CN108805566A - payment application processing method, device and equipment - Google Patents
payment application processing method, device and equipment Download PDFInfo
- Publication number
- CN108805566A CN108805566A CN201810482891.7A CN201810482891A CN108805566A CN 108805566 A CN108805566 A CN 108805566A CN 201810482891 A CN201810482891 A CN 201810482891A CN 108805566 A CN108805566 A CN 108805566A
- Authority
- CN
- China
- Prior art keywords
- payment
- document
- information
- payment application
- strategy
- 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
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
This specification embodiment provides a kind of payment application processing method, device and equipment, wherein payment application processing unit can be incorporated in operation system, the device can need to configure switching strategy according to business, to decide whether to start the identification to payment request, such as, when plant failure or exception, the identification process in identification module can be enabled to close by the configuration of switching strategy.In the case where identification process starts, the payment application initiated in real time online can be identified in identification process, to determine whether the payment application belongs to repetition payment；On the basis of the recognition result, flexible configuration processing strategy can be needed according to business, such as can directly refuse the payment application for belonging to repetition payment as needed, can also determine whether application of refusing payment in conjunction with other factors.It can find to repeat to pay the bill in time using the payment application processing unit of this specification, the process demand to repeating payment in payment business can be solved.
Description
Technical field
This specification embodiment is related to Internet technical field more particularly to payment application processing method, device and equipment.
Background technology
Under normal conditions, the initiation process of payment business includes：The initiator that pays the bill initiates payment application, and payment receiving party connects
After bank settlement application, accepts the payment application and complete business of withholing, and the result that will withhold returns to payment initiator.
In actual use, it is possible to due to network timeout or the influence of other factors, it may occur that payment request does not have
There are the case where returning to definite result, payment initiator that may repeat to initiate payment application.In face of the repetition payment that may occur
How application, be treated as technical problem urgently to be resolved hurrily.
Invention content
To overcome the problems in correlation technique, present description provides payment application processing method, device and equipment.
According to this specification embodiment in a first aspect, providing a kind of payment application processing unit, described device is applied to
Operation system, including：Policy module, identification module and determination module；
The policy module, is used for：It determines the switching strategy to come into force, and is sent to the identification module；And determine life
The processing strategy of effect, and it is sent to the control module；
The identification module, is used for：According to the instruction of the switching strategy, it is determined whether triggering identification process；Wherein, institute
Stating identification process includes：Whether identification payment application belongs to repetition payment, and recognition result is sent to the control module；
The determination module, is used for：The recognition result to the payment application is received, in conjunction with the finger of the processing strategy
Show, determines whether to refuse the payment application.
Optionally, the processing strategy includes following any：
Using the recognition result as the processing strategy of judgment basis；
It is preferential with blacklist and/or white list, in conjunction with the processing strategy that the recognition result is judgment basis；Wherein, institute
Stating blacklist characterization needs the payment application refused, the white list characterization to need the payment application accepted.
Optionally, the white list record has：It is mistaken for the payment application for repeating to pay the bill.
Optionally, the blacklist record has：Has risky payment application.
Optionally, the identification process, specifically includes：
The pending payment document of corresponding payment application is obtained, the pending payment document includes payment business information；
It based on the consistency of payment business information, identifies whether the pending payment document matches with specified document, is referred to
Show whether the payment application belongs to the recognition result of repetition payment.
Optionally, the specified document meets following one or more conditions：
In preset time range storage, it is identical as the payment account information of pending payment document or with the pending payment
The Payment Amount information of document is identical.
Optionally, the payment business information, including it is following one or more：
Payment Amount information, payment account information, collecting account information, the identity information of Send only Account, collecting account
Identity information, means of payment information, product information or payment cause information.
Optionally, if any payment business information is different, the pending payment document is mismatched with specified document；If all
Payment business information is identical, then the pending payment document is matched with specified document.
According to the second aspect of this specification embodiment, a kind of payment application processing method is provided, including：
It determines the switching strategy to come into force, and determines the processing strategy to come into force；
According to the instruction of the switching strategy, it is determined whether triggering identification process；Wherein, the identification process includes：Know
Whether other payment application belongs to repetition payment, and recognition result is sent to the control module；
The recognition result to the payment application is received, in conjunction with the instruction of the processing strategy, is determined whether described in refusal
Payment application.
Optionally, the processing strategy includes following any：
Using the recognition result as the processing strategy of judgment basis；
It is preferential with blacklist and/or white list, in conjunction with the processing strategy that the recognition result is judgment basis；Wherein, institute
Stating blacklist characterization needs the payment application refused, the white list characterization to need the payment application accepted.
Optionally, the white list record has：It is mistaken for the payment application for repeating to pay the bill.
Optionally, the blacklist record has：Has risky payment application.
Optionally, the identification process, specifically includes：
The pending payment document of the corresponding payment application is obtained, the pending payment document includes payment business information；
It based on the consistency of payment business information, identifies whether the pending payment document matches with specified document, is referred to
Show whether the payment application belongs to the recognition result of repetition payment.
Optionally, the specified document meets following one or more conditions：
In preset time range storage, it is identical as the payment account information of pending payment document or with the pending payment
The Payment Amount information of document is identical.
Optionally, the payment business information, including it is following one or more：
Payment Amount information, payment account information, collecting account information, the identity information of Send only Account, collecting account
Identity information, means of payment information, product information or payment cause information.
