CN108376362A - Method, apparatus of refunding and equipment - Google Patents

Method, apparatus of refunding and equipment Download PDF

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Publication number
CN108376362A
CN108376362A CN201810103561.2A CN201810103561A CN108376362A CN 108376362 A CN108376362 A CN 108376362A CN 201810103561 A CN201810103561 A CN 201810103561A CN 108376362 A CN108376362 A CN 108376362A
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CN
China
Prior art keywords
refund
money
amount
authorization
user identifier
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.)
Pending
Application number
CN201810103561.2A
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Chinese (zh)
Inventor
朴永彬
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Advanced New Technologies Co Ltd
Original Assignee
Alibaba Group Holding Ltd
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Alibaba Group Holding Ltd filed Critical Alibaba Group Holding Ltd
Priority to CN201810103561.2A priority Critical patent/CN108376362A/en
Publication of CN108376362A publication Critical patent/CN108376362A/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
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • 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
    • G06Q40/12Accounting
    • G06Q40/123Tax preparation or submission

Abstract

This specification embodiment discloses refund method, apparatus and equipment.User provides card number, Quick Response Code etc. in shopping to trade company, trade company is by swiping the card, the modes such as barcode scanning obtain user identifier and are traded payment, after transaction payment success, the refund amount of money is determined according to user identifier and this Transaction Information, and then refund request is initiated to refund system, it refunds.

Description

Method, apparatus of refunding and equipment
Technical field
This specification is related to field of computer technology, more particularly to refund method, apparatus and equipment.
Background technology
As the people of social development, overseas trip, work or study is also more and more, during departure, often need The problem of facing refund.
In the art, user is after the shopping payment of non-duty-free shop, it is desirable to which when refunding, trade company end has two sets and different is System, i.e. payment system and refund system, are respectively used to pay and refund;The two sales counter is different, operation separation.
Based on this, more convenient refund scheme is needed.
Invention content
This specification embodiment provides refund method, apparatus and equipment, as follows for solving the problems, such as:It is more convenient to provide Refund scheme.
Based on this, this specification embodiment provides a kind of refund method, including:
Trade company obtains user identifier;
Transaction Information and the user identifier are sent to payment system, so that payment system is completed to pay;
When receiving the successful response message of the payment transmitted by the payment system, determined according to the Transaction Information The refund amount of money;
The refund for sending the carrying refund amount of money and the user identifier is asked to refund system, so that the refund is System is refunded.
Meanwhile this specification embodiment also provides another refund method, including:
Refund system receives the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, described to move back Tax request is initiated by trade company when receiving the successful response message of payment of payment system transmission;
Confirm the account corresponding to the user identifier;
The refund amount of money is drawn to the corresponding account.
Meanwhile this specification embodiment also provides another refund method, including:
Obtain user identifier;
The pre-authorization amount of money defrosting request for carrying the user identifier is sent to refund system, so as to the refund system solution Freeze the pre-authorization amount of money on hold in the account corresponding to the user identifier;
Wherein, produced by the pre-authorization amount of money on hold is refunded in payment process by pre-authorization by user.
Corresponding, the embodiment of this specification also provides a kind of refund device, including:
Acquisition module, trade company obtain user identifier,
Payment module sends Transaction Information and the user identifier to payment system, so that payment system is completed to pay;
Determining module, when receiving the successful response message of the payment transmitted by the payment system, according to the friendship Easy information determines the refund amount of money;
Refund module, the refund for sending the carrying refund amount of money and the user identifier are asked to refund system, so as to The refund system is refunded.
Corresponding, the embodiment of this specification also provides another refund device, including:
Receiving module receives the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, described to move back Tax request is initiated by trade company when receiving the successful response message of payment that payment system is sent out;
Confirmation module confirms the account corresponding to the user identifier;
It remits money module, the refund amount of money is drawn to the corresponding account.
Corresponding, the embodiment of this specification also provides another refund device, including:
Acquisition module obtains user identifier;
Sending module sends the pre-authorization amount of money defrosting request for carrying the user identifier to refund system, so as to described The pre-authorization amount of money on hold in the account that refund system is thawed corresponding to the user identifier;
Wherein, produced by the pre-authorization amount of money on hold is refunded in payment process by pre-authorization by user.
Meanwhile this specification embodiment also provides a kind of refund equipment, including:
Memory is stored with rebate program;
Processor calls the rebate program in memory, and executes:
Trade company obtains user identifier;
Transaction Information and the user identifier are sent to payment system, so that payment system is completed to pay;
When receiving the successful response message of the payment transmitted by the payment system, determined according to the Transaction Information The refund amount of money;
The refund for sending the carrying refund amount of money and the user identifier is asked to refund system, so that the refund is System is refunded.
