CN108335183A - A kind of method, apparatus and equipment of refund - Google Patents

A kind of method, apparatus and equipment of refund Download PDF

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Publication number
CN108335183A
CN108335183A CN201711441913.7A CN201711441913A CN108335183A CN 108335183 A CN108335183 A CN 108335183A CN 201711441913 A CN201711441913 A CN 201711441913A CN 108335183 A CN108335183 A CN 108335183A
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CN
China
Prior art keywords
user
refund
amount
condition
money
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Application number
CN201711441913.7A
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Chinese (zh)
Inventor
赵琳娜
任峰
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Advanced New Technologies Co Ltd
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Alibaba Group Holding Ltd
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Publication date
Application filed by Alibaba Group Holding Ltd filed Critical Alibaba Group Holding Ltd
Priority to CN201711441913.7A priority Critical patent/CN108335183A/en
Publication of CN108335183A publication Critical patent/CN108335183A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/10Tax strategies
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/04Billing or invoicing, e.g. tax processing in connection with a sale

Abstract

The method, apparatus and equipment of a kind of refund of this disclosure, in this method when monitoring that user executes payment transaction, user identifier when user executes payment transaction can be obtained, according to the user identifier, the risk information of the user is found out, and is based on the risk information, judges whether the user meets setting condition, when determining that the user meets setting condition, then the number no more than the refund amount of money determined can be added in the account of the user.

Description

A kind of method, apparatus and equipment of refund
Technical field
This specification is related to field of computer technology more particularly to the method, apparatus and equipment of a kind of refund.
Background technology
Currently, the swift and violent development of global tourist industry, China have a large amount of compatriots to go to overseas travel every year, purchase External commodity are bought, to improve the quality of life of oneself.
User can go to the trade company overseas for enjoying differential refund policy to do shopping in foreign countries, and so-called differential refund policy refers to pair Overseas tourist is returned the policy of value-added tax by regulation in the refund article of refund fixed point merchant purchasing carried or transported out of the country with oneself.With In the commodity of merchant purchasing overseas for enjoying differential refund policy, the refund document that can be outputed by trade company overseas is gone to overseas at family Local customs affix one's seal, then carry after the local airport that the refund document after affixing one's seal goes to overseas handles refund business, Or after the mechanism that refunds in the refund document country of consignment after affixing one's seal that comes back home handles refund business, it can just obtain gold of refunding accordingly Volume.
Based on the prior art, more efficiently refund method is needed.
Invention content
This specification provides a kind of method of refund, and the refund mode to solve the prior art can make troubles to user The problem of.
Present description provides a kind of methods of refund, including:
When monitoring that user executes payment transaction, the payment amount of the payment transaction and the use of the user are determined Family identifies;
According to the user identifier, the risk information of the user is searched;
According to the risk information, judge whether the user meets setting condition;
When determining that the user meets setting condition, then by the number of the refund amount of money corresponding no more than the payment amount Volume is added in the account of the user.
This specification provides a kind of device of refund, and the refund mode to solve the prior art can make troubles to user The problem of.
Present description provides a kind of devices of refund, including:
Determining module determines payment amount and the institute of the payment transaction when monitoring that user executes payment transaction State the user identifier of user;
Searching module searches the risk information of the user according to the user identifier;
Judgment module judges whether the user meets setting condition according to the risk information;
Processing module will then be moved back when determining that the user meets setting condition no more than the payment amount is corresponding The number of tax volume is added in the account of the user.
This specification provides a kind of equipment of refund, and the refund mode to solve the prior art can make troubles to user The problem of.
Present description provides a kind of equipment of refund, including one or more memories and processor, the storages Device stores program, and is configured to execute following steps by one or more of processors:
When monitoring that user executes payment transaction, the payment amount of the payment transaction and the use of the user are determined Family identifies;
According to the user identifier, the risk information of the user is searched;
According to the risk information, judge whether the user meets setting condition;
When determining that the user meets setting condition, then by the number of the refund amount of money corresponding no more than the payment amount Volume is added in the account of the user.
