to Obtain the resource flow information corresponding to the message flow information from the information entry interface to generate the business record.
  • the receiving module 4400 may also be used to receive business emails containing the message flow information; and to receive and parse the resource file message to obtain the resource flow information.
  • the business record generating module 4100 is configured to associate the resource flow information with the message flow information to generate the business record.
  • the business record generation module 4100 can also be used to generate a business occurrence message; send the business occurrence message to the corresponding merchant; where the business occurrence message includes at least business time, business amount, order number, and merchant Name, card organization and corresponding business reason code.
  • the message flow information includes at least: business amount, business currency, bank serial number, business time, business reason, merchant number, transaction time, transaction amount and transaction currency;
  • the resource flow information includes at least: resources File type, resource transfer amount, resource transfer currency, bank serial number, and resource transfer time.
  • the business record includes at least: business currency, business amount, transaction serial number, merchant number, bank serial number, and resource exchange information.
  • the service information processing apparatus of this embodiment can be used to implement the technical solutions of the foregoing method embodiments, and its implementation principles and technical effects are similar, and will not be repeated here.
  • an electronic device which includes the business information processing device 4000 described in the device embodiment of this specification; or, the electronic device is the electronic device 6000 shown in FIG. 6 and includes: a memory 6100 , Used to store executable commands.
  • the processor 6200 is configured to execute the method described in any method embodiment in this specification under the control of the executable command stored in the memory 6100.
  • the implementation subject of the electronic device according to the executed method embodiment may be a server.
  • This embodiment provides a computer-readable storage medium in which an executable command is stored, and when the executable command is executed by a processor, the method described in any method embodiment in this specification is executed.
  • the embodiments of this specification may be systems, methods and/or computer program products.
  • the computer program product may include a computer-readable storage medium loaded with computer-readable program instructions for enabling a processor to implement various aspects of the embodiments of the present specification.
  • the computer-readable storage medium may be a tangible device that can hold and store instructions used by the instruction execution device.
  • the computer-readable storage medium may be, for example, but not limited to, an electrical storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing.
  • Non-exhaustive list of computer-readable storage media include: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM) Or flash memory), static random access memory (SRAM), portable compact disk read-only memory (CD-ROM), digital versatile disk (DVD), memory stick, floppy disk, mechanical encoding device, such as a printer with instructions stored thereon
  • RAM random access memory
  • ROM read-only memory
  • EPROM erasable programmable read-only memory
  • flash memory flash memory
  • SRAM static random access memory
  • CD-ROM compact disk read-only memory
  • DVD digital versatile disk
  • memory stick floppy disk
  • mechanical encoding device such as a printer with instructions stored thereon
  • the computer-readable storage medium used here is not interpreted as the instantaneous signal itself, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through waveguides or other transmission media (for example, light pulses through fiber optic cables), or through wires Transmission of electrical signals.
  • the computer-readable program instructions described herein can be downloaded from a computer-readable storage medium to various computing/processing devices, or downloaded to an external computer or external storage device via a network, such as the Internet, a local area network, a wide area network, and/or a wireless network.
  • the network may include copper transmission cables, optical fiber transmission, wireless transmission, routers, firewalls, switches, gateway computers, and/or edge servers.
  • the network adapter card or network interface in each computing/processing device receives computer-readable program instructions from the network, and forwards the computer-readable program instructions for storage in the computer-readable storage medium in each computing/processing device .
  • the computer program instructions used to perform the operations of the embodiments of this specification may be assembly instructions, instruction set architecture (ISA) instructions, machine instructions, machine-related instructions, microcode, firmware instructions, state setting data, or one or more programming Source code or object code written in any combination of languages.
  • Programming languages include object-oriented programming languages-such as Smalltalk, C++, etc., and conventional procedural programming languages-such as "C" language or similar programming languages.
  • Computer-readable program instructions can be executed entirely on the user's computer, partly on the user's computer, executed as a stand-alone software package, partly on the user's computer and partly executed on a remote computer, or entirely on the remote computer or server carried out.
  • the remote computer can be connected to the user's computer through any kind of network-including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computer (for example, using an Internet service provider to connect to the user's computer) connection).
  • LAN local area network
  • WAN wide area network
  • an electronic circuit such as a programmable logic circuit, a field programmable gate array (FPGA), or a programmable logic array (PLA), can be customized by using the status information of the computer-readable program instructions.
  • the computer-readable program instructions are executed to realize various aspects of the embodiments of this specification.
  • These computer-readable program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, thereby producing a machine that makes these instructions when executed by the processor of the computer or other programmable data processing device , A device that implements the functions/actions specified in one or more blocks in the flowcharts and/or block diagrams is produced. It is also possible to store these computer-readable program instructions in a computer-readable storage medium. These instructions make computers, programmable data processing apparatuses, and/or other devices work in a specific manner. Thus, the computer-readable medium storing the instructions includes An article of manufacture, which includes instructions for implementing various aspects of the functions/actions specified in one or more blocks in the flowcharts and/or block diagrams.
  • each block in the flowchart or block diagram can represent a module, program segment, or part of an instruction, and the module, program segment, or part of an instruction contains one or more executables for realizing the specified logic function. instruction.
  • the functions marked in the block may also occur in a different order from the order marked in the drawings. For example, two consecutive blocks can actually be executed substantially in parallel, or they can sometimes be executed in the reverse order, depending on the functions involved.
  • each block in the block diagram and/or flowchart, and the combination of the blocks in the block diagram and/or flowchart can be implemented by a dedicated hardware-based system that performs the specified functions or actions Or it can be realized by a combination of dedicated hardware and computer instructions. It is well known to those skilled in the art that realization by hardware, realization by software, and realization by a combination of software and hardware are all equivalent.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本说明书实施例涉及一种业务信息的处理方法、装置及电子设备。该方法包括：根据资源流信息和报文流信息自动生成业务记录，并触发冻结相应的业务订单及资金的操作；然后通过匹配同一笔业务订单的该资源流信息与该报文流信息，生成业务判断结果；对该业务判断结果与该资源流信息进行比对，在比对成功时解冻该业务订单及并根据所述业务判断结果划拨资金。从而实现了业务信息的自动处理，提升了业务信息的处理效率及准确度。

