CN110020839A - Method for processing business, apparatus and system - Google Patents
Method for processing business, apparatus and system Download PDFInfo
- Publication number
- CN110020839A CN110020839A CN201811474832.1A CN201811474832A CN110020839A CN 110020839 A CN110020839 A CN 110020839A CN 201811474832 A CN201811474832 A CN 201811474832A CN 110020839 A CN110020839 A CN 110020839A
- Authority
- CN
- China
- Prior art keywords
- user
- account
- fund
- payment platform
- credit score
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 23
- 238000012545 processing Methods 0.000 title claims abstract description 17
- 238000012546 transfer Methods 0.000 claims description 51
- 238000011084 recovery Methods 0.000 claims description 28
- 230000004044 response Effects 0.000 claims description 20
- 238000003860 storage Methods 0.000 claims description 9
- 230000007246 mechanism Effects 0.000 description 13
- 238000010586 diagram Methods 0.000 description 8
- 230000006870 function Effects 0.000 description 6
- 238000005516 engineering process Methods 0.000 description 4
- 238000012795 verification Methods 0.000 description 4
- 230000006399 behavior Effects 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- 230000000694 effects Effects 0.000 description 2
- 239000000835 fiber Substances 0.000 description 2
- 230000002411 adverse Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 238000011217 control strategy Methods 0.000 description 1
- 230000001419 dependent effect Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
- 229910052737 gold Inorganic materials 0.000 description 1
- 230000014759 maintenance of location Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 238000007789 sealing Methods 0.000 description 1
- 230000001052 transient effect Effects 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
Abstract
The present invention provides a kind of method for processing business, comprising: the fund that reception carrys out user terminal pays for request first, wherein the fund pays for the Third-party payment platform account that request includes the user of the user terminal first；The Third-party payment platform account in request is paid for first according to the fund to obtain the credit score of the user；The credit score of the user is compared with threshold value；And if the credit score of the user is greater than the threshold value, the account for the user pays for fund first.
Description
Technical field
The invention mainly relates to Internet technical field more particularly to method for processing business, apparatus and system.
Background technique
With flourishing for internet, the on-line payment business of some Third-party payment platforms allows users to access
Multiple cooperative institutions (for example, bank, type of financial mechanism, fund mechanism, insurance company etc.), provide a variety of services for user,
It is brought great convenience for people's lives.
A kind of more typical business of Third-party payment platform is fund outflow business, that is, fund is put down from Third-party payment
The account that platform is transferred accounts to the user in cooperative institution, for example, transferring accounts to card, credit card repayment, extracting cash, payment etc. of living
Deng.But in fund outflow business, it sometimes appear that transfer request falls list.That is, after the completion of fund outflow business, due to network
Failure and other reasons, Third-party payment platform do not receive at the appointed time from cooperative institution about success or failure of transferring accounts
Response, and by the means such as " business result queries " to inquire bank's still time-out unknown without response or result for payment platform, from
And Third-party payment platform does not know whether cooperative institution is successfully received and transfers accounts.
At present after outflow business falls list, it is bright to reconciliation file of providing funds that Third-party payment platform generally relies on cooperative institution
True final stateful transaction, timeliness is after N day (N >=1) of transaction.When user occur be badly in need of spend money the case where (for example, repay,
Credit card, hospital surgical are spent money), it can do nothing to help user and solve the problems, such as.
Summary of the invention
In order to solve the above technical problems, the present invention provides a kind of method for processing business, comprising:
The fund that reception carrys out user terminal pays for request first, wherein it includes the user terminal that the fund, which pays for request first,
The Third-party payment platform account of user；
The Third-party payment platform account in request is paid for first according to the fund to obtain the credit score of the user
Value；
The credit score of the user is compared with threshold value；And
If the credit score of the user is greater than the threshold value, the account for the user pays for fund first.
Optionally, this method further comprises, in response to the outflow service request from the user terminal from institute
User account of the account into cooperative institution that produce for stating user is transferred accounts,
Wherein the fund pay for first request be the user terminal in response to do not receive from the cooperative institution about
The feedback transferred accounts and send.
Optionally, the fund is paid for first including producing account reimbursement or user's account into the cooperative institution to described
Continue to transfer accounts in family.
Optionally, this method further comprises:
Receive the statement from the cooperative institution, the statement include the Third-party payment platform account of user with
And produce whether successfully transferring accounts for user account of the account into the cooperative institution indicate from the user；
Determine whether described transfer accounts succeeds according to the mark in the statement；And
If it is described transfer accounts successfully and perform it is described pay for fund first, issue recovery notice to the user terminal.
Optionally, this method further comprises:
Whether successfully the credit score of the user account is adjusted according to recovery.
Optionally, this method further comprises:
If recovered successfully, increase the credit score of the user account；And
If recovery is unsuccessful, reduce the credit score of the user account.
Optionally, the credit score of the user account for obtaining the user terminal includes:
The credit score of the user is obtained from credit server according to the Third-party payment platform account of the user；Or
Person
The credit letter of the user is obtained from the credit server according to the Third-party payment platform account of the user
It ceases, and calculates the credit score of the user according to the credit information.
