CN107194678A - The abnormal final state method to set up and device of network payment - Google Patents
The abnormal final state method to set up and device of network payment Download PDFInfo
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- CN107194678A CN107194678A CN201710214722.0A CN201710214722A CN107194678A CN 107194678 A CN107194678 A CN 107194678A CN 201710214722 A CN201710214722 A CN 201710214722A CN 107194678 A CN107194678 A CN 107194678A
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- final state
- abnormal
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- transaction
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- 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
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- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The present invention proposes the abnormal final state method to set up and device of a kind of network payment, this method includes the role for determining to produce the affiliated participant of abnormal terminal in process of exchange, and the abnormal final state of transaction results is configured based on abnormal final state method to set up corresponding with role；Wherein, when role is paying bank, the abnormal final state of transaction results is directly set to abnormal failure final state；When role is receiving bank, whether the type for judging receiving bank is excess reserve bank；If excess reserve bank, then before receiving bank produces response, the final state of transaction results is directly set to successfully final state；If non-excess reserve bank, then the abnormal final state of transaction results is set to eminently successful final state, and transaction funds are configured based on netting clearing operation flow.Eminently successful or abnormal failure final state quick after transaction time-out can be put to transaction by the present invention, trading efficiency is lifted, ensure fund security, improve Consumer's Experience, reduce transaction system processing pressure.
Description
Technical field
The present invention relates to internet financial technology field, more particularly to a kind of network payment abnormal final state method to set up and
Device.
Background technology
Under application scenes, during user is by paying the progress online payment of class application program, user can be first
Request is paid by paying class application program (Third-party payment mechanism) initiation, net connection platform is receiving the friendship of Third-party payment mechanism
Easily after request, first forward paying bank to be withholdd, forward receiving bank to be kept accounts again after the success receipt that obtains withholing.In reality
In the processing procedure of border, due to reasons such as network transmissions, it may occur that the unresponsive abnormal feelings of paying bank or receiving bank
Condition.
In correlation technique, under the direct-connected pattern of payment mechanism and bank, such as response abnormality in process of exchange, transaction is final
Result of the state after bank's reconciliation is defined.
The content of the invention
It is contemplated that at least solving one of technical problem in correlation technique to a certain extent.
Therefore, it is an object of the present invention to propose a kind of abnormal final state method to set up of network payment, can hand over
It is quick easily after time-out that eminently successful or abnormal failure final state are put to transaction, trading efficiency is lifted, fund security is ensured, improves user
Experience, reduces transaction system processing pressure.
It is another object of the present invention to the abnormal final state for proposing a kind of network payment, device is set.
It is another object of the present invention to propose a kind of non-transitorycomputer readable storage medium.
It is another object of the present invention to propose a kind of computer program product.
To reach above-mentioned purpose, the abnormal final state method to set up for the network payment that first aspect present invention embodiment is proposed,
Including：It is determined that produce the role of the affiliated participant of abnormal terminal in process of exchange, wherein, the role be paying bank or
Person receiving bank；The abnormal final state of transaction results is configured based on abnormal final state method to set up corresponding with the role；
Wherein, when the role is the paying bank, the corresponding abnormal final state method to set up is：Directly the transaction is tied
The abnormal final state of fruit is set to abnormal failure final state；When the role is the receiving bank, the corresponding abnormal final state
Method to set up is：Whether the type for judging the receiving bank is excess reserve bank；If the excess reserve bank, then described
Receiving bank is produced before response, and the final state of the transaction results directly is set to successfully into final state；If non-excess reserve bank,
The abnormal final state of the transaction results is then set to eminently successful final state, and based on netting clearing operation flow to transaction funds
Configured.
The abnormal final state method to set up for the network payment that first aspect present invention embodiment is proposed, by determining merchandising
The role of the affiliated participant of abnormal terminal is produced in journey, wherein, role is paying bank or receiving bank, is based on and role
Corresponding abnormal final state method to set up is configured to the abnormal final state of transaction results, is realized according to the participant for producing exception
Role is different, determines that corresponding abnormal final state method to set up is configured to the abnormal final state of transaction results, can be super in transaction
When after it is quick eminently successful or abnormal failure final state are put to transaction, lift trading efficiency, ensure fund security, improve user's body
Test, reduce transaction system processing pressure.
