CN106600247A - Payment processing method and device - Google Patents
Payment processing method and device Download PDFInfo
- Publication number
- CN106600247A CN106600247A CN201611152821.2A CN201611152821A CN106600247A CN 106600247 A CN106600247 A CN 106600247A CN 201611152821 A CN201611152821 A CN 201611152821A CN 106600247 A CN106600247 A CN 106600247A
- Authority
- CN
- China
- Prior art keywords
- data message
- data
- payer
- proportioning
- payment
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000003672 processing method Methods 0.000 title claims abstract description 8
- 238000000034 method Methods 0.000 claims abstract description 56
- 238000012545 processing Methods 0.000 claims abstract description 13
- 230000004048 modification Effects 0.000 claims description 6
- 238000012986 modification Methods 0.000 claims description 6
- 230000005540 biological transmission Effects 0.000 claims description 5
- GOLXNESZZPUPJE-UHFFFAOYSA-N spiromesifen Chemical compound CC1=CC(C)=CC(C)=C1C(C(O1)=O)=C(OC(=O)CC(C)(C)C)C11CCCC1 GOLXNESZZPUPJE-UHFFFAOYSA-N 0.000 claims description 3
- 230000002159 abnormal effect Effects 0.000 claims description 2
- 230000008569 process Effects 0.000 abstract description 29
- 238000010276 construction Methods 0.000 abstract description 5
- 238000005516 engineering process Methods 0.000 abstract description 4
- 238000007726 management method Methods 0.000 description 12
- 238000011282 treatment Methods 0.000 description 5
- 238000011144 upstream manufacturing Methods 0.000 description 3
- 238000010200 validation analysis Methods 0.000 description 3
- 230000001419 dependent effect Effects 0.000 description 2
- 229940060321 after-bug Drugs 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000008676 import Effects 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 238000007689 inspection Methods 0.000 description 1
- 229910052709 silver Inorganic materials 0.000 description 1
- 239000004332 silver Substances 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- 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
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/40—Business processes related to the transportation industry
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Health & Medical Sciences (AREA)
- General Health & Medical Sciences (AREA)
- Human Resources & Organizations (AREA)
- Marketing (AREA)
- Primary Health Care (AREA)
- Tourism & Hospitality (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a payment processing method and device. The method comprises the following steps: first data information used for a payment receiver to make out a bill is generated based on payment data of payment made by a payer, second data information based on the payment made by the payer sent via the payer is received, the first data information and the second data information are compared with each other and a comparison result is obtained, and a report form is generated based on the comparison result and reported to a user. The payment processing method and device help solve a problem that non-cash payment systems of airline companies are still in processes of construction via relevant technologies or no separate non-cash payment management system is available for non-cash payment, and non-cash payment processing efficiency is improved.
Description
Technical field
The present invention relates to internet arena, in particular to a kind of processing method and processing device of payment.
Background technology
With science and technology development people life it is more and more convenient, for example shopping, trip, travelling can be by the side of network
Formula is solved；Wherein, travelling is the optimal selection that modern people rest after work, and in terms of travelling payment, people are also increasingly
Like being paid with non-cash mode.For airline, with the increase of sales mode, with the non-cash means of payment
Also more and more, airline is also all in process of construction or no independent with regard to the system of cashless payment mode at present
Cashless payment management system processing the problem that non-cash mode pays, cause airline to be difficult to meet noncash
The income protection demand of the mode of paying.
As can be seen here, in correlation technique airline with regard to cashless payment mode system also all in process of construction,
Or without single cashless payment management system to process the problem that non-cash mode pays, not yet exist at present effective
Solution.
The content of the invention
A kind of processing method and processing device of payment is embodiments provided, it is public at least to solve aviation in correlation technique
Take charge of with regard to cashless payment mode system also all in process of construction, or without single cashless payment management system with
Process the problem that non-cash mode pays.
According to an aspect of the invention, there is provided a kind of processing method of payment, including：It is prepaid according to payer
Payment data generates the first data message for making out a bill to the side of being paid for；Receive the side of the being paid for transmission based on described
Pay the second data message that side pays；Proportioning is carried out to first data message and second data message, and is matched somebody with somebody
Compare result；Form is generated according to the proportioning result, and reports user.
