CN109840757A - A kind of repayment method and refund management equipment - Google Patents
A kind of repayment method and refund management equipment Download PDFInfo
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- CN109840757A CN109840757A CN201811526114.4A CN201811526114A CN109840757A CN 109840757 A CN109840757 A CN 109840757A CN 201811526114 A CN201811526114 A CN 201811526114A CN 109840757 A CN109840757 A CN 109840757A
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Abstract
The present invention is suitable for field of computer technology, provides a kind of repayment method and refund management equipment, and repayment method includes: to obtain the debt contract that terminal is sent to check request；The unique identity that request includes, acquisition and the associated debt contract of the unique identity are checked based on the debt contract, and return to the debt contract to the terminal；When detecting the refund request that the terminal is sent based on the target debt contract that the user chooses, the contract information based on the target debt contract generates refund order, and returns to the refund order to the terminal；When detecting that the terminal when completing to refund based on the refund order, obtains the payment record that generates based on the refund order.Above scheme, user can select contract of repayment to refund, can guarantee the safety of redrawing funds, reduce refund operating procedure, can be improved refund efficiency by public platform.
Description
Technical field
The invention belongs to field of computer technology more particularly to a kind of repayment method and refund management equipments.
Background technique
Current electronic payment platform refund channel has quick two channels of Alipay, bank card.Due to Alipay channel
Air control factor less stable, therefore, in order to guarantee the safety of redrawing funds, people are mainly or quick by bank card at present
Payment channel is refunded.
However, bank card quick payment needs the information such as typing beneficiary information, repayment amount, and it also requires typing is short
Believe verification code information, refunding, operation is cumbersome, and refund efficiency is lower.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of repayment method and refund management equipments, to solve the prior art
Middle bank card quick payment needs the information such as typing beneficiary information, repayment amount, and it also requires typing short message verification code is believed
Breath refunds and operates cumbersome, the lower problem of refund efficiency.
The first aspect of the embodiment of the present invention provides a kind of repayment method, comprising:
It obtains the debt contract that terminal is sent and checks request；Wherein, it is pre- to check that request is passed through by user for the debt contract
If public platform triggering, the debt contract check request include the user unique identity；
The unique identity that request includes is checked based on the debt contract, is obtained and the unique identity
Associated debt contract, and the debt contract is returned to the terminal；
When detecting the refund request that the terminal is sent based on the target debt contract that the user chooses, it is based on institute
The contract information for stating target debt contract generates refund order, and returns to the refund order to the terminal；Wherein, described to go back
Money order includes contract mark, beneficiary information and the amount owed of the target debt contract；
When detecting the terminal when completing to refund based on the refund order, acquisition is generated based on the refund order
Payment record.
The second aspect of the embodiment of the present invention provides a kind of refund management equipment, comprising:
First acquisition unit, the debt contract for obtaining terminal transmission check request；Wherein, the debt contract is checked
Request is triggered by user by preset public platform, and the debt contract checks that request includes the unique identities mark of the user
Know；
Second acquisition unit is obtained for checking the unique identity that request includes based on the debt contract
With the associated debt contract of the unique identity, and the debt contract is returned to the terminal；
Order generation unit detects what the terminal was sent based on the target debt contract that the user chooses for working as
When refund request, the contract information based on the target debt contract generates refund order, and returns to described go back to the terminal
Money order；Wherein, the refund order includes the contract mark, beneficiary information and debt gold of the target debt contract
Volume；
Payment record acquiring unit, for when detect the terminal based on the refund order complete refund when, obtain
Take the payment record generated based on the refund order.
The third aspect of the embodiment of the present invention provides a kind of refund management equipment: including memory, processor and depositing
The computer program that can be run in the memory and on the processor is stored up, the processor executes the computer journey
It is performed the steps of when sequence
It obtains the debt contract that terminal is sent and checks request；Wherein, it is pre- to check that request is passed through by user for the debt contract
If public platform triggering, the debt contract check request include the user unique identity；
The unique identity that request includes is checked based on the debt contract, is obtained and the unique identity
Associated debt contract, and the debt contract is returned to the terminal；
When detecting the refund request that the terminal is sent based on the target debt contract that the user chooses, it is based on institute
The contract information for stating target debt contract generates refund order, and returns to the refund order to the terminal；Wherein, described to go back
Money order includes contract mark, beneficiary information and the amount owed of the target debt contract；
When detecting the terminal when completing to refund based on the refund order, acquisition is generated based on the refund order
Payment record.