Corresponding, this specification embodiment also provides another refund equipment, including:
Memory is stored with rebate program;
Processor calls the rebate program in memory, and executes:
Refund system receives the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, described to move back Tax request is initiated by trade company when receiving the successful response message of payment of payment system transmission;
Confirm the account corresponding to the user identifier;
The refund amount of money is drawn to the corresponding account.
Corresponding, this specification embodiment also provides another refund equipment, including:
Memory is stored with rebate program;
Processor calls the rebate program in memory, and executes:
Obtain user identifier;
The pre-authorization amount of money defrosting request for carrying the user identifier is sent to refund system, so as to the refund system solution Freeze the pre-authorization amount of money on hold in the account corresponding to the user identifier;
Wherein, produced by the pre-authorization amount of money on hold is refunded in payment process by pre-authorization by user.
Meanwhile the embodiment of this specification also provides a kind of nonvolatile computer storage media, being stored with computer can It executes instruction, the computer executable instructions are set as:
Trade company obtains user identifier;
Transaction Information and the user identifier are sent to payment system, so that payment system is completed to pay;
When receiving the successful response message of the payment transmitted by the payment system, determined according to the Transaction Information The refund amount of money;
The refund for sending the carrying refund amount of money and the user identifier is asked to refund system, so that the refund is System is refunded.
Corresponding, the embodiment of this specification also provides another nonvolatile computer storage media, is stored with calculating Machine executable instruction, the computer executable instructions are set as:
Refund system receives the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, described to move back Tax request is initiated by trade company when receiving the successful response message of payment of payment system transmission;
Confirm the account corresponding to the user identifier;
The refund amount of money is drawn to the corresponding account.
Corresponding, the embodiment of this specification also provides another nonvolatile computer storage media, is stored with calculating Machine executable instruction, the computer executable instructions are set as:
Obtain user identifier;
The pre-authorization amount of money defrosting request for carrying the user identifier is sent to refund system, so as to the refund system solution Freeze the pre-authorization amount of money on hold in the account corresponding to the user identifier;
Wherein, produced by the pre-authorization amount of money on hold is refunded in payment process by pre-authorization by user.
Above-mentioned at least one technical solution that this specification embodiment uses can reach following advantageous effect:
Trade company obtains user identifier and is traded payment, after transaction payment success, i.e., according to user identifier and this Transaction Information determines the refund amount of money, and then initiates refund request to refund system.Through the above scheme, payment and refund are combined Together, user need to only swipe the card once or barcode scanning is primary, after completing payment, you can realize refund, without running two sales counters, fill out Cumbersome information form is write, user experience when departure refund is improved.In addition, in conjunction with user's pre-authorization mode (for example, credit Card guarantee, internet credit guarantee etc.), it can also complete to refund in real time and make loans, further increase user experience.
Description of the drawings
Fig. 1 is the system architecture schematic diagram being related to when user is paid and refunded by agency in current techniques;
The application scenarios schematic diagram involved by refund scheme that Fig. 2 is provided by this specification embodiment;
The flow diagram of refund method in terms of the trade company end that Fig. 3 is provided by this specification embodiment;
The performed flow diagram for the refund system aspects that Fig. 4 is provided by this specification embodiment;
The flow diagram for another refund method that Fig. 5 is provided by this specification embodiment;
The operation flow schematic diagram for the illustrative refund scheme that Fig. 6 is provided by this specification embodiment;
Apparatus structure schematic diagram in terms of the trade company end that Fig. 7 is provided by this specification embodiment;
The apparatus structure schematic diagram for the refund system aspects that Fig. 8 is provided by this specification embodiment;
The structural schematic diagram for another refund device that Fig. 9 is provided by this specification embodiment.
Specific implementation mode
To keep the purpose, technical scheme and advantage of the application clearer, below in conjunction with the application specific embodiment and Technical scheme is clearly and completely described in corresponding attached drawing.Obviously, described embodiment is only the application one Section Example, instead of all the embodiments.The embodiment of base in this manual, those of ordinary skill in the art are not having The every other embodiment obtained under the premise of creative work is made, shall fall in the protection scope of this application.