Alternatively, the first data packets made out a bill to the side of being paid for are generated according to the prepaid payment ticket of payer
Include：In the case where the payer provides the data message of payment data, will get corresponding with the payer
The data message that provides with the payer of sales data matched；In the case where matching is consistent, will be based on described
Pay data message generation first data message that side provides；In the case where matching is inconsistent, the data message is entered
Row modification, and first data message is generated based on amended data message.
Alternatively, the first data packets made out a bill to the side of being paid for are generated according to the prepaid payment ticket of payer
Include：In the case where described pair of side does not provide and pay the data message that ticket is made out a bill, sale corresponding with the payer is obtained
Data；First data message is generated based on sales data corresponding with the payer.
Alternatively, proportioning is carried out to first data message and second data message, and obtains proportioning result bag
Include：First round gross amount proportioning is carried out to first data message and second data message, and obtains the first proportioning result；
Based on the first proportioning result, the second wheel net amount proportioning is carried out to first data message and second data message,
And obtain the second proportioning result；
Generating form according to the proportioning result, and report user includes：Generated according to the second proportioning result and reported
Table, and report the user.
Alternatively, the letter of the first data for making out a bill to the side of being paid for is being generated according to the prepaid payment data of payer
After breath, methods described also includes；First data message is sent to the side of being paid for；Confirm institute in the side of being paid for
In the case of stating the first data message exception, receive the side of the being paid for transmission for indicating the first data message exception
Configured information；Determine whether that first data message for receiving the configured information instruction is different according to the configured information
Often；In the case of it is determined that receiving the instruction of the configured information, first data message is adjusted；It is determined that forbidding
In the case of receiving the instruction of the configured information, forbid receiving the instruction of the configured information to the side of being paid for feedback
Message.
Alternatively, methods described also includes：Periodically obtain blacklist from the side of being paid for and/or other payment systems
Data；The blacklist data is matched with the sales data；The blacklist is there are in the sales data
In the case of data, data corresponding with the blacklist data are extracted from the sales data, and delete what is extracted
Data.
According to another aspect of the present invention, there is provided a kind of processing meanss of payment, including：Generation module, for root
The first data message for making out a bill to the side of being paid for is generated according to the prepaid payment data of payer；First receiver module, uses
In the second data message paid based on the payer for receiving the side's of being paid for transmission；Proportioning module, for described
First data message and second data message carry out proportioning, and obtain proportioning result；Reporting module, for being matched somebody with somebody according to described
Form is generated than result, and reports user.
Alternatively, the generation module includes：Matching unit, for providing the number of payment data in the payer
It is believed that in the case of breath, the data message that the sales data corresponding with the payer for getting is provided with the payer
Matched；First signal generating unit, in the case where matching is consistent, by the data message life provided based on the payer
Into first data message；Second signal generating unit, in the case where matching is inconsistent, repairing to the data message
Change, and first data message is generated based on amended data message.
Alternatively, the generation module includes：Acquiring unit, for not providing described pair of side the number that ticket is made out a bill is paid
It is believed that in the case of breath, obtaining sales data corresponding with the payer；3rd signal generating unit, for being based on and the payment
The corresponding sales data in side generates first data message.
Alternatively, the proportioning module, is additionally operable to carry out first data message and second data message
One wheel gross amount proportioning, and obtain the first proportioning result；Based on the first proportioning result, to first data message and described
Second data message carries out the second wheel net amount proportioning, and obtains the second proportioning result；The reporting module, is additionally operable to according to described
Second proportioning result generates form, and reports the user.
By the present invention, using according to the prepaid payment data of payer generate for make out a bill to the side of being paid for first
Data message；Receive the second data message paid based on payer that the side of being paid for sends；To the first data message and second
Data message carries out proportioning, and obtains proportioning result；Form is generated according to proportioning result, and reports user, and then solved
Airline is also all in process of construction or no individually non-existing with regard to the system of cashless payment mode in correlation technique
Golden payment administrative system has reached the treatment effeciency improved to cashless payment to process the problem that non-cash mode pays.
