CN107862612A - Pay the processing method and processing device of failure - Google Patents
Pay the processing method and processing device of failure Download PDFInfo
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- CN107862612A CN107862612A CN201611233496.2A CN201611233496A CN107862612A CN 107862612 A CN107862612 A CN 107862612A CN 201611233496 A CN201611233496 A CN 201611233496A CN 107862612 A CN107862612 A CN 107862612A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
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Abstract
The invention discloses a kind of processing method for paying failure, this method flow includes：When receiving the payment fault message that core system issues, insurance card information, customer information and payment different information according to corresponding to obtaining the payment fault message；Based on the payment different information and insurance card information generation difference prompt message, and the difference prompt message is pushed into client corresponding with the customer information, so that client is based on paying failure described in the client process；The processing state of the payment different information is obtained, prompt message corresponding with the processing state is sent to the core system, for the safety position of core system insurance card according to corresponding to the processing state adjusts the insurance card information.The present invention also proposes a kind of processing unit for paying failure.The present invention solves the low technical problem of mode efficiency that processing in the prior art pays failure.
Description
Technical field
The present invention relates to electronic information technical field, more particularly to a kind of processing method and processing device for paying failure.
Background technology
With the development of insurance business, occur in the form of the sale of this entity products marketing insurance product of insurance card,
Insurance card is equivalent to the written document that insurance company and insurer sign a contract；Insurer directly can be carried out using the insurance card
Claim.The on-line selling of existing insurance card is due to the reason such as system is unstable, during on-line payment order, it is easy to order branch occurs
Failure is paid, such as successful phenomenon of not withholing occurs, system shows that order is paid successfully, but the amount of money of customer account does not have
Withhold success, cause in fact the amount of money be not transferred to system successfully；Or the phenomenon of payment is duplicated, such as due to system not
Reason, the system prompt client such as stable do not pay success, and client is paid again, and in fact system has been for the first time
Withhold success, this results in client and repeats to pay the order amount of money, and still, these situations can not be detected in pay invoice
Arrive, only can be just found when finance are checked, be usually in the prior art in regularly wealth for this processing mode therefore
When business is adjusted, client is notified to handle expense paid arrears etc., this place to agency by way of under line the payment failure detected
Not only efficiency is low for the mode of reason payment failure, and can be made troubles for client.
The content of the invention
The present invention provides a kind of processing method and processing device for paying failure, and its main purpose is solve to locate in the prior art
Manage the low technical problem of the mode efficiency of payment failure.
To achieve the above object, the present invention provides a kind of processing method for paying failure, the processing method of the payment failure
Including：
When receiving the payment fault message that core system issues, the guarantor according to corresponding to obtaining the payment fault message
Dangerous card information, customer information and payment different information；
Based on the payment different information and insurance card information generation difference prompt message, and by the difference prompt message
Client corresponding with the customer information is pushed to, so that client is based on paying failure described in the client process；
The processing state of the payment different information is obtained, is sent to the core system corresponding with the processing state
Prompt message, for the insurance of core system insurance card according to corresponding to the processing state adjusts the insurance card information
State.
Alternatively, it is described to obtain the payment difference letter when the difference amount of money in the payment different information is negative
The processing state of breath, prompt message corresponding with the processing state is sent to the core system, for the core system
Include according to corresponding to the processing state adjusts the insurance card information the step of safety position of insurance card：
After the preset duration of the difference prompt message is pushed, if it is described pay different information processing state be in
Non- pay status, then the payment untreated prompt message of failure is sent to core system, so that the core system is right
The state for the insurance card answered is when accepting insurance state, is to stop guarantor's state by the status modifier of the insurance card.
Alternatively, it is described to obtain the payment difference letter when the difference amount of money in the payment different information is negative
The processing state of breath, prompt message corresponding with the processing state is sent to the core system, for the core system
Include according to corresponding to the processing state adjusts the insurance card information the step of safety position of insurance card：
When it is pay status to detect the processing state for paying difference prompt message, sent out to the core system
Send and pay the processed prompt message of failure, so that the core system is when the state of corresponding insurance card is to stop guarantor's state,
It is state of accepting insurance by the status modifier of the insurance card.