Description

一种业务信息的处理方法、装置及电子设备 技术领域
本说明书实施例涉及业务处理技术领域，更具体地，涉及一种业务信息的处理方法、一种业务信息的处理装置、一种电子设备以及一种计算机可读存储介质。
背景技术
在业务信息处理中，通常由用户作为发起人通过发卡行发起业务信息处理请求，卡组织作为受理人和仲裁者，将业务信息处理请求转发至收单行、第三方支付公司及商户。
在处理业务信息时，业务信息流需要人工记录在第三方支付公司的风控***中，同时完成与支付信息的比对。业务资金流由收单行透传给第三方支付公司的收单***，由收单***解析后推送至风控***，再由风控***将业务资金流与业务信息流关联。
因此，在业务信息流和业务资金流数量级巨大的情况下，存在人工判责失误、处理效率低下的问题。需要提供一种业务信息的自动处理方案。
发明内容
本说明书实施例的一个目的是提供一种业务信息处理的新的技术方案。
根据本说明书实施例的第一方面，提供了一种业务信息的处理方法，包括：根据资源流信息和报文流信息生成业务记录，并冻结相应的业务订单及资金；其中，所述资源流信息包括所述业务订单的资金信息的流转信息，所述报文流信息包括所述业务订单的业务邮件的传输信息；根据同一笔所述业务订单的所述资源流信息与所述报文流信息的匹配结果，生成业务判断结果；所述业务判断结果中至少包括业务判则信息及对应的资金信息；对所述业务判断结果与所述资源流信息进行比对，在比对成功时解冻所述业务订单并根据所述业务判断结果划拨资金。
可选地，其中，在生成所述业务记录之前，所述方法还包括：接收包含所述报文流信息的所述业务邮件；所述根据资源流信息和报文流信息生成业务记录，包括：从信息录入接口获取与所述报文流信息对应的资源流信息，以生成所述业务记录。
可选地，其中，在生成所述业务记录之前，所述方法还包括：接收包含所述报文 流信息的业务邮件；接收并解析资源文件报文，得到所述资源流信息；所述根据资源流信息和报文流信息生成业务记录，包括：将所述资源流信息与所述报文流信息进行关联，以生成所述业务记录。
可选地，其中，在生成所述业务记录之后，所述方法还包括：生成业务发生报文；
向对应的商户发送所述业务发生报文；其中，所述业务发生报文中至少包括业务时间、业务金额、订单号、商户名称、卡组织以及对应的业务理由码。
可选地，其中，所述报文流信息中至少包括：业务金额、业务币种、银行流水号、业务时间、业务原因、商户号、交易时间、交易金额与交易币种；所述资源流信息中至少包括：资源文件种类、资源流转金额、资源流转币种、银行流水号和资源流转时间。
可选地，其中，所述业务记录中至少包括：业务币种、业务金额、交易流水号、商户号、银行流水号以及资源往来信息。
可选地，其中，所述方法还包括：在所述业务判断结果与所述资源流信息比对失败时，向用户提供所述业务判断结果和所述资源流信息；接收基于所述业务判断结果和所述资源流信息输入的比对结果。
根据本说明书实施例的第二方面，提供了一种业务信息的处理装置，包括：业务记录生成模块，用于根据资源流信息和报文流信息生成业务记录，并冻结相应的业务订单及资金；其中，所述资源流信息包括所述业务订单的资金信息的流转信息，所述报文流信息包括所述业务订单的业务邮件的传输信息；匹配模块，用于根据同一笔所述业务订单的所述资源流信息与所述报文流信息的匹配结果，生成业务判断结果；所述业务判断结果中至少包括业务判则信息及对应的资金信息；比对模块，用于对所述业务判断结果与所述资源流信息进行比对，在比对成功时解冻所述业务订单及并根据所述业务判断结果划拨资金。
根据本说明书实施例的第三方面，提供了一种电子设备，包括如本说明书实施例的第二方面所述的业务信息的处理装置，或者，所述电子设备包括：存储器，用于存储可执行命令；处理器，用于在所述可执行命令的控制下，执行如本说明书实施例的第一方面中任一项所述的业务信息的处理方法。
根据本说明书实施例的第四方面，还提供一种计算机可读存储介质，存储有可执行指令，所述可执行指令被处理器执行时，执行如本说明书实施例第一方面所述的业务信息的处理方法。
本说明书实施例的一个有益效果在于，本实施例的方法根据资源流信息和报文流信息自动生成业务记录，并触发冻结相应的业务订单及资金的操作；然后通过匹配同一笔业务订单的该资源流信息与该报文流信息，生成业务判断结果；对该业务判断结果与该资源流信息进行比对，在比对成功时解冻该业务订单及并根据所述业务判断结果划拨资金。从而实现了业务信息的自动处理，减少人工参与导致失误的风险，并可以提高业务信息的处理效率。
通过以下参照附图对本说明书实施例的示例性实施例的详细描述，本说明书实施例的其它特征及其优点将会变得清楚。
附图说明
被结合在说明书中并构成说明书的一部分的附图示出了本说明书实施例的实施例，并且连同其说明一起用于解释本说明书实施例的原理。
图1为本说明书实施例的业务信息的处理方法的实际场景示意图。
图2是示出可以实现本发明的实施例的服务器1000的硬件配置的框图。
图3是根据本说明书实施例的业务信息的处理方法的流程图。
