CN110458537B - Method and device for processing cash-out transaction - Google Patents
Method and device for processing cash-out transaction Download PDFInfo
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Abstract
The application provides a cash-out transaction processing method and device, wherein the method comprises the following steps: obtaining a payment service request of a target third-party payment mechanism, wherein the payment service request comprises a payment amount and an identifier of the target third-party payment mechanism; traversing a second-level cash-out account corresponding to the target third-party payment mechanism; if the funds on all the second-level pay account numbers are smaller than the pay amount, the funds on all the second-level pay account numbers are collected on the first-level pay account numbers, wherein the collected funds on the first-level pay account numbers are higher than the funds on the second-level pay account numbers; and deducting the payment amount from the collected first-level payment account, and transferring the deducted payment amount to a target third-party payment mechanism according to the identification of the target third-party payment mechanism. Therefore, a first-level money outlet account number for dealing with the large-amount money outlet service can be specially established for the target third-party payment mechanism, and the money outlet transaction processing efficiency is effectively improved.
Description
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing a cash-out transaction.
Background
At present, with the rapid development of internet technology and terminal devices, it has become very popular to complete transactions such as payment and money transfer by installing a third party payment application in a terminal device. And establishing a pay-by-payment system for managing and controlling the access of the pay-by-payment of the client, wherein the pay-by-payment system processes a plurality of pay-out services initiated by a massive third-party payment mechanism in real time.
In the related art, in order to meet the demand of large-amount fund withdrawal, a special large-amount fund withdrawal account is established in a spare payment system. When a plurality of third-party payment mechanisms have large-amount money outlet requirements, the back-up payment system sequentially processes money outlet services initiated by the third-party payment mechanisms according to time sequence, the third-party payment mechanisms behind the back-up payment system need long time to finish the money outlet services, the response speed is low, and the money outlet transaction processing efficiency is low.
Content of application
The present application is directed to solving, at least in part, one of the technical problems in the related art.
To this end, a first object of the present application is to propose a method for processing a cash-out transaction.
A second object of the present application is to provide a cash-out transaction processing apparatus.
A third object of the present application is to propose another kind of money transaction processing apparatus.
A fourth object of the present application is to propose a pay-as-you-go system.
A fifth object of the present application is to propose a computer-readable storage medium.
A sixth object of the present application is to propose a computer program product.
To achieve the above object, a first embodiment of the present application provides a method for processing a cash-out transaction, including:
acquiring a payment service request of a target third-party payment mechanism, wherein the payment service request comprises a payment amount and an identifier of the target third-party payment mechanism;
traversing a second-level cash-out account corresponding to the target third-party payment mechanism;
if the funds on all the second-level pay account numbers are smaller than the pay amount, collecting the funds on all the second-level pay account numbers on the first-level pay account numbers, wherein the collected funds on the first-level pay account numbers are higher than the funds on the second-level pay account numbers;
and deducting the money outlet amount from the collected first-level money outlet account, and allocating the deducted money outlet amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism.
In one possible implementation, the method further includes:
and establishing a distributed account system, wherein each third-party payment mechanism corresponds to the cash-out accounts with different levels.
In one possible implementation, the method further includes:
and if the fund on the currently traversed second-stage payout account is larger than or equal to the payout amount, deducting the payout amount from the currently traversed second-stage payout account.
In one possible implementation manner, before the deducting the payout amount from the grouped first-level payout account number, the method further includes:
and determining that the fund collection is successful.
In one possible implementation, the determining that the fund collection is successful comprises:
and determining that all funds on the second-stage cash-out account are collected to the first-stage cash-out account within a preset time period, wherein the collected funds on the first-stage cash-out account are greater than or equal to the cash-out amount.
In a possible implementation manner, before deducting the payout amount from the aggregated first-level payout account number, the method further includes:
and if the fund collection fails, returning the collected funds on the first-level pay account numbers to each second-level pay account number.
In a possible implementation manner, the returning the collected funds on the first-level payout account numbers to the respective second-level payout account numbers includes:
and returning the funds on the collected first-stage pay account numbers to the second-stage pay account numbers according to the second-stage pay account numbers before collection, wherein the funds on the returned second-stage pay account numbers are the same as those before collection.
In one possible implementation, after the deducting of the payout amount is allocated to the target third party payment mechanism according to the identification of the target third party payment mechanism, the method further comprises:
and returning the residual funds on the deducted first-level pay account numbers to each second-level pay account number.