The fourth aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, and the computer program performs the steps of when being executed by processor
It obtains the debt contract that terminal is sent and checks request；Wherein, it is pre- to check that request is passed through by user for the debt contract
If public platform triggering, the debt contract check request include the user unique identity；
The unique identity that request includes is checked based on the debt contract, is obtained and the unique identity
Associated debt contract, and the debt contract is returned to the terminal；
When detecting the refund request that the terminal is sent based on the target debt contract that the user chooses, it is based on institute
The contract information for stating target debt contract generates refund order, and returns to the refund order to the terminal；Wherein, described to go back
Money order includes contract mark, beneficiary information and the amount owed of the target debt contract；
When detecting the terminal when completing to refund based on the refund order, acquisition is generated based on the refund order
Payment record.
Existing beneficial effect is the embodiment of the present invention compared with prior art:
By providing public platform refund entrance for user, user can pass through the interactive interface triggering terminal of preset public platform
Debt contract, which is sent, to refund management equipment checks request；The acquisition of refund management equipment is checked unique in request with debt contract
The corresponding debt contract of identity, user can select target debt to be refunded to close from the debt contract that terminal receives
Request of refunding is sent to refund management equipment with simultaneously triggering terminal, refund management equipment is based on refund request and generates refund order,
And refund order is returned to terminal, user is based on the refund order selection means of payment, input repayment amount, password etc. and props up
It pays, when detecting that terminal when completing to refund based on refund order, obtains the payment record that generates based on the refund order.By
Contract of repayment can be selected to refund by public platform in user, can guarantee the safety of redrawing funds, in the process of refund
In do not need log in input beneficiary information, reduce refund operating procedure, can be improved refund efficiency.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is the implementation process schematic diagram for the repayment method that one embodiment of the invention provides；
Fig. 2 be another embodiment of the present invention provides repayment method implementation process schematic diagram；
Fig. 3 is the schematic diagram for the refund management equipment that one embodiment of the invention provides；
Fig. 4 be another embodiment of the present invention provides refund management equipment schematic diagram.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposed
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
In order to illustrate technical solutions according to the invention, the following is a description of specific embodiments.
Referring to Figure 1, Fig. 1 is the implementation process schematic diagram for the repayment method that one embodiment of the invention provides, the present embodiment
The executing subject of repayment method be refund management equipment, which can be for server, controller etc..As schemed
The repayment method shown can include:
S101: it obtains the debt contract that terminal is sent and checks request；Wherein, the debt contract checks that request is led to by user
Preset public platform triggering is crossed, the debt contract checks that request includes the unique identity of the user.
Before S101, terminal user needs to pay close attention to by the interactive interface of default application mounted in terminal preset
Public platform, and input identity information in the interactive interface of preset public platform and carry out authentication, so that refund management equipment
Matched debt contract can be obtained according to identity information.Wherein, identity information is for searching debt contract.Default application
For the application that can pay close attention to public platform, presetting application includes but is not limited to wechat application.Preset public platform be can be that user mentions
For the public platform of beneficiary in the public platform of refund entrance, such as debt contract.Debt contract refers to does not close fund completely
Executed contract.
The method that identity information carries out authentication is inputted in the interactive interface of preset public platform may include:
User is defeated in the interactive interface for verifying identity of preset public platform after paying close attention to preset public platform
Enter the identity informations such as name, ID card No. to be verified.Identity information can also be including phone number etc..Refund management equipment
When getting the identity information of user's input, being associated between the identity information and the matched contract of the identity information is established
System.User can also be associated with preservation with the identity information of user in the user identifier of default application registration by refund management equipment,
To detect the default application of user's login, and when the interactive interface of the public platform of access preset, the browsing note of user is recorded
Record, and when checking request by the interactive interface of preset public platform triggering debt contract, can obtain and user identifier
The identity information of management, to search and the matched preceding debt contract of the identity information.The browsing record of user is for pipe of refunding
The point of interest of browsing record prediction user of the equipment based on user is managed, and then based on the point of interest of user to user's PUSH message.
