CN106779653A - Payment processing method and device - Google Patents
Payment processing method and device Download PDFInfo
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- CN106779653A CN106779653A CN201710033754.0A CN201710033754A CN106779653A CN 106779653 A CN106779653 A CN 106779653A CN 201710033754 A CN201710033754 A CN 201710033754A CN 106779653 A CN106779653 A CN 106779653A
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
- G06Q20/403—Solvency checks
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Abstract
The invention discloses a kind of payment processing method and device, wherein, payment processing method includes：When the means of payment is the means of payment on line, the first account payment request that the first account sends is received；Wherein, the first account pays request and includes：Payment, the first account information and the pending business information of the second account being associated with the first account information；The pending business information of the second account in request is paid according to the first account, theoretical payment is calculated；Judge that whether the first account pays the payment in request more than or equal to theoretical payment；If judgement gets paid the amount of money is more than or equal to theoretical payment, is paid according to the first account and asked, perform the corresponding delivery operation of the first account；If judgement gets paid the amount of money and is less than theoretical payment, represent the first prompt message.According to the technical scheme that the present invention is provided, payment processes efficiency is improve, optimize payment processes mode.
Description
Technical field
The present invention relates to technical field of electronic commerce, and in particular to a kind of payment processing method and device.
Background technology
With continuing to develop for e-commerce technology, people can buy foreign trade commodity etc. from transaction platform.In order to be able to
The product in transaction platform is enough set more to enrich, to attract buyer to buy, transaction platform needs constantly to expand seller.Wherein,
Transaction platform is mostly to carry out seller's expansion by modes such as exhibitions, agents.
Wherein, the service such as transaction platform can be supplemented with money by agent for seller provides account, value-added service is opened.Existing
In technology, when seller needs the transacting business in transaction platform, seller can treat transacting business to agent's registration, and payment is done
Expense required for reason business.When agent registered when the portfolio of transacting business reaches a certain amount of, agent can hand over
Registration one pays application in easy platform, and the reimbursement of expense withheld by the means of payment under line is to the account of transaction platform
In, then the financial staff of transaction platform sends to the agent administration people of transaction platform the payment managing detailed catalogue of transaction platform
Member, the payment application for being registered agent by the agent administration personnel of transaction platform is entered with the payment managing detailed catalogue of transaction platform
Row matching, after the match is successful, by agent administration personnel for agent carries out supplementing operation with money.Agent is viewing its agency
After business's account is successfully supplemented with money, then one by one by registration transacting business seller's transacting business.It follows that in above-mentioned payment processes
During, there is payment processes inefficiency.
The content of the invention
In view of the above problems, it is proposed that the present invention so as to provide one kind overcome above mentioned problem or at least in part solve on
State the payment processing method and device of problem.
According to an aspect of the invention, there is provided a kind of payment processing method, the method includes：
When the means of payment is the means of payment on line, the first account payment request that the first account sends is received；Wherein,
One account pays request to be included：Payment, the first account information and the second account being associated with the first account information are treated
Processing business information；
The pending business information of the second account in request is paid according to the first account, theoretical payment is calculated；
Judge that whether the first account pays the payment in request more than or equal to theoretical payment；
If judgement gets paid the amount of money is more than or equal to theoretical payment, is paid according to the first account and asked, performed
The corresponding delivery operation of first account；If judgement gets paid the amount of money and is less than theoretical payment, represent the first prompt message.
According to another aspect of the present invention, there is provided a kind of payment processes device, the device includes：
Receiver module, for when the means of payment is the means of payment on line, receiving the first account branch that the first account sends
Pay request；Wherein, the first account pays request and includes：Payment, the first account information and related to the first account information
The pending business information of second account of connection；
Computing module, for paying the pending business information of the second account in request, computational theory according to the first account
Payment；
First pays judge module, for judging that whether the first account pays the payment in request more than or equal to reason
By payment；
First processing module, if judging that get paid the amount of money pays more than or equal to theoretical for the first payment judge module
The amount of money, then pay according to the first account and ask, and performs the corresponding delivery operation of the first account；If first pays judge module judging
Get paid the amount of money and be less than theoretical payment, then represent the first prompt message.