图4是根据本说明书实施例一的业务信息的处理装置的原理框图。
图5是根据本说明书实施例二的业务信息的处理装置的原理框图。
图6示出了根据本说明书实施例的电子设备的原理框图。
具体实施方式
现在将参照附图来详细描述本说明书实施例的各种示例性实施例。应注意到：除非另外具体说明，否则在这些实施例中阐述的部件和步骤的相对布置、数字表达式和数值不限制本说明书实施例的范围。
以下对至少一个示例性实施例的描述实际上仅仅是说明性的，决不作为对本说明书实施例及其应用或使用的任何限制。
对于相关领域普通技术人物已知的技术、方法和设备可能不作详细讨论，但在适当情况下，该技术、方法和设备应当被视为说明书的一部分。
在这里示出和讨论的所有例子中，任何具体值应被解释为仅仅是示例性的，而不 是作为限制。因此，示例性实施例的其它例子可以具有不同的值。
应注意到：相似的标号和字母在下面的附图中表示类似项，因此，一旦某一项在一个附图中被定义，则在随后的附图中不需要对其进行进一步讨论。
<硬件配置>
图1为本说明书实施例的业务信息的处理方法的实际场景示意图。
参照图1所示，该业务信息例如是拒付业务信息，在该拒付业务信息的处理场景中，包括发卡行、卡组织、收单行、第三方支付公司和全球商户***。
具体的，用户(持卡人)联系发卡行发起拒付业务，发卡行、卡组织和收单行，接收来自用户的拒付信息流信息和拒付资金流信息，并转发至第三方支付公司及其商户。其中，拒付信息流信息主要通过邮件的方式传输，拒付资金流信息主要通过资金文件报文传输，属于***层面的传输。
如图1中所示，第三方支付公司包括金融网关***、拒付***和拒付中心。在接收到拒付信息流信息和拒付资金流信息后，可以将拒付业务划分为同步模式和异步模式。
其中，在同步模式下，收单行将资金文件报文传输至金融网关***，金融网关***解析该资金文件报文后得到拒付资金流信息，并推送至拒付***及拒付中心，拒付***会根据拒付资金流信息和拒付信息流信息自动生成一部分拒付记录，人工补充拒付理由后即可生成完整的拒付记录。
在异步模式下，收单行仅通过邮件向拒付***发出拒付信息流信息，此时无拒付资金流产生，需要由人工录入至拒付***，以生成完整的拒付记录。
进一步地，当拒付***中产生完整的拒付记录时，自动触发拒付***经由拒付中心向商户发送拒付发生报文，同时冻结相应的业务订单及资金。
拒付***还可以通过比对同一拒付业务下的拒付信息流信息与拒付资金流信息间的差异，生成拒付结果信息。
拒付中心比对从金融网关***受到的拒付资金流信息和从拒付***收到的拒付结果信息，在比对成功时生成拒付结果报文，并解冻相应的业务订单和资金。完成拒付业务的处理。
全球商户***与拒付中心对接，用于接收拒付发生报文和拒付结果报文，在订单冻结和解冻时，向卖家邮箱发送拒付发生邮件和拒付结果邮件。
从而在收单行、第三方支付公司及全球商户的***层面实现拒付资金流信息与拒付信息流信息的记录与传输，拒付资金的自动划拨，可以为大批量拒付业务处理场景提供解决方案。
图2是示出可以实现本发明的实施例的服务器1000的硬件配置的框图。服务器1000例如可以是刀片服务器等。在一个例子中，服务器1000可以是一台计算机。
在另一个例子中，服务器1000可以如图2所示，包括处理器1100、存储器1200、接口装置1300、通信装置1400、显示装置1500、输入装置1600。尽管服务器也可以包括扬声器、麦克风等等，但是，这些部件与本发明无关，故在此省略。
其中，处理器1100例如可以是中央处理器CPU、微处理器MCU等。存储器1200例如包括ROM(只读存储器)、RAM(随机存取存储器)、诸如硬盘的非易失性存储器等。接口装置1300例如包括USB接口、串行接口等。通信装置1400例如能够进行有线或无线通信。显示装置1500例如是液晶显示屏。输入装置1600例如可以包括触摸屏、键盘等。
本实施例中，服务器1000资源流信息和报文流信息生成业务记录，并冻结相应的业务订单及资金；其中，所述资源流信息包括所述业务订单的资金信息的流转信息，所述报文流信息包括所述业务订单的业务邮件的传输信息；根据同一笔所述业务订单的所述资源流信息与所述报文流信息的匹配结果，生成业务判断结果；所述业务判断结果中至少包括业务判则信息及对应的资金信息；对所述业务判断结果与所述资源流信息进行比对，在比对成功时解冻所述业务订单并根据所述业务判断结果划拨资金。
图2所示的服务器仅仅是说明性的并且决不意味着对本发明、其应用或使用的任何限制。应用于本发明的实施例中，服务器1000的该存储器1200用于存储指令，该指令用于控制该处理器1100进行操作以执行本发明实施例提供的任意一项业务信息的处理方法。
本领域技术人员应当理解，尽管在图1中对服务器1000的示出了多个装置，但是，本发明可以仅涉及其中的部分装置，例如，服务器1000的只涉及处理器1100和存储装置1200。技术人员可以根据本发明所公开方案设计指令。指令如何控制处理器进行操作，这是本领域公知，故在此不再详细描述。