To reach above-mentioned purpose, the abnormal final state for the network payment that second aspect of the present invention embodiment is proposed sets device,
Including：Role determination module, the role for determining to produce the affiliated participant of abnormal terminal in process of exchange, wherein, institute
Role is stated for paying bank or receiving bank；Final state setup module, for being set based on abnormal final state corresponding with the role
Method is put to be configured the abnormal final state of transaction results；Wherein, the final state setup module includes：First final state sets submodule
Block, for when the role is the paying bank, the abnormal final state of the transaction results directly to be set into abnormal failure
Final state；Second final state sets submodule, for when the role is the receiving bank, judging the type of the receiving bank
Whether it is excess reserve bank, if the excess reserve bank, then before the receiving bank produces response, is directly handed over described
The final state of easy result is set to successfully final state, if non-excess reserve bank, is then set to the abnormal final state of the transaction results
Eminently successful final state, and the transaction funds are configured based on netting clearing operation flow.
The abnormal final state for the network payment that second aspect of the present invention embodiment is proposed sets device, by determining merchandising
The role of the affiliated participant of abnormal terminal is produced in journey, wherein, role is paying bank or receiving bank, is based on and role
Corresponding abnormal final state method to set up is configured to the abnormal final state of transaction results, is realized according to the participant for producing exception
Role is different, determines that corresponding abnormal final state method to set up is configured to the abnormal final state of transaction results, can be super in transaction
When after it is quick eminently successful or abnormal failure final state are put to transaction, lift trading efficiency, ensure fund security, improve user's body
Test, reduce transaction system processing pressure.
To reach above-mentioned purpose, the abnormal final state for the network payment that third aspect present invention embodiment is proposed sets device,
It is characterised in that it includes：Processor；Memory for storing processor-executable instruction；Wherein, the processor is configured
For：It is determined that produce the role of the affiliated participant of abnormal terminal in process of exchange, wherein, the role be paying bank or
Receiving bank；The abnormal final state of transaction results is configured based on abnormal final state method to set up corresponding with the role；Its
In, when the role is the paying bank, the corresponding abnormal final state method to set up is：Directly by the transaction results
Abnormal final state be set to abnormal failure final state；When the role is the receiving bank, the corresponding abnormal final state is set
The method of putting is：Whether the type for judging the receiving bank is excess reserve bank；If the excess reserve bank, then received described
Money bank is produced before response, and the final state of the transaction results directly is set to successfully into final state；If non-excess reserve bank, then
The abnormal final state of the transaction results is set to eminently successful final state, and transaction funds entered based on netting clearing operation flow
Row configuration.
The abnormal final state for the network payment that third aspect present invention embodiment is proposed sets device, by determining merchandising
The role of the affiliated participant of abnormal terminal is produced in journey, wherein, role is paying bank or receiving bank, is based on and role
Corresponding abnormal final state method to set up is configured to the abnormal final state of transaction results, is realized according to the participant for producing exception
Role is different, determines that corresponding abnormal final state method to set up is configured to the abnormal final state of transaction results, can be super in transaction
When after it is quick eminently successful or abnormal failure final state are put to transaction, lift trading efficiency, ensure fund security, improve user's body
Test, reduce transaction system processing pressure.
To reach above-mentioned purpose, the non-transitorycomputer readable storage medium that fourth aspect present invention embodiment is proposed,
When the instruction in the storage medium is performed by the processor of mobile terminal so that mobile terminal is able to carry out a kind of network
The abnormal final state method to set up of payment, methods described includes：It is determined that producing the affiliated participant of abnormal terminal in process of exchange
Role, wherein, the role be paying bank or receiving bank；Based on abnormal final state setting side corresponding with the role
Method is configured to the abnormal final state of transaction results；Wherein, when the role is the paying bank, the corresponding exception
Final state method to set up is：The abnormal final state of the transaction results is directly set to abnormal failure final state；When the role is institute
When stating receiving bank, the corresponding abnormal final state method to set up is：Whether the type for judging the receiving bank is excess reserve
Bank；If the excess reserve bank, then before the receiving bank produces response, directly by the final state of the transaction results
It is set to successfully final state；If non-excess reserve bank, then the abnormal final state of the transaction results is set to eminently successful final state,
And transaction funds are configured based on netting clearing operation flow.