Optionally, if any payment business information is different, the pending payment document is mismatched with specified document；If all
Payment business information is identical, then the pending payment document is matched with specified document.
According to the third aspect of this specification embodiment, a kind of payment application processing equipment is provided, including：
Processor；
Memory for storing processor-executable instruction；
Wherein, the processor is configured as：
It determines the switching strategy to come into force, and determines the processing strategy to come into force；
According to the instruction of the switching strategy, it is determined whether triggering identification process；Wherein, the identification process includes：Know
Whether other payment application belongs to repetition payment, and recognition result is sent to the control module；
The recognition result to the payment application is received, in conjunction with the instruction of the processing strategy, is determined whether described in refusal
Payment application.
The technical solution that the embodiment of this specification provides can include the following benefits：
This specification embodiment provides a kind of payment application processing unit, which can be incorporated in payment business system
In, which can need to configure switching strategy according to business, to decide whether to start the identification to payment request, for example,
When plant failure or exception, the identification process in identification module can be enabled to close by the configuration of switching strategy.
In the case where identification process starts, the payment application initiated in real time online can be identified in identification process,
To determine whether the payment application belongs to repetition payment；On the basis of the recognition result, it can need flexibly to match according to business
Processing strategy is set, such as can directly refuse the payment application for belonging to repetition payment as needed, other factors can also be combined
Determine whether application of refusing payment.
To sum up, it can find to repeat to pay the bill in time using the payment application processing unit of this specification, can solve to pay the bill
Process demand in business to repeating to pay the bill.
It should be understood that above general description and following detailed description is only exemplary and explanatory, not
This specification can be limited.
Description of the drawings
The drawings herein are incorporated into the specification and forms part of this specification, and shows the reality for meeting this specification
Apply example, and the principle together with specification for explaining this specification.
Fig. 1 is a kind of payment processing schematic diagram of a scenario of this specification shown according to an exemplary embodiment.
Fig. 2 is a kind of block diagram of payment application processing unit of this specification shown according to an exemplary embodiment.
Fig. 3 A are a kind of payment application processing schematic diagram of this specification shown according to an exemplary embodiment.
Fig. 3 B are a kind of schematic diagrames of policy module acquisition strategy of this specification shown according to an exemplary embodiment.
Fig. 3 C are a kind of operation signals of payment application processing unit of this specification shown according to an exemplary embodiment
Figure.
Fig. 4 is a kind of hardware structure diagram of equipment where payment application processing unit.
Fig. 5 is a kind of flow chart of payment application processing method of this specification shown according to an exemplary embodiment.
Specific implementation mode
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent device and method of some aspects be described in detail in attached claims, this specification.
It is the purpose only merely for description specific embodiment in the term that this specification uses, is not intended to be limiting this explanation
Book.The "an" of used singulative, " described " and "the" are also intended to packet in this specification and in the appended claims
Most forms are included, unless context clearly shows that other meanings.It is also understood that term "and/or" used herein is
Refer to and include one or more associated list items purposes any or all may combine.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used for same type of information being distinguished from each other out.For example, not taking off
In the case of this specification range, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determination ".
As shown in Figure 1, being a kind of payment processing schematic diagram of a scenario of this specification shown according to an exemplary embodiment.Figure
1 includes payment initiator (abbreviation initiator) and payment receiving party (abbreviation receiving party), and initiator is configured with operation system, should
Operation system can initiate payment application.Receiving party is also configured with operation system, which can receive payment application, and
It accepts the payment application and completes business of withholing, result of withholing is returned to the operation system of initiator.
Optionally, the operation system of initiator and the operation system of receiving party are deployed with database respectively, with storage and
Management business data.When needing payment, the operation system of initiator generates pending payment document and is stored in database, this waits paying
Money document includes much information, such as payment initiator and the unique payment application number for receiving party's agreement of paying the bill (are also referred to as power
Equal sign), payment request initiate the time, payment time, O/No., Payment Amount, Send only Account, collecting account, Send only Account
Identity information, the identity information of collecting account, means of payment information, product information or payment cause information etc..Initiator
Operation system can be based on the pending payment document and generate payment application, can carry in payment application some or all of as above
Information.
The payment application can be sent to the operation system of receiving party by the operation system of initiator.The business system of receiving party
After system receives the payment application, payment request can be converted to a document to be paid, and preserve into database.It is optional
, document to be paid is in addition to that may include in payment application other than some or all of entrained information, it is also possible to include by
The other information that reason side is written, such as the receiving time of payment request, payment deadline, document status etc..As an example,
Document status may include pending payment, received payment, keep accounts, and receiving party is according to the execution feelings of the operation flows such as payment business
Condition can correspondingly change the state of this bar document.After payment receiving party accepts payment application, flow of withholing can be started, later
The result that will withhold returns to receiving party.
Due to network timeout or the influence of other factors, it may occur that payment request does not return to the feelings of definite result
Condition, initiator can repeat to initiate payment application.Based on this, this specification embodiment provides a kind of payment application processing unit,
As shown in Fig. 2, be a kind of block diagram of payment application processing unit of this specification shown according to an exemplary embodiment, including：
Policy module 21, identification module 22 and determination module 23.
The policy module 21, is used for：It determines the switching strategy to come into force, and is sent to the identification module；And it determines
The processing strategy to come into force, and it is sent to the control module.
