CN109559212A - A kind of refund processing method, device, equipment and system - Google Patents

A kind of refund processing method, device, equipment and system Download PDF

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Publication number
CN109559212A
CN109559212A CN201811399375.4A CN201811399375A CN109559212A CN 109559212 A CN109559212 A CN 109559212A CN 201811399375 A CN201811399375 A CN 201811399375A CN 109559212 A CN109559212 A CN 109559212A
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China
Prior art keywords
refund
commodity
request
payment
user terminal
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Granted
Application number
CN201811399375.4A
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Chinese (zh)
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CN109559212B (en
Inventor
朴永彬
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Advanced Nova Technology Singapore Holdings Ltd
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Alibaba Group Holding Ltd
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Priority to CN201811399375.4A priority Critical patent/CN109559212B/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/10Tax strategies
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0208Trade or exchange of goods or services in exchange for incentives or rewards
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0234Rebates after completed purchase

Abstract

This specification embodiment discloses a kind of refund processing method, device, equipment and system, it include: to be requested to send the payment request to the commodity to payment system according to the purchase received when the user that merchant end receives user terminal transmission requests the purchase of commodity;When receiving the payment completion information for payment request feedback, the refund request for carrying the Transaction Information of the commodity is sent to refund system, the refund request obtains refund processing result for requesting the refund system to carry out refund processing according to the Transaction Information of the commodity.

Description

A kind of refund processing method, device, equipment and system
Technical field
This specification embodiment be related to field of computer technology more particularly to a kind of refund processing method, device, equipment and System.
Background technique
As the people of social development, overseas trip, work or study is more and more, during departure, it is often necessary to In face of problem of refunding.In addition, during Hai Tao, it is also possible to encounter commodity refund problem.
In the art, for user after doing shopping and paying to duty free shop, merchant end provides the purchase of free commodities Object voucher and refund document.User submits the information such as shopping voucher and refund document in departure, to designated place, is moved back Tax.Shopping payment and refund under line may be implemented in this.
Summary of the invention
In view of this, this specification embodiment provides a kind of refund processing side for realizing online shopping payment and refund Method, device, equipment and system.
This specification embodiment adopts the following technical solutions:
This specification embodiment provides a kind of refund processing method, is applied to merchant end, comprising:
The user that user terminal is sent is received to request the purchase of commodity;
It is requested to send the payment request to the commodity to payment system according to the purchase received;
When receiving the payment completion information for payment request feedback, is sent to refund system and carry the quotient The refund of the Transaction Information of product is requested, and the refund request is for requesting the refund system according to the Transaction Information of the commodity Refund processing is carried out, refund processing result is obtained.
This specification embodiment also provides a kind of refund processing system, comprising:
User terminal sends user to merchant end and requests the purchase of commodity;
Merchant end requests to send to payment system to the commodity according to the purchase received from the user terminal Payment request is sent described in carrying when receiving the payment completion information for payment request feedback to refund system The refund of the Transaction Information of commodity is requested;
Refund system carries out refund processing according to the refund request received from the merchant end, obtains at refund Manage result.
This specification embodiment also provides a kind of refund processing unit, comprising:
Receiving module receives the user that user terminal is sent and requests the purchase of commodity, and the purchase request includes disbursement letter Breath;
Sending module is paid, requests to send to payment system according to the purchase received and the payment of the commodity is asked It asks;
Refund sending module, when receiving the payment completion information for payment request feedback, to refund system The refund request for carrying the Transaction Information of the commodity is sent, the refund request is for requesting the refund system according to The Transaction Information of commodity carries out refund processing.
This specification embodiment also provides a kind of electronic equipment, including at least one processor and memory, memory are deposited Program is contained, and is configured to execute following steps by least one processor:
The user that user terminal is sent is received to request the purchase of commodity;
It is requested to send the payment request to the commodity to payment system according to the purchase received;
When receiving the payment completion information for payment request feedback, is sent to refund system and carry the quotient The refund of the Transaction Information of product is requested, and the refund request is for requesting the refund system according to the Transaction Information of the commodity Refund processing is carried out, refund processing result is obtained.