Terminal when detecting that terminal user triggers debt contract by the interactive interface of preset public platform and checks request,
Debt contract, which is sent, to refund management equipment checks request.Debt contract checks that request includes the unique identity of user.With
The unique identity at family can be the ID card No. of user, when association is preserved user and answered default in refund management equipment
When with the identity information of the user identifier of registration and user, the unique identity of user can be user in default application registration
User identifier.For example, when default application is wechat in application, user identifier can be the openID of wechat public platform,
OpenID is the unique mark of the ordinary user of public platform.
S102: the unique identity that request includes is checked based on the debt contract, is obtained and unique body
Part identifies associated debt contract, and returns to the debt contract to the terminal.
Refund management equipment checks request according to debt contract when the debt contract for getting terminal transmission checks request
The unique identity for including, lookup and the associated debt contract of the unique identity from database, and owed based on sending
The user identifier that money contract is checked the device identification of the terminal of request or registered based on user in default application, transmission are found
Debt contract, so that terminal user can check debt contract at the terminal.The number of the debt contract found is at least one
It is a.Database can be the database of local collection system, or cloud database, herein with no restrictions.Equipment mark
Knowledge can be mobile device identification code (Mobile Equipment Identifier, MEID).
S103: when detecting the refund request that the terminal is sent based on the target debt contract that the user chooses,
Contract information based on the target debt contract generates refund order, and returns to the refund order to the terminal；Wherein,
The refund order includes contract mark, beneficiary information and the amount owed of the target debt contract.
Terminal user can therefrom select the target for wanting refund when checking the debt contract that refund management equipment returns
Debt contract, and when being confirmed by the interactive interface of preset public platform, information of the terminal based on target debt contract is raw
It is requested at refunding, and sends request of refunding to refund management equipment.Request of refunding includes at least the contract mark of target debt contract
Know, can also include the corresponding amount owed of target debt contract.
Refund management equipment receives the refund request that terminal is sent based on target debt contract, and is based on target debt contract
Contract mark obtain the contract information of target debt contract, contract information based on target debt contract generates target debt and closes
With corresponding refund order；Later, the terminal or base of the refund request identified based on the contract comprising target debt contract that sends
In user in the user identifier of default application registration, the corresponding refund order of target debt contract is returned.Refund order at least wraps
Contract mark, beneficiary information and the amount owed for including target debt contract can also include the production in target debt contract
Product information, debt side's information etc..Debt side's information includes name, ID card No., contact method of debt side etc..Beneficiary letter
Breath may include the name of opening an account etc. of the collecting account of beneficiary, beneficiary.
It is understood that generating the notification message for indicating payment failure when transferring failure (i.e. payment failure).
The reason of notification message may include payment failure, such as network failure, Sorry, your ticket has not enough value, collecting account is wrong etc..
S104: it when detecting the terminal when completing to refund based on the refund order, obtains and is ordered based on the refund
The payment record singly generated.
Terminal shows refund order, user is in refund order when receiving the refund order of refund management equipment return
Display interface in select on-line payment mode and when inputting repayment amount, payment cipher and confirming refund, terminal generates payment
Request, and paid based on payment request.Payment request includes that Send only Account, collecting account, repayment amount and target are owed
The contract of money contract identifies.
Wherein, the method paid based on payment request includes following two:
1), when refund management equipment has allocation of the funds function, the payment request of generation is sent to refund pipe by terminal
Equipment is managed, Send only Account, collecting account and the repayment amount that refund management equipment includes according to the payment request received will
Fund identical with the amount of repayment amount is transferred from Send only Account to collecting account, and payment request is based on when transferring successfully
Including Send only Account, collecting account, repayment amount and target debt contract contract mark generate payment record；Or it is logical
Know that the corresponding fund server of Send only Account transfers fund identical with the amount of repayment amount to gathering account from Send only Account
Family, the corresponding fund server of Send only Account can generate payment record when transferring successfully based on payment request, and will payment
Record returns to refund management equipment.