Another aspect provides a kind of service processing equipments, comprising:
Carry out the fund of user terminal for receiving and pay for the device of request first, wherein it includes described that the fund, which pays for request first,
The Third-party payment platform account of the user of user terminal；
The letter of the user is obtained for paying for the Third-party payment platform account in request first according to the fund
With the device of score value；
Device for the credit score of the user to be compared with threshold value；And
If the credit score for the user is greater than the threshold value, the dress of fund is paid for first for the account of the user
It sets.
Optionally, which further comprises, in response to the outflow service request from the user terminal and
From the device for producing user account of the account into cooperative institution and transferring accounts of the user,
Wherein the fund pay for first request be the user terminal in response to do not receive from the cooperative institution about
The feedback transferred accounts and send.
Optionally, the fund is paid for first including producing account reimbursement or user's account into the cooperative institution to described
Continue to transfer accounts in family.
Optionally, which further comprises:
For receiving the device of the statement from the cooperative institution, the statement includes the Third-party payment of user
Platform account and from the user produce user account of the account into the cooperative institution transfer accounts whether successfully mark
Will；
For determined according to the mark in the statement it is described transfer accounts whether successful device；And
If for it is described transfer accounts successfully and perform it is described pay for fund first, it is logical to issue recovery to the user terminal
The device known.
Optionally, which further comprises:
For according to recovery whether successfully come adjust the user account credit score device.
Optionally, which further comprises:
If increasing the device of the credit score of the user account for recovering successfully；And
If unsuccessful for recovery, reduce the device of the credit score of the user account.
Optionally, the device for obtaining the credit score of the user account of the user terminal includes:
The credit score of the user is obtained from credit server for the Third-party payment platform account according to the user
The device of value；Or
The letter of the user is obtained from the credit server for the Third-party payment platform account according to the user
With information, and calculate according to the credit information device of the credit score of the user.
It is yet another aspect of the present invention to provide a kind of business processing devices, comprising:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed
It manages device and executes following operation:
The fund that reception carrys out user terminal pays for request first, wherein it includes the user terminal that the fund, which pays for request first,
The Third-party payment platform account of user；
The Third-party payment platform account in request is paid for first according to the fund to obtain the credit score of the user
Value；
The credit score of the user is compared with threshold value；And
If the credit score of the user is greater than the threshold value, the account for the user pays for fund first.
Optionally, the executable instruction further makes the processor execute following operation: in response to from described
The outflow service request of user terminal and transfer accounts from user account of the account into cooperative institution that produce of the user,
Wherein the fund pay for first request be the user terminal in response to do not receive from the cooperative institution about
The feedback transferred accounts and send.
Optionally, the fund is paid for first including producing account reimbursement or user's account into the cooperative institution to described
Continue to transfer accounts in family.
Optionally, the executable instruction further makes the processor execute following operation:
Receive the statement from the cooperative institution, the statement include the Third-party payment platform account of user with
And produce whether successfully transferring accounts for user account of the account into the cooperative institution indicate from the user；
Determine whether described transfer accounts succeeds according to the mark in the statement；And
If it is described transfer accounts successfully and perform it is described pay for fund first, issue recovery notice to the user terminal.
Optionally, the executable instruction further makes the processor execute following operation:
Whether successfully the credit score of the user account is adjusted according to recovery.
Optionally, the executable instruction further makes the processor execute following operation:
If recovered successfully, increase the credit score of the user account；And
If recovery is unsuccessful, reduce the credit score of the user account.
Optionally, the credit score of the user account for obtaining the user terminal includes:
The credit score of the user is obtained from credit server according to the Third-party payment platform account of the user；Or
Person
The credit letter of the user is obtained from the credit server according to the Third-party payment platform account of the user
It ceases, and calculates the credit score of the user according to the credit information.
Compared with prior art, the invention has the following advantages that
It, can after having used technical solution of the present invention, satisfactory user (credit judgement passes through) generation business to fall list
Enjoy reimbursement in advance, and independent of mechanism fund reconciliation as a result, fund to account time from a few days shorten to minute grade, solve
The puzzlement of user's much-needed money.Different reimbursement control strategies is used to the user account of different credit score levels, it can
Enough simplify the reimbursement process of the higher user account of credit score, and can be to the flow of payments of the lower user account of credit score
The safety of journey is controlled.
Detailed description of the invention
Fig. 1 illustrates the architecture diagram of transaction processing system according to the present invention.
Fig. 2 is the diagram of fund outflow business in the prior art.
Fig. 3 is the flow chart for explaining the method for processing business of various aspects according to the present invention.
Fig. 4 is the flow chart for the business procession of various aspects according to the present invention executed by Third-party payment platform.
Fig. 5 shows the block diagram of the device of various aspects according to the present invention.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent device and method in some ten thousand faces being described in detail in attached claims, this specification.