Fig. 1 is the system architecture schematic diagram being related to when user is paid and refunded by agency in current techniques. As shown, user needs to carry out refund reservation or secured credit card in tax refund counter to overseas non-duty-free shop's shopping payment Refund or Alipay refund business.Trade company end there are two systems, that is, payment system and refund system, be respectively used to payment and Refund, sales counter is different, operation separation, specific flow increasingly complex when being refunded by third-party agent mechanism Including:
S101, user go payment sales counter payment;
S103 goes tax refund counter, cell-phone number and payment client terminal to bind in advance by passport and cell-phone number;
S105, tax refund counter send refund information, passport and cell-phone number and go to refund agency;
S107, refund agency send cell-phone number and refund message to payment system;
S109, payment mechanism send refund client account to the agency that refunds;
It is to be confirmed to user etc. to send payment client terminal account by S111;
S113, user return to confirmation message to the agency that refunds;
S115 returns to message to payment system;
S117, payment system send reminder message to user, remind departure refund;
S119, refund mechanism send relevant information to customs;
S121, user go to customs to carry out departure confirmation;
S123, customs send refund relevant information to the agency that refunds;
S125, refund agency, which sends, confirms refund information to payment system;
S127, payment system are refunded, and are remitted money to user account.
The above process is simple to be said, it is believed that is the steps of:After user's shopping, in payment sales counter request connection payment System completes payment;User submits refund request to be dealt into refund system, refunds to tax refund counter;User, which leaves a country, to be confirmed, Complete refund.
Based on this, this specification embodiment provides refund scheme, and trade company obtains user identifier and paid, paid successfully Later, i.e., the refund amount of money is determined according to user identifier and this Transaction Information, and then refund request is initiated to refund system.
The application scenarios schematic diagram involved by refund scheme that Fig. 2 is provided by this specification embodiment.In this scenario, The refund system and payment system can belong to the subsystem of two different function in some system simultaneously, can also It is the two systems for being mutually of Cooperation relationship, only needs the payment system and refund system for same user identifier (for example, bank's card number, phone number, Digital Object Unique Identifier DOI etc. for payment), can accurately identify i.e. It can.
In the embodiment of this specification, the refund method provided can specifically include trade company's end aspect and refund system Aspect, in terms of trade company end, the flow executed includes the following steps, as shown in figure 3, Fig. 3 is implemented for this specification The flow diagram of refund method in terms of the trade company end that example is provided, including:
S301, trade company obtain user identifier.
As previously mentioned, the user identifier can be such as bank's card number, phone number, (be used for the DOI of payment In the bar code of payment or Quick Response Code etc., wherein comprising user in the correspondence account information of payment client terminal, generally multidigit Number).Swiping the card, barcode scanning or the user identifier is can be obtained by way of being manually entered.
S303 sends Transaction Information and the user identifier to payment system, so that payment system is completed to pay.
It includes user identifier, merchant identification, transaction amount etc. to be in general in Transaction Information.It is involved in the step Payment process be conventional barcode scanning payment or cCredit card payment process, repeat no more.
S305 believes when receiving the successful response message of the payment transmitted by the payment system according to the transaction Breath determines the refund amount of money.
The response message can be a specific notification message, can also be one and such as confirm The message of (Acknowledgement, ACK) mechanism.In general, in practical applications, payment system successfully terminates paying When, a notification message can be sent to user and trade company both sides, i.e., with notification message message in response.
Trade company specifically moves back after receiving the representative and paying successful response message according to the calculating of the situation of transaction Tax volume.The rule of calculating is depending on the regulation of regional law and the specific situation of commodity.For example, in H states, the amount of money of refunding =transaction amount * 10%.
S307, the refund for sending the carrying refund amount of money and the user identifier are asked to refund system, so as to described Refund system is refunded.
As previously mentioned, user had been provided when paying corresponding user identifier (bank's card number, or comprising with The DOI of family mark), trade company end is true by the user identifier acquired before without swiping the card or scanning the two-dimensional code again at this time It is set to the user identifier refunded.Other windows are gone to operate again without user.
As a kind of specific embodiment, in step S301, trade company obtains user identifier, including the following two kinds is most Common mode:
The first, trade company obtains bank's card number (including various credits card) of user, pays and refunds accordingly to carry out.
Second, user provides DOI to trade company by client, and trade company obtains corresponding digital coding by barcode scanning, with Pay and refund accordingly.
In practical applications, other user identifiers that can characterize user are likely present (for example, identity card and payment Telephone number of system binding etc.), as long as payment system and refund system can identify the user identifier simultaneously, in this explanation In book embodiment, it equally can also be used to be paid and refunded.
