CN108960792B - Polling method, payment method, device, server and payment system - Google Patents

Polling method, payment method, device, server and payment system Download PDF

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CN108960792B
CN108960792B CN201810567115.7A CN201810567115A CN108960792B CN 108960792 B CN108960792 B CN 108960792B CN 201810567115 A CN201810567115 A CN 201810567115A CN 108960792 B CN108960792 B CN 108960792B
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polling
payment
server
threshold
initiates
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CN108960792A (en
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唐波
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Advanced Nova Technology Singapore Holdings Ltd
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Advanced New Technologies Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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

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Abstract

The application provides a polling method, a payment method, a device, a server and a payment system, wherein the polling method comprises the following steps: the server receives a first polling initiated by the terminal equipment through a public network; based on the first polling, the server initiates a plurality of second polling to the processing system through the intranet. The payment method comprises the following steps: the payment system receives a deduction receipt message; and when a preset condition is met, the payment system initiates a refund process.

Description

Polling method, payment method, device, server and payment system
Technical Field
The application belongs to the field of computer communication, and particularly relates to a polling method, a payment method, a device, a server and a payment system.
Background
With the continuous development of mobile payment technology, third-party payment companies develop offline payment markets vigorously by means of various new technologies of near-field payment, the common main implementation modes of offline mobile payment service receipts are code scanning payment or sound wave payment, and the mobile payment has the main advantages of convenience and rapidness in operation, quick fund arrival time and the like.
The existing business process of the offline mobile payment is as follows: after payment is confirmed, an acquiring system of the third-party payment company generates a business document, a user selects a payment tool on a client payment page, payment is confirmed, a server initiates a deduction request to public institutions such as banks through a payment system of the third-party payment company, and the institutions return a deduction result to the payment system of the third-party payment company after processing the deduction request; after the user side confirms payment, a waiting interface pops up on client payment software, the interface periodically polls a server, the server inquires a payment result and synchronously returns the result, if the payment result is not inquired, inquiry is continued, and when the payment result is not obtained after the preset time is exceeded, an abnormal error of a bill drop is sent to the user.
It should be noted that the above background description is provided only for the purpose of clearly and completely describing the technical solutions of the embodiments of the present invention and for the convenience of understanding for those skilled in the art. Such solutions are not considered to be known to those skilled in the art merely because they have been set forth in the background section of the embodiments of the invention.
Disclosure of Invention
At present, aiming at an off-line mobile payment scene, considering that a user is inconvenient to stay by a merchant or a payee for too long time, when a bill is lost, the user can select secondary payment under the condition of not knowing a payment result, and if the first payment is confirmed to be successful afterwards, repeated payment is caused, so that the fund loss of the user is caused.
In addition, as the polling of the client and the server of the user terminal device is synchronous, the traffic consumption is high, especially under the condition of cross-country and cross-regional access, the probability of network problems is high, the probability that the user cannot receive the payment result is increased, namely the probability of triggering the secondary payment is increased, and if the condition that the client and the server are in long connection and the server is responsible for polling is modified, the server is stressed greatly.
In order to solve the above problems, embodiments of the present application provide a polling method, a payment method, an apparatus, a server, and a payment system, where the polling method can reduce public network interaction frequency between a terminal device with a high network transmission cost and the server, avoid causing a large pressure on the server, and prevent a user from making repeated payments.
According to a first aspect of embodiments of the present invention, there is provided a polling method, wherein the method includes:
the server receives a first polling initiated by the terminal equipment;
based on the first polling, the server initiates a second polling to a processing system a plurality of times.
According to a second aspect of embodiments of the present invention, there is provided a method as described in the first aspect, wherein the method further comprises:
the server acquires a polling configuration, wherein the polling configuration comprises a first threshold of second polling time and/or a second threshold of second polling time interval and/or a third threshold of second polling times;
and the server initiates the plurality of second polls according to the polling configuration.
According to a third aspect of embodiments of the present invention, there is provided a method as defined in the second aspect, wherein the method further comprises:
and when the second polling times are equal to the third threshold or the time for initiating the second polling exceeds the first threshold and the server does not poll the processing result, returning a processing result unknown response to the terminal equipment, and initiating the next first polling by the terminal equipment according to the response.
According to a fourth aspect of embodiments of the present invention, there is provided a method as described in the first or third aspect, wherein the processing system is a payment system and the processing result is a payment result.