It is only to be not intended to be limiting this explanation merely for for the purpose of describing particular embodiments in the term that this specification uses
Book.The "an" of used singular, " described " and "the" are also intended to packet in this specification and in the appended claims
Most forms are included, unless the context clearly indicates other meaning.It is also understood that term "and/or" used herein is
Refer to and includes that one or more associated any or all of project listed may combine.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other out.For example, not taking off
In the case where this specification range, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determination ".
In order to make those skilled in the art more fully understand the technical solution in this specification, below in conjunction with this specification
Attached drawing in embodiment is described in detail the technical solution in this specification embodiment, it is clear that described embodiment
Only this specification a part of the embodiment, instead of all the embodiments.The embodiment of base in this manual, this field are general
Logical technical staff's every other embodiment obtained, all should belong to the range of this specification protection.
Fig. 1 illustrates the architecture diagram of transaction processing system 100 according to the present invention.The transaction processing system 100 may include
User terminal 101, Third-party payment platform 102, cooperative institution 103.Optionally, transaction processing system 100 is also optionally
Including user in the credit score for the bank 104 and/or the storage user for wherein having account and/or the credit clothes of credit information
Business device 105.
As shown in Figure 1, user terminal 101 can be the electronic equipments such as computer or mobile phone, Third-party payment is installed thereon
The application of platform.User terminal 101 can access various cooperative institutions 103 by Third-party payment platform 102.
Third-party payment platform 102 can be the server of such as Alipay or the server of several servers composition
Cluster or cloud computing center.The fund transfer of user account may be implemented in Third-party payment platform 102.User can be in third party
In payment platform 102 have fund account, Third-party payment platform 102 fund of the user in platform account can be transferred accounts to
Other mechanisms.Alternatively, Third-party payment platform 102 can also be used as halfpace for the bank account from the user that produces
Fund is transferred accounts to other mechanisms.
Third-party payment platform 102 can have the credit score of user.Alternatively, Third-party payment platform 102 can have
The record related with behavior of credit that the credit information of user, such as user generate in social activities, may include financial letter
With at least one of record, shopping record, payment record, equipment behavior record, network behavior record.Third-party payment platform
102 can according to the user's credit information calculate user credit score.The credit score and/or credit information of user and user's
Third-party payment platform account is stored in association.
Optionally, system 100 may include credit server 105, and Third-party payment platform 102 can be from credit server
105 obtain the credit score of user, or the credit information of user is obtained from the credit server 105, then according to
Credit information calculates the credit score.
Cooperative institution 103 can be the mechanism for having electronic account operating right, and such as bank, fund, insurance, life are paid
Take mechanism etc..
Bank 104 is the bank that user has account in it.Fund can be passed through the from the account of bank 104 by user
Tripartite's payment platform 102 is transferred accounts to the account of cooperative institution 103.
In order to distinguish with the cooperative institution 103 that can be bank, it is known as bank 104 to produce bank herein, that is, can
It transfers accounts from it to the bank of other mechanisms (for example, cooperative institution).
User can be from its account transfer in Third-party payment platform 102 or bank 104 to cooperative institution 103.At this
Wen Zhong, the account being transferred out (no matter in Third-party payment platform 102 or bank 104), which is referred to as, produces account.
Fig. 2 is the message flow diagram of fund outflow business in the prior art.
As shown in Fig. 2, terminal issues fund to Third-party payment platform and flows out service request 201.
Fund outflow service request can request Third-party payment platform to be transferred accounts to cooperative institution.This, which is transferred accounts, can be third
User account transferring accounts to cooperative institution in square payment platform, the user account for being also possible to produce bank pass through third party's branch
Pay platform transferring accounts to cooperative institution.
202, Third-party payment platform flows out service request in response to fund and transfers accounts to cooperative institution.
Third-party payment platform flows out the instruction in service request from user account therein to cooperative institution according to fund
Transfer accounts, or the fund for producing the user account of bank is transferred accounts to cooperative institution.
But sometimes due to client's number of requests is more or network jitter, Third-party payment platform are transferred accounts to cooperative institution
It may failure.202 transfer accounts can not necessarily successfully complete, therefore be represented by dotted lines here.
203, cooperative institution sends transaction results feedback to Third-party payment platform, indicates that 202 transfer accounts and whether succeed.
Sometimes 203, due to network jitter or the system failure of cooperative institution, Third-party payment platform is in the predetermined time
Inside it is not received by the transaction results feedback of cooperative institution.In this case, Third-party payment platform can 204 to cooperation machine
Structure issues inquiry request.205, cooperative institution is anti-to Third-party payment platform return transaction results in response to the inquiry request
Feedback.
If receiving the successful transfer result of cooperative institution in 203 or 205, Third-party payment platform then can will be handed over
Easy result feedback is transmitted to user account, and transaction flow successfully completes.
But sometimes, since cooperative institution is handling a large number of services or unstable networks, Third-party payment platform exists
203,205 the transaction results of cooperative institution's return are not received, that is, list has occurred.At this moment Third-party payment platform needs
Business result is checked dependent on the reconciliation file of cooperative institution's return after N days (N >=1).
