CN109741037A - Method of payment and device - Google Patents
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- CN109741037A CN109741037A CN201811541425.8A CN201811541425A CN109741037A CN 109741037 A CN109741037 A CN 109741037A CN 201811541425 A CN201811541425 A CN 201811541425A CN 109741037 A CN109741037 A CN 109741037A
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- payment
- sorting
- task
- chronological file
- delivery operation
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Abstract
This application involves payment technology fields, more particularly, to a kind of method of payment and device.If it is predetermined time that method of payment, which includes: current time, current date is compared with the date table prestored;Wherein, the legal Holiday Dates of date table storage country;If the current date is contained in the date table, sorting chronological file is obtained;Delivery operation is carried out to the sorting chronological file.Using the above scheme, current date is compared with the Holiday Dates table prestored;If the current date is contained in the date table, it is determined that the same day is festivals or holidays, and then is actuated for payment work, so that trade company also can be realized fund to account in festivals or holidays.
Description
Technical field
This application involves payment technology fields, more particularly, to a kind of method of payment and device.
Background technique
With flourishing for e-commerce, seller and buyer tend to borrow Third-party payment due to safety concerns and put down
Platform.Third-party payment has become current indispensable form of payment.In the transaction by Third-party payment platform, buy
After side is bought goods, payment for goods payment is carried out using the account that Third-party payment platform provides, is sold by Third-party payment platform notice
Family's payment for goods reaches, delivers;After buyer's item inspecting, so that it may which advice and pay is to seller, and Third-party payment platform is again by money
Item goes to seller's account.In conjunction with the characteristics of e-commerce, seller is mostly middle-size and small-size enterprise, and fund is just more when being in festivals or holidays
Anxiety is consumed stroke count and the amount of money and is especially protruded in festivals or holidays because consumer is stronger in festivals or holidays consumption wish, but existing
The financial account system of Third-party payment mechanism cannot achieve trade company's fund, and in festivals or holidays, (such as weekend, National Day, country was legal
Festivals or holidays) realize that fund to account, causes trade company's capital turnover difficulty.
Summary of the invention
In view of this, the embodiment of the present application provides a kind of method of payment and device, it is also able to achieve payment in festivals or holidays, with side
Just trade company is in festivals or holidays fund returned money.
In a first aspect, the embodiment of the present application provides a kind of method of payment, comprising: if current time is predetermined time,
Current date is compared with the date table prestored;Wherein, the legal Holiday Dates of date table storage country;If deserved
The preceding date is contained in the date table, obtains sorting chronological file;Delivery operation is carried out to the sorting chronological file.
In preferred embodiments of the present invention, obtain sorting chronological file the step of, comprising: setting time point obtain
Sorting chronological file;Alternatively, the period according to setting obtains sorting chronological file.
In preferred embodiments of the present invention, to the sorting chronological file carry out delivery operation the step of, comprising: according to this
Sorting chronological file generates payment task;Delivery operation is initiated according to the payment task choosing channel of disbursement;Inquire payment behaviour
The pay status of work;The pay status includes paying successfully or paying failure;If the pay status is when paying successfully, into
Row reconciliation operation;If pay status is payment failure, which is marked, for manually verifying.
In preferred embodiments of the present invention, according to the payment task choosing channel of disbursement initiate delivery operation the step of,
It include: to select Unionpay's settlement channel if it is to private payment task;If it is to public payment task, the direct-connected clearing of bank are selected
Channel.
In preferred embodiments of the present invention, after the step of sorting chronological file generation payment task, the party
Method include: the data of detail list and summary row in payment task are compared, and in payment task same card number and
With the amount of money transaction carry out it is doubtful sentence weight;If the detail list is consistent with the payment amount of summary row, and the doubtful result for sentencing weight
Not repeat, the step of this initiates delivery operation according to the payment task choosing channel of disbursement is executed.
Second aspect, the embodiment of the present application also provides a kind of payment mechanisms, comprising: contrast module, if for current
Moment is predetermined time, and current date is compared with the date table prestored;Wherein, the legal vacation of date table storage country
Date day;Module is obtained, if be contained in the date table for the current date, obtains sorting chronological file;Payment module,
For carrying out delivery operation to the sorting chronological file.