In a possible implementation manner, after deducting the payout amount from the aggregated first-level payout account number, the method further includes:
and setting the payment transaction state as successful.
The method for processing the payment transaction comprises the steps of obtaining a payment service request of a target third-party payment mechanism, wherein the payment service request comprises a payment amount and an identifier of the target third-party payment mechanism; traversing a second-level cash-out account corresponding to the target third-party payment mechanism; if the funds on all the second-level pay account numbers are smaller than the pay amount, collecting the funds on all the second-level pay account numbers on the first-level pay account numbers, wherein the collected funds on the first-level pay account numbers are higher than the funds on the second-level pay account numbers; deducting the payment amount from the collected first-level payment account, and allocating the deducted payment amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism. Therefore, a first-level cash-out account number for dealing with the large-amount cash-out service can be specially established for the target third-party payment mechanism, and the processing efficiency of cash-out transaction is effectively improved. Especially when a plurality of third-party payment mechanisms have large-amount money outlet requirements, large-amount money outlet services of the third-party payment mechanisms can be processed in parallel, and compared with a mode that corresponding money amounts are deducted from special large-amount money outlet account numbers in sequence according to time in the related technology, instantaneous mass concurrence of transactions can be effectively dealt with, response speed is high, and money outlet transaction processing efficiency is improved.
To achieve the above object, a second aspect of the present application provides a cash-out transaction processing apparatus, including:
the system comprises an acquisition module, a payment processing module and a payment processing module, wherein the acquisition module is used for acquiring a payment service request of a target third-party payment mechanism, and the payment service request comprises a payment amount and an identifier of the target third-party payment mechanism;
the traversal module is used for traversing a second-level cash-out account corresponding to the target third-party payment mechanism;
the collection module is used for collecting the funds on all the second-level pay account numbers to the first-level pay account numbers if the funds on all the second-level pay account numbers are smaller than the pay amount, wherein the collected funds on the first-level pay account numbers are higher than those on the second-level pay account numbers;
the deduction module is used for deducting the money amount from the collected first-level money outlet account;
and the transfer module is used for transferring the deducted money amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism.
In one possible implementation, the apparatus further includes:
and the establishing module is used for establishing a distributed account system, wherein each third-party payment mechanism corresponds to the payment account numbers with different levels.
In one possible implementation, the apparatus further includes:
and the deduction module is further used for deducting the payout amount from the currently traversed second-stage payout account if the fund on the currently traversed second-stage payout account is larger than or equal to the payout amount.
In one possible implementation, the apparatus further includes:
and the determining module is used for determining that the fund collection is successful before deducting the money amount from the collected first-level money outlet account.
In a possible implementation manner, the determining module is specifically configured to:
and determining that all funds on the second-stage cash-out account are collected to the first-stage cash-out account within a preset time period, wherein the collected funds on the first-stage cash-out account are greater than or equal to the cash-out amount.
In one possible implementation, the apparatus further includes:
and the first returning module is used for returning the collected funds on the first-level pay account numbers to each second-level pay account number if the fund collection fails.
In a possible implementation manner, the first returning module is specifically configured to:
and returning the funds on the collected first-stage pay account numbers to the second-stage pay account numbers according to the second-stage pay account numbers before collection, wherein the funds on the returned second-stage pay account numbers are the same as those before collection.
In one possible implementation, the apparatus further includes:
and the second returning module is used for returning the residual funds on the deducted first-level cash-out account numbers to each second-level cash-out account number after the deducted cash-out amount is allocated to the target third-party payment mechanism according to the identification of the target third-party payment mechanism.
In one possible implementation, the apparatus further includes:
and the setting module is used for setting the money outlet transaction state as successful after deducting the money outlet amount from the first-level money outlet account number after the aggregation.
The cash-out transaction processing device of the embodiment of the application acquires a cash-out service request of a target third-party payment mechanism, wherein the cash-out service request comprises cash-out amount and an identifier of the target third-party payment mechanism; traversing a second-level cash-out account corresponding to the target third-party payment mechanism; if the funds on all the second-level pay account numbers are smaller than the pay amount, collecting the funds on all the second-level pay account numbers on the first-level pay account numbers, wherein the collected funds on the first-level pay account numbers are higher than the funds on the second-level pay account numbers; deducting the payment amount from the collected first-level payment account, and allocating the deducted payment amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism. Therefore, a first-level cash-out account number for dealing with the large-amount cash-out service can be specially established for the target third-party payment mechanism, and the processing efficiency of cash-out transaction is effectively improved. Especially when a plurality of third-party payment mechanisms have large-amount fund-drawing requirements, large-amount fund-drawing services of the third-party payment mechanisms can be processed in parallel, and compared with a mode that corresponding amounts are deducted from special large-amount fund-drawing account numbers in sequence according to time sequence in the related technology, the method can effectively deal with instantaneous massive concurrence of transactions, is high in response speed, and improves the processing efficiency of the fund-drawing transactions.
