CN106960336A - The method and system of cross-border electric business platform American Express reimbursement automation - Google Patents
The method and system of cross-border electric business platform American Express reimbursement automation Download PDFInfo
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- CN106960336A CN106960336A CN201710150059.2A CN201710150059A CN106960336A CN 106960336 A CN106960336 A CN 106960336A CN 201710150059 A CN201710150059 A CN 201710150059A CN 106960336 A CN106960336 A CN 106960336A
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- 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
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
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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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
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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
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
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Abstract
The present invention provides a kind of method and system of cross-border electric business platform American Express reimbursement automation, and wherein method is also comprised the steps of including American Express holder initiation American Express refund request:Former deals match is carried out according to matching principle, carrying out the refund request according to refund amount judgment principle performs judgement, and the species that reimbursement is merchandised is judged according to principle of timeliness, and the species merchandised according to the reimbursement carries out reimbursement processing.The artificial work in part changes into automatic business processing by the present invention, it is to avoid artificially contacts excessive situation in the transmitting procedure of credit card number, is transmitted using cipher mode, it also avoid the risk of information leakage.Reduce a large amount of manually-operated work, it is ensured that system can be reduced operational risk, improved efficiency of operation with the American Express reimbursement flow of automatic business processing Foreign trade electronic commerce platform.
Description
Technical field
The present invention relates to network electric business service field, particularly a kind of cross-border electric business platform American Express reimbursement is certainly
The method and system of dynamicization.
Background technology
American Express(American Express)It is used as a kind of credit-card type than higher-end in global range
Type, its holder is in more than one times that the average order value of foreign trade e-commerce platform is VISA and Master Card.Simultaneously
Also above other international card brands in the accounting of B class corporate clients.Because American Express Co. is for non-united states market development
And the reason for scheme so that objectively there are the American Express receipts that Foreign trade electronic commerce platform is docked by payment gateway
List can not reimbursement on Support Line, the flow operations under line can only be passed through.
In reimbursement flow under existing actual Foreign trade electronic commerce platform American Express line, although can be most
Meet the requirement that reimbursement under American Express line is handled eventually, but there is also it is more the problem of and risk.Such as buying
Family is initiated after reimbursement, and accounting operations personnel download corresponding reimbursement letter firstly the need of from Foreign trade electronic commerce platform order module
Breath, the payment module that corresponding information then is uploaded into Foreign trade electronic commerce platform again associates corresponding credit card number information
(Credit card number information is stored encrypted in payment module, it is necessary to which the program by mandate decryption can just take credit card card
Number information), last accounting operations personnel by card number and corresponding refund amount information be sent in the form of mail receipts Dan Yin
Row is handled.Exist in this process, financial staff's operating process is complicated, operation cost is high, and there is at a relatively high behaviour
Make risk, because the card number and refund amount that are included in the final reimbursement file during this can all in the presence of what is artificially adjusted
Can, and during mail transmission, there is also the possibility of certain information leakage.
The content of the invention
In order to solve the above problems, automated the invention provides a kind of cross-border electric business platform American Express reimbursement
Method and system, the system passes through changes into automatic business processing by the artificial work in part, it is to avoid the transmission of credit card number
During artificially contact excessive situation, transmitted using cipher mode, it also avoid the risk of information leakage.
Setting the mode of bank's virtual account enables Foreign trade electronic commerce platform after the remittance of client is received, very clearly
The remittance of clear identification client, can quickly handle the non-dollar orders payment of client's submission, improve processing speed, reduce platform
Operation cost.
The concrete technical scheme of the present invention is as follows:
The first aspect of the present invention proposes a kind of method of cross-border electric business platform American Express reimbursement automation, including
American Express holder initiates American Express refund request, comprises the steps of:
Step 1:Former deals match is carried out according to matching principle;
Step 2:The refund request is carried out according to refund amount judgment principle and performs judgement;
Step 3:The species that reimbursement is merchandised is judged according to principle of timeliness;
Step 4:The species merchandised according to the reimbursement carries out reimbursement processing.
Preferably, the matching principle whether there is to judge that original is merchandised.
In such scheme preferably, when original transaction is not present, it is impossible to initiate reimbursement, reject the refund request.
In such scheme preferably, in the presence of original transaction, step 2 is performed.
In such scheme preferably, the refund amount judgment principle, which judges whether refund amount is more than, can move back residue
The amount of money.
In such scheme preferably, when refund amount, which is more than, to move back remaining sum, it is impossible to reimbursement is initiated, to the U.S.
