CN110705981B - Real-time settlement method and device - Google Patents
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Abstract
The invention discloses a method and a device for real-time settlement, and relates to the technical field of computers. One embodiment of the method comprises the following steps: determining the type of the transaction as a forward transaction or a reverse transaction; if the transaction is a forward transaction, judging whether the transaction state of the transaction is normal, if so, settling in real time according to the transaction, and if not, writing the abnormal data of the transaction into an abnormal table; and if the transaction is reverse transaction, writing reverse data of the transaction into a reverse table. This embodiment can solve the problem of the longer settlement period.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a device for real-time settlement.
Background
Along with the increasing growth of Internet user groups, internet payment business is increased, various payment modes are continuously gushed out, such as two-dimensional code payment and the like, and corresponding settlement systems of various payments are also more and more huge, so that the time for settling money for merchants of each payment company or bank is correspondingly delayed.
The existing methods for payment by third parties and settlement by banks of various large Internet mainly comprise the following two methods:
the method comprises the following steps: most of the methods mainly adopt T+1 days (T refers to working days, namely, all legal holidays are excluded), all transactions on the T days are settled according to settlement files provided by channels, corresponding settlement bills and payment bills are generated according to settlement details, and then payment is paid to merchants, which is the most mainstream method at present.
The second method is as follows: the business of a small part of institutions can settle funds for merchants in a way of round robin, monthly or even yearly.
In the process of implementing the present invention, the inventor finds that at least the following problems exist in the prior art:
the two methods can solve the problem of fund torsion of most merchants, but still have the problems of long fund in-place time and incapability of meeting the settlement requirements of all merchants.
Disclosure of Invention
In view of the above, the embodiments of the present invention provide a method and apparatus for real-time settlement, which can solve the problem of longer settlement period.
To achieve the above object, according to one aspect of the embodiments of the present invention, there is provided a method of real-time settlement, including:
determining the type of the transaction as a forward transaction or a reverse transaction;
if the transaction is a forward transaction, judging whether the transaction state of the transaction is normal, if so, settling in real time according to the transaction, and if not, writing the abnormal data of the transaction into an abnormal table;
and if the transaction is reverse transaction, writing reverse data of the transaction into a reverse table.
Optionally, performing real-time settlement according to the transaction, including:
acquiring a payment result corresponding to the transaction through a query interface, and judging whether the payment result is consistent with a payment result displayed on an online page;
if yes, carrying out real-time settlement according to the payment result of the transaction; if not, writing the abnormal data of the transaction into an abnormal table.
Optionally, performing real-time settlement according to the payment result of the transaction, including:
judging whether refund transaction is to be deducted or not in the refund list;
if yes, deducting according to refund transaction and payment result of the transaction, and then settling in real time;
if not, carrying out real-time settlement according to the payment result of the transaction.
Optionally, the method further comprises:
and asynchronously processing the abnormal data in the abnormal table and the reverse data in the reverse table.
Optionally, asynchronously processing the exception data in the exception table includes:
acquiring a reconciliation file through a query interface, comparing the abnormal data in the abnormal table with the data in the reconciliation file, and refunding or supplementing a bill according to the comparison result;
and/or the number of the groups of groups,
asynchronously processing the reverse data in the reverse table, comprising:
and obtaining a reconciliation file through a query interface, comparing the reverse data in the reverse table with the data in the reconciliation file, and writing the reverse data into a refund list according to the comparison result.
In addition, according to another aspect of the embodiment of the present invention, there is provided an apparatus for real-time settlement, including:
the judging module is used for determining the type of the transaction as forward transaction or reverse transaction;
the settlement module is used for judging whether the transaction state of the transaction is normal or not if the transaction is a forward transaction, if so, performing real-time settlement according to the transaction, and if not, writing the abnormal data of the transaction into an abnormal table; and if the transaction is reverse transaction, writing reverse data of the transaction into a reverse table.
Optionally, performing real-time settlement according to the transaction, including:
acquiring a payment result corresponding to the transaction through a query interface, and judging whether the payment result is consistent with a payment result displayed on an online page;
if yes, carrying out real-time settlement according to the payment result of the transaction; if not, writing the abnormal data of the transaction into an abnormal table.
Optionally, performing real-time settlement according to the payment result of the transaction, including:
judging whether refund transaction is to be deducted or not in the refund list;
if yes, deducting according to refund transaction and payment result of the transaction, and then settling in real time;
if not, carrying out real-time settlement according to the payment result of the transaction.