Above-mentioned at least one technical solution that this specification uses can reach following advantageous effect:
In this specification one or more embodiment, during user executes payment transaction, if by searching for going out The user risk information, judge the user meet impose a condition, then can directly will no more than refund the amount of money number It is added in the account of the user, needs, by executing more complicated refund flow, just can accordingly be moved back relative to user For tax volume, bring great convenience during executing refund business to user and good user experience.
Description of the drawings
Attached drawing described herein is used for providing further understanding this specification, forms part of this specification, The illustrative embodiments and their description of this specification do not constitute the improper restriction to this specification for explaining this specification. In the accompanying drawings:
Fig. 1 is the schematic diagram that the active user that this specification provides handles refund business;
Fig. 2 is the detailed maps for the refund process that this specification provides;
Fig. 3 is the schematic diagram for the refund process that this specification provides;
Fig. 4 is the schematic diagram that the domestic factoring mechanism that this specification provides pays the refund amount of money to user;
Fig. 5 is a kind of schematic device for refund that this specification provides;
Fig. 6 is a kind of equipment schematic diagram for refund that this specification provides.
Specific implementation mode
Currently, user is when handling refund business, it usually needs experience following procedure, as shown in Figure 1.
Fig. 1 is the schematic diagram that the active user that this specification provides handles refund business.
1, it is traded with trade company:
User go abroad go to enjoy differential refund policy the commodity of merchant purchasing overseas when, overseas trade company can buy according to user The total value and refund ratio local overseas that commodity are consumed provide a user corresponding refund document.Remember on refund document Record has user in the consumption total value that overseas trade company is consumed, and the getable refund amount of money of institute.
2, customs is gone to affix one's seal:
User can hold the refund document and go to local customs overseas, be affixed one's seal the refund document by customs.
3.1, the refund point gone to the airport handles refund business:
Currently, user can usually handle business of refunding under line by two ways, and one is users to go to working as overseas Refund business is handled on ground airport, is come back home one is user and is handled refund business.For the former, user can hold affix one's seal after Refund document, go to the specified refund point on local airport overseas, handle business of refunding under line, usually the specified refund point meeting The clearing for carrying out the refund amount of money to user with local currency, so that user obtains the amount of money of refunding accordingly.
3.2, it comes back home and handles refund business:
User can also be after coming back home, and the refund document after affixing one's seal consigns to the country in person or by way of mailing Refund mechanism, and the refund document after refund mechanism of the country can will affix one's seal consigns to (i.e. above-mentioned trade company overseas of the mechanism of refund overseas The refund mechanism in location), the refund document after which can will affix one's seal submits to the tax bureau overseas (i.e. this is overseas Refund the tax bureau of body seat), by the refund document after affixing one's seal, to apply for this refund gold from the tax bureau overseas Volume, and then pay the refund amount of money to the user according to the account of the user write exactly on refund document.
As can be seen that in the prior art, user can not be instantly obtained when overseas buying commodity from the above process The corresponding refund amount of money, but need, by the completion more complicated flow of refund business, can just obtain the amount of money of refunding accordingly, This just brings great inconvenience to user during handling refund business, reduces the experience of user.
For this purpose, present description provides a kind of method of refund, when monitoring that user executes payment transaction, it may be determined that User executes the payment amount and user identifier when payment transaction, according to the user identifier, searches the risk for making the user Information, and it is based on the risk information, judge whether the user meets setting condition, when determining that the user meets setting condition, The number of the refund amount of money corresponding no more than the payment amount can be then added in the account of the user.
Due to during user executes payment transaction, if by searching for the risk information of the user gone out, judging The user, which meets, to impose a condition, then directly the number no more than the refund amount of money can be added in the account of the user, relatively It needs by executing more complicated refund flow in user, for the amount of money that can just obtain accordingly refunding, is moved back in execution to user It brings great convenience during tax business and good user experience.
