CN112184240A - Refund request processing method and device - Google Patents
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
Abstract
The invention discloses a refund request processing method and device, and relates to the technical field of computers. A specific implementation mode of the method comprises the steps of receiving a refund request, obtaining order information corresponding to the refund request, and calling a verification engine to determine that the order information passes verification; inquiring the account statement of the corresponding merchant according to the order information to obtain the residual settlement amount of the order payment running water; obtaining the refund amount of the refund request, calculating the amount of the refund to be paid by the merchant, further determining that the amount of the refund to be paid by the merchant is larger than the remaining settlement amount of the order payment running line, and opening a merchant account method transparent mark; and calling a refund interface, executing a refund program based on the amount to be refunded of the merchant, calling a clearing component after the refund is successful, and generating the refund excess detail according to a refund fund payment-padding mode in the merchant contract order. Therefore, the invention can solve the problem that the refund request caused by the real-time dynamic change of the refund commission fee can not be processed.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a refund request processing method and device.
Background
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art: at present, online transactions are more and more frequent, if the rate of the refund commission charge is 0.004 during payment, and the refund commission charge calculated by the receipt is calculated according to the real-time rate, the rate of the commission charge before refund is possibly reduced, so that the refund commission charge generated during refund is smaller than the refund commission charge during payment, and the amount returned from cash to the receipt during refund is possibly more than the settlement amount of an order, so that the cash balance is insufficient, and the refund request cannot be processed. Wherein the receipt is a system for making funds collection based on the transaction, such as calculating a fee at a rate based on the transaction receipt and transaction data.
Disclosure of Invention
In view of the above, embodiments of the present invention provide a refund request processing method and apparatus, which can solve the problem that a refund request cannot be processed due to real-time dynamic change of a refund fee.
In order to achieve the above object, according to an aspect of the embodiments of the present invention, a refund request processing method is provided, including receiving a refund request, obtaining order information corresponding to the refund request, and calling a verification engine to determine that the order information passes verification; inquiring the account statement of the corresponding merchant according to the order information to obtain the residual settlement amount of the order payment running water; obtaining the refund amount of the refund request, calculating the amount of the refund to be paid by the merchant, further determining that the amount of the refund to be paid by the merchant is larger than the residual settlement amount of the order payment running water, and opening a merchant account method transparent mark; and calling a refund interface, executing a refund program based on the amount to be refunded of the merchant, calling a clearing component after the refund is successful, and further generating the excess refund detail according to the refund fund payment underlay mode in the merchant contract order.
Optionally, invoking a verification engine to determine that the order information passes verification, including:
calling a verification engine to obtain order state information corresponding to the refund request, judging whether the order state information is in a non-payment success state, and if the order state information is in the non-payment success state, generating a message that the processing of the refund request fails; if not, judging whether the batch running state of the refund request is batch running, if so, generating a message that the refund request is accepted and requested to wait, and if not, executing a preset payment running water clearing state verification program.
Optionally, performing a payment pipelining clearing status check, comprising:
and if the payment flow clearing state in the order information comprises cleared sub-orders, performing accounting processing on the order to obtain each sub-order, and marking a refund mark on the sub-orders which are not cleared.
Optionally, determining that the order information passes verification includes:
obtaining the refund amount of the refund request, calling a refund interface, and checking the refund amount according to the refund amount checking mode field;
if the refund amount check mode field is checked in the account amount, the order refund amount and each sub-order refund amount are respectively smaller than or equal to the corresponding account amount and can be checked to pass; if the refund amount verification mode field is verified in the order amount, the order refund amount and each sub-order refund amount are respectively smaller than or equal to the corresponding order amount and can be verified to pass.
Optionally, before receiving the refund request, the method includes:
newly adding refund excess detail types in the detail types indicated by the clearing details of the database;
and adding a refund amount checking mode field and a legal transparent identification field in the refund interface.
Optionally, before receiving the refund request, the method further includes:
and configuring a legal pass-through mark for the merchant account when the merchant account is registered.
In addition, the invention also provides a refund request processing device, which comprises an acquisition module, a verification module and a processing module, wherein the acquisition module is used for receiving the refund request, acquiring the order information corresponding to the refund request and calling the verification engine to determine that the order information passes the verification; the processing module is used for inquiring the account statement of the corresponding merchant according to the order information and acquiring the residual settlement amount of the order payment running water; obtaining the refund amount of the refund request, calculating the amount of the refund to be paid by the merchant, further determining that the amount of the refund to be paid by the merchant is larger than the residual settlement amount of the order payment running water, and opening a merchant account method transparent mark; and calling a refund interface, executing a refund program based on the amount to be refunded of the merchant, calling a clearing component after the refund is successful, and further generating the excess refund detail according to the refund fund payment underlay mode in the merchant contract order.