This specification embodiment use at least one above-mentioned technical solution can reach it is following the utility model has the advantages that
When the user that merchant end receives user terminal transmission requests the purchase of commodity, according to the purchase received It requests to send the payment request to the commodity to payment system;It is completed when receiving the payment for payment request feedback When information, the refund request for carrying the Transaction Information of the commodity is sent to refund system, the refund request is for requesting It states refund system and refund processing is carried out according to the Transaction Information of the commodity, obtain refund processing result.This specification embodiment Record provides one kind and realizes online shopping and payment scheme in merchant end, and can satisfy growing online shopping and refund needs It asks, there is good user experience.
Detailed description of the invention
Attached drawing described herein is used to provide to further understand this specification embodiment, constitutes one of the application Point, the illustrative embodiments and their description of this specification are not constituted an undue limitation on the present application for explaining the application.? In attached drawing:
Fig. 1 is a kind of structural schematic diagram for refund processing system that this specification embodiment proposes;
Fig. 2 is a kind of flow diagram for refund processing method that this specification embodiment proposes;
Fig. 3 is a kind of flow diagram for refund processing method that this specification embodiment proposes;
Fig. 4 is a kind of flow diagram for refund processing method that this specification embodiment proposes;
Fig. 5 is a kind of structural schematic diagram for refund processing unit that this specification embodiment proposes.
Specific embodiment
It carries out analysis to the prior art to find, the prior art provides does shopping and refund scheme under a kind of line, this is unable to satisfy Growing online shopping and refund demand, especially can satisfy user and encounters online shopping and refund during departure Demand.
This specification embodiment provides a kind of refund processing method, device, equipment and system, receives use in merchant end When the user that family end is sent requests the purchase of commodity, request to send to payment system to described according to the purchase received The payment request of commodity;When receiving the payment completion information for payment request feedback, taken to the transmission of refund system The refund of Transaction Information with the commodity is requested, and the refund request is for requesting the refund system according to the commodity Transaction Information carries out refund processing, obtains refund processing result.The record of this specification embodiment provides a kind of in merchant end realization Online shopping and payment scheme can satisfy growing online shopping and refund demand, have good user experience.
To keep the purposes, technical schemes and advantages of the application clearer, below in conjunction with this specification specific embodiment And technical scheme is clearly and completely described in corresponding attached drawing.Obviously, described embodiment is only this explanation Book a part of the embodiment, instead of all the embodiments.The embodiment of base in this manual, those of ordinary skill in the art exist Every other embodiment obtained under the premise of creative work is not made, shall fall in the protection scope of this application.
Below in conjunction with attached drawing, the technical solution that each embodiment of this specification provides is described in detail.
Fig. 1 is a kind of structural schematic diagram for refund processing system that this specification embodiment proposes.
Refering to what is shown in Fig. 1, the refund processing system may include: user terminal 101, merchant end 102 and refund system 103。
User terminal 101 is used for, and is sent user to merchant end 102 and is requested the purchase of commodity;
Merchant end 102 is used for, and executes delivery operation according to the purchase request received from user terminal 101, specifically It sends to payment system to the payment requests of the commodity, when receiving the payment completion information for payment request feedback When, the refund request for carrying the Transaction Information of the commodity is sent to refund system 103;
Refund system 103 carries out refund processing according to the refund request received from merchant end 102, determines refund Processing result.
In this specification embodiment, user terminal 101 can be user oriented shopping need, run the client of application program End or browser end.In a particular application, user terminal 101 can be applied to self-service sale device, PC PC or mobile terminal. User can be bought goods by user terminal 101, and sent the purchase to specific commodity by user terminal 101 and requested.