Description of the drawings
Accompanying drawing described herein is used for providing a further understanding of the present invention, constitutes the part of the application, this
Bright schematic description and description does not constitute inappropriate limitation of the present invention for explaining the present invention.In the accompanying drawings：
Fig. 1 is the process flow figure of payment according to embodiments of the present invention；
Fig. 2 is the process chart of normal sale according to embodiments of the present invention and reimbursement；
Fig. 3 is settlement process flow chart according to embodiments of the present invention；
Fig. 4 is dispute process flow chart according to embodiments of the present invention；
Fig. 5 is that process chart is taken precautions against in fraud according to embodiments of the present invention；
Fig. 6 is the flow chart of the management method of credit card according to embodiments of the present invention and E-Payment；
Fig. 7 is the structured flowchart of the processing meanss of payment according to embodiments of the present invention.
Specific embodiment
Below with reference to accompanying drawing and in conjunction with the embodiments describing the present invention in detail.It should be noted that not conflicting
In the case of, the feature in embodiment and embodiment in the application can be mutually combined.
It should be noted that description and claims of this specification and the term " first " in above-mentioned accompanying drawing, "
Two " it is etc. the object for distinguishing similar, without for describing specific order or precedence.
Embodiment 1
A kind of method of calibration of information is present embodiments provided, Fig. 1 is the process side of payment according to embodiments of the present invention
Method flow chart, as shown in figure 1, the step of the method includes：
Step S102：The the first data letter for making out a bill to the side of being paid for is generated according to the prepaid payment data of payer
Breath；
Step S104：Receive the second data message paid based on payer that the side of being paid for sends；
Step S106：Proportioning is carried out to the first data message and the second data message, and obtains proportioning result；
Step S108：Form is generated according to proportioning result, and reports user.
By above-mentioned steps S102 of the present embodiment to step S108, using according to the prepaid payment data life of payer
Into the first data message for making out a bill to the side of being paid for；Receive the second data paid based on payer that the side of being paid for sends
Information；Proportioning is carried out to the first data message and the second data message, and obtains proportioning result；Generated according to proportioning result and reported
Table, and report user, and then solve airline in correlation technique and also all building with regard to the system of cashless payment mode
If during, or reached with processing the problem that non-cash mode pays without single cashless payment management system
Improve the treatment effeciency to cashless payment.
In an optional embodiment of the present embodiment, step S102 is generated according to the prepaid ticket that pays of payer
The mode of the first data message made out a bill to the side of being paid for includes：
Mode one：
Step S102-1：In the case where payer provides the data message of payment data, will get and prop up
Pay side's data message that corresponding sales data is provided with payer to be matched；
Step S102-2：In the case where matching is consistent, the data message provided based on payer is generated into the first data
Information；
Step S102-3：In the case where matching is inconsistent, data message is modified, and based on amended data
Information generates the first data message.
Mode two：
Step S102-4：In the case where Fu Fangwei is provided and paid the data message that ticket is made out a bill, obtain and payer pair
The sales data answered；
Step S102-5：First data message is generated based on sales data corresponding with payer.
Step S102 is in specific application scenarios credit card and the management system and method (CCMM) of E-Payment
Refer to：By all tickets with Credit Card Payments, the data made out a bill to bank (or credit card issuer, or Third-party payment company) are generated.
For the foundation of the data of making out a bill of which generation has 2 classes：What credit card company or Third-party payment were provided makes out a bill data (below
Abbreviation A class data) or the sales data (abbreviation B class data) that passes through IPRA, wherein, aforesaid way one corresponds to A class data, side
Formula two corresponds to above-mentioned B classes data.