For the refund method that this specification provides, entire refund business can substantially be divided into three parts, such as Fig. 2 It is shown.
Fig. 2 is the detailed maps for the refund process that this specification provides.
It is traded with trade company:
When user does shopping overseas in trade company, will do shopping required expense to the payment of trade company overseas, and in user and overseas During trade company carries out payment transaction, the service server for executing payment transaction can determine that user executes and this time prop up The payment amount (i.e. user do shopping in this overseas trade company spent number) for the business of paying and the user identifier of the user, and According to the user identifier, the corresponding risk information of the user is found out, and then be based on the risk information, judges whether the user is full Foot imposes a condition.It, can be directly by the corresponding refund amount of money of the payment amount if judging that the user meets to impose a condition It is partly or entirely added in the account of the user, otherwise, the refund amount of money is not added in the account of the user formerly.
Regardless of whether the user meets setting condition, overseas trade company will all output corresponding refund document to the user, So that user carry the refund document execute refund business line under flow.
Customs is gone to affix one's seal:
In this part, user will carry the refund document that overseas trade company outputs, and local customs overseas is gone to carry out It affixes one's seal.
It comes back home and handles follow-up refund business:
After user comes back home, the refund document after can affixing one's seal consigns to domestic refund mechanism, and refund mechanism of the country can be with Refund document after this is affixed one's seal consigns to refund mechanism (the refund mechanism in the i.e. above-mentioned location of trade company overseas) overseas, the border again Refund document after outer refund mechanism can affix one's seal this consigns to the tax bureau's (i.e. tax of the body seat of overseas refunding overseas Business office), to apply for the refund amount of money from this overseas tax bureau.If the user had not got the refund amount of money previously, this is overseas Refund mechanism can pay the refund amount of money applied to the user, if the user had previously got refund gold Volume, then to the mechanism of the user payment refund amount of money before the mechanism that overseas refunds can feed the refund amount of money first.
It is the substantially process for the refund method that this specification provides above, each step will be directed to below and carried out specifically It is bright.
In order to make those skilled in the art more fully understand the technical solution in this specification one or more embodiment, Below in conjunction with the attached drawing in this specification one or more embodiment, to the technology in this specification one or more embodiment Scheme is clearly and completely described, it is clear that and described embodiment is only this specification a part of the embodiment, rather than Whole embodiments.The embodiment of base in this manual, those of ordinary skill in the art are not before making creative work The every other embodiment obtained is put, the range of this specification protection should be all belonged to.
Fig. 3 is the schematic diagram for the refund process that this specification provides, and specifically includes following steps:
S300:When monitoring that user executes payment transaction, the payment amount of the payment transaction and the use are determined The user identifier at family.
User can be done shopping by way of on-line payment overseas, and therefore, user props up with trade company overseas When the business of paying, the service server for executing the payment transaction can be monitored the on-line payment performed by the user, When monitoring that the user executes payment transaction, it may be determined that user identifier when user executes the payment transaction and payment gold Volume, and then based on the user identifier determined, judge whether the user meets setting condition in the follow-up process.Wherein, here The user identifier mentioned can refer to the user identifiers such as user account, cell-phone number, identification card number.
For example, user to trade company overseas when paying the shopping amount of money, overseas trade company can be by equipment (e.g., the POS that holds The terminals such as machine, mobile phone), the payment code that is shown of scanning user, to get the user account of the user, and by user's account Number, overseas the other informations such as the merchant information of trade company, payment amount are sent in service server for this, service server is according to obtaining The other informations such as user account, merchant information, the payment amount volume got carry out payment processing, and payment result are returned respectively Back to the mobile phone of the user and this overseas in the equipment of trade company.
S302:According to the user identifier, the risk information of the user is searched.
S304:According to the risk information, judge whether the user meets setting condition.
In the present specification, service server can user user identifier for being based on when executing payment transaction, search Go out the risk information of the user, and then according to the risk information, judge whether the user meets setting condition, and then should determining When user meets setting condition, the number of the refund amount of money corresponding no more than above-mentioned payment amount is added to the account of the user In.