In this way, purchase request may include the commodity sign for needing to buy and user identifier.Commodity sign is used for marking The commodity that family is chosen are identified for user.Commodity sign may include the information such as product name, attribute, the place of production, in this specification reality Applying can also include refund mark in example, and refund mark prompt user selects to enjoy the commodity of refund service.Merchant end 102 can be with Commodity, the amount of money etc. that user chooses are determined according to commodity sign.
User identifier may include one of the account information of user terminal, shipping address information, consignee's information or more Kind.
In this specification embodiment, purchase request is also used while the commodity that user browses are bought in request The commodity currently chosen are settled accounts in request.In this way, merchant end 102 is when receiving the intention of the purchase and clearing, it can To send the payment request to current commodity to payment system.
Payment request may include user identifier, payment amount, merchant identification etc., numerous to list herein.Payment system According to payment request from user identifier corresponding to payment account withhold and beat money with to the corresponding collecting account of merchant identification.In one kind In scene, user identifier may include the payment account of user's authorization, such as bank card information.In another application scenarios, use Family mark can not include payment account, and payment system can inquire corresponding payment account according to user identifier.
Merchant end 102 handles the purchase request from user terminal 101, then sends payment request to payment system.Trade company End 102 can be the server-side corresponding to user terminal 101.Merchant end 102 is for pushing commodity detail information, sending payment request It is requested with refund is initiated.
The refund request of 103 special disposal of refund system can specifically correspond to Custom system or refund company side server-side. Refund system 103 can receive the refund request that each merchant end 102 is sent, and whether audit current commodity transaction meets refund rule Then, refund processing result is generated.
Fig. 2 is a kind of flow diagram for refund processing method that this specification embodiment proposes, this refund processing method Applied to merchant end.
Step 201: receiving the purchase to commodity that user terminal is sent and request.
In a particular application, shopping end shows that merchandise news, merchandise news may include commodity sign, price etc., herein It is not specifically limited.Shopping end can generate purchase request according to specified operation of the user to selective purchase.Purchase request can be with Comprising choose commodity sign, one of user identifier or a variety of, be not specifically limited herein.
Specifically, before the user for receiving user terminal transmission is to the purchase request of commodity, can also include:
Receive access operation of the user to the commodity of user terminal transmission;
Based on the access operation, Xiang Suoshu user terminal pushes the detail information of the commodity.
Merchant end shows commodity by user terminal, and user can be browsed by user terminal, be bought goods.The access operation It can be specified operation of the user to specific commodity, such as click or touch, be intended to the details letter that expectation browses commodity Breath.This presents a kind of online shopping scene.
Wherein, the detail information of commodity includes richer merchandise news, can pass through picture, text, video, audio etc. Form is shown.In addition, may include: to the detail information of user terminal push commodity
The refund of commodity is identified to user terminal push.
The refund mark can specifically include enjoyable refund ratio for marking the commodity for enjoying TAX FREE SHOPPING service At least one of example and corresponding refund process, are not specifically limited herein.
In a particular application, the detail information of the commodity is pushed to user terminal, also to include:
Following at least one payment selection to user terminal push to the commodity:
Tax-free price is paid, refund guarantee is provided;
Pay price including tax.
In this case, user can select above-mentioned one of payment selection by user terminal, generate purchase request. In this way, purchase request may include user identifier, user identifier may include user account information, commodity consignee's information, simultaneously It can also be selected comprising the payment to commodity.User account information can be the account information that user registers in user terminal, specifically It can be mailbox, cell-phone number, pet name etc., be not specifically limited herein.
Step 203: being requested to send the payment request to the commodity to payment system according to the purchase received.
In this specification embodiment, after user terminal receives purchase request, delivery operation can be executed, to payment system Send the payment request to commodity.
In conjunction with above step 201, requesting to send to payment system to the commodity according to the purchase received Before payment request, may include:
One of user identifier, merchant identification, payment selection or a variety of are obtained from purchase request;
According to one of the user identifier, merchant identification, payment selection or a variety of, generation payment request.Wherein, it props up It pays selection and can be and exempt from taxation the payment selection of price to commodity, or the payment of commodity price including tax is selected.