American Express holder sends refund amount more than that can move back the prompt message of remaining sum, rejects the refund request.
In such scheme preferably, when refund amount is less than or equal to that remaining sum can be moved back, the reimbursement of buyer is accepted
Application, performs step 3.
In such scheme preferably, it is described to move back remaining sum=dealing money-refunded amount of money.
In such scheme preferably, the step 3 for deduct buyer's fund account in in the reimbursement application
Amount of money identical fund.
In such scheme preferably, the principle of timeliness is the transaction for judging to be related in the reimbursement application
Trade date and duration between the current reimbursement date whether more than 24 hours.
In such scheme preferably, the species of the reimbursement transaction includes VOID transaction and time-out transaction.
In such scheme preferably, when the transaction being related in the reimbursement application trade date with it is current
When duration between the reimbursement date is less than or equal to 24 hours, then judge that the transaction belongs to the VOID transaction.
In such scheme preferably, when the transaction is that the VOID merchandises, the step 4 is by sending out online
Play revocation transaction request.
In such scheme preferably, when the transaction being related in the reimbursement application trade date with it is current
When duration between the reimbursement date is more than 24 hours, then judge that the transaction belongs to overtime transaction.
In such scheme preferably, when the transaction is the time-out transaction, the step 4 is empty under registration line
Intend reimbursement record information, and it is successfully to update reimbursement state.
In such scheme preferably, the step 4 is also reimbursement file format under the line according to Bank of China, from number
According to the information that virtual reimbursement record under credit card number information one-level association line is decrypted in storehouse, reimbursement file content under line is generated.
In such scheme preferably, the step 4 is also according to China reimbursement file under the line of generation
The cipher mode of Beijing branch of bank agreement is transferred on the ftp server of Beijing branch of Bank of China.
The second aspect of the present invention proposes a kind of system of cross-border electric business platform American Express reimbursement automation,
The request module of American Express refund request is initiated including receiving American Express holder, also comprising following mould
Block:
Matching module:For carrying out former deals match according to matching principle;
Amount of money judge module:Judgement is performed for carrying out the refund request according to refund amount judgment principle;
Time limit judge module:For judging the species that reimbursement is merchandised according to principle of timeliness
Performing module:Species for being merchandised according to the reimbursement carries out reimbursement processing.
Preferably, the matching principle whether there is to judge that original is merchandised.
In such scheme preferably, when original transaction is not present, it is impossible to initiate reimbursement, reject the refund request.
In such scheme preferably, in the presence of original transaction, the refund request is sent to the amount of money and judged
Module.
In such scheme preferably, the refund amount judgment principle, which judges whether refund amount is more than, can move back residue
The amount of money.
In such scheme preferably, when refund amount, which is more than, to move back remaining sum, it is impossible to reimbursement is initiated, to the U.S.
American Express holder sends refund amount more than that can move back the prompt message of remaining sum, rejects the refund request.
In such scheme preferably, when refund amount is less than or equal to that remaining sum can be moved back, the reimbursement of buyer is accepted
Application, the time limit judge module is sent to by the refund request.
In such scheme preferably, it is described to move back remaining sum=dealing money-refunded amount of money.
In such scheme preferably, the time limit judge module also have deduct buyer's fund account in it is described
The function of amount of money identical fund in reimbursement application.
In such scheme preferably, the principle of timeliness is the transaction for judging to be related in the reimbursement application
Trade date and duration between the current reimbursement date whether more than 24 hours.
In such scheme preferably, the species of the reimbursement transaction includes VOID transaction and time-out transaction.
In such scheme preferably, when the transaction being related in the reimbursement application trade date with it is current
When duration between the reimbursement date is less than or equal to 24 hours, then judge that the transaction belongs to the VOID transaction.
In such scheme preferably, when the transaction is that the VOID merchandises, the performing module, which has, to be passed through
The online function of initiating revocation transaction request.
In such scheme preferably, when the transaction being related in the reimbursement application trade date with it is current
When duration between the reimbursement date is more than 24 hours, then judge that the transaction belongs to overtime transaction.
In such scheme preferably, when the transaction is the time-out transaction, the performing module has registration
Virtual reimbursement record information under line, and reimbursement state is updated for successful function.
In such scheme preferably, the performing module has reimbursement file format under the line according to Bank of China,
Decrypted from database under the information of virtual reimbursement record under credit card number information one-level association line, generation line in reimbursement file
The function of appearance.