In preferred embodiments of the present invention, which is also used to obtain sorting flowing water text at the time point of setting
Part;Alternatively, the period according to setting obtains sorting chronological file.
In preferred embodiments of the present invention, which is also used to: being generated payment according to the sorting chronological file and is appointed
Business;Delivery operation is initiated according to the payment task choosing channel of disbursement;Inquire the pay status of the delivery operation;The pay status
Including paying successfully or paying failure;If the pay status is when paying successfully, to carry out reconciliation operation;If pay status
For payment failure, which is marked, for manually verifying.
In preferred embodiments of the present invention, which is also used to select Unionpay's knot if it is to private payment task
Calculate channel;If it is to public payment task, the direct-connected settlement channel of bank is selected.
In preferred embodiments of the present invention, which is also used to: to the detail list and summary row in payment task
Data be compared, and in payment task same card number and with the amount of money transaction carry out it is doubtful sentence weight;If the detail
Table is consistent with the payment amount of summary row, and the doubtful result for sentencing weight is not repeat, according to the payment task choosing channel of disbursement
Initiate delivery operation.
Using the above scheme, current date is compared with the Holiday Dates table prestored;If the current date includes
In the date table, it is determined that the same day is festivals or holidays, and then is actuated for payment work.So that trade company also can be real in festivals or holidays
Show fund to account.
Other feature and advantage of the disclosure will illustrate in the following description, alternatively, Partial Feature and advantage can be with
Deduce from specification or unambiguously determine, or by implement the disclosure above-mentioned technology it can be learnt that.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, better embodiment is cited below particularly, and match
Appended attached drawing is closed, is described in detail below.
Detailed description of the invention
It, below will be to specific in order to illustrate more clearly of disclosure specific embodiment or technical solution in the prior art
Embodiment or attached drawing needed to be used in the description of the prior art be briefly described, it should be apparent that, it is described below
Attached drawing is some embodiments of the disclosure, for those of ordinary skill in the art, before not making the creative labor
It puts, is also possible to obtain other drawings based on these drawings.
Fig. 1 is the Third-party payment platform application scenarios schematic diagram that the application embodiment provides;
Fig. 2 is the flow chart for the method for payment that the application embodiment provides;
Fig. 3 is the carry out delivery operation flow chart that the application embodiment provides;
Fig. 4 is the structural schematic diagram for the payment mechanism that the application embodiment provides;
Fig. 5 is the structural schematic diagram for the payment module that the application embodiment provides;
Fig. 6 is the payment devices structure chart that the application embodiment provides.
Specific embodiment
To keep the purposes, technical schemes and advantages of disclosure embodiment clearer, below in conjunction with attached drawing to this public affairs
The technical solution opened is clearly and completely described, it is clear that and described embodiment is a part of embodiment of the disclosure,
Rather than whole embodiment.Based on the embodiment in the disclosure, those of ordinary skill in the art are not making creation
Property labour under the premise of every other embodiment obtained, belong to the disclosure protection range.
In order to describe to understand buyer, seller, the relationship between Third-party payment platform, third party's branch shown in Figure 1
Pay platform application scenarios schematic diagram:
The first step, client buy goods on the website of e-commerce, determine purchase;
Second step, client's Selection utilization third party draw payment for goods to third party's account as exchange intermediary, client;
Third step, the message informing businessman that Third-party payment platform has paid the bill client, and require businessman in regulation
Interior delivery;
4th step is delivered after businessman is notified according to order;
5th step, client receive cargo and notify third party after verifying;
Payment for goods in its account is divided into Merchant Account by the 6th step, third party, and transaction is completed.
But in the prior art, if being in nonworkdays, the staff of Third-party payment platform is in the shape having a holiday
State, the 6th step can not carry out, so businessman just cannot get payment for goods in nonworkdays.
Based on this, a kind of method for present embodiments providing payment, the flow chart of method of payment as shown in Figure 2, the party
Method the following steps are included:
Current date is compared with the date table prestored if current time is predetermined time by step S202;Its
In, the legal Holiday Dates of date table storage country;
Wherein, predetermined time can be the morning zero point of every day;Can be every day 7 points of morning, 8 points, 8 thirty or
9 points of person, principle is to be selected in morning, and people start before progress transaction;Holiday Dates table is that country is public in the annual end of the year
Cloth, the festivals or holidays for describing second year arrange.