As a kind of specific embodiment, in S305, the refund amount of money, Ke Yishi are determined according to the Transaction Information What trade company oneself confirmed, can also be to be confirmed by relevant national revenue department, specifically, including such as under type:
In local, according to preset refund rule, the refund amount of money is determined by the Transaction Information;Alternatively,
The Transaction Information and the user identifier to related refund mechanism are sent, the related refund mechanism is received and is returned The refund amount of money returned.Refund mechanism herein can be third-party agency refund mechanism (third party refund mechanism usually with sea There is Cooperation relationship in pass, by collecting certain service charge on behalf of refund), can also be the customs department of locality.
As a kind of specific mode, said program sends in S305 and carries the refund amount of money and the user identifier Before refund request to refund system (after having had been acknowledged the refund amount of money), pre-authorization can also be initiated to refund system, So as to be refunded in real time, the mode of pre-authorization includes:
The pre-authorization for sending the carrying user identifier and the refund amount of money is asked to refund system, and to refund, system receives The pre-authorization of the refund user;The pre-authorization transmitted by refund system is received successfully to respond;Wherein, the pre-authorization is used for Refund system freezes the pre-authorization amount of money of the corresponding account of the refund mark, the pre-authorization amount of money and the refund amount of money It is related.
Specifically, when user carries out cCredit card payment, the mode for carrying out pre-authorization can be credit card pre-authorization.When with When family carries out the payment of client barcode scanning, the mode that carries out pre-authorization can be internet credit financing (that is, being provided by refund system Relevant internet credit financing product carries out pre-authorization to user).
After pre-authorization success, refund system will return to a successful response message of pre-authorization, effect with it is above-mentioned It is similar to pay successful response message, for notifying user and trade company's pre-authorization to pass through, so that trade company's end execution is next The flow (that is, initiating refund request) of step.
For system aspects of refunding, the flow executed includes the following steps, as shown in figure 4, Fig. 4 is this specification The performed flow diagram for the refund system aspects that embodiment is provided, including:
S401, refund system receive the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, institute Refund request is stated to be initiated when receiving the successful response message of payment of payment system transmission by trade company.
S403 confirms the account corresponding to the user identifier.
S405 draws the refund amount of money to the corresponding account.
Specifically, refund system can be instant when being refunded, can also be after confirming user's departure again It refunds.But it refunds, in this process, for a user, need not be carried out in the sales counter of trade company anyway Payment and then the secondary sales counter for going to other refund mechanisms carry out refund operation, improve user experience.
As a kind of specific embodiment, before refund system is refunded, trade company can according to the needs of user, Carry out reservation refund, i.e., user by trade company (in general, can pass through user inputs Cryptographic Assurance About safety;Due to paying Password had been inputted in the process, can also be not necessarily to input password) pre-authorization is carried out to refund system, freeze in user account Certain amount of money, specific included step are as follows:
Refund system receives the pre-authorization request of carrying user identifier and the refund amount of money transmitted by trade company;
Confirm the account corresponding to the user identifier;
The pre-authorization amount of money is determined according to default rule and the refund amount of money, and is freezed;
The successful response message of pre-authorization is sent to the trade company, so that the trade company initiates refund request.
In above process, the pre-authorization amount of money (amount of money freezed) is related to the refund amount of money, and default rule includes root It is multiplied by certain coefficient according to the refund amount of money, for general user, the pre-authorization amount of money should be more than the refund amount of money (that is, being 1) number is more than, can just complete pre-authorization.In this process if residual amount or credit line in user account are less than in advance Authorize the amount of money, it is likely that the situation of pre-authorization failure occurs.
In practical applications, the credit standing that can be combined with user carries out the determination of the pre-authorization amount of money.Credit is higher User, when pre-authorization, only need the lower pre-authorization amount of money that can also carry out pre-authorization even without the pre-authorization amount of money.For example, according to The behavior of user carries out integral assessment to the credit of user, if the credit score of user is more than to specify score (for example, 1000 Point), you can it can also implement pre-authorization without freezing the pre-authorization amount of money.
It should be noted that only having freezed certain amount of money in user account during pre-authorization, there is no carry out It withholds.Description was carried out above about the successful response message of pre-authorization, details are not described herein again.
After refund system receives the pre-authorization of user, then for S405, the refund amount of money is drawn to described right The account answered can take under type such as to refund:
Judge whether the corresponding account has pre-authorization, if so, directly drawing the refund amount of money to described corresponding Account.
I.e. for the successful account of pre-authorization, the mode refunded in real time can be taken, user is while paying successfully, i.e., The refund amount of money is can receive, without the waiting up to several weeks.