Optionally, the method further comprises:
and the asynchronous processing module is used for asynchronously processing the abnormal data in the abnormal table and the reverse data in the reverse table.
Optionally, asynchronously processing the exception data in the exception table includes:
acquiring a reconciliation file through a query interface, comparing the abnormal data in the abnormal table with the data in the reconciliation file, and refunding or supplementing a bill according to the comparison result;
and/or the number of the groups of groups,
asynchronously processing the reverse data in the reverse table, comprising:
and obtaining a reconciliation file through a query interface, comparing the reverse data in the reverse table with the data in the reconciliation file, and writing the reverse data into a refund list according to the comparison result.
According to another aspect of an embodiment of the present invention, there is also provided an electronic device including:
one or more processors;
storage means for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the methods of any of the embodiments described above.
According to another aspect of an embodiment of the present invention, there is also provided a computer readable medium having stored thereon a computer program which, when executed by a processor, implements the method according to any of the embodiments described above.
One embodiment of the above invention has the following advantages or benefits: because the technical means of carrying out real-time settlement on the forward transaction and carrying out asynchronous processing on the abnormal transaction and the reverse transaction is adopted, the technical problem of long settlement period is solved; the invention settles forward transaction in real time and asynchronously processes abnormal transaction and reverse transaction, thereby achieving the purpose of settling the funds of the merchant in real time on the same day and meeting the fund settlement time requirements of all merchants. The embodiment of the invention solves the problems that the settlement time of the payment company and the institution at present cannot meet all merchants, and the funds of the merchants are possibly difficult to operate and the like; the technical effect that most of daily funds of a merchant can be settled to an account of the merchant in real time is achieved, operation difficulties caused by the problems of funds interruption and the like are avoided, and the viscosity of the merchant is greatly improved; the method can also cope with scenes with large Internet request quantity, and can keep better processing performance and calculation efficiency.
Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the main flow of a method of real-time settlement according to an embodiment of the invention;
FIG. 2 is a schematic flow interaction diagram according to an embodiment of the invention;
FIG. 3 is a schematic diagram of the main flow of a method of real-time settlement according to one referenceable embodiment of the invention;
fig. 4 is a schematic diagram of main modules of an apparatus for real-time settlement according to an embodiment of the present invention;
FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;
fig. 6 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
For the prior art scheme, the requirements of all people cannot be met whether T+1 day settlement or later longer period settlement is carried out, particularly, a plurality of small merchants are low in funds, the turnover is inflexible, the merchants cannot directly conduct normal business, the problem is particularly pointed out in a plurality of promotion periods, the transaction amount of a certain day in the period is the vast majority of funds of the merchants, and if the transaction amount cannot be returned in time, the later operation is possibly paralyzed. And the longer settlement period may be unfavorable for the improvement of the merchant residence rate, and finally the merchant is lost.
The real-time settlement method provided by the embodiment of the invention can solve the problems of merchant funds breakage and merchant loss caused by the problem of longer settlement period, achieves the technical effect that most of the merchant funds can be settled to the account of the merchant in real time every day, avoids operation difficulties caused by the problems of funds interruption and the like, and greatly improves the viscosity of the merchant.
Fig. 1 is a schematic diagram of the main flow of a method of real-time settlement according to an embodiment of the present invention. As shown in fig. 1, as an embodiment of the present invention, the method for real-time settlement may include:
step 101, determining the type of transaction as a forward transaction or a reverse transaction.
As shown in fig. 2, the forward transaction (i.e., the data of successful normal transaction) occupies more than 95% of the daily transaction amount, and such transaction normally goes through steps (1) - (4) in fig. 2, and returns a prompt of successful payment from the user. Reverse transactions are commonly referred to as refunds, which are initiated for forward transactions that were originally successful, such as users initiating refunds on pages, which are reverse transactions.
Therefore, after the transaction is finished, the type of the transaction can be judged to be forward transaction or reverse transaction through the step 101, so that different operations can be executed for different types of transactions in the subsequent step, and the forward transaction can be ensured to realize real-time settlement.
102, if the transaction is a forward transaction, judging whether the transaction state of the transaction is normal, if so, settling in real time according to the transaction, and if not, writing the abnormal data of the transaction into an abnormal table; and if the transaction is reverse transaction, writing reverse data of the transaction into a reverse table.