According to a first aspect of embodiments of the present invention, there is provided a payment method, wherein the method comprises:
the payment system receives a deduction receipt message;
and when the preset condition is met, the payment system initiates a refund process.
According to a sixth aspect of embodiments of the present invention, there is provided a method as defined in the fifth aspect, wherein the method further comprises:
acquiring overtime fourth threshold configuration information;
determining the money deduction time according to the money deduction receipt message;
and when the predetermined condition is met, the payment system initiates a refund process comprising:
and when the time difference between the deduction time and the payment initiating time exceeds the fourth threshold value, the payment system initiates a refund process.
According to a seventh aspect of embodiments of the present invention, there is provided the method of the sixth aspect, wherein the fourth threshold is determined according to the time of one complete payment process.
According to an eighth aspect of embodiments of the present invention, there is provided a method as described in the seventh aspect, wherein the method further comprises:
acquiring an order state;
and when the predetermined condition is met, the payment system initiates a refund process comprising:
and when the order state is a final state, the payment system initiates a refund process.
According to a ninth aspect of embodiments of the present invention, there is provided a method as defined in the fifth aspect, wherein the method further comprises:
the payment system receives a plurality of second polls initiated by the server based on the first poll initiated by the terminal device.
According to a tenth aspect of an embodiment of the present invention, there is provided a polling device, wherein it is applied to a server, the device including:
a first receiving unit, configured to receive a first polling initiated by a terminal device;
a first processing unit to initiate a second poll to a processing system a plurality of times based on the first poll.
According to an eleventh aspect of embodiments of the present invention, there is provided an apparatus as described in the tenth aspect, wherein the apparatus further comprises:
a first obtaining unit, configured to obtain a polling configuration, where the polling configuration includes a first threshold of a second polling time and/or a second threshold of a second polling time interval and/or a third threshold of a second polling number;
and the first processing unit initiates the second polling of the plurality of times according to the polling configuration.
According to a twelfth aspect of embodiments of the present invention, there is provided an apparatus as described in the eleventh aspect, wherein the apparatus further comprises:
and the sending unit is used for returning a processing result unknown response to the terminal equipment when the second polling times are equal to the third threshold or the time for initiating the second polling exceeds the first threshold and the server does not poll the processing result, so that the terminal equipment initiates the next first polling according to the response.
According to a thirteenth aspect of embodiments of the present invention, there is provided an apparatus as described in the tenth or twelfth aspect, wherein the processing system is a payment system and the processing result is a payment result.
According to a fourteenth aspect of the embodiments of the present invention, there is provided a payment apparatus applied to a payment system, wherein the apparatus includes:
a second receiving unit for receiving a deduction receipt message;
and the second processing unit is used for initiating a refund flow when a preset condition is met.
According to a fifteenth aspect of embodiments of the present invention, there is provided an apparatus as defined in the fourteenth aspect, wherein the apparatus further comprises:
a second acquisition unit configured to acquire timeout fourth threshold configuration information; determining the deduction time according to the deduction receipt message;
and the second processing unit initiates a refund process when the difference between the deduction time and the payment initiation time exceeds the fourth threshold.
According to a sixteenth aspect of embodiments of the present invention, there is provided an apparatus as defined in the fifteenth aspect, wherein the fourth threshold is determined according to the time of one complete payment process.
According to a seventeenth aspect of embodiments of the present invention, there is provided an apparatus as defined in the fourteenth aspect, wherein the apparatus further comprises:
a third acquiring unit for acquiring an order status;
and when the order state is the final state, the second processing unit initiates a refund process.
According to an eighteenth aspect of an embodiment of the present invention, there is provided an apparatus as defined in the fourteenth aspect, wherein the apparatus further comprises:
and a third receiving unit, configured to receive a plurality of second polls initiated by the server based on the first poll initiated by the terminal device.
According to a nineteenth aspect of embodiments of the present invention, there is provided a server, comprising a processor and a memory for storing processor-executable instructions, the processor implementing the method of any one of the first to fourth aspects when executing the instructions.
According to a twentieth aspect of embodiments of the present invention there is provided a payment system comprising a processor and a memory for storing processor-executable instructions, the processor when executing the instructions implementing the method of any one of the fifth to ninth aspects.
According to a twenty-first aspect of embodiments of the present invention, there is provided a computer-readable storage medium, on which a computer program is stored, which when executed, implements the steps of the method of any one of the preceding first to fourth aspects.