According to the technical scheme that the present invention is provided, when the means of payment is the means of payment on line, receives the first account and send
The first account pay request, then according to the first account pay request in the pending business information of the second account, calculate reason
By payment, then judge that the first account pays whether the payment in request is more than or equal to theoretical payment,
In the case that the payment that judgement is obtained in the payment request of the first account is more than or equal to theoretical payment, according to the first account
Number request is paid, perform the corresponding delivery operation of the first account；Judging to obtain the payment during the first account pays request
In the case of less than theoretical payment, represent the first prompt message.According to the technical scheme that the present invention is provided, can be according to branch
Pay the information in request automatically and quickly to judge to whether there is problem in payment request, improve payment processes efficiency, optimize
Payment processes modes.
Described above is only the general introduction of technical solution of the present invention, in order to better understand technological means of the invention,
And can be practiced according to the content of specification, and in order to allow the above and other objects of the present invention, feature and advantage can
Become apparent, below especially exemplified by specific embodiment of the invention.
Brief description of the drawings
By reading the detailed description of hereafter preferred embodiment, various other advantages and benefit is common for this area
Technical staff will be clear understanding.Accompanying drawing is only used for showing the purpose of preferred embodiment, and is not considered as to the present invention
Limitation.And in whole accompanying drawing, identical part is denoted by the same reference numerals.In the accompanying drawings：
Fig. 1 shows the schematic flow sheet of payment processing method according to an embodiment of the invention；
Fig. 2 shows the schematic flow sheet of payment processing method in accordance with another embodiment of the present invention；
Fig. 3 shows the schematic flow sheet of the payment processing method according to another embodiment of the invention；
Fig. 4 shows the structured flowchart of payment processes device according to an embodiment of the invention；
Fig. 5 shows the structured flowchart of payment processes device in accordance with another embodiment of the present invention.
Specific embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although showing the disclosure in accompanying drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
Limited.Conversely, there is provided these embodiments are able to be best understood from the disclosure, and can be by the scope of the present disclosure
Complete conveys to those skilled in the art.
Fig. 1 shows the schematic flow sheet of payment processing method according to an embodiment of the invention, as shown in figure 1, should
Method can be performed by transaction platform, and the method comprises the following steps：
Step S100, when the means of payment is the means of payment on line, the first account payment for receiving the transmission of the first account please
Ask.
In transaction platform, the means of payment can be divided on line the means of payment under the means of payment and line, specifically, be paid on line
Mode can be to carry out online payment by the mode such as transfer accounts in transaction platform, and the means of payment can be to pass through under online under line
The mode such as transfer accounts, swipe the card is paid.
In the present invention, the first account is used to manage multiple second accounts, and the Business Processing for collecting multiple second accounts please
Ask, it is unified to pay request for multiple second accounts send to transaction platform.When the first account is collected into from multiple second accounts
Business Processing request corresponding portfolio when reaching predetermined number, the Business Processing that the first account can be according to collected by please
Ask, sending corresponding payment to transaction platform asks, and payment request is the first account and pays request.Wherein, the first account
Paying request includes：Payment, the first account information and the pending industry of the second account being associated with the first account information
Business information.Wherein, the pending business information of the second account includes the second account information and corresponding with the second account information treats
Processing business information, it can be seen from the pending business information of the second account, specific which the second account request processes which business.
For example, the service, agent such as transaction platform can be supplemented with money by agent for seller provides account, value-added service is opened
For managing multiple sellers, the Business Processing request of multiple sellers is collected, it is unified to be paid for multiple sellers send to transaction platform
Request, then the corresponding account of agent is the first account, and the corresponding account of seller is the second account.
Step S101, the pending business information of the second account in request is paid according to the first account, and computational theory pays
The amount of money.
After it have received the first account and pay request, in step S101, the in request is paid according to the first account
The pending business information of two accounts, calculates theoretical payment.For example, it can be seen from the pending business information of the second account, the
Two accounts 1 and the second account 2 ask processing business 1, the second account 3 and the second account 4 to ask processing business 2, it is assumed that place
Reason business 1 need to pay 100 yuan, and processing business 2 need to pay 40 yuan, then in step S101, pending according to second account
Business information, the theoretical payment being calculated is 280 yuan.
Step S102, judges that whether the first account pays the payment in request more than or equal to theoretical payment；
If so, then performing step S103；If it is not, then performing step S104.
Because the payment during the payment of the first account is asked in some cases may be not equal to the theory being calculated
Payment, then in step s 102, it is necessary to whether the payment paid to the first account in request is more than or equal to reason
Judged by payment.If it is determined that the payment obtained in the payment request of the first account pays more than or equal to theoretical
The amount of money, then perform step S103；If it is determined that the payment obtained in the payment request of the first account is less than theoretical payment,
Then perform step S104.
