CN109064176A - A kind of transaction processing method, apparatus and system - Google Patents
A kind of transaction processing method, apparatus and system Download PDFInfo
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- CN109064176A CN109064176A CN201810596308.5A CN201810596308A CN109064176A CN 109064176 A CN109064176 A CN 109064176A CN 201810596308 A CN201810596308 A CN 201810596308A CN 109064176 A CN109064176 A CN 109064176A
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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
- G06Q20/38—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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- 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
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Abstract
Subject description discloses a kind of transaction processing methods, apparatus and system.The transaction processing method includes: when interacting between payment mechanism and capital management device causes target transaction not complete extremely, by obtaining external token of the capital management device to the corresponding client's transmission of target transaction；And the processing result of withholing of unfinished target transaction caused by interaction is interrupted is obtained based on the external token got；To restore the processing of target transaction according to processing result of withholing, realize and single recovery carried out by off-line data solve and carry out falling single the technical issues of restoring not in time caused by single restore in the prior art by online interaction, improve single regeneration rate.
Description
Technical field
This specification is related to software technology field, in particular to a kind of transaction processing method, apparatus and system.
Background technique
Fall and singly refer to for transaction instruction, submits to receiving mechanism such as bank when transmitting mechanism such as payment mechanism and handle
The trading processing result of receiving mechanism is not received afterwards.Falling single recovery is then that the Common Abnormity between transmitting mechanism and receiving mechanism restores
Mechanism can be in time to the state traded extremely when being mainly used between transmitting mechanism and receiving mechanism communication and being abnormal
That is trading processing result is confirmed, is convenient for closing single reimbursement or is continued to promote the subsequent processings such as transaction.
It is conventional fall it is single restore to be usually that transmitting mechanism actively periodically initiates inquiry to receiving mechanism, returned by receiving mechanism
Return specific processing.But since abnormal scene is more complicated, often there is reality and withholdd but inquire multiple can not still obtain knot
The case where fruit.Such as: under the special deals scenes such as big promotion, between payment mechanism and bank to fall one-state especially prominent,
And such situation is generally required and just can confirm that transaction end-state behind second day and bank's reconciliation, client is caused
Larger puzzlement, fund is deducted in one side customer bank card, and another aspect payment transaction is unable to complete.It needs a kind of new
Method is come the technical issues of solving single recovery not in time.
Summary of the invention
This specification embodiment provides a kind of transaction processing method, apparatus and system, for realizing by off-line data
Single to restore, single the technical issues of restoring not in time, is fallen in solution in the prior art.
In a first aspect, this specification embodiment provides a kind of transaction processing method, it is applied to payment mechanism, institute's method packet
It includes:
If the exception that interacts between the payment mechanism and capital management device causes target transaction not complete, institute is obtained
The external token that capital management device is sent to the client for carrying out the target transaction is stated, the external token includes the target
The processing result of withholing of transaction；
The external token is matched with the target transaction, obtains the processing result of withholing of the target transaction；
Restore the processing of the target transaction based on the processing result of withholing.
Optionally, the external token is matched with the target transaction, obtains the processing of withholing of the target transaction
As a result, comprising:
The external token is matched with the parameter preset in the target transaction；
If successful match, confirm that the corresponding transaction of the external token is the target transaction, from the external token
Obtain the processing result of withholing of the target transaction.
Optionally, the external token is specially character string, two dimensional code, bar code or audio.
Optionally, the external token that the capital management device is sent to the client for carrying out the target transaction, packet are obtained
It includes:
Token input interface is provided to client, obtains the external token of client's input；Or
It identifies the Transaction Information received in the client of the client, the external order is obtained from the Transaction Information
Board.
Optionally, the method also includes:
Parameter preset based on the corresponding transaction payment information of the target transaction, client generates payment instruction, and by institute
It states payment instruction and is sent to the capital management device, so that the capital management device carries out processing of withholing.
Optionally, the parameter preset includes:
For identification the unique identification of the corresponding target transaction of the payment instruction, the communicating number of the client and/or
The device identification of the client.
Second aspect, this specification embodiment provide a kind of transaction processing method, are applied to capital management device, the side
Method includes:
Receive the payment instruction that payment mechanism is sent；
Processing of withholing is carried out based on the payment instruction, and based on processing result and the payment instruction generation outside of withholing
Token；
The external token is sent to the client for the client that withholdd, so that the payment mechanism can pass through the visitor
Family end obtains the external token to carry out target transaction recovery.
Optionally, the result based on processing of withholing and the payment instruction generate external token, comprising:
Parameter preset in the result and the payment instruction of the processing of withholing is spliced, and is carried out using key
Encryption generates the external token.