Based on this, A class data, for when upstream provides makes out a bill data (such case exist be due to booking
Sales stage, the data file made out a bill to bank is generated according to the sales information of up-stream system).For A class data, letter
The work that can be completed with card and the management system paid by mails and method (CCMM)：The sales data that Sales module is imported
(data such as this ticket data/BSP, ARC) and A class data are compared (Sales and Billing data
Reconciliation), and account is generated.If there are both mismatch cases, there is modification platform to modify (for example：Repeat
Data, have billing without sale, or have sale without billing).
B class data, the work that CCMM can be completed：Based on the sales data for importing IPRA, generation is sent to receives single file
Make out a bill data.(so-called receipts single file, refers to a certain area, and a certain enterprise specifies a certain bank right as its for the merchant bank of credit card
Main credit card issuer acts on behalf of merchant bank, for example：Industrial and commercial bank is CA for VISA, and MASTER, DINERS Deng Ka companies exist
The receipts single file of China).
It should be noted that the class data of above A/B two can select one or all exist according to airline's actual conditions
CCMM process.The scope of link of making out a bill process：Include the ticket of normal sale and reimbursement.
Fig. 2 is the process chart of normal sale according to embodiments of the present invention and reimbursement, as shown in Fig. 2 A class data are led
Enter in system, after token process, checking treatment and bug patch, MID is obtained by master file and all numbers are calculated
According to MDR, the A classes data and B classes data after these process are carried out after proportioning verification success, produce invoice and account, and handle is opened
The file of account issues bank, and account interface document is passed to airline's AE billing and accounting systems, and provides the user corresponding report
Table and mail reminder.
In another optional embodiment of the present embodiment, above-mentioned steps S106 are to the first data message and the second data
Information carries out proportioning, and obtains the mode of proportioning result and can be：First is carried out to the first data message and the second data message
Wheel gross amount proportioning, and obtain the first proportioning result；Based on the first proportioning result, the first data message and the second data message are entered
Row second takes turns net amount proportioning, and obtains the second proportioning result；
And then above-mentioned steps S108 generate form according to proportioning result, and report the mode of user and can be：According to
Two proportioning results generate form, and report user.
Concrete application scene based on above-mentioned the present embodiment：Credit card and the management system and method for E-Payment
(CCMM), above-mentioned steps S106 and step S108 in the present embodiment can be：Calculate (Settlement)
Fig. 3 is settlement process flow chart according to embodiments of the present invention, as shown in figure 3, the flow process can be, will be upper one
Link is carried out to receiving the settlement data that the data made out a bill of single file return to airline with bank's (for UATP is ATCAN)
Match somebody with somebody, so as to the uniformity for ensureing to make out a bill with settlement data.For a data for unmatching, there is provided modification processing platform, and foundation
Matching result completes corresponding accounting processing.The settlement files that bank sends over are imported, through credit term inspections
Look into, after validation checking treatments and bug patch, carry out the proportioning of two-wheeled and data of making out a bill, first round proportioning completes gross amount
Proportioning, the second wheel proportioning completes net amount proportioning, and after proportioning terminates, user is processed the result of mismatch, and is supplied to
User-dependent form and mail reminder.
In another optional embodiment of the present embodiment, it is used for being generated according to the prepaid payment data of payer
To after the first data message that the side of being paid for makes out a bill, the method for the present embodiment also includes；
Step S110：The first data message is sent to the side of being paid for；
Step S112：In the case where the side of being paid for confirms the first data message exception, the use that the side of being paid for sends is received
In the configured information for indicating the first data message exception；
Step S114：The the first data message exception for receiving configured information instruction is determined whether according to configured information；
Step S116：In the case of it is determined that receiving the instruction of configured information, the first data message is adjusted；
Step S118：In the case of it is determined that forbidding receiving the instruction of configured information, forbid receiving to the side's of being paid for feedback
The message of the instruction of configured information.
Concrete application scene based on above-mentioned the present embodiment：Credit card and the management system and method for E-Payment
(CCMM), above-mentioned steps S110 in the present embodiment can be to step S118：Dispute process (Dispute).
