[detailed description of the invention]
For making the purpose of the embodiment of the present application, technical scheme and advantage clearer, below in conjunction with this Shen
Please accompanying drawing in embodiment, the technical scheme in the embodiment of the present application is clearly and completely described,
Obviously, described embodiment is some embodiments of the present application rather than whole embodiments.Based on
Embodiment in the application, those of ordinary skill in the art are obtained under not making creative work premise
The every other embodiment obtained, broadly falls into the scope of the application protection.
The schematic flow sheet of the Numerical Methods that Fig. 1 provides for the application one embodiment.As it is shown in figure 1,
The method includes:
101, rule request message is sent to rule maintenance centre.
102, the Target Transformation rule that rule maintenance centre returns is received according to rule request message.
103, numerical value conversion process is carried out according to Target Transformation rule.
The present embodiment provides a kind of Numerical Methods, can be performed by numerical value processing means.Numerical value processes
Device can be module or the part being responsible for carrying out numerical value conversion process in miscellaneous service system, is mainly used in
The method flow that performing the present embodiment provides completes numerical value conversion process.
In the present embodiment, maintenance and management transformational rule is unified by rule maintenance centre.Numerical value processes
When device needs to carry out numerical value conversion process, send rule request message to rule maintenance centre, in order to ask
Seek required transformational rule.Rule maintenance centre receives the rule request message that numerical value processing means sends,
According to rule request message from the most a set of transformational rule safeguarded, needed for determining numerical value processing means
Transformational rule.For ease of describing, the transformational rule needed for numerical value processing means is referred to as Target Transformation rule
Then, Target Transformation rule, after determining Target Transformation rule, is returned at numerical value by rule maintenance centre
Reason device.Numerical value processing means receives the Target Transformation that rule maintenance centre returns according to rule request message
Rule, carries out numerical value conversion process according to this Target Transformation rule.
Further, numerical value processing means can also be commenced business according to the numerical value after numerical value conversion process.
What deserves to be explained is, above-mentioned numerical value conversion process can be arbitrarily to need to rely on certain transformational rule
Numerical value conversion process, such as, can be converted to int type numerical value by long type numerical value, or by binary number
Value is converted to decimal value, or by dollar currency type, numerical value is converted into RMB currency type, etc..
What deserves to be explained is, according to business scenario and the difference of type of service, above-mentioned numerical value conversion process
Flow process can be different, required transformational rule also differs.For rule maintenance centre, for
Different business scene and different service types, safeguard different transformational rulees respectively.Based on this, above-mentioned
Rule request message includes: business scenario and type of service.
Based on above-mentioned, after rule maintenance centre receives rule request message, can be to rule request message
Resolve, therefrom obtain business scenario and type of service;According to business scenario and type of service, from institute
In the most a set of transformational rule safeguarded, obtain the transformational rule mated with this business scenario and type of service
As Target Transformation rule, and return Target Transformation rule.For logarithm value processing means, sending rule
Then after request message, receive the target mated with business scenario and type of service that rule maintenance centre returns
Transformational rule.
From above-mentioned, the present embodiment unifies maintenance and management transformational rule by rule maintenance centre, when
When needing to carry out numerical value conversion process, send rule request message to rule maintenance centre, receive rule dimension
Protect the Target Transformation rule that center returns according to rule request message, according to the Target Transformation rule received
Carry out numerical value conversion process.Owing to the maintenance of transformational rule is peeled off away from operation system, rule tie up
Center of protecting is unified to be managed, and alleviates the processing load of operation system, is conducive to improving operation system
Business Processing efficiency.
Clear in the payment relating to Multiple Currencies and move back under the scene such as make loans, it is often necessary to carry out exchange behaviour
Make.Illustrate as a example by agricultural bank's CyberSource channel that current international payment accesses: when buyer passes through
When CyberSource channel pays, buyer's actual delivery is dollar, and Alipay does guarantee transaction,
And finally CybserSource channel is cleared to Alipay is the people cleared out according to the corresponding exchange rate
Coin, after having concluded the business, corresponding amount of RMB is made loans to seller by Alipay.Here exchange process
Referring to become RMB from dollar exchanges, in this process, Alipay has not only done guarantee transaction, does simultaneously
Exchange operation, namely relates to exchange book keeping operation action.Exchange operation is at a kind of concrete numerical value conversion
Reason, below as a example by exchange operates, elaborates to technical scheme.The execution of flow process below
Main body can be operation system, but is not limited to this.
In tripartite's payment system, the scene relating to exchange operation specifically includes that payment scene, reimbursement
Scene and refuse to pay scene.Refuse to pay scene to refer to paid successfully by disabled user, but the credit card or payment
The user that holds of account etc. refuses to pay the situation recognizing that this pays.