Optionally, the parameter preset includes: for identification the unique identification of the corresponding target transaction of the payment instruction,
The device identification of the communicating number of the client and/or the client.
Optionally, the external token is specially character string, two dimensional code, bar code or audio.
The third aspect, this specification embodiment provide a kind of payment mechanism, comprising:
Token obtains module, if the exception that interacts between the payment mechanism and capital management device leads to target
Transaction does not complete, and obtains the external token that the capital management device is sent to the client for carrying out the target transaction, described outer
Portion's token includes the processing result of withholing of the target transaction；
Token matched module obtains the target and hands over for matching the external token with the target transaction
The result of easy processing of withholing；
Trade processing module restores the processing of the target transaction for the result based on the processing of withholing.
Optionally, the token matched module is used for:
The external token is matched with the parameter preset in the target transaction；
If successful match, confirm that the corresponding transaction of the external token is the target transaction, from the external token
Obtain the processing result of withholing of the target transaction.
Optionally, the external token is specially character string, two dimensional code, bar code or audio.
Optionally, the token obtains module and is used for:
Token input interface is provided to client, obtains the external token of client's input；Or
It identifies the Transaction Information received in the client of the client, the external order is obtained from the Transaction Information
Board.
Optionally, the trade processing module is also used to based on the corresponding transaction payment information of the target transaction, client
Parameter preset generate payment instruction；
The payment mechanism further include: instruction sending module, for the payment instruction to be sent to the capital management
Device, so that the capital management device carries out processing of withholing.
Optionally, the parameter preset includes:
For identification the unique identification of the corresponding target transaction of the payment instruction, the communicating number of the client and/or
The device identification of the client.
Fourth aspect, this specification embodiment provide a kind of capital management device, comprising:
Command reception module, for receiving the payment instruction of payment mechanism transmission；
Fund allocation module, for carrying out processing of withholing based on the payment instruction；
Token assembling module, for based on processing result and the external token of payment instruction generation of withholing；
Token sending module, for the external token to be sent to the client for the client that withholdd, so that the payment
Device can obtain the external token by the client to carry out target transaction recovery.
Optionally, the token splicing module is used for:
Parameter preset in the withhold processing result and the payment instruction is spliced, and is added using key
It is dense at the external token.
Optionally, the parameter preset includes: for identification the unique identification of the corresponding target transaction of the payment instruction,
The device identification of the communicating number of the client and/or the client.
Optionally, the external token is specially character string, two dimensional code, bar code or audio.
5th aspect, this specification embodiment provide a kind of transaction processing system, comprising:
Payment mechanism, for sending payment instruction；
Capital management device, for carrying out processing of withholing based on the payment instruction, and the result based on processing of withholing with
The payment instruction generates external token；The external token is sent to the client for the client that withholdd；
The payment mechanism is also used to: when the exception that interacts between the payment mechanism and the capital management device causes
When target transaction does not complete, the external token that the capital management device is sent to the client for carrying out target transaction is obtained；By institute
It states external token to be matched with the target transaction, obtains the result of the processing of withholing of the target transaction；Based on the button
The result of money processing restores the processing of the target transaction.
6th aspect, this specification embodiment provide a kind of computer readable storage medium, are stored thereon with computer journey
Sequence, the program perform the steps of when being executed by processor
If the exception that interacts between the payment mechanism and capital management device causes target transaction not complete, institute is obtained
The external token that capital management device is sent to the client for carrying out the target transaction is stated, the external token includes the target
The processing result of withholing of transaction；
The external token is matched with the target transaction, obtains the processing result of withholing of the target transaction；
Restore the processing of the target transaction based on the processing result of withholing.
7th aspect, this specification embodiment provide a kind of computer readable storage medium, are stored thereon with computer journey
Sequence, the program perform the steps of when being executed by processor
Receive the payment instruction that payment mechanism is sent；
Processing of withholing is carried out based on the payment instruction, and based on processing result and the payment instruction generation outside of withholing
Token；
The external token is sent to the client for the client that withholdd, so that the payment mechanism can pass through the visitor
Family end obtains the external token to carry out target transaction recovery.
Eighth aspect, this specification embodiment provide a kind of electronic equipment, include memory and one or one
Above program, one of them perhaps more than one program be stored in memory and be configured to by one or one with
It includes the instruction for performing the following operation that upper processor, which executes the one or more programs:
If the exception that interacts between the payment mechanism and capital management device causes target transaction not complete, institute is obtained
The external token that capital management device is sent to the client for carrying out the target transaction is stated, the external token includes the target
The processing result of withholing of transaction；
The external token is matched with the target transaction, obtains the processing result of withholing of the target transaction；
Restore the processing of the target transaction based on the processing result of withholing.