2), when refund management equipment does not have allocation of the funds function, the payment request of generation is sent to default by terminal
Using (such as wechat application) corresponding server, so as to the corresponding server of application is preset when receiving payment request, base
Send only Account in payment request determines the corresponding fund server of Send only Account, and payment request is transmitted to Send only Account
Corresponding fund server, with the corresponding fund server of advice and pay account by fund identical with the amount of repayment amount from
Send only Account is transferred to collecting account, and the corresponding fund server of Send only Account can be raw based on payment request when transferring successfully
At payment record, and the corresponding payment record of payment request is returned to default using corresponding server, management of refunding at this time
Equipment can obtain the corresponding payment record of payment request from the corresponding server of default application；
Alternatively, the payment request of generation is sent to the corresponding server of Third-party payment channel by terminal, so that third party
The corresponding server of channel of disbursement determines Send only Account pair when receiving payment request, based on the Send only Account in payment request
The fund server answered, and payment request is transmitted to the corresponding fund server of Send only Account, it is corresponding with advice and pay account
Fund server fund identical with the amount of repayment amount is transferred from Send only Account to collecting account, Send only Account is corresponding
Fund server can generate the corresponding payment record of payment request based on payment request when transferring successfully, and payment is asked
Corresponding payment record is asked to return to the corresponding server of Third-party payment channel.At this point, refund management equipment can be from third
The corresponding payment record of payment request is obtained in the corresponding server of square channel of disbursement.
Optionally, S104 may include S1041~S1042, specific as follows:
S1041: when detecting the terminal in the payment request returned based on the refund order, Xiang Suoshu terminal is returned
It returns the interface message of public platform payment interface and calls the authorization character string of payment application；Wherein, the payment request is by institute
Terminal is stated to trigger after detecting user's selection target on-line payment mode and input payment amount；The public platform payment connects
The interface message of mouth and the authorization character string for calling payment application are carried out for the payment application of terminal calling
On-line payment, the payment application are corresponding with the target means of payment.
Terminal shows refund order, user is in refund order when receiving the refund order of refund management equipment return
Display interface in selection target on-line payment mode and when inputting repayment amount, payment cipher and confirming refund, terminal generates
Payment request, and the payment interface of invocation target on-line payment mode sends payment request to refund management server.Payment is asked
The contract including Send only Account, collecting account, repayment amount and target debt contract is asked to identify.Collecting account and target debt
Contract association can take the corresponding collecting account of target debt contract out of when based on refund order triggering payment request.For example, working as
When the target on-line payment mode that user selects pays for wechat, terminal calls wechat payment interface to send out to refund management server
Send payment request.
Refund management server obtains the interface letter of public platform payment interface when receiving the payment request of terminal return
Breath and the authorization character string for obtaining calling payment application, and the public is returned to terminal by the payment interface of on-line payment mode
The interface message of number payment interface and the authorization character string for calling payment application.The interface message of public platform payment interface and
The authorization character string for calling payment application calls payment application to carry out on-line payment for terminal.For example, when user selects
Target on-line payment mode when being that wechat is paid, payment application is wechat application, and the payment interface of on-line payment mode is micro-
Believe payment interface.The interface message of public platform payment interface and the character string for calling wechat to apply are answered for terminal calling wechat
With carrying out wechat payment.
It is understood that refund management equipment is detecting end when refund management equipment has allocation of the funds function
End group has adjusted payment applications trigger branch in the interface message of public platform payment interface and the authorization character string of calling payment application
When paying process, refund management equipment is based on payment request and is paid, and is seen based on the method that payment request is paid
Associated description in S104, does not repeat herein.Wherein, terminal shows payment interface (when payment is applied when having adjusted payment to apply
For wechat in application, display wechat payment interface), terminal detect user set out confirmation payment instruction when, triggering payment
Process.
Further, it when refund management equipment does not have allocation of the funds function, needs corresponding from Third-party payment channel
The interface message of public platform payment interface is obtained in server and calls the authorization character string of payment application, so that terminal is based on
When payment request carries out on-line payment, S1041 is specifically included: when detecting that the terminal returned based on the refund order
When payment request, the payment interface of Third-party payment channel is called, obtains the interface message and calling of public platform payment interface
The authorization character string of application is paid, and returns to the interface message of the public platform payment interface to the terminal and calls payment
The authorization character string of application.
Refund management server calls the payment of Third-party payment channel to connect when receiving the payment request of terminal return
Mouthful, the interface message of public platform payment interface is obtained from the corresponding server of Third-party payment channel, and obtain third party's branch
The authorization character string for the calling payment application that the corresponding server of channel is terminal distribution is paid, and passes through the branch of on-line payment mode
Interface is paid to return to the interface message of public platform payment interface to terminal and call the authorization character string of payment application.
S1042: when detecting the terminal in interface message and the calling based on the public platform payment interface
When the authorization character string of payment application calls the payment application to complete to refund, obtains the payment and apply corresponding server base
In the payment record that the payment request generates.
