CN110633990A - Online service processing method and server - Google Patents
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Abstract
The embodiment of the application discloses an online service processing method and a server, wherein the method comprises the following steps: when receiving a first service processing request which is sent by a first terminal and carries first data, a first server sends data transfer mode information to the first terminal according to the first service processing request; the first server receives an offline data transfer request fed back by the first terminal based on the information of the data transfer mode; the first server sends a first acquisition request to the first terminal according to the offline data transfer request, wherein the first acquisition request is used for requesting to acquire withholding authorization information of a first bank card; and the first server processes the withholding operation of the first service processing request according to the withholding authorization information and the first data. By adopting the embodiment of the application, the efficiency of online service processing can be improved.
Description
Technical Field
The invention relates to the technical field of electronic commerce, in particular to an online service processing method and a server.
Background
When a user carries out business transaction on line, the transfer ways of transaction data are mainly divided into two types, one is off-line data transfer through channels such as banking outlets or an internet bank of a bank, a mobile phone bank and the like; another type is internet-based online data transfer.
In the online data transfer, a user selects a service product to place an order through a service transaction platform, and a seller informs a bank account number, an account name, a bank name and data information to be transferred of a data receiver appointed by the user through an instant communication tool or an online service platform so as to transfer the data. In the off-line data transfer, a buyer directly transfers data to an account designated by a seller through remittance, and for the information of the transferred data of the buyer, the seller needs to manually check account firstly, and establish the relationship between data transfer flow and order flow through other auxiliary ways such as transaction data, buyer information (account name), buyer remark and the like after confirming that the data transfer is successful, so that the processing efficiency is too low, the labor cost is high, and errors are easy to occur.
In online data transfer, when a user selects a business product to place an order through a business transaction platform, the system automatically jumps to a designated data transfer receiving platform, the data transfer receiving platform displays a supported data transfer channel for the user to select, the user selects an online data transfer mode, jumps to a corresponding data transfer service according to the user selection, operates according to prompts, records are recorded in each step of operation, and the system automatically checks accounts according to the records. However, in order to meet the requirement of business expansion, online data transfer and offline data transfer need to be combined, and therefore, how to improve the order processing efficiency of offline data transfer and reduce the error rate is a problem that needs to be solved urgently by those skilled in the art.
Disclosure of Invention
The embodiment of the application provides an online service processing method and a server, which can improve the processing efficiency of online services.
In a first aspect, an embodiment of the present application provides an online service processing method, where the method includes:
when receiving a first service processing request which is sent by a first terminal and carries first data, a first server sends information of a data transfer mode to the first terminal according to the first service processing request, wherein the data transfer mode comprises online data transfer and offline data transfer, and the first service processing request is used for requesting to purchase a first service product;
the first server receives an offline data transfer request fed back by the first terminal based on the information of the data transfer mode under the condition that the first terminal selects the offline data transfer mode based on the information of the data transfer mode;
the first server sends a first acquisition request to the first terminal according to the offline data transfer request, wherein the first acquisition request is used for requesting to acquire withholding authorization information of a first bank card, and the first bank card is a bank card of a first bank under a user name for logging in the first terminal;
and the first server processes the withholding operation of the first service processing request according to the withholding authorization information and the first data.
When the user selects the off-line data transfer mode to transfer the data information of the purchase business product, the data is transferred from the bank card by acquiring the bank card of the user instead of the authorization information and replacing the user with the bank card, so that the complicated procedure of handling data transfer from the user to a bank counter is avoided, and the processing efficiency of the whole on-line business is improved; meanwhile, each step of operation is completed under the coordination of the response of the first server, the first server has records in each step of operation, and the first server can correspondingly and timely change the transaction state of the order without manual intervention, so that the error probability is reduced, and the efficiency of online service processing is further improved.
With reference to the first aspect, in a first possible implementation manner of the first aspect, the processing, by the first server, a withholding operation of the first service processing request according to the withholding authorization information and the first data includes:
the first server sends withholding authorization information of the first bank card, the first data and account information of a receiver to a second server, the second server is a background server of the first bank, and the account information of the receiver is the account information of the bank card receiving the first data;
the first server receives credential information, sent by the second server, of the successful transfer of the first data, where the credential information of the successful transfer of the first data is credential information generated by the second server after the first data in the first bank card is transferred to an account of the receiver according to withholding authorization information of the first bank card, the first data and account information of the receiver.
According to the embodiment of the application, the data transfer operation corresponding to the business product is completed through interaction with the background server of the bank, so that the processing efficiency of the whole online business is further improved.
With reference to the first aspect, in a second possible implementation manner of the first aspect, the sending, by the first terminal, the request to the first server through the first application, where after the sending, according to the first service processing request, information of a data transfer manner to the first terminal, the method further includes:
the method comprises the steps that when the first terminal selects an online data transfer mode based on information of the data transfer mode, the first server receives an online data transfer request fed back by the first terminal based on the information of the data transfer mode;
the first server sends data transfer entry information of a money fund to the first terminal according to the online data transfer request, wherein the money fund is a fund managed by the first application;
and the first server receives data transfer voucher information sent by the first terminal, wherein the data transfer voucher information is voucher information generated after the first terminal completes data transfer of the first data according to the data transfer entry information of the money fund.