In such scheme preferably, the performing module has reimbursement file under the line of generation according to in
The cipher mode of Beijing branch of bank of state agreement is transferred to the function on the ftp server of Beijing branch of Bank of China.
The implementation of the present invention reduces a large amount of manually-operated work, it is ensured that system can be with automatic business processing foreign trade electronics
The American Express reimbursement flow of business platform, reduces operational risk, improves efficiency of operation.
Brief description of the drawings
Fig. 1 be according to the present invention solve the virtual account of foreign trade electric business platform bank collect money difference method it is one preferred real
Apply the schematic flow sheet of example.
Fig. 2 be according to the present invention solve the virtual account of foreign trade electric business platform bank collect money difference system it is one preferred real
Apply the module map of example.
Fig. 3 be according to the present invention solve the virtual account of foreign trade electric business platform bank collect money difference method it is one preferred real
Apply bank's processing reimbursement schematic flow sheet of example.
Fig. 4 be according to the present invention solve the virtual account of foreign trade electric business platform bank collect money difference system it is one preferred real
Apply the reimbursement data model schematic diagram of example.
Fig. 5 be according to the present invention solve the virtual account of foreign trade electric business platform bank collect money difference method it is one preferred real
Apply the payment flow schematic diagram of example.
Embodiment
Embodiment 1
As shown in Figure 1 and Figure 2, step 100 is performed, American Express holder initiates to transport by request module 200 on foreground
Logical card refund request.Step 110 is performed, matching module 210 carries out former deals match.If original transaction is not present, step is performed
Rapid 115, matching module 210 sends relevant information to performing module 240, and the prompting of performing module 240 American Express holds
People's transaction is not present, it is impossible to initiate reimbursement.If former transaction is present, step 120 is performed, matching module 210 is by refund request
Amount of money judge module 220 is sent to, amount of money judge module 220, which judges whether refund amount is more than, can move back remaining sum, can move back surplus
The remaining amount of money=dealing money-refunded the amount of money.If amount of money judge module 220, which judges that refund amount is more than, can move back remaining sum,
Step 125 is performed, amount of money judge module 220 sends relevant information, the prompting of performing module 240 American Express to performing module 240
Credit cardholder's refund amount, which is more than, can move back remaining sum, it is impossible to initiate reimbursement.If amount of money judge module 220 judges reimbursement
The amount of money is less than or equal to that remaining sum can be moved back, then performs step 130, and refund request is sent to the time limit and sentenced by amount of money judge module 220
Disconnected module 230, time limit judge module 230 accepts the reimbursement application of buyer, and is deducted and reimbursement Shen from the fund account of seller
Please in identical quantity fund.Step 140 is performed, time limit judge module 230 judges time and the current reimbursement day of the transaction
Whether the time interval between the phase is more than 24 hours.If time limit judge module 230 judges the time of the transaction with currently moving back
Time interval between the money date then performed step 141 not less than 24 hours, judged that the transaction belongs to VOID transaction, time limit
The transaction information is sent to performing module 240 by judge module 230, and reimbursement information is submitted to gateway and entered by performing module 240
Row processing.Step 142 is performed, performing module 240 judges whether succeed after this refund request.If this reimbursement is unsuccessful,
Step 141 is then re-executed, gateway processes are resubmited, untill success.If this reimbursement success, performs step
143, it is successfully to update reimbursement state.If time limit judge module 230 judge time of the transaction and current reimbursement date it
Between time interval more than 24 hours, then order performs step 150 and step 160, and time limit judge module 230 is sent information to
Virtual reimbursement record information and to update reimbursement state be successfully under performing module 240, the registration line of performing module 240.Perform step
170, performing module 240 decrypts American Express card according to reimbursement file format under the line of Bank of China from database
The information of virtual reimbursement record and reimbursement file content under line is generated under number information and association line, then will be moved back under the line of generation
Money file is transferred to the ftp server of Beijing branch of Bank of China according to the cipher mode with Beijing branch of Bank of China agreement
On.Step 180 is performed, performing module 240, Beijing branch of Bank of China is normally carried out under line at reimbursement according to the flow of forgetting
Reason.