Optionally, the step of determining that the order information passes the verification by calling a verification engine by the obtaining module includes:
calling a verification engine to obtain order state information corresponding to the refund request, judging whether the order state information is in a non-payment success state, and if the order state information is in the non-payment success state, generating a message that the processing of the refund request fails; if not, judging whether the batch running state of the refund request is batch running, if so, generating a message that the refund request is accepted and requested to wait, and if not, executing a preset payment running water clearing state verification program.
One embodiment of the above invention has the following advantages or benefits: the invention can adapt to the processing of the refund request of multi-scene excess pad payment, and completely eliminates the problems that the refund request is frequently processed wrongly and the refund can not be realized. Therefore, the invention not only enhances the service processing capability, but also improves the user experience.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
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The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic view of a main flow of a refund request processing method according to a first embodiment of the present invention;
FIG. 2 is a schematic diagram of a main flow of verification according to an embodiment of the invention;
FIG. 3 is a schematic diagram of the main modules of a refund request processing apparatus according to an embodiment of the present invention;
FIG. 4 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 5 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic view of a main flow of a refund request processing method according to a first embodiment of the present invention, as shown in fig. 1, the refund request processing method includes:
step S101, receiving a refund request, obtaining order information corresponding to the refund request, and calling a verification engine to determine that the order information passes verification.
In some embodiments, invoking a verification engine to determine that the order information is verified comprises:
calling a verification engine to obtain order state information corresponding to the refund request, judging whether the order state information is in a non-payment success state, and if the order state information is in the non-payment success state, generating a message that the processing of the refund request fails; if not, judging whether the batch running state of the refund request is batch running, if so, generating a message that the refund request is accepted and requested to wait, and if not, executing a preset payment running water clearing state verification program.
The batch processing is a processing program which does not need manual intervention and is used for efficiently processing a large amount of data.
In a further embodiment, performing a payment pipelining clearing status check includes:
and if the payment flow clearing state in the order information comprises cleared sub-orders, performing accounting processing on the order to obtain each sub-order, and marking a refund mark on the sub-orders which are not cleared.
In addition, the order information is confirmed to pass the verification, the refund amount of the refund request can be obtained, a refund interface is called, and the refund amount is verified according to the refund amount verification mode field. If the refund amount check mode field is checked in the account amount, the order refund amount and each sub-order refund amount are respectively smaller than or equal to the corresponding account amount and can be checked to pass; if the refund amount verification mode field is verified in the order amount, the order refund amount and each sub-order refund amount are respectively smaller than or equal to the corresponding order amount and can be verified to pass.
As an embodiment of the present invention, as shown in fig. 2, the implementation process for invoking the checking engine to determine that the order information passes the checking may include payment engineering check (pay) and clearing engineering check (qs). The payment engineering verification (pay) can comprise the steps of judging whether order state information is successful in payment after receiving a refund request, if so, sequentially judging whether an order refund amount and each sub-order refund amount are smaller than corresponding order amount balance (the condition of multiple refunds exists), and if so, failing in refund amount verification, and reporting a wrong refund; if the refund amount is less than or equal to the refund amount, the checking of the refund amount is successful, and the checking of a clearing project is carried out (qs).
Preferably, the refund interface may be invoked, and the refund amount is verified according to the refund amount verification mode field, that is, if the refund amount verification mode field is verified within the account amount, the order refund amount and each sub-order refund amount are respectively smaller than or equal to the corresponding account amount and can be verified to pass. If the refund amount verification mode field is verified in the order amount, the order refund amount and each sub-order refund amount are respectively smaller than or equal to the corresponding order amount and can be verified to pass.
Additionally, clearing the engineering checks (qs) may include: and checking the batch running state, the payment running state and the clearing state of each sub order in sequence. Specifically, whether the batch running state in the order information is batch running is judged, and if yes, a message that a refund has been accepted and is required to wait is returned; and if not, judging whether the payment flow clearing state in the order information comprises cleared sub-orders or not, if so, performing separate accounting processing on the order to obtain each sub-order, marking a refund mark on the sub-orders which are not cleared, and if not, executing a refund program on the order.