The non-transitorycomputer readable storage medium that fourth aspect present invention embodiment is proposed, by determining merchandising
The role of the affiliated participant of abnormal terminal is produced in journey, wherein, role is paying bank or receiving bank, is based on and role
Corresponding abnormal final state method to set up is configured to the abnormal final state of transaction results, is realized according to the participant for producing exception
Role is different, determines that corresponding abnormal final state method to set up is configured to the abnormal final state of transaction results, can be super in transaction
When after it is quick eminently successful or abnormal failure final state are put to transaction, lift trading efficiency, ensure fund security, improve user's body
Test, reduce transaction system processing pressure.
To reach above-mentioned purpose, the computer program product that fifth aspect present invention embodiment is proposed, when the computer
When instruction processing unit in program product is performed, a kind of abnormal final state method to set up of network payment is performed, methods described includes：
It is determined that the role of the affiliated participant of abnormal terminal is produced in process of exchange, wherein, the role is paying bank or receipts
Money bank；The abnormal final state of transaction results is configured based on abnormal final state method to set up corresponding with the role；Wherein,
When the role is the paying bank, the corresponding abnormal final state method to set up is：Directly by the transaction results
Abnormal final state is set to abnormal failure final state；When the role is the receiving bank, the corresponding abnormal final state is set
Method is：Whether the type for judging the receiving bank is excess reserve bank；If the excess reserve bank, then in the gathering
Bank is produced before response, and the final state of the transaction results directly is set to successfully into final state；If non-excess reserve bank, then will
The abnormal final state of the transaction results is set to eminently successful final state, and transaction funds are carried out based on netting clearing operation flow
Configuration.
The computer program product that fifth aspect present invention embodiment is proposed, by determining to produce exception in process of exchange
The affiliated participant of terminal role, wherein, role be paying bank or receiving bank, it is whole based on exception corresponding with role
State method to set up is configured to the abnormal final state of transaction results, realizes role's difference according to the participant for producing exception, really
Fixed corresponding abnormal final state method to set up is configured to the abnormal final state of transaction results, can be quick to handing over after transaction time-out
Eminently successful or abnormal failure final state are easily put, trading efficiency is lifted, ensures fund security, improves Consumer's Experience, reduction transaction system
System processing pressure.
The additional aspect of the present invention and advantage will be set forth in part in the description, and will partly become from the following description
Obtain substantially, or recognized by the practice of the present invention.
Brief description of the drawings
Of the invention above-mentioned and/or additional aspect and advantage will become from the following description of the accompanying drawings of embodiments
Substantially and be readily appreciated that, wherein：
Fig. 1 is the schematic flow sheet of the abnormal final state method to set up for the network payment that one embodiment of the invention is proposed；
Fig. 2 is the final state setting procedure schematic diagram of network payment in correlation technique；
Fig. 3 is the schematic flow sheet of the abnormal final state method to set up for the network payment that another embodiment of the present invention is proposed；
Fig. 4 is the abnormal final state setting procedure schematic diagram of a network payment in the embodiment of the present invention；
Fig. 5 is the schematic flow sheet of the abnormal final state method to set up for the network payment that another embodiment of the present invention is proposed；
Fig. 6 is the abnormal final state setting procedure schematic diagram of another network payment in the embodiment of the present invention；
Fig. 7 is the schematic flow sheet of the abnormal final state method to set up for the network payment that another embodiment of the present invention is proposed；
Fig. 8 is that the abnormal final state for the network payment that one embodiment of the invention is proposed sets the structural representation of device；
Fig. 9 is that the abnormal final state for the network payment that another embodiment of the present invention is proposed sets the structural representation of device.
Embodiment
Embodiments of the invention are described below in detail, the example of the embodiment is shown in the drawings, wherein from beginning to end
Same or similar label represents same or similar element or the element with same or like function.Below with reference to attached
The embodiment of figure description is exemplary, is only used for explaining the present invention, and is not considered as limiting the invention.On the contrary, this
All changes in the range of spirit and intension that the embodiment of invention includes falling into attached claims, modification and equivalent
Thing.