In this application, exchange operation is divided into two types, one is business exchange, and one is money
Gold exchange.One complete exchange operation must comprise business exchange and fund exchange two step.Any complete
The exchange becoming a part can by verification logical verify out.Fund exchange occurs mainly in business system
During the reconciliation of system and tripartite financial institution.Business exchange occurs mainly in operation system according to user
During the user operation initiated carries out respective handling.Client-initiated user operation includes that user is business
The payment that website, family sends is asked, or the reimbursement application that user initiates in merchant website, or user exists
What credit card issuer was initiated refuses to pay application etc..
Such as, in concrete payment scene, sent by merchant website when operation system receives user
Payment request time, determine needs from user account, deduct corresponding payment, notify tripartite finance
Channel is waited to clear account to this operation system (such as Alipay) from user account deduction payment
And return payment clearance result, when receiving the payment clearance result that tripartite's finance channel returns, permissible
Determining the need for carrying out exchange operation, the currency type such as paid as user is cleared with tripartite financial institution and is made
Currency type different, it is necessary to carry out exchange operation.Now, operation system is sent out to rule maintenance centre
Sending rule request message, the business scenario in this rule request message is for paying scene, accordingly, these rule
Then the operation of the exchange indicated by type of service in request message includes: fund exchange and business exchange.
Rule maintenance centre receives the rule request message that operation system sends, and carries out rule request message
Resolve, know the conversion rule that operation system request is mated with the fund exchange paid in scene and business exchange
Then, from the most a set of transformational rule safeguarded, determine and the fund exchange paid in scene and business
The Target Transformation rule of exchange coupling, returns to operation system by Target Transformation rule.Accordingly, here
Target Transformation rule include: pay in scene, account that fund exchange relates to and exchange logic, and industry
The business account that relates to of exchange and exchange logic.
Based on this, operation system carries out numerical value according to Target Transformation rule and is converted to: converge according to fund
Convert the account related to and exchange logic carry out fund exchange process, and the account related to according to business exchange and
Exchange logic carries out business exchange process.Concrete, it is right that operation system is carried out according to this payment clearance result
Account processes, and will the detailed detail of withholing with operation system record of withholing that returns of tripartite's finance channel carry out
Comparison (i.e. fund exchange process);If two detailed comparison results are consistent, it is determined that reconciliation success,
Representing the money having received user, it is no problem that this pen pays, the delivery of notice trade company, and converges according to current
Rate, is converted into the second currency type (such as becoming RMB from U.S. dollar exchange) by payment from the first currency type,
And the amount of money in the account (such as including clearing account and merchant account) business exchange related to does accordingly
The reducing or increase (i.e. business exchange process) of numerical value.
The account that fund exchange relates to includes waiting to clear account, and is primarily referred to as supplementing with money and treats clearly in paying scene
Do accounts family.Concept to be cleared is that tripartite financial institution recognizes that have received Client-initiated one supplements operation with money,
But owing to money is not the most transferred accounts this operation system (such as Alipay) by a variety of causes tripartite financial institution
Excess reserve account in.One reason is that system processes and transferring accounts of reality has time difference, separately between the time
An outer reason be tripartite financial institution be to excess reserve account by other bank transfers, other banks turn
Account is also required to the process time.
The account that business exchange relates to includes clearing account, is primarily referred to as the mistake identical with merchant account currency type
Cross account, such as dollar clearing account.
Such as, in concrete reimbursement scene, as a example by reimbursement after sale, when operation system receives user
During the refund request sent by merchant website, determine that needs are withholdd from merchant account and returned withholing
It is back to user account, if now relating to two kinds of different currency types, it is determined that need to carry out exchange operation.When
When needing to carry out exchange operation, operation system sends rule request message, this rule to rule maintenance centre
Business scenario in request message is reimbursement scene, accordingly, and the type of service in this rule request message
Indicated exchange operation includes: fund exchange and business exchange.
Rule maintenance centre receives the rule request message that operation system sends, and carries out rule request message
Resolve, know the conversion rule that operation system request is mated with the fund exchange in reimbursement scene and business exchange
Then, from the most a set of transformational rule safeguarded, determine and the fund exchange in reimbursement scene and business
The Target Transformation rule of exchange coupling, returns to operation system by Target Transformation rule.Accordingly, here
Target Transformation rule include: in reimbursement scene, account that fund exchange relates to and exchange logic, and industry
The business account that relates to of exchange and exchange logic.