Step S204 obtains sorting chronological file if the current date is contained in the date table;To the sorting flowing water
File carries out delivery operation.
When it is implemented, the current date is compared whether in above-mentioned date festivals or holidays table, if there is false in section
In day date table, it is determined that the date on the same day belongs to festivals or holidays.
Using the above scheme, current date is compared with the Holiday Dates table prestored;If the current date includes
In the date table, it is determined that the same day is festivals or holidays, and then is actuated for payment work.So that trade company also can be real in festivals or holidays
Show fund to account.
In order to preferably service the timely fund of trade company to account, the step of step S204 includes: to obtain at the time point of setting
Sorting chronological file;Alternatively, the period according to setting obtains sorting chronological file.
Wherein, time point can be fixed sometime, such as 9 o'clock of the morning, 10 o'clock or 11 o'clock;Period can
To be a hour, half an hour or 15 minutes etc..Period is arranged smaller, and be more conducive to trade company fund can arrive in time
Account.
In order to solve the problems, such as that festivals or holidays human resources lack, the flow chart of progress delivery operation shown in Figure 3 is right
Above-mentioned sorting chronological file carries out the step of delivery operation and includes:
Step S302 generates payment task according to the sorting chronological file;
Wherein, sorting chronological file to be score-clearing system draw according to trade company's consecutive days in merchant information management system pay mark,
Provide loans button rate, receive single button rate calculating and provide loans and service charge and receive the one hand information such as continue to pay dues and generated respectively according to the difference of cooperative institution
The batches sorting chronological file such as bank card, wild card, Alipay, wechat.Sorting chronological file generates on weekdays, waits section
It is paid in holiday, for example generates sorting chronological file on Friday, wait until that Saturday can be paid, and existing skill
In art, the chronological file that Friday generates, can only wait till next week one just can be carried out payment;Sorting chronological file is also possible to saving
Same day of holiday generates, and the same day is paid, such as the sorting chronological file generated on the day of Saturday, on the time of generation is
10 points of noon, 11 points of preset time point is arrived, so that it may be paid, trade company has just obtained returned money at ten one points, greatly
Facilitate trade company.
Step S304 initiates delivery operation according to the payment task choosing channel of disbursement;
Wherein, different operation channels can choose according to the attribute of payment task;When being service for corporate customers, can choose
To public channel;When being to private business, can choose specially to private channel.
Avoiding problems the payment transactions of personal payment transaction and trade company to mix, and avoids to personal payment
Business seizes the payment resource to trade company, to save payment resource.
Step S306 inquires the pay status of the delivery operation;The pay status includes paying successfully or paying failure;
Wherein, when pay status is to pay successfully, it can automatically send a notification message to trade company, notify quotient in time
Family.When pay status is unsuccessfully, the reason of failing is detected, can carry out paying again automatically primary.
Step S308, if the pay status is when paying successfully, to carry out reconciliation operation;If pay status is that payment is lost
It loses, which is marked, for manually verifying.
Wherein, for causing payment to fail due to network cause or canalization failure, to the payment task of failure
It is marked, waits until first day gone to work after festivals or holidays, debugged by manual inspection and then completed the knot of trade company's fund
It calculates.
The delivery operation of the application is automatically performed, and is carried out without artificial.It is false more suitable for section to save human resources
Day, the scene of middle no employee's working could be used that on weekdays.
In order to better discriminate between service for corporate customers and to private business, payment behaviour is initiated according to the payment task choosing channel of disbursement
The step of making, comprising: if it is to private payment task, select Unionpay's settlement channel;If it is to public payment task, bank is selected
Direct-connected settlement channel.
For the ease of staff's statistical data on weekdays, method further include: generate trade company's report and log for
Staff carries out query statistic in next working day.