Certainly, if the failure of user's pre-authorization or user are not intended to refund by the way of pre-authorization, may be used also It refunds in a manner of using routine, that is, can for for S405, the refund amount of money is drawn to the corresponding account Under type such as is taken to refund:
When receiving the departure confirmation message of user, the refund amount of money is drawn to the corresponding account.
I.e. user affixes one's seal in departure in customs's progress tax-refund form, in the side by such as posting or appointed place is delivered Formula is sent to mechanism described in refund system, confirmed and then row refund.
The said program provided by this specification embodiment, user are supplied to bank of trade company card number or payment code, Trade company is paid after obtaining user identifier, after paying successfully, i.e., is moved back according to user identifier and the determination of this Transaction Information Tax volume, and then initiate refund request to refund system.Through the above scheme, payment and refund are combined, user only needs Primary or barcode scanning of swiping the card is primary, after completing payment, you can realizes refund, without running two sales counters, fills in cumbersome information table Lattice improve user experience when departure refund.In addition, in conjunction with user's pre-authorization mode (for example, secured credit card, internet Credit guarantee etc.), it can also complete to refund in real time and make loans, further increase user experience.
In the above scheme, when being refunded in real time, user authorizes refund system to carry out pre-authorization, has freezed oneself account Part fund in family needs to thaw the part fund after user comes back home, and is based on this, this specification embodiment Another refund method is also provided, as shown in figure 5, the stream for another refund method that Fig. 5 is provided by this specification embodiment Journey schematic diagram, (for example, user provides time that customs affixes one's seal after receiving come back home confirmation message of the customs for user authentication State's documentary evidence;Alternatively, customs has sent the documentary evidence of coming back home of associated user to refund system), including:
S501 obtains user identifier;For example, the passport ID by being manually entered user, the mobile phone with refund system binding Account, user identity card number etc.;Alternatively, providing the Quick Response Code comprising user identity information by client for scanning etc. Deng.
S503 sends the pre-authorization amount of money defrosting request for carrying the user identifier to refund system, so as to the refund The pre-authorization amount of money on hold in the account that system is thawed corresponding to the user identifier;Wherein, described on hold pre- Produced by authorizing the amount of money to be refunded by pre-authorization in payment process by user.
Above-mentioned apparatus is alternatively referred to as pre-authorization thawing apparatus, and user can be by initiating to solve on the apparatus after coming back home Freeze request.When refund system receives corresponding defrosting request, i.e., the pre-authorization amount of money in user account is given and thaw, concurrently Send corresponding message to user.By the above-mentioned means, user can be easily to the pre-authorization freezed in the process that pays and refund The amount of money thaws.
To make the scheme of this specification embodiment is more plain to understand, a specific payment refund one is given below Change example to be described, as shown in fig. 6, the Business Stream for the illustrative refund scheme that Fig. 6 is provided by this specification embodiment Journey schematic diagram comprising:
S601, user open client, provide Quick Response Code and paid;
S603, trade company's barcode scanning obtain user identifier;
S605 confirms Transaction Information, initiates payment request to payment system;
S607, payment system return to payment success message to trade company;
S609 initiates pre-authorization and asks to refund system according to user identifier;
S611, refund system processing pre-authorization request;
S613 returns to pre-authorization success message to trade company;
S615, trade company initiate refund request;
S617, refund system processing refund;
S619 remits money to user account, and returns the result to trade company and user.
S621, user, which obtains to come back home by customs, confirms material, and thawing apparatus is gone to ask the defrosting pre-authorization amount of money;
S623, thawing apparatus scan the Quick Response Code of subscription client, obtain user identifier;
S625 sends request extremely refund system of thawing;
S627, defrosting user's pre-authorization amount of money;
S629 sends defrosting message to user.
By above-mentioned flow, user can refund in real time when realizing shopping payment, and thaw pre-authorization again after coming back home The amount of money.
Based on same thinking, the present invention also provides a kind of refund devices, as shown in fig. 7, Fig. 7 is this specification embodiment Apparatus structure schematic diagram in terms of the trade company end provided, including:
Acquisition module 701, trade company obtain user identifier,
Payment module 703 sends Transaction Information and the user identifier to payment system, so that payment system completes branch It pays;
Determining module 705, when receiving the successful response message of the payment transmitted by the payment system, according to described Transaction Information determines the refund amount of money;
Refund module 707, the refund for sending the carrying refund amount of money and the user identifier are asked to refund system, with Toilet states refund system and refunds.
Further, the acquisition module 701, trade company obtain bank's card number of user;Alternatively, trade company scanning user provides Digital Object Unique Identifier DOI, obtain corresponding with user digital coding.