In other words, service server can determine whether the user is risk subscribers according to the risk information found out, When determining that the user is secured user, then some or all of refund amount of money can be directly added to the account of the user In, and when determining that the user is risk subscribers, then the refund amount of money is not added in the account of the user first.Wherein, here The risk information mentioned, which can refer to the credit score of user, promise breaking record, loan documentation etc., can reflect the user security journey The information of degree.
It imposes a condition for different risk informations, used by service server also different.For example, when business takes When the risk information that business device is determined is the credit score of the user, then it may determine that whether the credit score of the user is not less than Setting integral can then determine that the user meets setting item when determining the credit score of the user not less than setting integral Part, conversely, determining that the user is unsatisfactory for imposing a condition.
For another example when the risk information that service server is got is the loan documentation of the user, then it can be according to this The loan documentation of user determines whether the loan amount of the user is more than setting number.When determining that the loan amount of the user is super It when crossing the setting number, then can determine that the user is unsatisfactory for imposing a condition, impose a condition conversely, determining that the user meets.
For another example when the promise breaking record that the risk information that service server is got is the user, then this is may determine that Whether the promise breaking number of user is more than setting promise breaking number.When determining that the promise breaking number of the user is more than setting promise breaking number, It can then determine that the user is unsatisfactory for imposing a condition, impose a condition conversely, determining that the user meets.
Certainly, service server can also use the risk information of other forms, judge whether the user meets accordingly It imposes a condition, just differ one has been illustrated herein.
S306:When determining that the user meets setting condition, then it will be not more than the corresponding refund gold of the payment amount The number of volume is added in the account of the user.
Determine the user meet impose a condition when, can be by the part of the corresponding refund amount of money of above-mentioned payment amount or complete Portion is added in the account of the user.Wherein, the refund amount of money can be service server according to the payment amount and preset Strategy is refunded to be determined.For example, service server is when executing payment transaction, it can be to determine that the user executes branch The location information (such as GPS information) being based on when the business of paying, and according to the location information, determine and the location information phase The refund strategy matched, wherein include the correspondence between different number sections and different refund ratios in the refund strategy. Service server can determine in the refund strategy, the payment amount institute according to the payment amount involved in the payment transaction The number section fallen into, and then the refund ratio corresponding to the number section and the payment amount, that determines is corresponding The refund amount of money.Wherein, referred to herein as refund strategy determined according to the differential refund policy of local government's formulation.
Certainly, overseas trade company during executing payment transaction with the user, can according to local differential refund policy with And the payment amount paid needed for the user, determine the amount of money of refunding accordingly, and using the refund amount of money, the payment amount as Payment information is sent to service server, and service server then can directly according to the payment information that overseas trade company sends, Determine the refund amount of money.
In the present specification, service server can also pay the refund amount of money, such as by domestic factoring mechanism to user Shown in Fig. 4.
Fig. 4 is the schematic diagram that the domestic factoring mechanism that this specification provides pays the refund amount of money to user.
Service server, can be to the country for undertaking financial risks qualification when determining that the user meets setting condition Factoring mechanism sends refund instruction (can also be refund message, refund notice etc.), the corresponding factoring clothes of the factoring mechanism of the country After business device receives service server transmission refund instruction, the account information for the user that can be sent according to service server, The corresponding refund amount of money of the payment amount is added in the account of the user.Wherein, factoring server can be according to the refund The refund amount of money for including in instruction, to the user implement refund, can also according to the refund instruct in include payment amount with And preset refund strategy, determine the corresponding refund amount of money of the payment amount, and then the refund amount of money is added to the user Account in.
