CN111369287A

CN111369287A - Information processing method, information processing device, computer storage medium and computer equipment

Info

Publication number: CN111369287A
Application number: CN202010143773.0A
Authority: CN
Inventors: 李郁; 谢东东; 胡利; 李莹; 彭佑高; 刘文辉
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2020-03-04
Filing date: 2020-03-04
Publication date: 2020-07-03

Abstract

The disclosure provides an information processing method and device, and relates to the field of computers. The method comprises the following steps: responding to a trigger instruction, acquiring first service information corresponding to a target user in a charging period, wherein the transaction corresponding to the first service information occupies a free amount and the transaction state is failure; acquiring second service information and a service charge charging rule corresponding to a target user in a charging period, and determining the amount of the service charge to be returned according to the second service information, the service charge charging rule and the first service information; and returning the service charge amount to be returned to the account of the target user, and displaying refund prompt information containing the service charge amount to be returned in a graphical user interface of the terminal equipment of the target user. The method and the device can effectively compensate the economic loss of the user, ensure that the service fee actually paid by the user is consistent with the service fee to be paid according to the amount of successful transaction, and can reach the user by message, thereby improving the user experience.

Description

Information processing method, information processing device, computer storage medium and computer equipment

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to an information processing method, an information processing apparatus, a computer storage medium, and a computer device.

Background

With the rapid development of computer technology and network technology, people's life is more convenient, and people can shop, read, pay fee through the network. Taking online payment as an example, the user can directly log in the service provider platform to pay, and can also pay through the payment platform. Taking payment through the payment platform as an example, the payment platform can be in butt joint with a plurality of service provider platforms, and a user can select a service provider required by the user from the payment platform to pay.

In order to improve the user experience, the payment platform usually sets a free amount, when the payment amount is within the free amount, the service fee is not collected, and when the payment amount exceeds the free amount, the corresponding service fee is collected. Considering that the payment result may be successful or may fail, if the first transaction submitted by the user occupies the free amount but fails, and the subsequent initiated transaction will collect the service fee because the free amount is used up, so the user does not substantially enjoy the benefit of the free amount. For the situation, the currently adopted method is to compensate the user by returning the free amount after the transaction fails, but the method still directly causes economic loss of the user under the condition that the user does not continue the transaction subsequently, so that the service fee charged by the user is higher than the amount of service fee to be charged according to the successful amount of the transaction of the user, and the user experience is reduced.

It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present disclosure, and thus may include information that does not constitute prior art known to those of ordinary skill in the art.

Disclosure of Invention

Embodiments of the present disclosure provide an information processing method, an information processing apparatus, a computer storage medium, and a computer device, so that economic loss of a user can be avoided at least to a certain extent, a user account is notified dynamically in time, and user experience is improved.

Additional features and advantages of the disclosure will be set forth in the detailed description which follows, or in part will be obvious from the description, or may be learned by practice of the disclosure.

According to an aspect of an embodiment of the present disclosure, there is provided an information processing method including: responding to a trigger instruction, acquiring first service information corresponding to a target user in a charging period, wherein the transaction corresponding to the first service information occupies a free amount and the transaction state is failure; acquiring second service information and a service fee charging rule corresponding to the target user in the charging period, and determining the amount of the service fee to be returned according to the second service information, the service fee charging rule and the first service information, wherein the second service information comprises service information of which the transaction state is successful; and returning the service charge amount to be returned to the account of the target user, and displaying refund prompt information containing the service charge amount to be returned in a graphical user interface of the terminal equipment of the target user.

According to an aspect of an embodiment of the present disclosure, there is provided an information processing apparatus including: the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring first service information corresponding to a target user in a charging period, the first service information occupies a free amount and the transaction state is failure; the calculation module is used for acquiring second service information and a service fee charging rule corresponding to the target user in the charging period, and determining the amount of the service fee to be returned according to the second service information, the service fee charging rule and the first service information, wherein the second service information comprises service information of which the transaction state is successful; and the prompting module is used for returning the service charge amount to be returned to the account of the target user and displaying refund prompting information containing the service charge amount to be returned in a graphical user interface of the terminal equipment of the target user.

In some embodiments of the present disclosure, based on the foregoing solution, the obtaining module includes: the acquisition unit is used for acquiring first transaction information of all transactions of which the transaction states are failure in the charging period; the screening unit is used for screening the first transaction information according to the identification information of the target user so as to obtain second transaction information of all transactions of which the transaction states corresponding to the target user are failure; the judging unit is used for judging whether the transaction corresponding to the second transaction information occupies the free amount according to the transaction amount, the service fee and the service fee rate in the second transaction information; and the filtering unit is used for filtering the transaction information which does not occupy the free quota so as to acquire the transaction information which occupies the free quota as the first service information.

In some embodiments of the present disclosure, based on the foregoing, the calculating module includes: the first calculation unit is used for determining the amount of the overflowed service fee according to the second service information and the service fee charging rule; and the second calculation unit is used for determining the amount of the service charge to be returned according to the amount of the overflowed service charge and the first service information.

In some embodiments of the present disclosure, based on the foregoing scheme, the second service information includes a total service fee amount paid by the target user and a total transaction success amount of all transactions whose transaction statuses are successful; the service fee charging rule comprises a free amount and a service fee rate.

In some embodiments of the present disclosure, based on the foregoing scheme, the first calculation unit includes: the third calculating unit is used for determining the amount of the receivable service charge according to the total transaction success amount, the free amount and the service charge rate; and the fourth calculation unit is used for determining the amount of the overflowed service fee according to the total service fee amount and the receivable service fee amount.

In some embodiments of the present disclosure, based on the foregoing, the second computing unit is configured to: determining the amount of a target service fee according to the transaction amount, the free amount and the service fee rate in the first service information; and taking the minimum amount in the overflowing service fee amount and the target service fee amount as the service fee amount to be returned.

In some embodiments of the present disclosure, based on the foregoing scheme, the determining unit is configured to: dividing the service fee in the second transaction information by the service fee rate to obtain a target transaction amount with the service fee deducted; comparing the transaction amount with the target transaction amount; if the transaction amount is equal to the target transaction amount, the transaction corresponding to the second transaction information does not occupy the free amount; and if the transaction amount is larger than the target transaction amount, the transaction corresponding to the second transaction information occupies the free amount.

In some embodiments of the present disclosure, based on the foregoing scheme, the third computing unit is configured to: subtracting the total successful transaction amount from the free amount to obtain a difference amount, wherein the difference amount is greater than or equal to zero; and multiplying the difference amount by the service fee rate to obtain the commission charge amount to be charged. The fourth calculation unit is configured to: and subtracting the sum of the total service fee from the amount of the service fee to be charged to obtain the amount of the overflowed service fee.