Alternatively, it is described by the difference prompt message when the difference amount of money in the payment different information is positive number
After the step of pushing to client corresponding with the customer information, the processing method for paying failure also includes：
Payment account corresponding to the insurance card information is obtained, the difference amount of money is retracted into the payment account.
Alternatively, the processing method for paying failure also includes：
Receive the payment troubleshooting request that client is sent；
The payment troubleshooting request is sent to core system, so that the core system please to the payment failure
Ask and checked, when failure occurs to pay for being checked confirmation, generation pays fault message and simultaneously issued.
In addition, to achieve the above object, the present invention also provides a kind of processing unit for paying failure, the place of the payment failure
Reason device includes：
Data obtaining module, for when receiving the payment fault message that core system issues, event to be paid according to described
Hinder insurance card information corresponding to acquisition of information, customer information and pay different information；
Information sending module, for generating difference prompt message based on the payment different information and insurance card information, and
The difference prompt message is pushed into client corresponding with the customer information, so that client is based on the client process
The payment failure；
Described information acquisition module is additionally operable to：Obtain the processing state of the payment different information；
Described information sending module is additionally operable to：Prompting letter corresponding with the processing state is sent to the core system
Breath, for the safety position of core system insurance card according to corresponding to the processing state adjusts the insurance card information.
Alternatively, when the difference amount of money in the payment different information is negative, described information sending module is additionally operable to：
The preset duration of the difference prompt message is being pushed, if the processing state for paying different information is in not paying shape
State, then the payment untreated prompt message of failure is sent to core system, so that the core system is in corresponding insurance
The state of card is when accepting insurance state, is to stop guarantor's state by the status modifier of the insurance card.
Alternatively, described information sending module is additionally operable to：Detecting the processing state of the payment difference prompt message
For pay status when, sent to the core system and pay the processed prompt message of failure, so that the core system exists
The state of corresponding insurance card is when stopping guarantor's state, is state of accepting insurance by the status modifier of the insurance card.
Alternatively, when the difference amount of money in the payment different information is positive number, the processing unit for paying failure
Also include：
Payment processes module, for obtaining payment account corresponding to the insurance card information, the difference amount of money is retracted
To the payment account.
Alternatively, the processing unit for paying failure also includes：
Request receiving module, for receiving the payment troubleshooting request of client transmission；
Described information sending module is additionally operable to：The payment troubleshooting request is sent to core system, for described
Core system is checked the payment failed request, and when failure occurs to pay for being checked confirmation, generation pays failure and believed
Cease and issue.
The processing method and processing device proposed by the present invention for paying failure, receive the payment failure issued the letter of core system
Breath, and insurance card information, customer information and payment different information corresponding to acquisition from the payment fault message, based on payment
Different information and insurance card information generation difference prompt message, client corresponding with customer information is pushed to by difference prompt message
End, for client be based on client process pay failure, and according to pay different information processing state to and information system
Prompt message corresponding to system transmission, for the safety position of insurance card corresponding to core system adjustment.The present invention will be according to payment
The difference prompt message of fault message generation is sent to client, and is adjusted and protected according to the processing state to paying different information
The safety position nearly blocked, for the customer, it is not necessary to handled to sales counter, can be to faulted-phase judgment by channel on line
When, improve the treatment effeciency to paying failure and brought conveniently for client.
Brief description of the drawings
Fig. 1 is the flow chart for the processing method first embodiment that the present invention pays failure；
Fig. 2 is the high-level schematic functional block diagram for the processing unit first embodiment that the present invention pays failure；
Fig. 3 is the high-level schematic functional block diagram for the processing unit second embodiment that the present invention pays failure.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of processing method for paying failure.Shown in reference picture 1, the processing side of failure is paid for the present invention
The flow chart of method first embodiment.
In the present embodiment, the processing method of the payment failure includes：
Step S10, when receiving the payment fault message that core system issues, obtained according to the payment fault message
Corresponding insurance card information, customer information and payment different information.