Further, the determining module 705 is determined according to preset refund rule by the Transaction Information in local The refund amount of money;Alternatively, sending the Transaction Information and the user identifier to related refund mechanism, the related refund machine is received The refund amount of money that structure is returned.
Further, described device further includes pre-authorization module 709, sends and carries the user identifier and the amount of money of refunding Pre-authorization is asked to refund system, so that the system of refunding receives the pre-authorization of the refund user;It receives transmitted by refund system Pre-authorization successfully respond;Wherein, the pre-authorization freezes the corresponding account of the refund mark for the system of refunding The pre-authorization amount of money, the pre-authorization amount of money are related to the refund amount of money.
Based on same thinking, the present invention also provides another kind refund devices, implement as shown in figure 8, Fig. 8 is this specification The apparatus structure schematic diagram for the refund system aspects that example is provided, including:
Receiving module 801 receives the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, institute Refund request is stated to be initiated when receiving the successful response message of payment that payment system is sent out by trade company;
Confirmation module 803 confirms the account corresponding to the user identifier;
Module of remitting money 805 draws the refund amount of money to the corresponding account.
Further, described device further includes pre-authorization module 807, receives the carrying user identifier transmitted by trade company and moves back The pre-authorization of tax volume is asked;Confirm the account corresponding to the user identifier;According to default rule and the refund amount of money It determines the pre-authorization amount of money, and freezes;The successful response message of pre-authorization is sent to the trade company, so that the trade company initiates to refund Request.
Further, the module 805 of remitting money, judges whether the corresponding account has pre-authorization, if so, directly by institute The refund amount of money is stated to draw to the corresponding account.
Further, the module 805 of remitting money, when receiving the departure confirmation message of user, by the refund amount of money It draws to the corresponding account.
Based on same thinking, the present invention also provides another devices of refunding, as shown in figure 9, Fig. 9 is implemented for this specification The structural schematic diagram for another refund device that example is provided, including:
Acquisition module 901 obtains user identifier;
Sending module 903 sends the pre-authorization amount of money defrosting request for carrying the user identifier to refund system, with toilet State the pre-authorization amount of money on hold in the account that refund system is thawed corresponding to the user identifier;Wherein, described to be frozen The pre-authorization amount of money of knot is by user by produced by pre-authorization refund in payment process.
Meanwhile this specification embodiment also provides a kind of refund equipment, including:
Memory is stored with rebate program;
Processor calls the rebate program in memory, and executes:
Trade company obtains user identifier;
Transaction Information and the user identifier are sent to payment system, so that payment system is completed to pay;
When receiving the successful response message of the payment transmitted by the payment system, determined according to the Transaction Information The refund amount of money;
The refund for sending the carrying refund amount of money and the user identifier is asked to refund system, so that the refund is System is refunded.
Corresponding, this specification embodiment also provides another refund equipment, including:
Memory is stored with rebate program;
Processor calls the rebate program in memory, and executes:
Refund system receives the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, described to move back Tax request is initiated by trade company when receiving the successful response message of payment of payment system transmission;
Confirm the account corresponding to the user identifier;
The refund amount of money is drawn to the corresponding account.
Corresponding, this specification embodiment also provides another refund equipment, including:
Memory is stored with rebate program;
Processor calls the rebate program in memory, and executes:
Obtain user identifier;
The pre-authorization amount of money defrosting request for carrying the user identifier is sent to refund system, so as to the refund system solution Freeze the pre-authorization amount of money on hold in the account corresponding to the user identifier;Wherein, the pre-authorization gold on hold Volume is by user by produced by pre-authorization refund in payment process.
Meanwhile the embodiment of this specification also provides a kind of nonvolatile computer storage media, being stored with computer can It executes instruction, the computer executable instructions are set as:
Trade company obtains user identifier;
Transaction Information and the user identifier are sent to payment system, so that payment system is completed to pay;
When receiving the successful response message of the payment transmitted by the payment system, determined according to the Transaction Information The refund amount of money;
The refund for sending the carrying refund amount of money and the user identifier is asked to refund system, so that the refund is System is refunded.
Corresponding, the embodiment of this specification also provides another nonvolatile computer storage media, is stored with calculating Machine executable instruction, the computer executable instructions are set as:
Refund system receives the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, described to move back Tax request is initiated by trade company when receiving the successful response message of payment of payment system transmission;
Confirm the account corresponding to the user identifier;
The refund amount of money is drawn to the corresponding account.