In the prior art, in case of list is fallen, the reconciliation that N days can only be waited to receive cooperative institution after (N >=1) is literary
It is handled again after part.In other words, in the case where falling list, if it is unsuccessful to transfer accounts, user needs just to obtain after N days
Know the situation.If user needs to go back credit card, it is more likely that miss the payback period of credit card, this can be to the reference of user
Cause adverse effect.
If Third-party payment platform pays for fund first to user in advance after falling list, but in fact transferring accounts at 202 is
Successfully, such user cooperative institution account and produce and all receive fund in account respectively, cause repetition and transfer accounts.Although
Third-party payment platform can find the success of transferring accounts at 202 after receiving reconciliation file, can recover to user, but have
User's not reimbursement, not can guarantee fund security in this way, improve the financial risks at Third-party payment platform.
In order to solve problem above, present applicant proposes one kind, and user can be made to obtain fund in time, reduces third party again
The scheme of the financial risks of payment platform.
Fig. 3 is the message flow diagram for explaining the method for processing business of various aspects according to the present invention.
As shown in figure 3, user issues outflow service request to Third-party payment platform by terminal 301.Outflow business
Request can request Third-party payment platform to be transferred accounts to cooperative institution.Outflow service request mark produces account.Outflow business is asked
To ask may include the Third-party payment platform account of user, produce the user account of account (for example, producing the account or third of bank
Square payment platform account) and cooperative institution in the user account for being transferred to account.Account can uniquely identify corresponding account
Family.
Specifically, this, which is transferred accounts, can be the transferring accounts to cooperative institution of the user account in Third-party payment platform, at this
In the case of kind, the user account in Third-party payment platform is to produce account.This, which is transferred accounts, is also possible to produce user's account of bank
Family is by Third-party payment platform transferring accounts to cooperative institution, and in this case, the user account for producing bank is to produce account
Family.
302, Third-party payment platform may be in response to come the outflow service request of user terminal and turn to cooperative institution
Account.
As described above, account the transferring accounts to cooperative institution that can be from Third-party payment platform of transferring accounts here, it can also
To be from bank is produced by Third-party payment platform transferring accounts to cooperative institution.It produces between bank and Third-party payment platform
Transfer accounts in the present invention default be successfully, not within the scope of discussion of the invention.
But sometimes due to client's number of requests is more or network jitter, transfer accounts possibility of the Third-party payment platform to bank
Failure.Therefore transferring accounts at 302 is represented by dotted lines.
Further, since client's number of requests is more or network jitter, bank may be to Third-party payment platform
Return to whether successful transaction results are fed back about transferring accounts.
After waiting transaction results feedback time-out, 303, user can initiate fund and pay for request first.
Fund pays for the Third-party payment platform account that request may include user first.
For example, user is not received by the feedback traded successfully or failed whithin a period of time, application client can be passed through
End, artificial customer service etc. initiate reimbursement, it is desirable that account is produced, it is 301 that this, which produces account, for Third-party payment platform reimbursement
That specifies in outflow service request produces account.
Alternatively, 303, user may also require that Third-party payment platform continues the user account into cooperative institution and turns
Account.
304, Third-party payment platform determines whether the credit score of the user is more than threshold value.
For example, Third-party payment platform can make a credit inquiry database according to the Third-party payment platform account of user to obtain
The credit score of the user is taken, and the credit score of user is compared with threshold value.The credit score is used to indicate use
The credit grade of family account.Credit score indicates the contractual capacity of user, and credit score is higher, indicates that the contractual capacity of user is got over
By force；Credit score is lower, indicates that the contractual capacity of user is poorer.
By the credit information and/or credit score phase of the Third-party payment platform account of user and user in credit database
It associatedly stores, so as to inquire corresponding credit information and/or credit score according to the Third-party payment platform account of user.
Credit database can be located in the credit server of Third-party payment platform or outside.
The credit score can be the credit score of Third-party payment platform oneself storage.The credit score be also possible to from
The credit score corresponding to the user that credit server obtains；Or it is obtained from the credit server corresponding with user account
Credit information, the credit score of user account is calculated according to the credit information.
If the credit score of user is more than threshold value, 305, Third-party payment platform can pay for fund first in advance, to
User's produces account reimbursement.
Before reimbursement, user can sign service contract with Third-party payment platform, agree to Third-party payment platform in business
User is initiated to recover when falling and pay for fund first under one-state for user, and fund reconciliation difference occur.
Alternatively, if 303, user requires Third-party payment platform to continue to transfer accounts, then Third-party payment platform can be with
Fund is paid for first in advance 305, is transferred accounts again to cooperative institution.Third-party payment platform records the record of transferring accounts for fund of paying for first.
306, Third-party payment platform receives the statement from cooperative institution and checks statements 307 to determine the
Once whether succeed to transferring accounts for cooperative institution.
Statement may include the Third-party payment platform account of user and produce account to the conjunction from the user
Make transferring accounts for the user account in mechanism whether successfully to indicate.Statement, which may also include, is transferred to account, time of transferring accounts, gold of transferring accounts
Volume etc..