The batch running refers to the end-of-day batch processing, that is, a series of preset program operations (for example, the preset program is auditing, rechecking, and the like) executed by the bank at a fixed time every day. A batch status table may be provided to store the order information for the running batch.
And S102, inquiring the account statement of the corresponding merchant according to the order information, and acquiring the residual settlement amount of the order payment running water.
In an embodiment, the standing book is a virtual account, records the balance of the user in the bank, and is equivalent to a component, and the user can perform standing book (balance increase) and standing book (balance decrease) when making payment or refund. The refund amount is a refund amount recorded on the ledger, and the refund amount is an actual refund amount of the user. If the refund details change, the machine account refund amount may change.
One order can be paid only once, and the information paid once by the order is called payment flow. After the order is paid, the account is divided, and the amount of the divided account is called settlement amount. And the billing is to split the payment running water according to different merchant accounts.
Step S103, obtaining the refund amount of the refund request, calculating the amount of the refund to be made by the merchant, further determining that the amount of the refund to be made by the merchant is larger than the residual settlement amount of the order payment running line, and opening the account-based method transparent mark of the merchant.
Preferably, before receiving the refund request, a credit pass flag may be configured for the merchant account when the merchant account is registered.
In an embodiment, the refund amount may be obtained through the refund request, and then the current refund commission charge is calculated according to the current refund commission charge rate, and the amount to be refunded by the merchant is the refund amount plus the current refund commission charge. And if the amount of the to-be-refunded money of the merchant is larger than the remaining settlement amount of the order payment running line, opening a merchant standing book transparent mark, wherein the standing book refund preset amount is the merchant standing book refund amount. And if the amount of the to-be-refunded money of the merchant is less than or equal to the remaining settlement amount of the order payment running line, closing the account-standing method transparent mark of the merchant, and taking the account-standing refunded preset amount as the remaining settlement amount.
And if the account separation participant account accounts associated with the payment running water do not need to be refunded, closing the merchant account separation method transparent mark for the residual settlement amount of the payment running water in the account separation when the account separation refunds the preset amount. This is done to ensure that additional parties are charged more due to a refund from one party.
It should be noted that, if each sub-order in the refund request corresponds to a different merchant, the order of the refund request needs to be subjected to the account splitting processing to obtain each sub-order, then the current refund commission charge of each sub-order is calculated according to the refund amount of each sub-order, and further the amount of the merchant to be refunded corresponding to each sub-order is obtained. And then, the amount of money to be refunded of the merchant of each sub-order can be compared with the remaining settlement amount of the payment running line of the sub-order.
And step S104, calling a refund interface, executing a refund program based on the amount to be refunded of the merchant, calling a clearing component after the refund is successful, and further generating the excess refund detail according to the refund fund payment method in the merchant contract order.
In an embodiment, to enable generation of refund excess detail, a new type may be added in advance in the clearing detail table type (Dtl _ Tp) of the database: "5, refund excess detail" (shown in the table below), which is used to save the excess due to the balance of the merchant's ledger due to handling fees and the like when refunding.
It is worth noting that the refund interface may add two fields: a refund amount check mode field and a legal pass identification. The refund amount check mode has two values: (1) within the amount of the account: if the check-out amount is selected, the contract order is required to ensure that the refund amount is not greater than the check-in amount of the order. (2) Within the order amount: if the order amount is selected, the contract order is required to ensure that the refund amount is not greater than the order amount of the order.
Wherein, the legal transparent mark is used for marking excess, and has two values: permissive and non-permissive. If the allowed credit is over, the refund allowance is over, the contract order needs to transmit a credit mark to the standing book, the available balance of the standing book refund on the T +1 day can be a negative number, and T is the standing book clearing period of the merchant. If the excess is not allowed, the refund causes the available balance of the standing book T +1 day to be negative, and the error is reported back.
As an example, in executing step S104, a clearing component may be invoked, a clearing detail (possibly multiple) with a merchant number of refund excess merchant, a clearing date of refund T +1 day and a type of refund detail is generated, and the refund excess detail is generated according to a refund fund payment pad mode in the merchant contract order. The account amount to be credited and the credit amount of the refund excess detail are both excess portions at the time of initiation of the generation. The refund fund payment method includes: a guaranteed margin payment from the merchant, a pending settlement payment from the merchant, and the like.