User identifier is used to determine the payment account of user.In one case, user identifier may include payment account, Such as bank's card number, which is sent to bank payment system by payment request by merchant end.In another case, it uses Family mark can not include payment account, and payment system can obtain payment account corresponding with user identifier from database, It withholds.
Merchant identification may include the collecting account of trade company, and payment system can beat money into the collecting account.
In a kind of application example, if merchant end is to provide the businessman of the commodity, according to the purchase received It requests to send the payment request to the commodity to payment system, may include:
The payment request to commodity is directly sent to payment system.
It is applied in example in another kind, if merchant end is to support the electric business platform of third party businessman, according to what is received The purchase request sends the payment request to the commodity to payment system, may include:
Purchase request is sent to third party businessman to confirm;
It, then can be according to the confirmation message of third party businessman to payment after the confirmation message for receiving third party businessman System sends the payment request to commodity.
When receiving the payment completion information that payment system feeds back payment request, it can be traded and be given birth to according to current commodity At the Transaction Information of commodity.The Transaction Information of commodity may include following one or more factors: commodity sign, payment information, User identifier, merchant identification.
Step 205: when receiving the payment completion information for payment request feedback, being taken to the transmission of refund system The refund of Transaction Information with the commodity is requested, and the refund request is for requesting the refund system according to the commodity Transaction Information carries out refund processing, obtains refund processing result.
In this specification embodiment, if purchase request includes the selection of the payment to the commodity price including tax, It can be directly to refund system refund request.
In this specification embodiment, if payment request include to the commodity exempt from taxation price payment selection, to Before refund system sends the refund request for carrying the Transaction Information of the commodity, refund processing method can also include:
The refund guarantee authorization requests for carrying amount of guarantee are sent to the user terminal;
When receiving refund guarantee authorization message of the user terminal according to refund guarantee authorization requests feedback, execution pair The freeze operation of the amount of guarantee.
In this specification embodiment, refund guarantee authorization message may include account with power of attorney information, amount of guarantee.Work as quotient Family termination receives when freezing to complete information of refund system transmission, executes the freeze operation to amount of guarantee in authorization account.
The refund vouch-for request is used to that user terminal offer to be requested to be tendered guarantee for the refund of current commodity, and purpose exists In, if refund failure in the future, need to deduct the refund amount of money in the collateral warranty amount of money, conversely, if refunding successfully in the future, load of thawing Insurance money volume, without deducting the refund amount of money again.
The refund amount of money can be determined that the refund amount of money can be equal to or less than commodity surtax by commodity surtax.Amount of guarantee It can be equal to or more than the refund amount of money.In this specification embodiment, the refund amount of money can be determined by merchant end according to refund standard, It can show in the detail information of commodity.In another application example, the refund amount of money can be obtained by merchant end from refund system, It is not specifically limited herein.
Refund vouch-for request is for requesting user terminal to confirm the specific secured account information of user and amount of guarantee Authorization, secured account information can be bank card number, Third-party payment account etc., be not specifically limited herein.Wherein, account is assured Family information can be the payment account information in alleged payment process above, and user can carry out license confirmation by user terminal.
In this specification embodiment, the freeze operation to amount of guarantee is executed, may include:
Refund guarantee authorization message is sent to refund system, the refund guarantee authorization message is used for the refund System is to payment system request for freezing amount of guarantee.After freezing successfully, refund system can be sent out amount of guarantee freezing information Give merchant end.
When merchant end receives the amount of guarantee freezing information of refund system transmission, sent to refund system described in carrying The refund of the Transaction Information of commodity is requested.
At this time under scene, refund system after the approval, can request payment system to be thawed frozen refund request Amount of guarantee.
In this specification embodiment, the freeze operation to amount of guarantee is executed, may include:
The freeze request to amount of guarantee is sent to payment system;
When receiving the amount of guarantee freezing information of payment system feedback, is sent to refund system and carry the commodity The refund of Transaction Information is requested.
At this point, refund request can also include amount of guarantee freezing information.