According to a twenty-second aspect of an embodiment of the present invention, there is provided a computer-readable storage medium, on which a computer program is stored, the program, when executed, implementing the steps of the method of any one of the aforementioned fifth to ninth aspects.
The method and the device have the advantages that the server initiates polling for the processing system for many times when the terminal equipment initiates polling to the server once, so that the public network interaction frequency between the terminal equipment with higher network transmission cost and the server can be reduced, and the server is prevented from being stressed greatly.
The method and the device have the advantages that when the deduction result is received and the preset condition is met, the payment system automatically initiates a refund process, and the deducted payment is returned to the account of the user, so that the user can be prevented from paying repeatedly.
Reference is made to the following description and accompanying drawings that disclose in detail certain embodiments of the invention and which specify the manner in which the principles of embodiments of the invention may be employed. It should be understood that the embodiments of the invention are not so limited in scope. The embodiments of the invention include many variations, modifications and equivalents within the spirit and scope of the appended claims.
Features that are described and/or illustrated with respect to one embodiment may be used in the same way or in a similar way in one or more other embodiments, in combination with or instead of the features of the other embodiments.
It should be emphasized that the term "comprises/comprising" when used herein, is taken to specify the presence of stated features, integers, steps or components but does not preclude the presence or addition of one or more other features, integers, steps or components.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the description below are only some embodiments described in the present application, and for those skilled in the art, other drawings may be obtained according to these drawings without creative efforts.
FIG. 1 is a flowchart of a polling method in embodiment 1 of the present application;
FIG. 2 is a flow chart of a payment method in embodiment 2 of the present application;
FIG. 3 is a schematic view of a polling device in embodiment 3 of the present application;
FIG. 4 is a schematic diagram of a server in embodiment 3 of the present application;
FIG. 5 is a schematic view of a payment device in embodiment 4 of the present application;
FIG. 6 is a schematic diagram of a payment system in embodiment 4 of the present application;
fig. 7 is a flowchart of a payment process in embodiment 5 of the present application.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
In the embodiments of the present application, the terms "first", "second", and the like are used for distinguishing different elements by reference, but do not indicate a spatial arrangement or a temporal order of the elements, and the elements should not be limited by the terms. The term "and/or" includes any and all combinations of one or more of the associated listed terms. The terms "comprising," "including," "having," and the like, refer to the presence of stated features, elements, components, and do not preclude the presence or addition of one or more other features, elements, components, and elements.
In the embodiments of the present application, the singular forms "a", "an", and the like include the plural forms and may be broadly interpreted as "a" or "an" rather than limited to the meaning of "a" or "an"; furthermore, the term "comprising" should be understood to include both the singular and the plural, unless the context clearly dictates otherwise. Further, the term "according to" should be understood as "at least partially according to … …," and the term "based on" should be understood as "based at least partially on … …," unless the context clearly dictates otherwise.
In the embodiments of the present application, the interchangeable terms "electronic equipment" and "terminal equipment" include all equipment such as mobile phones, pagers, communicators, electronic organizers, Personal Digital Assistants (PDAs), smartphones, portable communicators, tablets, personal computers, servers or the like.
In the embodiments of the present application, technical terms such as drop sheet and face payment are referred to, and the following brief description is provided for easy understanding.
Sheet dropping: the service caller initiates a request to the service provider, and usually receives a response message indicating success or failure of the call, and broadly speaking, the dropping of a ticket means: the service caller does not receive the response message of the service provider within a predetermined time threshold due to network transmission or system internal problems, etc. The service caller cannot determine the acceptance or processing condition of the service request at the service provider, which is called the occurrence of the order drop.
Paying in the meantime: the payment process by which the merchant collects the transaction online in any of the following ways is called online payment.
For example, a merchant directly inputs transaction funds of a buyer into a seller payment account in a mode of scanning a bar code, a two-dimensional code and the like in a payment wallet of an offline buyer terminal, and the funds are paid out in real time;
the off-line buyer finishes payment by scanning the two-dimensional code of the merchant by using the payment wallet of the terminal and the like, and the fund is paid in real time;
and the off-line buyer completes payment to the merchant by using the sound wave payment function in the payment wallet of the terminal, and the fund is paid in real time.
The embodiments of the present application will be described below with reference to the accompanying drawings.
Example 1
Embodiment 1 of the present application provides a polling method, where fig. 1 is a flowchart of the method, and as shown in fig. 1, the method includes:
step 101, a server receives a first polling initiated by a terminal device;
based on the first polling, the server initiates a second polling to the processing system a plurality of times, step 103.