If being for the first time successful and Third-party payment platform subsequent execution fund pad to transferring accounts for cooperative institution
It pays, then can determine that user has received duplicate reimbursement (that is, continuing to transfer accounts to the reimbursement for producing account or to cooperative institution).
In the case where step 307 determines that user receives repetition reimbursement, Third-party payment platform can be chased after 308 to user
Money.For example, by deducting surplus capital of the user in the account of Third-party payment platform, or prompt user squeezes into fund
In the reimbursement account of Third-party payment platform.
309, Third-party payment platform determines whether recovery succeeds, that is, to user user in Third-party payment platform
Fund in account deducts whether successful, and/or user squeezes into fund in reimbursement account.
310, whether Third-party payment platform succeeds according to recovery, is adjusted to the credit score of user.
Specifically, increasing the credit score of user if recovered successfully；If recovery is unsuccessful, user is reduced
Credit score.
Fig. 4 shows the process for the business procession of various aspects according to the present invention executed by Third-party payment platform
Figure.
Referring to fig. 4,401, Third-party payment platform receives the outflow service request for carrying out user terminal and in response to this
It flows out service request and transfers accounts to cooperative institution.
402, Third-party payment platform determines whether to receive the transaction results from cooperative institution, for example, in Fig. 2
The transaction results returned at 203 or 205.
If receiving transaction results, which terminates.
If being not received by transaction results, which marches to 403.
403, Third-party payment platform determines whether that receiving fund from the user pays for request first.
Specifically, user is not received by transaction results within certain time, can be sent out to Third-party payment platform
Refund request or requirement transaction continue (that is, transferring accounts again to cooperative institution) out.
404, Third-party payment platform in response to 403 fund pay for request first and determine the user credit score whether
More than threshold value.
Third-party payment platform can pay for the Third-party payment platform account of the user in request first according to fund to inquire use
The credit score at family.
On the one hand, if the credit score of user is lower than threshold value, Third-party payment platform waits pair of cooperative institution
Bill carries out subsequent processing.Whether statement instruction succeeds in 401 transfer accounts.If it fails, user can initiate to flow again
Service request out.
On the other hand, if the credit score of user is higher than threshold value, process marches to 406, Third-party payment platform
It pays for fund first in advance, producing account reimbursement or transfer accounts again to cooperative institution to user is required according to user.
407, Third-party payment platform receives the statement from cooperative institution and transfers accounts 401 in 408 verifications and be
No success.
If unsuccessful to transferring accounts for cooperative institution at 401, which terminates.
If illustrating that user has received duplicate transfer accounts (that is, 401 to cooperation to the success of transferring accounts of cooperative institution at 401
Transferring accounts for mechanism (transfers accounts in 406 the transferring accounts of fund of paying for first in advance with Third-party payment platform and turns round out account or transfer accounts to conjunction
Make mechanism)).
In the case where the determining user of step 408 receives repetition and transfers accounts, Third-party payment platform can be chased after 409 to user
Money.
For example, Third-party payment platform can deduct surplus capital of the user in Third-party payment platform account, or
Prompt user squeezes into fund in the account of Third-party payment platform to withhold.
410, Third-party payment platform determines whether recovery succeeds.
For example, if the surplus capital in the account of user is insufficient and user is not actively to Third-party payment platform
Account reimbursement, then recover and fail.
411, whether Third-party payment platform succeeds according to recovery, is adjusted to the credit score of user.
Specifically, increasing the credit score of user if recovered successfully；If recovery failure, reduces user's
Credit score.
Fig. 5 shows the block diagram of the device 500 of various aspects according to the present invention.The device can be located at Third-party payment platform
In.
As shown in figure 5, device 500 may include receiving module 501, module of transferring accounts 502, credit block 503, verification module
504, recovery module 505 and delivery module 506.
Receiving module 501 can be configured to receive outflow service request from the user；Receive fund pad from the user
Pay request (refund request/continuation transfer request)；Receive the transaction results feedback from cooperative institution；And it receives from cooperation
The statement of mechanism.As in Fig. 4 step 401, described in 402,403,407.
Module of transferring accounts 502 can be configured to transfer accounts to cooperative institution；Fall list and produces account transfer reimbursement or Xiang Hezuo backward
Mechanism continues to transfer accounts.As described in the step 401 and 406 in Fig. 4.
Credit block 503 can be configured to judge whether the credit value of user is greater than threshold value；And it is successfully gone back according to recovering
It is the credit score for unsuccessfully adjusting user.As described in the step 404 and 411 in Fig. 4.
Verification module 504 can be configured to check the statement from cooperative institution to determine whether to have occurred repetition turn
Account；And determine whether recovery succeeds.As described in the step 407 and 410 in Fig. 4.
Recovery module 505 can be configured to chase after in the case that repetition is transferred accounts to user in verification module 504 determining have occurred
Money.For example, by deducting the surplus capital of user in the account, or fund is squeezed into Third-party payment platform by prompt user
In account.As described in the step 409 in Fig. 4.
Delivery module 506 can be configured to send transaction results to user terminal, and/or sends recovery to user terminal and lead to
Know.As described in the step 410 in Fig. 4.