In the embodiment of the application, the user can transfer the data information of the purchased business product in an on-line data transfer mode, and the on-line data transfer is completed through the money fund inlet, so that the data transfer operation corresponding to the business product is completed at one time, and the processing efficiency of the whole on-line business is improved.
With reference to the first aspect, the first possible implementation manner of the first aspect, or the second possible implementation manner of the first aspect, in a third possible implementation manner of the first aspect, after the first server receives a first service processing request that carries first data and is sent by a first terminal, before the sending, to the first terminal, information of a data transfer manner according to the first service processing request, the method further includes:
the first server generates order information according to the first service processing request, wherein the order information comprises an order number and an order state, and the order state is used for recording each state information from the first service sending the first service processing request from the first terminal to the first data transfer.
According to the method and the device, each state information in the business product purchase processing process is recorded through the order state, so that a user can know the purchase progress conveniently and a server can check accounts conveniently in the later period.
With reference to the third possible implementation manner of the first aspect, in a fourth possible implementation manner of the first aspect, the first server receives a reconciliation file sent by a master of the first service, where the reconciliation file is an account file for online data transfer and offline data transfer related to the first service product within a preset time period, and the reconciliation file is used to assist the first server in auditing reconciliation.
According to the embodiment of the application, the account checking is performed automatically through the server, manual intervention is not needed, the error making efficiency is reduced, and meanwhile the account checking processing efficiency is also improved.
In a second aspect, the present application provides an online service processing server, including:
a first sending unit, configured to send, when receiving a first service processing request carrying first data sent by a first terminal, information of a data transfer manner to the first terminal according to the first service processing request, where the data transfer manner includes online data transfer and offline data transfer, and the first service processing request is used to request purchase of a first service product;
a first receiving unit, configured to receive an offline data transfer request fed back by the first terminal based on information of the data transfer manner, when the first terminal selects the offline data transfer manner based on the information of the data transfer manner;
the first sending unit is further configured to send a first obtaining request to the first terminal according to the offline data transfer request, where the first obtaining request is used to request to obtain withholding authorization information of a first bank card, and the first bank card is a bank card of a first bank under a user name of the first terminal;
and the processing unit is used for processing the withholding operation of the first service processing request according to the withholding authorization information and the first data.
With reference to the second aspect, in a first possible implementation manner of the second aspect, the processing unit includes a second sending unit and a second receiving unit,
the second sending unit is configured to send the withholding authorization information of the first bank card, the first data, and account information of the receiver to a second server, where the second server is a background server of the first bank, and the account information of the receiver is account information of a bank card that receives the first data;
the second receiving unit is configured to receive credential information, which is sent by the second server and used for successfully transferring the first data, where the credential information that is successfully transferred is credential information generated by the second server after transferring the first data in the first bank card to an account of the receiver according to the withholding authorization information of the first bank card, the first data, and the account information of the receiver.
With reference to the second aspect, in a second possible implementation manner of the second aspect, the first service processing request is a request sent by the first terminal to the first server through a first application, and the first sending unit, after sending information of a data transfer manner to the first terminal according to the first service processing request, further includes:
the first receiving unit is further configured to receive an online data transfer request fed back by the first terminal based on the information of the data transfer mode, when the first terminal selects the online data transfer mode based on the information of the data transfer mode;
the first sending unit is further configured to send data transfer entry information of a money fund to the first terminal according to the online data transfer request, where the money fund is a fund managed by the first application;
the first receiving unit is further configured to receive data transfer credential information sent by the first terminal, where the data transfer credential information is credential information generated after the first terminal completes data transfer of the first data according to the data transfer entry information of the money fund.
With reference to the second aspect, the first possible implementation manner of the second aspect, and the second possible implementation manner of the second aspect, in a third possible implementation manner of the second aspect, the method further includes a generating unit, configured to, after the first receiving unit receives a first service processing request carrying first data sent by a first terminal, before the first sending unit sends information of a data transfer manner to the first terminal according to the first service processing request,
and generating order information according to the first service processing request, wherein the order information comprises an order number and an order state, and the order state is used for recording each state information from the first service sending the first service processing request from the first terminal to the completion of the transfer of the first data.
With reference to the third possible implementation manner of the second aspect, in a fourth possible implementation manner of the second aspect, the first receiving unit is further configured to receive a reconciliation file sent by a master of the first business, where the reconciliation file is an account file for online data transfer and offline data transfer related to the first business product within a preset time period, and the reconciliation file is used to assist the first server in auditing the reconciliation.
In a third aspect, the present application provides a computer-readable storage medium storing a computer program, the computer program comprising program instructions that, when executed by a processor, cause the processor to perform the method of any one of the above first aspects.
In a fourth aspect, an embodiment of the present application provides a server, including a processor, a communication interface, and a memory, where the processor, the communication interface, and the memory are connected to each other, where the memory is used to store application program codes, and the processor is configured to call the application program codes to perform the method of any one of the above first aspects.