The identification module 22, is used for：According to the instruction of the switching strategy, it is determined whether triggering identification process；Wherein,
The identification process includes：Whether identification payment application belongs to repetition payment, and recognition result is sent to the control module.
The determination module 23, is used for：The recognition result to the payment application is received, in conjunction with the finger of the processing strategy
Show, determines whether to refuse the payment application.
In practical application, the payment application processing unit of this specification embodiment can be applied to the operation system of initiator,
It can also be applied to the operation system of receiving party.As an example, if payment application processing unit is applied to the operation system of initiator,
Payment application initiation after, to before being sent to the operation system of receiving party, determine whether to refuse by payment application processing unit
The payment application.If payment application processing unit is applied to the operation system of receiving party, after receiving payment application, to accepting
Before the payment application, determined whether to refuse the payment application by payment application processing unit.As can be seen that by existing industry
Payment application processing unit is introduced in business system, which can control the function modules such as existing payment application, but
It is transformed without the existing function module to operation system, it is smaller to having the influence of operation system.
In the present embodiment, payment application processing unit includes there are three module, and policy synchronization, identification mould are responsible in policy module
Block is responsible for identifying whether payment application belongs to repetition payment, and determination module is responsible for deciding whether to refuse payment application.Wherein, it identifies
Module is responsible for identification and repeats to pay the bill, it is contemplated that is likely to occur some in practical application and is expected unexpected situation, such as is paid normal
Inscriptions Wei not repeat payment to be occurred to intercept in regular traffic or other dysfunctions, such as device operational process
Uncontrollable software anomaly, has influenced regular traffic, needs to realize isolation features, to realize quick isolated fault, recovery
Regular traffic.Therefore, the policy module in the present embodiment can determine that the switching strategy to come into force, switching strategy can be understood as one
A functional switch, when switch is opened, instruction identification module triggering identification process comes into force；When the switch is closed, identification module is indicated
Close identification process.
On the other hand, identification module can recognize that belongs to repetition payment payment application, but for the payment application whether
Refusal is made to determine, it can be with a variety of processing strategies of flexible configuration, flexibly to be made decision according to business needs in practical application.
Optionally, the switching strategy of policy module and processing strategy can be configured by technical staff, by way of example, Ke Yishi
An existing interactive interface, so that technical staff configures or updates to switching strategy and processing strategy.Policy module determination comes into force
Switching strategy, and be sent to the identification module；In some instances, switching strategy may include opening strategy or closing plan
Slightly, shutdown strategy instruction identification module need not trigger identification process, open strategy instruction identification module and need to trigger identification stream
Journey.In the case where that need not trigger identification process, payment application need not be identified in identification module, payment application according to
Original operation flow is handled.In the case where needing to trigger identification process, whether identification module can identify payment application
Belong to repetition payment, and recognition result is sent to the determination module.
Policy module can also be used to determine the processing strategy to come into force, and be sent to the determination module.Determination module receives
The recognition result of the payment application is determined whether to refuse the payment application in conjunction with the instruction of the processing strategy.It is practical
In, those skilled in the art flexible configuration can handle strategy as needed.
As an example, processing strategy includes following any：
Using the recognition result as the processing strategy of judgment basis；It that is to say, recognition result is：Payment application belongs to repetition
Payment, then refuse the payment application；Recognition result is that payment application is not belonging to repeat to pay the bill, then need not refuse.
It is preferential with blacklist and/or white list, in conjunction with the processing strategy that the recognition result is judgment basis；Wherein, institute
Stating blacklist characterization needs the payment application refused, the white list characterization to need the payment application accepted.
Wherein, white list can be understood as a kind of " green channel " strategy.White list is preferential, can be used for restoring accidentally to be blocked
The payment application cut.For example, if normal payment application is identified module and is mistaken for repeating to pay the bill, and be rejected, but
It is to repeat to pay the bill to determine the payment application not by modes such as hand inspections after being, then needs to accept the payment application again.
But because misjudged before the payment application, initiate still to be rejected (because of the rule of identification process again
Do not change then) the case where, using the scheme of the present embodiment, which can be recorded in white list, even if the payment
Application is identified module and is identified as repeating to pay the bill, but is preferentially, in conjunction with recognition result judgment basis as a result of white list
Processing strategy, the payment application will not be rejected, and can carry out normal payment process.
Blacklist can be understood as a kind of " forbidding " strategy, that is to say, that regardless of recognition result, as long as in blacklist
In payment application all can directly be refused.The preferential processing strategy of blacklist can cope with certain emergencies, for example, when paying
Money application has been initiated, even if identification module is identified as being not belonging to repeat to pay the bill, in such cases, which may be at any time
It can normally pay the bill, but from the instruction of air control system, air control system indicates that the payment application may be accused of equivalent risk of practising fraud, should
Having risky payment application can be recorded in blacklist, to be judged to refusing by determination module.
In practical application, processing strategy can also be：It is preferential with blacklist and white list, be judgement in conjunction with recognition result according to
According to strategy.Such strategy can be applied to small-scale business verification scene, for example, it is assumed that a kind of newly developed and pay of having reached the standard grade
Money business, but also without large-scale verification, therefore the business newly developed is not opened all temporarily and is used, and needs online verification few
Amount business is tested.It is recorded in white list at this point, a small amount of payment application can be arranged in technical staff, other all payments
Application is blacklist, and the payment business that thus payment application only in white list just can newly be reached the standard grade accepts payment,
And other business will not be paid the bill.