Fig. 1 is the schematic flow sheet of the abnormal final state method to set up for the network payment that one embodiment of the invention is proposed.
The abnormal final state method to set up of network payment can be configured in the abnormal final state of network payment and set in the present embodiment
Put in device.The abnormal final state of the network payment sets device to set in the server, or can also be arranged on electronics
In equipment, the embodiment of the present invention is not restricted to this.
Wherein, electronic equipment is, for example, PC (Personal Computer, PC), and cloud device or movement are set
It is standby, mobile device such as smart mobile phone, or tablet personal computer etc..
It should be noted that the executive agent of the embodiment of the present invention, can be, for example, server/electronic equipment on hardware
In central processing unit (Central Processing Unit, CPU), can be, for example, server/electronic equipment on software
In payment class application program, this is not restricted.
The abnormal final state method to set up of the network payment can apply to user and be carried out on the net by paying class application program
During payment.
Wherein, the role of the payment class application program can be Third-party payment mechanism.
Referring to Fig. 1, the abnormal final state method to set up of the network payment includes：
S11：It is determined that the role of the affiliated participant of abnormal terminal is produced in process of exchange, wherein, role is payment silver
Row or receiving bank.
Under application scenes, during user is by paying the progress online payment of class application program, user can be first
Request is paid by paying class application program (Third-party payment mechanism) initiation, net connection platform is receiving the friendship of Third-party payment mechanism
Easily after request, first forward paying bank to be withholdd, forward receiving bank to be kept accounts again after the success receipt that obtains withholing.In reality
In the processing procedure of border, due to reasons such as network transmissions, it may occur that the unresponsive abnormal feelings of paying bank or receiving bank
Condition.
Referring to Fig. 2, Fig. 2 is the final state setting procedure schematic diagram of network payment in correlation technique, in network payment, each ginseng
Join platform totally 4 side with Fang You Third-party payments mechanism, paying bank, receiving bank and net.Net connection platform is receiving third party's branch
Pay after institutional network request, first forward paying bank to be withholdd, forward receiving bank to carry out again after the success receipt that obtains withholing
Keep accounts.When the setting result during the 4th step pays the bill receipt is success status, net connection platform, which will merchandise, forwards receiving bank to be entered
Account processing, when the 6th step receiving bank, which provides, keeps accounts success receipt, stateful transaction is set to work(final state by net connection platform；Work as gathering
Bank is provided when keeping accounts failure receipt, and stateful transaction is put unsuccessfully final state by net connection platform.In Fig. 2, in Third-party payment mechanism and
Under the direct-connected pattern of bank, such as response abnormality in process of exchange, result of the transaction end-state after bank's reconciliation is defined.
And in an embodiment of the present invention, can determine to produce the affiliated participant of abnormal terminal in process of exchange first
Role, wherein, role be paying bank or receiving bank, certain role bank produce exception response in the case of, realize
The abnormal final state of rapid configuration transaction results before bank's reconciliation, so that each participation mechanism can adopt an effective measure reply in time
Exception response, lifts each trading efficiency for participating in mechanism.
S12：The abnormal final state of transaction results is configured based on abnormal final state method to set up corresponding with role.
In an embodiment of the present invention, when role is paying bank, corresponding abnormal final state method to set up is：Directly will
The abnormal final state of transaction results is set to abnormal failure final state.
In an embodiment of the present invention, when role is receiving bank, corresponding abnormal final state method to set up is：Judge to receive
Whether the type of money bank is excess reserve bank；If excess reserve bank, then before receiving bank produces response, it will directly hand over
The final state of easy result is set to successfully final state；If non-excess reserve bank, then be set to successfully final state by the final state of transaction results,
And transaction funds are configured based on netting clearing operation flow.