Step S103, pays according to the first account and asks, and performs the corresponding delivery operation of the first account.
If judging that obtain the payment in the payment request of the first account pays more than or equal to theoretical through step S102
The amount of money, then in step s 103, pay according to first account and ask, and performs the corresponding delivery operation of the first account.
Step S104, represents the first prompt message.
If judging that obtaining the payment in the payment request of the first account is less than theoretical payment through step S102,
In step S104, represent the first prompt message, to point out the account of user first to pay the payment in request less than theory
Payment.Those skilled in the art can according to actual needs set the first prompt message, not limit herein.For example, first
Prompt message can be believed for the word of " payment is operated again less than the theoretical payment needed for processing business after PLSCONFM "
Breath.
The payment processing method for providing according to embodiments of the present invention, when the means of payment is the means of payment on line, receives the
The first account that one account sends pays request, and the pending business letter of the second account in request is paid then according to the first account
Breath, calculates theoretical payment, then judges that the first account pays whether the payment in request props up more than or equal to theoretical
The amount of money is paid, in the case where the payment for judging to obtain during the first account pays request is more than or equal to theoretical payment,
Paid according to the first account and asked, perform the corresponding delivery operation of the first account；In judging that obtaining the first account pays request
Payment be less than theoretical payment in the case of, represent the first prompt message.According to the technical scheme that the present invention is provided,
Can automatically and quickly be judged to whether there is problem in payment request according to the information paid in request, improve at payment
Reason efficiency, optimizes payment processes mode.
Fig. 2 shows the schematic flow sheet of payment processing method in accordance with another embodiment of the present invention, as shown in Fig. 2
The method can be performed by transaction platform, and the method comprises the following steps：
Step S200, when the means of payment is the means of payment on line, the first account payment for receiving the transmission of the first account please
Ask.
Wherein, the first account pays request and includes：Payment, the first account information and related to the first account information
The pending business information of second account of connection.It can be seen from the pending business information of the second account, specific which the second account please
Ask and which business processed.Specifically, the pending business information of the second account includes the second account information；In addition, the second account is treated
Processing business information also includes the pending business information corresponding with the second account information.
Step S201, the pending business information of the second account in request is paid according to the first account, and computational theory pays
The amount of money.
After it have received the first account and pay request, in step s 201, the in request is paid according to the first account
The pending business information of two accounts, calculates theoretical payment.
Step S202, judges that whether the first account pays the payment in request more than or equal to theoretical payment；
If so, then performing step S203；If it is not, then performing step S208.
If it is determined that the payment obtained in the payment request of the first account is more than or equal to theoretical payment, then perform
Step S203；If it is determined that the payment obtained in the payment request of the first account is less than theoretical payment, then step is performed
S208。
Step S203, in judging whether to include in the second account information managing listings the pending business information of the second account
Second account information；If so, then performing step S204；If it is not, then performing step S209.
In transaction platform, the second account information is managed using the second account information managing listings.Specifically, in the second account
The second account information being associated with the first account has been recorded in number information management list.Due in actual applications, the first account
It is probably to be generated according to the information of user input number to pay request, and user may be because the reasons such as carelessness be by the second account
Information fills out mistake, then in order to effectively check this mistake, in step S203, to the second account information managing listings
In whether include the pending business information of the second account in the second account information judged.
If it is determined that obtain the second account information managing listings include in the pending business information of the second account second
Account information, illustrates there is second account information in the second account information managing listings, then perform step S204；If
Judgement obtains the second account information not included in the pending business information of the second account in the second account information managing listings, says
It is bright not exist second account information in the second account information managing listings, then to perform step S209.
Step S204, pays according to the first account and asks, and performs the corresponding delivery operation of the first account.
If judging that obtaining the second account information managing listings includes that the pending business of the second account is believed through step S203
The second account information in breath, then in step S204, pay according to the first account and ask, and performs the corresponding payment of the first account
Operation.
Step S205, judges whether delivery operation runs succeeded；If so, then performing step S206；If it is not, then performing step
S207。
After the corresponding delivery operation of the first account is performed, mistake or user may be filled in due to payment information
The payment accounts such as bank card cause delivery operation to be not carried out successfully the problems such as Sorry, your ticket has not enough value, then in step S205, it is necessary to
Judge whether delivery operation runs succeeded.If it is determined that get paid operation running succeeded, then step S206 is performed；If it is determined that
Get paid operation to be not carried out successfully, then perform step S207.