In some embodiments of the present disclosure, based on the foregoing solution, the prompting module includes: the information forming unit is used for forming refund prompt information according to the service fee amount to be returned after returning the service fee amount to be returned to the account of the target user; and the information sending unit is used for sending an information notification request to an information interaction platform so that the information interaction platform sends the refund prompt information to the terminal equipment and displays the refund prompt information in a graphical user interface of the terminal equipment.

In some embodiments of the present disclosure, based on the foregoing scheme, the information sending unit is configured to: and the information interaction platform responds to the information notification request and sends the refund prompt information to the user account of the target user through the public account of the information interaction platform.

In some embodiments of the present disclosure, based on the foregoing scheme, the trigger instruction is an instruction generated by the target user performing a trigger operation on a target control in the graphical user interface or an instruction generated by a timing trigger device.

In some embodiments of the present disclosure, based on the foregoing scheme, the information processing apparatus may be further configured to: and after returning the service charge amount to be returned to the account of the target user, updating the total service charge amount corresponding to the target user according to the service charge amount to be returned.

According to an aspect of the embodiments of the present disclosure, there is provided a computer-readable storage medium on which a computer program is stored, the program, when executed by a processor, implementing the information processing method according to the embodiments described above.

According to an aspect of an embodiment of the present disclosure, there is provided a computer device including one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to execute the information processing method according to the above embodiment.

In the technical scheme provided by the embodiment of the disclosure, first service information, second service information and a service fee charging rule corresponding to a target user in a charging period are obtained, wherein the first service information is information corresponding to a transaction which occupies a free amount and has a failed transaction state, the second service information comprises information corresponding to all transactions which have successful transaction states and also comprises total service fee amounts corresponding to all transactions, and the service fee charging rule comprises the free amount and a service fee rate; then, the amount of the service charge to be returned to the user can be determined according to the first service information, the second service information and the service charge charging rule; and finally, returning the service fee amount to be returned to the account of the target user, and displaying refund prompt information in a graphical user interface of the terminal equipment of the target user in a message reminding manner. The technical scheme disclosed by the invention can effectively compensate the economic loss of the user, ensure that the service fee actually paid by the user is consistent with the service fee to be paid according to the amount of successful transaction, and simultaneously can reach the user by a message, so that the user can master the account dynamic state in time, and further improve the user experience.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure. It is to be understood that the drawings in the following description are merely exemplary of the disclosure, and that other drawings may be derived from those drawings by one of ordinary skill in the art without the exercise of inventive faculty. In the drawings:

FIG. 1 shows an architectural diagram of a network system to which one embodiment of the present disclosure is applied;

FIGS. 2A-2C are schematic diagrams illustrating an interface for compensating free credits in the related art;

FIG. 3 schematically shows a flow diagram of an information processing method according to one embodiment of the present disclosure;

fig. 4 schematically shows a flowchart for acquiring first service information according to an embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow chart for determining whether a transaction occupies a free amount according to a transaction amount, a service fee and a service fee rate according to an embodiment of the present disclosure;

6A-6B schematically illustrate interface diagrams for a user to trigger a target control to generate a trigger instruction according to one embodiment of the present disclosure;

FIG. 7 schematically illustrates a flow diagram for obtaining an amount of an overrun service charge, according to one embodiment of the present disclosure;

8A-8B schematically illustrate interface diagrams of a message reach user, according to one embodiment of the present disclosure;

FIG. 9 schematically illustrates an interaction flow diagram for refunding a service charge, according to one embodiment of the disclosure;

FIG. 10 schematically illustrates a flow diagram for refunding a user service fee, according to one embodiment of the present disclosure;

fig. 11 schematically shows a block diagram of an information processing apparatus according to an embodiment of the present disclosure;

FIG. 12 illustrates a schematic structural diagram of a computer system suitable for use with the computer device used to implement the embodiments of the present disclosure.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.

Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the disclosure. One skilled in the relevant art will recognize, however, that the subject matter of the present disclosure can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations, or operations have not been shown or described in detail to avoid obscuring aspects of the disclosure.

The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.

The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.

Fig. 1 shows a schematic diagram of an exemplary system architecture to which the technical solutions of the embodiments of the present disclosure may be applied.

As shown in fig. 1, the network system 100 includes a terminal apparatus 101, a network 102, a first server 103, a second server 104, and a third server 105. The terminal device 101 is a terminal device used by a user, and may specifically be a device such as a tablet computer, a smart phone, a notebook computer, and the like, and the user may send a corresponding request, such as a payment request, an inquiry request, an information viewing request, and the like, through the terminal device 101; the network 102 is used to provide wired or wireless communication links between any two of the terminal apparatus 101, the first server 103, the second server 104, and the third server 105; the first server 103 is a server corresponding to a payment platform for payment of repayment; the second server 104 is a server corresponding to a service provider providing specific services to the user; the third server 105 is a server corresponding to an information interaction platform for sending refund prompt information to the terminal device 101 of the user in response to the information notification request; the

servers

103, 104, and 105 may be independent servers, or may be a server cluster including a plurality of servers.

It should be understood that the number of terminal devices, networks, first servers, second servers, and third servers in fig. 1 are merely illustrative. There may be any number of terminal devices, networks, first servers, second servers, and third servers, as desired.

In one embodiment of the present disclosure, a user initiates a payment request through the terminal device 101, the payment request is transmitted to the first server 103 through the network 102, after receiving the payment request, the first server 103 connects to the corresponding second server 104 according to the service provider in the payment request, and draws a corresponding amount of funds from the account of the user to the account of the service provider according to the payment amount in the payment request. When repayment transaction occupies a free amount and fails, and service charge is required to be compensated and returned, first service information which fails in transaction and occupies the free amount in a charging period can be obtained from a database, and second service information and a service charge charging rule of a user can be obtained from the database at the same time, wherein the second service information comprises the amount of service charge paid by the user for all transactions and information of transactions with successful transaction states, and the service charge charging rule mainly comprises the free amount and charges service charge according to the service charge rate when the transaction amount exceeds the free amount; then, calculating the amount of the service charge to be returned which needs to be returned to the user according to the first service information, the second service information and the service charge charging rule; after determining the amount of the service charge to be returned, the payment platform, that is, the first server 103, may return the amount of the service charge to be returned to the account of the user; finally, the user can be contacted with a message, that is, a message sending request is sent to the third server 105 through the first server 103, so that refund prompting information is sent to the terminal device 101 of the user through the third server 105, and the user is guaranteed to know the transaction dynamics and the fund movement in time. In the embodiment of the disclosure, fund transaction can be performed through the information interaction platform with the payment function, and related transaction information and refund prompt information are sent to the user account of the user through the public account of the information interaction platform. The information processing method in the embodiment of the disclosure can timely process the condition that the actually collected service fee is inconsistent with the service fee to be collected due to the transaction failure and the transaction occupying the free amount, thereby avoiding economic loss of the user; on the other hand, the user can be touched by the message, the transaction details can be informed to the user in time, and the user experience is further improved; on the other hand, the information processing method in the embodiment of the disclosure uses the failure transaction record occupying the free amount as the trigger point, so that the data processing amount of the system can be effectively reduced, the compensation is only performed for the user who has the transaction failure record occupying the free amount in the current charging period, the data processing purpose of the system is more accurate, and the probability of hitting the target user is greatly improved.