<方法实施例>
本实施例提供了一种业务信息的处理方法，该方法例如可以由如图2所示的服务 器1000执行。
如图3所示，该方法包括以下步骤2000～2400。
步骤2000，根据资源流信息和报文流信息生成业务记录，并冻结相应的业务订单及资金。
其中，所述资源流信息包括所述业务订单的资金信息的流转信息，所述报文流信息包括所述业务订单的业务邮件的传输信息。
该报文流信息中至少包括：业务金额、业务币种、银行流水号、业务时间、业务原因、商户号、交易时间、交易金额与交易币种。该资源流信息可以是根据资源文件报文解析得到的。
例如，该资源文件报文可以是：Alipay，AliExpressEU，ordercode，trade_no，cardbrand，chargebackdate，ChargebackReversed(type)，charegebackcurrency，chargeback amount，originalcurrency，transaction date，originalamount。即，该资源流信息中至少可以包括：资源文件种类、资源流转金额、资源流转币种、银行流水号和资源流转时间。其中，该资金文件种类可以是业务扣款或业务打款。
该业务记录中至少包括：业务币种、业务金额、交易流水号、商户号、银行流水号以及资源往来信息。
在一个例子中，在上述步骤2000之前，该服务器1000还可以接收包含该报文流信息的业务邮件。实际应用中，服务器1000在生成业务记录时，可以从信息录入接口获取与所述报文流信息对应的资源流信息，以生成所述业务记录。
在另一个例子中，在上述步骤2000之前，该服务器1000还可以接收包含该报文流信息的业务邮件；以及接收资源文件报文，解析该资源文件报文，以得到该资源流信息。实际应用中，服务器1000在生成业务记录时，可以将该资源流信息与该报文流信息进行关联，以生成该业务记录。
实际应用中，当某笔报文流信息下产生了对应的资源流信息时，视为某笔业务信息的业务记录已经完整。如果报文流信息缺失，则需筛选出这件业务信息并将该业务信息的状态记录为“初始状态”；如果资源流信息缺失，则需筛选出这件业务信息并将该业务信息的状态记录为“等待资源文件报文”。
需要说明的是，为了在业务信息发生后，及时拦截退款和拦截发货，资源流信息 与报文流信息即使有缺失，资金和业务订单也需正常做冻结处理。待人工核实到缺失的资源流信息与报文流信息后，再进行补录。
进一步地，该服务器1000还可以自动通知商户业务发生及资金冻结，以便于商户及时处理该业务信息。具体的，在上述步骤2000之后，该服务器1000还可以生成业务发生报文；向对应的商户发送该业务发生报文；其中，该业务发生报文中至少包括业务时间、业务金额、订单号、商户名称、卡组织以及对应的业务理由码。其中，业务金额的金额和币种可以按照商户的要求进行币种转换汇兑。业务理由码可以对应不同的业务发生理由，如发错货、描述与实物不符、不喜欢等。
在一个例子中，该业务发生报文例如可以是：chargeback date,trade_no,order id,chargeback amount,chargeback currecy,reason code,cardbrand,chargeback type(merchandise,fraud,other)。
在生成业务记录后，进入步骤2200，根据同一笔所述业务订单的该资源流信息与该报文流信息的匹配结果，生成业务判断结果。
其中，所述业务判断结果中至少包括业务判则信息及对应的资金信息。该业务判责信息例如是业务胜诉、业务败诉和业务部分胜诉部分败诉；该对应的资金信息可以是业务胜诉对应的胜诉金额、业务败诉对应的败诉金额等。
例如，若报文流信息显示业务金额100，根据资源流信息轧差后显示败诉金额40，相应的，该业务判断结果即为部分胜诉部分败诉，且业务胜诉60败诉40。若报文流信息显示业务金额100，根据资源流信息轧差后显示败诉金额0，则资金安全，相应的，该业务判断结果即为业务胜诉，且胜诉金额100。若报文流信息显示业务金额100，根据资源流信息轧差后显示败诉金额100，则业务败诉，相应的，该业务判断结果即为业务败诉，且败诉金额100。
在步骤2400，对该业务判断结果与该资源流信息进行比对，在比对成功时解冻该业务订单及并根据该业务判断结果划拨资金。
本步骤中，服务器1000根据报文流信息生成业务判断结果并执行订单完结操作后，自动比对业务判断结果，如业务胜诉及对应的金额、业务败诉及对应的金额、部分胜诉部分败诉及对应的金额，与资源流信息，如二者不符，则将该订单对应的业务信息设置为待处理，该业务信息等待人工进行核对处理。若人工核对二者相符，则执行资金及订单的解冻，结束该业务信息。即，服务器1000向用户提供该业务判断结果和该资源流 信息，并接收基于该业务判断结果和该资源流信息输入的比对结果。
实际应用中，该服务器1000在比对成功时，还会生成业务结果报文发送给对应的商户。具体的，该业务结果报文例如可以是：trade_no，order_no，trade_cb_judge_amount,trade_cb_judge_cur,cb_payer。