Step S206, carries out supplementing treatment with money to the first account, is corresponding with the pending business information of the second account
Two accounts carry out Business Processing, and theoretical payment is deducted from the first account.
If judging that getting paid operation runs succeeded through step S205, then it is believed that the fund that the first account is paid
Successfully in the account corresponding to transaction platform, then transaction platform can provide business service to the first account.Specifically,
Theoretical payment is likely larger than because the first account pays the payment in request, then transaction platform is first according to the first account
Number pay request in payment the first account is carried out to supplement treatment with money, then according in the pending business information of the second account
The second account information, be that second account corresponding with the pending business information of the second account carries out Business Processing, and from
Theoretical payment is deducted in one account.
Step S207, represents the 3rd prompt message.
If judging that getting paid operation is not carried out successfully, in step S207, represents the 3rd prompting through step S205
Information, to point out user's delivery operation to be not carried out successfully.Those skilled in the art can according to actual needs set the 3rd prompting letter
Breath, does not limit herein.For example, the 3rd prompt message can be the text information of " paying failure, please re-operate ".
Step S208, represents the first prompt message.
If judging that obtaining the payment in the payment request of the first account is less than theoretical payment through step S202,
In step S208, represent the first prompt message, to point out the account of user first to pay the payment in request less than theory
Payment.For example, the first prompt message can be for " payment, please be true less than the theoretical payment needed for processing business
Operated again after recognizing " text information.
Step S209, represents the second prompt message.
If judge to obtain through step S203 does not include the pending business of the second account in the second account information managing listings
The second account information in information, illustrates in the absence of second account information in the second account information managing listings, then in step
In rapid S209, represent the second prompt message, to point out user second account information not exist.Those skilled in the art can basis
The second prompt message of setting is actually needed, is not limited herein.For example, the second prompt message can for " XXX accounts do not exist,
Operated again after PLSCONFM " text information.
The payment processing method for providing according to embodiments of the present invention, can be automatic, quick according to the information paid in request
Ground is judged to whether there is problem in payment request, improves payment processes efficiency, optimizes payment processes mode；In addition,
In the case that delivery operation succeeds and payment is more than or equal to theoretical payment, additionally it is possible to automatically for the first account is entered
Row supplements treatment with money, and for the second account carries out Business Processing, so as to improve Business Processing efficiency, effectively reduces because of transaction
The operation personnel of platform manually operated and the business operation risk brought, reduce the operation cost of transaction platform.
Fig. 3 shows the schematic flow sheet of the payment processing method according to another embodiment of the invention, as shown in figure 3,
The method can be performed by transaction platform, and the method comprises the following steps：
Step S300, when the means of payment is the means of payment under line, obtains every prefixed time interval and pays managing detailed catalogue.
Those skilled in the art can according to actual needs set prefixed time interval, not limit herein.Payer under line
Formula can be to be paid under online by the mode such as transfer accounts, swipe the card.It is assumed that prefixed time interval is 24 hours, then work as branch
When the mode of paying is the means of payment under line, the corresponding payment managing detailed catalogue of transaction platform was obtained every 24 hours.Specifically, in transaction
In platform, using payment managing detailed catalogue managing listings managing payment managing detailed catalogue.
Whether step S301, judges include untreated payment information in payment managing detailed catalogue；If so, then performing step
S302；If it is not, then the method terminates.
If it is determined that getting paid managing detailed catalogue includes untreated payment information, then step S302 is performed；If it is determined that
Getting paid does not include untreated payment information in managing detailed catalogue, illustrate that the payment information in payment managing detailed catalogue is treated
Payment information, then the method terminate.
Step S302, the payment related information in untreated payment information, in the first account charging information list
Search and pay the first account charging information that related information matches.
Untreated payment information includes paying related information and collection amount.In transaction platform, using the first account
Charging information list management the first account charging information.Through step S301 judge get paid managing detailed catalogue include it is untreated
In the case of payment information, in step s 302, the payment related information in untreated payment information fills in the first account
Searched in value information list and pay the first account charging information that related information matches.
After the first account charging information for finding matching, so that it may the gathering gold in untreated payment information
Volume, pair first account corresponding with the first account charging information of matching carries out supplementing treatment with money.Specifically, can be by step
S303 to step S305 is realized.
Whether step S303, judge the collection amount in untreated payment information less than the first account charging information for matching
In payment；If so, then performing step S304；If it is not, then performing step S305.