Taking credit card repayment as an example, when repayment is usually performed through a payment platform, the payment platform can evaluate the user grade according to the attribute information of the user and allocate corresponding free amount, when repayment is performed by the user, the payment platform judges whether to collect service fee according to the free amount and the repayment amount, specifically, in a charging period, when the repayment amount of the user does not exceed the free amount, the payment platform cannot collect service fee, and when the repayment amount of the user exceeds the free amount, the payment platform can collect corresponding service fee. For the transaction occupying free amount, if the transaction fails, the situation that the service fee is paid more in the subsequent transaction of the user is caused, so that the more deducted service fee needs to be returned to the user account to effectively compensate the user.

In the related art in this field, if there is a failure in the above transaction occupying the free amount, the payment platform will usually compensate the user by returning the free amount, fig. 2A-2C show an interface schematic diagram for compensating the free amount, the free amount allocated to the user by the payment platform is 1 yuan, and when the free amount is exceeded, the service fee is charged according to the service fee rate of 1%, as shown in fig. 2A, the user makes a payment transaction through the payment platform for the first time in the charging period, and pays 1 yuan to bank a, and the payment amount does not exceed the free amount, so the service fee is not charged, but the transaction is failed, that is, the transaction is a failure transaction occupying the free amount; since the free amount is occupied, the service fee is charged according to the transaction amount in the following repayment transaction, as shown in fig. 2B, when the user repays 1 yuan to the B bank, the service fee of 0.1 yuan is charged, that is, 1.10 yuan is paid out altogether. Therefore, the first repayment is failed, but the first repayment occupies a free amount, so that the user pays the service fee in the second repayment. In order to compensate the loss of the user, the free amount not enjoyed by the user is compensated for the user, as shown in fig. 2C, when the user pays for the third time in the charging period, the free amount can be repacked to the user, so that the user can enjoy the free amount during the third repacking.

Although the mode in the related art compensates the free amount occupied by the user, if the user does not continue to transact in the charging period, the loss of the user is directly caused, so that the service fee actually paid by the user is higher than the amount of the service fee to be paid according to the amount of successful transaction, and the user experience of the user when using the payment platform is reduced.

To solve the problems in the related art, the embodiments of the present disclosure provide an information processing method, which is a generic term based on a Cloud technology, and a Cloud technology (Cloud technology) is based on a network technology, an information technology, an integration technology, a management platform technology, an application technology, and the like applied in a Cloud computing business model, and can form a resource pool, be used as needed, and be flexible and convenient. Cloud computing technology will become an important support. Background services of the technical network system require a large amount of computing and storage resources, such as video websites, picture-like websites and more web portals. With the high development and application of the internet industry, each article may have its own identification mark and needs to be transmitted to a background system for logic processing, data in different levels are processed separately, and various industrial data need strong system background support and can only be realized through cloud computing.

Cloud computing (cloud computing) is a computing model that distributes computing tasks over a pool of resources formed by a large number of computers, enabling various application systems to obtain computing power, storage space, and information services as needed. The network that provides the resources is referred to as the "cloud". Resources in the "cloud" appear to the user as being infinitely expandable and available at any time, available on demand, expandable at any time, and paid for on-demand.

As a basic capability provider of cloud computing, a cloud computing resource pool (called as an ifas (Infrastructure as a Service) platform for short is established, and multiple types of virtual resources are deployed in the resource pool and are selectively used by external clients.

According to the logic function division, a PaaS (Platform as a Service) layer can be deployed on an IaaS (Infrastructure as a Service) layer, a SaaS (Software as a Service) layer is deployed on the PaaS layer, and the SaaS can be directly deployed on the IaaS. PaaS is a platform on which software runs, such as a database, a web container, etc. SaaS is a variety of business software, such as web portal, sms, and mass texting. Generally speaking, SaaS and PaaS are upper layers relative to IaaS.

Cloud processing is generally applied to the field of Big data, Big data (Big data) refers to a data set which cannot be captured, managed and processed by a conventional software tool within a certain time range, and is a massive, high-growth-rate and diversified information asset which can have stronger decision-making power, insight discovery power and flow optimization capability only by a new processing mode. With the advent of the cloud era, big data has attracted more and more attention, and the big data needs special technology to effectively process a large amount of data within a tolerance elapsed time. The method is suitable for the technology of big data, and comprises a large-scale parallel processing database, data mining, a distributed file system, a distributed database, a cloud computing platform, the Internet and an extensible storage system.

The disclosed embodiments provide an information processing method, which is executed by a computer device, including but not limited to a server or a terminal. The information processing method can be applied to a payment platform, such as the first server 103 shown in fig. 1, and can be used in any situation where a transaction is conducted through the payment platform and free credit lines exist during the transaction, such as credit card repayment, living fee payment, article mailing, cross-platform payment and the like through the payment platform. Taking a credit card payment through a payment platform as an example, fig. 3 schematically shows a flowchart of an information processing method according to an embodiment of the present disclosure, and referring to fig. 3, the information processing method at least includes steps S310 to S330, which are executed by a computer device and described in detail as follows:

in step S310, in response to a trigger instruction, first service information corresponding to a target user in a charging period is obtained, where a transaction corresponding to the first service information occupies a free amount and the transaction status is failure.