Based on this, operation system carries out numerical value according to Target Transformation rule and is converted to: converge according to fund
Convert the account related to and exchange logic carry out fund exchange process, and the account related to according to business exchange and
Exchange logic carries out business exchange process.Concrete, from the corresponding refund amount of merchant account transfer to this industry
In the reimbursement clearing account of the first currency type of business system (such as Alipay), by refund amount from the first coin
Plant and be converted to the second currency type, then by the refund amount of the second currency type from the excessive account of reimbursement of the first currency type
Forward in the excessive account of reimbursement of the second currency type, then by the reimbursement gold in the reimbursement clearing account of the second currency type
Volume proceeds in user account, and user account is the account of the second currency type, finishing service exchange flow process.Now,
Reimbursement flow process not yet finishes, because the refund amount giving user is from the reimbursement clearing account of the second currency type
Pass directly to user account, actually refund amount is forwarded to from Merchant Account the reimbursement of the first currency type
Cross and account need a clearance process, the most only receiving the clearance result that tripartite's financial structure returns,
Know in deducting refund amount from merchant account and forwarding the reimbursement clearing account of the first currency type to, so
After carry out reconciliation, will withholing of returning of tripartite's finance channel detailed detailed with the reimbursement of operation system record
Comparing, when comparison result is consistent, determine reconciliation success, the most whole reimbursement flow process just terminates,
This clearance process is the fund exchange flow process of reimbursement.
The account that fund exchange relates to includes waiting to clear account, and is primarily referred to as reimbursement and treats clearly in reimbursement scene
Do accounts family etc..The account that business exchange relates to includes clearing account, is primarily referred to as first in paying scene
The clearing account of currency type, the clearing account of the second currency type.
Such as, refuse to pay in scene concrete, when operation system receives what user was sent by credit card issuer
When refusing to pay request, determine that needs are withholdd from receivable benefits account and are back to user account by withholing,
If relating to different currency type, it is determined that need to carry out exchange operation.When needs carry out exchange operation, industry
Business system sends rule request message to rule maintenance centre, and the business scenario in this rule request message is
Refusing to pay scene, accordingly, the exchange operation indicated by the type of service in this rule request message includes:
Fund exchange and business exchange.
Rule maintenance centre receives the rule request message that operation system sends, and carries out rule request message
Resolve, know the conversion rule that operation system request is mated with the fund exchange refused to pay in scene and business exchange
Then, from the most a set of transformational rule safeguarded, determine and the fund exchange in reimbursement scene and business
The Target Transformation rule of exchange coupling, returns to operation system by Target Transformation rule.Accordingly, here
Target Transformation rule include: in reimbursement scene, account that fund exchange relates to and exchange logic, and industry
The business account that relates to of exchange and exchange logic.
Based on this, operation system carries out numerical value according to Target Transformation rule and is converted to: converge according to fund
Convert the account related to and exchange logic carry out fund exchange process, and the account related to according to business exchange and
Exchange logic carries out business exchange process.Concrete, after receiving the request of refusing to pay, first from receivable benefits account
In withhold and return in user account, then sentence duty result determines it is that this operation system is paid for according to refuse to pay
Repayment is that trade company compensates, if this operation system is compensated, then transferring accounts from the benefits account of operation system should
Receive in benefits account (receivable benefits account is user account), then pay for from trade company if trade company compensates
Pay a bill receivable benefits account of transferring accounts in family.
The account that fund exchange relates to includes waiting to clear account, and is primarily referred to as refusing to pay and treats clearly in refusing to pay scene
Do accounts family.The account that business exchange relates to includes clearing account, is primarily referred to as receivable compensation in refusing to pay scene
Pay a bill family, i.e. user account.
From above-mentioned, after using the application method, each operation system can be from safeguarding transformational rule
Chains in free, pay close attention to the business of operation system itself, have only to needs exchange when
Send rule request message to rule maintenance centre, rule maintenance centre return.It addition, operation system can
Whole exchange process to be done management and control, and for exchange produces the place of the profit and loss, it is also possible to carry out very
Good registration and process.
It should be noted that for aforesaid each method embodiment, in order to be briefly described, therefore by its all table
Stating as a series of combination of actions, but those skilled in the art should know, the application is by being retouched
The restriction of the sequence of movement stated because according to the application, some step can use other orders or with
Shi Jinhang.Secondly, those skilled in the art also should know, embodiment described in this description all belongs to
In preferred embodiment, necessary to involved action and module not necessarily the application.
In the above-described embodiments, the description to each embodiment all emphasizes particularly on different fields, and does not has in certain embodiment
The part described in detail, may refer to the associated description of other embodiments.
The structural representation of the numerical value processing means that Fig. 2 provides for the application one embodiment.As in figure 2 it is shown,
This device includes: sending module 21, receiver module 22 and conversion processing module 23.
Sending module 21, for sending rule request message to rule maintenance centre.
Receiver module 22, for receiving the Target Transformation rule that rule maintenance centre returns according to rule request message
Then.
Conversion processing module 23, carries out numerical value for the Target Transformation rule received according to receiver module 22
Conversion process.
In an optional embodiment, numerical value processing means can also include: Service Processing Module, is used for
Numerical value after conversion processing module 23 numerical value conversion process is commenced business.