In the present specification, no matter whether the user meets setting condition, and service server is required for according to refund gold Volume generates corresponding refund document.Overseas the refund document can be carried out printing and is delivered in user hand by trade company.User needs to take With the refund document, local customs overseas is gone to affix one's seal, and the refund document after affixing one's seal is in person or by mailing Mode consigns to domestic refund mechanism.Refund document after refund mechanism of the country can affix one's seal this hands to machine of overseas refunding again Structure (the refund mechanism in the i.e. above-mentioned location of trade company overseas), to the tax bureau overseas (tax bureau for body seat of overseas refunding) Apply for this refund amount of money.
If it is determined that all or part of refund amount of money had previously been added in the account of the user by domestic factoring mechanism, then The mechanism of refund overseas can pay this refund amount of money of application to domestic factoring mechanism, and if the user is unsatisfactory for setting Condition, then the mechanism of refund overseas can be by this refund amount of money of application according to the account letter of the user recorded in refund document Breath, is added in the account of the user.
As can be seen that no matter whether user meets setting condition in from the above, it is required to after executing payment transaction, Execute flow under the line of refund business, wherein flow includes under the line for business of refunding:User needs to go to customs will refund document It affixes one's seal, refund mechanism in the refund document country of consignment after then affixing one's seal.However, in compared with the existing technology, user needs logical It crosses and executes more complicated refund flow, for the amount of money that can just obtain refunding accordingly, impose a condition if user meets, you can When executing payment transaction, the corresponding refund amount of money is got, this just brings pole to user during executing refund business Big convenience and good user experience.
It should be noted that user, when executing payment transaction, service server can determine the payment industry that user executes Business whether is carried out in the place for meeting refund condition, when determine the user be meet refund condition place execution branch Pay business, then subsequently can to user send prompt message, with user prompt the user execute refund business line under flow with And execute the location information of the mechanism of flow under line.Wherein, the place mentioned herein for meeting refund condition can refer to enjoying The trade company overseas of differential refund policy.
Specifically, service server can be monitored user the location of overseas, when monitoring user in border The outer local merchant purchasing overseas for enjoying differential refund policy cross commodity and the current local airport being located at overseas of the user, harbour, When the positions such as railway station, then prompt message can be sent to the user, to prompt the user that local customs overseas is gone to (to execute The mechanism of flow under line) it affixes one's seal the refund document held.Service server can also directly by this overseas locality sea The location information of pass is sent to user, to facilitate the user that local customs is gone to affix one's seal refund document.
Certainly, service server according to the ticketing information of user can also determine when that the user is prompted to go to overseas Local customs carries out affixing one's seal for refund document.For example, service server can determine the use according to the return air ticket of the user The return trip time at family, the and then on the basis of return trip time, be set in advance the time prompts the user to go to (such as three days in advance) Local customs overseas carries out affixing one's seal for refund document.
In the present specification, if service server monitors that some or all of the refund amount of money has been added to this It in the account of user, but monitors that the refund document after the user will not affix one's seal consigns to relevant refund mechanism, then may be used Determining the user, there are violations in this refund process of service execution, and then the user executes refund business next time When, some or all of the amount of money that will not refund takes the lead in being added in the account of the user.
When service server determines that refund document after affixing one's seal has been consigned to domestic refund mechanism, or the country by the user Factoring mechanism have been received by overseas refund mechanism from the refund amount of money that the tax bureau overseas applies when, then can be by service server Or factoring server will be not added with to the part refund amount of money in the account of user and be added in the account of the user, simultaneously Certain reward can be provided to the user, e.g., certain credit score is added to the user.
In the present specification, when determining that the user meets setting condition, service server can be according to the letter of the user With integral, the practical number for paying the user is determined.Such as, it is assumed that the payment involved by payment transaction is executed according to the user The amount of money, when the amount of money of determining to refund accordingly is S, then the ratio for the amount of money that can refund according to each credit score and payment it is corresponding Relationship determines number of the actual delivery to user.When the credit score of the user is 700, then it can will refund amount of money S's 70% pays the user, and when the credit score of the user is 725, then the amount of money S's that can will refund 80% pays the use Family, and so on.