To sum up, the embodiment of the application acquires the withholding authorization information of the bank card of the user, completes the corresponding data transfer operation of purchasing the business product by the user through interaction with the bank system server, and also can complete the corresponding data transfer operation of purchasing the business product by the user through the money fund, thereby avoiding the tedious procedure of handling the data transfer from the user to the bank counter, improving the processing efficiency of the whole online business, meanwhile, because each step of operation is completed under the response coordination of the first server, each step of operation has a record on the first server, the first server can correspondingly and timely change the transaction state of the order, does not need manual intervention, thereby reducing the probability of errors, and further improving the efficiency of online business processing.
Drawings
The drawings to be used in the embodiments of the present application will be described below.
Fig. 1 is a schematic system architecture diagram of an online service processing method according to an embodiment of the present application;
fig. 2 is an interaction flow diagram of an online service processing method according to an embodiment of the present application;
fig. 3 is a schematic flow chart of a file according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of an online service processing server according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of a server according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions of the present invention better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application.
The system architecture of the present solution is described first. Referring to fig. 1, fig. 1 is a schematic diagram of a system architecture of an online service processing method according to an embodiment of the present disclosure. As shown in fig. 1, the system architecture may include one or more first servers 100 (a plurality of servers may form a server cluster), one or more first terminals (or devices) 110, and a second server 120, where the first server 100 may be a main server of a system of the online business processing method provided in this embodiment, and is used to coordinate management and respond to various operations in a transaction processing process, the first terminal 110 may be a terminal or device used by a user, and the second server 120 may be a server in a banking system, where:
the first server 100 may include, but is not limited to, a background server, a component server, an information processing server, etc., and the first server 100 may communicate with the first terminal 110 and the second server 120 through the internet. The first server 100 needs to run a corresponding server-side program to provide corresponding transaction processing services, such as information database service, data calculation, decision execution, and the like.
The first terminal 110 may install and run a related application or APP, which is an application or APP adapted to the user's related needs of the terminal used by the user. The application refers to a program corresponding to the first server 100, which provides a local service to a client. Here, the local service may include, but is not limited to: send information to the first server 100 and receive information sent by the first server 100, and so on. The first terminal 110 may include, but is not limited to, any smart operating system-based handheld electronic product that can interact with a user through input devices such as a keyboard, a virtual keyboard, a touch pad, a touch screen, and a voice-operated device, such as a smart phone, a tablet computer, a handheld computer, a wearable electronic device, and the like. The smart operating system includes, but is not limited to, any operating system that enriches device functionality by providing various applications to the device, such as Android, IOS, Windows, and MAC systems, among others.
The second server 120 may include, but is not limited to, a background server, a component server, a transfer processing server, etc., and a corresponding server-side program is required to be run on the server to provide corresponding transfer processing services, such as information database services, data calculation, decision execution, etc.
It should be noted that the system architecture of the online service processing method provided in the embodiment of the present application is not limited to the architecture shown in fig. 1, and is not limited herein.
Based on the system architecture of the online service processing method provided by the present solution shown in fig. 1, an online service processing method is provided below, and a flowchart of the method is shown in fig. 2. The method may comprise the steps of:
step 201: the first terminal sends a first service processing request carrying first data to the first server.
In a specific embodiment, a first application is installed on the first terminal, and an account of a certain user is logged in the first application. The user purchases a first business product via a first application. Specifically, the first application sends a first service processing request to the first server through the first terminal, where the first service processing request may carry information of the user, information of a first service product, and data information (i.e., the first data) for purchasing the first service product, where the information of the user may include information such as a user name and/or a user identity, and the information of the first service product may include a name of the first service product and/or a code of the first service product (where the code is a unique identification code of the first service product); the first business process request is for requesting purchase of a first business product.
For example, the first business product may be a financial product with a large transaction amount, the purchase amount of the first business product may be greater than or equal to a preset transaction amount, and the preset transaction amount may be 100 ten thousand yuan or any transaction amount greater than 100 ten thousand yuan, which is not limited herein. The first data may be a purchase amount, such as 100 ten thousand, 200 ten thousand, etc., for purchasing the first service product, and the first application may be a financial application.
Specifically, the first server may be a main server in the system of the online service processing method provided in the embodiment of the present application, and is used to coordinate management and respond to each operation in the online service processing process.
Step 202: the first server receives the first service processing request.
Step 203: and the first server generates order information according to the first service processing request.
And 204, the first server sends the order information and the information of the data transfer mode to the first terminal.
In a specific embodiment, after receiving a first service processing request for purchasing a first service product sent by a first terminal, a first server generates corresponding order information according to the first service processing request, where the order information may include an order number and an order state, the order state at this time is to-be-transferred, and the order state is used to record each state information from the first service product sending the first service processing request from the first terminal to the completion of data transfer. Each state information in the business product purchasing process is recorded through the order state, so that a user can know the purchasing progress conveniently and a server can check accounts conveniently in the later period.
Then, the first server sends the order information to the first terminal, and simultaneously sends information of data transfer modes which can be selected by the user to the first terminal, wherein the data transfer modes which can be selected by the user can comprise an offline data transfer mode and an online data transfer mode. Specifically, the offline data transfer mode may be a mode in which data transfer is completed through bank transfer, and the online data transfer mode may be a mode in which data transfer is completed through a third-party data transfer platform, for example, data transfer may be completed through the aforementioned money fund managed by the first application.