In one embodiment of the disclosure, a user performs credit card repayment transaction through a payment platform, the transaction status is successful if the transaction status fails, and for the transaction which fails and occupies free amount, the information of the transaction needs to be screened out to determine the amount of the service charge to be returned which needs to be returned to the user. Generally, the repayment period of the credit card is one month, the next month repayment is consumed in the current month, for example, the bill date is 10 # per month, the repayment date is 20 # per month, then all the consumption amounts from the first day after the last month bill date to the current month bill date, that is, all the consumption amounts from the last month 11 # to the current month 10 # are counted together, and the repayment is performed in the current month 20 day, then the operation of repayment performed by the user through the payment platform is basically periodic, that is, the user needs to perform one or more repayment transactions through the payment platform every month. Of course, the period includes, but is not limited to, a month, and other time periods are also possible, which are not specifically limited by the embodiments of the present disclosure. Correspondingly, according to the repayment period, the payment platform determines a charging period, and carries out grade evaluation on the user according to the attribute information of the user, and further distributes a free quota in a proper charging period for the user according to the grade of the user. For example, if the user has no business or students, the number of credit cards is small, and the card amount is low, the user mark can be classified as a general user, and the general user is assigned a low free amount, such as a free amount of 2000 yuan or 3000 yuan per month; if the user works stably and income is high, the historical repayment amount of the credit card of the user is large, or the credit card grade of the user is high, the user can be marked as a VIP user, and a high free amount is allocated to the VIP user, for example, 5000 yuan, 7000 yuan and the like can be enjoyed every month, although the above-mentioned manner of rating the user and the setting of the free amount are only exemplary, and the embodiment of the disclosure is not limited thereto.

In an embodiment of the disclosure, all the repayment records of the user may be recorded in the database, and when it is required to acquire repayment transaction information that is a first service information and that has a transaction status corresponding to the target user that is failure and occupies a free amount, all the repayment records in the database may be screened and acquired according to the transaction status after responding to the trigger instruction.

Fig. 4 is a schematic flowchart illustrating a process of acquiring first service information, and as shown in fig. 4, in step S401, first transaction information of all transactions whose transaction statuses are failure in a charging period is acquired; in step S402, screening the first transaction information according to the identification information of the target user to obtain second transaction information of all transactions whose transaction states corresponding to the target user are failures; in step S403, whether the transaction corresponding to the second transaction information occupies a free amount is determined according to the transaction amount, the service fee and the service fee rate in the second transaction information; in step S404, the transaction information that does not occupy the free amount is filtered to obtain the transaction information that occupies the free amount as the first service information.

In one embodiment of the present disclosure, the first transaction information and the second transaction information each include information such as a transaction amount, a free amount, a service fee to be charged, and a service fee rate. The identification information of the target user can be a user name of the target user when the target user registers on the payment platform, an identity card number of the target user, or other identification information uniquely corresponding to the target user. In step S403, whether the transaction corresponding to the second transaction information occupies the free amount can be determined according to the transaction amount, the service fee and the service fee rate, fig. 5 shows a flowchart of determining whether the transaction occupies the free amount according to the transaction amount, the service fee and the service fee rate, as shown in fig. 5, in step S501, the service fee in the second transaction information is divided by the service fee rate to obtain the target transaction amount with the service fee deducted; in step S502, the transaction amount is compared with the target transaction amount; in step S503, if the transaction amount is equal to the target transaction amount, the transaction does not occupy the free amount; in step S504, if the transaction amount is greater than the target transaction amount, the transaction occupies a free amount.

The calculation formula corresponding to the flowchart shown in fig. 5 is shown in formula (1), and specifically as follows:

A₁＝P-(F/R) (1)

wherein A is₁The free amount occupied by the transaction, P is the transaction amount, F is the service fee, and R is the service fee rate. For example, the transaction amount is 2000 yuan, the service fee is 2 yuan, the service fee rate is 1 ‰, and the occupied free credit is 0 calculated according to the formula (1), that is, the transaction does not occupy the free credit; the transaction amount is 3000 yuan, the service fee is 2 yuan, the service fee rate is 1 per thousand, and the free credit of the transaction amount is 1000 yuan, namely the free credit of the transaction amount of 1000 yuan can be obtained according to the formula (1).

It should be noted that, in step S402, the second transaction information obtained by screening may include one or more sets of transaction data corresponding to the transaction with the failure transaction status, and when the second transaction information includes a plurality of sets of transaction data corresponding to the transaction with the failure transaction status, the second transaction information needs to be calculated according to the transaction amount, the service fee, and the service fee rate in each set of transaction data, so as to determine whether each transaction occupies a free amount.

In an embodiment of the present disclosure, the trigger instruction may be from a user or from a system, and specifically, the trigger instruction may be an instruction generated by a target user performing a trigger operation on a target control in a graphical user interface, or an instruction generated by a timing trigger device at a set time. 6A-6B show interface schematic diagrams of a user triggering a target control to generate a triggering instruction, a target control 601 is arranged in a graphical user interface of a terminal device, the target control 601 may be an inquiry button and is used for sending a historical transaction inquiry request to a payment platform, when the payment platform receives the historical transaction inquiry request, a transaction record in a database may be read, and a transaction with a failed transaction state is processed, as shown in FIG. 6A, the user may input a specific inquiry time period, and then click the inquiry control to inquire the historical transaction record and obtain first transaction information; the target control 601 may also be a payment confirmation button, configured to send a payment request to a payment platform, after receiving the payment request, the payment platform may transfer money according to a transaction amount and service provider information in the payment request, and may query a transaction record of a user, and when finding that the transaction state is the failed transaction information, process the transaction information, as shown in fig. 6B, after the user selects a target payment bank and inputs the payment amount, click the payment confirmation button, and the payment platform transfers funds of a corresponding amount from the user account to the target payment bank, and meanwhile obtains a historical transaction record of which the transaction state is the failure, that is, first transaction information from the database.

In step S320, second service information and a service fee charging rule corresponding to the target user in the charging period are obtained, and the amount of the service fee to be returned is determined according to the second service information, the service fee charging rule and the first service information.

In an embodiment of the present disclosure, in order to determine the amount of the service fee to be returned, the total amount of successful transactions in the charging period of the target user, that is, the total transaction successful amount, and the total service fee amount that is cumulatively paid by the target user need to be obtained, where the total transaction successful amount and the total service fee amount are the second service information corresponding to the target user. The total successful transaction amount can be determined by acquiring service information of payment transaction with successful transaction state in all transactions performed in the charging period and according to the payment amount in the service information; the total service fee amount is determined according to the service fee charged by the payment transaction with successful transaction and the service fee charged by the payment transaction with failed transaction. Different users correspond to different service fee charging rules, so the service fee charging rule corresponding to the target user needs to be obtained, and the service fee charging rule comprises a free amount and a service fee rate.