If it is determined that in obtaining the first account charging information of the collection amount less than matching in untreated payment information
Payment, then perform step S304；If it is determined that the collection amount obtained in untreated payment information is more than or equal to matching
The first account charging information in payment, then perform step S305.
It is assumed that the collection amount in untreated payment information is 1000 yuan, and in the first account charging information for matching
Payment is 1200 yuan, then filled less than the first account of matching through judging to obtain the collection amount in untreated payment information
Payment in value information, then perform step S304.
Step S304, according to collection amount, pair first account corresponding with the first account charging information of matching is carried out
Supplement treatment with money.
If judging to obtain collection amount less than payment through step S304, according to collection amount, pair with match
The first corresponding account of first account charging information carries out supplementing treatment with money, so as to the first account for the second account is carried out at business
Reason.
Step S305, according to collection amount, pair first account corresponding with the first account charging information of matching is carried out
Supplement treatment with money, and be second according to the second account pending business information corresponding with the first account charging information of matching
Account carries out Business Processing.
If judging to obtain collection amount more than or equal to payment through step S303, according to collection amount, pair with
The first account that first account charging information of matching is corresponding carries out supplementing treatment with money, and is supplemented with money according to the first account for matching
The corresponding pending business information of the second account of information, is that the second account carries out Business Processing.Specifically, it is being the second account
After carrying out Business Processing, the corresponding theoretical payment of the pending business information of the second account is deducted from the first account.
The payment processing method for providing according to embodiments of the present invention, when the means of payment is the means of payment under line, every pre-
If time interval is obtained pays managing detailed catalogue, then judge whether include untreated payment information in payment managing detailed catalogue, sentencing
Disconnected to get paid in the case that managing detailed catalogue includes untreated payment information, the payment in untreated payment information is associated
Information, searches in the first account charging information list and pays the first account charging information that related information matches, then
According to the collection amount in untreated payment information, pair first account corresponding with the first account charging information of matching is carried out
Supplement treatment with money.According to embodiments of the present invention provide payment processing method, can automatically determine payment managing detailed catalogue in whether
Including untreated payment information, and for untreated payment information, additionally it is possible to rapidly find the first matching account
Number charging information, and for the first account carries out supplementing treatment with money, so as to improve payment processes efficiency, optimize payment processes side
Formula, improves Business Processing efficiency, effectively reduce because the operation personnel of transaction platform it is manually operated the business brought
Operational risk, reduces the operation cost of transaction platform.
Fig. 4 shows the structured flowchart of payment processes device according to an embodiment of the invention, as shown in figure 4, the branch
Paying processing unit 400 includes：Receiver module 401, computing module 402, first pay judge module 403 and first processing module
404。
Receiver module 401 is used for：When the means of payment is the means of payment on line, the first account that the first account sends is received
Pay request.
Wherein, the first account pays request and includes：Payment, the first account information and related to the first account information
The pending business information of second account of connection.
Computing module 402 is used for：The pending business information of the second account in request is paid according to the first account, reason is calculated
By payment.
First payment judge module 403 is used for：Judge that the first account pays whether the payment in request is more than or waits
In theoretical payment.
First processing module 404 is used for：If the first payment judge module 403 judges to get paid the amount of money more than or equal to reason
By payment, then paid according to the first account and asked, perform the corresponding delivery operation of the first account；If the first payment judges mould
Block 403 judges that getting paid the amount of money is less than theoretical payment, then represent the first prompt message.
The payment processes device for providing according to embodiments of the present invention, when the means of payment is the means of payment on line, receives mould
Block receives the first account payment request that the first account sends, and computing module pays the second account in request according to the first account
Pending business information, calculates theoretical payment, and the first payment judge module judges that the first account pays the payment in asking
Whether the amount of money is more than or waits more than or equal to theoretical payment in the payment for judging to obtain during the first account pays request
In the case of theoretical payment, first processing module pays according to the first account and asks, and performs the corresponding branch of the first account
Pay operation；In the case where the payment for judging to obtain during the first account pays request is less than theoretical payment, at first
Reason module represents the first prompt message.According to the technical scheme that the present invention is provided, can it is automatic according to the information that pays in request,
Quickly determine that payment whether there is problem in asking, improve payment processes efficiency, optimize payment processes mode.
Fig. 5 shows the structured flowchart of payment processes device in accordance with another embodiment of the present invention, as shown in figure 5, should
Payment processes device 500 includes：Receiver module 501, computing module 502, first pay judge module 503, account information and judge
Module 504, first processing module 505, operation judges module 506, Second processing module 507, acquisition module 508, information judge
Module 509, the processing module 511 of searching modul 510 and the 3rd.