In the present embodiment, by determining to produce the role of the affiliated participant of abnormal terminal in process of exchange, wherein, angle
Color is paying bank or receiving bank, based on abnormal final state of the abnormal final state method to set up corresponding with role to transaction results
It is configured, realizes according to the role's difference for producing abnormal participant, determine corresponding abnormal final state method to set up to transaction
As a result abnormal final state is configured, and quick after transaction time-out eminently successful or abnormal failure final state can be put to transaction, carried
Trading efficiency is risen, fund security is ensured, improves Consumer's Experience, transaction system processing pressure is reduced.
Fig. 3 is the schematic flow sheet of the abnormal final state method to set up for the network payment that another embodiment of the present invention is proposed.
The embodiment is to produce the role of the affiliated participant of abnormal terminal as paying bank's progress example.
Referring to Fig. 3, this method includes：
S31：It is determined that the role for producing the abnormal affiliated participant of terminal is paying bank.
S32：The abnormal final state of transaction results is directly set to abnormal failure final state.
S33：Obtain the setting result to the abnormal final state of transaction results.
S34：Prompt message is generated based on setting result, and will be prompted to information and is sent to Third-party payment mechanism, so that the
Tripartite's payment mechanism is pointed out user based on prompt message.
For example, referring to Fig. 4, Fig. 4 is the final state setting procedure schematic diagram of a network payment in the embodiment of the present invention, when
When 4th step paying bank produces abnormal, the abnormal final state of transaction results is directly set to abnormal failure final state.
,, directly will transaction no matter whether it is excess reserve bank by when paying bank produces abnormal in the present embodiment
As a result abnormal final state is set to abnormal failure final state, and based on setting result to generate prompt message, will be prompted to information send to
Third-party payment mechanism, so that Third-party payment mechanism is pointed out user based on prompt message, enables to third party's branch
Pay mechanism and quickly know transaction results, and, because the abnormal final state of transaction results is set to abnormal failure final state, transaction funds are not
Netting clearance is included in, monetary losses risk is effectively prevent.
Fig. 5 is the schematic flow sheet of the abnormal final state method to set up for the network payment that another embodiment of the present invention is proposed.
The embodiment to produce the role of the affiliated participant of abnormal terminal as receiving bank, and, the type of receiving bank
It is that excess reserve bank carries out example.
Referring to Fig. 5, this method includes：
S51：It is determined that the role for producing the abnormal affiliated participant of terminal is receiving bank, and, the type of receiving bank is
Excess reserve bank.
S52：Before receiving bank produces response, the final state of transaction results is directly set to successfully final state.
For example, referring to Fig. 6, Fig. 6 is the final state setting procedure schematic diagram of another network payment in the embodiment of the present invention,
In the case where receiving bank is excess reserve bank, net connection platform is provided after the successful receipt of transaction once receiving paying bank,
Response is produced without waiting for receiving bank, the final state of transaction results final state can be set to successfully immediately, then, notify the 3rd
Square payment mechanism is merchandised successfully and notifies receiving bank's (excess reserve row) to carry out the processing that keeps accounts.
Further, Ruo Fashengyin excess reserves account fills in the reasons such as mistake and leads to not what is kept accounts, can be subsequently to gathering
The bank personnel of bank is notified so that bank personnel is kept accounts by hand by Error disposal.
In the present embodiment, when receiving bank is excess reserve bank, net connection platform need not keep accounts result according to it, you can
The final state of transaction results is directly set to successfully final state, it is not necessary to which user initiates transaction flow again, lifts the payment of user
Experience Degree.
Fig. 7 is the schematic flow sheet of the abnormal final state method to set up for the network payment that another embodiment of the present invention is proposed.
The embodiment to produce the role of the affiliated participant of abnormal terminal as receiving bank, and, the type of receiving bank
Example is carried out for non-excess reserve bank.
Referring to Fig. 7, this method includes：
S71：It is determined that the role for producing the abnormal affiliated participant of terminal is receiving bank, and, the type of receiving bank is
Non- excess reserve bank.
S72：The abnormal final state of transaction results is set to eminently successful final state.
S73：Whether detection receiving bank receives default request in process of exchange, and presetting request is used for transaction funds
Progress keeps accounts processing, if so, performing S75, otherwise, performs S74.
S74：Triggering receiving bank carries out the processing that keeps accounts to transaction funds, triggers S75.
S75：Judge whether receiving bank keeps accounts success, if so, then performing S78, otherwise, perform S77.