在一个例子中，服务器1000在解冻该业务订单和资金后，会自动划拨赔付资金。划拨赔付资金的逻辑例如可以分为以下三种情况：
情况一、在买家败诉，第三方支付公司(服务器1000)业务胜诉无资损，仅处理资金解冻：
cb payer＝chargeback with no compensation,trade_cb_judge_amount＝0。
情况二、买家胜诉，第三方支付公司业务败诉且资损由商户承担，资金从商户赔付户划拨至业务垫资户，补足收单行对第三方支付公司的扣款：
cb payer＝partner compensation,trade_cb_judge_amount＝非0。
情况三、买家胜诉，第三方支付公司业务败诉且资损由第三方支付公司承担，资金从第三方支付公司赔付户划拨：
cb payer＝alipay compensation,trade_cb_judge_amount＝非0。
服务器1000通过自动生成业务记录、冻结业务订单及资金，以及通过对同一笔订单的资源流信息和报文流信息的比对自动生成业务判断结果，通过业务判断结果和资源流信息的比对自动生成业务结果信息并解冻业务订单及根据该业务判断结果自动划拨资金，从而实现了报文流信息与资源流信息的自动匹配，同时实现拦截退款、冻结资金等附属功能，有效识别重复扣款和人工判则失误、防控业务与退款同时发生的风险。
本实施例的方法，根据资源流信息和报文流信息自动生成业务记录，并触发冻结相应的业务订单及资金的操作；然后通过匹配同一笔业务订单的该资源流信息与该报文流信息，生成业务判断结果；对该业务判断结果与该资源流信息进行比对，在比对成功时解冻该业务订单及并根据所述业务判断结果划拨资金。从而实现了业务信息的自动处理，减少人工参与导致失误的风险，并可以提高业务信息的处理效率。
<装置实施例>
本实施例提供一种业务信息的处理装置，该装置例如是图4所示的业务信息的处理装置4000，该业务信息的处理装置4000可以包括业务记录生成模块4100、匹配模块 4200和比对模块4300。
其中，业务记录生成模块4100，用于根据资源流信息和报文流信息生成业务记录，并冻结相应的业务订单及资金；其中，所述资源流信息包括所述业务订单的资金信息的流转信息，所述报文流信息包括所述业务订单的业务邮件的传输信息。
匹配模块4200，用于根据同一笔所述业务订单的所述资源流信息与所述报文流信息的匹配结果，生成业务判断结果；所述业务判断结果中至少包括业务判则信息及对应的资金信息。
比对模块4300，用于对业务判断结果与所述资源流信息进行比对，在比对成功时解冻所述业务订单及并根据所述业务判断结果划拨资金。
可以理解的是，在比对失败时，比对模块4300向用户提供所述业务判断结果和所述资源流信息；接收基于所述业务判断结果和所述资源流信息输入的比对结果。
在一个实施例中，如图5所示，该业务信息的处理装置4000还可以包括接收模块4400，用于接收包含该报文流信息的业务邮件；相应的，该业务记录生成模块4100用于从信息录入接口获取与所述报文流信息对应的资源流信息，以生成所述业务记录。
在另一个实施例中，该接收模块4400还可以用于接收包含该报文流信息的业务邮件；以及接收并解析该资源文件报文，得到该资源流信息。相应的，该业务记录生成模块4100用于将该资源流信息与该报文流信息进行关联，以生成该业务记录。
进一步地，该业务记录生成模块4100还可以用于生成业务发生报文；向对应的商户发送该业务发生报文；其中，该业务发生报文中至少包括业务时间、业务金额、订单号、商户名称、卡组织以及对应的业务理由码。
其中，该报文流信息中至少包括：业务金额、业务币种、银行流水号、业务时间、业务原因、商户号、交易时间、交易金额与交易币种；该资源流信息中至少包括：资源文件种类、资源流转金额、资源流转币种、银行流水号和资源流转时间。
其中，该业务记录中至少包括：业务币种、业务金额、交易流水号、商户号、银行流水号以及资源往来信息。
本实施例的业务信息的处理装置，可用于执行上述方法实施例的技术方案，其实现原理及技术效果类似，此处不再赘述。
<设备实施例>
本实施例中，还提供一种电子设备，该电子设备包括本说明书装置实施例中描述的业务信息的处理装置4000；或者，该电子设备为图6所示的电子设备6000，包括：存储器6100，用于存储可执行命令。处理器6200，用于在存储器6100存储的可执行命令的控制下，执行本说明书任意方法实施例中描述的方法。在电子设备根据所执行的方法实施例的实施主体可以是服务器。
<计算机可读存储介质实施例>
本实施例提供一种计算机可读存储介质，该存储介质中存储有可执行命令，该可执行命令被处理器执行时，执行本说明书任意方法实施例中描述的方法。
本说明书实施例可以是***、方法和/或计算机程序产品。计算机程序产品可以包括计算机可读存储介质，其上载有用于使处理器实现本说明书实施例的各个方面的计算机可读程序指令。