For example, the data transfer mode may be a payment mode, and then the offline data transfer mode and the online data transfer mode may respectively correspond to the offline payment mode and the online payment mode; the third party data transfer platform may be a third party payment platform and the data transfer may be an amount payment.
Step 205: and the first terminal receives the order information and the information of the data transfer mode.
Step 206: and the first terminal sends an offline data transfer request to the first server according to the information of the data transfer mode.
In a specific embodiment, after receiving the order information and the information of the data transfer manner, the first terminal may select an offline data transfer manner to transfer the first data of the first service product, and then send an offline data transfer request of the first service product to the first server, where specifically, the offline data transfer request carries the information of the first service product, description information of the offline data transfer, and the like.
For example, selecting the off-line data transfer manner to transfer the first data of the first service product may select an off-line payment manner to pay the purchase amount of the first service product.
Step 207: the first server receives the offline data transfer request.
Step 208: and the first server sends a withholding authorization acquisition request to the first terminal according to the offline data transfer request.
In a specific embodiment, the first server and the system server of the first bank may interactively communicate, for convenience of description, the system server of the first bank may be referred to as a second server, and in a case that the user selects offline data transfer to transfer the first data of the first service product, the first server may first obtain, from the user, a withholding authorization of a certain bank card of the first bank under the user name, and then interact with the second server to complete the data transfer operation of the first data of the first service product purchased by the user. The first bank is a bank capable of transferring money with a large amount (more than 100 ten thousand for example), namely the daily accumulated transfer limit of the first bank card is more than or equal to one hundred thousand yuan, such as a safe bank.
Specifically, the withholding authorization obtaining request is used for requesting to obtain the withholding authorization information of the user for a certain bank card of the first bank under the name of the user, and may also request to obtain information of the certain bank card, where the information of the certain bank card may include a user name, a bank card account number, a bound identity number, a bound mobile phone number, and the like. The deduction authorization acquisition request may carry a deduction authorization protocol for explaining the responsibilities and obligations of the authorizer, i.e., the user, and the authorized person, i.e., the bank, the authorization range and the authorization deadline, and the like, for example, the authorized deduction authorization range may be not greater than the size of the first data carried in the first service processing request.
Step 209: and the first terminal receives the withholding authorization acquisition request.
Step 210: and the first terminal sends the information of the first bank card and the withholding authorization information of the first bank card to a first server according to the withholding authorization acquisition request.
Specifically, after the first terminal acquires the withholding authorization acquisition request, the first terminal acquires information of the first bank card and withholding authorization information input by the user, and then sends the information of the first bank card and the withholding authorization information to the first server. Specifically, the first bank card is a bank card of the first bank under the user name.
Step 211: and the first server receives the information of the first bank card and the withholding authorization information of the first bank card.
Step 212: and the first server sends the information of the first bank card, the withholding authorization information of the first bank card, the first data information and the account information of the receiver to a second server.
Specifically, the receiving party is a seller of the first service product purchased by the user, for example, if the first service product is a private fund, the receiving party is a private fund-raising company that sells the private fund. The account information of the receiver is bank card information used by the private shares company for receiving first data of the first business product purchased by the user, and the bank card information includes information such as a bank card number, a user owner name, a bound identity card number, a bound mobile phone number and the like.
Step 213: and the second server receives the information of the first bank card, the withholding authorization information of the first bank card, the first data information and the account information of a receiver.
Step 214: and the second server completes data transfer operation according to the information of the first bank card, the withholding authorization information of the first bank card, the first data information and the account information of the receiver.
Step 215: and the second server sends the credential information of successful data transfer to the first server.
Specifically, the second service transfers the first data in the first bank card to the bank card account of the receiver according to the information of the first bank card, the withholding authorization information of the first bank card, the first data information and the account information of the receiver, generates credential information with successful data transfer after the first data transfer is completed, and sends the credential information to the first server. According to the embodiment of the application, the transfer operation of the first data of the first service product is completed through interaction with the background server of the bank, so that the processing efficiency of the whole online service is further improved.
Step 216: and the first server receives the credential information of the successful data transfer.
Step 217: and the first server sends information of data transfer completion to the first terminal according to the credential information of the data transfer success.
In a specific embodiment, the first server may send information that data transfer is completed to the first terminal, and may modify the order status to a status that data transfer is completed. For example, the state of the completed data transfer may be a state of completed payment.
When the user selects the off-line data transfer mode to transfer the data information of the purchase business product, the data is transferred from the bank card by acquiring the bank card of the user instead of the authorization information and replacing the user with the bank card, so that the complicated procedure of handling data transfer from the user to a bank counter is avoided, and the processing efficiency of the whole on-line business is improved; meanwhile, each step of operation is completed under the coordination of the response of the first server, the first server has records in each step of operation, and the first server can correspondingly and timely change the transaction state of the order without manual intervention, so that the error probability is reduced, and the efficiency of online service processing is further improved.
In one possible implementation, in step 205: after the first terminal receives the order information and the information of the data transfer mode, if the first terminal selects the mode of the online data transfer to transfer the first data, the first terminal sends an online data transfer request to a first server according to the information of the data transfer mode.