In an embodiment of the disclosure, after the first service information, the second service information and the service charge charging rule which occupy free quota and the transaction state is failure are obtained, the amount of the service charge to be returned can be determined according to the first service information, the second service information and the service charge charging rule. Specifically, the amount of the service fee to be returned may be determined according to the second service information and the service fee charging rule, and then determined according to the amount of the service fee to be overflowed and the first service information.

In one embodiment of the disclosure, when determining the amount of the overflowed service charge according to the second service information and the service charge charging rule, the amount of the service charge to be charged is first determined according to the total transaction success amount, the exemption amount and the service charge rate, and then the amount of the overflowed service charge is determined according to the total service charge amount and the service charge to be charged. FIG. 7 is a schematic diagram illustrating a process of obtaining the amount of the overflowed service fee, as shown in FIG. 7, in step S701, the total transaction success amount is subtracted from the free amount to obtain a difference amount; in step S702, the difference amount is multiplied by the service charge rate to obtain the receivable charge amount; in step S703, the total service charge amount is subtracted from the receivable service charge amount to obtain an overflowed service charge amount. It is noted that, in step S701, the obtained difference amount is greater than or equal to zero, that is, when the total transaction success amount is greater than the free amount, a difference amount greater than zero may be obtained; when the total successful transaction amount is equal to the free amount, the difference amount is zero; when the total successful transaction amount is less than the free amount, the difference amount is also zero instead of a negative value.

The process of calculating the amount of the overflowed service fee shown in fig. 7 can be converted into formula (2), which is specifically as follows:

P_y＝P_m-(P_t-A)*R (2)

wherein, P_yFor the purpose of overflowing the amount of service charge, P_mFor the total service charge amount, P_tFor the total successful transaction amount, A is the free amount of the target user, and R is the service fee rate. For example, if the total service charge amount is 10 yuan, the total successful transaction amount is 3000 yuan, the free amount is 2000 yuan, and the service charge rate is 2%, the excessive service charge amount is 8 yuan calculated according to the formula (2); if the total service charge amount is 10 yuan, the total transaction success amount is 1000 yuan, the free amount is 2000 yuan, and the service charge rate is 2 per thousand, the excessive service charge amount is 10 yuan calculated according to the formula (2).

In one embodiment of the disclosure, after the determination of the overflowed service charge amount, the amount of the service charge to be returned may be determined according to the overflowed service charge amount and the first service information. Specifically, a target service charge amount, which is an exempted service charge corresponding to a transaction occupying a free amount, may be determined according to a transaction amount, an exemption amount, and a service charge rate in the first service information, and then a minimum amount, which is a to-be-returned service charge amount, that is, a to-be-returned service charge amount of min (an overflowed service charge amount, a target service charge amount), may be selected from the overflowed service charge amount and the target service charge amount.

For example, the user a performs three repayment transactions in the charging period, the specific information of the three repayment transactions is shown in table 1, meanwhile, the free amount of the user a in the charging period is 2000 yuan, the service fee rate is 2% per thousand, and table 1 shows as follows:

TABLE 1 repayment transaction information

Firstly, according to the formula (1), it can be determined that the first repayment transaction occupies all free lines, the second repayment transaction and the third repayment transaction do not occupy the free lines, the total successful transaction amount is 5000 yuan, the total service fee amount is 10 yuan, according to the formula (2), the overflowed service fee amount is 4 yuan, meanwhile, according to the transaction amount and the service fee rate in the first repayment transaction, the target service fee amount can be determined to be 4 yuan, and then the service fee amount to be returned can be determined to be 4 yuan.

It should be noted that, if there are multiple transactions that fail and occupy the free amount in the charging period, the amount of the service charge to be returned can be determined one by one according to the transaction information of each transaction, that is, the amount of the service charge to be returned is the same as the amount of the transactions that fail and occupy the free amount.

For example, the user B performs three repayment transactions in the charging period, the specific information of the three repayment transactions is shown in table 2, meanwhile, the free amount of the user B in the charging period is 2000 yuan, the service fee rate is 2% per thousand, and table 2 is as follows:

TABLE 2 repayment transaction information

According to the formula (1), the first payment transaction and the second payment transaction are both failed and occupy free amount, the total successful transaction amount is 2000 yuan, and the total service fee amount is 8 yuan. And when the amount to be returned is determined, calculating according to the transaction information of the first payment transaction and the second payment transaction respectively. When the amount to be returned is calculated according to the first payment transaction, firstly, the amount of the overflowed service charge can be obtained to be 8 yuan according to a formula (2), and meanwhile, the amount of the target service charge can be determined to be 2 yuan according to the transaction amount and the service charge rate in the first payment transaction, so that the amount of the service charge to be returned can be determined to be 2 yuan. When the amount to be returned is calculated according to the second repayment transaction, firstly, the amount of the overflowed service fee can be obtained as 8 yuan according to the formula (2), and meanwhile, the amount of the target service fee can be determined as 2 yuan according to the transaction amount and the service fee rate in the second repayment transaction, so that the amount of the service fee to be returned can be determined as 2 yuan, namely, the amount of the service fee to be returned is returned to the target user as 4 yuan in total. After determining the amount of the service fee to be returned according to the first payment transaction and the second payment transaction, the user can be respectively returned and touched with the message, or the user can be returned and touched with the message after determining the accumulated amount of the service fee to be returned.

In step S330, the amount of the service charge to be refunded is returned to the account of the target user, and refund prompt information including the amount of the service charge to be refunded is displayed in a graphical user interface of the terminal device of the target user.

In an embodiment of the present disclosure, after determining the amount of the service charge to be returned, the payment platform may return the amount of the service charge to be returned to the account of the target user, where the account is usually an account used for repayment at that time, and only needs to return the amount as is, and of course, the account may also be another user account, for example, the payment platform may send a prompt message to the terminal device of the target user, and prompt the target user to log in the payment platform and extract the amount of the service charge to be returned to a new account submitted by the target user.

In one embodiment of the present disclosure, after returning the pending refund service charge amount to the user's account, the user may be reached with a message to prompt the user for relevant refund information. Specifically, refund prompt information can be formed according to the amount of the service fee to be refunded, and then an information notification request is sent to the information interaction platform, so that the information interaction platform responds to the information notification request, sends the refund prompt information to the terminal device of the target user, and displays the refund prompt information in the graphical user interface of the terminal device. Further, the information interaction platform can send the refund prompt information to the user account of the target user through the public account. Fig. 8A-8B illustrate interface diagrams of a message reach user, where as shown in fig. 8A, a chat interface is displayed on a graphical user interface of a terminal device of a target user, a refund prompting message is displayed in the chat interface, and when the target user clicks and opens the refund prompting message, specific content of the refund prompting message is presented on the graphical user interface, and as shown in fig. 8B, the refund prompting message may specifically include refund information such as a refund amount, a refund reason, and a time of arrival. In the embodiment of the present disclosure, the refund prompt message may also be sent in other message contact manners, for example, after the refund prompt message is formed, a short message is sent to the communication device of the target user according to the phone number filled when the target user registers the account in the payment platform, so as to inform the target user of the refund message.