计算机可读存储介质可以是可以保持和存储由指令执行设备使用的指令的有形设备。计算机可读存储介质例如可以是――但不限于――电存储设备、磁存储设备、光存储设备、电磁存储设备、半导体存储设备或者上述的任意合适的组合。计算机可读存储介质的更具体的例子(非穷举的列表)包括：便携式计算机盘、硬盘、随机存取存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、静态随机存取存储器(SRAM)、便携式压缩盘只读存储器(CD-ROM)、数字多功能盘(DVD)、记忆棒、软盘、机械编码设备、例如其上存储有指令的打孔卡或凹槽内凸起结构、以及上述的任意合适的组合。这里所使用的计算机可读存储介质不被解释为瞬时信号本身，诸如无线电波或者其他自由传播的电磁波、通过波导或其他传输媒介传播的电磁波(例如，通过光纤电缆的光脉冲)、或者通过电线传输的电信号。
这里所描述的计算机可读程序指令可以从计算机可读存储介质下载到各个计算/处理设备，或者通过网络、例如因特网、局域网、广域网和/或无线网下载到外部计算机或外部存储设备。网络可以包括铜传输电缆、光纤传输、无线传输、路由器、防火墙、交换机、网关计算机和/或边缘服务器。每个计算/处理设备中的网络适配卡或者网络接口从网络接收计算机可读程序指令，并转发该计算机可读程序指令，以供存储在各个计算/处理设备中的计算机可读存储介质中。
用于执行本说明书实施例操作的计算机程序指令可以是汇编指令、指令集架构(ISA)指令、机器指令、机器相关指令、微代码、固件指令、状态设置数据、或者以 一种或多种编程语言的任意组合编写的源代码或目标代码，编程语言包括面向对象的编程语言—诸如Smalltalk、C++等，以及常规的过程式编程语言—诸如“C”语言或类似的编程语言。计算机可读程序指令可以完全地在用户计算机上执行、部分地在用户计算机上执行、作为一个独立的软件包执行、部分在用户计算机上部分在远程计算机上执行、或者完全在远程计算机或服务器上执行。在涉及远程计算机的情形中，远程计算机可以通过任意种类的网络—包括局域网(LAN)或广域网(WAN)—连接到用户计算机，或者，可以连接到外部计算机(例如利用因特网服务提供商来通过因特网连接)。在一些实施例中，通过利用计算机可读程序指令的状态信息来个性化定制电子电路，例如可编程逻辑电路、现场可编程门阵列(FPGA)或可编程逻辑阵列(PLA)，该电子电路可以执行计算机可读程序指令，从而实现本说明书实施例的各个方面。
这里参照根据本说明书实施例的方法、装置(***)和计算机程序产品的流程图和/或框图描述了本说明书实施例的各个方面。应当理解，流程图和/或框图的每个方框以及流程图和/或框图中各方框的组合，都可以由计算机可读程序指令实现。
这些计算机可读程序指令可以提供给通用计算机、专用计算机或其它可编程数据处理装置的处理器，从而生产出一种机器，使得这些指令在通过计算机或其它可编程数据处理装置的处理器执行时，产生了实现流程图和/或框图中的一个或多个方框中规定的功能/动作的装置。也可以把这些计算机可读程序指令存储在计算机可读存储介质中，这些指令使得计算机、可编程数据处理装置和/或其他设备以特定方式工作，从而，存储有指令的计算机可读介质则包括一个制造品，其包括实现流程图和/或框图中的一个或多个方框中规定的功能/动作的各个方面的指令。
也可以把计算机可读程序指令加载到计算机、其它可编程数据处理装置、或其它设备上，使得在计算机、其它可编程数据处理装置或其它设备上执行一系列操作步骤，以产生计算机实现的过程，从而使得在计算机、其它可编程数据处理装置、或其它设备上执行的指令实现流程图和/或框图中的一个或多个方框中规定的功能/动作。
附图中的流程图和框图显示了根据本说明书实施例的多个实施例的***、方法和计算机程序产品的可能实现的体系架构、功能和操作。在这点上，流程图或框图中的每个方框可以代表一个模块、程序段或指令的一部分，模块、程序段或指令的一部分包含一个或多个用于实现规定的逻辑功能的可执行指令。在有些作为替换的实现中，方框中所标注的功能也可以以不同于附图中所标注的顺序发生。例如，两个连续的方框实际上可以基本并行地执行，它们有时也可以按相反的顺序执行，这依所涉及的功能而定。也 要注意的是，框图和/或流程图中的每个方框、以及框图和/或流程图中的方框的组合，可以用执行规定的功能或动作的专用的基于硬件的***来实现，或者可以用专用硬件与计算机指令的组合来实现。对于本领域技术人物来说公知的是，通过硬件方式实现、通过软件方式实现以及通过软件和硬件结合的方式实现都是等价的。
以上已经描述了本说明书实施例的各实施例，上述说明是示例性的，并非穷尽性的，并且也不限于所披露的各实施例。在不偏离所说明的各实施例的范围和精神的情况下，对于本技术领域的普通技术人物来说许多修改和变更都是显而易见的。本文中所用术语的选择，旨在最好地解释各实施例的原理、实际应用或对市场中的技术改进，或者使本技术领域的其它普通技术人物能理解本文披露的各实施例。本说明书实施例的范围由所附权利要求来限定。