9th aspect, this specification embodiment provide a kind of electronic equipment, include memory and one or one
Above program, one of them perhaps more than one program be stored in memory and be configured to by one or one with
It includes the instruction for performing the following operation that upper processor, which executes the one or more programs:
Receive the payment instruction that payment mechanism is sent；
Processing of withholing is carried out based on the payment instruction, and based on processing result and the payment instruction generation outside of withholing
Token；
The external token is sent to the client for the client that withholdd, so that the payment mechanism can pass through the visitor
Family end obtains the external token to carry out target transaction recovery.
Said one or multiple technical solutions in this specification embodiment, at least have the following technical effect that
This specification embodiment provides a kind of transaction processing method, if payment mechanism is between capital management device
Interaction is abnormal as caused target transaction not complete offline, is sent by obtaining capital management device to the client for carrying out target transaction
External token, that is, off-line data, include that transaction is withholdd processing result in the outside token；By external token and target transaction
It is matched, and then obtains the result of the processing of withholing of target transaction；To which the result based on the processing of withholing got is restored
The processing of target transaction carries out single recovery by off-line data, it is too long to avoid offline time to realize single recovery
Or fall single the technical issues of restoring not in time caused by network congestion, reach the beneficial effect for improving single regeneration rate.
Detailed description of the invention
In order to illustrate more clearly of the technical solution in this specification embodiment, embodiment or the prior art will be retouched below
Attached drawing needed in stating is briefly described, it should be apparent that, the accompanying drawings in the following description is the one of this specification
A little embodiments for those of ordinary skill in the art without any creative labor, can also be according to this
A little attached drawings obtain other attached drawings.
Fig. 1 is the transaction processing system schematic diagram that this specification embodiment provides；
Fig. 2 is a kind of flow chart for transaction processing method that this specification embodiment provides；
Fig. 3 is a kind of schematic diagram for capital management device that this specification embodiment provides；
Fig. 4 is the schematic diagram for the token assembling module that this specification embodiment provides；
Fig. 5 provides a kind of schematic diagram of payment mechanism for this specification embodiment；
Fig. 6 provides the schematic diagram of token matched module for this specification embodiment；
Fig. 7 is the schematic diagram for a kind of electronic equipment that this specification embodiment provides.
Specific embodiment
To keep the purposes, technical schemes and advantages of this specification embodiment clearer, below in conjunction with this specification reality
The attached drawing in example is applied, the technical solution in this specification embodiment is clearly and completely described, it is clear that described reality
Applying example is this specification a part of the embodiment, instead of all the embodiments.The embodiment of base in this manual, this field are general
Logical technical staff every other embodiment obtained without creative efforts belongs to this specification protection
Range.
A kind of transaction processing method, apparatus and system are provided in this specification embodiment, for passing through in off-line case
Off-line data realizes single recovery, solves in the prior art because falling single restore not caused by offline time is too long or network congestion
Timely technical problem improves single regeneration rate.
With reference to the accompanying drawing to the main realization principle of this specification embodiment technical solution, specific embodiment and its right
The beneficial effect that should be able to reach is explained in detail.
Referring to FIG. 1, being a kind of transaction processing system provided by the embodiments of the present application.The transaction processing system includes: visitor
Family end 100, payment mechanism 200 and capital management device 300.Payment mechanism 200 is to provide the payment mechanism of payment services, fund
Managing device 300 is bank, provide with funds the fund allocations mechanisms such as the mechanism such as investment institution, credit office for handling service.This is
The major transaction process flow of system is as follows:
(1), client pays the bill to target transaction using the payment method that payment mechanism 200 provides, and inputs payment cipher
Afterwards, trading processing result is waited.
(2), payment mechanism 200 generates payment instruction to capital management device 300 after receiving the payment instruction of client
Initiate payment request.
(3), capital management device 300 receives the payment instruction of payment mechanism 200, carries out processing of withholing, will withhold processing
As a result it is returned according to the communication modes arranged with payment mechanism 200.Further, capital management device 300 is according to processing of withholing
As a result generating external token is external token, and external token is sent to client.
(4), under payment mechanism 200 and the smooth situation of 300 online interaction of capital management device, pass through the communication side of agreement
Formula acquisition withholds processing result to confirm transaction results.Payment mechanism 200 is interacting interruption with capital management device 300, i.e.,
In the case where falling list offline, for unfinished target transaction, payment mechanism 200 passes through in offline data, that is, client 100
External token carry out transaction results confirmation, independent of the real-time, interactive of payment mechanism 200 and capital management device 300, energy
It is enough to carry out single recovery in time in off-line case.This falls single recovery process can actively be initiated by client, can also be by paying
Device 200 is actively initiated, and single recovery process is adjusted to be completed by payment mechanism 200.