Receiver module 501 is used for：When the means of payment is the means of payment on line, the first account that the first account sends is received
Pay request.
Wherein, the first account pays request and includes：Payment, the first account information and related to the first account information
The pending business information of second account of connection.
Computing module 502 is used for：The pending business information of the second account in request is paid according to the first account, reason is calculated
By payment.
First payment judge module 503 is used for：Judge that the first account pays whether the payment in request is more than or waits
In theoretical payment.
Account information judge module 504 is used for：If the first payment judge module 503 judges that getting paid the amount of money is more than or waits
In theoretical payment, then in judging whether to include in the second account information managing listings the pending business information of the second account
Second account information.
Specifically, the pending business information of the second account includes the second account information；In addition, the pending business of the second account
Information also includes the pending business information corresponding with the second account information.
First processing module 505 is used for：If the first payment judge module 503 judges that get paid the amount of money pays less than theoretical
The amount of money, then represent the first prompt message；If account information judge module 504 judges to obtain in the second account information managing listings not
Including the second account information in the pending business information of the second account, then represent the second prompt message；If account information judges
Module 504 judges to obtain the second account letter that the second account information managing listings are included in the pending business information of the second account
Breath, then pay according to the first account and ask, and performs the corresponding delivery operation of the first account.
Operation judges module 506 is used for：Judge whether delivery operation runs succeeded.
Second processing module 507 is used for：If operation judges module 506 judges to get paid operation and run succeeded, to the
One account carries out supplementing treatment with money, is that second account corresponding with the pending business information of the second account carries out Business Processing, and
Theoretical payment is deducted from the first account；If operation judges module 506 judges that getting paid operation is not carried out successfully, opening up
Existing 3rd prompt message.
Acquisition module 508 is used for：When the means of payment is the means of payment under line, is obtained every prefixed time interval and pay bright
Thin information.
Signal judgement module 509 is used for：Judge whether include untreated payment information in payment managing detailed catalogue.
Searching modul 510 is used for：If signal judgement module 509 judges that getting paid managing detailed catalogue includes untreated payment
Information, then the payment related information in untreated payment information, searches and pays in the first account charging information list
The first account charging information that related information matches.
Wherein, untreated payment information includes paying related information and collection amount.
3rd processing module 511 is used for：According to the collection amount in untreated payment information, pair with the first account for matching
The first corresponding account of charging information carries out supplementing treatment with money.
Alternatively, the device also includes：Second pays judge module 512.
Second payment judge module 512 is used for：Judge the collection amount in untreated payment information whether less than matching
Payment in first account charging information.
In the case where the device includes the second payment judge module 512, the 3rd processing module 511 is further used for：If
Second payment judge module 512 judges to obtain collection amount less than payment, then according to collection amount, pair with first for matching
The first corresponding account of account charging information carries out supplementing treatment with money；If the second payment judge module 512 judges to obtain gathering gold
Volume is more than or equal to payment, then according to collection amount, pair first account corresponding with the first account charging information of matching
Number carry out supplementing treatment with money, and according to the second account pending business information corresponding with the first account charging information of matching,
For the second account carries out Business Processing.
Alternatively, judge to obtain situation of the collection amount more than or equal to payment in the second payment judge module 512
Under, the 3rd processing module 511 is further used for：The corresponding theory of the pending business information of the second account is deducted from the first account
Payment.
The payment processes device for providing according to embodiments of the present invention, when the means of payment is the means of payment on line, Neng Gougen
Automatically and quickly judge to whether there is problem in payment request according to the information paid in request；In delivery operation success and branch
In the case of the amount of money is paid more than or equal to theoretical payment, additionally it is possible to automatically for the first account carries out supplementing treatment with money, and be
Second account carries out Business Processing；In addition, when the means of payment is the means of payment under line, the detailed letter of payment can be automatically determined
Whether include untreated payment information in breath, and for untreated payment information, additionally it is possible to rapidly find matching
The first account charging information, and for the first account carries out supplementing treatment with money.According to the technical scheme that the present invention is provided, on line
The means of payment under the means of payment and line, all improves payment processes efficiency, optimizes payment processes mode, improves Business Processing
Efficiency, effectively reduce because the operation personnel of transaction platform it is manually operated the business operation risk brought, reduce friendship
The operation cost of easy platform.