In an optional embodiment, above-mentioned rule request message includes: business scenario and type of service.
Based on this, receiver module 22 specifically for: receive rule maintenance centre return with business scenario and industry
The Target Transformation rule of service type coupling.
Optionally, above-mentioned business scenario is for paying scene, the agiotage bag indicated by above-mentioned type of service
Include: fund exchange and business exchange.Accordingly, above-mentioned Target Transformation rule includes: pay in scene,
Account that fund exchange relates to and exchange logic, and the account that relates to of business exchange and exchange logic.
Conversion processing module 23 specifically for:
The account related to according to fund exchange and exchange logic carry out fund exchange process, and converge according to business
Convert the account related to and exchange logic carries out business exchange process.
Optionally, above-mentioned business scenario is reimbursement scene, and above-mentioned type of service includes: fund exchange and industry
Business exchange.Accordingly, above-mentioned Target Transformation rule includes: in reimbursement scene, the account that fund exchange relates to
Family and exchange logic, and the account that relates to of business exchange and exchange logic.
Conversion processing module 23 specifically for:
The account related to according to fund exchange and exchange logic carry out fund exchange process, and converge according to business
Convert the account related to and exchange logic carries out business exchange process.
Optionally, above-mentioned business scenario is for refusing to pay scene, and above-mentioned type of service includes: fund exchange and industry
Business exchange.Accordingly, above-mentioned Target Transformation rule includes: refuse to pay in scene, the account that fund exchange relates to
Family and exchange logic, and the account that relates to of business exchange and exchange logic.
Conversion processing module 23 specifically for:
The account related to according to fund exchange and exchange logic carry out fund exchange process, and converge according to business
Convert the account related to and exchange logic carries out business exchange process.
The numerical value processing means that the present embodiment provides, coordinates with rule maintenance centre, it is allowed to during rule is safeguarded
The heart is unified safeguards transformational rule, based on this, when needs carry out numerical value conversion process, and numerical value processing means
Send rule request message to rule maintenance centre, receive rule maintenance centre and return according to rule request message
The Target Transformation rule returned, the Target Transformation rule according to receiving carries out numerical value conversion process.Owing to inciting somebody to action
The maintenance of transformational rule is peeled off away, is managed by rule maintenance centre is unified, alleviates numerical value and process
The processing load of device, is conducive to improving its Business Processing efficiency.
Those skilled in the art is it can be understood that arrive, and for convenience and simplicity of description, above-mentioned retouches
The specific works process of the system stated, device and unit, is referred to the correspondence in preceding method embodiment
Process, does not repeats them here.
In several embodiments provided herein, it should be understood that disclosed system, device and
Method, can realize by another way.Such as, device embodiment described above is only shown
Meaning property, such as, the division of described unit, be only a kind of logic function and divide, actual can when realizing
There to be other dividing mode, the most multiple unit or assembly can in conjunction with or be desirably integrated into another
System, or some features can ignore, or do not perform.Another point, shown or discussed each other
Coupling direct-coupling or communication connection can be the INDIRECT COUPLING by some interfaces, device or unit
Or communication connection, can be electrical, machinery or other form.
The described unit illustrated as separating component can be or may not be physically separate, makees
The parts shown for unit can be or may not be physical location, i.e. may be located at a place,
Or can also be distributed on multiple NE.Can select according to the actual needs part therein or
The whole unit of person realizes the purpose of the present embodiment scheme.
It addition, each functional unit in each embodiment of the application can be integrated in a processing unit
In, it is also possible to it is that unit is individually physically present, it is also possible to two or more unit are integrated in one
In individual unit.Above-mentioned integrated unit both can realize to use the form of hardware, it would however also be possible to employ hardware adds
The form of SFU software functional unit realizes.
The above-mentioned integrated unit realized with the form of SFU software functional unit, can be stored in a computer
In read/write memory medium.Above-mentioned SFU software functional unit is stored in a storage medium, including some fingers
Make with so that a computer equipment (can be personal computer, server, or the network equipment etc.)
Or processor (processor) performs the part steps of method described in each embodiment of the application.And it is aforementioned
Storage medium include: USB flash disk, portable hard drive, read only memory (Read-Only Memory, ROM),
Random access memory (Random Access Memory, RAM), magnetic disc or CD etc. are various
The medium of program code can be stored.
Last it is noted that above example is only in order to illustrate the technical scheme of the application, rather than to it
Limit;Although the application being described in detail with reference to previous embodiment, the ordinary skill of this area
Personnel it is understood that the technical scheme described in foregoing embodiments still can be modified by it, or
Person carries out equivalent to wherein portion of techniques feature;And these amendments or replacement, do not make corresponding skill
The essence of art scheme departs from the spirit and scope of the application each embodiment technical scheme.