In one embodiment of the present disclosure, the user account and the information interaction platform may be integrated, that is, the information interaction platform may be compatible with social contact and payment functions, such as wechat, QQ, and other social products, and may receive refund service fees through an electronic wallet in the product, and may send refund prompt information to the social account of the user through a public number when a message reaches the user.

In an embodiment of the present disclosure, in order to improve data processing efficiency, information such as a transaction record of a user, a free amount that the user can enjoy in a charging period, and the like may be stored in different databases in an embodiment of the present disclosure, for example, the transaction record of the user may be stored in a first database, the free amount that the user can enjoy in the charging period may be stored in a second database, types of the first database and the second database may be the same or different, for example, the first database may be a cloud database, the second database may be a CKV distributed database, and the like. Fig. 9 shows an interaction flowchart of refunding the service fee, as shown in fig. 9, in step S901, a refund unit in the payment platform sends an information extraction request to the first database in response to a trigger instruction; in step S902, the first database responds to the information extraction request, and returns transaction failure records of which all transaction states are failure in the charging period to the refund unit; in step S903, the transaction failure records are filtered, and the transaction failure records without free quota are filtered out; in step S904, determining all transaction failure records occupying free quota in the charging period corresponding to the target user according to the user identification information; in step S905, the refund unit sends a transaction record query request to the first database according to the user identification information; in step S906, the first database responds to the transaction record query request, and feeds back the total service fee amount of the accumulated payment of the target user and the total transaction success amount of all the transactions for which the transactions are successful to the refund unit; in step S907, the refund unit sends an information query request to the second database to query the free amount of the target user; in step S908, the second database responds to the information query request, and feeds back the free amount and the service fee rate within the charging period corresponding to the target user to the refund unit; in step S909, the amount of the service charge to be returned is calculated based on the total transaction success amount, the total service charge amount, the free amount, the service charge rate, and each transaction failure record; in step S910, the refund unit forms a refund request according to the amount of the service fee to be refunded, and sends the refund request to the payment unit; in step S911, the payment unit transfers funds to a user account according to the amount of the service fee to be returned, and receives a transaction status fed back from the user account; in step S912, after the user account successfully receives the refund, the payment unit sends a refund success message to the refund unit; in step S913, the refund unit forms refund prompting information according to the service fee amount to be refunded, and sends the refund prompting information to the information interaction platform; in step S914, the information interaction platform sends a refund prompting message to the user account of the target user through the public account; in step S915, the terminal device of the target user successfully receives and displays the refund prompting message on the graphical user interface, and simultaneously feeds back the reception success information to the information interaction platform; in step S916, the information interaction platform feeds back the sending success information to the refund unit. It should be noted that the order of some of the above steps may be changed, for example, step S904 may obtain the transaction failure information corresponding to the target user according to the user identification information before step S903, and then perform filtering to obtain the transaction failure information corresponding to the target user and occupying a free amount.

In an embodiment of the present disclosure, after the refund and the message reach are completed, the total commission amount may be updated, specifically, the total commission amount may be updated according to the service fee amount to be refunded, and then the updated total commission amount is written into the first database. Accordingly, the interaction diagram of fig. 9 may further include: in step S917, the total commission amount is updated according to the amount of the service fee to be returned, and written into the first database; in step S918, the update success information fed back by the first database is received.

The information processing method in the embodiment of the disclosure can be applied to any scene of payment through a payment platform and existence of free quota in a charging period, such as payment of living expenses of water, electricity and gas and the like, cross-platform transfer and the like.

Taking the example of paying the living expenses through the payment platform, the user pays the living expenses to service organizations such as an electric power company, a gas company and the like through the payment platform every month, the payment platform evaluates the user grade according to the attribute information of the user, and distributes corresponding free quota according to the user grade obtained by evaluation. When a user pays a living fee, the transaction may fail and occupy a free amount, so that the user cannot enjoy the free amount to pay more service fees when subsequently paying the fee, and the economic loss of the user is caused. In order to avoid the loss of the user, the service fee charged more needs to be returned to the user, fig. 10 shows a flow chart of the service fee returned to the user, as shown in fig. 10, in step S1001, a transaction failure record of all the transaction failures of the user in the current month is retrieved; in step S1002, calculating a free quota occupied by the transaction according to the transaction failure record; in step S1003, whether the transaction occupies a free amount is judged; in step S1004, a target transaction that occupies a free amount and fails to be traded is obtained; in step S1005, calculating the amount of the service fee to be exempted from the target transaction according to the free amount occupied by the target transaction and the service fee rate; in step S1006, inquiring the amount of money accumulated and successfully paid by the user in the month; in step S1007, the service charge amount accumulated in the month by the user is inquired; in step S1008, a free quota that the user can enjoy in the current month is queried; in step S1009, the service charge amount to be charged is calculated according to the accumulated payment success amount, the exemption amount, and the service charge rate; in step S1010, calculating an excessive service charge amount according to the accumulated paid service charge amount and the service charge amount to be charged; in step S1011, the minimum amount of the overflowed service charge amount and the service charge amount exempted from the target transaction is taken as the service charge amount to be refunded; in step S1012, returning the amount of the service fee to be returned to the user account; in step S1013, the message reaches the user. The information processing method in the embodiment of the disclosure can determine the amount of the service charge to be returned to the user, and return the refund of the corresponding amount to the user account, thereby effectively avoiding the user loss; meanwhile, the user can be touched by the message, so that the user can know the transaction details in time.

The information processing method in the embodiment of the disclosure firstly obtains first service information which is that all transactions of a user fail and occupy free lines in a charging period, second service information which comprises total successful transaction amount of all transactions of the user in the charging period and total service fee amount paid by the user in the charging period, and service fee charging rules corresponding to the user; then calculating the amount of the service charge to be returned to the user according to the first service information, the second service information and the service charge charging rule; and finally returning the service fee amount to be returned to the user account, and contacting the user with the message. On one hand, the information processing method in the embodiment of the disclosure can timely process the condition that the actually collected service fee is inconsistent with the service fee to be collected due to the transaction failure and the transaction occupying the free amount, thereby avoiding economic loss of the user; on the other hand, the user can be touched by the message, the transaction details can be informed to the user in time, and the user experience is further improved; on the other hand, the information processing method in the embodiment of the disclosure uses the failure transaction record occupying the free amount as the trigger point, so that the data processing amount of the system can be effectively reduced, the compensation is only performed for the user who has the transaction failure record occupying the free amount in the current charging period, the data processing purpose of the system is more accurate, and the probability of hitting the target user is greatly improved.