Claim can be implemented or fall in without representing by describing example arrangement herein in conjunction with the explanation that attached drawing illustrates
In the range of all examples.Term as used herein " exemplary " means " being used as example, example or explanation ", and simultaneously unexpectedly
Refer to " being better than " or " surpassing other examples ".This detailed description includes detail to provide the understanding to described technology.So
And these technologies can be practiced without these specific details.In some instances, it well-known structure and sets
It is standby to be shown in block diagram form to avoid fuzzy described exemplary concept.
In the accompanying drawings, similar assembly or feature can appended drawing references having the same.In addition, the various components of same type can
It is distinguish by the second label distinguished followed by dash line and between similar assembly in appended drawing reference.If
The first appended drawing reference is used only in the description, then the description can be applied to the similar assembly of the first appended drawing reference having the same
Any one of component regardless of the second appended drawing reference how.
It can be described herein with being designed to carry out in conjunction with the various illustrative frames and module of open description herein
The general processor of function, DSP, ASIC, FPGA or other programmable logic device, discrete door or transistor logic, point
Vertical hardware component, or any combination thereof realize or execute.General processor can be microprocessor, but in alternative
In, processor can be any conventional processor, controller, microcontroller or state machine.Processor can also be implemented as counting
The combination of equipment is calculated (for example, DSP and the combination of microprocessor, multi-microprocessor, the one or more cooperateed with DSP core
Microprocessor or any other such configuration).
Function described herein can hardware, the software executed by processor, firmware, or any combination thereof in it is real
It is existing.If realized in the software executed by processor, each function can be used as one or more instruction or code is stored in
It is transmitted on computer-readable medium or by it.Other examples and realization fall in the disclosure and scope of the appended claims
It is interior.For example, function described above can be used the software executed by processor, hardware, firmware, connect firmly due to the essence of software
Line or any combination thereof is realized.It realizes that the feature of function can also be physically located in various positions, including is distributed so that function
Each section of energy is realized in different physical locations.In addition, being arranged as used in (including in claim) herein in project
It lifts and is used in (for example, being enumerated with the project with the wording of such as one or more of at least one of " " or " " etc)
"or" instruction inclusive enumerate so that such as at least one of A, B or C enumerate mean A or B or C or AB or AC or
BC or ABC (that is, A and B and C).Equally, as it is used herein, phrase " being based on " is not to be read as citation sealing condition collection.
Illustrative steps for example, be described as " based on condition A " can model based on both condition A and condition B without departing from the disclosure
It encloses.In other words, as it is used herein, phrase " being based on " should be solved in a manner of identical with phrase " being based at least partially on "
It reads.
Computer-readable medium includes both non-transitory, computer storage medium and communication media comprising facilitates computer
Any medium that program shifts from one place to another.Non-transitory storage media, which can be, to be accessed by a general purpose or special purpose computer
Any usable medium.Non-limiting as example, non-transient computer-readable media may include that RAM, ROM, electric erasable can
Program read-only memory (EEPROM), compact disk (CD) ROM or other optical disc storages, disk storage or other magnetic storage apparatus,
Or it can be used to carry or store instruction or the expectation program code means of data structure form and can be by general or specialized calculating
Machine or any other non-transitory media of general or specialized processor access.Any connection is also properly termed computer
Readable medium.For example, if software is using coaxial cable, fiber optic cables, twisted pair, digital subscriber line (DSL) or such as red
Outside, the wireless technology of radio and microwave etc is transmitted from web site, server or other remote sources, then should
Coaxial cable, fiber optic cables, twisted pair, digital subscriber line (DSL) or such as infrared, radio and microwave etc it is wireless
Technology is just included among the definition of medium.As used herein disk (disk) and dish (disc) include CD, laser disc, light
Dish, digital universal dish (DVD), floppy disk and blu-ray disc, which disk usually magnetically reproduce data and dish with laser come optically again
Existing data.Combination of the above media is also included in the range of computer-readable medium.
There is provided description herein is in order to enable those skilled in the art can make or use the disclosure.To the disclosure
Various modifications will be apparent those skilled in the art, and the generic principles being defined herein can be applied to it
He deforms without departing from the scope of the present disclosure.The disclosure is not defined to examples described herein and design as a result, and
It is that the widest scope consistent with principles disclosed herein and novel feature should be awarded.
Claims (21)
1. a kind of method for processing business, comprising:
The fund that reception carrys out user terminal pays for request first, wherein the fund pays for the user that request includes the user terminal first
Third-party payment platform account；
The Third-party payment platform account in request is paid for first according to the fund to obtain the credit score of the user；
The credit score of the user is compared with threshold value；And
If the credit score of the user is greater than the threshold value, the account for the user pays for fund first.
2. the method as described in claim 1, which is characterized in that further comprise, in response to the stream from the user terminal
Out service request and transfer accounts from user account of the account into cooperative institution that produce of the user,
It is the user terminal in response to not receiving from the cooperative institution about described that wherein the fund, which pays for request first,
The feedback transferred accounts and send.