Corresponding, the embodiment of this specification also provides another nonvolatile computer storage media, is stored with calculating Machine executable instruction, the computer executable instructions are set as:
Obtain user identifier;
The pre-authorization amount of money defrosting request for carrying the user identifier is sent to refund system, so as to the refund system solution Freeze the pre-authorization amount of money on hold in the account corresponding to the user identifier;Wherein, the pre-authorization gold on hold Volume is by user by produced by pre-authorization refund in payment process.
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 device, For equipment and medium class embodiment, since it is substantially similar to the method embodiment, so description is fairly simple, related place Illustrate referring to the part of embodiment of the method, just no longer repeats one by one here.
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 or module can be according to different from embodiments Sequence executes and desired result still may be implemented.In addition, the process described in the accompanying drawings is not necessarily required and is shown Particular order or consecutive order could realize desired result.In some embodiments, multitasking and parallel processing It is also possible or it may be advantageous.
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 the embodiment of specification.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention Apply the form of example.Moreover, the present invention can be used in one or more wherein include computer usable program code computer The computer program production implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions every first-class in flowchart and/or the block diagram The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided Instruct the processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine so that the instruction executed by computer or the processor of other programmable data processing devices is generated for real The device for the function of being specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
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), the data letter number and carrier wave of such as 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.
It will be understood by those skilled in the art that embodiment one or more in this specification can be provided as method, system or Computer program product.Therefore, complete hardware embodiment, complete software embodiment or combination can be used in the embodiment of this specification Form in terms of software and hardware.Moreover, it wherein includes computer that the embodiment of this specification, which can be used in one or more, The computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of usable program code The form of the computer program product of upper implementation.
The embodiment of this specification can retouch in the general context of computer-executable instructions executed by a computer It states, such as program module.Usually, program module include execute particular transaction or realize particular abstract data type routine, Program, object, component, data structure etc..The embodiment that this specification can also be put into practice in a distributed computing environment, at this In a little distributed computing environment, by executing affairs 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.

Claims (21)

1. a kind of refund method, including:
Trade company obtains user identifier;
Transaction Information and the user identifier are sent to payment system, so that payment system is completed to pay;
When receiving the successful response message of the payment transmitted by the payment system, is determined and refunded according to the Transaction Information The amount of money;
Send carry it is described refund the amount of money and the user identifier refund ask to refund system, so as to the refund system into Row refund.
2. the method as described in claim 1, trade company obtains user identifier, including:
Trade company obtains bank's card number of user;Alternatively,
The Digital Object Unique Identifier DOI that user provides is scanned in trade company, obtains digital coding corresponding with the user.
3. the method as described in claim 1 determines the refund amount of money according to the Transaction Information, including:
In local, according to preset refund rule, the refund amount of money is determined by the Transaction Information;Alternatively,
The Transaction Information and the user identifier to related refund mechanism are sent, receives what the related refund mechanism was returned The refund amount of money.
4. the method as described in claim 1, send the refund for carrying the refund amount of money and the user identifier ask to Before refund system, further include:
The pre-authorization for sending the carrying user identifier and the refund amount of money is asked to refund system, to refund described in system reception The pre-authorization of refund user;
The pre-authorization transmitted by refund system is received successfully to respond;
Wherein, the pre-authorization freezes the pre-authorization amount of money of the corresponding account of the refund mark for the system of refunding, described The pre-authorization amount of money is related to the refund amount of money.
5. a kind of refund method, including:
Refund system receives the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, the refund is asked It asks and is initiated by trade company when receiving the successful response message of payment of payment system transmission;
Confirm the account corresponding to the user identifier;
The refund amount of money is drawn to the corresponding account.
6. the method as described in claim 5 receives the carrying refund amount of money and user identifier transmitted by trade company in refund system Refund request before, further include:
Refund system receives the pre-authorization request of carrying user identifier and the refund amount of money transmitted by trade company;
Confirm the account corresponding to the user identifier;
The pre-authorization amount of money is determined according to default rule and the refund amount of money, and is freezed;
The successful response message of pre-authorization is sent to the trade company, so that the trade company initiates refund request.
7. method as claimed in claim 6, the refund amount of money is drawn to the corresponding account, including:
Judge whether the corresponding account has pre-authorization, if so, directly drawing the refund amount of money to the corresponding account.
8. the method as described in claim requires 5 draws the refund amount of money to the corresponding account, including:
When receiving the departure confirmation message of user, the refund amount of money is drawn to the corresponding account.
9. a kind of refund method, after receiving come back home confirmation message of the customs for user authentication, including:
Obtain user identifier;
The pre-authorization amount of money defrosting request for carrying the user identifier is sent to refund system, so as to refund system defrosting institute State the pre-authorization amount of money on hold in the account corresponding to user identifier;
Wherein, produced by the pre-authorization amount of money on hold is refunded in payment process by pre-authorization by user.