Referring to FIG. 2, being a kind of flow chart of transaction processing method provided in this embodiment.Firstly, payment mechanism 200 is held
Row S201 and S202 initiate payment request.
S201, payment instruction is generated: key message (such as client that payment information of trading, client are retained in payment mechanism
Account, customer name, cell-phone number, device identification of client etc., key message include to be not limited to above- mentioned information) it is assembled into payment
Instruction.Further, the unique identification of target transaction for identification can also be generated, and the unique identification and transaction payment are believed
Breath, key message be assembled into payment instruction together, in order to according to the unique identification to target transaction withhold processing result into
Row matching.Certainly, transaction payment information includes that paying party, beneficiary, transaction amount, transaction odd numbers etc. can be used for identification mesh
Mark transaction, but payment information of trading discloses relatively, is easy to be acquired, and the unique identification of above-mentioned target transaction is served only for payment mechanism
Trade confirmation is carried out between 200 and capital management device 300, safety is higher.
S22, payment instruction is sent to capital management device 300, and capital management device 300 is waited to return.
After S22, capital management device 300 is gone to, S301~S303 is executed by capital management device 300 and is withholdd
The generation and transmission of processing and outside token.
S301, the payment instruction that payment mechanism 200 is sent is received.
S302, processing of withholing is carried out based on the payment instruction received, and result and payment instruction based on processing of withholing
Generating external token is external token.For processing result of withholing, returned according further to the communication modes arranged with payment mechanism 200
Return payment mechanism 200.
External token is to uniquely determine a transaction and the transaction is withholdd the mark of processing result.External token is by paying
Device other than device 200 generates, and adjusts single recovery for carrying out in off-line case, and form can be string number, or
To encode existing for the other forms such as two dimensional code, bar code, image, audio, this specification embodiment is not intended to limit external token
Concrete form.It, can be by the default ginseng in the result and payment instruction of the processing of withholing of target transaction when generating external token
Number is spliced, and is carried out encryption using key and generated external token.Encrypt key information required for external token and close
Key algorithm is the algorithmic rule arranged with payment mechanism 200, including but not limited to symmetric cryptography, rivest, shamir, adelman or is made by oneself
The information Obfuscating Algorithms and its mating key of justice hash layout.Parameter preset for token outside assembly may include as follows
One or more information: the unique identification of the corresponding target transaction of payment instruction, the communicating number of client, client for identification
Device identification such as IMSI.
S303, the client 100 that external token is sent to the client that withholdd, so that payment mechanism 200 can pass through visitor
Family end 100 obtains the outside token to carry out target transaction recovery.
External token can be sent to client 100 by short message, the application that can also be provided by capital management device
Program such as " XX bank " App is sent to client 100, can also push to visitor by third party application such as wechat public platform
Family end 10, this illustrates that embodiment is not intended to limit the concrete mode for sending external token.It, can according to various forms of external token
To select different sending methods, such as: the external token of character string form can be sent to client by way of short message
End 100；The external token of the image formats such as bar code, two dimensional code can be sent to client in such a way that App information pushes
100。
Payment mechanism 200 is gone to after S303, is carried out by payment mechanism 200 by following transaction processing method single extensive
It is multiple:
If the exception that interacts between S203, payment mechanism 200 and capital management device 300 causes target transaction not complete
At the external token that acquisition capital management device 300 is sent to the client 100 for carrying out target transaction.
Specifically external token can be obtained in the following way: provide token input interface to client, obtain client's input
External token；Alternatively, the Transaction Information received in the client 100 (such as short message, wechat, bank App) of identification client,
External token is obtained from Transaction Information, realizes the automatic acquisition of external token.
S204, the external token that will acquire are matched with unfinished target transaction, obtain the place that withholds of target transaction
Manage result.
Specifically, first data parsing can be carried out to external token for the external token got, by Data Matching
The information needed such as parameter preset carries out structuring processing；Then, key information needed for reading pre-stored decryption and decryption
Treated that external token is decrypted to structuring for algorithm, wherein key information and decipherment algorithm are and capital management
What device 300 was arranged, the information of including but not limited to symmetrical decryption, asymmetric decipherment algorithm or customized hash layout obscures calculation
Method and its mating key；According to the token matching rule of definition, information such as parameter preset needed for obtaining matching target transaction into
Row splicing conversion and hashing；Then, by the external token progress after the information and decryption after splicing and hashing
Match, confirms the corresponding transaction of outside token to obtain target transaction from the external token after decryption after target transaction
It withholds processing result.
S205, the processing for restoring target transaction based on the processing result of withholing got.