Specifically, the user may transfer the first data for purchasing the first service product by selecting an online data transfer mode through the first terminal, where the online data transfer may be data transfer of the first data through a money fund managed in the first application. In a specific embodiment, after receiving the online data transfer request sent by the first terminal, the first server sends data transfer entry information of the money fund to the first terminal, and the first terminal receives the data transfer entry information and confirms data transfer according to the data transfer entry information, thereby completing the data transfer operation of the first data. Specifically, the money fund may be a fund from the first application, the fund being flexibly accessible, and an amount of money in the money fund being greater than or equal to the amount of money requested to be purchased. The money fund can be subjected to large amount data transfer, for example, the data transfer limit of the money fund is larger than or equal to one hundred thousand yuan, so that the money fund is particularly suitable for data transfer of large amount transactions, for example, the data transfer of purchase transactions for buying 100 ten thousand private fund and the like. Illustratively, the data transfer entry for the monetary fund may be a payment entry for the monetary fund.
In the embodiment of the application, the user can transfer the data information of the purchased business product in an on-line data transfer mode, and the on-line data transfer is completed through the money fund inlet, so that the data transfer operation corresponding to the business product is completed at one time, and the processing efficiency of the whole on-line business is improved.
In one possible implementation, in step 206: after the first terminal sends the offline data transfer request to the first server according to the information of the data transfer mode, the first server can send the bank card information of the receiver to the first terminal according to the offline data transfer request, the first terminal receives the bank card information of the receiver and displays the bank card information on a user interface to inform a user, and the user finishes data transfer operation to a bank counter according to the bank card information of the receiver. After the receiving party, namely the system of the private share-adding company, confirms that the data transferred by the user are received, the receiving party sends confirmation information that the data transfer of the user is completed to the first server, and the first server sends the information that the data transfer is completed to the first terminal after receiving the confirmation information.
In one possible implementation manner, the system of the private equity offering company generates a reconciliation file according to each order of the first service in a preset time period, and then sends the reconciliation files to the first server for auditing the reconciliation. Specifically, the reconciliation files include a reconciliation file of an order for online data transfer and a reconciliation file of an order for offline data transfer. According to the embodiment of the application, the account checking is performed automatically through the server, manual intervention is not needed, the error making efficiency is reduced, and meanwhile the account checking processing efficiency is also improved. Specifically, the aforementioned private investment company may be referred to as a principal of the first service.
In one possible embodiment, referring to FIG. 3, FIG. 3 is a flow diagram illustrating the flow of a purchase-file and a redemption-file of a first business product. Fig. 3 includes a first server, a gateway, a background management device, a network storage, and a service leader server, where the first server includes a standard processing unit and a message middleware, and the service leader server includes a file security transmission unit and a processing unit. The first server may be the server described in the embodiment of the method in fig. 2, and the service leader server may be the management server of the private equity offering company. The solid arrows in FIG. 3 represent the flow of the purchase document of the first business product and the dashed arrows represent the flow of the redemption document of the first business product.
In particular, the messaging middleware may be an activeMQ, which is an intermediary through which applications pass messages in a distributed system. The Network Storage may be a Network Attached Storage (NAS) disk, which implements data transmission based on a standard Network protocol and provides file sharing and data backup for computers of various operating systems such as Windows/Linux/Mac in a Network. The File security Transfer unit may be a secure File Transfer Protocol (SSH File Transfer Protocol, sftp) -based Transfer unit, and may provide a secure network encryption method for transferring files.
Specifically, the gateway has opened firewalls of the first server and the service leader server, that is, the two servers can communicate with each other, and in addition, the gateway also performs security policy deployment to ensure the secure communication between the two servers. The gateway is also provided with third-party monitoring software for monitoring whether the file message of the current day is sent or not, or monitoring whether the message middleware has a data message or not, if the data message is found to be abnormal, the data message is sent to related personnel according to a pre-configured mail receiver, according to different services, some of the data message can automatically trigger compensation operation, and some of the related personnel can carry out manual compensation operation on background management equipment.
In a specific embodiment, the purchase file of the first service product is parsed by the standard processing unit to form a text file in a standard format, and a file message is generated at the same time, wherein the file message includes content information in the purchase file. And the first server stores the text file formed after analysis into a network memory, and simultaneously sends the generated file message to a message middleware for caching. After monitoring the file message in the message middleware, the gateway acquires the file message from the message middleware, and stores the file message in a network memory while forwarding the file message to the service master server. The file security transmission unit in the service leader server receives the file message sent by the gateway and stores the file message, and the processing unit of the service leader server can download the file message from the file security transmission unit and analyze the file message to obtain the information included in the file message. So far, the whole process trend of purchasing the file of the first business product is completed.
It should be noted that the purchase file may include a plurality of purchase orders, for example, the purchase order may include order information of a day of the day, so that it is avoided that a message is sent to the server of the service leader every time an order is generated, and the orders are sent in a package manner, thereby reducing processing load of the servers of both parties.