Step S20, based on the payment different information and insurance card information generation difference prompt message, and by the difference
Prompt message pushes to client corresponding with the customer information, so that client is based on paying event described in the client process
Barrier.
The payment fault handling method that the embodiment of the present invention proposes can apply to the online sales of insurance card, can be by protecting
The core system that dangerous bayonet lock is sold periodically is checked selling successful sequence information and payment information, and failure letter is paid to obtain
Breath, or get payment fault message by other channels by core system.The present embodiment is issued receiving core system
Payment fault message when, pay different information and corresponding sequence information from paying to obtain in fault message, believe from order
The customer information and order number for paying the order are obtained in breath, inquires about insurance card information corresponding with the order number, wherein, protect
Dangerous card information can be the card number of insurance card.
After getting insurance card information, customer information and paying different information, according to payment different information and insurance card
Information generates difference prompt message, and the sequence information that payment failure occurs, corresponding insurance are included in the difference prompt message
Card information and the difference amount of money, different information is sent to client corresponding with customer information, so that client understands in time
To the details for paying fault message, and check the payment account of oneself according to the payment different information received and pay and remember
Record, and dealt with time to paying difference.
Step S30, the processing state for paying different information is obtained, is sent and the processing shape to the core system
Prompt message corresponding to state, the insurance according to corresponding to the processing state adjusts the insurance card information for the core system
The safety position of card.
The present embodiment obtains client for paying the processing state of different information, and the processing state is sent into core system
System, for the safety position of core system insurance card according to corresponding to processing state adjustment.The safety position of insurance card includes holding
Guarantor's state and stop guarantor's state, generally, after client buys insurance card and activates, this can be insured at core system
The state of card is adjusted to the state of accepting insurance.Failure is paid when core system detects that the order of insurance card is present, and current is to accept insurance
During state, it can be handled client by the status modifier of the insurance card for stopping guarantor's state and pay failure and then by the insurance card
It is revised as the state of accepting insurance.Or difference prompt message first is sent to client, if client's no processing branch within the regular hour
Failure is paid, then the insurance card is revised as to stop guarantor's state.
Specifically, can be handled according to the concrete condition for paying the difference amount of money in different information.Typically occurring
When paying failure, the difference amount of money has two kinds of situations, and a kind of is that the amount of money of order actual delivery is less than the amount of money that pay, i.e.,
The difference amount of money is negative；Another kind is that the amount of money of order actual delivery is more than the amount of money that pay, i.e. the difference amount of money is positive number.
As a kind of embodiment, when the difference amount of money in the payment different information is negative, step S30 can be wrapped
Include following refinement step：
After the preset duration of the difference prompt message is pushed, if it is described pay different information processing state be in
Non- pay status, then the payment untreated prompt message of failure is sent to core system, so that the core system is right
The state for the insurance card answered is when accepting insurance state, is to stop guarantor's state by the status modifier of the insurance card.
In this embodiment, for core system, after payment failure has been detected, payment failure is not changed
The safety position of insurance card corresponding to information, but payment fault message is first issued, pushed in the present embodiment and pay different information
After preset duration afterwards, if client sends prompt message, now, core still without the difference amount of money is paid to core system
Guarantor's state can be stopped by the state of insurance card by accepting insurance status modifier by feeling concerned about system, to avoid client's nothing in the case of unwitting
Method uses insurance card.Further, when the difference amount of money in paying different information is positive number, difference prompt message is pushed to
After client corresponding with customer information, payment account corresponding to acquisition insurance card information, the difference amount of money is retracted into
The payment account, that is to say, that first notify client there occurs failure is paid, then will to pay the failure amount of money in fault message
Return to the payment account of client, the payment account is usually that the branch used when user buys insurance card by channel on line is paid a bill
Family.
Or as another embodiment, when the difference amount of money in the payment different information is negative, step
S30 can include following refinement step：
When it is pay status to detect the processing state for paying difference prompt message, sent out to the core system
Send and pay the processed prompt message of failure, so that the core system is when the state of corresponding insurance card is to stop guarantor's state,
It is state of accepting insurance by the status modifier of the insurance card.