After the refund excess detail is generated, the branch account detail summary of the merchant can be carried out in real time, namely, the excess detail is subtracted from the summary amount of the current merchant on the day T + 1. In addition, after the refund excess detail is generated, the refund real record is required to be completed, and after the real record is successful, the refund excess detail accounting state is updated to be the accounted state.
Fig. 3 is a schematic diagram of main blocks of a refund request processing apparatus according to an embodiment of the present invention, and as shown in fig. 3, the refund request processing apparatus 300 includes an acquisition module 301 and a processing module 302. The obtaining module 301 receives a refund request, obtains order information corresponding to the refund request, and calls a verification engine to determine that the order information passes verification; the processing module 302 queries the account statement of the corresponding merchant according to the order information to obtain the remaining settlement amount of the order payment flow; obtaining the refund amount of the refund request, calculating the amount of the refund to be paid by the merchant, further determining that the amount of the refund to be paid by the merchant is larger than the residual settlement amount of the order payment running water, and opening a merchant account method transparent mark; and calling a refund interface, executing a refund program based on the amount to be refunded of the merchant, calling a clearing component after the refund is successful, and further generating the excess refund detail according to the refund fund payment underlay mode in the merchant contract order.
In some embodiments, the obtaining module 301 invokes a verification engine to determine that the order information passes verification, including:
calling a verification engine to obtain order state information corresponding to the refund request, judging whether the order state information is in a non-payment success state, and if the order state information is in the non-payment success state, generating a message that the processing of the refund request fails; if not, judging whether the batch running state of the refund request is batch running, if so, generating a message that the refund request is accepted and requested to wait, and if not, executing a preset payment running water clearing state verification program.
In some embodiments, the obtaining module 301 performs a payment pipelining clearing status check, including:
and if the payment flow clearing state in the order information comprises cleared sub-orders, performing accounting processing on the order to obtain each sub-order, and marking a refund mark on the sub-orders which are not cleared.
In some embodiments, the obtaining module 301 determines that the order information passes the verification, including:
obtaining the refund amount of the refund request, calling a refund interface, and checking the refund amount according to the refund amount checking mode field;
if the refund amount check mode field is checked in the account amount, the order refund amount and each sub-order refund amount are respectively smaller than or equal to the corresponding account amount and can be checked to pass; if the refund amount verification mode field is verified in the order amount, the order refund amount and each sub-order refund amount are respectively smaller than or equal to the corresponding order amount and can be verified to pass.
In some embodiments, prior to receiving the refund request, comprising:
newly adding refund excess detail types in the detail types indicated by the clearing details of the database;
and adding a refund amount checking mode field and a legal transparent identification field in the refund interface.
In some embodiments, before the obtaining module 301 receives the refund request, the obtaining module further includes:
and configuring a legal pass-through mark for the merchant account when the merchant account is registered.
It should be noted that the refund request processing method and the refund request processing apparatus according to the present invention have a corresponding relationship in the specific implementation contents, and therefore, the description of the duplicated contents is omitted.
Fig. 4 illustrates an exemplary system architecture 400 of a refund request processing method or refund request processing apparatus to which embodiments of the invention may be applied.
As shown in fig. 4, the system architecture 400 may include terminal devices 401, 402, 403, a network 404, and a server 405. The network 404 serves as a medium for providing communication links between the terminal devices 401, 402, 403 and the server 405. Network 404 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use terminal devices 401, 402, 403 to interact with a server 405 over a network 404 to receive or send messages or the like. The terminal devices 401, 402, 403 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 401, 402, 403 may be various electronic devices having a refund request processing screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 405 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 401, 402, 403. The backend management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (for example, target push information, product information — just an example) to the terminal device.
It should be noted that the refund request processing method provided by the embodiment of the present invention is generally executed by the server 405, and accordingly, the computing device is generally disposed in the server 405.
It should be understood that the number of terminal devices, networks, and servers in fig. 4 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 5, shown is a block diagram of a computer system 500 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU)501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM503, various programs and data necessary for the operation of the computer system 500 are also stored. The CPU501, ROM502, and RAM503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.
The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output section 507 including a display such as a Cathode Ray Tube (CRT), a liquid crystal refund request processor (LCD), and the like, and a speaker and the like; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. 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 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 501.
It should be noted that the computer readable medium shown in the present invention can 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 or 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 invention, 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 the present invention, however, 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, wire, fiber optic cable, RF, 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 invention. 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 modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an acquisition module and a processing module. Wherein the names of the modules do not in some cases constitute a limitation of the module itself.