In actual use, it is also possible to a payment application occur and exist simultaneously in blacklist and white list, as example
Son, the priority that can also be arranged as required to white list is higher than blacklist, therefore the payment application will not be rejected.Certainly,
The priority that can also be arranged as required to blacklist is higher than white list, then the payment application can be rejected.
It follows that this specification embodiment is by being introduced into payment application processing unit in operation system, it can be in reality
When operation flow in can identify whether payment application belongs to repetition payment, and may also determine whether application of refusing payment,
So as to intercept payment application or terminate payment, and then efficiently control risk.
On the other hand, online adjustment switching strategy in real time and processing strategy are realized by policy module, for example, can refer to
It leads determination module and executes the normal refusal processing for repeating payment, determination module combination white list or/and black name can also be instructed
The strategies such as single so that misjudged payment application can be handled normally when re-initiating.
In the present embodiment, it is configured with identification process in identification module, is paid for whether identification payment application belongs to repetition
Money, in actual use, it is possible to which the system failure, payment hair of operation system pair of initiator occurs in the operation system of initiator
It has risen twice or multiple payment application, and has been assigned with different idempotents number to each payment application, it at this time possibly can not be accurate
Problems are quickly really recognized, ultimately cause repetition payment.Based on this, the present embodiment also provides a kind of identification process, identification
Whether payment application belongs to repetition payment, including：
The pending payment document of the corresponding payment application is obtained, the pending payment document includes payment business information；
It based on the consistency of payment business information, identifies whether the pending payment document matches with specified document, is referred to
Show whether the payment application belongs to the recognition result of repetition payment.
In the present embodiment, it is contemplated that the completely the same possibility of service attribute that two different payment applications are possessed is non-
Often low, this embodiment scheme, which can compare payment business information in pending payment document and the payment business information of specified document, is
It is no consistent, and then judge whether pending payment document repeats to pay the bill.In practical application, break down if initiating method, system, it is possible to
Multiple payment request is initiated for the payment of same pen, and distributes different payment applications number in each payment request, such feelings
Under condition, the present embodiment uses the comparison of payment business information, can accurately identify that repetition is paid the bill.
Specifically, pending payment document includes that there are many attribute informations, such as payment initiator and receiving party's agreement of paying the bill
Unique payment application number (also referred to as idempotent number), Payment Amount information, payment account information, collecting account information, Send only Account
Identity information, the identity information of collecting account, means of payment information, product information or payment cause information etc..
This embodiment scheme based on payment business information repeat the identification of payment, and payment business information includes payment gold
Volume information, payment account information, collecting account information, the identity information of Send only Account, the identity information of collecting account, payer
Formula information, product information or payment cause information etc..In this embodiment scheme, it is contemplated that two different payment order are possessed
Payment business attribute it is completely the same possibility it is very low, if find two payment order between payment business information it is complete
Unanimously, then having sufficiently large probability it is thought that repeating to pay the bill.
Therefore, the design of this embodiment scheme is：It is this kind of without industry not compare payment odd numbers, idempotent number, payment status etc.
It is engaged in meaning or be attribute information with uniqueness.The reason is that if to identify that repetition is paid the bill, using idempotent number, payment order
Number this kind of attribute information inherently with uniqueness be can not make accurate identification, if because since system problem has occurred
The phenomenon that repeating to pay the bill, payment initiator have initiated the attribute informations affirmatives such as multiple payment request, the idempotent number of these documents
Different because they are the unique attributes of document, by judge these attributes it is inconsistent be None- identified go out repetition pay
Money.Therefore, the present embodiment is identified using payment business information because this type of information with business meaning, with it is non-only
One property.Repetition payment is identified and judgeed through this embodiment, if find the payment business information complete one between two documents
It causes, then having sufficiently large probability it is thought that repeating to pay the bill.Repetition payment is identified and judgeed by this method, independent of skill
The influence of art factor can be efficiently solved due to repeating payment problems caused by technological deficiency.
As an example, it is illustrated for certain payment business information.Wherein, the identity information of Send only Account can be paid
Title, phone number or contact address of money user etc..The identity information of collecting account can be the title of gathering user, receive
Money bank card number, phone number or contact address etc..The means of payment used by means of payment information representation payment user, can
To include credit card (such as card number, bank of deposit's title etc.), deposit card (such as card number, bank of deposit's title etc.) etc..One
In a little examples, user is likely to purchase some product, then product information can be carried in payment request, to characterize this payment institute
Related products.In other examples, payment cause information has been may also contain in pending payment document, which uses
In the cause for describing this payment, such as credit card repayment, charges for water and electricity are paid, registration fee etc..Include in pending payment document
Such attribute information is used as identification basis with payment business meaning and with nonuniqueness using payment business information.
Above-mentioned payment business information describes service attribute possessed by pending payment document, it is contemplated that two different payments
The completely the same possibility of single payment business attribute possessed is very low, therefore can identify weight using payment business information
Multiple payment.Assuming that the system failure occurs in payment initiator, multiple payment application is initiated for the payment of same pen, since being same
Pen payment, corresponding to payment business information included in the pending payment document of payment application should be consistent, and all be same
Send only Account, the same collecting account, same Payment Amount or same payment reason etc..