In this step, by judging the transaction as a forward transaction or a reverse transaction, different operations are performed respectively: if the transaction is a forward transaction, judging whether the transaction state of the transaction is normal, if so, settling in real time according to the transaction, and if not, writing the abnormal data of the transaction into an abnormal table; and if the transaction is a reverse transaction, writing reverse data of the transaction into a reverse table.
For forward transaction, whether the transaction state of the transaction is normal is judged firstly, and if the transaction state is normal, real-time settlement is directly carried out for the corresponding merchant; if the transaction state is abnormal, the abnormal data of the transaction is directly written into an abnormal table to be asynchronously processed. The abnormal data comprise information such as transaction time, transaction amount, order number, user identification, transaction state, transaction type and the like. In step (3) and step (4) in fig. 2, abnormal conditions such as timeout, network interruption, etc. are occurred, and the prompt of the transaction to the user is that the transaction is not completed, but the money may be deducted, so that the processing mode is that the abnormal data is written into an abnormal table first, and then error processing is performed uniformly.
For reverse transactions, the transaction is initiated for the original successful forward transaction, if the original transaction data is already settled to the merchant in real time, the payment mechanism or the bank may be damaged at this time, and the data can be returned in real time because the result is not real-time, so that the reverse data of the transaction is written into a reverse table to be asynchronously processed. The reverse data comprises information such as transaction time, transaction amount, order number, user identification, transaction state, transaction type and the like.
In one embodiment of the invention, real-time settlement is performed based on the transaction, comprising: acquiring a payment result corresponding to the transaction through a query interface, and judging whether the payment result is consistent with a payment result displayed on an online page; if yes, carrying out real-time settlement according to the payment result of the transaction; if not, writing the abnormal data of the transaction into an abnormal table.
In this embodiment, if the transaction state of the transaction is confirmed to be normal, the payment result corresponding to the transaction is obtained through a query interface provided by a bank, whether the payment result is consistent with the payment result displayed on the online page is determined (i.e., step (5) in fig. 2), and if the payment result queried through the query interface is consistent with the payment result displayed on the online page, real-time settlement is directly performed for the corresponding merchant according to the transaction result. If the payment result inquired through the inquiry interface is inconsistent with the payment result displayed on the online page, the transaction abnormality is indicated, and the abnormal data of the transaction is written into an abnormality table to be asynchronously processed. The abnormal data comprise information such as transaction time, transaction amount, order number, user identification, transaction state, transaction type and the like.
In yet another embodiment of the present invention, real-time settlement is performed according to a payment result of the transaction, including: judging whether refund transaction is to be deducted or not in the refund list; if yes, deducting according to refund transaction and payment result of the transaction, and then settling in real time; if not, carrying out real-time settlement according to the payment result of the transaction.
In this embodiment, since the reverse transaction generates a refund list, before the transaction is settled in real time, whether the refund transaction is to be deducted is determined in the refund list, if the refund transaction is to be deducted in the refund list, the refund transaction is deducted from the payment result of the transaction, and if the refund transaction is left after the refund transaction is deducted, the real-time settlement is directly performed according to the remaining amount; if no refund transaction is to be deducted in the refund list, real-time settlement is directly carried out on the corresponding merchant according to the payment result of the transaction.
In yet another embodiment of the present invention, after step 102, the method may further include: and asynchronously processing the abnormal data in the abnormal table and the reverse data in the reverse table. Therefore, the embodiment of the invention settles each forward transaction in real time through the query interface and asynchronously processes the abnormal data and the reverse data, thereby achieving the purpose of settling the current day funds of the merchants in quasi-real time and meeting the fund settlement duration requirements of all merchants.
Optionally, asynchronously processing the exception data in the exception table includes: and acquiring a reconciliation file through the query interface, comparing the abnormal data in the abnormal table with the data in the reconciliation file, and refunding or supplementing the bill according to the comparison result.
Optionally, asynchronously processing the reverse data in the reverse table includes: and obtaining a reconciliation file through a query interface, comparing the reverse data in the reverse table with the data in the reconciliation file, and writing the reverse data into a refund list according to the comparison result.