The progress for executing refund business can also be pushed to overseas trade company or the use in form of a message by service server Family so that this overseas trade company or user learn the practice condition of the refund business.For example, when monitor domestic refund mechanism incited somebody to action Refund document after affixing one's seal has handed to the mechanism that overseas refunds, then can this progress be pushed to the user in form of a message.
Service server determines the account for having taken the lead in some or all of above-mentioned refund amount of money being added to the user When middle, message can be sent to the specified refund point on local airport overseas, to notify the user to get the refund amount of money. So, if the user for having got the refund amount of money carries the refund document after affixing one's seal and goes to specifying for local airport overseas Refund point, the notice which can then send according to service server do not pay the refund amount of money, to prevent to the user User occurs secondary the case where getting the refund amount of money.
It should be noted that in some countries, user can also handle refund business in local customs, obtain one The refund amount of money divided.Specifically, being equipped with the mechanism that the overseas refunds (refund in i.e. local customs location in local customs overseas Mechanism) setting refund self-service machine, by the refund self-service machine, refund document that trade company overseas is outputed scans to be uploaded user, And fill in corresponding user information, you can to obtain the refund amount of money of fixed ratio.
And in this specification, if user handles refund business by the refund self-service machine, which can incite somebody to action User information input by user is sent to the server overseas refunded corresponding to mechanism, so that the server was filled according to user User information determines the credit score of user, and when determining that the credit score reaches setting integral, can be according to the letter With integral, the corresponding amount of money of the credit score, or the above-mentioned factoring server of instruction are added into the account of user, to the user Account in add the corresponding amount of money of the credit score.It in other words, can when user handles refund business by self-service machine of refunding With the credit score according to user, how many refund amount of money is certainly added in the account of directional user, and is no longer according to fixed ratio Rate is paid to user.
For example, in the prior art, when user goes to the refund self-service machine of local customs overseas to handle refund business, then It can obtain the refund amount of money of 50% fixed ratio.And in this specification, user handles refund industry by the refund self-service machine During business, the user account that can be filled according to user of server for the mechanism that overseas refunds is determined from service server The credit score for going out the user when being more than setting integral 700, then can be indicated when determining that the credit score of the user is 710 It states factoring server the 60% refund amount of money is added in the account of the user, and when the credit score of the determining user is When 720, then it can indicate that the 70% refund amount of money is added in the account of the user by the factoring server, and so on.
It is the refund method that one or more embodiments of this specification provide above, is based on same thinking, this explanation Book additionally provides the device refunded accordingly, as shown in Figure 5.
Fig. 5 is a kind of schematic device for refund that this specification provides, and is specifically included:
Determining module 501, monitor user execute payment transaction when, determine the payment transaction payment amount and The user identifier of the user;
Searching module 502 searches the risk information of the user according to the user identifier;
Judgment module 503 judges whether the user meets setting condition according to the risk information;
It is corresponding will to be then not more than the payment amount when determining that the user meets setting condition for processing module 504 The number of the refund amount of money is added in the account of the user.
The risk information includes:The credit score of the user;
The judgment module 503, when determining the credit score of the user not less than setting integral, it is determined that the use Family, which meets, to impose a condition;Otherwise, it determines the user is unsatisfactory for imposing a condition.
The processing module 504 sends refund instruction, to indicate that the factoring server will be not more than to factoring server The corresponding number for refunding the amount of money of the payment amount is added in the account of the user.
First determining module 501 determines that the user executes the payment transaction in the place for meeting refund condition.
Described device further includes:
Reminding module 505, after determining the user in the place execution payment transaction for meeting refund condition, To user transmission prompt message, flow under the line that the prompt message is used to that the user to be prompted to execute refund business, institute It states in prompt message comprising the location information for executing the mechanism of flow under the line.