Based on this, it can judge whether are the pending payment document and specified document based on the consistency of payment business information
Matching.Therefore to judge whether the pending payment document of current payment request belongs to repetition payment, need to have from database single
In, search whether and the matched document of pending payment document.In some instances, the specified document can be in database
The payment business information of pending payment document and each can have been stored the payment business information of document by any document of storage
It is compared.In other examples, in order to improve judging efficiency, can first exclusive segment can not possibly be matched with pending payment document
Document, then specify document to carry out subsequent judgement using remaining document as this.
As an example, in the present embodiment, it can judge whether the pending payment document matches it with specified document described
Before, part document is found out from database as this and specifies document, for example, the specified document satisfaction is following one or more
Condition：
In preset time range storage, it is identical as the payment account information of pending payment document or with the pending payment
The Payment Amount information of document is identical.
Wherein, which may be with the matched document quantity of pending payment document from time upper limit, this is pre-
If time range can be specifically arranged according to the characteristics of business scenario, for example, under some business scenarios, occur to repeat to pay the bill
Time span can be a few minutes, then preset time range could be provided as a few minutes apart from pending payment document storage time
It is interior, in other examples, it can also be several days or tens days etc., it can be with flexible configuration in practical application.
For the condition of " having identical Send only Account with the pending payment document ", which limits from Send only Account
May be with the matched document quantity of pending payment document, factor is that same payment application is by same user the considerations of the condition
It initiates, therefore two document payment account informations having the same.
For the condition of " having identical Payment Amount with the pending payment document ", which limits from Payment Amount can
Can be with the matched document quantity of pending payment document, factor is same payment application payment having the same the considerations of the condition
Amount information.
Based on any of the above-described condition or arbitrary combination, specified document can be fished for out from database, after then carrying out
Continuous judgement flow can be specifically to compare each single item payment business information of pending payment document, each single item with specified document
Whether payment business information is identical.
By comparison, payment receiving party may determine that whether the pending payment document matches with specified document, practical application
In, if matched strategy can flexible configuration as needed.It in some instances, can be based on identical payment business information
Number or priority and determine, for example, it may be：As long as wherein N number of payment business information is identical, then it is assumed that pending payment document with
Specified document matching, N are setting numerical value；It can also be that the higher payment business information of wherein M priority is identical, it is believed that wait paying
Money document matches etc. with specified document.In other examples, more stringent strategy can also be set, to prevent mistake from sentencing
Disconnected, the strategy of configuration can be：If any payment business information is different, the pending payment document is mismatched with specified document；
If all payment business information are identical, the pending payment document is matched with specified document.In practical application, people in the art
Member can in conjunction with specific business scenario and flexible configuration, the present embodiment do not limit this.
Next it is described in detail again by an embodiment.As shown in Figure 3A, it is this specification according to an exemplary reality
A kind of payment application processing schematic diagram exemplified is applied, in Fig. 3 A by taking the device is applied to the operation system of payment initiator as an example
It illustrates, payment application processing unit can be understood as a blocker, and the payment application of initiator's operation system is being accepted
Before square operation system processing, first passes through payment application processing unit and execute verification.
Payment application processing unit is divided into three modules：It is " anti-to repeat payment policy module (abbreviation policy module) ", " anti-heavy
Payment identification module (abbreviation identification module) again ", " anti-to repeat payment determination module (abbreviation determination module) ", are each responsible for：Plan
Slightly synchronous and selection, identification repeat payment, according to strategy and recognition result execution control and processing.
Optionally, in Fig. 3 A further include one " information control platform ", the platform to operator's synchronization policy for giving " strategy
Module ", allows payment application processing unit that can get newest strategy in real time, and tactful synchronization and update are managed by operator
Reason.
As shown in Figure 3B, it is a kind of showing for policy module acquisition strategy of this specification shown according to an exemplary embodiment
It is intended to, operator can pass through " information control platform " push " switching strategy " and " processing strategy "：
Operator is first preserved strategy by information control platform implementation strategy push operation, information control platform, then
Strategy is pushed to policy module, strategy is made to come into force, to the real-time update of implementation strategy.Alternatively, policy module can also be determined
When the strategy of newest preservation, the real-time update of implementation strategy are obtained from information control platform.
As shown in Figure 3 C, it is a kind of fortune of payment application processing unit of this specification shown according to an exemplary embodiment
Row schematic diagram, identification module can trigger identification process, obtain " anti-switching strategy (the letter for repeating payment from policy module first
Claim switching strategy) "：
If the state of switching strategy is "Off" state, identification process will not trigger, and skip identification process, therefore pay
Money application is transmitted directly to the operation system of initiator.
If the state of switching strategy is " unlatching " state, identification process is triggered：
Identification module starts to identify whether payment application belongs to repetition payment, and specific identification process can refer to aforementioned implementation
The identification process explanation of example, details are not described herein again.
Recognition result is sent to determination module by identification module, is handled by determination module.
Determination module obtains the current anti-processing strategy (referred to as handling strategy) for repeating payment from policy module, according to place
Manage the corresponding measure of strategy execution.
The processing strategy that this specification embodiment provides can have following several：
The first, ordinary recognition and intercept strategy
Whether identification module identification pending payment document is to repeat to pay the bill, if recognition result is determined as " repeating to pay the bill ", is sentenced
Cover half block refuses the payment application using recognition result as judgment basis, and the payment application is intercepted, will not be sent to receiving party's
Operation system.If recognition result is determined as " non-duplicate payment ", pending payment document will not be rejected, which passes through
The verification of payment application processing unit can be sent to the operation system of receiving party.