If processing result of withholing, which shows to withhold, handles success, successful validation of information target transaction can be handled based on withholing
As a result: target transaction success, target end transaction or propulsion subsequent transaction.If processing result of withholing shows processing mistake of withholing
Lose, can be based on the validation of information target transaction result for processing failure of withholing: target transaction failure, re-initiate request of withholing,
It shuts down target transaction or continues waiting for the feedback of capital management device.Certainly, external token can also be in successful feelings of withholing
It is produced under condition, it, can be according to withholing to the successful target transaction of external token matched when restoring target transaction based on external token
Successful information is handled, confirmation target transaction succeeds and promotes subsequent transaction.
The transaction processing method provided based on the above embodiment, in the interaction of payment mechanism 200 and capital management device 300
In the case that exception is unable to complete target transaction, stateful transaction i.e. transaction results can be confirmed offline by token mode, and promote
Transaction continues with.It is huge for transaction funds, second day client for carrying out reconciliation confirmation can not be received, have biggish auxiliary to make
With.Meanwhile client can be allowed to participate in single process for restoring processing, enable fund in the operable range of client.And
And restores to fall single mode offline by external token and can preferably reduce system loss brought by multiple active inquiry
And performance cost, promote the treatment effeciency of both sides' interaction.
Referring to FIG. 3, the transaction processing method provided based on the above embodiment, capital management device provided in this embodiment
300 include:
Command reception module 301, for receiving the payment instruction of the transmission of payment mechanism 200；
Fund allocation module 302, for carrying out processing of withholing based on the payment instruction；
Token assembling module 303, for based on processing result and the external token of payment instruction generation of withholing；
Token sending module 304, for the external token to be sent to the client 100 for the client that withholdd, so that institute
The external token can be obtained by the client to carry out target transaction recovery by stating payment mechanism.
As an alternative embodiment, capital management device can also include command process module 305.Command reception
The payment instruction received is sent to command process module 305 by module 301, is forwarded to payment instruction by command process module
Fund allocation module 302.Certainly, payment instruction directly can also be sent to fund allocation module by command reception module 301
302。
Fund allocation module 302 carries out processing of withholing according to payment instruction, and the processing result that will withhold is transmitted to token spelling
Die-filling piece 303, alternatively, the processing result that will withhold is transmitted to command process module 305, order is forwarded to by command process module 305
Board assembling module 303.
Token assembling module 303 is when carrying out external token assembly, the processing result that can will specifically withhold and the result pair
It answers the parameter preset in payment instruction to be spliced, and carries out encryption using key and generate external token.Wherein, parameter preset can
To include the unique identification of the corresponding target transaction of the payment instruction, the communicating number of the client and/or institute for identification
State the device identification of client.External token is specifically as follows character string, two dimensional code, bar code or audio.
As an alternative embodiment, token assembling module 303 can specifically include: data parsing unit 31, number
According to assembled rigid unit 32, token assembly definition unit 33, key storing unit 34, as shown in Figure 4.Data parsing unit 31 is used for
Processing result of withholing is parsed, and the information that data assembly is needed carries out structuring processing, is sent to data after structuring processing
Assembled rigid unit 32 uses.Data dress unit 32 is for generating external token.Token assembly definition unit is generated for storing
Token rule is defined, is put in order, encryption rule and hashes rule etc. including at least the information unit of token assembly.Key
Storage unit 34 for storing key information and key algorithm required for encryption token, key information and key algorithm be with
The information and algorithmic rule that payment mechanism 200 is arranged, including but not limited to symmetric cryptography, rivest, shamir, adelman or customized scattered
The information Obfuscating Algorithms and its mating key of column layout.Data assembled rigid unit 32 is when generating external token, according to reading
The splicing rule of token assembly definition unit 33, chooses token and generates the information unit needed, carries out assembled conversion processing, so
The key information in key storing unit 34 is read afterwards, and hash encryption is carried out to obtain outside to the information after assembled conversion
token。
The external token that token sending module 304 generates token assembling module 303 is sent to client 100, Ke Yitong
The communication modes such as mobile communications network, internet are crossed, are sent to client 100 in a manner of short message, public platform notification information etc..Visitor
Family end 100 can be the integronics such as mobile phone, computer, be also possible to receive the special electronic equipment of token.
Referring to FIG. 5, the transaction processing method provided based on the above embodiment, payment mechanism 200 provided in this embodiment
May include:
Token obtains module 201, if for interacting abnormal cause between the payment mechanism and capital management device
Target transaction does not complete, and obtains the external token that the capital management device is sent to the client for carrying out the target transaction, institute
State the processing result of withholing that external token includes the target transaction；
Token matched module 202 obtains the target for matching the external token with the target transaction
The result of the processing of withholing of transaction；
Trade processing module 203 restores the processing of the target transaction for the result based on the processing of withholing.