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs, and when the one or more programs are executed by one piece of equipment, the equipment receives a refund request, acquires order information corresponding to the refund request, and calls a verification engine to determine that the order information passes verification; inquiring the account statement of the corresponding merchant according to the order information to obtain the residual settlement amount of the order payment running water; obtaining the refund amount of the refund request, calculating the amount of the refund to be paid by the merchant, further determining that the amount of the refund to be paid by the merchant is larger than the residual settlement amount of the order payment running water, and opening a merchant account method transparent mark; and calling a refund interface, executing a refund program based on the amount to be refunded of the merchant, calling a clearing component after the refund is successful, and further generating the excess refund detail according to the refund fund payment underlay mode in the merchant contract order.
According to the technical scheme of the embodiment of the invention, the problem that the refund request cannot be processed due to real-time dynamic change of the refund commission fee in the prior art can be solved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A refund request processing method, comprising:
receiving a refund request, acquiring order information corresponding to the refund request, and calling a verification engine to determine that the order information passes verification;
inquiring the account statement of the corresponding merchant according to the order information to obtain the residual settlement amount of the order payment running water;
obtaining the refund amount of the refund request, calculating the amount of the refund to be paid by the merchant, further determining that the amount of the refund to be paid by the merchant is larger than the residual settlement amount of the order payment running water, and opening a merchant account method transparent mark;
and calling a refund interface, executing a refund program based on the amount to be refunded of the merchant, calling a clearing component after the refund is successful, and further generating the excess refund detail according to the refund fund payment underlay mode in the merchant contract order.
2. The method of claim 1, wherein invoking a validation engine to determine that the order information has been validated comprises:
calling a verification engine to obtain order state information corresponding to the refund request, judging whether the order state information is in a non-payment success state, and if the order state information is in the non-payment success state, generating a message that the processing of the refund request fails; if not, judging whether the batch running state of the refund request is batch running, if so, generating a message that the refund request is accepted and requested to wait, and if not, executing a preset payment running water clearing state verification program.
3. The method of claim 2, wherein performing a payment streamclearing status check comprises:
and if the payment flow clearing state in the order information comprises cleared sub-orders, performing accounting processing on the order to obtain each sub-order, and marking a refund mark on the sub-orders which are not cleared.
4. The method of claim 1, wherein determining that the order information verifies comprises:
obtaining the refund amount of the refund request, calling a refund interface, and checking the refund amount according to the refund amount checking mode field;
if the refund amount check mode field is checked in the account amount, the order refund amount and each sub-order refund amount are respectively smaller than or equal to the corresponding account amount and can be checked to pass; if the refund amount verification mode field is verified in the order amount, the order refund amount and each sub-order refund amount are respectively smaller than or equal to the corresponding order amount and can be verified to pass.
5. The method of claim 1, wherein prior to receiving the refund request, comprising:
newly adding refund excess detail types in the detail types indicated by the clearing details of the database;
and adding a refund amount checking mode field and a legal transparent identification field in the refund interface.
6. The method of any of claims 1-5, wherein prior to receiving the refund request, further comprising:
and configuring a legal pass-through mark for the merchant account when the merchant account is registered.
7. A refund request processing apparatus, comprising:
the system comprises an acquisition module, a verification engine and a payment processing module, wherein the acquisition module is used for receiving a refund request, acquiring order information corresponding to the refund request and calling the verification engine to determine that the order information passes verification;
the processing module is used for inquiring the account statement of the corresponding merchant according to the order information and acquiring the residual settlement amount of the order payment running water; obtaining the refund amount of the refund request, calculating the amount of the refund to be paid by the merchant, further determining that the amount of the refund to be paid by the merchant is larger than the residual settlement amount of the order payment running water, and opening a merchant account method transparent mark; and calling a refund interface, executing a refund program based on the amount to be refunded of the merchant, calling a clearing component after the refund is successful, and further generating the excess refund detail according to the refund fund payment underlay mode in the merchant contract order.
8. The apparatus of claim 7, wherein the obtaining module invokes a verification engine to determine that the order information is verified, comprising:
calling a verification engine to obtain order state information corresponding to the refund request, judging whether the order state information is in a non-payment success state, and if the order state information is in the non-payment success state, generating a message that the processing of the refund request fails; if not, judging whether the batch running state of the refund request is batch running, if so, generating a message that the refund request is accepted and requested to wait, and if not, executing a preset payment running water clearing state verification program.
9. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-6.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-6.
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