In this embodiment, the terminal device and the server are connected through a public network, for example, the public network may be a mobile network or the internet, and a server (app server) corresponding to a client (app) on the terminal device may be accessed through the client; the processing system may be a third-party service providing system, the processing system may initiate a service call request through a client (app) on the terminal device, and the processing system provides a service, for example, the processing system is a third-party payment system, the client on the terminal device needs to call a payment service, that is, a payment request may be initiated to the third-party payment system via the server, and a deduction request may be initiated to a financial institution such as a bank by the third-party payment system.
In this embodiment, a processing result (e.g., a payment result) is usually returned for a service invocation request (e.g., a payment request) initiated by a client, for example, invocation success or invocation failure (deduction failure or deduction success) and the like.
In this embodiment, each time the terminal device initiates the first polling, the server initiates the second polling to the processing system for multiple times, so that the frequency of public network interaction between the mobile terminal with the highest network transmission cost and the server can be reduced, and the terminal device is prevented from consuming too much traffic.
In this embodiment, the first polling and the second polling have the same request content, but different initiators.
In this embodiment, the implementation of step 101 may refer to the prior art, and is not described herein again. For example, after the client of the terminal device completes processing, a waiting page is set to wait for a processing result, and the page periodically initiates first polling to the server until the number of times of polling to the processing result or initiating the first polling exceeds a threshold, or the time of initiating the first polling exceeds a threshold, where the threshold may be preconfigured, and the server acquires (acquires from a local or cloud configuration center) the configured threshold and sends the threshold to the terminal device.
In this embodiment, in step 103, for each first polling initiated by the terminal device, the server may initiate the multiple second polling according to the obtained polling configuration, that is, before step 103, the method may further include:
step 102, the server obtains a polling configuration, where the polling configuration includes a first threshold of a second polling time and/or a second threshold of a second polling time interval and/or a third threshold of a second polling number.
In this embodiment, the server may obtain the polling configuration from the cloud configuration center, but this embodiment is not limited thereto, and for example, the polling configuration may be stored in the server in advance.
In this embodiment, in step 103, the server may determine an interval for initiating the second polling according to the second threshold, and determine the number of times of initiating the second polling according to the third threshold; when the processing result is polled, stopping initiating the second polling, and the terminal equipment can also obtain the processing result according to the first polling; when the number of times of initiating the second polling is equal to the third threshold or the time of initiating the second polling exceeds the first threshold, and the server does not poll to the processing result, the method may further include: and returning a response with unknown processing result to the terminal equipment, and the terminal equipment continuously initiates the first polling to the server for the next time according to the response until the polling to the processing result or the number of times of initiating the first polling exceeds a threshold value, or the time of initiating the first polling exceeds the threshold value.
According to the embodiment, the server initiates polling to the processing system for multiple times every time the terminal equipment initiates polling to the server, so that the public network interaction frequency between the terminal equipment with higher network transmission cost and the server can be reduced, and the server is prevented from being stressed greatly.
Example 2
An embodiment 2 of the present invention provides a payment method, where fig. 2 is a flowchart of the method, and as shown in fig. 2, the method includes:
step 202, the payment system receives a deduction receipt message;
and step 204, when a preset condition is met, the payment system initiates a refund process.
In this embodiment, the payment system may be a third party payment system as described in embodiment 1.
In this embodiment, when the deduction is successful, the payment system receives a deduction receipt message of a financial institution such as a bank, where the message may include information such as a deduction time, a deduction amount, and a deduction account; in step 204, it may be determined whether the deduction receipt message in step 202 is acquired by the terminal device or not, or whether the deduction is due to a drop of the payment, and if yes, the payment system automatically initiates a refund process, that is, modifies the order into a closed order state, sends a request for cancelling the deduction to a financial structure such as a bank, returns the deduction to the user account, and returns the deduction in step 202 to the user account.
In one embodiment, whether to initiate a refund process may be determined based on the difference in time between the initiation of payment and the deduction.
In this embodiment, the payment system may obtain the timeout fourth threshold configuration information from the configuration center, and the implementation of the configuration center may refer to embodiment 1, which is not described herein again; determining the deduction time according to the deduction receipt message; and when the time difference between the deduction time and the payment initiating time exceeds the fourth threshold value, determining that the order is dropped, namely the terminal equipment does not acquire the payment result, and initiating a refund process by the payment system.