In a specific embodiment, when the first business product is due and needs to be redeemed, the processing unit of the business leader server parses the redeemed file into a file message and sends the file message to the file secure transmission unit, the file secure transmission unit stores the file message, the gateway monitors the file message in the file secure transmission unit and downloads the file message from the file secure transmission unit and stores the file message in the network storage, then the gateway forwards the file message to the first server, the message middleware in the first server receives and caches the file message, and the standard processing unit monitors the file message and downloads the file message from the message middleware and parses the file message into a standard text file for subsequent processing. The flow of the entire redemption document for the first business product is complete.
In a specific embodiment, when a related worker of the background management device receives an abnormal mail sent by the third-party monitoring software, for example, a mail sent by the third-party monitoring software and not receiving a file message of the current day, the related worker may send a purchase file of the current day to the standard processing unit of the first server through the background management device, so that the process operation of sending the information in the purchase file to the leading-party server can be continued.
Specifically, the background management device may further read data in the network memory through a data mining tool Rapid Miner to perform corresponding data mining, so that an online operator may accurately push a product to a high-net-value user through the background management device, and specifically, the background management device stores a lot of data information such as financing, insurance, public recruitment, and the like.
To sum up, the embodiment of the application acquires the withholding authorization information of the bank card of the user, completes the corresponding data transfer operation of purchasing the business product by the user through interaction with the bank system server, and also can complete the corresponding data transfer operation of purchasing the business product by the user through the money fund, thereby avoiding the tedious procedure of handling the data transfer from the user to the bank counter, improving the processing efficiency of the whole online business, meanwhile, because each step of operation is completed under the response coordination of the first server, each step of operation has a record on the first server, the first server can correspondingly and timely change the transaction state of the order, does not need manual intervention, thereby reducing the probability of errors, and further improving the efficiency of online business processing.
In order to better implement the above solution of the present application, an embodiment of the present application further provides an online service processing server, which is described in detail below with reference to fig. 4:
fig. 4 is a schematic structural diagram of an online service processing server 400, where the online service processing server 400 includes: a first receiving unit 401, a first transmitting unit 402 and a processing unit 403, wherein:
a first sending unit 402, configured to send information of a data transfer manner to a first terminal according to a first service processing request carrying first data when the first service processing request sent by the first terminal is received, where the data transfer manner includes online data transfer and offline data transfer, and the first service processing request is used to request to purchase a first service product;
a first receiving unit 401, configured to receive an offline data transfer request fed back by the first terminal based on the information of the data transfer manner, when the first terminal selects the offline data transfer manner based on the information of the data transfer manner;
a first sending unit 402, configured to send a first obtaining request to the first terminal according to the offline data transfer request, where the first obtaining request is used to request to obtain withholding authorization information of a first bank card, and the first bank card is a bank card of a first bank under a user name of the first terminal;
a processing unit 403, configured to process a deduction replacement operation of the first service processing request according to the deduction replacement authorization information and the first data.
In one possible implementation, the processing unit 403 includes a second sending unit and a second receiving unit,
the second sending unit is configured to send the withholding authorization information of the first bank card, the first data, and account information of the receiver to a second server, where the second server is a background server of the first bank, and the account information of the receiver is account information of a bank card that receives the first data;
the second receiving unit is configured to receive credential information, which is sent by the second server and used for successfully transferring the first data, where the credential information that is successfully transferred is credential information generated by the second server after transferring the first data in the first bank card to an account of the receiver according to the withholding authorization information of the first bank card, the first data, and the account information of the receiver.
In one possible implementation manner, the first service processing request is a request sent by the first terminal to the first server through a first application, and the first sending unit 402, configured to send information of a data transfer manner to the first terminal according to the first service processing request, further includes:
a first receiving unit 401, configured to receive an online data transfer request fed back by the first terminal based on the information of the data transfer manner, when the first terminal selects the online data transfer manner based on the information of the data transfer manner;
a first sending unit 402, further configured to send data transfer entry information of a money fund to the first terminal according to the online data transfer request, where the money fund is a fund managed by the first application;
the first receiving unit 401 is further configured to receive data transfer credential information sent by the first terminal, where the data transfer credential information is credential information generated after the first terminal completes data transfer of the first data according to the data transfer entry information of the money fund.
In one possible implementation manner, the online service processing server 400 further includes a generating unit, configured to, after the first receiving unit 401 receives a first service processing request carrying first data sent by the first terminal, and before the first sending unit 402 sends information of a data transfer manner to the first terminal according to the first service processing request,
and generating order information according to the first service processing request, wherein the order information comprises an order number and an order state, and the order state is used for recording each state information from the first service sending the first service processing request from the first terminal to the completion of the transfer of the first data.
In one possible implementation manner, the first receiving unit 401 is further configured to receive a reconciliation file sent by a master of the first service, where the reconciliation file is an account file of online data transfer and offline data transfer related to the first service product within a preset time period, and the reconciliation file is used to assist the first server in auditing the reconciliation
The specific implementation and beneficial effects of each unit in the online service processing server 400 shown in fig. 4 may correspond to the corresponding descriptions in the method embodiment and possible implementations shown in fig. 2, and are not described again here.