As an alternative embodiment, token matched module 202 is used for: the external token and the target are handed over
Parameter preset in easily is matched；If successful match, confirm that the corresponding transaction of the external token is the target transaction, from
The processing result of withholing of the target transaction is obtained in the external token.
As an alternative embodiment, trade processing module 203 is also used to: being paid in client's confirmation to target transaction
In the case where, payment instruction is generated, and the payment instruction is sent to instruction according to the payment information of target transaction, parameter preset
Sending module 204, or instruction sending module 204 is forwarded to by command process module 205.Instruction sending module 204 will prop up
It pays instruction and is sent to capital management device 300, payment request is initiated, so that capital management device 300 carries out processing of withholing.Its
In, parameter preset include: for identification the unique identification of the corresponding target transaction of the payment instruction, client communicating number
And/or the device identification of client.
Capital management device 300 can send external token to client 100 after the processing that withhold.Token obtains mould
Block 201 can obtain in the following way external token: providing token input interface to client, obtain the described outer of client's input
Portion's token；Alternatively, identifying the Transaction Information that the client of the client receives, the outside is obtained from the Transaction Information
Token.Wherein, the external token is specially character string, two dimensional code, bar code or audio.
The external token that token obtains module 201 and will acquire is sent to the progress token matched of token matched module 202.
Referring to FIG. 6, token matched module 202 may include: data parsing unit 21, data matching unit 22, token matching definition
Unit 23 and key storing unit 24.Data parsing unit 21 is used for the external token being analyzed and acquired by, and Data Matching is needed
The information wanted carries out structuring processing, is sent to the use of data matching unit 22.Data matching unit 22 is responsible for of token
Match, according to the key information read in key storing unit 24, external token is decrypted, and reads token matching
The matching rule of definition unit 23, selection match information unit required for Token, carry out splicing conversion and hashing.Again
It is matched with the token after decryption.Likewise, key storing unit 24 contains key information required for decryption token
And key algorithm.Key information and key algorithm are the key information and algorithmic rule arranged with capital management device 300, including
But it is not limited to the information Obfuscating Algorithms and its mating key of symmetric cryptography, rivest, shamir, adelman or customized hash layout.
About the device in above-described embodiment, wherein modules, unit execute the concrete mode of operation related
It is described in detail in the embodiment of method, no longer elaborates herein.
Referring to FIG. 7, being that a kind of electronics for realizing data query method shown according to an exemplary embodiment is set
Standby 700 block diagram.For example, electronic equipment 700 can be computer, database console, tablet device, personal digital assistant
Deng.
Referring to Fig. 7, electronic equipment 700 may include following one or more components: processing component 702, memory 704,
Power supply module 706, multimedia component 708, the interface 710 and communication component 712 of input/output (I/O).
The integrated operation of the usual controlling electronic devices 700 of processing component 702 is such as grasped with display, data communication, and record
Make associated operation.Processing element 702 may include one or more processors 720 to execute instruction, above-mentioned to complete
The all or part of the steps of method.In addition, processing component 702 may include one or more modules, it is convenient for 702 He of processing component
Interaction between other assemblies.
Memory 704 is configured as storing various types of data to support the operation in equipment 700.These data are shown
Example includes the instruction of any application or method for operating on electronic equipment 700, contact data, telephone directory number
According to, message, picture, video etc..Memory 704 can by any kind of volatibility or non-volatile memory device or they
Combination realize, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM) is erasable
Programmable read only memory (EPROM), programmable read only memory (PROM), read-only memory (ROM), magnetic memory, quick flashing
Memory, disk or CD.
Power supply module 706 provides electric power for the various assemblies of electronic equipment 700.Power supply module 706 may include power supply pipe
Reason system, one or more power supplys and other with for electronic equipment 700 generate, manage, and distribute the associated component of electric power.
I/O interface 710 provides interface between processing component 702 and peripheral interface module, and above-mentioned peripheral interface module can
To be keyboard, click wheel, button etc..These buttons may include, but are not limited to: home button, volume button, start button and lock
Determine button.
Communication component 712 is configured to facilitate the communication of wired or wireless way between electronic equipment 700 and other equipment.
Electronic equipment 700 can access the wireless network based on communication standard, such as WiFi, 2G or 3G or their combination.Show at one
In example property embodiment, communication component 712 receives broadcast singal or broadcast from external broadcasting management system via broadcast channel
Relevant information.In one exemplary embodiment, the communication component 712 further includes near-field communication (NFC) module, short to promote
Cheng Tongxin.For example, radio frequency identification (RFID) technology, Infrared Data Association (IrDA) technology, ultra wide band can be based in NFC module
(UWB) technology, bluetooth (BT) technology and other technologies are realized.