In this embodiment, the fourth threshold is determined based on the time of one complete payment process. For example, the fourth threshold is consistent with the normal time consumption during the offline payment, and the complete payment process can be completed by the user within 30 seconds in the payment scenario, and the fourth threshold is equal to 30 seconds, but this embodiment is not limited to this, and the fourth threshold may also be set to be longer than the complete payment process, which is not illustrated here.
In one embodiment, whether to initiate a refund process may be determined based on the status of the order.
In this embodiment, when a user initiates a payment, the order system of the payment system generates an order information, where the order information includes a transaction time, a transaction amount, an order validity period, and the order status is updated with the payment process, for example, the order status includes: the payment system comprises an initial state, a payment success state (success), a payment failure state (fail), and a closing state (fail) (i.e. exceeding the validity period of the order), wherein the payment success state, the payment failure state, and the closing state can be called final states, and when a deduction receipt message is received and the order state is the final state, the payment system initiates a refund process to prevent secondary payment.
In this embodiment, the method may further include: (optional, not shown)
The payment system receives multiple second polls initiated by the server based on the first poll initiated by the terminal device, and an implementation manner thereof may refer to step 103 in embodiment 1, which is not described herein again.
According to the embodiment, when the deduction result is received and the preset condition is met, the payment system automatically initiates a refund process and refunds the deducted money to the account of the user, and therefore the user can be prevented from paying repeatedly.
In this embodiment, the embodiments 1 and 2 may be implemented separately, or the embodiments 1 and 2 may be implemented in combination for a payment service, which is not limited in this embodiment, and reference may be made to the embodiment 5 for a specific combined implementation manner.
Example 3
Embodiment 3 of the present invention provides a polling device, and since the principle of solving the problem of the polling device is similar to the method in embodiment 1, the specific implementation thereof can refer to the implementation of the method in embodiment 1, and the description thereof is not repeated where the contents are the same. Fig. 3 is a schematic diagram of the polling device, which is applied to a server, and as shown in fig. 3, the polling device includes:
a first receiving unit 301, configured to receive a first poll initiated by a terminal device;
a first processing unit 302 for initiating a second poll to the processing system a plurality of times based on the first poll.
In this embodiment, reference may be made to steps 101 and 103 in embodiment 1 for specific implementations of the first receiving unit 301 and the first processing unit 302, which are not described herein again.
In this embodiment, the apparatus may further include:
a first obtaining unit 303 (optional) for obtaining a polling configuration, where the polling configuration includes a second polling time first threshold and/or a second polling time interval second threshold and/or a second polling number third threshold; the implementation manner can refer to step 102 in embodiment 1, and details are not repeated here.
And, the first processing unit 302 initiates the plurality of second polls according to the polling configuration.
In this embodiment, the apparatus may further include:
a sending unit (not shown, optionally), configured to return a response with an unknown processing result to the terminal device when the number of times of initiating the second polling is equal to the third threshold or the time of initiating the second polling exceeds the first threshold and the server does not receive the processing result, so that the terminal device initiates the next first polling according to the response, where an implementation manner of the sending unit may refer to embodiment 1, and details are not described here again.
In this embodiment, the processing system is a payment system, and the processing result is a payment result, but this embodiment is not limited thereto, and the processing system may also be other service providing systems.
Embodiment 3 further provides a server, and fig. 4 is a schematic diagram of a configuration of the server, as shown in fig. 4, the server includes a central processing unit 401 and a memory 402; the memory 402 is coupled to the central processor 401. The figure is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In this embodiment, the central processor 401 may be configured to perform: receiving a first polling initiated by the terminal equipment; based on the first poll, a second poll is initiated to the processing system a plurality of times.
In this embodiment, the central processor 401 may be configured to perform: acquiring a polling configuration, wherein the polling configuration comprises a first threshold of a second polling time and/or a second threshold of a second polling time interval and/or a third threshold of a second polling time.
In this embodiment, the central processor 401 may be configured to perform: the plurality of second polls is initiated in accordance with the polling configuration.
In this embodiment, the central processor 401 may be configured to perform: and when the second polling times are equal to the third threshold or the time for initiating the second polling exceeds the first threshold and the server does not receive the processing result, returning a response with unknown processing result to the terminal equipment so that the terminal equipment initiates the next first polling according to the response.
In this embodiment, reference may be made to embodiment 1 for a specific implementation performed by the central processing unit 401, which is not described herein again.
As shown in fig. 4, the central processor 401, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, the central processor 401 receiving input and controlling operation of the various components of the device 400.