S76：Prompt message is generated based on eminently successful final state, and will be prompted to information and is sent to Third-party payment mechanism, with
Third-party payment mechanism is set to be pointed out based on prompt message user.
S77：Directly transaction funds are retracted into paying bank.
S78：Any processing is not made.
For example, when receiving bank is non-excess reserve bank, if receiving bank produces abnormal, net connection platform will be by will
The mode of eminently successful final state is put in transaction, and triggering is configured based on netting clearing operation flow to transaction funds.
Wherein, transaction funds are carried out based on netting clearing operation flow configuring as follows：
If the 1, receiving bank does not receive the default request for the processing that kept accounts to transaction funds progress in transaction, trigger
Receiving bank carries out the processing that keeps accounts to transaction funds.
(1) such as keep accounts success, then each side need not do any follow-up adjustment.
(2) such as keep accounts unsuccessfully, receiving bank can notify net connection platform in time so that net joins platform subsequently to adjust account mode
Fund is retracted into paying bank, monetary losses risk is prevented effectively from.
If the 2, receiving bank has been received by the default request for the processing that kept accounts to transaction funds progress in transaction, and has touched
Hair carries out the processing that keeps accounts to transaction funds.
(1) such as keep accounts success, then each side need not do any follow-up adjustment.
(2) such as keep accounts unsuccessfully, receiving bank can notify net connection platform in time so that net joins platform subsequently to adjust account mode
Fund is retracted into paying bank, monetary losses risk is prevented effectively from.
In the present embodiment, by when it is non-excess reserve bank to produce abnormal receiving bank, directly by transaction results
Abnormal final state is set to eminently successful final state, and transaction funds are configured based on netting clearing operation flow, triggering gathering silver
Row carries out the processing that keeps accounts to transaction funds, and such as keep accounts success, then each side need not do any follow-up adjustment, such as keeps accounts unsuccessfully, receives
Money bank can notify net connection platform in time so that net connection platform is follow-up to adjust account mode that fund is retracted into paying bank,
It is prevented effectively from monetary losses risk.Abnormal transaction is produced to receiving bank and puts eminently successful final state, is conducive to raising to merchandise into
Power.Do not need user to initiate transaction flow again, lift the payment Experience Degree of user.Retry, reduce due to reducing transaction
The service processing pressure of net connection platform and banking system.
Fig. 8 is that the abnormal final state for the network payment that one embodiment of the invention is proposed sets the structural representation of device.
Referring to Fig. 8, the abnormal final state of the network payment sets device 800 to include：
Role determination module 801, the role for determining to produce the affiliated participant of abnormal terminal in process of exchange, its
In, role is paying bank or receiving bank.
Final state setup module 802, for based on exception of the abnormal final state method to set up corresponding with role to transaction results
Final state is configured.
Wherein, final state setup module 802 includes：
First final state sets submodule 8021, directly that the exception of transaction results is whole for when role is paying bank
State is set to abnormal failure final state.
Second final state set submodule 8022, for role be receiving bank when, judge receiving bank type whether
For excess reserve bank, if excess reserve bank, then before receiving bank produces response, directly the final state of transaction results is set
For success final state, if non-excess reserve bank, then the abnormal final state of transaction results is set to eminently successful final state, and be based on rolling
Poor clearing operation flow is configured to transaction funds.
Alternatively, in some embodiments, the second final state set submodule 8022 specifically for：
Whether detection receiving bank receives default request in process of exchange, and presetting request is used to carry out transaction funds
Keep accounts processing；If not receiving default request, triggering receiving bank carries out the processing that keeps accounts to transaction funds；If receiving default
Request, then configure according to receiving bank's successful result that whether kept accounts to transaction funds to transaction funds.
Alternatively, in some embodiments, the second final state set submodule 8022 specifically for：
Do not kept accounts success if result is receiving bank, transaction funds are retracted into paying bank.
Alternatively, in some embodiments, the second final state set submodule 8022 specifically for：
When receiving bank does not keep accounts successfully, directly transaction funds are retracted into paying bank.