The following describes embodiments of the apparatus of the present disclosure, which may be used to execute the information processing method in the above embodiments of the present disclosure. For details that are not disclosed in the embodiments of the apparatus of the present disclosure, please refer to the above-mentioned information processing method of the present disclosure.

Fig. 11 schematically shows a block diagram of an information processing apparatus according to an embodiment of the present disclosure. The information processing apparatus may be a computer program (including program code) running in a computer device, for example, an application software; the apparatus may be used to perform the corresponding steps in the methods provided by the embodiments of the present application.

Referring to fig. 11, an information processing apparatus 1100 according to an embodiment of the present disclosure, the information processing apparatus 1100 includes: an acquisition module 1101, a calculation module 1102 and a prompt module 1103.

Specifically, the obtaining module 1101 is configured to obtain first service information corresponding to a target user in a charging period, where the first service information occupies a free amount and a transaction state is a failure; a calculating module 1102, configured to obtain second service information and a service fee charging rule corresponding to the target user in the charging period, and determine an amount of a service fee to be returned according to the second service information, the service fee charging rule, and the first service information, where the second service information includes service information that a transaction state is successful; a prompt module 1103, configured to return the amount of the service fee to be refunded to the account of the target user, and display refund prompt information including the amount of the service fee to be refunded in a graphical user interface of the terminal device of the target user.

In one embodiment of the present disclosure, the obtaining module 1101 includes: the acquisition unit is used for acquiring first transaction information of all transactions of which the transaction states are failure in the charging period; the screening unit is used for screening the first transaction information according to the identification information of the target user so as to obtain second transaction information of all transactions of which the transaction states corresponding to the target user are failure; the judging unit is used for judging whether the transaction corresponding to the second transaction information occupies the free amount according to the transaction amount, the service fee and the service fee rate in the second transaction information; and the filtering unit is used for filtering the transaction information which does not occupy the free quota so as to acquire the transaction information which occupies the free quota as the first service information.

In one embodiment of the present disclosure, the calculation module 1102 includes: the first calculation unit is used for determining the amount of the overflowed service fee according to the second service information and the service fee charging rule; and the second calculation unit is used for determining the amount of the service charge to be returned according to the amount of the overflowed service charge and the first service information.

In an embodiment of the present disclosure, the second service information includes a total service fee amount paid by the target user and a total transaction success amount of all transactions whose transaction statuses are successful; the service fee charging rule comprises a free amount and a service fee rate.

In one embodiment of the present disclosure, the first calculation unit includes: the third calculating unit is used for determining the amount of the receivable service charge according to the total transaction success amount, the free amount and the service charge rate; and the fourth calculation unit is used for determining the amount of the overflowed service fee according to the total service fee amount and the receivable service fee amount.

In one embodiment of the present disclosure, the second calculation unit is configured to: determining the amount of a target service fee according to the transaction amount, the free amount and the service fee rate in the first service information; and taking the minimum amount in the overflowing service fee amount and the target service fee amount as the service fee amount to be returned.

In one embodiment of the present disclosure, the determination unit is configured to: dividing the service fee in the second transaction information by the service fee rate to obtain a target transaction amount with the service fee deducted; comparing the transaction amount with the target transaction amount; if the transaction amount is equal to the target transaction amount, the transaction corresponding to the second transaction information does not occupy the free amount; and if the transaction amount is larger than the target transaction amount, the transaction corresponding to the second transaction information occupies the free amount.

In one embodiment of the present disclosure, the third calculation unit is configured to: subtracting the total successful transaction amount from the free amount to obtain a difference amount, wherein the difference amount is greater than or equal to zero; and multiplying the difference amount by the service fee rate to obtain the commission charge amount to be charged. The fourth calculation unit is configured to: and subtracting the sum of the total service fee from the amount of the service fee to be charged to obtain the amount of the overflowed service fee.

In an embodiment of the present disclosure, the prompting module 1103 includes: the information forming unit is used for forming refund prompt information according to the service fee amount to be returned after returning the service fee amount to be returned to the account of the target user; and the information sending unit is used for sending an information notification request to an information interaction platform so that the information interaction platform sends the refund prompt information to the terminal equipment and displays the refund prompt information in a graphical user interface of the terminal equipment.

In one embodiment of the present disclosure, the information sending unit is configured to: and the information interaction platform responds to the information notification request and sends the refund prompt information to the user account of the target user through the public account of the information interaction platform.

In an embodiment of the present disclosure, the trigger instruction is an instruction generated by the target user performing a trigger operation on a target control in the graphical user interface or an instruction generated by a timing trigger device.

In one embodiment of the present disclosure, the information processing apparatus 1100 may be further configured to: and after returning the service charge amount to be returned to the account of the target user, updating the total service charge amount corresponding to the target user according to the service charge amount to be returned.

It should be noted that the computer system 1200 of the computer device shown in fig. 12 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.

As shown in fig. 12, the computer system 1200 includes a Central Processing Unit (CPU)1201, which can perform various appropriate actions and processes according to a program stored in a Read-Only Memory (ROM) 1202 or a program loaded from a storage section 1208 into a Random Access Memory (RAM) 1203, and implements the image labeling method described in the above-described embodiment. In the RAM1203, various programs and data necessary for system operation are also stored. The CPU 1201, ROM 1202, and RAM1203 are connected to each other by a bus 1204. An Input/Output (I/O) interface 1205 is also connected to bus 1204.

The following components are connected to the I/O interface 1205: an input section 1206 including a keyboard, a mouse, and the like; an output section 1207 including a Display device such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage section 1208 including a hard disk and the like; and a communication section 1209 including a network interface card such as a LAN (Local area network) card, a modem, or the like. The communication section 1209 performs communication processing via a network such as the internet. A driver 1210 is also connected to the I/O interface 1205 as needed. A removable medium 1211, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like, is mounted on the drive 1210 as necessary, so that a computer program read out therefrom is mounted into the storage section 1208 as necessary.