In order to achieve the above object, a third aspect of the present application provides another money discharge transaction processing apparatus, including: a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the method for processing a cash-out transaction as described above.
To achieve the above object, a pay-as-you-go system according to a fourth aspect of the present invention includes: a memory, a processor and a computer program stored on the memory and operable on the processor, wherein the processor when executing the program implements a cash-out transaction processing method as described above.
In order to achieve the above object, a fifth aspect of the present application provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to implement the cash-out transaction processing method as described above.
In order to achieve the above object, a sixth aspect of the present application provides a computer program product, wherein when being executed by an instruction processor of the computer program product, the method for processing a cash-out transaction as described above is implemented.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
fig. 1 is a schematic flow chart illustrating a method for processing a cash-out transaction according to an embodiment of the present disclosure;
fig. 2 is a schematic flow chart illustrating a method for processing a cash-out transaction according to an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of a cash-out transaction processing device according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of another cash-out transaction processing device according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of another cash-out transaction processing device according to an embodiment of the present application;
fig. 6 is a schematic structural diagram of a cash-in-place system according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary and intended to be used for explaining the present application and should not be construed as limiting the present application.
The following describes a cash-out transaction processing method and apparatus according to an embodiment of the present application with reference to the drawings.
Fig. 1 is a schematic flow chart of a cash-out transaction processing method according to an embodiment of the present disclosure. As shown in fig. 1, the cash-out transaction processing method includes the following steps:
step 101, a money outlet service request of a target third-party payment mechanism is obtained, wherein the money outlet service request comprises money outlet amount and identification of the target third-party payment mechanism.
Specifically, the target third-party payment mechanism initiates a payment service request, and the prepayment system transfers the corresponding payment amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism after receiving the payment service request.
Wherein the identifier of the target third party payment mechanism is used to identify the uniqueness of the target third party payment mechanism, and the identifier of the target third party payment mechanism is, for example, the name or mechanism code of the target third party payment mechanism.
And 102, traversing the second-level cash-out account number corresponding to the target third-party payment mechanism.
Specifically, in order to process the paying services of a plurality of third-party payment mechanisms in parallel and improve the processing efficiency of paying transactions, a distributed account system is established in a payment preparation system, and paying accounts of different levels are established for each third-party payment mechanism.
In different application scenarios, the established distributed account systems are different.
As an example, in the distributed account system, a first-level payout account, a second-level payout account, and a third-level payout account are respectively established for each third-party payment mechanism. The number of the payout account numbers of each level is not limited, for example, the number of the first-level payout account numbers is one or more, the number of the second-level payout account numbers is one or more, and the number of the third-level payout account numbers is one or more.
The first-level money outlet account is used for dealing with large-amount money outlet business, and frequent fund transfer is effectively prevented.
And the fund drawing account number of the second level is used for dealing with the medium fund drawing service.
And the money outlet account number of the third level is used for dealing with the small money outlet service.
It should be noted that the first-level payout account numbers are account numbers used for collecting funds on the second-level payout account numbers, and if the fund collection requirement does not exist, the first-level payout account numbers are blank account numbers (the funds are 0), so that the fund occupation is reduced; and if the fund collection requirement exists, the fund on the first-level cash-out account is the sum of the funds on all the second-level cash-out accounts.
It should be noted that the third level of payout account numbers have less funds than the second level of payout account numbers.
It can be understood that, when the fund withdrawal service of the target third-party payment mechanism is processed, the fund preparation system matches the fund withdrawal amount corresponding to the fund withdrawal service with each third-stage fund withdrawal account number preferentially; and if the fund of one third-level pay account is sufficient, namely the fund on one third-level pay account is larger than or equal to the pay amount corresponding to the pay service, deducting the pay amount from the third-level pay account with sufficient fund, and transferring the deducted pay amount to the target third-party payment mechanism.
If the funds on all the third-level payout account numbers are insufficient, namely, the funds of none of the third-level payout account numbers are larger than or equal to the payout amount corresponding to the payout service, the second-level payout account numbers corresponding to the target third-party payment mechanism are traversed, and how to transfer the funds to the target third-party payment mechanism is decided according to the traversal result.