In preferred embodiments of the present invention, after the step of sorting chronological file generation payment task, the party
Method include: the data of detail list and summary row in payment task are compared, and in payment task same card number and
With the amount of money transaction carry out it is doubtful sentence weight;If the detail list is consistent with the payment amount of summary row, and the doubtful result for sentencing weight
Not repeat, the step of this initiates delivery operation according to the payment task choosing channel of disbursement is executed.
Wherein, the doubtful situation for sentencing weight includes:
1) same to card number, with the amount of money transaction carry out it is doubtful sentence weight;If same card number, the transaction with the amount of money has occurred at least two
It is secondary, it is determined that be doubtful repeat business;Then for doubtful duplicate fund, processing is paid without drawing, when working day arrives, by
Staff verifies, and is confirmed as trade company just when fund, is released doubtful judgement in time, completes trade company's capital settlement;
2) abnormal to Mr. Yu trade company fund, if fund one day is more than 10 times of the transaction funds in history 30 days extremely, depending on
It is abnormal for trade company's fund, it is determined that be doubtful repetition;It does not pay, when working day arrives, is verified by staff, be confirmed as quotient
Family is released doubtful judgement just when fund in time, completes trade company's capital settlement.
It corresponds to the above method, the embodiment of the present application also provides a kind of payment mechanism, payment dress shown in Figure 4
Structure chart is set, which includes:
Contrast module 41 compares current date with the date table prestored if being predetermined time for current time
It is right;Wherein, the legal Holiday Dates of date table storage country;
Module 42 is obtained, if be contained in the date table for the current date, obtains sorting chronological file;
Payment module 43, for carrying out delivery operation to the sorting chronological file.
Using the above scheme, by the way that current date to be compared with the Holiday Dates table prestored;If the current date
It is contained in the date table, it is determined that the same day is festivals or holidays, to start payment work.So that trade company also can be real in festivals or holidays
Show fund to account.
In order to preferably service the timely fund of trade company to account, in preferred embodiments of the present invention, the acquisition module 42 is also
Sorting chronological file is obtained for the time point in setting;Alternatively, the period according to setting obtains sorting chronological file.
Wherein, time point can be fixed sometime, such as 9 o'clock of the morning, 10 o'clock or 11 o'clock;Period can
To be a hour, half an hour or 15 minutes etc..Period is arranged smaller, and be more conducive to trade company fund can arrive in time
Account.
In order to solve the problems, such as that festivals or holidays human resources lack, the structural schematic diagram of payment module 43 shown in Figure 5;
The payment module 43 includes:
Payment task generation unit 431, for generating payment task according to the sorting chronological file;
Wherein, sorting chronological file generates on weekdays, waits and being paid in festivals or holidays, such as raw on Friday
At sorting chronological file, wait until that Saturday can be paid, and in the prior art, the chronological file that Friday generates, only
It can wait till next week and one just can be carried out payment;Sorting chronological file is also possible to generate on the day of festivals or holidays, and the same day is paid,
For example the sorting chronological file generated on the day of Saturday, the time of generation are 10 points of the morning, have arrived preset time point
11 points, so that it may be paid, trade company has just obtained returned money at ten one points, greatly facilitates trade company.
Channel of disbursement selecting unit 432, for initiating delivery operation according to the payment task choosing channel of disbursement;
Pay status query unit 433, for inquiring the pay status of the delivery operation;
The pay status includes paying successfully or paying failure;
Reconciliation unit 434, when inquiring the pay status of the delivery operation for pay status query unit to pay successfully,
Carry out reconciliation operation;
Marking unit 435, when inquiring the pay status of the delivery operation for pay status query unit to pay failure,
The payment task is marked, for manually verifying.
Wherein, for causing payment to fail due to network cause or canalization failure, to the payment task of failure
It is marked, waits until first day gone to work after festivals or holidays, debugged by manual inspection and then completed the knot of trade company's fund
It calculates.
In preferred embodiments of the present invention, channel of disbursement selecting unit 432 is also used to if it is to private payment task, choosing
Select Unionpay's settlement channel;If it is to public payment task, the direct-connected settlement channel of bank is selected.Avoiding problems personal payment industry
Business and the payment transaction of trade company mix, and avoid and seize payment resource to trade company to personal payment transaction, thus
Save payment resource.