For reverse transaction, the transaction is initiated aiming at the original successful forward transaction, if the original transaction data is settled to a merchant in real time, the loss of a payment mechanism or a bank can be caused at the moment, and the data is uniformly processed by writing refund data results into a refund list and deducting the settlement amount of the subsequent forward transaction after uniformly comparing T+1 days with a reconciliation file because the results are not returned in real time, and if the refund data is stored in the reconciliation file.
According to the various embodiments described above, it can be seen that the present invention solves the problem of the long settlement period by adopting a technical scheme of performing real-time settlement on the forward transaction and performing asynchronous processing on the abnormal transaction and the reverse transaction. That is, in the prior art, there is still a problem that funds are in place for a long time and the settlement requirements of all merchants cannot be satisfied. The invention settles forward transaction in real time, and asynchronously processes abnormal transaction and reverse transaction, thereby achieving the purpose of settling merchant funds on the same day in real time and meeting the requirements of all merchants on the settlement time of funds. The embodiment of the invention solves the problems that the settlement time of the payment company and the institution at present cannot meet all merchants, and the funds of the merchants are possibly difficult to operate and the like; the technical effect that most of daily funds of a merchant can be settled to an account of the merchant in real time is achieved, operation difficulties caused by the problems of funds interruption and the like are avoided, and the viscosity of the merchant is greatly improved; the method can also cope with scenes with large Internet request quantity, and can keep better processing performance and calculation efficiency.
Fig. 3 is a schematic diagram of the main flow of a method of real-time settlement according to one referenceable embodiment of the present invention, which may include:
and step 1, finishing online one transaction and starting real-time settlement.
And 2, judging the type of the transaction, if the transaction is a forward transaction, continuing the flow, and if the transaction is a reverse transaction, directly writing reverse data into a database reverse table.
Step 3, if the transaction is forward, judging the transaction state, and if the transaction state is normal, directly inquiring an inquiry interface provided by a channel; if the transaction state is abnormal, the abnormal data is directly written into the database abnormal table.
Step 4, judging whether the payment result obtained through the query interface is consistent with the payment result displayed on the online page, if so, judging whether the refund transaction of the current merchant is to be withheld in the refund list; if not, the abnormal data is directly written into the database abnormal table.
Step 5, judging that if the merchant does not have refund transaction to be deducted, directly settling the refund transaction to the merchant in real time; if the refund transaction is to be deducted, directly deducting, and if the remaining amount is left, directly settling in real time.
In step 2, after the reverse data is written into the reverse table of the database, checking is required according to the checking file provided by the subsequent channel, if the transaction exists in the checking file, the comparison result is written into the refund list for use in real-time settlement judgment of the main flow.
And 3, inserting data of the abnormal table in the step 4, comparing the reconciliation file according to the channel of the T+1 day, and if the transaction exists in the reconciliation file, carrying out subsequent refund or supplement to the order user.
In addition, in the embodiment of the present invention, the implementation of the method for real-time settlement in the above embodiment has been described in detail, and thus the description thereof will not be repeated here.
Fig. 4 is a schematic diagram of main modules of an apparatus for real-time settlement according to an embodiment of the present invention. As shown in fig. 4, the real-time settlement apparatus 400 includes a judgment module 401 and a settlement module 402. Wherein, the judging module 401 is configured to determine that the type of the transaction is a forward transaction or a reverse transaction; the settlement module 402 is configured to determine whether a transaction state of the transaction is normal if the transaction is a forward transaction, perform real-time settlement according to the transaction if the transaction is normal, and write abnormal data of the transaction into an abnormal table if the transaction is not normal; and if the transaction is reverse transaction, writing reverse data of the transaction into a reverse table.
Optionally, performing real-time settlement according to the transaction, including:
acquiring a payment result corresponding to the transaction through a query interface, and judging whether the payment result is consistent with a payment result displayed on an online page;
if yes, carrying out real-time settlement according to the payment result of the transaction; if not, writing the abnormal data of the transaction into an abnormal table.
Optionally, performing real-time settlement according to the payment result of the transaction, including:
judging whether refund transaction is to be deducted or not in the refund list;
if yes, deducting according to refund transaction and payment result of the transaction, and then settling in real time;
if not, carrying out real-time settlement according to the payment result of the transaction.
Optionally, the system further comprises an asynchronous processing module, wherein the asynchronous processing module is used for asynchronously processing the abnormal data in the abnormal table and the reverse data in the reverse table.