In this embodiment, when paying arrears expense request of client transmission is being received, is being obtained from described pay arrears in expense request
Take insurance card information and payment information, judge the payment information difference amount of money corresponding with the insurance card information whether one
Cause；If so, then confirming that the client completes the expense of paying arrears, i.e., the corresponding processing state for paying different information is to have paid shape
State, at this point it is possible to which core system, which is sent, pays the processed prompt message of failure, state of the core system in corresponding insurance card
It is state of accepting insurance by the status modifier of the insurance card during to stop guarantor's state, to enable a customer to normal use insurance card, if
The state of the insurance card is state of accepting insurance at core system, then without modification.
Further, when the difference amount of money in the payment different information is negative, core system is by insurance card
Safety position is after stopping guarantor's state by status modifier of accepting insurance, and the present embodiment is receiving the purchase card of corresponding customer information transmission
During request, forbid selling card to client corresponding to the customer information, and send the prompting of processing payment failure to the client
Information.
The processing method for the payment failure that the present embodiment proposes, the payment fault message issued of core system is received, and
Insurance card information, customer information and payment different information corresponding to being obtained from the payment fault message, based on payment difference
Information and insurance card information generation difference prompt message, client corresponding with customer information is pushed to by difference prompt message,
For client be based on client process pay failure, and according to pay different information processing state to and information system send out
Corresponding prompt message is sent, for the safety position of insurance card corresponding to core system adjustment.The present embodiment will be according to payment event
The difference prompt message of barrier information generation is sent to client, and adjusts insurance according to the processing state to paying different information
The safety position of card, for the customer, it is not necessary to handled to sales counter, when can be to faulted-phase judgment by channel on line,
Improve the treatment effeciency to paying failure and brought conveniently for client.
It is proposed that the present invention pays the second embodiment of the processing method of failure based on first embodiment.In the present embodiment,
Before step S10, the processing method of the payment failure also includes：
Receive the payment troubleshooting request that client is sent；
The payment troubleshooting request is sent to core system, so that the core system please to the payment failure
Ask and checked, when failure occurs to pay for being checked confirmation, generation pays fault message and simultaneously issued.
In this embodiment, client can be based on client and actively initiate payment troubleshooting request, and can send out
Paying in troubleshooting request for sending carries the insurance card information for occurring to pay failure, in order to carry out core to paying failed request
Right, the present embodiment will pay failed request and be sent to core system when receiving the payment troubleshooting request of client transmission
System, for core system, can according to corresponding to being searched insurance card information order, and according to the payout status of order judge
Whether client occurs to pay failure when buying the insurance card, if confirming to occur to pay failure by verification, generation is paid
Fault message simultaneously issues；If by verification, the order does not occur to pay failure when paying, then generation pays normal prompting
Information simultaneously issues, and the present embodiment is sent to client when receiving the prompt message that core system issues, by the prompt message.
Further, the present embodiment can also be sent when getting insurance card information from payment troubleshooting request to client
Notice is accepted, to prompt the client request to be accepted, so that client recognizes the processing progress for paying failure in time.
The present invention also proposes a kind of processing unit for paying failure.
Shown in reference picture 2, the high-level schematic functional block diagram of the processing unit first embodiment of failure is paid for the present invention.
In this embodiment, the processing unit of the payment failure includes：
Data obtaining module 10, for when receiving the payment fault message that core system issues, according to the payment
Insurance card information, customer information and payment different information corresponding to fault message acquisition.
Information sending module 20, for generating difference prompt message based on the payment different information and insurance card information,
And the difference prompt message is pushed into client corresponding with the customer information, so that client is based at the client
Manage the payment failure.
The payment fault treating apparatus that the embodiment of the present invention proposes can be the self-help insurance card system positioned at front end, and this is
Unite and communicated with the core system positioned at rear end, and can be with client communication；The device can apply to the online of insurance card
Sale, periodically checked by the core system of insurance card sale selling successful sequence information and payment information, to obtain
Fault message is paid, or payment fault message is got by other channels by core system.The payment failure of the present embodiment
Processing unit when receiving the payment fault message that core system issues, data obtaining module 10 from pay fault message in
Obtain and pay different information and corresponding sequence information, obtained from sequence information and pay the customer information of the order and order
Odd numbers, insurance card information corresponding with the order number is inquired about, wherein, insurance card information can be the card number of insurance card.