In this specification embodiment, it is requested sending the refund for carrying the Transaction Information of the commodity to refund system Before, can also include:
It is obtained according to the Transaction Information of the commodity in the user identifier for initiating the purchase request and commodity refund mark At least one;
According at least one of user identifier and commodity refund mark, refund legitimacy certification is carried out;
After legitimacy of refunding authenticates successfully, the Transaction Information for sending to refund system and carrying the commodity is executed Refund request.
Specifically, according at least one of user identifier and commodity refund mark, refund legitimacy certification is carried out, it can be with Include:
By the user identifier and commodity refund mark at least one of be sent to refund legitimacy certification end, request into Row refund legitimacy certification.Legitimacy certification end refund as the third party system for authenticating qualification with refund legitimacy, can be Customs's platform or refund system or other platforms with certification qualification realize refund legitimacy certification.
If merchant end itself has refund legitimacy certification qualification, refund legitimacy certification can be directly carried out.
Wherein, refund legitimacy certification is carried out according to user identifier, specifically can be and judges whether the user identity meets Refund bulk conditions.In a kind of application example, if the user for holding Foreign Passports home does shopping, according to the transaction of commodity The Transaction Information of acquisition of information user passport information and commodity carries out refund legitimacy certification.
In this application scenarios, refund main body needs to hold Foreign Passports and/or travel information.
In addition, carrying out refund legitimacy certification according to commodity sign, specifically judge whether current commodity meets refund visitor Concrete conditions in the establishment of a specific crime.In a kind of application example, if user buys foreign commodities, which, which carries, home enjoys refund service Refund mark can then carry out refund legitimacy certification according to the commodity transaction information of refund mark and this transaction.
In this application scenarios, can there is no inevitable requirement to refund main body, when goods themselves meet refund rule, It can refund.
In this specification embodiment, refund system carries out refund processing, acquired refund according to the Transaction Information of commodity Processing result is successfully and to fail.
If obtain payment information of the user to price including tax from the Transaction Information of commodity, refund system can be by refund gold Volume is returned into user's refund account.User's refund account can be obtained from Transaction Information, can also be obtained from payment system, This is not specifically limited.
Specifically, refund system carry out refund can be it is instant, be also possible to confirmation user departure after carry out again Refund (this situation is directed to nonlocal tourist and home buys refund commodity).In this process, for a user, it need not run It goes the sales counter of refund mechanism to carry out refund operation, promotes user experience.
In this specification embodiment, if merchant end executes the freeze operation to amount of guarantee, merchant end is being received When successfully refund processing result of refunding, the operation of the defrosting to frozen amount of guarantee can be executed.
Specifically, it executes the defrosting to frozen amount of guarantee to operate, may include:
It sends the defrosting to frozen amount of guarantee to payment system to request, the defrosting request is freezed including amount of guarantee Information (specifically refers to the content for executing freeze operation above).
In another example, if refund system in advance freezes refund amount of guarantee, the system of refund can be to Payment system sends the defrosting to amount of guarantee and requests.
In this specification embodiment, if refund processing result is refund failure, execute to frozen guaranty fund The operation of withholing of volume.Specifically, merchant end can send the request of withholing to frozen amount of guarantee to payment system, withhold Request can be request payment system and will withhold and pay refund system, the surtax as payment.
In another scene, if refund system in advance freezes refund amount of guarantee, when refunding failure, then move back Tax system can withhold to frozen amount of guarantee with direct request payment system, as surtax.
In this specification embodiment, when merchant end receive refund processing system send refund processing result, can will The refund processing result is sent to user terminal.
The refund processing method that this specification embodiment is recorded, may be implemented online shopping and payment, can satisfy increasingly The online shopping and refund demand of growth, have good user experience.
Fig. 3 is that one of a kind of refund processing method that this specification embodiment proposes applies exemplary timing diagram.