Optionally, asynchronously processing the exception data in the exception table includes:
acquiring a reconciliation file through a query interface, comparing the abnormal data in the abnormal table with the data in the reconciliation file, and refunding or supplementing a bill according to the comparison result;
and/or the number of the groups of groups,
asynchronously processing the reverse data in the reverse table, comprising:
and obtaining a reconciliation file through a query interface, comparing the reverse data in the reverse table with the data in the reconciliation file, and writing the reverse data into a refund list according to the comparison result.
According to the various embodiments described above, it can be seen that the present invention solves the problem of the long settlement period by adopting a technical scheme of performing real-time settlement on the forward transaction and performing asynchronous processing on the abnormal transaction and the reverse transaction. That is, in the prior art, there is still a problem that funds are in place for a long time and the settlement requirements of all merchants cannot be satisfied. The invention settles forward transaction in real time, and asynchronously processes abnormal transaction and reverse transaction, thereby achieving the purpose of settling merchant funds on the same day in real time and meeting the requirements of all merchants on the settlement time of funds. The embodiment of the invention solves the problems that the settlement time of the payment company and the institution at present cannot meet all merchants, and the funds of the merchants are possibly difficult to operate and the like; the technical effect that most of daily funds of a merchant can be settled to an account of the merchant in real time is achieved, operation difficulties caused by the problems of funds interruption and the like are avoided, and the viscosity of the merchant is greatly improved; the method can also cope with scenes with large Internet request quantity, and can keep better processing performance and calculation efficiency.
The details of the implementation of the real-time settlement apparatus according to the present invention are described in the above-described real-time settlement method, and thus the description thereof will not be repeated here.
Fig. 5 illustrates an exemplary system architecture 500 to which the method of real-time settlement or the method of real-time settlement of the embodiments of the present invention can be applied.
As shown in fig. 5, the system architecture 500 may include terminal devices 501, 502, 503, a network 504, and a server 505. The network 504 is used as a medium to provide communication links between the terminal devices 501, 502, 503 and the server 505. The network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.
A user may interact with the server 505 via the network 504 using the terminal devices 501, 502, 503 to receive or send messages or the like. Various communication client applications may be installed on the terminal devices 501, 502, 503, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 501, 502, 503 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.
The server 505 may be a server providing various services, such as a background management server (by way of example only) providing support for shopping-type websites browsed by users using the terminal devices 501, 502, 503. The background management server may analyze and process the received data such as the product information query request, and feedback the processing result (e.g., the target push information, the product information—only an example) to the terminal device.
It should be noted that, the method for real-time settlement provided by the embodiment of the present invention is generally performed in the server 505, and accordingly, the device for real-time settlement is generally disposed in the server 505. The method for real-time settlement provided by the embodiment of the invention can also be executed in the terminal devices 501, 502 and 503, and correspondingly, the device for real-time settlement is generally arranged on the terminal devices 501, 502 and 503.
It should be understood that the number of terminal devices, networks and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 6, there is illustrated a schematic diagram of a computer system 600 suitable for use in implementing an embodiment of the present invention. The terminal device shown in fig. 6 is only an example, and should not impose any limitation on the functions and the scope of use of the embodiment of the present invention.
As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other through a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, mouse, etc.; an output portion 607 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The drive 610 is also connected to the I/O interface 605 as needed. Removable media 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed as needed on drive 610 so that a computer program read therefrom is installed as needed into storage section 608.
In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 609, and/or installed from the removable medium 611. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 601.
The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor includes a judgment module, a settlement module, and an asynchronous processing module, where the names of these modules do not constitute a limitation on the module itself in some cases.
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: determining the type of the transaction as a forward transaction or a reverse transaction; if the transaction is a forward transaction, judging whether the transaction state of the transaction is normal, if so, settling in real time according to the transaction, and if not, writing the abnormal data of the transaction into an abnormal table; and if the transaction is reverse transaction, writing reverse data of the transaction into a reverse table.
According to the technical scheme provided by the embodiment of the invention, the technical means of carrying out real-time settlement on the forward transaction and asynchronous processing on the abnormal transaction and the reverse transaction are adopted, so that the technical problem of long settlement period is solved; the invention settles forward transaction in real time and asynchronously processes abnormal transaction and reverse transaction, thereby achieving the purpose of settling the funds of the merchant in real time on the same day and meeting the fund settlement time requirements of all merchants. The embodiment of the invention solves the problems that the settlement time of the payment company and the institution at present cannot meet all merchants, and the funds of the merchants are possibly difficult to operate and the like; the technical effect that most of daily funds of a merchant can be settled to an account of the merchant in real time is achieved, operation difficulties caused by the problems of funds interruption and the like are avoided, and the viscosity of the merchant is greatly improved; the method can also cope with scenes with large Internet request quantity, and can keep better processing performance and calculation efficiency.