After getting insurance card information, customer information and paying different information, information sending module 20 is poor according to paying
Different information and insurance card information generate difference prompt message, and the order letter for occurring to pay failure is included in the difference prompt message
Breath, corresponding insurance card information and the difference amount of money, are sent to client corresponding with customer information, for visitor by different information
The details for paying fault message are recognized at family in time, and check the payment account of oneself according to the payment different information received
And payment record, and dealt with time to paying difference.
Data obtaining module 10 is additionally operable to：Obtain the processing state of the payment different information.
Information sending module 20 is additionally operable to：Prompt message corresponding with the processing state is sent to the core system,
For the safety position of core system insurance card according to corresponding to the processing state adjusts the insurance card information.
The processing unit for paying failure obtains client for paying the processing state of different information, and the processing state is sent out
Core system is sent to, for the safety position of core system insurance card according to corresponding to processing state adjustment.The insurance of insurance card
State includes accepting insurance state and stops guarantor's state, generally, after client buys insurance card and activates, at core system
The state of the insurance card can be adjusted to the state of accepting insurance.Failure is paid when core system detects that the order of insurance card is present, and
It is current for accept insurance state when, the status modifier of the insurance card can be stopped guarantor's state, client handle pay failure and then
The insurance card is revised as the state of accepting insurance.Or difference prompt message first is sent to client, if client is within the regular hour
Payment failure is not handled, then the insurance card is revised as to stop guarantor's state.
Specifically, can be handled according to the concrete condition for paying the difference amount of money in different information.Typically occurring
When paying failure, the difference amount of money has two kinds of situations, and a kind of is that the amount of money of order actual delivery is less than the amount of money that pay, i.e.,
The difference amount of money is negative；Another kind is that the amount of money of order actual delivery is more than the amount of money that pay, i.e. the difference amount of money is positive number.
As a kind of embodiment, when the difference amount of money in the payment different information is negative, information sending module
20 are additionally operable to：After the preset duration of the difference prompt message is pushed, if the processing state for paying different information is place
In non-pay status, then the payment untreated prompt message of failure is sent to core system, so that the core system exists
The state of corresponding insurance card is when accepting insurance state, is to stop guarantor's state by the status modifier of the insurance card.
In this embodiment, for core system, after payment failure has been detected, payment failure is not changed
The safety position of insurance card corresponding to information, but payment fault message is first issued, pushed in the present embodiment and pay different information
After preset duration afterwards, if client sends prompt message, now, core still without the difference amount of money is paid to core system
Guarantor's state can be stopped by the state of insurance card by accepting insurance status modifier by feeling concerned about system, to avoid client's nothing in the case of unwitting
Method uses insurance card.Further, when the difference amount of money in paying different information is positive number, the processing unit of failure is paid also
Including：Payment processes module, for obtaining payment account corresponding to the insurance card information, the difference amount of money is retracted into institute
Payment account is stated, the payment account is usually the payment account used when user buys insurance card by channel on line.
Or as another embodiment, when the difference amount of money in the payment different information is negative, information hair
Module 20 is sent to be additionally operable to：When it is pay status to detect the processing state for paying difference prompt message, to the core
Feel concerned about system and send and pay the processed prompt message of failure, for the core system in the state of corresponding insurance card to stop protecting
It is state of accepting insurance by the status modifier of the insurance card during state.
In this embodiment, when paying arrears expense request of client transmission is being received, is being obtained from described pay arrears in expense request
Take insurance card information and payment information, judge the payment information difference amount of money corresponding with the insurance card information whether one
Cause；If so, then confirming that the client completes the expense of paying arrears, i.e., the corresponding processing state for paying different information is to have paid shape
State, at this point it is possible to which core system, which is sent, pays the processed prompt message of failure, state of the core system in corresponding insurance card
It is state of accepting insurance by the status modifier of the insurance card during to stop guarantor's state, to enable a customer to normal use insurance card, if
The state of the insurance card is state of accepting insurance at core system, then without modification.