If the traversal result is that the funds on all the second-level payout account numbers are insufficient, step 103 is executed. If the traversal result is that a second-level payout account with sufficient funds exists, the method further comprises the following steps:
and if the fund on the currently traversed second-stage paying account is larger than or equal to the paying amount, deducting the paying amount from the currently traversed second-stage paying account, and allocating the deducted paying amount to the target third-party paying mechanism according to the identification of the target third-party paying mechanism.
Specifically, if the funds on the currently traversed second-stage payout account are sufficient, that is, the funds on the currently traversed second-stage payout account are greater than or equal to the payout amount, which indicates that there is no need for fund collection, the payout amount is deducted from the currently traversed second-stage payout account and is transferred to the target third-party payment mechanism.
And 103, if the funds on all the second-level pay account numbers are smaller than the pay amount, collecting the funds on all the second-level pay account numbers on the first-level pay account numbers, wherein the collected funds on the first-level pay account numbers are higher than the funds on the second-level pay account numbers.
It is understood that funding refers to the collection of funds on multiple account numbers onto the same account number.
Specifically, if the traversal result indicates that the funds on all the second-stage payout account numbers are insufficient, that is, the funds on the second-stage payout account numbers are smaller than the payout amount, which indicates that the requirement of fund collection exists, at this time, all the funds on each second-stage payout account number are collected to the first-stage payout account number. The fund on the collected first-level cash-out account numbers is higher than that on each second-level cash-out account number and is equal to the sum of the funds on all the second-level cash-out account numbers.
Furthermore, in order to improve the fund collection speed, the funds on each second-level cash-out account are collected to the first-level cash-out account in a parallel processing mode.
And 104, deducting the payment amount from the collected first-level payment account number, and allocating the deducted payment amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism.
Specifically, the collected first-level money-drawing account numbers have sufficient funds and can deal with large-amount money-drawing services. And after the fund collection is completed, deducting the deducted fund amount from the collected first-level fund outlet account and transferring the deducted fund amount to a target third-party payment mechanism.
Further, after step 104, the method further comprises the steps of: and returning the residual funds on the deducted first-level pay account numbers to each second-level pay account number.
In a practical situation, the pay-by-payment system processes massive pay-out services of each third-party payment mechanism in real time. In order to ensure that each cash-out service is smoothly carried out, after the primary cash-out account is processed by the back-up payment system, the residual funds on the primary cash-out account are returned to each secondary cash-out account, so that each secondary cash-out account is changed into a state with sufficient funds again, and each secondary cash-out account with sufficient funds can also process the subsequent cash-out services of which the cash-out amount meets the conditions of the third-party payment mechanism. For example, if the payout amount of the subsequent payout service is 1 ten thousand and the fund on one second-level payout account number is 2 ten thousand, the second-level payout account number may be transferred.
Further, in order to strengthen the cash-out transaction management, the cash-out transaction state of the cash-out service is set. After deducting the deducted amount from the aggregated first-level payout account numbers, the method further comprises: and setting the payment transaction state as successful.
The method for processing the cash-out transaction provided by the embodiment of the application comprises the steps of obtaining a cash-out service request of a target third-party payment mechanism, wherein the cash-out service request comprises cash-out amount and an identifier of the target third-party payment mechanism; traversing a second-level cash-out account corresponding to the target third-party payment mechanism; if the funds on all the second-stage cash-out account numbers are smaller than the cash-out amount, collecting the funds on all the second-stage cash-out account numbers on the first-stage cash-out account numbers, wherein the collected funds on the first-stage cash-out account numbers are higher than the funds on the second-stage cash-out account numbers; deducting the payment amount from the collected first-level payment account, and allocating the deducted payment amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism. Therefore, a first-level money outlet account number for dealing with the large-amount money outlet service can be specially established for the target third-party payment mechanism, and the money outlet transaction processing efficiency is effectively improved. Especially when a plurality of third-party payment mechanisms have large-amount money outlet requirements, large-amount money outlet services of the third-party payment mechanisms can be processed in parallel, and compared with a mode that corresponding money amounts are deducted from special large-amount money outlet account numbers in sequence according to time in the related technology, instantaneous mass concurrence of transactions can be effectively dealt with, response speed is high, and money outlet transaction processing efficiency is improved.