In this embodiment, the memory 402 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. And the central processor 401 can execute the program stored in the memory 402 to realize information storage or processing, etc. The functions of other parts are similar to the prior art and are not described in detail here. The components of the server 400 may be implemented in dedicated hardware, firmware, software, or combinations thereof, without departing from the scope of embodiments of the invention.
In this embodiment, a server (not shown) is also provided, which includes the apparatus 300, or the apparatus 300 may be a chip connected to a central processing unit included in the server, and the function of the apparatus 300 is realized by the control of the central processing unit included in the server, and in addition, the server
The device may further include an input unit, a display, a power supply, a communication module (not shown), and the like, and the structure thereof may also refer to the prior art, which should not be taken as a limitation in this embodiment.
In this embodiment, the server may be a server of an application program (app).
According to the embodiment, the server initiates polling to the processing system for multiple times every time the terminal equipment initiates polling to the server, so that the public network interaction frequency between the terminal equipment with higher network transmission cost and the server can be reduced, and the server is prevented from being stressed greatly.
Example 4
Embodiment 4 of the present invention provides a payment apparatus, and since the principle of the apparatus for solving the problem is similar to the method in embodiment 2, the specific implementation thereof may refer to the implementation of the method in embodiment 2, and the description thereof is not repeated where the contents are the same. FIG. 5 is a schematic view of the apparatus, which is applied to a payment system, as shown in FIG. 5, the apparatus includes
A second receiving unit 501, configured to receive a deduction receipt message;
a second processing unit 502 for initiating a refund procedure when a predetermined condition is met.
In this embodiment, reference may be made to step 201 and step 202 in embodiment 2 for implementation of the second receiving unit 501 and the second processing unit 502, which are not described herein again.
In this embodiment, the apparatus may further include:
a second acquisition unit (not shown) for acquiring the timeout fourth threshold configuration information; wherein the fourth threshold is determined according to the time of one complete payment process; determining the deduction time according to the deduction receipt message;
and, the second processing unit 502 initiates a refund process when the difference between the deduction time and the payment initiation time exceeds the fourth threshold.
In this embodiment, the apparatus may further include:
a third acquiring unit (not shown) that acquires the order status;
when the order status is in the final state, the second processing unit 502 initiates a refund process.
In this embodiment, the apparatus may further include:
and a third receiving unit (not shown) for receiving a plurality of second polls initiated by the server based on the first poll initiated by the terminal device.
For the specific implementation of the second obtaining unit and the third receiving unit, reference may be made to embodiment 2, which is not described herein again.
The embodiment 4 further provides a payment system, and fig. 6 is a schematic diagram of the configuration of the payment system, as shown in fig. 6, which includes a central processing unit 601 and a memory 602; the memory 602 is coupled to the central processor 601. The figure is exemplary; other types of structures may also be used in addition to or in place of the structures to implement telecommunications or other functions.
In this embodiment, the central processor 601 may be configured to perform: receiving a deduction receipt message; when the preset condition is met, initiating a refund process
In this embodiment, the central processor 601 may be configured to perform: acquiring overtime fourth threshold configuration information; wherein, the fourth threshold value is determined according to the time of one complete payment process; determining the deduction time according to the deduction receipt message; and when the difference between the deduction time and the payment initiating time exceeds the fourth threshold value, initiating a refund process.
In this embodiment, the central processor 601 may be configured to perform: and acquiring the order state, and initiating a refund process when the order state is a final state.
In this embodiment, the central processor 601 may be configured to perform: and receiving a plurality of times of second polling initiated by the server based on the first polling initiated by the terminal equipment.
In this embodiment, the specific implementation executed by the central processing unit 601 may refer to embodiment 2, which is not described herein again.
As shown in FIG. 6, the central processor 601, also sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, the central processor 601 receiving input and controlling operation of the various components of the device 600.
In the present embodiment, the memory 602 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable devices. And the central processor 601 can execute the program stored in the memory 602 to realize information storage or processing, etc. The functions of other parts are similar to the prior art and are not described in detail here. The components of the payment system 600 may be implemented in dedicated hardware, firmware, software, or combinations thereof, without departing from the scope of embodiments of the invention.
In this embodiment, a payment system (not shown) is also provided, which includes the apparatus 500, or the apparatus 500 may be a chip connected to a central processor included in the payment system, and the function of the apparatus 500 is realized through the control of the central processor included in the apparatus, and the payment system may be a third party payment system.