Referring to fig. 5, fig. 5 is a server 500 according to an embodiment of the present application, where the server 500 includes a processor 501, a memory 502, and a communication interface 503, and the processor 501, the memory 502, and the communication interface 503 are connected to each other through a bus 504.
The memory 502 includes, but is not limited to, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), or a portable read-only memory (CD-ROM), and the memory 502 is used for storing related instructions and data. The communication interface 503 is used to receive and transmit data.
The processor 501 may be one or more Central Processing Units (CPUs), and in the case that the processor 501 is one CPU, the CPU may be a single-core CPU or a multi-core CPU.
The processor 501 in the device 500 is configured to read the program code stored in the memory 502 and perform the following operations:
when receiving a first service processing request carrying first data sent by a first terminal through a communication interface 503, a processor 501 sends information of a data transfer mode to the first terminal according to the first service processing request, where the data transfer mode includes online data transfer and offline data transfer, and the first service processing request is used to request purchase of a first service product;
in the case that the first terminal selects an offline data transfer mode based on the information of the data transfer mode, the processor 501 receives an offline data transfer request fed back by the first terminal based on the information of the data transfer mode through the communication interface 503;
the processor 501 sends a first acquisition request to the first terminal according to the offline data transfer request, where the first acquisition request is used to request to acquire withholding authorization information of a first bank card, and the first bank card is a bank card of a first bank under a user name for logging in the first terminal;
the processor 501 processes the deduction operation of the first service processing request according to the deduction authorization information and the first data.
In one possible implementation manner, the processor 501 processes the deduction operation of the first service processing request according to the deduction authorization information and the first data, including:
the processor 501 sends the withholding authorization information of the first bank card, the first data and the account information of the receiver to a second server through a communication interface 503, where the second server is a background server of the first bank, and the account information of the receiver is the account information of the bank card receiving the first data;
the processor 501 receives credential information, which is sent by the second server and is obtained by successfully transferring the first data, through the communication interface 503, where the credential information is credential information generated by the second server after transferring the first data in the first bank card to the account of the receiver according to the withholding authorization information of the first bank card, the first data, and the account information of the receiver.
In one possible implementation, the first service processing request is a request sent by the first terminal to the first server through the first application, and after the processor 501 sends information of a data transfer mode to the first terminal according to the first service processing request, the method further includes:
in the case that the first terminal selects the on-line data transfer mode based on the information of the data transfer mode, the processor 501 receives an on-line data transfer request fed back by the first terminal based on the information of the data transfer mode through the communication interface 503;
the processor 501 sends data transfer entry information of a money fund, which is a fund managed by the first application, to the first terminal according to the online data transfer request;
the processor 501 receives data transfer credential information sent by the first terminal through the communication interface 503, where the data transfer credential information is credential information generated after the first terminal completes data transfer of the first data according to the data transfer entry information of the money fund.
In one possible implementation manner, after the processor 501 receives, through the communication interface 503, a first service processing request which is sent by a first terminal and carries first data, and before the processor 501 sends, according to the first service processing request, information of a data transfer manner to the first terminal through the communication interface 503, the method further includes:
the processor 501 generates order information according to the first service processing request, where the order information includes an order number and an order status, and the order status is used to record each status information from the first service sending the first service processing request from the first terminal to the completion of the transfer of the first data.
In one possible implementation, the processor 501 receives, through the communication interface 503, a reconciliation file sent by a master of the first business, where the reconciliation file is an account file of online data transfer and offline data transfer related to the first business product in a preset time period, and the reconciliation file is used to assist the first server in auditing reconciliation.
It should be noted that the implementation of each operation described above may also correspond to the corresponding description in the method embodiment and its possible implementation shown in fig. 2, and is not described herein again.
An embodiment of the present invention further provides a computer-readable storage medium, which stores a computer program, where the computer program includes program instructions, and when the program instructions are executed by a processor, the method in the method flow shown in fig. 2 or the possible embodiment thereof is implemented.
To sum up, the embodiment of the application acquires the withholding authorization information of the bank card of the user, completes the corresponding data transfer operation of purchasing the business product by the user through interaction with the bank system server, and also can complete the corresponding data transfer operation of purchasing the business product by the user through the money fund, thereby avoiding the tedious procedure of handling the data transfer from the user to the bank counter, improving the processing efficiency of the whole online business, meanwhile, because each step of operation is completed under the response coordination of the first server, each step of operation has a record on the first server, the first server can correspondingly and timely change the transaction state of the order, does not need manual intervention, thereby reducing the probability of errors, and further improving the efficiency of online business processing.
One of ordinary skill in the art will appreciate that all or part of the processes in the methods of the above embodiments may be implemented by hardware related to instructions of a computer program, which may be stored in a computer-readable storage medium, and when executed, may include the processes of the above method embodiments.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; those of ordinary skill in the art will understand that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.