Fig. 2 is a schematic flow chart of another outbound transaction processing method according to the embodiment of the present application. As shown in fig. 2, the method for processing the cash-out transaction includes the following steps:
step 201, obtaining a payment service request of a target third-party payment mechanism, wherein the payment service request comprises a payment amount and an identifier of the target third-party payment mechanism.
And 202, traversing the second-level cash-out account number corresponding to the target third-party payment mechanism.
Step 203, if the funds on all the second-level pay account numbers are smaller than the pay amount, collecting the funds on all the second-level pay account numbers on the first-level pay account numbers, wherein the collected funds on the first-level pay account numbers are higher than the funds on the second-level pay account numbers.
It should be noted that the implementation manners of step 201, step 202, and step 203 are respectively the same as the implementation manners of step 101, step 102, and step 103 in the embodiment shown in fig. 1, and are not described again here.
And step 204, determining that the fund collection is successful.
Specifically, in order to ensure the smooth operation of the large-amount money-drawing service, before deducting the money-drawing amount from the collected first-level money-drawing account, it is necessary to determine whether the money is successfully collected.
In different application scenarios, the manner of determining success of fund collection is different.
As an example, in order to ensure the processing efficiency of the money outlet transaction and the smooth progress of the large money outlet service, the manner of determining the successful collection of the fund is as follows: and determining that all funds on the second-stage cash-out account are collected to the first-stage cash-out account within a preset time period, wherein the collected funds on the first-stage cash-out account are greater than or equal to the cash-out amount.
Specifically, in order to ensure the processing efficiency of the cash-out transaction, the fund collection time is restricted. The preset time period is set according to actual conditions, and is 1 minute, for example.
Specifically, if the fund collection is in place in the preset time period and the collected funds of the first-stage cash-out account are sufficient, the cash-in-reserve system processes the current cash-out service. Otherwise, if the fund is not collected in place in the preset time period or the fund is collected in place in the preset time period but the collected fund of the first-stage cash-out account is insufficient, ending the processing of the current cash-out service.
And 205, deducting the payment amount from the collected first-level payment account, and allocating the deducted payment amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism.
It should be noted that the implementation manner of step 205 is the same as that of step 104 in the embodiment shown in fig. 1, and is not described herein again.
Further, before deducting the payout amount from the grouped first-stage payout account numbers, if the fund grouping fails, returning the funds on the grouped first-stage payout account numbers to each second-stage payout account number.
Specifically, if the funds are not collected in place in the preset time period, or the funds are collected in place in the preset time period but the collected first-level cash-out account has insufficient funds, the funds are considered to be failed to be collected.
Because the reserve payment system processes massive payment services in real time, when the fund collection fails, the collected funds on the first-level payment account numbers are returned to each second-level payment account number, so that each second-level payment account number is changed into a state with sufficient funds again, and each second-level payment account number with sufficient funds can process subsequent payment services. For example, if the payout amount of the subsequent payout service is 1 ten thousand and the fund on one second-level payout account number is 2 ten thousand, the fund on the second-level payout account number can be transferred.
It should be noted that, when returning funds, returning funds may be performed randomly, or the funds on the collected first-level payout account may be returned to each second-level payout account according to each second-level payout account before collection, and the funds on the returned second-level payout account are the same as those before collection, but not limited to this.
Further, in order to strengthen the cash-out transaction management, the cash-out transaction state of the cash-out service is set. For example, after deducting the deduction amount from the collected first-level payout account number, the payout transaction status is set to be successful. For example, if the fund collection fails, the out-of-money status is set as failure.
In the method for processing the payout transaction provided by the embodiment of the application, in order to ensure the smooth operation of the large-amount payout service, before deducting the payout amount from the first-level payout account number after the collection, the success of fund collection needs to be determined. Furthermore, if the fund collection fails, the collected funds on the first-level cash-out account numbers are returned to the second-level cash-out account numbers, so that the second-level cash-out account numbers are changed into a state with sufficient funds again, and the second-level cash-out account numbers with sufficient funds can also process subsequent cash-out services, thereby ensuring the normal operation of mass transactions.
Fig. 3 is a schematic structural diagram of a transaction processing apparatus according to an embodiment of the present disclosure. As shown in fig. 3, the transaction processing apparatus includes: the system comprises an acquisition module 11, a traversal module 12, an aggregation module 13, a deduction module 14 and an allocation module 15.