In order to avoid repeating to pay, in preferred embodiments of the present invention, the payment module further include:
Weight unit 436 is sentenced in comparison, is connected to payment task generation unit 431, and it is raw to obtain payment task generation unit 431
At payment task;It is compared for the data to detail list and summary row in payment task, and in payment task
Same card number and with the amount of money transaction carry out it is doubtful sentence weight;If the detail list is consistent with the payment amount of summary row, and doubtful
The result for sentencing weight is not repeat, then channel of disbursement selecting unit 432 initiates payment behaviour according to the payment task choosing channel of disbursement
Make.
Wherein, the doubtful situation for sentencing weight includes:
1) to same card number, with the amount of money transaction carry out it is doubtful sentence weight;If same card number, the transaction with the amount of money is had occurred at least
Twice, it is determined that be doubtful repeat business;Then for doubtful duplicate fund, processing is paid without drawing, when working day arrives,
It is verified by staff, is confirmed as trade company just when fund, released doubtful judgement in time, complete trade company's capital settlement;
2) abnormal to Mr. Yu trade company fund, if fund one day is more than 10 times of the transaction funds in history 30 days extremely, depending on
It is abnormal for trade company's fund, it is determined that be doubtful repetition;It does not pay, when working day arrives, is verified by staff, be confirmed as quotient
Family is released doubtful judgement just when fund in time, completes trade company's capital settlement.
The present invention is not only able to save cost of human resources, and realization system is drawn automatically pays, moreover it is possible to it is directed to channel characteristic, it is comprehensive
Each channel advantage and disadvantage, intelligences combination, selection meet the liquidation expenses are to be paid,as a matter of priority channel that trade company's principal amount requires and channel meets, and realize quotient
Family fund nonworkdays is to account.
Present embodiments provide for a kind of payment devices corresponding with above method embodiment.Fig. 6 is that the payment is set
Standby structural schematic diagram, as shown in fig. 6, the equipment includes processor 601 and memory 602;Wherein, memory 602 is for depositing
One or more computer instruction is stored up, one or more computer instruction is executed by processor, to realize above-mentioned method of payment.
Equipment shown in Fig. 6 further includes bus 603, and processor 601, memory 602 are connected by bus 603.
Wherein, memory 602 may include high-speed random access memory (RAM, Random Access Memory),
It may further include non-labile memory (non-volatile memory), for example, at least a magnetic disk storage.Bus
603 can be isa bus, pci bus or eisa bus etc..The bus can be divided into address bus, data/address bus, control always
Line etc..Only to be indicated with a four-headed arrow in Fig. 6, it is not intended that an only bus or a type of convenient for indicating
Bus.
Processor 601 may be a kind of IC chip, the processing capacity with signal.It is above-mentioned during realization
Each step of method can be completed by the integrated logic circuit of the hardware in processor 601 or the instruction of software form.On
The processor 601 stated can be general processor, including central processing unit (Central Processing Unit, abbreviation
CPU), network processing unit (Network Processor, abbreviation NP) etc.;It can also be digital signal processor (Digital
Signal Processor, abbreviation DSP), specific integrated circuit (Application Specific Integrated
Circuit, abbreviation ASIC), field programmable gate array (Field-Programmable Gate Array, abbreviation FPGA) or
Person other programmable logic device, discrete gate or transistor logic, discrete hardware components.It may be implemented or execute sheet
Disclosed each method, step and logic diagram in invention embodiment.General processor can be microprocessor or this at
Reason device is also possible to any conventional processor etc..The step of method in conjunction with disclosed in embodiment of the present invention, can direct body
Now executes completion for hardware decoding processor, or in decoding processor hardware and software module combine and execute completion.It is soft
Part module can be located at random access memory, and flash memory, read-only memory, programmable read only memory or electrically erasable programmable are deposited
In the storage medium of this fields such as reservoir, register maturation.The storage medium is located at memory 602, and processor 601 reads storage
Information in device 602, in conjunction with its hardware complete aforementioned embodiments method the step of.
More than, the only specific embodiment of the application, but the protection scope of the application is not limited thereto, and it is any to be familiar with
Those skilled in the art within the technical scope of the present application, can easily think of the change or the replacement, and should all cover
Within the protection scope of the application.Therefore, the protection scope of the application should be subject to the protection scope in claims.