3. method according to claim 2, which is characterized in that the fund pay for first including to it is described produce account reimbursement or to
User account in the cooperative institution continues to transfer accounts.
4. method according to claim 2, which is characterized in that further comprise:
Receive the statement from the cooperative institution, the statement include user Third-party payment platform account and from
Whether the transferring accounts for user account of the account into the cooperative institution of producing of the user successfully indicates；
Determine whether described transfer accounts succeeds according to the mark in the statement；And
If it is described transfer accounts successfully and perform it is described pay for fund first, issue recovery notice to the user terminal.
5. method as claimed in claim 4, which is characterized in that further comprise:
Whether successfully the credit score of the user account is adjusted according to recovery.
6. method as claimed in claim 5, which is characterized in that further comprise:
If recovered successfully, increase the credit score of the user account；And
If recovery is unsuccessful, reduce the credit score of the user account.
7. the method as described in claim 1, which is characterized in that the credit score of the user account for obtaining the user terminal
Value includes:
The credit score of the user is obtained from credit server according to the Third-party payment platform account of the user；Or
The credit information of the user is obtained from the credit server according to the Third-party payment platform account of the user, and
And the credit score of the user is calculated according to the credit information.
8. a kind of service processing equipment, comprising:
Carry out the fund of user terminal for receiving and pay for the device of request first, wherein it includes the user that the fund, which pays for request first,
The Third-party payment platform account of the user of terminal；
The credit score of the user is obtained for paying for the Third-party payment platform account in request first according to the fund
The device of value；
Device for the credit score of the user to be compared with threshold value；And
If the credit score for the user is greater than the threshold value, the device of fund is paid for first for the account of the user.
9. equipment as claimed in claim 8, which is characterized in that further comprise, in response to coming from the user terminal
Outflow service request and the device for producing user account of the account into cooperative institution and transferring accounts from the user,
It is the user terminal in response to not receiving from the cooperative institution about described that wherein the fund, which pays for request first,
The feedback transferred accounts and send.
10. equipment as claimed in claim 9, which is characterized in that the fund pay for first including to it is described produce account reimbursement or
User account into the cooperative institution continues to transfer accounts.
11. equipment as claimed in claim 9, which is characterized in that further comprise:
For receiving the device of the statement from the cooperative institution, the statement includes the Third-party payment platform of user
Account and from the user produce user account of the account into the cooperative institution transfer accounts whether successfully indicate；
For determined according to the mark in the statement it is described transfer accounts whether successful device；And
If for it is described transfer accounts successfully and perform it is described pay for fund first, issue recovery notice to the user terminal
Device.
12. equipment as claimed in claim 11, which is characterized in that further comprise:
For according to recovery whether successfully come adjust the user account credit score device.
13. equipment as claimed in claim 12, which is characterized in that further comprise:
If increasing the device of the credit score of the user account for recovering successfully；And
If unsuccessful for recovery, reduce the device of the credit score of the user account.
14. equipment as claimed in claim 8, which is characterized in that described for obtaining the user account of the user terminal
The device of credit score includes:
For the credit score of the user to be obtained from credit server according to the Third-party payment platform account of the user
Device；Or
For being believed according to the Third-party payment platform account of the user from the credit that the credit server obtains the user
Breath, and calculate according to the credit information device of the credit score of the user.
15. a kind of business processing device, comprising:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processor when executed
Execute following operation:
The fund that reception carrys out user terminal pays for request first, wherein the fund pays for the user that request includes the user terminal first
Third-party payment platform account；
The Third-party payment platform account in request is paid for first according to the fund to obtain the credit score of the user；
The credit score of the user is compared with threshold value；And
If the credit score of the user is greater than the threshold value, the account for the user pays for fund first.
16. device as claimed in claim 15, which is characterized in that the executable instruction further executes the processor
It operates below: producing account to cooperative institution from the user in response to the outflow service request from the user terminal
In user account transfer accounts,
It is the user terminal in response to not receiving from the cooperative institution about described that wherein the fund, which pays for request first,
The feedback transferred accounts and send.
17. device as claimed in claim 15, which is characterized in that the fund pay for first including to it is described produce account reimbursement or
User account into the cooperative institution continues to transfer accounts.
18. device as claimed in claim 17, which is characterized in that the executable instruction further executes the processor
It operates below:
Receive the statement from the cooperative institution, the statement include user Third-party payment platform account and from
Whether the transferring accounts for user account of the account into the cooperative institution of producing of the user successfully indicates；
Determine whether described transfer accounts succeeds according to the mark in the statement；And
If it is described transfer accounts successfully and perform it is described pay for fund first, issue recovery notice to the user terminal.
19. device as claimed in claim 18, which is characterized in that the executable instruction further executes the processor
It operates below:
Whether successfully the credit score of the user account is adjusted according to recovery.
20. device as claimed in claim 18, which is characterized in that the executable instruction further executes the processor
It operates below:
If recovered successfully, increase the credit score of the user account；And
If recovery is unsuccessful, reduce the credit score of the user account.