Second, white list preference strategy
White list strategy includes a white list, and white list can be understood as a list, can be sky under default situations,
Illustrate that no any payment application is in white list.If the mark for recording some payment applications in white list (may be used
The odd numbers of corresponding pending payment document is as unique mark), then these payment applications are with the preferential strategy execution of white list, no matter it is somebody's turn to do
How is the recognition result of payment application, can all be accepted.It is not on the payment application of white list, then executes the first strategy.
The third, blacklist preference strategy
The payment application for needing to refuse then is had recorded in blacklist, these payment applications are held with the preferential strategy of blacklist
Row, regardless of the recognition result of the payment application, can all be rejected.It is not on the payment application of blacklist, then executes
A kind of strategy.
4th kind, blacklist and white list preference strategy
Include simultaneously blacklist and white list in this strategy, when payment application is present in white list, executes corresponding
White list preference strategy；When payment application is present in blacklist, corresponding blacklist preference strategy is executed.Work as payment application
When being not only present in blacklist but also being present in white list, can flexible configuration as needed, for example, it may be white list prior to
Blacklist, the i.e. payment application execute white list preference strategy, ignore blacklist strategy.Neither in blacklist nor in white name
Payment application in list executes the first strategy.
In this specification embodiment, by introducing payment application processing unit in operation system, payment verification is repeated by anti-
Logic is embedded into operation flow, therefore, anti-repetition payment verification can be executed in real-time online business flow；Pass through knowledge
Other module can carry out real-time refusal processing by determination module after identification repeats payment risk, can effectively control repetition and pay
Money risk.By introducing policy module, switching strategy or processing strategy can be adjusted in real time online, pass through different " processing
Strategy " can specify determination module to make a variety of processing.For example, determination module can both have been instructed to execute normal repetition payment wind
Danger intercepts strategy, and control module can be instructed to execute white list preference strategy so that misjudged payment application is initiated again
It afterwards, can be normal through verification to restore business.Not only solving can be in online real time business, if executes anti-repetition and pays
The problem of money verifies also solves the problems, such as to find to repeat how to handle and restore after paying the bill.
The embodiment of this specification payment application processing unit can be applied in the equipment such as server.Device embodiment can
By software realization, can also be realized by way of hardware or software and hardware combining.For implemented in software, as one
Device on logical meaning is to be read corresponding computer program instructions in nonvolatile memory by processor where it
It is formed to operation in memory.For hardware view, as shown in figure 4, to be set where this specification payment application processing unit
A kind of standby hardware structure diagram in addition to processor 410 shown in Fig. 4, memory 430, network interface 420 and non-volatile is deposited
Except reservoir 440, the equipment at 431 place of device can also include other generally according to the actual functional capability of the equipment in embodiment
Hardware repeats no more this.
The apparatus embodiments described above are merely exemplary, wherein the module illustrated as separating component can
It is physically separated with being or may not be, the component shown as module may or may not be physics mould
Block, you can be located at a place, or may be distributed on multiple network modules.It can be selected according to the actual needs
In some or all of module realize the purpose of this specification scheme.Those of ordinary skill in the art are not paying creativeness
In the case of labour, you can to understand and implement.
Corresponding with the aforementioned embodiment of payment application processing unit, this specification additionally provides payment application processing method
And its embodiment for the equipment applied.
As shown in figure 5, Fig. 5 is a kind of payment application processing method of this specification shown according to an exemplary embodiment
Flow chart, including：
In step 502, it determines the switching strategy to come into force, and determines the processing strategy to come into force；
In step 504, according to the instruction of the switching strategy, it is determined whether triggering identification process；Wherein, the identification
Flow includes：Whether identification payment application belongs to repetition payment, and recognition result is sent to the control module；
In step 506, the recognition result to the payment application is received, in conjunction with the instruction of the processing strategy, judgement
Whether the payment application is refused
Optionally, the processing strategy includes following any：
Using the recognition result as the processing strategy of judgment basis；
It is preferential with blacklist and/or white list, in conjunction with the processing strategy that the recognition result is judgment basis；Wherein, institute
Stating blacklist characterization needs the payment application refused, the white list characterization to need the payment application accepted.
Optionally, the white list record has：It is mistaken for the payment application for repeating to pay the bill.
Optionally, the blacklist record has：Has risky payment application.
Optionally, the identification process, specifically includes：
The pending payment document of the corresponding payment application is obtained, the pending payment document includes payment business information；
It based on the consistency of payment business information, identifies whether the pending payment document matches with specified document, is referred to
Show whether the payment application belongs to the recognition result of repetition payment.
Optionally, the specified document meets following one or more conditions：
In preset time range storage, it is identical as the payment account information of pending payment document or with the pending payment
The Payment Amount information of document is identical.
Optionally, the payment business information, including it is following one or more：
Payment Amount information, payment account information, collecting account information, the identity information of Send only Account, collecting account
Identity information, means of payment information, product information or payment cause information.
Optionally, if any payment business information is different, the pending payment document is mismatched with specified document；If all
Payment business information is identical, then the pending payment document is matched with specified document.