Claims (10)
1. An online service processing method, comprising:
when receiving a first service processing request which is sent by a first terminal and carries first data, a first server sends information of a data transfer mode to the first terminal according to the first service processing request, wherein the data transfer mode comprises online data transfer and offline data transfer, and the first service processing request is used for requesting to purchase a first service product;
the first server receives an offline data transfer request fed back by the first terminal based on the information of the data transfer mode under the condition that the first terminal selects the offline data transfer mode based on the information of the data transfer mode;
the first server sends a first acquisition request to the first terminal according to the offline data transfer request, wherein the first acquisition request is used for requesting to acquire withholding authorization information of a first bank card, and the first bank card is a bank card of a first bank under a user name for logging in the first terminal;
and the first server processes the withholding operation of the first service processing request according to the withholding authorization information and the first data.
2. The method of claim 1, wherein the processing, by the first server, the withholding operation of the first service processing request according to the withholding authorization information and the first data comprises:
the first server sends withholding authorization information of the first bank card, the first data and account information of a receiver to a second server, the second server is a background server of the first bank, and the account information of the receiver is the account information of the bank card receiving the first data;
the first server receives credential information, sent by the second server, of the successful transfer of the first data, where the credential information of the successful transfer of the first data is credential information generated by the second server after the first data in the first bank card is transferred to an account of the receiver according to withholding authorization information of the first bank card, the first data and account information of the receiver.
3. The method of claim 1, wherein the first service processing request is a request sent by the first terminal to the first server through a first application, and after sending information of a data transfer mode to the first terminal according to the first service processing request, the method further comprises:
the method comprises the steps that when the first terminal selects an online data transfer mode based on information of the data transfer mode, the first server receives an online data transfer request fed back by the first terminal based on the information of the data transfer mode;
the first server sends data transfer entry information of a money fund to the first terminal according to the online data transfer request, wherein the money fund is a fund managed by the first application;
and the first server receives data transfer voucher information sent by the first terminal, wherein the data transfer voucher information is voucher information generated after the first terminal completes data transfer of the first data according to the data transfer entry information of the money fund.
4. The method according to any one of claims 1 to 3, wherein after receiving a first service processing request carrying first data sent by a first terminal, and before sending information of a data transfer mode to the first terminal according to the first service processing request, the first server further includes:
the first server generates order information according to the first service processing request, wherein the order information comprises an order number and an order state, and the order state is used for recording each state information from the first service sending the first service processing request from the first terminal to the first data transfer.
5. The method of claim 4, wherein the first server receives a reconciliation file sent by a master of the first business, the reconciliation file is an account file of online data transfer and offline data transfer related to the first business product within a preset time period, and the reconciliation file is used for assisting the first server in auditing reconciliation.
6. An online transaction processing server, comprising:
a first sending unit, configured to send, when receiving a first service processing request carrying first data sent by a first terminal, information of a data transfer manner to the first terminal according to the first service processing request, where the data transfer manner includes online data transfer and offline data transfer, and the first service processing request is used to request purchase of a first service product;
a first receiving unit, configured to receive an offline data transfer request fed back by the first terminal based on information of the data transfer manner, when the first terminal selects the offline data transfer manner based on the information of the data transfer manner;
the first sending unit is further configured to send a first obtaining request to the first terminal according to the offline data transfer request, where the first obtaining request is used to request to obtain withholding authorization information of a first bank card, and the first bank card is a bank card of a first bank under a user name of the first terminal;
and the processing unit is used for processing the withholding operation of the first service processing request according to the withholding authorization information and the first data.
7. The server according to claim 6, wherein the processing unit comprises a second sending unit and a second receiving unit,
the second sending unit is configured to send the withholding authorization information of the first bank card, the first data, and account information of the receiver to a second server, where the second server is a background server of the first bank, and the account information of the receiver is account information of a bank card that receives the first data;
the second receiving unit is configured to receive credential information, which is sent by the second server and used for successfully transferring the first data, where the credential information that is successfully transferred is credential information generated by the second server after transferring the first data in the first bank card to an account of the receiver according to the withholding authorization information of the first bank card, the first data, and the account information of the receiver.
8. The server according to claim 6, wherein the first service processing request is a request sent by the first terminal to the first server through a first application, and the first sending unit, after sending information of a data transfer mode to the first terminal according to the first service processing request, further includes:
the first receiving unit is further configured to receive an online data transfer request fed back by the first terminal based on the information of the data transfer mode, when the first terminal selects the online data transfer mode based on the information of the data transfer mode;
the first sending unit is further configured to send data transfer entry information of a money fund to the first terminal according to the online data transfer request, where the money fund is a fund managed by the first application;
the first receiving unit is further configured to receive data transfer credential information sent by the first terminal, where the data transfer credential information is credential information generated after the first terminal completes data transfer of the first data according to the data transfer entry information of the money fund.
9. The server according to any one of claims 6 to 8, further comprising a generating unit, configured to, after the first receiving unit receives a first service processing request carrying first data sent by a first terminal, before the first sending unit sends information of a data transfer mode to the first terminal according to the first service processing request,
and generating order information according to the first service processing request, wherein the order information comprises an order number and an order state, and the order state is used for recording each state information from the first service sending the first service processing request from the first terminal to the completion of the transfer of the first data.
10. The server of claim 9, wherein the first receiving unit is further configured to receive a reconciliation file sent by a master of the first service, where the reconciliation file is an account file of online data transfer and offline data transfer related to the first service product in a preset time period, and the reconciliation file is used to assist the first server in auditing reconciliation.
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