21. device as claimed in claim 15, which is characterized in that the credit of the user account for obtaining the user terminal
Score value includes:
The credit score of the user is obtained from credit server according to the Third-party payment platform account of the user；Or
The credit information of the user is obtained from the credit server according to the Third-party payment platform account of the user, and
And the credit score of the user is calculated according to the credit information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811474832.1A CN110020839A (en) | 2018-12-04 | 2018-12-04 | Method for processing business, apparatus and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811474832.1A CN110020839A (en) | 2018-12-04 | 2018-12-04 | Method for processing business, apparatus and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110020839A true CN110020839A (en) | 2019-07-16 |
Family
ID=67188589
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811474832.1A Pending CN110020839A (en) | 2018-12-04 | 2018-12-04 | Method for processing business, apparatus and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110020839A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111640006A (en) * | 2020-05-29 | 2020-09-08 | 深圳壹账通智能科技有限公司 | Bank payment and receipt method, device, terminal and storage medium |
| CN111754220A (en) * | 2020-06-24 | 2020-10-09 | 支付宝(杭州)信息技术有限公司 | Terminal device, service processing system and method for transmitting digital resources |
| CN112529576A (en) * | 2020-12-16 | 2021-03-19 | 支付宝(杭州)信息技术有限公司 | Resource processing method and device and payment processing method and device |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105931036A (en) * | 2016-05-31 | 2016-09-07 | 北京小米移动软件有限公司 | Payment method and device |
| CN106157003A (en) * | 2015-04-03 | 2016-11-23 | 阿里巴巴集团控股有限公司 | Data interactive method and device |
| CN107784540A (en) * | 2016-08-26 | 2018-03-09 | 阿里巴巴集团控股有限公司 | Exchange goods information processing method and device |
-
2018
- 2018-12-04 CN CN201811474832.1A patent/CN110020839A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106157003A (en) * | 2015-04-03 | 2016-11-23 | 阿里巴巴集团控股有限公司 | Data interactive method and device |
| CN105931036A (en) * | 2016-05-31 | 2016-09-07 | 北京小米移动软件有限公司 | Payment method and device |
| CN107784540A (en) * | 2016-08-26 | 2018-03-09 | 阿里巴巴集团控股有限公司 | Exchange goods information processing method and device |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111640006A (en) * | 2020-05-29 | 2020-09-08 | 深圳壹账通智能科技有限公司 | Bank payment and receipt method, device, terminal and storage medium |
| CN111640006B (en) * | 2020-05-29 | 2023-05-02 | 深圳壹账通智能科技有限公司 | Bank payment method and device, terminal and storage medium |
| CN111754220A (en) * | 2020-06-24 | 2020-10-09 | 支付宝(杭州)信息技术有限公司 | Terminal device, service processing system and method for transmitting digital resources |
| CN112529576A (en) * | 2020-12-16 | 2021-03-19 | 支付宝(杭州)信息技术有限公司 | Resource processing method and device and payment processing method and device |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10706424B2 (en) | Device including image including multiple layers | |
| JP5518740B2 (en) | System and method for data completion including a push identifier | |
| US20180293575A1 (en) | Systems and methods for settling chargeback transactions | |
| US9508057B2 (en) | Automatically updating account information | |
| CN105678546B (en) | Digital asset processing method based on distributed shared general ledger | |
| CN106296392A (en) | Prop up pay road system of selection and device | |
| JP2005539332A (en) | System and method for converting a value storage card to a credit card | |
| KR101388654B1 (en) | Financial Fraud Suspicious Transaction Monitoring System and a method thereof | |
| WO2009111562A2 (en) | Methods and systems for managing merchant identifiers | |
| CN110020839A (en) | Method for processing business, apparatus and system | |
| US11915213B2 (en) | Systems and methods for domestic and/or cross border blockchain transaction solutions involving central bank digital currency | |
| CA2977503C (en) | Transmitting disbursements from a commercial financial account | |
| US20220156708A1 (en) | Person to business payment system and method | |
| US20140156510A1 (en) | Method and system of providing financial transactions for the visually impaired | |
| US20190205871A1 (en) | System and methods for populating a merchant advice code | |
| CN106934606B (en) | Credit card payment request processing method and device | |
| US20190043053A1 (en) | Method and system for transaction authorization | |
| KR102016586B1 (en) | Interprocessed Electronic Signals for Surrogate Functionality | |
| US20230126855A1 (en) | Omnichannel system and a method for providing financial and bank services | |
| JP2005208874A (en) | Store price adjustment method using child card | |
| US20160048784A1 (en) | System and method for efficient allocation of resources in a financial services branch | |
| KR101023101B1 (en) | Method for Operating Transportation Card Prior Issued with Free Function and Recording Medium | |
| KR20220068812A (en) | Method for stepwise transfer of electronic money | |
| CN114283011A (en) | Remittance service state information determining method based on distributed architecture | |
| CN111539807A (en) | Transfer method and device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20200924 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200924 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |
|
| TA01 | Transfer of patent application right | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190716 |
|
| RJ01 | Rejection of invention patent application after publication |