Alternatively, in some embodiments, referring to Fig. 9, the abnormal final state of the network payment sets device 800 also to include：
Result acquisition module 803 is set, for obtaining the setting result to the abnormal final state of transaction results.
Prompt message generation module 804, for based on setting result to generate prompt message, and will be prompted to information and sends to the
Tripartite's payment mechanism, so that Third-party payment mechanism is pointed out user based on prompt message.
It should be noted that to the abnormal final state method to set up embodiment of network payment in earlier figures 1- Fig. 7 embodiments
The abnormal final state for illustrating the network payment for being also applied for the embodiment sets device 800, and its realization principle is similar, herein not
Repeat again.
In the present embodiment, by determining to produce the role of the affiliated participant of abnormal terminal in process of exchange, wherein, angle
Color is paying bank or receiving bank, based on abnormal final state of the abnormal final state method to set up corresponding with role to transaction results
It is configured, realizes according to the role's difference for producing abnormal participant, determine corresponding abnormal final state method to set up to transaction
As a result abnormal final state is configured, and quick after transaction time-out eminently successful or abnormal failure final state can be put to transaction, carried
Trading efficiency is risen, fund security is ensured, improves Consumer's Experience, transaction system processing pressure is reduced.
It should be noted that in the description of the invention, term " first ", " second " etc. are only used for describing purpose, without
It is understood that to indicate or imply relative importance.In addition, in the description of the invention, unless otherwise indicated, the implication of " multiple "
It is two or more.
Any process described otherwise above or method description are construed as in flow chart or herein, represent to include
Module, fragment or the portion of the code of one or more executable instructions for the step of realizing specific logical function or process
Point, and the scope of the preferred embodiment of the present invention includes other realization, wherein can not be by shown or discussion suitable
Sequence, including according to involved function by it is basic simultaneously in the way of or in the opposite order, carry out perform function, this should be of the invention
Embodiment person of ordinary skill in the field understood.
It should be appreciated that each several part of the present invention can be realized with hardware, software, firmware or combinations thereof.Above-mentioned
In embodiment, the software that multiple steps or method can in memory and by suitable instruction execution system be performed with storage
Or firmware is realized.If, and in another embodiment, can be with well known in the art for example, realized with hardware
Any one of row technology or their combination are realized：With the logic gates for realizing logic function to data-signal
Discrete logic, the application specific integrated circuit with suitable combinational logic gate circuit, programmable gate array (PGA), scene
Programmable gate array (FPGA) etc..
Those skilled in the art are appreciated that to realize all or part of step that above-described embodiment method is carried
Rapid to can be by program to instruct the hardware of correlation to complete, described program can be stored in a kind of computer-readable storage medium
In matter, the program upon execution, including one or a combination set of the step of embodiment of the method.
In addition, each functional unit in each embodiment of the invention can be integrated in a processing module, can also
That unit is individually physically present, can also two or more units be integrated in a module.Above-mentioned integrated mould
Block can both be realized in the form of hardware, it would however also be possible to employ the form of software function module is realized.The integrated module is such as
Fruit is realized using in the form of software function module and as independent production marketing or in use, can also be stored in a computer
In read/write memory medium.
Storage medium mentioned above can be read-only storage, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means to combine specific features, structure, material or the spy that the embodiment or example are described
Point is contained at least one embodiment of the present invention or example.In this manual, to the schematic representation of above-mentioned term not
Necessarily refer to identical embodiment or example.Moreover, specific features, structure, material or the feature of description can be any
One or more embodiments or example in combine in an appropriate manner.
Although embodiments of the invention have been shown and described above, it is to be understood that above-described embodiment is example
Property, it is impossible to limitation of the present invention is interpreted as, one of ordinary skill in the art within the scope of the invention can be to above-mentioned
Embodiment is changed, changed, replacing and modification.