The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.
Claims (8)
1. A method of real-time settlement, comprising:
determining the type of the transaction as a forward transaction or a reverse transaction;
if the transaction is a forward transaction, judging whether the transaction state of the transaction is normal, if so, settling in real time according to the transaction, and if not, writing the abnormal data of the transaction into an abnormal table;
if the transaction is reverse transaction, writing reverse data of the transaction into a reverse table;
asynchronous processing of the exception data in the exception table and the reverse data in the reverse table;
wherein asynchronously processing the exception data in the exception table comprises:
acquiring a reconciliation file through a query interface, comparing the abnormal data in the abnormal table with the data in the reconciliation file, and refunding or supplementing a bill according to the comparison result;
and/or the number of the groups of groups,
asynchronously processing the reverse data in the reverse table, comprising:
and obtaining a reconciliation file through a query interface, comparing the reverse data in the reverse table with the data in the reconciliation file, and writing the reverse data into a refund list according to the comparison result.
2. The method of claim 1, wherein settling in real time based on the transaction comprises:
acquiring a payment result corresponding to the transaction through a query interface, and judging whether the payment result is consistent with a payment result displayed on an online page;
if yes, carrying out real-time settlement according to the payment result of the transaction; if not, writing the abnormal data of the transaction into an abnormal table.
3. The method of claim 2, wherein settling the transaction in real time based on the payment result of the transaction comprises:
judging whether refund transaction is to be deducted or not in the refund list;
if yes, deducting according to refund transaction and payment result of the transaction, and then settling in real time;
if not, carrying out real-time settlement according to the payment result of the transaction.
4. A device for real-time settlement, comprising:
the judging module is used for determining the type of the transaction as forward transaction or reverse transaction;
the settlement module is used for judging whether the transaction state of the transaction is normal or not if the transaction is a forward transaction, if so, performing real-time settlement according to the transaction, and if not, writing the abnormal data of the transaction into an abnormal table; if the transaction is reverse transaction, writing reverse data of the transaction into a reverse table;
the asynchronous processing module is used for asynchronously processing the abnormal data in the abnormal table and the reverse data in the reverse table;
wherein asynchronously processing the exception data in the exception table comprises:
acquiring a reconciliation file through a query interface, comparing the abnormal data in the abnormal table with the data in the reconciliation file, and refunding or supplementing a bill according to the comparison result;
and/or the number of the groups of groups,
asynchronously processing the reverse data in the reverse table, comprising:
and obtaining a reconciliation file through a query interface, comparing the reverse data in the reverse table with the data in the reconciliation file, and writing the reverse data into a refund list according to the comparison result.
5. The apparatus of claim 4, wherein real-time settlement from the transaction comprises:
acquiring a payment result corresponding to the transaction through a query interface, and judging whether the payment result is consistent with a payment result displayed on an online page;
if yes, carrying out real-time settlement according to the payment result of the transaction; if not, writing the abnormal data of the transaction into an abnormal table.
6. The apparatus of claim 5, wherein real-time settlement based on payment results of the transaction comprises:
judging whether refund transaction is to be deducted or not in the refund list;
if yes, deducting according to refund transaction and payment result of the transaction, and then settling in real time;
if not, carrying out real-time settlement according to the payment result of the transaction.
7. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs,
when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-3.
8. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-3.
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| CN113779974A (en) * | 2020-06-11 | 2021-12-10 | 北京沃东天骏信息技术有限公司 | Target text generation method and device |
| CN111951009A (en) * | 2020-07-26 | 2020-11-17 | 中国建设银行股份有限公司 | Transaction data processing method and device, electronic equipment and computer-readable storage medium |
| CN113763141B (en) * | 2021-02-10 | 2024-07-16 | 北京沃东天骏信息技术有限公司 | Settlement method and device, electronic equipment and storage medium |
| CN115660659A (en) * | 2022-11-03 | 2023-01-31 | 五八畅生活(北京)信息技术有限公司 | Bill deduction method and device, electronic equipment and storage medium |
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