The present embodiment optimization is original American Express reimbursement flow, and reimbursement application is submitted to carrying from user
This part workflow of Beijing branch of Bank of China is given, original flow is:The first step, client is flat in Foreign trade electronic commerce
Platform initiates the refund request of American Express, after foreign trade platform is accepted successfully, generates virtual reimbursement record;Second step, wealth
Business operation personnel downloads the record of the virtual reimbursement of American Express on backstage;3rd step, financial staff believes American Express
Bank of China Beijing is mailed in lines by the form of paper mail with the record of the virtual reimbursement of card, at the same by reimbursement fund converge to
Beijing branch of Bank of China destiny account.Original flow is very cumbersome, and holder's experience is excessively poor, and the general reimbursement cycle is 15
My god.The present embodiment quickly can be divided transaction, shortened the reimbursement cycle, improved the proposal case of user.Ensure at this
The situation of artificial transmission's credit card information is not present in portion link, while realizing the process of automation.
Embodiment 2
As shown in figure 3, perform step 300, Bank of China Beijing branch is to being sent to trade company's American Express of the branch
Reimbursement record is collected.Step 310 is performed, at regular intervals, Beijing branch of Bank of China is the American Express collected
Head Office of the Bank of China is passed in credit card reimbursement record set.Step 320 is performed, the staff of Head Office of the Bank of China is each
The American Express reimbursement record that branch passes over carry out it is regular collect, then the American Express collected is moved back
Money record submits to American Express tissue.Step 330 is performed, American Express tissue Hong Kong office is according to hair
Card area is judged reimbursement record.If the American Express be not Hong Kong distribution credit card, perform step 335
The reimbursement transaction of the American Express is transmitted to the logical Malaysia of fortune and handled, and performs step 350, and fortune leads to Malay fortune
Battalion personnel submit corresponding reimbursement application in American Express system, and operation completes reimbursement.If the American Express
It is the credit card of Hong Kong distribution, then performs step 340 reimbursement of American Express transaction application is unified in the logical Hong Kong of fortune and
Row processing, performs step 350, and the operation personnel in the logical Hong Kong of fortune submits corresponding reimbursement Shen in American Express system
Please, operation completes reimbursement.
Embodiment 3
As shown in figure 4, virtual reimbursement record register information under line:For recording the letter about reimbursement under American Express line
Breath.Information includes:Buyer id, seller id, payment serial number, payment, payment currency type, refund amount, reimbursement currency type, reimbursement
Serial number, reimbursement time, transmission mark, transmission time etc..It can be seen that wherein and unregistered plaintext American Express card
Number information, is meeting PCI requirement, it is ensured that plaintext card number is not stored in any tables of data, for reimbursement text under the line of generation
Part will be transferred to Bank of China by way of encryption.
PCI refers to payment card industry data safety standard(Payment Card Industry Data Security
Standard, PCI DSS), it is a set of well accepted policies and procedures, in order to optimize credit card, debit card and existing
The safety of gold card transaction, protects the personal information of holder, anti-to be utilized by other people.Payment card industry data safety standard in
Created jointly by Visa cards, Master Card, 4 major credit card companies of Discover cards and American Express within 2004.
Embodiment 4
As shown in figure 5, performing step 500, the American Express holder of Foreign trade electronic commerce platform is in foreign trade electronics business
The free choice of goods and payments that place an order is carried out by the transaction system of platform on business platform, customer selecting uses American Express branch
Pay, input card number, the term of validity and the CVV information of American Express, and submit in transaction system order.Perform step
510, the payment information that Foreign trade electronic commerce platform submits American Express holder is by simulating the transaction of POS
It is submitted in Beijing branch of Bank of China POSP systems.Step 520 is performed, Beijing branch of Bank of China POSP systems will be paid please
Seek the POSP systems that Head Office of the Bank of China is sent to after arranging.Step 530 is performed, Head Office of the Bank of China POSP systems will be paid please
Ask and be forwarded to the single network of American Express tissue receipts.Step 540 is performed, American Express tissue is received single network and will propped up
Pay request and be forwarded to the processing of holder's credit card issuer.Step 550 is performed, holder's credit card issuer carries out authorisation process to paying request.
Step 560 is performed, after the completion of payment, Foreign trade electronic commerce platform prompting holder's payment result information, and more new order shape
State.
What the present embodiment was discussed is the American Express Card payment processes flow of Foreign trade electronic commerce platform, and line therein is upper
Journey part payment is different from VISA and Master handling process, referred here to correlation hardware device, such as encryption equipment,
POS and PSOP systems, are the trade modes of bank card receipts list under a typical line, unique difference is exactly in the present embodiment
In the POS that is related to be not entity POS, but the virtual POS simulated by software, referred to as soft POS.
POSP systems mean POS front-end systems, are mainly used in managing POS tool and the forwarding of transaction of front end, tool
Body function has:1. the key and download management of POS tool;2. the legal detection and filtering of transaction;3. transaction monitoring and point
Stream;4. a pair account background system plays a part of safeguard protection and fire wall;5. the con current control of transaction and transaction are queued up;6.