Terminal is in the public platform for receiving refund associate device and being returned by the payment interface of on-line payment mode to terminal
When the interface message of payment interface and the authorization character string for calling payment to apply, the interface message based on public platform payment interface
And call the authorization character string of payment application, adjusted the corresponding default application of the target means of payment, and according to payment request into
The corresponding payment result of target debt contract is pushed to Third-party payment channel pair by row payment, the corresponding server of default application
Payment result is returned to refund management equipment by the server answered, the corresponding server of Third-party payment channel.Work as payment result
When mark is paid successfully, presets the corresponding server of application and be based on the corresponding payment note of payment request generation target debt contract
Record, to the corresponding server push payment record of Third-party payment channel, refund management equipment is available to close to target debt
With corresponding payment record.
Above scheme, by providing public platform refund entrance for user, user can pass through interaction circle of preset public platform
Face triggering terminal sends debt contract to refund management equipment and checks request；The acquisition of refund management equipment is checked with debt contract asks
The corresponding debt contract of unique identity in asking, user can select to be refunded from the debt contract that terminal receives
Target debt contract and triggering terminal, which send to refund to refund management equipment, requests, and refund management equipment is generated based on request of refunding
Refund order, and refund order is returned to terminal, user is based on the refund order selection means of payment, input repayment amount, password
Etc. being paid, when detecting that terminal when completing to refund based on refund order, obtains the branch generated based on the refund order
Pay record.Since user can select contract of repayment to refund by public platform, it can guarantee the safety of redrawing funds, also
It does not need to log in input beneficiary information during money, reduces refund operating procedure, can be improved refund efficiency.
Refer to Fig. 2, Fig. 2 be another embodiment of the present invention provides repayment method implementation process schematic diagram, this implementation
The difference of example and a upper embodiment is, further includes S205 after S204 in the repayment method of this implementation.In the present embodiment
S201~S204 is identical as S101~S104 in a upper embodiment, referring specifically to the phase of S101~S104 in a upper embodiment
Description is closed, is not repeated herein.S205 is specific as follows:
S205: the debt data of the target debt contract are updated according to the payment record.
Payment record includes the contract mark of payment amount and target debt contract.Refund management server can be based on
The contract of target debt contract in payment record identifies, and target debt contract is searched from database；It is owed finding target
When money contract, based on the amount owed in the payment amount for including in payment record more fresh target debt contract.
Further, S205 may include S2051: when the Payment Amount in the payment record is greater than or equal to described owe
When the money amount of money, using the absolute value of the difference between the Payment Amount and the amount owed as the advance payment of user gold
The debt data of volume, the target debt contract are set as zero.
Refund management server is detecting the Payment Amount in payment record more than or equal in target debt contract
When amount owed, determines that user has currently paid off the debt of target debt contract, the debt data of target debt contract are arranged
It is zero, and calculates the absolute value of the difference between Payment Amount and amount owed, by amount equal with the absolute value of the difference
Unique identity corresponding amount of advance payment of the amount of money as the user.When the absolute value of the difference is greater than zero, the user
The corresponding amount of advance payment of unique identity be greater than zero；When the absolute value of the difference is equal to zero, determine that the user is lucky
It pays off one's debt, not extra money surplus, amount of advance payment is zero at this time.
Further, S205 can also include S2052: when the Payment Amount in the payment record is less than the debt gold
When volume, the absolute value based on the difference between the Payment Amount and the amount owed updates owing for the target debt contract
Amount of money evidence.
When the Payment Amount in the payment record is less than the amount owed, calculate Payment Amount and amount owed it
Between difference absolute value, using the absolute value of the difference as the amount owed of target debt contract.
S2051 and S2052 is step arranged side by side, selects an execution.
Optionally, can also include S206 after S203: when detect the terminal based on the refund order refund
When failure, the reason of corresponding refund of the target debt contract fails is obtained.
It is raw since refund management equipment or the corresponding fund server of Send only Account are when transferring failure (i.e. payment failure)
At for indicating the notification message of payment failure.The reason of notification message may include payment failure, for example, it is network failure, remaining
Volume is insufficient, collecting account is wrong etc..Therefore, when the notification message for indicating payment failure is generated by refund management equipment,
Refund management equipment, can be from for indicating the logical of payment failure when detecting that terminal is based on refund order refund failure
Know and obtains the reason of corresponding refund of target debt contract fails in message；When the notification message for indicating payment failure is by paying
When the corresponding fund server of money account generates, refund management equipment can be from the corresponding server of default application or third party's branch
The notification message for obtaining in the corresponding server of channel and indicating payment failure is paid, and from for indicating the notification message of payment failure
It is middle to obtain the reason of corresponding refund of the target debt contract fails.