According to the embodiment, when the deduction result is received and the preset condition is met, the payment system automatically initiates the refund process and refunds the deducted money to the account of the user, and therefore the user can be prevented from paying repeatedly.
Example 5
This embodiment 5 provides a terminal device, a server, a payment system, a mechanism, and a configuration center;
fig. 7 is a payment process flow diagram, as shown in fig. 7, the method including:
step 701, a user operates a terminal device to initiate payment; the server initiates a deduction request to the institution through the payment system;
because the mechanism needs a certain period in processing the deduction request, the mechanism can be asynchronously waited to return a deduction result receipt;
step 702, the payment system receives a deduction result receipt returned by the institution;
step 703, judging whether a preset condition is met; if yes, go to step 704, otherwise end;
step 704, the payment system initiates a refund process;
according to the embodiment, when the deduction result is received and the preset condition is met, the payment system automatically initiates the refund process and refunds the deducted money to the account of the user, and therefore the user can be prevented from paying repeatedly.
Step 705, in order to obtain the payment result, when the preset time is not exceeded or the initiation of the first polling does not exceed the preset times, the terminal device initiates a first polling to the server once; the predetermined time and the predetermined number of times may be obtained by the server after the first polling is initiated, and returned to the terminal device.
Step 706, the server obtains configuration information;
step 707, the server initiates a plurality of second polling to the payment system according to the configuration information;
step 708, the server judges whether to poll the payment result, and if not, step 709 is executed; if so, finishing polling and returning a payment result;
step 709, returning a payment result unknown response; return to step 705.
In this embodiment, steps 701 to 704 and steps 705 to 709 are independent processes, and this application does not limit the execution order, and they may be executed simultaneously or sequentially, and are not described herein, and specific embodiments thereof may refer to embodiments 1 and 2, and are not described herein.
According to the embodiment, the server initiates polling to the processing system for many times when the terminal equipment initiates polling to the server once, so that the public network interaction frequency between the terminal equipment with higher network transmission cost and the server can be reduced, and the server is prevented from being stressed greatly.
An embodiment of the present invention also provides a computer-readable program, wherein when the program is executed in a polling device, the program causes a computer to execute the polling method in the polling device as in embodiment 1 above.
Embodiments of the present invention also provide a computer-readable program, where the program causes a computer to execute the payment method in the polling device as in embodiment 2 above when the program is executed in the payment device.
The program may be software that can be run in the terminal device. For example: payment software such as payment treasures and WeChat.
Embodiments of the present invention also provide a computer-readable storage medium on which a computer program is stored, where the computer program is executed to implement the polling method in embodiment 1 above.
Embodiments of the present invention also provide a computer-readable storage medium on which a computer program is stored, where the computer program is executed to implement the payment method in embodiment 2 above.
Although the present application provides method steps as described in an embodiment or flowchart, additional or fewer steps may be included based on conventional or non-inventive efforts. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When implemented in practice, the apparatus or client products may be executed sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the methods shown in the embodiments or figures.
The apparatuses or modules illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. For convenience of description, the above devices are described as being divided into various modules by functions, and are described separately. The functionality of the various modules may be implemented in the same one or more pieces of software and/or hardware when the application is implemented. Of course, a module that implements a certain function may also be implemented by a plurality of sub-modules or a combination of sub-units.
The methods, apparatus or modules described herein may be implemented in computer readable program code means for a controller implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, Application Specific Integrated Circuits (ASICs), programmable logic controllers and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in purely computer readable program code means, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may therefore be considered as a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
Some of the modules in the apparatus described herein may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, classes, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
From the above description of the embodiments, it is clear to those skilled in the art that the present application can be implemented by software plus necessary hardware. Based on such understanding, the technical solution of the present application, which essentially or contributes to the prior art, may be embodied in the form of a software product, and may also be embodied in the implementation process of data migration. The computer software product may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a mobile terminal, a server, or a network device, etc.) to perform the methods described in the embodiments or some parts of the embodiments of the present application.
The embodiments in the present specification are described in a progressive manner, and the same or similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. All or portions of the present application are operational with numerous general purpose or special purpose computing system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, mobile communication terminals, multiprocessor systems, microprocessor-based systems, programmable electronic devices, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.
While the present application has been described with examples, those of ordinary skill in the art will appreciate that there are numerous variations and permutations of the present application without departing from the spirit of the application, and it is intended that the appended claims encompass such variations and permutations without departing from the spirit of the application.