Further, when the difference amount of money in the payment different information is negative, core system is by insurance card
Safety position is after stopping guarantor's state by status modifier of accepting insurance, and the present embodiment is receiving the purchase card of corresponding customer information transmission
During request, forbid selling card to client corresponding to the customer information, and information sending module 20 is handled to the client transmission
Pay the prompt message of failure.
The processing unit for the payment failure that the present embodiment proposes, the payment fault message issued of core system is received, and
Insurance card information, customer information and payment different information corresponding to being obtained from the payment fault message, based on payment difference
Information and insurance card information generation difference prompt message, client corresponding with customer information is pushed to by difference prompt message,
For client be based on client process pay failure, and according to pay different information processing state to and information system send out
Corresponding prompt message is sent, for the safety position of insurance card corresponding to core system adjustment.The present embodiment will be according to payment event
The difference prompt message of barrier information generation is sent to client, and adjusts insurance according to the processing state to paying different information
The safety position of card, for the customer, it is not necessary to handled to sales counter, when can be to faulted-phase judgment by channel on line,
Improve the treatment effeciency to paying failure and brought conveniently for client.
It is proposed that the present invention pays the second embodiment of the processing unit of failure based on first embodiment.In the present embodiment,
Shown in reference picture 3, the processing unit of the payment failure also includes：
Request receiving module 30, for receiving the payment troubleshooting request of client transmission.
Information sending module 20 is additionally operable to：The payment troubleshooting request is sent to core system, for the core
Feel concerned about system to check the payment failed request, when failure occurs to pay for being checked confirmation, generation pays fault message
And issue.
In this embodiment, client can be based on client and actively initiate payment troubleshooting request, and in transmission
Pay in troubleshooting request and carry the insurance card information for occurring to pay failure, in order to check paying failed request,
The processing unit of failure is paid when receiving the payment troubleshooting request of client transmission, information sending module 20 will be paid
Failed request is sent to core system, for core system, can according to corresponding to being searched insurance card information order, and root
Judge whether client occurs to pay failure when buying the insurance card according to the payout status of order, if by checking confirmation
Failure is paid, then generation pays fault message and issued；If by verification, the order does not occur to pay failure when paying,
Then generation pays normal prompt message and issued, and pays the processing unit of failure in the prompting letter for receiving core system and issuing
During breath, the prompt message is sent to client by information sending module 20.Further, the present embodiment can also be former from paying
In barrier processing request when getting insurance card information, sent to client and accept notice, with prompt the client request by
Accept, so that client recognizes the processing progress for paying failure in time.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions to cause a station terminal equipment (can be mobile phone, computer, cloud
Hold server or the network equipment etc.) method that performs each embodiment of the present invention.
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row
His property includes, so that process, method, article or device including a series of elements not only include those key elements, and
And also include the other element being not expressly set out, or also include for this process, method, article or device institute inherently
Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this
Other identical element also be present in the process of key element, method, article or device.
In addition, the description for being related to " first ", " second " etc. in invention only describes purpose, and it is not intended that instruction or
Imply its relative importance or the implicit quantity for indicating indicated technical characteristic.Thus, " first ", " second " are defined
At least one this feature can be expressed or be implicitly included to feature.In addition, the technical scheme between each embodiment can phase
Mutually combine, but must can be implemented as basis with those of ordinary skill in the art, when the combination of technical scheme occurs mutually
Contradiction or when can not realize should people think that the combination of this technical scheme is not present, also not in the protection domain of application claims
Within.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of processing method for paying failure, it is characterised in that the processing method for paying failure includes：
When receiving the payment fault message that core system issues, the insurance card according to corresponding to obtaining the payment fault message
Information, customer information and payment different information；
Based on the payment different information and insurance card information generation difference prompt message, and the difference prompt message is pushed
To client corresponding with the customer information, so that client is based on paying failure described in the client process；
The processing state of the payment different information is obtained, prompting corresponding with the processing state is sent to the core system
Information, for the insurance shape of core system insurance card according to corresponding to the processing state adjusts the insurance card information
State.