In the exemplary embodiment, electronic equipment 700 can be by one or more application specific integrated circuit (ASIC), number
Word signal processor (DSP), digital signal processing appts (DSPD), programmable logic device (PLD), field programmable gate array
(FPGA), controller, microcontroller, microprocessor or other electronic components are realized, for executing the above method.
In the exemplary embodiment, a kind of non-transitorycomputer readable storage medium including instruction, example are additionally provided
It such as include the memory 704 of instruction, above-metioned instruction can be executed by the processor 720 of electronic equipment 700 to complete the above method.Example
Such as, the non-transitorycomputer readable storage medium can be ROM, random access memory (RAM), CD-ROM, tape, soft
Disk and optical data storage devices etc..
A kind of non-transitorycomputer readable storage medium, when the instruction in the storage medium is by the processing of mobile terminal
When device executes, so that electronic equipment is able to carry out a kind of transaction processing method, which comprises
Receive the payment instruction that payment mechanism is sent；Processing of withholing is carried out based on the payment instruction, and based on the place that withholds
It manages result and the payment instruction generates external token；The external token is sent to the client for the client that withholdd, so that
The payment mechanism can obtain the external token by the client to carry out target transaction recovery.And/or if institute
The exception that interacts stated between payment mechanism and capital management device causes target transaction not complete, and obtains the capital management device
The external token sent to the client for carrying out the target transaction, the external token include the processing of withholing of the target transaction
As a result；The external token is matched with the target transaction, obtains the processing result of withholing of the target transaction；It is based on
The processing result of withholing restores the processing of the target transaction.
It should be understood that the present invention is not limited to the precise structure already described above and shown in the accompanying drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present invention is limited only by the attached claims
The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, it is all in spirit of the invention and
Within principle, any modification, equivalent replacement, improvement and so on be should all be included in the protection scope of the present invention.
Claims (25)
1. a kind of transaction processing method, is applied to payment mechanism, institute's method includes:
If the exception that interacts between the payment mechanism and capital management device causes target transaction not complete, the money is obtained
The external token that golden managing device is sent to the client for carrying out the target transaction, the external token includes the target transaction
Processing result of withholing；
The external token is matched with the target transaction, obtains the processing result of withholing of the target transaction；
Restore the processing of the target transaction based on the processing result of withholing.
2. the method as described in claim 1, the external token is matched with the target transaction, is obtained the target and is handed over
Easy processing result of withholing, comprising:
The external token is matched with the parameter preset in the target transaction；
If successful match, confirms that the corresponding transaction of the external token is the target transaction, obtained from the external token
The processing result of withholing of the target transaction.
3. the method as described in claim 1 obtains the capital management device and sends to the client for carrying out the target transaction
External token, comprising:
Token input interface is provided to the client, obtains the external token of client's input；Or the identification visitor
The Transaction Information received in the client at family obtains the external token from the Transaction Information.
4. the method as described in claims 1 to 3 is any is obtaining the capital management device to the progress target transaction
Before the external token that client sends, the method also includes:
Parameter preset based on the corresponding transaction payment information of the target transaction, client generates payment instruction, and by the branch
It pays instruction and is sent to the capital management device, so that the capital management device carries out processing of withholing.
5. method as claimed in claim 4, the parameter preset include:
The unique identification of the corresponding target transaction of the payment instruction, the communicating number of the client and/or described for identification
The device identification of client.
6. the method as described in claims 1 to 3 is any, the external token be specially character string, two dimensional code, bar code or
Person's audio.
7. a kind of transaction processing method is applied to capital management device, which comprises
Receive the payment instruction that payment mechanism is sent；
Processing of withholing is carried out based on the payment instruction, and based on processing result and the external order of payment instruction generation of withholing
Board；
The external token is sent to the client for the client that withholdd, so that the payment mechanism can pass through the client
The external token is obtained to carry out target transaction recovery.
8. the method for claim 7, the result based on processing of withholing and the payment instruction generate external token,
Include:
Parameter preset in the result and the payment instruction of the processing of withholing is spliced, and is encrypted using key
Generate the external token.
9. method according to claim 8, the parameter preset includes: the corresponding target of the payment instruction is handed over for identification
The communicating number of easy unique identification, the client and/or the device identification of the client.
10. the method as described in claim 7~9 is any, the external token is specially character string, two dimensional code, bar code
Or audio.
11. a kind of payment mechanism, comprising:
Token obtains module, leads to target transaction not for the exception that interacts between the payment mechanism and capital management device
Under performance, the external token that the capital management device is sent to the client for carrying out the target transaction is obtained, it is described outer
Portion's token includes the processing result of withholing of the target transaction；
Token matched module obtains the target transaction for matching the external token with the target transaction
It withholds the result of processing；
Trade processing module restores the processing of the target transaction for the result based on the processing of withholing.