Correspondingly, this specification also provides a kind of payment application processing equipment, the equipment includes processor；For depositing
Store up the memory of processor-executable instruction；Wherein, the processor is configured as：
It determines the switching strategy to come into force, and determines the processing strategy to come into force；
According to the instruction of the switching strategy, it is determined whether triggering identification process；Wherein, the identification process includes：Know
Whether other payment application belongs to repetition payment, and recognition result is sent to the control module；
The recognition result to the payment application is received, in conjunction with the instruction of the processing strategy, is determined whether described in refusal
Payment application.
Each step in above-mentioned payment application processing method can specifically refer to each mould in above-mentioned payment application processing unit
The function of block and the realization process of effect, details are not described herein.For embodiment of the method, since it corresponds essentially to device
Embodiment, so related place illustrates referring to the part of device embodiment.
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.
Those skilled in the art will readily occur to this specification after considering specification and putting into practice the invention applied here
Other embodiments.This specification is intended to cover any variations, uses, or adaptations of this specification, these modifications,
Purposes or adaptive change follow the general principle of this specification and include that this specification is not applied in the art
Common knowledge or conventional techniques.The description and examples are only to be considered as illustrative, the true scope of this specification and
Spirit is indicated by the following claims.
It should be understood that this specification is not limited to the precision architecture for being described above and being shown in the accompanying drawings,
And various modifications and changes may be made without departing from the scope thereof.The range of this specification is only limited by the attached claims
System.
The foregoing is merely the preferred embodiments of this specification, all in this explanation not to limit this specification
Within the spirit and principle of book, any modification, equivalent substitution, improvement and etc. done should be included in the model of this specification protection
Within enclosing.
Claims (17)
1. a kind of payment application processing unit, described device is applied to operation system, including：Policy module, identification module and sentence
Cover half block；
The policy module, is used for：It determines the switching strategy to come into force, and is sent to the identification module；And it determines and comes into force
Processing strategy, and it is sent to the control module；
The identification module, is used for：According to the instruction of the switching strategy, it is determined whether triggering identification process；Wherein, the knowledge
Other flow includes：Whether identification payment application belongs to repetition payment, and recognition result is sent to the control module；
The determination module, is used for：The recognition result to the payment application is received, in conjunction with the instruction of the processing strategy, is sentenced
It is fixed whether to refuse the payment application.
2. the apparatus according to claim 1, the processing strategy includes following any：
Using the recognition result as the processing strategy of judgment basis；
It is preferential with blacklist and/or white list, in conjunction with the processing strategy that the recognition result is judgment basis；Wherein, described black
List characterization needs the payment application refused, the white list characterization to need the payment application accepted.
3. the apparatus of claim 2, the white list record has：It is mistaken for the payment application for repeating to pay the bill.
4. the apparatus of claim 2, the blacklist record has：Has risky payment application.
5. the apparatus according to claim 1, the identification process, specifically includes：
The pending payment document of the corresponding payment application is obtained, the pending payment document includes payment business information；
It based on the consistency of payment business information, identifies whether the pending payment document matches with specified document, obtains instruction institute
State the recognition result whether payment application belongs to repetition payment.
6. device according to claim 5, the specified document meets following one or more conditions：
In preset time range storage, it is identical as the payment account information of pending payment document or with the pending payment document
Payment Amount information it is identical.
7. device according to claim 5, the payment business information, including it is following one or more：
The identity of Payment Amount information, payment account information, collecting account information, the identity information of Send only Account, collecting account
Information, means of payment information, product information or payment cause information.
8. device according to claim 5, if any payment business information is different, the pending payment document and specified list
According to mismatch；If all payment business information are identical, the pending payment document is matched with specified document.
9. a kind of payment application processing method, including：
It determines the switching strategy to come into force, and determines the processing strategy to come into force；
According to the instruction of the switching strategy, it is determined whether triggering identification process；Wherein, the identification process includes：Identification is paid
Whether money application belongs to repetition payment, and recognition result is sent to the control module；
The recognition result to the payment application is received, in conjunction with the instruction of the processing strategy, determines whether to refuse the payment
Application.
10. according to the method described in claim 9, processing strategy includes following any：
Using the recognition result as the processing strategy of judgment basis；
It is preferential with blacklist and/or white list, in conjunction with the processing strategy that the recognition result is judgment basis；Wherein, described black
List characterization needs the payment application refused, the white list characterization to need the payment application accepted.
11. according to the method described in claim 10, white list record has：It is mistaken for the payment application for repeating to pay the bill.
12. according to the method described in claim 10, blacklist record has：Has risky payment application.
13. according to the method described in claim 9, the identification process, specifically includes：
The pending payment document of the corresponding payment application is obtained, the pending payment document includes payment business information；
It based on the consistency of payment business information, identifies whether the pending payment document matches with specified document, obtains instruction institute
State the recognition result whether payment application belongs to repetition payment.
14. according to the method described in claim 9, the specified document meets following one or more conditions：
In preset time range storage, it is identical as the payment account information of pending payment document or with the pending payment document
Payment Amount information it is identical.
15. according to the method for claim 13, the payment business information, including it is following one or more：
The identity of Payment Amount information, payment account information, collecting account information, the identity information of Send only Account, collecting account
Information, means of payment information, product information or payment cause information.
16. according to the method for claim 13, if any payment business information is different, the pending payment document with specify
Document mismatches；If all payment business information are identical, the pending payment document is matched with specified document.