So far, although those skilled in the art will appreciate that detailed herein have shown and described multiple of the invention and show
Example property embodiment, but, without departing from the spirit and scope of the present invention, still can be directly true according to disclosure of invention
Determine or derive many other variations or modifications for meeting the principle of the invention.Therefore, the scope of the present invention is it should be understood that and recognize
It is set to and covers all these other variations or modifications.
It will be appreciated by those skilled in the art that embodiments of the present invention can be implemented as a kind of system, device, equipment,
Method or computer program product.Additionally, the present invention is not also directed to any certain programmed language, it should be appreciated that can be using each
The content that programming language realizes present invention description is planted, and the description done to language-specific above is of the invention in order to disclose
Preferred forms.
Although it should be noted that describe some modules of payment processes device in superincumbent explanation in detail,
It is this to divide what is be merely exemplary, it is not enforceable.It will be understood to those skilled in the art that indeed, it is possible to right
Module in embodiment is adaptively changed, by the multiple block combiners in embodiment an into module, also can be by one
Individual Module Division is into multiple modules.
Additionally, although describing the present invention with particular order in the accompanying drawings implements operation, this is not required that or secretly
Showing must perform these operations according to the particular order, or the operation having to carry out shown in whole could realize desired knot
Really.Some steps can be omitted, multiple steps are merged into a step performs, or a step is divided into multiple steps and held
OK.
In sum, using payment processing method of the present invention and device, can be according to the information paid in request
Automatically and quickly judge to whether there is problem in payment request, improve payment processes efficiency, optimize payment processes side
Formula.
The method of the present invention and specific implementation method are described in detail above, and give corresponding implementation
Example.Certainly, in addition to the implementation, the present invention can also have other embodiment, all use equivalents or equivalent transformation shape
Into technical scheme, all fall within invention which is intended to be protected.
Claims (10)
1. a kind of payment processing method, it is characterised in that including：
When the means of payment is the means of payment on line, the first account payment request that the first account sends is received；Wherein, described
One account pays request to be included：Payment, the first account information and the second account being associated with first account information
Number pending business information；
The pending business information of the second account in request is paid according to first account, theoretical payment is calculated；
Judge that whether first account pays the payment in request more than or equal to the theoretical payment；
If judgement obtains the payment more than or equal to the theoretical payment, being paid according to first account please
Ask, perform the corresponding delivery operation of the first account；If judgement obtains the payment less than the theoretical payment, open up
Existing first prompt message.
2. payment processing method according to claim 1, it is characterised in that the pending business information bag of the second account
Include：Second account information；Methods described also includes：
If judgement obtains the payment more than or equal to the theoretical payment, the second account information management row are judged
Whether second account information in the second account pending business information is included in table；
If judgement obtains not including in the second account information managing listings in the pending business information of the second account
Second account information, then represent the second prompt message；
Described payment according to first account is asked, and is performed the corresponding delivery operation of the first account and is specially：If judgement is obtained
The second account information managing listings include the second account information in the pending business information of the second account, then root
Paid according to first account and asked, perform the corresponding delivery operation of the first account.
3. payment processing method according to claim 1 and 2, it is characterised in that corresponding in the first account of the execution
After delivery operation, methods described also includes：
Judge whether the delivery operation runs succeeded；
It is corresponding with the pending business information of the second account if so, then carrying out supplementing treatment with money to first account
Second account carries out Business Processing, and the theoretical payment is deducted from first account；If it is not, then represent the 3rd carrying
Show information.
4. payment processing method according to claim 1, it is characterised in that methods described also includes：
When the means of payment is the means of payment under line, is obtained every prefixed time interval and pay managing detailed catalogue；
Judge whether include untreated payment information in the payment managing detailed catalogue；
If judgement obtains the payment managing detailed catalogue includes untreated payment information, according in the untreated payment information
Payment related information, searched in the first account charging information list and payment first account that matches of related information
Charging information；
According to the collection amount in the untreated payment information, pair corresponding with the first account charging information of matching first
Account carries out supplementing treatment with money.