Claims (10)

  1. 一种业务信息的处理方法，包括：
    根据资源流信息和报文流信息生成业务记录，并冻结相应的业务订单及资金；其中，所述资源流信息包括所述业务订单的资金信息的流转信息，所述报文流信息包括所述业务订单的业务邮件的传输信息；
    根据同一笔所述业务订单的所述资源流信息与所述报文流信息的匹配结果，生成业务判断结果；所述业务判断结果中至少包括业务判则信息及对应的资金信息；
    对所述业务判断结果与所述资源流信息进行比对，在比对成功时解冻所述业务订单并根据所述业务判断结果划拨资金。
  2. 根据权利要求1所述的方法，其中，在生成所述业务记录之前，所述方法还包括：
    接收包含所述报文流信息的所述业务邮件；
    所述根据资源流信息和报文流信息生成业务记录，包括：
    从信息录入接口获取与所述报文流信息对应的资源流信息，以生成所述业务记录。
  3. 根据权利要求1所述的方法，其中，在生成所述业务记录之前，所述方法还包括：
    接收包含所述报文流信息的业务邮件；
    接收并解析资源文件报文，得到所述资源流信息；
    所述根据资源流信息和报文流信息生成业务记录，包括：
    将所述资源流信息与所述报文流信息进行关联，以生成所述业务记录。
  4. 根据权利要求1所述的方法，其中，在生成所述业务记录之后，所述方法还包括：
    生成业务发生报文；
    向对应的商户发送所述业务发生报文；
    其中，所述业务发生报文中至少包括业务时间、业务金额、订单号、商户名称、卡组织以及对应的业务理由码。
  5. 根据权利要求1所述的方法，其中，所述报文流信息中至少包括：业务金额、业务币种、银行流水号、业务时间、业务原因、商户号、交易时间、交易金额与交易币种；
    所述资源流信息中至少包括：资源文件种类、资源流转金额、资源流转币种、银行流水号和资源流转时间。
  6. 根据权利要求1所述的方法，其中，所述业务记录中至少包括：业务币种、业务金额、交易流水号、商户号、银行流水号以及资源往来信息。
  7. 根据权利要求1所述的方法，其中，所述方法还包括：
    在所述业务判断结果与所述资源流信息比对失败时，向用户提供所述业务判断结果和所述资源流信息；
    接收基于所述业务判断结果和所述资源流信息输入的比对结果。
  8. 一种业务信息的处理装置，包括：
    业务记录生成模块，用于根据资源流信息和报文流信息生成业务记录，并冻结相应的业务订单及资金；其中，所述资源流信息包括所述业务订单的资金信息的流转信息，所述报文流信息包括所述业务订单的业务邮件的传输信息；
    匹配模块，用于根据同一笔所述业务订单的所述资源流信息与所述报文流信息的匹配结果，生成业务判断结果；所述业务判断结果中至少包括业务判则信息及对应的资金信息；
    比对模块，用于对所述业务判断结果与所述资源流信息进行比对，在比对成功时解冻所述业务订单及并根据所述业务判断结果划拨资金。
  9. 一种电子设备，包括如权利要求8所述的业务信息的处理装置，或者，所述电子设备包括：
    存储器，用于存储可执行命令；
    处理器，用于在所述可执行命令的控制下，执行如权利要求1-7中任一项所述的业务信息的处理方法。
  10. 一种计算机可读存储介质，存储有可执行指令，所述可执行指令被处理器执行时，执行如权利要求1-7中任一项所述的业务信息的处理方法。
PCT/CN2020/123380 2019-12-25 2020-10-23 一种业务信息的处理方法、装置及电子设备 WO2021129104A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201911357371.4A CN111080308A (zh) 2019-12-25 2019-12-25 一种业务信息的处理方法、装置及电子设备
CN201911357371.4 2019-12-25