Step 301: user terminal 3A sends user to the access operation of commodity to merchant end 3B;
Step 303: merchant end 3B pushes the detail information of commodity, including price including tax payment selection to user terminal 3A;
Step 305: user terminal 3A sends user to merchant end 3B and requests the purchase of commodity, and the purchase request is comprising using Family passport information;
Step 307: merchant end 3B execution of order process flow executes payment flow according to purchase request, specifically can be to branch The system of paying sends payment request, and the Transaction Information of commodity is generated according to the payment completion information of payment system feedback;
Step 309: merchant end 3B sends refund guarantee authorization requests to user terminal 3A;
Step 311: user terminal 3A sends refund guarantee authorization message to merchant end 3B;
Step 313: merchant end 3B executes the freeze operation to amount of guarantee.
Execute following refund process:
Step 315: the passport information of the Transaction Information of commodity and user is sent to refund legitimacy and authenticated by merchant end 3B Hold 3C;
Step 317: legitimacy certification end 3C is according to the Transaction Information of commodity and the passport information of user for refund, refunds Legitimacy certification;
Step 319: refund legitimacy authentication information is sent to merchant end 3B by refund legitimacy certification end 3C;
Step 321: merchant end 3B sends the refund request for carrying the Transaction Information of commodity to refund system 3D;
Step 323: refund system 3D executes refund process flow, obtains refund processing result;
Step 325: refund processing result is sent to merchant end 3B by refund system 3D;
Step 327: if refund processing result is to refund successfully, merchant end 3B executes the defrosting to frozen amount of guarantee Operation.If processing result of refunding is refund failure, merchant end 3B executes the operation of withholing to amount of guarantee.
Step 329: refund processing result is sent to user terminal 3A by merchant end 3B.
Fig. 4 is that one of a kind of refund processing method that this specification embodiment proposes applies exemplary timing diagram.
Step 402: user terminal 4A sends user to the purchase request of commodity to merchant end 4B, and purchase request is believed comprising passport Breath and price including tax payment selection;
Step 404: merchant end 4B executes delivery operation according to purchase request;
Step 406: the Transaction Information of the passport information of user and commodity is sent to refund legitimacy and authenticated by merchant end 4B Hold 4C;
Step 408: refund legitimacy authentication information is sent to merchant end 4B by refund legitimacy certification end 4C;
Step 410: merchant end 4B sends refund request to refund system 4D;
In this way, step 412: refund system 4D handles refund request;
Step 414: merchant end 4B receives refund processing result from refund system 4D;
Step 416: if refunding successfully, merchant end 4B executes refund operation;
Step 418: refund processing result is sent to user terminal 4A by merchant end 4B, and realization notifies user.
Fig. 5 is a kind of structural schematic diagram for refund processing unit that this specification embodiment proposes.
As shown in figure 5, refund processing unit may include:
Receiving module 501 receives the user that user terminal is sent and requests the purchase of commodity, and the purchase request includes payment Information;
Sending module 502 is paid, is requested to send the branch to the commodity to payment system according to the purchase received Pay request;
Refund sending module 503, when receiving the payment completion information for payment request feedback, to refund system System sends the refund request for carrying the Transaction Information of the commodity, and the refund request is for requesting the refund system according to institute The Transaction Information for stating commodity carries out refund processing.
Optionally, before receiving the purchase request to commodity that user terminal is sent, the user couple that user terminal is sent is received The access operation of the commodity;
Based on the access operation, Xiang Suoshu user terminal pushes the detail information of the commodity.
Optionally, if it is described purchase request include to the commodity exempt from taxation price payment selection, to refund system Before sending the refund request for carrying the Transaction Information of the commodity, Xiang Suoshu user terminal sends the refund load for carrying amount of guarantee Protect authorization requests;
When receiving refund guarantee authorization message of the user terminal according to refund guarantee authorization requests feedback, execution pair The freeze operation of the amount of guarantee.