5. payment processing method according to claim 4, it is characterised in that described according to the untreated payment information
In collection amount, it is described before pair carrying out supplementing treatment with money with corresponding first account of the first account charging information of matching
Method also includes：
Judge the collection amount in the untreated payment information whether less than the payment in the first account charging information of matching
The amount of money；
The collection amount in the untreated payment information, pair with matching the first account charging information it is corresponding
First account is carried out supplementing treatment with money and is specially：
If judging to obtain the collection amount less than the payment, according to the collection amount, pair with first for matching
The first corresponding account of account charging information carries out supplementing treatment with money；If judgement obtains the collection amount more than or equal to described
Payment, then according to the collection amount, pair first account corresponding with the first account charging information of matching is filled
Value treatment, and be the second account according to the second account pending business information corresponding with the first account charging information of matching
Number carry out Business Processing.
6. a kind of payment processes device, it is characterised in that including：
Receiver module, please for when the means of payment is the means of payment on line, receiving the first account payment that the first account sends
Ask；Wherein, first account pays request and includes：Payment, the first account information and with first account information
The associated pending business information of the second account；
Computing module, for paying the pending business information of the second account in request, computational theory according to first account
Payment；
First pays judge module, for judging that whether first account pays the payment in request more than or equal to institute
State theoretical payment；
First processing module, if judging to obtain the payment more than or equal to described for the described first payment judge module
Theoretical payment, then pay according to first account and ask, and performs the corresponding delivery operation of the first account；If described first
Pay judge module and judge to obtain that the payment less than the theoretical payment, then represents the first prompt message.
7. payment processes device according to claim 6, it is characterised in that the pending business information bag of the second account
Include：Second account information；Described device also includes：Account information judge module；
The account information judge module is used for：If it is described first payment judge module judge obtain the payment be more than or
Equal to the theoretical payment, then judge whether include the pending industry of the second account in the second account information managing listings
The second account information in business information；
The first processing module is further used for：If the account information judge module judges to obtain second account information
Do not include the second account information in the pending business information of the second account in managing listings, then represent the second prompting letter
Breath；If the account information judge module judges that obtaining the second account information managing listings includes that second account is treated
The second account information in processing business information, then pay according to first account and ask, and performs the corresponding branch of the first account
Pay operation.
8. the payment processes device according to claim 6 or 7, it is characterised in that described device also includes：
Operation judges module：For judging whether the delivery operation runs succeeded；
Second processing module：If judging that obtaining the delivery operation runs succeeded for the operation judges module, to described
First account carries out supplementing treatment with money, is that second account corresponding with the pending business information of the second account is carried out at business
Reason, and the theoretical payment is deducted from first account；If the operation judges module judges to obtain the payment
Operation is not carried out successfully, then represent the 3rd prompt message.
9. payment processes device according to claim 6, it is characterised in that described device also includes：
Acquisition module, for when the means of payment is the means of payment under line, being obtained every prefixed time interval and paying managing detailed catalogue；
Signal judgement module, for judging whether include untreated payment information in the payment managing detailed catalogue；
Searching modul, if judging that obtaining the payment managing detailed catalogue includes untreated disbursement letter for described information judge module
Breath, then the payment related information in the untreated payment information, searches and institute in the first account charging information list
State and pay the first account charging information that related information matches；
3rd processing module, for the collection amount in the untreated payment information, pair fills with the first account for matching
The first corresponding account of value information carries out supplementing treatment with money.
10. payment processes device according to claim 9, it is characterised in that described device also includes：Second pays judgement
Module；
The second payment judge module is used for：Judge the collection amount in the untreated payment information whether less than matching
Payment in first account charging information；
3rd processing module is further used for：If the second payment judge module judges that obtaining the collection amount is less than
The payment, then according to the collection amount, pair first account corresponding with the first account charging information of matching is entered
Row supplements treatment with money；If the second payment judge module judges to obtain the collection amount more than or equal to the payment,
Then according to the collection amount, pair first account corresponding with the first account charging information of matching carries out supplementing treatment with money, and
It is that the second account carries out business according to the second account pending business information corresponding with the first account charging information of matching
Treatment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710033754.0A CN106779653A (en) | 2017-01-18 | 2017-01-18 | Payment processing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710033754.0A CN106779653A (en) | 2017-01-18 | 2017-01-18 | Payment processing method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106779653A true CN106779653A (en) | 2017-05-31 |
Family
ID=58946287
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710033754.0A Pending CN106779653A (en) | 2017-01-18 | 2017-01-18 | Payment processing method and device |
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| CN109377214A (en) * | 2018-09-26 | 2019-02-22 | 深圳壹账通智能科技有限公司 | A kind of method of payment, computer readable storage medium and server |
| WO2020215995A1 (en) * | 2019-04-23 | 2020-10-29 | 华为技术有限公司 | Electronic payment method and electronic device |
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