Fig. 4 is dispute process flow chart according to embodiments of the present invention, as shown in figure 4, the flow process can be：For upper
The data of making out a bill (Billing) that airline sends to bank are stated, if there is dispute to some transaction in bank, can be public to aviation
(Chargeback) is refused to pay in department's proposition, and with document form airline, the corresponding file of system introducing, at token are issued
After reason, validation checking treatments and bug patch, now CCMM is needed to existing letter in Chargeback data and IPRA
Breath is matched, and after obtaining the information such as abundant sale, use, booking, decides whether the CHARGEBACK for receiving bank.If no
Receive the CHARGEBACK of bank, then Rejection, and to bank provide refusal the reasons why；If receiving, need to carry out accordingly
The adjustment of account, while the reasons why being sent to bank and receive CHARGEBACK.
Fraud is confirmed as in part, and blacklist data are passed to fraud strick precaution (fraud) module, and is supplied to
User-dependent form and mail reminder.Bank after feedback of the airline with regard to CHARGEBACK is received, decide whether after
The CHARGEBACK of a continuous new round, if continuing the CHARGEBACK that the second wheel is carried out to some transaction, airline can be right
The CHARGEBACK of the second wheel carries out above-mentioned process, till both sides agree to.
In another optional embodiment of the present embodiment, the method for the present embodiment can also include：
Step S120：Periodically obtain blacklist data from the side of being paid for and/or other payment systems；
Step S122：Blacklist data is matched with sales data；
Step S124：In the case of there are blacklist data in sales data, extract from sales data with it is black
The corresponding data of list data, and delete the data for extracting.
Concrete application scene based on above-mentioned the present embodiment：Credit card and the management system and method for E-Payment
(CCMM), above-mentioned steps S120 in the present embodiment can be to step S124：4. (fraud) is taken precautions against in fraud.
Fig. 5 is that process chart is taken precautions against in fraud according to embodiments of the present invention, as shown in figure 5, the handling process can be：
For the behavior cheated using credit card or electronic payment mode, CCMM provides anti-fraud function.Periodically import from silver
The incoming blacklist data of row, aviation industry or upstream (such as Ticket booking system), and verify through token process, validation
Process with after bug patch, CCMM is matched to the sales data for accessing IPRA with black list database, finds out fraudulent trading.
By in previous step CHARGEBACK, the information that bank provides, and it is the sale of the tickets that possess of IPRA in itself, transport, internal
Make out a bill (IWB) and make a reservation data, judge suspicious fraud ticket.According to the fraud data that CCMM is newly captured, generate to aviation
The fraud blacklist data of the renewal of industry or upstream, it is shared for industry.Area more than appearance fraud phenomenon, does to locality
(Station) provides early warning information at thing.
Management system and method (hereinafter referred to as CCMM) from above-mentioned Fig. 2 to Fig. 5, the credit card and E-Payment is main
There are four big functional modules：Make out a bill (Billing)；Clearing (Settlement)；Dispute process (Chargeback)；Fraud is taken precautions against
(Fraud).Fig. 6 is the flow chart of the management method of credit card according to embodiments of the present invention and E-Payment.
Through the above description of the embodiments, those skilled in the art can be understood that according to above-mentioned enforcement
The method of example can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but a lot
In the case of the former be more preferably embodiment.Based on such understanding, technical scheme is substantially in other words to existing
The part that technology contributes can be embodied in the form of software product, and the computer software product is stored in a storage
In medium (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal equipment (can be mobile phone, calculate
Machine, server, or network equipment etc.) method that performs each embodiment of the invention.
Embodiment 2
Additionally provide a kind of processing meanss of payment in the present embodiment, the device is used to realizing above-described embodiment and preferably
Embodiment, had carried out repeating no more for explanation.As used below, term " module " can realize predetermined function
The combination of software and/or hardware.Although the device described by following examples is preferably realized with software, hardware, or
The realization of the combination of person's software and hardware is also may and to be contemplated.
Fig. 7 is the structured flowchart of the processing meanss of payment according to embodiments of the present invention, as shown in fig. 7, the device includes：
Generation module 72, for generating the first data letter for making out a bill to the side of being paid for according to the prepaid payment data of payer
Breath；First receiver module 74, is of coupled connections with generation module 72, for receive the side of being paid for send based on payer payment
Second data message；Proportioning module 76, is of coupled connections with the first receiver module 74, for the first data message and the second data
Information carries out proportioning, and obtains proportioning result；Reporting module 78, is of coupled connections, for according to proportioning with the module of proportioning module 76
As a result form is generated, and reports user.