10. a kind of refund device, including:
Acquisition module, trade company obtain user identifier,
Payment module sends Transaction Information and the user identifier to payment system, so that payment system is completed to pay;
Determining module is believed when receiving the successful response message of the payment transmitted by the payment system according to the transaction Breath determines the refund amount of money;
Refund module, the refund for sending the carrying refund amount of money and the user identifier are asked to refund system, so as to described Refund system is refunded.
11. device as claimed in claim 10, the acquisition module, trade company obtain bank's card number of user;Alternatively, trade company sweeps The Digital Object Unique Identifier DOI of user's offer is provided, digital coding corresponding with the user is obtained.
12. device as claimed in claim 10, the determining module, in local, according to preset refund rule, by the friendship Easy information determines the refund amount of money;Alternatively, the Transaction Information and the user identifier to related refund mechanism are sent, described in reception The refund amount of money that correlation refund mechanism is returned.
13. device as claimed in claim 10 further includes pre-authorization module, sends and carry the user identifier and the refund amount of money Pre-authorization ask to refund system, so as to the system of refunding receive it is described refund user pre-authorization;Refund system is received to be sent out The pre-authorization sent successfully responds;Wherein, the pre-authorization freezes the corresponding account of the refund mark for the system of refunding The pre-authorization amount of money, the pre-authorization amount of money is related to the refund amount of money.
14. a kind of refund device, including:
Receiving module receives the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, the refund is asked It asks and is initiated by trade company when receiving the successful response message of payment that payment system is sent out;
Confirmation module confirms the account corresponding to the user identifier;
It remits money module, the refund amount of money is drawn to the corresponding account.
15. the device as described in claim 14 further includes pre-authorization module, receive carrying user identifier transmitted by trade company and The pre-authorization request of the refund amount of money;Confirm the account corresponding to the user identifier;According to default rule and refund gold Volume determines the pre-authorization amount of money, and freezes;The successful response message of pre-authorization is sent to the trade company, so that the trade company initiates to move back Tax is asked.
16. device as claimed in claim 15, the module of remitting money, judge whether the corresponding account has pre-authorization, if Have, directly draws the refund amount of money to the corresponding account.
17. the device as described in claim requires 14, the module of remitting money, when receiving the departure confirmation message of user, The refund amount of money is drawn to the corresponding account.
18. a kind of refund device, including:
Acquisition module obtains user identifier;
Sending module sends the pre-authorization amount of money defrosting request for carrying the user identifier to refund system, so as to the refund The pre-authorization amount of money on hold in the account that system is thawed corresponding to the user identifier;
Wherein, produced by the pre-authorization amount of money on hold is refunded in payment process by pre-authorization by user.
19. a kind of refund equipment, including:
Memory is stored with rebate program;
Processor calls the rebate program in memory, and executes:
Trade company obtains user identifier;
Transaction Information and the user identifier are sent to payment system, so that payment system is completed to pay;
When receiving the successful response message of the payment transmitted by the payment system, is determined and refunded according to the Transaction Information The amount of money;
Send carry it is described refund the amount of money and the user identifier refund ask to refund system, so as to the refund system into Row refund.
20. a kind of refund equipment, including:
Memory is stored with rebate program;
Processor calls the rebate program in memory, and executes:
Refund system receives the refund request of the carrying refund amount of money and user identifier transmitted by trade company;Wherein, the refund is asked It asks and is initiated by trade company when receiving the successful response message of payment of payment system transmission;
Confirm the account corresponding to the user identifier;
The refund amount of money is drawn to the corresponding account.
21. a kind of refund equipment, including:
Memory is stored with rebate program;
Processor calls the rebate program in memory, and executes:
Obtain user identifier;
The pre-authorization amount of money defrosting request for carrying the user identifier is sent to refund system, so as to refund system defrosting institute State the pre-authorization amount of money on hold in the account corresponding to user identifier;
Wherein, produced by the pre-authorization amount of money on hold is refunded in payment process by pre-authorization by user.
CN201810103561.2A 2018-02-01 2018-02-01 Method, apparatus of refunding and equipment Pending CN108376362A (en)

Priority Applications (1)

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TW107145580A TW201935373A (en) 2018-02-01 2018-12-18 Tax refund method, apparatus and device
PCT/CN2019/071684 WO2019149055A1 (en) 2018-02-01 2019-01-15 Tax refund method, apparatus and device

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