It is understood that the debt contract in order to inform operation maintenance personnel maintenance refund failure in time, after S206, also
It may include: to send alarm email or refund exception mail to preset email address based on refunding the reason of failing, so as to phase
Pass personnel verify problem and solve.
Above scheme, by providing public platform refund entrance for user, user can pass through interaction circle of preset public platform
Face triggering terminal sends debt contract to refund management equipment and checks request；The acquisition of refund management equipment is checked with debt contract asks
The corresponding debt contract of unique identity in asking, user can select to be refunded from the debt contract that terminal receives
Target debt contract and triggering terminal, which send to refund to refund management equipment, requests, and refund management equipment is generated based on request of refunding
Refund order, and refund order is returned to terminal, user is based on the refund order selection means of payment, input repayment amount, password
Etc. being paid, when detecting that terminal when completing to refund based on refund order, obtains the branch generated based on the refund order
Pay record.Since user can select contract of repayment to refund by public platform, it can guarantee the safety of redrawing funds, also
It does not need to log in input beneficiary information during money, reduces refund operating procedure, can be improved refund efficiency.
Refund management equipment can timely update the debt data of target debt contract according to payment record, guarantee the standard of data
True property.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
Referring to Fig. 3, Fig. 3 is a kind of refund management equipment provided in an embodiment of the present invention, refund management equipment includes
Each unit is used to execute each step in the corresponding embodiment of Fig. 1 or Fig. 2.Referring specifically to the corresponding reality of Fig. 1 and Fig. 2
Apply the associated description in example.For ease of description, only the parts related to this embodiment are shown.Referring to Fig. 3, management of refunding is set
Standby 3 include:
First acquisition unit 310, the debt contract for obtaining terminal transmission check request；Wherein, the debt contract
Check that request is triggered by user by preset public platform, the debt contract checks that request includes the unique identities of the user
Mark；
Second acquisition unit 320 is obtained for checking the unique identity that request includes based on the debt contract
Take with the associated debt contract of the unique identity, and return to the debt contract to the terminal；
Order generation unit 330, for when the target debt contract hair for detecting that the terminal is chosen based on the user
When the refund request sent, the contract information based on the target debt contract generates refund order, and returns to institute to the terminal
State refund order；Wherein, the refund order includes contract mark, beneficiary information and the debt of the target debt contract
The amount of money；
Payment record acquiring unit 340, for when detect the terminal based on the refund order complete refund when,
Obtain the payment record generated based on the refund order.
Optionally, refund management equipment 3 can also include:
Updating unit, for updating the debt data of the target debt contract according to the payment record.
Further, updating unit is specifically used for: when the Payment Amount in the payment record is greater than or equal to described owe
When the money amount of money, using the absolute value of the difference between the Payment Amount and the amount owed as the advance payment of user gold
The debt data of volume, the target debt contract are set as zero.
Further, updating unit is specifically used for: when the Payment Amount in the payment record is less than the amount owed
When, the absolute value based on the difference between the Payment Amount and the amount owed updates the debt of the target debt contract
Data.
Further, payment record acquiring unit 340 includes:
Information feedback unit, for when detect the terminal in the payment request returned based on the refund order,
The interface message of public platform payment interface is returned to the terminal and calls the authorization character string of payment application；Wherein, described
Payment request is triggered after detecting user's selection target on-line payment mode and input payment amount by the terminal；It is described
The interface message of public platform payment interface and the authorization character string for calling payment application are for described in terminal calling
Payment application carries out on-line payment, and the payment application is corresponding with the target means of payment；
Acquiring unit, for when detect the terminal based on the public platform payment interface interface message and institute
When stating the authorization character string calling payment for calling payment to apply using completing to refund, the acquisition payment is using corresponding clothes
The payment record that business device is generated based on the payment request.
Further, information feedback unit is specifically used for: when detect the terminal based on the refund order return
Payment request when, call Third-party payment channel payment interface, obtain public platform payment interface interface message and tune
The authorization character string applied with payment, and return to the interface message of the public platform payment interface to the terminal and call branch
Pay the authorization character string of application.