The obtaining module 11 is configured to obtain a payment service request of a target third-party payment mechanism, where the payment service request includes a payment amount and an identifier of the target third-party payment mechanism;
the traversing module 12 is configured to traverse the second-level payout account corresponding to the target third-party payment mechanism;
the collection module 13 is configured to collect the funds on all the second-level payout account numbers to the first-level payout account number if the funds on all the second-level payout account numbers are smaller than the payout amount, wherein the collected funds on the first-level payout account number are higher than the funds on the second-level payout account number;
a deduction module 14, configured to deduct the payout amount from the aggregated first-level payout account;
and the transfer module 15 is used for transferring the deducted money amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism.
In one possible implementation, the apparatus further includes:
and the establishing module is used for establishing a distributed account system, wherein each third-party payment mechanism corresponds to the cash-out accounts with different levels.
In one possible implementation, the apparatus further includes:
the deduction module 14 is further configured to deduct the payout amount from the currently traversed second-level payout account if the fund on the currently traversed second-level payout account is greater than or equal to the payout amount.
In one possible implementation, the apparatus further includes:
and the second returning module is used for returning the residual funds on the deducted first-level cash-out account numbers to each second-level cash-out account number after the deducted cash-out amount is allocated to the target third-party payment mechanism according to the identification of the target third-party payment mechanism.
In one possible implementation, the apparatus further includes:
and the setting module is used for setting the money outlet transaction state as successful after deducting the money outlet amount from the first-level money outlet account number after the aggregation.
It should be noted that the foregoing explanation of the embodiment of the cash-out transaction processing method is also applicable to the cash-out transaction processing apparatus of this embodiment, and the implementation principle thereof is similar, and is not repeated herein.
The transaction processing device of the embodiment of the application acquires a payment service request of a target third-party payment mechanism, wherein the payment service request comprises a payment amount and an identifier of the target third-party payment mechanism; traversing a second-level cash-out account corresponding to the target third-party payment mechanism; if the funds on all the second-level pay account numbers are smaller than the pay amount, collecting the funds on all the second-level pay account numbers on the first-level pay account numbers, wherein the collected funds on the first-level pay account numbers are higher than the funds on the second-level pay account numbers; deducting the payment amount from the collected first-level payment account, and allocating the deducted payment amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism. Therefore, a first-level money outlet account number for dealing with the large-amount money outlet service can be specially established for the target third-party payment mechanism, and the money outlet transaction processing efficiency is effectively improved. Especially when a plurality of third-party payment mechanisms have large-amount fund-drawing requirements, large-amount fund-drawing services of the third-party payment mechanisms can be processed in parallel, and compared with a mode that corresponding amounts are deducted from special large-amount fund-drawing account numbers in sequence according to time sequence in the related technology, the method can effectively deal with instantaneous massive concurrence of transactions, is high in response speed, and improves the processing efficiency of the fund-drawing transactions.
Fig. 4 is a schematic structural diagram of another transaction processing device according to an embodiment of the present disclosure. As shown in fig. 4, on the basis of the embodiment shown in fig. 3, the transaction processing device further includes: a module 16 is determined.
And the determining module 16 is configured to determine that the fund collection is successful before deducting the payout amount from the collected first-level payout account number.
In a possible implementation manner, the determining module 16 is specifically configured to:
and determining that all funds on the second-stage cash-out account are collected to the first-stage cash-out account within a preset time period, wherein the collected funds on the first-stage cash-out account are greater than or equal to the cash-out amount.
In one possible implementation, the apparatus further includes:
and the first returning module is used for returning the collected funds on the first-level pay account numbers to each second-level pay account number if the fund collection fails.
In a possible implementation manner, the first returning module is specifically configured to:
and returning the funds on the collected first-stage pay account numbers to the second-stage pay account numbers according to the second-stage pay account numbers before collection, wherein the funds on the returned second-stage pay account numbers are the same as those before collection.
It should be noted that the foregoing explanation of the embodiment of the cash-out transaction processing method is also applicable to the cash-out transaction processing apparatus of this embodiment, and the implementation principle thereof is similar, and is not repeated herein.
In the transaction processing device of the embodiment of the application, in order to ensure smooth performance of a large-amount payout service, before deducting the payout amount from the first-level payout account number after the collection, it is required to determine that the fund collection is successful. Furthermore, if the fund collection fails, the collected funds on the first-level cash-out account numbers are returned to each second-level cash-out account number, so that each second-level cash-out account number becomes a state with sufficient funds again, and each second-level cash-out account number with sufficient funds can also process each subsequent cash-out service, thereby ensuring the normal operation of mass transactions.