12. device as claimed in claim 11, the token matched module is used for:
The external token is matched with the parameter preset in the target transaction；
If successful match, confirms that the corresponding transaction of the external token is the target transaction, obtained from the external token
The processing result of withholing of the target transaction.
13. payment mechanism as claimed in claim 11, the token obtains module and is used for:
Token input interface is provided to client, obtains the external token of client's input；Or
It identifies the Transaction Information received in the client of the client, the external token is obtained from the Transaction Information.
14. the payment mechanism as described in claim 11~13 is any, the trade processing module is also used to based on the target
Trade it is corresponding transaction payment information, client parameter preset generate payment instruction；
The payment mechanism further include: instruction sending module, for the payment instruction to be sent to the capital management device,
So that the capital management device carries out processing of withholing.
15. payment mechanism as claimed in claim 14, the parameter preset include:
The unique identification of the corresponding target transaction of the payment instruction, the communicating number of the client and/or described for identification
The device identification of client.
16. the payment mechanism as described in claim 11~13 is any, the external token be specially character string, two dimensional code,
Bar code or audio.
17. a kind of capital management device, comprising:
Command reception module, for receiving the payment instruction of payment mechanism transmission；
Fund allocation module, for carrying out processing of withholing based on the payment instruction；
Token assembling module, for based on processing result and the external token of payment instruction generation of withholing；
Token sending module, for the external token to be sent to the client for the client that withholdd, so that the payment mechanism
The external token can be obtained by the client to carry out target transaction recovery.
18. capital management device as claimed in claim 17, the token splicing module is used for:
Parameter preset in the withhold processing result and the payment instruction is spliced, and carries out encryption life using key
At the external token.
19. capital management device as claimed in claim 18, the parameter preset includes: the payment instruction pair for identification
The device identification of the unique identification for the target transaction answered, the communicating number of the client and/or the client.
20. the capital management device as described in claim 17~19 is any, the external token is specially character string, two dimension
Code, bar code or audio.
21. a kind of transaction processing system, comprising:
Payment mechanism, for sending payment instruction；
Capital management device, for carrying out processing of withholing based on the payment instruction, and the result based on processing of withholing and described
Payment instruction generates external token；The external token is sent to the client for the client that withholdd；
The payment mechanism is also used to: the exception that interacts between the payment mechanism and the capital management device leads to target
In the case that transaction does not complete, obtains the capital management device and enabled to the outside that the client for carrying out the target transaction sends
Board；The external token is matched with the target transaction, obtains the result of the processing of withholing of the target transaction；It is based on
The result of the processing of withholing restores the processing of the target transaction.
22. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the program is by processor
It is performed the steps of when execution
If the exception that interacts between the payment mechanism and capital management device causes target transaction not complete, the money is obtained
The external token that golden managing device is sent to the client for carrying out the target transaction, the external token includes the target transaction
Processing result of withholing；
The external token is matched with the target transaction, obtains the processing result of withholing of the target transaction；
Restore the processing of the target transaction based on the processing result of withholing.
23. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the program is by processor
It is performed the steps of when execution
Receive the payment instruction that payment mechanism is sent；
Processing of withholing is carried out based on the payment instruction, and based on processing result and the external order of payment instruction generation of withholing
Board；
The external token is sent to the client for the client that withholdd, so that the payment mechanism can pass through the client
The external token is obtained to carry out target transaction recovery.
24. a kind of electronic equipment, which is characterized in that include memory and one or more than one program, wherein one
A perhaps more than one program is stored in memory and is configured to execute described one by one or more than one processor
A or more than one program includes the instruction for performing the following operation:
If the exception that interacts between the payment mechanism and capital management device causes target transaction not complete, the money is obtained
The external token that golden managing device is sent to the client for carrying out the target transaction, the external token includes the target transaction
Processing result of withholing；
The external token is matched with the target transaction, obtains the processing result of withholing of the target transaction；
Restore the processing of the target transaction based on the processing result of withholing.
25. a kind of electronic equipment, which is characterized in that include memory and one or more than one program, wherein one
A perhaps more than one program is stored in memory and is configured to execute described one by one or more than one processor
A or more than one program includes the instruction for performing the following operation:
Receive the payment instruction that payment mechanism is sent；
Processing of withholing is carried out based on the payment instruction, and based on processing result and the external order of payment instruction generation of withholing
Board；
The external token is sent to the client for the client that withholdd, so that the payment mechanism can pass through the client
The external token is obtained to carry out target transaction recovery.
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