The method of refund based on above description, this specification is also corresponding to provide a kind of equipment for refund, such as Fig. 6 It is shown.The equipment includes one or more memories and processor, and the memory stores program, and is configured to by institute It states one or more processors and executes following steps:
When monitoring that user executes payment transaction, the payment amount of the payment transaction and the use of the user are determined Family identifies;
According to the user identifier, the risk information of the user is searched;
According to the risk information, judge whether the user meets setting condition;
When determining that the user meets setting condition, then by the number of the refund amount of money corresponding no more than the payment amount Volume is added in the account of the user.
In one or more embodiments of this specification, when monitoring that user executes payment transaction, use can be obtained Family executes user identifier when payment transaction, according to the user identifier, finds out the risk information of the user, and be based on the risk Information, judges whether the user meets setting condition, when determining that the user meets setting condition, then can will be not more than and determine The number of the refund amount of money gone out is added in the account of the user.
Due to during user executes payment transaction, if by searching for the risk information of the user gone out, judging When the user meets setting condition, then directly the number no more than the refund amount of money can be added in the account of the user, nothing It needs user voluntarily to go to handle refund business, to bring great convenience to user, improves user and handle refund business Efficiency.
In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example, Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit. Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device (Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " patrols Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development, And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language (Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL (Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language) etc., VHDL (Very-High-Speed are most generally used at present Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages, The hardware circuit for realizing the logical method flow can be readily available.
Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can Read medium, logic gate, switch, application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), the form of programmable logic controller (PLC) and embedded microcontroller, the example of controller includes but not limited to following microcontroller Device:ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, are deposited Memory controller is also implemented as a part for the control logic of memory.It is also known in the art that in addition to Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic Controller is obtained in the form of logic gate, switch, application-specific integrated circuit, programmable logic controller (PLC) and embedded microcontroller etc. to come in fact Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions For either the software module of implementation method can be the structure in hardware component again.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment The combination of equipment.
For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this The function of each unit is realized can in the same or multiple software and or hardware when specification.
It should be understood by those skilled in the art that, the embodiment of this specification can be provided as method, system or computer journey Sequence product.Therefore, in terms of this specification can be used complete hardware embodiment, complete software embodiment or combine software and hardware Embodiment form.Moreover, it wherein includes computer usable program code that this specification, which can be used in one or more, The computer implemented in computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) The form of program product.
This specification is with reference to the method, equipment (system) and computer according to this specification one or more embodiment The flowchart and/or the block diagram of program product describes.It should be understood that flow chart and/or side can be realized by computer program instructions The combination of the flow and/or box in each flow and/or block and flowchart and/or the block diagram in block diagram.It can provide These computer program instructions are set to the processing of all-purpose computer, special purpose computer, Embedded Processor or other programmable datas Standby processor is to generate a machine so that is executed by computer or the processor of other programmable data processing devices Instruction generates specifies for realizing in one flow of flow chart or multiple flows and/or one box of block diagram or multiple boxes Function device.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works so that instruction generation stored in the computer readable memory includes referring to Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device so that count Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, in computer or The instruction executed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one The step of function of being specified in a box or multiple boxes.
In a typical configuration, computing device includes one or more processors (CPU), input/output interface, net Network interface and memory.
Memory may include computer-readable medium in volatile memory, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology realizes information storage.Information can be computer-readable instruction, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), fast flash memory bank or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storages, magnetic tape cassette, tape magnetic disk storage or other magnetic storage apparatus Or any other non-transmission medium, it can be used for storage and can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability Including so that process, method, commodity or equipment including a series of elements include not only those elements, but also wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that wanted including described There is also other identical elements in the process of element, method, commodity or equipment.
This specification can describe in the general context of computer-executable instructions executed by a computer, such as journey Sequence module.Usually, program module include routines performing specific tasks or implementing specific abstract data types, program, object, Component, data structure etc..One or more embodiments that this specification can also be put into practice in a distributed computing environment, at this In a little distributed computing environment, by executing task by the connected remote processing devices of communication network.It is counted in distribution It calculates in environment, program module can be located in the local and remote computer storage media including storage device.