Alternatively, generation module includes：Matching unit, for providing in payer the data message of payment data
In the case of, the data message that the sales data corresponding with payer for getting is provided with payer is matched；First life
Into unit, in the case where matching is consistent, the data message provided based on payer being generated into the first data message；Second
Signal generating unit, in the case where matching is inconsistent, modifying to data message, and is given birth to based on amended data message
Into the first data message.
Alternatively, generation module includes：Acquiring unit, for providing in Fu Fangwei the data message that ticket is made out a bill is paid
In the case of, obtain sales data corresponding with payer；3rd signal generating unit, for based on sales data corresponding with payer
Generate the first data message.
Alternatively, proportioning module, is additionally operable to carry out first round gross amount proportioning to the first data message and the second data message,
And obtain the first proportioning result；Based on the first proportioning result, the second wheel is carried out to the first data message and the second data message net
Volume proportioning, and obtain the second proportioning result；Reporting module, is additionally operable to generate form according to the second proportioning result, and reports use
Family.
Alternatively, the letter of the first data for making out a bill to the side of being paid for is being generated according to the prepaid payment data of payer
After breath, device also includes：Sending module, for sending the first data message to the side of being paid for；Second receiver module, for
In the case that the side of being paid for confirms the first data message exception, the different for indicating the first data message of the side's of being paid for transmission is received
Normal configured information；Determining module, for determining whether the first data message for receiving configured information instruction according to configured information
It is abnormal；Adjusting module, in the case of it is determined that receiving the instruction of configured information, being adjusted to the first data message；Instead
Feedback module, in the case of it is determined that forbidding receiving the instruction of configured information, forbidding receiving to indicate to believe to the side of being paid for feedback
The message of the instruction of breath.
Alternatively, device also includes：Acquisition module, obtains for periodicity from the side of being paid for and/or other payment systems
Blacklist data；Matching module, for blacklist data to be matched with sales data；Removing module, in sale number
In the case of there are blacklist data according in, data corresponding with blacklist data are extracted from sales data, and deleted
The data for extracting.
Obviously, those skilled in the art should be understood that above-mentioned each module of the invention or each step can be with general
Computing device realizing, they can be concentrated on single computing device, or are distributed in multiple computing devices and are constituted
Network on, alternatively, they can be realized with the executable program code of computing device, it is thus possible to they are stored
Performed by computing device in the storage device, and in some cases, can be shown to perform different from order herein
The step of going out or describe, or they are fabricated to respectively each integrated circuit modules, or by the multiple modules in them or
Step is fabricated to single integrated circuit module to realize.So, the present invention is not restricted to any specific hardware and software combination.
The preferred embodiments of the present invention are these are only, the present invention is not limited to, for those skilled in the art
For member, the present invention can have various modifications and variations.All any modifications within the spirit and principles in the present invention, made,
Equivalent, improvement etc., should be included within the scope of the present invention.
Claims (10)
1. a kind of processing method of payment, it is characterised in that include：
The first data message for making out a bill to the side of being paid for is generated according to the prepaid payment data of payer；
Receive the second data message paid based on the payer that the side of being paid for sends；
Proportioning is carried out to first data message and second data message, and obtains proportioning result；
Form is generated according to the proportioning result, and reports user.
2. method according to claim 1, it is characterised in that generated to being propped up according to the prepaid ticket that pays of payer
Paying the first data message made out a bill side includes：
In the case where the payer provides the data message of payment data, will get corresponding with the payer
The data message that provides with the payer of sales data matched；
In the case where matching is consistent, the data message provided based on the payer is generated into first data message；
In the case where matching is inconsistent, the data message is modified, and institute is generated based on amended data message
State the first data message.