Fig. 5 is a schematic structural diagram of another cash-out transaction processing device according to an embodiment of the present disclosure. The cash-out transaction processing device comprises:
The processor 1002, when executing the program, implements the cash-out transaction processing method provided in the above-described embodiments.
Further, the cash-out transaction processing device further comprises:
a communication interface 1003 for communicating between the memory 1001 and the processor 1002.
A memory 1001 for storing computer programs that may be run on the processor 1002.
The processor 1002 is configured to implement the cash-out transaction processing method according to the foregoing embodiment when executing the program.
If the memory 1001, the processor 1002, and the communication interface 1003 are implemented independently, the communication interface 1003, the memory 1001, and the processor 1002 may be connected to each other through a bus and perform communication with each other. The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended ISA (EISA) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown in FIG. 5, but that does not indicate only one bus or one type of bus.
Optionally, in a specific implementation, if the memory 1001, the processor 1002, and the communication interface 1003 are integrated on one chip, the memory 1001, the processor 1002, and the communication interface 1003 may complete communication with each other through an internal interface.
The processor 1002 may be a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement embodiments of the present Application.
Fig. 6 is a schematic structural diagram of a pay-by-payment system according to an embodiment of the present application. The pay-by-payment system includes:
The processor 2002 implements the cash-out transaction processing method provided in the above-described embodiments when executing the program.
Further, the pay-by-payment system further comprises:
a communication interface 2003 for communication between the memory 2001 and the processor 2002.
A memory 2001 for storing computer programs executable on the processor 2002.
The processor 2002 is configured to implement the cash-out transaction processing method according to the above embodiment when executing the program.
If the memory 2001, the processor 2002, and the communication interface 2003 are implemented independently, the communication interface 2003, the memory 2001, and the processor 2002 may be connected to each other through a bus and perform communication with each other. The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended ISA (EISA) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown in FIG. 6, but this is not intended to represent only one bus or type of bus.
Alternatively, in a specific implementation, if the memory 2001, the processor 2002 and the communication interface 2003 are integrated into a chip, the memory 2001, the processor 2002 and the communication interface 2003 may complete communication with each other through an internal interface.
The processor 2002 may be a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement embodiments of the present Application.
The present application also provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements a cash-out transaction processing method as described above.
The present application also provides a computer program product, which when executed by an instruction processor in the computer program product, implements the cash-out transaction processing method as described above.
In the description herein, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present application, "plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present application in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present application.
The logic and/or steps represented in the flowcharts or otherwise described herein, e.g., an ordered listing of executable instructions that can be considered to implement logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions. For the purposes of this description, a "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of the computer-readable medium would include the following: an electrical connection (electronic device) having one or more wires, a portable computer diskette (magnetic device), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disc read-only memory (CDROM). Additionally, the computer-readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via for instance optical scanning of the paper or other medium, then compiled, interpreted or otherwise processed in a suitable manner if necessary, and then stored in a computer memory.
It should be understood that portions of the present application may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. If implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present application may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a separate product, may also be stored in a computer-readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc. Although embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present application, and that variations, modifications, substitutions and alterations may be made to the above embodiments by those of ordinary skill in the art within the scope of the present application.
Claims (19)
1. A method for processing a payment transaction is characterized in that the method is applied to a spare payment system, and a first-level payment account number for dealing with a large-amount payment service is specially established for each third-party payment mechanism, and comprises the following steps:
acquiring a payment service request of a target third-party payment mechanism, wherein the payment service request comprises a payment amount and an identifier of the target third-party payment mechanism;
traversing a second-level cash-out account corresponding to the target third-party payment mechanism;
if the funds on all the second-stage cash-out account numbers are smaller than the cash-out amount, the funds on all the second-stage cash-out account numbers are collected to the first-stage cash-out account numbers corresponding to the target third-party payment mechanism in a parallel processing mode, wherein the funds on the collected first-stage cash-out account numbers are higher than the funds on the second-stage cash-out account numbers;
deducting the payment amount from the collected first-level payment account, allocating the deducted payment amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism, and processing the large-amount payment service of each third-party payment mechanism in parallel;
after the deducting of the payout amount is allocated to the target third party payment mechanism according to the identification of the target third party payment mechanism, the method further comprises the following steps:
and returning the residual funds on the deducted first-level pay account numbers to each second-level pay account number.
2. The method of claim 1, further comprising:
and establishing a distributed account system, wherein each third-party payment mechanism corresponds to the payment account with different levels.