Claims (10)
1. a kind of method of payment characterized by comprising
If current time is predetermined time, current date is compared with the date table prestored;Wherein, the date table is deposited
The legal Holiday Dates of storage country;
If the current date is contained in the date table, sorting chronological file is obtained;
Delivery operation is carried out to the sorting chronological file.
2. the method as described in claim 1, which is characterized in that the step of obtaining sorting chronological file, comprising:
Sorting chronological file is obtained at the time point of setting;Alternatively, the period according to setting obtains sorting chronological file.
3. the method as described in claim 1, which is characterized in that the step of delivery operation is carried out to the sorting chronological file,
Include:
Payment task is generated according to the sorting chronological file;
Delivery operation is initiated according to the payment task choosing channel of disbursement;
Inquire the pay status of the delivery operation;The pay status includes paying successfully or paying failure;
If the pay status is when paying successfully, to carry out reconciliation operation;
If pay status is payment failure, the payment task is marked, for manually verifying.
4. method as claimed in claim 3, which is characterized in that initiate payment behaviour according to the payment task choosing channel of disbursement
The step of making, comprising:
If it is to private payment task, Unionpay's settlement channel is selected;
If it is to public payment task, the direct-connected settlement channel of bank is selected.
5. method as claimed in claim 3, which is characterized in that the step of generating payment task according to the sorting chronological file
Later, which comprises
The data of detail list and summary row in payment task are compared, and to the same card number in payment task and with gold
The transaction progress of volume is doubtful to sentence weight;
If the detail list is consistent with the payment amount of summary row, and the doubtful result for sentencing weight is not repeat, and executes described
The step of initiating delivery operation according to the payment task choosing channel of disbursement.
6. a kind of payment mechanism characterized by comprising
Current date is compared with the date table prestored if being predetermined time for current time for contrast module;Its
In, the legal Holiday Dates of date table storage country;
Module is obtained, if be contained in the date table for the current date, obtains sorting chronological file;
Payment module, for carrying out delivery operation to the sorting chronological file.
7. device as claimed in claim 6, which is characterized in that the module that obtains is also used to obtain clearly at the time point of setting
Divide chronological file;Alternatively, the period according to setting obtains sorting chronological file.
8. device as claimed in claim 6, which is characterized in that the payment module is also used to:
Payment task is generated according to the sorting chronological file;
Delivery operation is initiated according to the payment task choosing channel of disbursement;
Inquire the pay status of the delivery operation;The pay status includes paying successfully or paying failure;
If the pay status is when paying successfully, to carry out reconciliation operation;
If pay status is payment failure, the payment task is marked, for manually verifying.
9. device as claimed in claim 8, which is characterized in that the payment module is also used to if it is to private payment task,
Select Unionpay's settlement channel;If it is to public payment task, the direct-connected settlement channel of bank is selected.
10. device as claimed in claim 8, which is characterized in that the payment module is also used to:
The data of detail list and summary row in payment task are compared, and to the same card number in payment task and with gold
The transaction progress of volume is doubtful to sentence weight;
If the detail list is consistent with the payment amount of summary row, and the doubtful result for sentencing weight is not repeat, according to the branch
It pays task choosing channel of disbursement and initiates delivery operation.
Priority Applications (1)
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CN201811541425.8A CN109741037A (en) | 2018-12-17 | 2018-12-17 | Method of payment and device |
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CN201811541425.8A CN109741037A (en) | 2018-12-17 | 2018-12-17 | Method of payment and device |
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ID=66359477
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CN112116315A (en) * | 2020-08-28 | 2020-12-22 | 泰康保险集团股份有限公司 | Date determination device and electronic apparatus |
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CN107945009A (en) * | 2017-11-23 | 2018-04-20 | 中国银行股份有限公司 | A kind of method and system on definite value date |
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CN110457395A (en) * | 2019-08-15 | 2019-11-15 | 中国银行股份有限公司 | The synchronous method and device of holiday data |
CN112116315A (en) * | 2020-08-28 | 2020-12-22 | 泰康保险集团股份有限公司 | Date determination device and electronic apparatus |
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