In particular, the processes described below with reference to the flowcharts may be implemented as computer software programs, according to embodiments of the present disclosure. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 1209, and/or installed from the removable medium 1211. The computer program, when executed by a Central Processing Unit (CPU)1201, performs various functions defined in the system of the present disclosure. As an example, the program code for performing the methods illustrated in the flowcharts can be deployed to be executed on one computing device or on multiple computing devices located at one site, or distributed across multiple sites and interconnected by a communication network, which may constitute a block-chain system.

It should be noted that the computer readable medium shown in the embodiments of the present disclosure may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a Read-Only Memory (ROM), an Erasable Programmable Read-Only Memory (EPROM), a flash Memory, an optical fiber, a portable Compact Disc Read-Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present disclosure, a computer-readable signal medium may include a propagated data signal with computer-readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present disclosure may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.

As another aspect, the present disclosure also provides a computer-readable medium that may be contained in the image processing apparatus described in the above-described embodiments; or may exist separately and not be incorporated into the computer device. The computer readable medium carries one or more programs which, when executed by a computing device, cause the computing device to perform the method described in the embodiments.

It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.

Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. An information processing method characterized by comprising:

responding to a trigger instruction, acquiring first service information corresponding to a target user in a charging period, wherein the transaction corresponding to the first service information occupies a free amount and the transaction state is failure;

acquiring second service information and a service charge charging rule corresponding to the target user in the charging period, and determining the amount of the service charge to be returned according to the second service information, the service charge charging rule and the first service information;

and returning the service charge amount to be returned to the account of the target user, and displaying refund prompt information containing the service charge amount to be returned in a graphical user interface of the terminal equipment of the target user.

2. The information processing method according to claim 1, wherein the obtaining the first service information corresponding to the target user in the charging period comprises:

acquiring first transaction information of all transactions of which the transaction states are failure in the charging period;

screening the first transaction information according to the identification information of the target user to acquire second transaction information of all transactions of which the transaction states corresponding to the target user are failure;

judging whether the transaction corresponding to the second transaction information occupies the free amount or not according to the transaction amount, the service fee and the service fee rate in the second transaction information;

and filtering the transaction information which does not occupy the free quota to acquire the transaction information which occupies the free quota as the first service information.

3. The information processing method according to claim 1, wherein the determining an amount of the service charge to be returned based on the second service information, the service charge charging rule, and the first service information comprises:

determining the amount of the overflowed service fee according to the second service information and the service fee charging rule;

and determining the amount of the service charge to be returned according to the amount of the overflowed service charge and the first service information.

4. The information processing method according to claim 3, wherein the second service information includes a total service charge amount paid by the target user and a total transaction success amount of all transactions whose transaction statuses are successful; the service fee charging rule comprises a free amount and a service fee rate.

5. The information processing method of claim 4, wherein the determining the amount of the overflowed service fee according to the second service information and the service fee charging rule comprises:

determining the amount of the receivable service fee according to the total transaction success amount, the free amount and the service fee rate;

and determining the amount of the overflowed service fee according to the total service fee amount and the amount of the receivable service fee.

6. The information processing method of claim 4, wherein the determining the amount of the service charge to be refunded according to the amount of the overflowed service charge and the first service information comprises:

determining the amount of a target service fee according to the transaction amount, the free amount and the service fee rate in the first service information;

and taking the minimum amount in the overflowing service fee amount and the target service fee amount as the service fee amount to be returned.

7. The information processing method of claim 2, wherein the determining whether the transaction corresponding to the second transaction information occupies the free amount according to the transaction amount, the service fee and the service fee rate in the second transaction information comprises:

dividing the service fee in the second transaction information by the service fee rate to obtain a target transaction amount with the service fee deducted;

comparing the transaction amount with the target transaction amount;

if the transaction amount is equal to the target transaction amount, the transaction corresponding to the second transaction information does not occupy the free amount;

and if the transaction amount is larger than the target transaction amount, the transaction corresponding to the second transaction information occupies the free amount.

8. The information processing method of claim 5, wherein the determining an amount of a service charge receivable based on the total transaction success amount, the free amount, and the service charge rate comprises:

subtracting the total successful transaction amount from the free amount to obtain a difference amount, wherein the difference amount is greater than or equal to zero;

multiplying the difference amount by the service fee rate to obtain the commission amount to be charged;

determining the amount of the overflowed service fee according to the total service fee amount and the receivable service fee amount, wherein the determining of the overflowed service fee amount comprises the following steps:

and subtracting the sum of the total service fee from the amount of the service fee to be charged to obtain the amount of the overflowed service fee.

9. The information processing method according to claim 1, wherein the returning the amount of the service charge to be refunded to the account of the target user and displaying refund prompt information including the amount of the service charge to be refunded in a graphical user interface of a terminal device of the target user comprises:

after returning the service fee amount to be returned to the account of the target user, forming refund prompt information according to the service fee amount to be returned;

and sending an information notification request to an information interaction platform so that the information interaction platform sends the refund prompt message to the terminal equipment and displays the refund prompt message in a graphical user interface of the terminal equipment.

10. The information processing method according to claim 9, wherein the sending of the information notification request to the information interaction platform to cause the information interaction platform to send the refund prompt information to the terminal device includes:

and the information interaction platform responds to the information notification request and sends the refund prompt information to the user account of the target user through the public account of the information interaction platform.

11. The information processing method according to claim 1, wherein the trigger instruction is an instruction generated by the target user performing a trigger operation on a target control in the graphical user interface or an instruction generated by a timing trigger device.

12. The information processing method according to claim 1, characterized by further comprising:

and after returning the service charge amount to be returned to the account of the target user, updating the total service charge amount corresponding to the target user according to the service charge amount to be returned.

13. An information processing apparatus characterized by comprising:

the system comprises an acquisition module, a charging module and a processing module, wherein the acquisition module is used for acquiring first service information corresponding to a target user in a charging period, and the transaction corresponding to the first service information occupies a free amount and is in a failure state;

the calculation module is used for acquiring second service information and a service fee charging rule corresponding to the target user in the charging period, and determining the amount of the service fee to be returned according to the second service information, the service fee charging rule and the first service information, wherein the second service information comprises service information of which the transaction state is successful;

and the prompting module is used for returning the service charge amount to be returned to the account of the target user and displaying refund prompting information containing the service charge amount to be returned in a graphical user interface of the terminal equipment of the target user.

14. A computer-readable storage medium, characterized in that a computer program is stored thereon, which when executed by a processor implements the information processing method according to any one of claims 1 to 12.

15. A computer device, comprising:

one or more processors;

a storage device for storing one or more programs that, when executed by the one or more processors, cause the one or more processors to perform the information processing method according to any one of claims 1 to 12.