The access of POS transaction and the conversion of transaction message;7. manage enabling and closing for each access direction.
The method of cross-border electric business platform American Express reimbursement automation in the application, can be used for handling such as this
The order that holder described in embodiment submits, but it is not limited only to handle order as set forth in the present embodiment.
For a better understanding of the present invention, it is described in detail above in association with the specific embodiment of the present invention, but is not
Limitation of the present invention.Every technical spirit according to the present invention still belongs to any simple modification made for any of the above embodiments
In the scope of technical solution of the present invention.What each embodiment was stressed in this specification be it is different from other embodiments it
Same or analogous part cross-reference between place, each embodiment.For system embodiment, due to itself and method
Embodiment is corresponded to substantially, so description is fairly simple, the relevent part can refer to the partial explaination of embodiments of method.
The method of the present invention and system may be achieved in many ways.For example, can by software, hardware, firmware or
Software, hardware, any combinations of firmware realize the method for the present invention and system.The said sequence of the step of for methods described
Order described in detail above is not limited to merely to illustrate, the step of the method for the present invention, it is special unless otherwise
Do not mentionlet alone bright.In addition, in certain embodiments, the present invention can be also embodied as recording to program in the recording medium, these programs
Including the machine readable instructions for realizing the method according to the invention.Thus, the present invention also covering storage is used to perform basis
The recording medium of the program of the method for the present invention.
Description of the invention is provided for the sake of example and description, and is not exhaustively or by the present invention
It is limited to disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.Select and retouch
State embodiment and be more preferably to illustrate the principle and practical application of the present invention, and one of ordinary skill in the art is managed
The solution present invention is so as to design the various embodiments with various modifications suitable for special-purpose.
Claims (10)
1. a kind of method of cross-border electric business platform American Express reimbursement automation, including American Express holder
Initiate American Express refund request, it is characterised in that also comprise the steps of:
Step 1:Former deals match is carried out according to matching principle;
Step 2:The refund request is carried out according to refund amount judgment principle and performs judgement;
Step 3:The species that reimbursement is merchandised is judged according to principle of timeliness;
Step 4:The species merchandised according to the reimbursement carries out reimbursement processing.
2. the method for cross-border electric business platform American Express reimbursement automation according to claim 1, its feature exists
In the matching principle whether there is to judge that original is merchandised.
3. the method for cross-border electric business platform American Express reimbursement automation according to claim 2, its feature exists
In when original transaction is not present, it is impossible to initiate reimbursement, reject the refund request.
4. the method for cross-border electric business platform American Express reimbursement automation according to claim 3, its feature exists
In, in the presence of original transaction, execution step 2.
5. the method for cross-border electric business platform American Express reimbursement automation according to claim 1, its feature exists
In the refund amount judgment principle, which judges whether refund amount is more than, can move back remaining sum.
6. the method for cross-border electric business platform American Express reimbursement automation according to claim 5, its feature exists
In when refund amount, which is more than, to move back remaining sum, it is impossible to initiate reimbursement, to American Express holder transmission reimbursement gold
Volume, which is more than, can move back the prompt message of remaining sum, reject the refund request.
7. the method for cross-border electric business platform American Express reimbursement automation according to claim 5, its feature exists
In when refund amount is less than or equal to that remaining sum can be moved back, accepting the reimbursement application of buyer, perform step 3.
8. the side of the cross-border electric business platform American Express reimbursement automation according to any one of claim 5-7
Method, it is characterised in that described to move back remaining sum=dealing money-refunded amount of money.
9. the method for cross-border electric business platform American Express reimbursement automation according to claim 1, its feature exists
In, the step 3 for deduct in buyer's fund account with amount of money identical fund in the reimbursement application.
10. a kind of system of cross-border electric business platform American Express reimbursement automation, including receive American Express
Holder initiates the request module of American Express refund request, it is characterised in that also comprising with lower module:
Matching module:For carrying out former deals match according to matching principle;
Amount of money judge module:Judgement is performed for carrying out the refund request according to refund amount judgment principle;
Time limit judge module:For judging the species that reimbursement is merchandised according to principle of timeliness
Performing module:Species for being merchandised according to the reimbursement carries out reimbursement processing.
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CN111105244A (en) * | 2018-10-25 | 2020-05-05 | 阿里巴巴集团控股有限公司 | Service scheme determination method and device based on refund |
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