Each embodiment in this specification is described in a progressive manner, identical similar portion between each embodiment Point just to refer each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so description is fairly simple, related place is referring to embodiment of the method Part explanation.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims It is interior.In some cases, the action recorded in detail in the claims or step can be come according to different from the sequence in embodiment It executes and desired result still may be implemented.In addition, the process described in the accompanying drawings not necessarily require show it is specific suitable Sequence or consecutive order could realize desired result.In some embodiments, multitasking and parallel processing be also can With or it may be advantageous.
The foregoing is merely one or more embodiments of this specification, are not limited to this specification.For For those skilled in the art, one or more embodiments of this specification can have various modifications and variations.It is all in this explanation Any modification, equivalent replacement, improvement and so within the spirit and principle of one or more embodiments of book, should be included in Within the right of this specification.

Claims (11)

1. a kind of method of refund, including:
When monitoring that user executes payment transaction, the payment amount of the payment transaction and user's mark of the user are determined Know;
According to the user identifier, the risk information of the user is searched;
According to the risk information, judge whether the user meets setting condition;
When determining that the user meets setting condition, then the number of the refund amount of money corresponding no more than the payment amount is added It adds in the account of the user.
2. the method as described in claim 1, the risk information include:The credit score of the user;Judge the user Whether satisfaction imposes a condition, and specifically includes:
When determining the credit score of the user not less than setting integral, it is determined that the user, which meets, to impose a condition;Otherwise, Determine that the user is unsatisfactory for imposing a condition.
3. the number of the refund amount of money corresponding no more than the payment amount is added to institute by the method as described in claim 1 In the account for stating user, specifically include:
Refund instruction is sent to factoring server, to indicate that the factoring server will be moved back no more than the payment amount is corresponding The number of tax volume is added in the account of the user.
4. the number of the refund amount of money corresponding no more than the payment amount is added to institute by the method as described in claim 1 Before stating in the account of user, the method further includes:
Determine that the user executes the payment transaction in the place for meeting refund condition.
5. method as claimed in claim 4, the method further include:
After determining the user in the place execution payment transaction for meeting refund condition, sends and carry to the user Show information, flow under the line that the prompt message is used to that the user to be prompted to execute refund business includes in the prompt message Execute the location information of the mechanism of flow under the line.
6. a kind of device of refund, including:
Determining module determines the payment amount of the payment transaction and the use when monitoring that user executes payment transaction The user identifier at family;
Searching module searches the risk information of the user according to the user identifier;
Judgment module judges whether the user meets setting condition according to the risk information;
Processing module will then be not more than the corresponding refund gold of the payment amount when determining that the user meets setting condition The number of volume is added in the account of the user.
7. device as claimed in claim 6, the risk information include:The credit score of the user;The judgment module, When determining the credit score of the user not less than setting integral, it is determined that the user, which meets, to impose a condition;Otherwise, it determines The user is unsatisfactory for imposing a condition.
8. device as claimed in claim 6, the processing module send refund instruction, described in instruction to factoring server The number of the refund amount of money corresponding no more than the payment amount is added in the account of the user by factoring server.
9. device as claimed in claim 6, first determining module determine the user in the place for meeting refund condition Execute the payment transaction.
10. device as claimed in claim 9, described device further include:
Reminding module, after the place for determining the user and meeting refund condition described executes the payment transaction, to described User sends prompt message, flow under the line that the prompt message is used to that the user to be prompted to execute refund business, the prompt Include the location information for executing the mechanism of flow under the line in information.
11. a kind of equipment of refund, including one or more memories and processor, the memory stores program, and It is configured to execute following steps by one or more of processors:
When monitoring that user executes payment transaction, the payment amount of the payment transaction and user's mark of the user are determined Know;
According to the user identifier, the risk information of the user is searched;
According to the risk information, judge whether the user meets setting condition;
When determining that the user meets setting condition, then the number of the refund amount of money corresponding no more than the payment amount is added It adds in the account of the user.
CN201711441913.7A 2017-12-27 2017-12-27 A kind of method, apparatus and equipment of refund Pending CN108335183A (en)

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