Claims (10)
1. the abnormal final state method to set up of a kind of network payment, it is characterised in that comprise the following steps：
It is determined that produce the role of the affiliated participant of abnormal terminal in process of exchange, wherein, the role be paying bank or
Person receiving bank；
The abnormal final state of transaction results is configured based on abnormal final state method to set up corresponding with the role；
Wherein, when the role is the paying bank, the corresponding abnormal final state method to set up is：Directly handed over described
The abnormal final state of easy result is set to abnormal failure final state；
When the role is the receiving bank, the corresponding abnormal final state method to set up is：
Whether the type for judging the receiving bank is excess reserve bank；
If the excess reserve bank, then before the receiving bank produces response, directly by the final state of the transaction results
It is set to successfully final state；
If non-excess reserve bank, then the abnormal final state of the transaction results is set to eminently successful final state, and based on netting
Clearing operation flow is configured to transaction funds.
2. the abnormal final state method to set up of network payment as claimed in claim 1, it is characterised in that described based on netting clearance
Operation flow is configured to the transaction funds, including：
Detect whether the receiving bank receives default request in process of exchange, it is described default to ask to be used for the transaction
Fund carries out the processing that keeps accounts；
If not receiving the default request, trigger the receiving bank and the processing that keeps accounts is carried out to the transaction funds；
If receiving the default request, whether the transaction funds are kept accounts successful result pair according to the receiving bank
The transaction funds are configured.
3. the abnormal final state method to set up of network payment as claimed in claim 2, it is characterised in that described according to the gathering
Bank's successful result that whether kept accounts to the transaction funds is configured to the transaction funds, including：
Do not kept accounts success if the result is the receiving bank, the transaction funds are retracted into the paying bank.
4. the abnormal final state method to set up of network payment as claimed in claim 2, it is characterised in that the triggering gathering
Bank is kept accounts to transaction funds progress after processing, in addition to：
When the receiving bank does not keep accounts successfully, directly the transaction funds are retracted into the paying bank.
5. the abnormal final state method to set up of the network payment as described in claim any one of 1-4, it is characterised in that also include：
Obtain the setting result to the abnormal final state of the transaction results；
Prompt message is generated based on the setting result, and the prompt message is sent to the Third-party payment mechanism, with
The Third-party payment mechanism is set to be pointed out based on the prompt message user.
6. a kind of abnormal final state of network payment sets device, it is characterised in that including：
Role determination module, the role for determining to produce the affiliated participant of abnormal terminal in process of exchange, wherein, it is described
Role is paying bank or receiving bank；
Final state setup module, for based on abnormal final state of the abnormal final state method to set up corresponding with the role to transaction results
It is configured；
Wherein, the final state setup module includes：
First final state sets submodule, for when the role is the paying bank, directly by the different of the transaction results
Normal final state is set to abnormal failure final state；
Second final state sets submodule, for when the role is the receiving bank, judging the type of the receiving bank
Whether it is excess reserve bank, if the excess reserve bank, then before the receiving bank produces response, is directly handed over described
The final state of easy result is set to successfully final state, if non-excess reserve bank, is then set to the abnormal final state of the transaction results
Eminently successful final state, and the transaction funds are configured based on netting clearing operation flow.
7. the abnormal final state of network payment as claimed in claim 6 sets device, it is characterised in that second final state is set
Submodule specifically for：
Detect whether the receiving bank receives default request in process of exchange, it is described default to ask to be used for the transaction
Fund carries out the processing that keeps accounts；
If not receiving the default request, trigger the receiving bank and the processing that keeps accounts is carried out to the transaction funds；
If receiving the default request, whether the transaction funds are kept accounts successful result pair according to the receiving bank
The transaction funds are configured.
8. the abnormal final state of network payment as claimed in claim 7 sets device, it is characterised in that second final state is set
Submodule also particularly useful for：
Do not kept accounts success if the result is the receiving bank, the transaction funds are retracted into the paying bank.
9. the abnormal final state of network payment as claimed in claim 7 sets device, it is characterised in that second final state is set
Submodule further specifically for：
When the receiving bank does not keep accounts successfully, directly the transaction funds are retracted into the paying bank.
10. the abnormal final state of the network payment as described in claim any one of 6-9 sets device, it is characterised in that also include：
Result acquisition module is set, for obtaining the setting result to the abnormal final state of the transaction results；
Prompt message generation module, for based on it is described setting result generate prompt message, and by the prompt message send to
The Third-party payment mechanism, so that the Third-party payment mechanism is pointed out user based on the prompt message.
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| CN107194678B (en) | 2020-07-17 |
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