17. a kind of payment application processing equipment, including：
Processor；
Memory for storing processor-executable instruction；
Wherein, the processor is configured as：
It determines the switching strategy to come into force, and determines the processing strategy to come into force；
According to the instruction of the switching strategy, it is determined whether triggering identification process；Wherein, the identification process includes：Identification is paid
Whether money application belongs to repetition payment, and recognition result is sent to the control module；
The recognition result to the payment application is received, in conjunction with the instruction of the processing strategy, determines whether to refuse the payment
Application.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810482891.7A CN108805566A (en) | 2018-05-18 | 2018-05-18 | payment application processing method, device and equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810482891.7A CN108805566A (en) | 2018-05-18 | 2018-05-18 | payment application processing method, device and equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108805566A true CN108805566A (en) | 2018-11-13 |
Family
ID=64091192
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810482891.7A Pending CN108805566A (en) | 2018-05-18 | 2018-05-18 | payment application processing method, device and equipment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108805566A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112819612A (en) * | 2020-11-25 | 2021-05-18 | 辽宁振兴银行股份有限公司 | Automatic configuration system for butt-joint channel of payment system |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101388859A (en) * | 2008-09-16 | 2009-03-18 | 王玉冰 | System and method preventing junk mail |
| CN103152468A (en) * | 2011-12-07 | 2013-06-12 | 国民技术股份有限公司 | Mobile terminal and mobile payment implement method |
| CN103310334A (en) * | 2012-03-16 | 2013-09-18 | 阿里巴巴集团控股有限公司 | Business processing method and device |
| US20140089191A1 (en) * | 2012-09-27 | 2014-03-27 | Nicholas Anthony Lindsay Brown | Secure Payment System and Method |
| US9258691B2 (en) * | 2013-02-20 | 2016-02-09 | Boku, Inc. | Merchant server programmed for user acquisition within a repeat payment computer system |
| CN105678455A (en) * | 2016-01-05 | 2016-06-15 | 上海瀚银信息技术有限公司 | Method and system for monitoring transaction risk |
-
2018
- 2018-05-18 CN CN201810482891.7A patent/CN108805566A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101388859A (en) * | 2008-09-16 | 2009-03-18 | 王玉冰 | System and method preventing junk mail |
| CN103152468A (en) * | 2011-12-07 | 2013-06-12 | 国民技术股份有限公司 | Mobile terminal and mobile payment implement method |
| CN103310334A (en) * | 2012-03-16 | 2013-09-18 | 阿里巴巴集团控股有限公司 | Business processing method and device |
| US20140089191A1 (en) * | 2012-09-27 | 2014-03-27 | Nicholas Anthony Lindsay Brown | Secure Payment System and Method |
| US9258691B2 (en) * | 2013-02-20 | 2016-02-09 | Boku, Inc. | Merchant server programmed for user acquisition within a repeat payment computer system |
| CN105678455A (en) * | 2016-01-05 | 2016-06-15 | 上海瀚银信息技术有限公司 | Method and system for monitoring transaction risk |
Non-Patent Citations (1)
| Title |
|---|
| 王玮等: "COSO模型在会计控制中的实际应用", 《上海会计》 * |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112819612A (en) * | 2020-11-25 | 2021-05-18 | 辽宁振兴银行股份有限公司 | Automatic configuration system for butt-joint channel of payment system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN109784934A (en) | A kind of transaction risk control method, apparatus and relevant device and medium | |
| CN106453061A (en) | Method and system for recognizing internet fraud behavior | |
| CN110135852A (en) | Method of payment, system, payment accept equipment and server by bus | |
| CN106911483A (en) | A kind of charging method based on block chain and cloud computing platform | |
| CN105975948A (en) | Cloud service platform architecture for face identification | |
| CN106506454A (en) | Fraud business recognition method and device | |
| CN109214914A (en) | A kind of loan information checking method and device based on communication open platform | |
| CN109711846A (en) | Payment request processing method, device, computer equipment and storage medium | |
| CN109636567A (en) | Business handling method, server, storage medium and device based on big data | |
| CN111429145A (en) | Risk control method and device for electronic transaction and electronic equipment | |
| US20190034939A1 (en) | Electronic payment network security | |
| CN110163739A (en) | Pay complaint method, device, server and readable storage medium storing program for executing | |
| CN109446772A (en) | Accrediting amount calculation method, device, computer equipment and storage medium | |
| CN108287823A (en) | Message data processing method, device, computer equipment and storage medium | |
| CN110363492A (en) | Industry hatching method, system, equipment and storage medium Internet-based | |
| CN109670933A (en) | Identify method, user equipment, storage medium and the device of user role | |
| CN109409548A (en) | Foreign currency reserves enchashment method, client, server, the pre- Ark of the Covenant of foreign currency and system | |
| CN109523124A (en) | Asset data processing method, device, computer equipment and storage medium | |
| CN106464724A (en) | Transport system user inspection | |
| CN112910953B (en) | Business data pushing method and device and server | |
| CN106780998A (en) | One kind moves back chucking method and device | |
| CN108805566A (en) | payment application processing method, device and equipment | |
| CN112530028A (en) | Ticket selling and checking processing method, system server and storage medium | |
| CN110378811A (en) | Arbitration information processing method, device, computer equipment and storage medium | |
| CN108734473A (en) | Identification repeats the method, apparatus and equipment of payment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 40000154 Country of ref document: HK |
|
| TA01 | Transfer of patent application right | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20200924 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200924 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |
|
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20181113 |