Optionally, before sending the refund request for carrying the Transaction Information of the commodity to refund system, according to described The Transaction Information of commodity obtains at least one of the user identifier for initiating the purchase request and commodity refund mark;
According at least one of the user identifier and commodity refund mark, refund legitimacy certification is carried out;
After the refund legitimacy authenticates successfully, the transaction letter for sending to refund system and carrying the commodity is executed The refund of breath is requested.
The refund processing unit recorded using this specification embodiment can realize online shopping and payment in merchant end, It can satisfy growing online shopping and refund demand, there is good user experience.
Based on the same inventive concept, this specification embodiment also provides a kind of electronic equipment, including at least one processor And memory, memory are stored with program, and are configured to execute following steps by least one processor:
The user that user terminal is sent is received to request the purchase of commodity;
It is requested to send the payment request to the commodity to payment system according to the purchase received;
When receiving the payment completion information for payment request feedback, is sent to refund system and carry the quotient The refund of the Transaction Information of product is requested, and the refund request is for requesting the refund system according to the Transaction Information of the commodity Refund processing is carried out, refund processing result is obtained.
Wherein, the other function of processor is no longer gone to live in the household of one's in-laws on getting married one by one here referring also to the content recorded in above-described embodiment It states.
Based on the same inventive concept, this specification embodiment also provides a kind of computer readable storage medium, including with The program that electronic equipment is used in combination, program can be executed by processor to complete following steps:
The user that user terminal is sent is received to request the purchase of commodity;
It is requested to send the payment request to the commodity to payment system according to the purchase received;
When receiving the payment completion information for payment request feedback, is sent to refund system and carry the quotient The refund of the Transaction Information of product is requested, and the refund request is for requesting the refund system according to the Transaction Information of the commodity Refund processing is carried out, refund processing result is obtained.
In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example, Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit. Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device (Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development, And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language (Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL (Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages, The hardware circuit for realizing the logical method process can be readily available.
Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit, ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller Device: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320 are deposited Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc. Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions For either the software module of implementation method can be the structure in hardware component again.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment The combination of equipment.
For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this The function of each unit can be realized in the same or multiple software and or hardware when application.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more, The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method of element, commodity or equipment.
The application can describe in the general context of computer-executable instructions executed by a computer, such as program Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group Part, data structure etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments, by Task is executed by the connected remote processing devices of communication network.In a distributed computing environment, program module can be with In the local and remote computer storage media including storage equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method Part explanation.
The above description is only an example of the present application, is not intended to limit this application.For those skilled in the art For, various changes and changes are possible in this application.All any modifications made within the spirit and principles of the present application are equal Replacement, improvement etc., should be included within the scope of the claims of this application.

Claims (16)

1. a kind of refund processing method is applied to merchant end, comprising:
The user that user terminal is sent is received to request the purchase of commodity;
It is requested to send the payment request to the commodity to payment system according to the purchase received;
When receiving the payment completion information for payment request feedback, is sent to refund system and carry the commodity The refund of Transaction Information is requested, and the refund request is for requesting the refund system to be carried out according to the Transaction Information of the commodity Refund processing obtains refund processing result.
2. refund processing method as described in claim 1, before receiving the purchase request to commodity that user terminal is sent, also Include:
Receive access operation of the user to the commodity of user terminal transmission;
Based on the access operation, Xiang Suoshu user terminal pushes the detail information of the commodity.
3. refund processing method, Xiang Suoshu user terminal push the detail information of the commodity, also wrap as claimed in claim 2 It includes:
Following at least one payment selection to user terminal push to the commodity:
Tax-free price is paid, refund guarantee is provided;
Pay price including tax.
4. refund processing method as described in claim 1, if the payment request includes the branch to the tax-free price of the commodity Selection is paid, then before sending the refund request for carrying the Transaction Information of the commodity to refund system, further includes:
The refund guarantee authorization requests for carrying amount of guarantee are sent to the user terminal;
When receiving refund guarantee authorization message of the user terminal according to refund guarantee authorization requests feedback, execute to described The freeze operation of amount of guarantee.