2. the processing method according to claim 1 for paying failure, it is characterised in that when in the payment different information
When the difference amount of money is negative, it is described obtain it is described pay different information processing state, to the core system send with it is described
Prompt message corresponding to processing state, corresponded to so that the core system adjusts the insurance card information according to the processing state
Insurance card safety position the step of include：
After the preset duration of the difference prompt message is pushed, if the processing state for paying different information is in not propping up
The state of paying, then the payment untreated prompt message of failure is sent to core system, so that the core system is corresponding
The state of insurance card is when accepting insurance state, is to stop guarantor's state by the status modifier of the insurance card.
3. the processing method according to claim 2 for paying failure, it is characterised in that when in the payment different information
When the difference amount of money is negative, it is described obtain it is described pay different information processing state, to the core system send with it is described
Prompt message corresponding to processing state, corresponded to so that the core system adjusts the insurance card information according to the processing state
Insurance card safety position the step of include：
When it is pay status to detect the processing state for paying difference prompt message, branch is sent to the core system
Pay failure processed prompt message, so that the core system is when the state of corresponding insurance card is to stop guarantor's state, by institute
The status modifier for stating insurance card is state of accepting insurance.
4. the processing method according to claim 2 for paying failure, it is characterised in that when in the payment different information
When the difference amount of money is positive number, the described the step of difference prompt message is pushed into client corresponding with the customer information
Afterwards, the processing method for paying failure also includes：
Payment account corresponding to the insurance card information is obtained, the difference amount of money is retracted into the payment account.
5. the processing method of the payment failure according to any one of Claims 1-4, it is characterised in that the payment failure
Processing method also include：
Receive the payment troubleshooting request that client is sent；
The payment troubleshooting request is sent to core system, so that the core system is entered to the payment failed request
Row verification, when failure occurs to pay for being checked confirmation, generation pays fault message and issued.
6. a kind of processing unit for paying failure, it is characterised in that the processing unit for paying failure includes：
Data obtaining module, for when receiving the payment fault message that core system issues, being believed according to the payment failure
Insurance card information, customer information and payment different information corresponding to breath acquisition；
Information sending module, for based on the payment different information and insurance card information generation difference prompt message, and by institute
State difference prompt message and push to client corresponding with the customer information, so that client is based on described in the client process
Pay failure；
Described information acquisition module is additionally operable to：Obtain the processing state of the payment different information；
Described information sending module is additionally operable to：Prompt message corresponding with the processing state is sent to the core system, with
For the safety position of core system insurance card according to corresponding to the processing state adjusts the insurance card information.
7. the processing unit according to claim 6 for paying failure, it is characterised in that when in the payment different information
When the difference amount of money is negative, described information sending module is additionally operable to：After the preset duration of the difference prompt message is pushed, if
The processing state for paying different information is in non-pay status, then it is untreated to send the payment failure to core system
Prompt message, for the core system corresponding insurance card state for accept insurance state when, by the shape of the insurance card
State is revised as stopping guarantor's state.
8. the processing unit according to claim 7 for paying failure, it is characterised in that when in the payment different information
When the difference amount of money is negative, described information sending module is additionally operable to：Detecting the processing shape of the payment difference prompt message
State for pay status when, sent to the core system and pay the processed prompt message of failure, for the core system
It is state of accepting insurance by the status modifier of the insurance card when the state of corresponding insurance card is stops guarantor's state.
9. the processing unit according to claim 7 for paying failure, it is characterised in that when in the payment different information
When the difference amount of money is positive number, the processing unit for paying failure also includes：
Payment processes module, for obtaining payment account corresponding to the insurance card information, the difference amount of money is retracted into institute
State payment account.
10. the processing unit of the payment failure according to any one of claim 6 to 9, it is characterised in that the payment failure
Processing unit also include：
Request receiving module, for receiving the payment troubleshooting request of client transmission；
Described information sending module is additionally operable to：The payment troubleshooting request is sent to core system, for the core
System is checked the payment failed request, and when failure occurs to pay for being checked confirmation, generation pays fault message simultaneously
Issue.
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