3. The method of claim 1, further comprising:
and if the fund on the currently traversed second-stage payout account is larger than or equal to the payout amount, deducting the payout amount from the currently traversed second-stage payout account.
4. The method of claim 1, wherein prior to said deducting said payout amount from said aggregated first-level payout account number, further comprising:
and determining that the fund collection is successful.
5. The method of claim 4, wherein the determining that the fund collection was successful comprises:
determining that all funds on the second-level pay account number are collected to the first-level pay account number within a preset time period, and
and the funds on the first-level money-drawing account after the collection are larger than or equal to the money-drawing amount.
6. The method of claim 1, wherein prior to said deducting said payout amount from said aggregated first-level payout account number, further comprising:
and if the fund collection fails, returning the collected funds on the first-stage cash-out account numbers to each second-stage cash-out account number.
7. The method of claim 6, wherein returning funds on the aggregated first level payout account numbers to respective second level payout account numbers comprises:
and returning the funds on the collected first-stage pay account numbers to the second-stage pay account numbers according to the second-stage pay account numbers before collection, wherein the funds on the returned second-stage pay account numbers are the same as those before collection.
8. The method of claim 1, further comprising, after deducting the payout amount from the aggregated first-level payout account number:
and setting the payment transaction state as successful.
9. A cash-out transaction processing device, wherein a first-level cash-out account number for dealing with a large-amount cash-out service is specially established for each third-party payment mechanism, comprising:
the system comprises an acquisition module, a payment processing module and a payment processing module, wherein the acquisition module is used for acquiring a payment service request of a target third-party payment mechanism, and the payment service request comprises a payment amount and an identifier of the target third-party payment mechanism;
the traversal module is used for traversing a second-level cash-out account corresponding to the target third-party payment mechanism;
the collecting module is used for collecting the funds on all the second-stage cash-out account numbers to the first-stage cash-out account numbers corresponding to the target third-party payment mechanism in a parallel processing mode if the funds on all the second-stage cash-out account numbers are smaller than the cash-out amount, wherein the collected funds on the first-stage cash-out account numbers are higher than the funds on the second-stage cash-out account numbers;
the deduction module is used for deducting the money amount from the collected first-level money outlet account;
the transfer module is used for transferring the deducted money amount to the target third-party payment mechanism according to the identification of the target third-party payment mechanism and processing the large money output service of each third-party payment mechanism in parallel;
and the second returning module is used for returning the residual funds on the deducted first-level cash-out account numbers to each second-level cash-out account number after the deducted cash-out amount is allocated to the target third-party payment mechanism according to the identification of the target third-party payment mechanism.
10. The apparatus of claim 9, further comprising:
and the establishing module is used for establishing a distributed account system, wherein each third-party payment mechanism corresponds to the payment account numbers with different levels.
11. The apparatus of claim 9, further comprising:
and the deduction module is further used for deducting the payout amount from the currently traversed second-level payout account if the fund on the currently traversed second-level payout account is greater than or equal to the payout amount.
12. The apparatus of claim 9, further comprising:
and the determining module is used for determining that the fund collection is successful before deducting the payment amount from the collected first-level payment account number.
13. The apparatus of claim 12, wherein the determination module is specifically configured to:
and determining that all funds on the second-stage cash-out account are collected to the first-stage cash-out account within a preset time period, wherein the collected funds on the first-stage cash-out account are greater than or equal to the cash-out amount.
14. The apparatus of claim 9, further comprising:
and the first returning module is used for returning the collected funds on the first-level pay account numbers to each second-level pay account number if the fund collection fails.
15. The apparatus according to claim 14, wherein the first return module is specifically configured to:
and returning the funds on the collected first-stage pay account numbers to the second-stage pay account numbers according to the second-stage pay account numbers before collection, wherein the funds on the returned second-stage pay account numbers are the same as those before collection.
16. The apparatus of claim 9, further comprising:
and the setting module is used for setting the money outlet transaction state as successful after deducting the money outlet amount from the first-level money outlet account number after the aggregation.
17. A cash-out transaction processing apparatus, comprising:
memory, processor and computer program stored on the memory and executable on the processor, characterized in that the processor, when executing the program, implements a cash-out transaction processing method according to any of claims 1-8.
18. A pay-as-you-go system, comprising:
memory, processor and computer program stored on the memory and executable on the processor, characterized in that the processor, when executing the program, implements a cash-out transaction processing method according to any of claims 1-8.
19. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out a method of processing a cash-out transaction according to any one of claims 1 to 8.
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