5. refund processing method as claimed in claim 4 executes the freeze operation to the amount of guarantee, comprising:
The freeze request to the amount of guarantee is sent to the payment system;
When receiving that the payment system sends to the freezing information of the amount of guarantee, execute described to refund system hair Send the refund request for carrying the Transaction Information of the commodity.
6. refund processing method as claimed in claim 4 executes the freeze operation to the amount of guarantee, comprising:
Refund guarantee authorization message is sent to refund system, the refund guarantee authorization message is used for the refund system To payment system request for freezing amount of guarantee.
7. refund processing method as claimed in claim 4, when the refund processing result received is to refund successfully, also Include:
The defrosting to the frozen amount of guarantee is executed to operate.
8. refund processing method as described in claim 1 is sending the Transaction Information for carrying the commodity to refund system Before refund request, further includes:
It is obtained according to the Transaction Information of the commodity in the user identifier for initiating the purchase request and commodity refund mark extremely Few one kind;
According at least one of the user identifier and commodity refund mark, refund legitimacy certification is carried out;
After the refund legitimacy authenticates successfully, the Transaction Information for sending to refund system and carrying the commodity is executed Refund request.
9. refund processing method as claimed in claim 8, according at least one in the user identifier and commodity refund mark Kind, carry out refund legitimacy certification, comprising:
At least one of the user identifier and commodity refund mark are sent to refund legitimacy certification end, request is moved back The certification of tax legitimacy.
10. refund processing method as described in claim 1, further includes:
When receiving the refund processing result from the refund system, the refund processing result is sent to user terminal.
11. a kind of refund processing system, comprising:
User terminal sends user to merchant end and requests the purchase of commodity;
Merchant end requests to send the payment to the commodity to payment system according to the purchase received from the user terminal Request sends to refund system when receiving the payment completion information for payment request feedback and carries the commodity Transaction Information refund request;
Refund system carries out refund processing according to the refund request received from the merchant end, obtains refund processing knot Fruit.
12. a kind of refund processing unit, comprising:
Receiving module receives the user that user terminal is sent and requests the purchase of commodity, and the purchase request includes payment information;
Sending module is paid, is requested to send the payment request to the commodity to payment system according to the purchase received;
Sending module of refunding is sent when receiving the payment completion information for payment request feedback to refund system The refund request of the Transaction Information of the commodity is carried, the refund request is for requesting the refund system according to the commodity Transaction Information carry out refund processing.
13. refund processing unit as claimed in claim 10, before receiving the purchase request to commodity that user terminal is sent, Receive access operation of the user to the commodity of user terminal transmission;
Based on the access operation, Xiang Suoshu user terminal pushes the detail information of the commodity.
14. refund processing unit as claimed in claim 10, if purchase request includes the price that exempts from taxation to the commodity Payment selection, then before sending the refund request for carrying the Transaction Information of the commodity to refund system, Xiang Suoshu user terminal Send the refund guarantee authorization requests for carrying amount of guarantee;
When receiving refund guarantee authorization message of the user terminal according to refund guarantee authorization requests feedback, execute to described The freeze operation of amount of guarantee.
15. refund processing unit as claimed in claim 10 is sending the Transaction Information for carrying the commodity to refund system Refund request before, the user identifier for initiating the purchase request is obtained according to the Transaction Information of the commodity and commodity are refunded At least one of mark;
According at least one of the user identifier and commodity refund mark, refund legitimacy certification is carried out;
After the refund legitimacy authenticates successfully, the Transaction Information for sending to refund system and carrying the commodity is executed Refund request.
16. a kind of electronic equipment, including at least one processor and memory, memory is stored with program, and is configured to Following steps are executed by least one processor:
The user that user terminal is sent is received to request the purchase of commodity;
It is requested to send the payment request to the commodity to payment system according to the purchase received;
When receiving the payment completion information for payment request feedback, is sent to refund system and carry the commodity The refund of Transaction Information is requested, and the refund request is for requesting the refund system to be carried out according to the Transaction Information of the commodity Refund processing obtains refund processing result.
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