Optionally, refund management equipment 3 can also include:
Third acquiring unit, for when detect the terminal be based on the refund order refund failure when, described in acquisition
The reason of corresponding refund of target debt contract fails.
Fig. 4 is the schematic diagram of refund management equipment provided in an embodiment of the present invention.As shown in figure 4, the refund of the embodiment
Management equipment 4 includes: processor 40, memory 41 and is stored in the memory 41 and can transport on the processor 40
Capable computer program 42, such as refund program.The processor 40 is realized above-mentioned each when executing the computer program 42
Step in repayment method embodiment, such as step 101 shown in FIG. 1 is to 104.Alternatively, the processor 40 executes the meter
The function of each unit in above-mentioned each Installation practice, such as the function of module 310 to 340 shown in Fig. 3 are realized when calculation machine program 42.
Illustratively, the computer program 42 can be divided into one or more module/units, it is one or
Multiple units are stored in the memory 41, and are executed by the processor 40, to complete the present invention.It is one or more
A module/unit can be the series of computation machine program instruction section that can complete specific function, and the instruction segment is for describing institute
State implementation procedure of the computer program 42 in the refund management equipment 4.For example, the computer program 42 can be divided
At first acquisition unit, second acquisition unit, order generation unit and payment record acquiring unit, each unit concrete function is such as
It is upper described.
The refund management equipment 4 may include, but be not limited only to, processor 40, memory 41.Those skilled in the art can
To understand, Fig. 4 is only the example of refund management equipment 4, does not constitute the restriction to refund management equipment 4, may include than figure
Show more or fewer components, perhaps combine certain components or different components, such as refund management equipment 4 can also wrap
Include input-output equipment, network access equipment, bus etc..
Alleged processor 40 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 41 can be the internal storage unit of the refund management equipment 4, such as refund management equipment 4
Hard disk or memory.The memory 41 is also possible to the external storage refund management equipment of the refund management equipment 4, such as also
The plug-in type hard disk being equipped in money management equipment 4, intelligent memory card (Smart Media Card, SMC), secure digital
(Secure Digital, SD) card, flash card (Flash Card) etc..Further, the memory 41 can also both include
The internal storage unit of refund management equipment 4 also includes external storage refund management equipment.The memory 41 is for storing institute
Other programs and data needed for stating computer program and the refund management equipment 4.The memory 41 can be also used for
Temporarily store the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit, can also
To be that each unit physically exists alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list
Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Above system
The specific work process of middle unit, module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed refund management equipment and method, Ke Yitong
Other modes are crossed to realize.For example, refund management equipment embodiment described above is only schematical, for example, described
The division of module or unit, only a kind of logical function partition, there may be another division manner in actual implementation, such as more
A unit or assembly can be combined or can be integrated into another system, or some features can be ignored or not executed.It is another
Point, shown or discussed mutual coupling or direct-coupling or communication connection can be through some interfaces, device or
The INDIRECT COUPLING or communication connection of unit can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale or
In use, can store in a computer readable storage medium.Based on this understanding, the present invention realizes above-mentioned implementation
All or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer program
Calculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that on
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium
It may include: any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic that can carry the computer program code
Dish, CD, computer storage, read-only memory (Read-Only Memory, ROM), random access memory (Random
Access Memory, RAM), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the meter
The content that calculation machine readable medium includes can carry out increase and decrease appropriate according to the requirement made laws in jurisdiction with patent practice,
It such as does not include electric carrier signal and telecommunications according to legislation and patent practice, computer-readable medium in certain jurisdictions
Signal.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of repayment method characterized by comprising
It obtains the debt contract that terminal is sent and checks request；Wherein, it is preset to check that request is passed through by user for the debt contract
Public platform triggering, the debt contract check that request includes the unique identity of the user；
The unique identity that request includes is checked based on the debt contract, and acquisition is associated with the unique identity
Debt contract, and return to the debt contract to the terminal；
When detecting the refund request that the terminal is sent based on the target debt contract that the user chooses, it is based on the mesh
The contract information for marking debt contract generates refund order, and returns to the refund order to the terminal；Wherein, the refund is ordered
Single includes contract mark, beneficiary information and the amount owed of the target debt contract；
When detecting that the terminal when completing to refund based on the refund order, obtains the branch that generates based on the refund order
Pay record.