Claims (20)

1. A polling method, wherein the method comprises:
the server receives a first polling initiated for acquiring a processing result after a service call request is initiated by the terminal equipment;
based on the first polling, the server initiates a second polling to the processing system a plurality of times.
2. The method of claim 1, wherein the method further comprises:
the server acquires a polling configuration, wherein the polling configuration comprises a first threshold of second polling time and/or a second threshold of second polling time interval and/or a third threshold of second polling times;
and the server initiates the plurality of second polls according to the polling configuration.
3. The method of claim 2, wherein the method further comprises:
and when the second polling times are equal to the third threshold value or the time for initiating the second polling exceeds the first threshold value and the server does not poll the processing result, returning a processing result unknown response to the terminal equipment, and initiating the next first polling by the terminal equipment according to the response.
4. A method according to claim 1 or 3, wherein the processing system is a payment system and the processing result is a payment result.
5. A payment method, wherein the method comprises:
the payment system receives a deduction receipt message;
when a predetermined condition is met, the payment system initiates a refund process,
the method further comprises the following steps:
the payment system receives a plurality of times of second polling initiated by a server based on a first polling initiated by a terminal device, wherein the first polling is initiated for acquiring a processing result after a service calling request is initiated by the terminal device.
6. The method of claim 5, wherein the method further comprises:
acquiring overtime fourth threshold configuration information;
determining the money deduction time according to the money deduction receipt message;
and when the predetermined condition is met, the payment system initiates a refund process comprising:
and when the time difference between the deduction time and the payment initiating time exceeds the fourth threshold value, the payment system initiates a refund process.
7. The method of claim 6, wherein the fourth threshold is determined according to a time of one complete payment procedure.
8. The method of claim 5, wherein the method further comprises:
acquiring an order state;
and when the predetermined condition is met, the payment system initiates a refund process comprising:
and when the order state is a final state, the payment system initiates a refund process.
9. A polling device, wherein it is applied to a server, the device comprising:
the first receiving unit is used for receiving a first polling initiated for acquiring a processing result after the terminal equipment initiates a service calling request;
a first processing unit to initiate a second poll to a processing system a plurality of times based on the first poll.
10. The apparatus of claim 9, wherein the apparatus further comprises:
a first obtaining unit, configured to obtain a polling configuration, where the polling configuration includes a first threshold of a second polling time and/or a second threshold of a second polling time interval and/or a third threshold of a second polling number;
and the first processing unit initiates the multiple second polling according to the polling configuration.
11. The apparatus of claim 10, wherein the apparatus further comprises:
and the sending unit is used for returning a processing result unknown response to the terminal equipment when the second polling times are equal to the third threshold or the time for initiating the second polling exceeds the first threshold and the server does not poll the processing result, so that the terminal equipment initiates the next first polling according to the response.
12. The apparatus of claim 9 or 11, wherein the processing system is a payment system and the processing result is a payment result.
13. A payment device applied to a payment system, wherein the device comprises:
a second receiving unit for receiving a deduction receipt message;
a second processing unit for initiating a refund procedure when a predetermined condition is satisfied,
the device further comprises:
and a third receiving unit, configured to receive a plurality of second polls initiated by the server based on a first poll initiated by the terminal device, where the first poll is initiated by the terminal device for obtaining a processing result after initiating the service invocation request.
14. The apparatus of claim 13, wherein the apparatus further comprises:
a second obtaining unit, configured to obtain timeout fourth threshold configuration information; determining the deduction time according to the deduction receipt message;
and the second processing unit initiates a refund process when the difference between the deduction time and the payment initiation time exceeds the fourth threshold.
15. The apparatus of claim 14, wherein the fourth threshold is determined according to a time of one complete payment procedure.
16. The apparatus of claim 13, wherein the apparatus further comprises:
a third acquiring unit for acquiring an order status;
and when the order state is the final state, the second processing unit initiates a refund process.
17. A server comprising a processor and a memory for storing processor-executable instructions which, when executed by the processor, implement the method of any one of claims 1 to 4.
18. A payment system comprising a processor and a memory for storing processor-executable instructions which, when executed by the processor, implement the method of any one of claims 5 to 8.
19. A computer-readable storage medium, on which a computer program is stored which, when executed, carries out the steps of the method of any one of claims 1 to 4.
20. A computer-readable storage medium, having stored thereon a computer program which, when executed, carries out the steps of the method of any of claims 5 to 8.
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