3. method according to claim 1, it is characterised in that generated to being propped up according to the prepaid ticket that pays of payer
Paying the first data message made out a bill side includes：
In the case where described pair of side does not provide and pay the data message that ticket is made out a bill, sale corresponding with the payer is obtained
Data；
First data message is generated based on sales data corresponding with the payer.
4. the method according to any one of claims 1 to 3, it is characterised in that
Proportioning is carried out to first data message and second data message, and obtains proportioning result including：To described
One data message and second data message carry out first round gross amount proportioning, and obtain the first proportioning result；Based on described
One proportioning result, carries out the second wheel net amount proportioning to first data message and second data message, and obtains second
Proportioning result；
Generating form according to the proportioning result, and report user includes：Form is generated according to the second proportioning result, and
Report the user.
5. the method according to any one of claims 1 to 3, it is characterised in that according to the prepaid payment number of payer
It is used for after the first data message that the side of being paid for makes out a bill according to generating, methods described also includes；
First data message is sent to the side of being paid for；
In the case where the side of being paid for confirms the first data message exception, being used for for the side's of being paid for transmission is received
Indicate the abnormal configured information of first data message；
Determined whether to receive the first data message exception that the configured information is indicated according to the configured information；
In the case of it is determined that receiving the instruction of the configured information, first data message is adjusted；
In the case of it is determined that forbidding receiving the instruction of the configured information, forbid receiving the finger to the side of being paid for feedback
Show the message of the instruction of information.
6. the method according to any one of claims 1 to 3, it is characterised in that methods described also includes：
Periodically obtain blacklist data from the side of being paid for and/or other payment systems；
The blacklist data is matched with the sales data；
In the case of there are the blacklist data in the sales data, extract from the sales data with it is described
The corresponding data of blacklist data, and delete the data for extracting.
7. a kind of processing meanss of payment, it is characterised in that include：
Generation module, for generating the first data letter for making out a bill to the side of being paid for according to the prepaid payment data of payer
Breath；
First receiver module, for receiving the second data message paid based on the payer that the side of being paid for sends；
Proportioning module, for carrying out proportioning to first data message and second data message, and obtains proportioning result；
Reporting module, for generating form according to the proportioning result, and reports user.
8. device according to claim 7, it is characterised in that the generation module includes：
Matching unit, in the case of the data message that payment data is provided in the payer, will get with
The data message that the corresponding sales data of the payer is provided with the payer is matched；
First signal generating unit, in the case where matching is consistent, the data message provided based on the payer being generated into institute
State the first data message；
Second signal generating unit, for match it is inconsistent in the case of, the data message is modified, and based on modification after
Data message generate first data message.
9. device according to claim 7, it is characterised in that the generation module includes：
Acquiring unit, in the case of not providing and paying the data message that ticket is made out a bill described pair of side, obtains and described
Pay side corresponding sales data；
3rd signal generating unit, for generating first data message based on sales data corresponding with the payer.