2. repayment method as described in claim 1, which is characterized in that the payment record includes that payment amount and target are owed
The contract of money contract identifies；It is described when detect the terminal based on the refund order complete refund when, obtain be based on institute
After the payment record for stating the generation of refund order, further includes:
The debt data of the target debt contract are updated according to the payment record.
3. repayment method as claimed in claim 2, which is characterized in that described to be owed according to the payment record update target
The debt data of money contract include:
When the Payment Amount in the payment record is greater than or equal to the amount owed, the Payment Amount is owed with described
The debt data of amount of advance payment of the absolute value of difference between the money amount of money as the user, the target debt contract are set
It is set to zero.
4. repayment method as claimed in claim 2, which is characterized in that described to be owed according to the payment record update target
The debt data of money contract further include:
When the Payment Amount in the payment record is less than the amount owed, based on the Payment Amount and debt gold
The absolute value of difference between volume updates the debt data of the target debt contract.
5. such as the described in any item repayment methods of Claims 1-4, which is characterized in that described the terminal to be detected in base
When the refund order is completed to refund, obtaining the payment record generated based on the refund order includes:
When detecting the terminal in the payment request returned based on the refund order, Xiang Suoshu terminal returns to public platform branch
It pays the interface message of interface and calls the authorization character string of payment application；Wherein, the payment request is being examined by the terminal
It is triggered after measuring user's selection target on-line payment mode and input payment amount；The interface of the public platform payment interface is believed
Breath and the authorization character string for calling payment application are used for the terminal and the payment application are called to carry out on-line payment, institute
It is corresponding with the target means of payment to state payment application；
When detect the terminal based on the public platform payment interface interface message and it is described call payment application
When authorizing character string that the payment application is called to complete to refund, obtains the corresponding server of the payment application and be based on the payment
Request the payment record generated.
6. repayment method as claimed in claim 5, which is characterized in that described that the terminal ought be detected based on the refund
When the payment request that order returns, Xiang Suoshu terminal returns to the interface message of public platform payment interface and calls payment application
Authorize character string, comprising:
When detect the terminal in the payment request returned based on the refund order, call Third-party payment channel branch
Interface is paid, the interface message of public platform payment interface is obtained and calls the authorization character string of payment application, and to the terminal
It returns to the interface message of the public platform payment interface and calls the authorization character string of payment application.
7. repayment method as described in claim 1, which is characterized in that described to detect that the terminal is selected based on the user
In target debt contract send refund request when, contract information based on the target debt contract generates refund order,
And after to the terminal returning to the refund order, further includes:
When detecting that the terminal is based on refund order refund failure, the corresponding refund of the target debt contract is obtained
The reason of failure.
8. a kind of refund management equipment characterized by comprising
First acquisition unit, the debt contract for obtaining terminal transmission check request；Wherein, the debt contract checks request
It is triggered by user by preset public platform, the debt contract checks that request includes the unique identity of the user；
Second acquisition unit obtains and institute for checking the unique identity that request includes based on the debt contract
The associated debt contract of unique identity is stated, and returns to the debt contract to the terminal；
Order generation unit, for when the refund for detecting that the terminal is sent based on the target debt contract that the user chooses
When request, the contract information based on the target debt contract generates refund order, and returns to the refund to the terminal and order
It is single；Wherein, the refund order includes contract mark, beneficiary information and the amount owed of the target debt contract；
Payment record acquiring unit, for when detect the terminal based on the refund order complete refund when, obtain base
In the payment record that the refund order generates.
9. a kind of refund management equipment, the refund management equipment includes memory, processor and is stored in the memory
In and the computer program that can run on the processor, which is characterized in that the processor executes the computer program
The step of any one of Shi Shixian such as claim 1 to 7 the method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In when the computer program is executed by processor the step of any one of such as claim 1 to 7 of realization the method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811526114.4A CN109840757A (en) | 2018-12-13 | 2018-12-13 | A kind of repayment method and refund management equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811526114.4A CN109840757A (en) | 2018-12-13 | 2018-12-13 | A kind of repayment method and refund management equipment |
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| Publication Number | Publication Date |
|---|---|
| CN109840757A true CN109840757A (en) | 2019-06-04 |
Family
ID=66883229
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|---|---|---|---|
| CN201811526114.4A Pending CN109840757A (en) | 2018-12-13 | 2018-12-13 | A kind of repayment method and refund management equipment |
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