Publications (1)

Publication Number Publication Date
WO2021129104A1 true WO2021129104A1 (zh) 2021-07-01

Family

ID=70317679

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2020/123380 WO2021129104A1 (zh) 2019-12-25 2020-10-23 一种业务信息的处理方法、装置及电子设备

Country Status (3)

Country Link
CN (1) CN111080308A (zh)
TW (1) TWI796565B (zh)
WO (1) WO2021129104A1 (zh)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116719751A (zh) * 2023-08-11 2023-09-08 杭州深度智联数字科技有限责任公司 一种实时核对业务资损的方法及***

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111080308A (zh) * 2019-12-25 2020-04-28 支付宝(杭州)信息技术有限公司 一种业务信息的处理方法、装置及电子设备
CN113065865A (zh) * 2020-07-31 2021-07-02 开鑫金服(南京)信息服务有限公司 一种异常交易识别方法以及***

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160379216A1 (en) * 2015-06-26 2016-12-29 Vantiv, Llc Automatic chargeback management
US20170103399A1 (en) * 2013-09-04 2017-04-13 Jason Napsky Process and system for providing automated responses for transaction operations
CN108734457A (zh) * 2018-04-04 2018-11-02 首汽租赁有限责任公司 一种统一收银***下的退款方法
CN109255616A (zh) * 2018-08-06 2019-01-22 阿里巴巴集团控股有限公司 一种拒付任务处理方法及装置
CN111080308A (zh) * 2019-12-25 2020-04-28 支付宝(杭州)信息技术有限公司 一种业务信息的处理方法、装置及电子设备

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8145567B2 (en) * 2000-10-31 2012-03-27 Wells Fargo Bank, N.A. Transaction ID system and process
BRPI0613952A2 (pt) * 2005-07-15 2011-02-22 Revolution Money Inc sistema e método para estabelecimento de regras que regem contas infantis
TW200825965A (en) * 2006-12-06 2008-06-16 Chen Pen Hing A method to ensure security of transaction
CN101599147A (zh) * 2008-06-06 2009-12-09 万德洪 交易方法和运用交易方法的计算机***及应用
CN106934601A (zh) * 2017-02-28 2017-07-07 世纪禾光科技发展（北京）有限公司 外贸电子商务平台拒付处理自动化的方法及***
CN109685490A (zh) * 2017-10-18 2019-04-26 佳佳供应链管理（廊坊）有限公司 一站式服务***
CN109685587A (zh) * 2017-10-18 2019-04-26 佳佳供应链管理（廊坊）有限公司 一种综合管理***
CN109685512A (zh) * 2017-10-18 2019-04-26 佳佳供应链管理（廊坊）有限公司 一种外贸服务***
CN109816407A (zh) * 2019-02-27 2019-05-28 深圳乐信软件技术有限公司 一种退款处理方法、装置、设备及存储介质

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20170103399A1 (en) * 2013-09-04 2017-04-13 Jason Napsky Process and system for providing automated responses for transaction operations
US20160379216A1 (en) * 2015-06-26 2016-12-29 Vantiv, Llc Automatic chargeback management
CN108734457A (zh) * 2018-04-04 2018-11-02 首汽租赁有限责任公司 一种统一收银***下的退款方法
CN109255616A (zh) * 2018-08-06 2019-01-22 阿里巴巴集团控股有限公司 一种拒付任务处理方法及装置
CN111080308A (zh) * 2019-12-25 2020-04-28 支付宝(杭州)信息技术有限公司 一种业务信息的处理方法、装置及电子设备

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116719751A (zh) * 2023-08-11 2023-09-08 杭州深度智联数字科技有限责任公司 一种实时核对业务资损的方法及***
CN116719751B (zh) * 2023-08-11 2023-11-03 杭州深度智联数字科技有限责任公司 一种实时核对业务资损的方法及***

Also Published As

Publication number Publication date
TW202125355A (zh) 2021-07-01
TWI796565B (zh) 2023-03-21
CN111080308A (zh) 2020-04-28

Similar Documents

Publication Publication Date Title
JP7219310B2 (ja) 既存の支払ネットワーク上でブロックチェーンを基礎としたトランザクションを処理する方法及びシステム
WO2021129104A1 (zh) 一种业务信息的处理方法、装置及电子设备
US20230267469A1 (en) Systems and methods for blockchain based payment networks
JP6563132B2 (ja) 不透明ブロックチェーンを使用することによる全体清算方法及びシステム
JP6570656B2 (ja) ブロックチェーンを基礎とした資産を不換通貨アカウントへリンクさせる方法及びシステム
JP6462158B2 (ja) ブロックチェーンを基礎としたトランザクションにおける不正利用検知のための方法及びシステム
EP3360306B1 (en) Method and system for validation of hashed data via acceptance frames
JP2019135664A (ja) ブロックチェーンを基礎としたトランザクションのために交換処理とイシュア処理とを統合する方法及びシステム
US11257134B2 (en) Supplier invoice reconciliation and payment using event driven platform
US11803823B2 (en) Systems and methods for blockchain-based payment transactions, alerts, and dispute settlement, using a blockchain interface server
US20230098747A1 (en) Systems and methods for payment transactions, alerts, dispute settlement, and settlement payments, using multiple blockchains
US10153939B2 (en) Real time event capture, analysis and reporting system
US10158737B2 (en) Real time event capture and analysis of transient data for an information network
US8655773B1 (en) Geo-location based underwriting
US20090006250A1 (en) Methods and systems for tracking and reporting financial transactions
US20200051072A1 (en) Verifying transaction address is whitelisted before allowing transfer to transaction address of self-regulating token requiring whitelisted transaction address to withdraw self-regulating token
US8788420B1 (en) Generating peer-to-peer transaction risk ratings
CN111213172A (zh) 通过数字钱包访问ach交易功能
US20210217003A1 (en) System and method for managing merchant terms and conditions applicable to a payment transaction
US20230385891A1 (en) Prototype message service
US20230222461A1 (en) System and method for payment processing telemetry
KR20210068039A (ko) 거래 시스템을 구현하는 네트워크 노드들의 서브세트 내의 컨텍스트 기반 필터링
US20180359206A1 (en) Preempting spam filters based on transactions
US20210390550A1 (en) Model-Based Chargeback Representment
CN114372800A (zh) 交易处理方法、装置、设备、介质和产品

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 20905905

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 20905905

Country of ref document: EP

Kind code of ref document: A1