10. the device according to any one of claim 7 to 9, it is characterised in that
The proportioning module, is additionally operable to carry out first round gross amount to first data message and second data message to match somebody with somebody
Than, and obtain the first proportioning result；Based on the first proportioning result, to first data message and second data letter
Breath carries out the second wheel net amount proportioning, and obtains the second proportioning result；
The reporting module, is additionally operable to generate form according to the second proportioning result, and reports the user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611152821.2A CN106600247B (en) | 2016-12-14 | 2016-12-14 | Payment processing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611152821.2A CN106600247B (en) | 2016-12-14 | 2016-12-14 | Payment processing method and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106600247A true CN106600247A (en) | 2017-04-26 |
| CN106600247B CN106600247B (en) | 2020-11-10 |
Family
ID=58801233
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611152821.2A Active CN106600247B (en) | 2016-12-14 | 2016-12-14 | Payment processing method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106600247B (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110135834A (en) * | 2019-04-12 | 2019-08-16 | 上海秋智信息科技有限公司 | A kind of aerial credit payment method and system of civil aviaton |
| CN111144873A (en) * | 2019-12-31 | 2020-05-12 | 交通银行股份有限公司北京市分行 | Electronic purchase order based bill receiving mechanism bill receiving dispute processing method and system |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1494039A (en) * | 2002-10-31 | 2004-05-05 | 厦门航空有限公司 | Method of making control in advance against bill clearing difference |
| US20130254110A1 (en) * | 2012-03-20 | 2013-09-26 | First Data Corporation | Systems and Methods for Processing Payment Transactions |
| CN103903177A (en) * | 2012-12-26 | 2014-07-02 | 远光软件股份有限公司 | Payment account checking method and system |
| CN103903137A (en) * | 2012-12-26 | 2014-07-02 | 远光软件股份有限公司 | Automatic payment and account-checking method and system |
-
2016
- 2016-12-14 CN CN201611152821.2A patent/CN106600247B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1494039A (en) * | 2002-10-31 | 2004-05-05 | 厦门航空有限公司 | Method of making control in advance against bill clearing difference |
| US20130254110A1 (en) * | 2012-03-20 | 2013-09-26 | First Data Corporation | Systems and Methods for Processing Payment Transactions |
| CN103903177A (en) * | 2012-12-26 | 2014-07-02 | 远光软件股份有限公司 | Payment account checking method and system |
| CN103903137A (en) * | 2012-12-26 | 2014-07-02 | 远光软件股份有限公司 | Automatic payment and account-checking method and system |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110135834A (en) * | 2019-04-12 | 2019-08-16 | 上海秋智信息科技有限公司 | A kind of aerial credit payment method and system of civil aviaton |
| CN111144873A (en) * | 2019-12-31 | 2020-05-12 | 交通银行股份有限公司北京市分行 | Electronic purchase order based bill receiving mechanism bill receiving dispute processing method and system |
| CN111144873B (en) * | 2019-12-31 | 2023-08-25 | 交通银行股份有限公司北京市分行 | Method and system for processing bill receiving disputes of bill receiving mechanism based on electronic purchase bill |
Also Published As
| Publication number | Publication date |
|---|---|
| CN106600247B (en) | 2020-11-10 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11531977B2 (en) | System and method for paying a merchant by a registered user using a cellular telephone account | |
| CN109727105B (en) | Self-service travel fee verification processing method, device, equipment and computer storage medium | |
| CN103413389B (en) | Based on bank account to non-banking account management and method of payment | |
| US8392331B2 (en) | Hybrid secured credit card | |
| US20090112744A1 (en) | System, Method, and Computer-Readable Medium for Mobile Loan Acquisition | |
| JP2011141849A (en) | Prepaid and postpaid payment system using mobile terminal, small-amount transfer method, point service system, and escrow service system | |
| US20180114203A1 (en) | Systems and methods for regulating access to data stored in a data source | |
| CN107025604A (en) | The generation method and device of service order data | |
| US10936565B2 (en) | Systems and methods for accessing a subscriber-based source | |
| CN107016610A (en) | A kind of bill based on fixed price pattern directly pastes method and system | |
| CN103177513A (en) | Electronic ticket business system of near field communication (NFC) terminal | |
| CN106600247A (en) | Payment processing method and device | |
| KR20110089295A (en) | Money transfer using cellular networks | |
| CN112819473A (en) | Order processing method, server, equipment and medium based on digital dictionary | |
| CN116823444A (en) | Information processing method and device | |
| KR20050091203A (en) | Credit payment processing method | |
| JP2005267334A (en) | Card payment system | |
| CN108288160A (en) | Method of payment and system based on credit evaluation guarantee | |
| KR20100107366A (en) | System and method for managing medical expenses settlement by installments using phone bill and recording medium | |
| US20150324771A1 (en) | Systems and methods for providing an optimized payment location for cash payments | |
| EP1615183A1 (en) | Internet payment verification method and system | |
| US8280807B2 (en) | System of transferring and utilising reusable credit | |
| US20130254009A1 (en) | Transaction information interface | |
| KR101015601B1 (en) | Method and system on collecting late fee for communication service | |
| KR20120125441A (en) | Method for Controlling Process of Payment Admission |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |