CN110807626A - Information processing method, device and system - Google Patents
Information processing method, device and system Download PDFInfo
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- CN110807626A CN110807626A CN201910941096.4A CN201910941096A CN110807626A CN 110807626 A CN110807626 A CN 110807626A CN 201910941096 A CN201910941096 A CN 201910941096A CN 110807626 A CN110807626 A CN 110807626A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
Abstract
The application provides an information processing method, device and system, wherein the method comprises the following steps: in the event that an account recharge request is received, obtaining money transfer records, any one of the money transfer records including at least: an identification of the money transfer recipient account indicated by the money transfer record, the account recharge request including at least: and the identifier of the account to be recharged and the amount of money to be recharged exist in the remittance record, and the target remittance record is the remittance record of which the identifier of the remittance receiver account is the same as the identifier of the account to be recharged. And updating the identification of the target remittance record, wherein the updated identification represents the responded account recharging request. By adopting the scheme provided by the application, the accuracy of recharging the account can be ensured.
Description
Technical Field
The present application relates to the field of electronic information, and in particular, to an information processing method, apparatus, and system.
Background
The third party payment company holding the license plate can provide the user with the function of payment on behalf of the user. The conditions for the third party payment company to provide the function of the surcharge include: the user has an account with the third party payment company and the balance in the account is not less than the amount of the required payment on behalf of the user. Thus, in the event that the balance in the account is less than the amount of the desired payment, the account is recharged.
Therefore, a scheme that a third party payment company accurately charges an account is urgently needed, that is, a scheme that the third party payment company can avoid repeatedly responding to the same account charging request in the process of charging the account is urgently needed.
Disclosure of Invention
The application provides an information processing method, device and system, and aims to provide a scheme for a third-party payment company to accurately recharge an account.
In order to achieve the above object, the present application provides the following technical solutions:
the application provides an information processing method, which comprises the following steps:
obtaining a remittance record under the condition of receiving an account recharging request; any of the money transfer records includes at least: an identification of the money transfer recipient account indicated by the money transfer record; the account recharge request includes at least: the identification of the account to be recharged and the amount of money to be recharged;
recharging the account indicated by the identifier of the account to be recharged with the amount to be recharged when a target money transfer record exists in the money transfer records and the identifier of the target money transfer record indicates that the account recharging request is not responded; the target remittance record is the remittance record with the same identifier of the remittance receiver account and the identifier of the account to be recharged;
updating the identification of the target money transfer record; and the updated identification representation responds to the account recharging request.
Optionally, the obtaining a money transfer record comprises:
under the condition that the account recharging request meets preset conditions, obtaining a remittance record; the preset conditions include: the identifier of the account to be recharged represents a preset service and/or is used for restricting the condition of the amount of money to be recharged.
Optionally, the preset condition further includes: and the identifier of the account to be recharged does not belong to a preset identifier.
Optionally, the method further includes:
and under the condition that an account recharging request is received and the account recharging request does not meet the preset condition, recharging the amount of money to be recharged for the account indicated by the identification of the account to be recharged.
Optionally, the method further includes:
in the event that a target money transfer record exists in the money transfer record and the identity of the target money transfer record indicates that the account recharge request has been responded to, outputting information indicating manual processing of the account recharge request.
The present application also provides an information processing apparatus including:
the obtaining module is used for obtaining a remittance record under the condition of receiving the account recharging request; any of the money transfer records includes at least: an identification of the money transfer recipient account indicated by the money transfer record; the account recharge request includes at least: the identification of the account to be recharged and the amount of money to be recharged;
the recharging module is used for recharging the amount of money to be recharged for the account indicated by the identifier of the account to be recharged under the condition that the remittance record has a target remittance record and the identifier of the target remittance record indicates that the account recharging request is not responded; the target remittance record is the remittance record with the same identifier of the remittance receiver account and the identifier of the account to be recharged;
an update module to update the identification of the target money transfer record; and the updated identification representation responds to the account recharging request.
Optionally, the obtaining module is configured to obtain a money transfer record, and includes:
the obtaining module is specifically used for obtaining a remittance record under the condition that the account recharging request meets a preset condition; the preset conditions include: the identifier of the account to be recharged represents a preset service and/or is used for restricting the condition of the amount of money to be recharged.
Optionally, the preset condition further includes: and the identifier of the account to be recharged does not belong to a preset identifier.
Optionally, the method further includes: and the execution module is used for recharging the account to be recharged indicated by the identifier of the account to be recharged under the condition that an account recharging request is received and the account recharging request does not meet the preset condition.
Optionally, the method further includes: and the output module is used for outputting information for instructing manual processing of the account recharging request under the condition that the target remittance record exists in the remittance records and the identifier of the target remittance record indicates that the account recharging request is responded.
The present application also provides an information processing system, including: intercepting means and accounting means;
the intercepting device is used for acquiring a remittance record under the condition of receiving an account recharging request; any of the money transfer records includes at least: an identification of the money transfer recipient account indicated by the money transfer record; sending the account recharge request to the accounting device if a target remittance record exists in the remittance record and the identification of the target remittance record indicates that the account recharge request has not been responded to; the target remittance record is the remittance record with the same identifier of the remittance receiver account and the identifier of the account to be recharged;
the accounting device is further used for recharging the amount of money to be recharged for the account indicated by the identification of the account to be recharged under the condition of receiving the account recharging request; updating the identification of the target money transfer record; and the updated identification representation responds to the account recharging request.
Optionally, the method further includes: the accounting prepositive device is used for sending the account recharging request to the intercepting device under the condition that the account recharging request meets the preset condition; the preset conditions include: the identifier of the account to be recharged represents a preset service and/or is used for restricting the condition of the amount of money to be recharged.
Optionally, the accounting front-end device is further configured to send the account recharging request to the accounting device when the account recharging request does not meet the preset condition.
Optionally, the intercepting device, configured to obtain the remittance record in a case where the account recharge request is received, includes:
the intercepting device is specifically used for acquiring a remittance record under the condition that the identifier of the account to be recharged does not belong to a preset identifier.
Optionally, the intercepting device is further configured to send the account recharging request to the accounting device when the identifier of the account to be recharged belongs to a preset identifier.
Optionally, the intercepting means is further configured to output information indicating that the account recharge request is manually processed if a target remittance record exists in the remittance records and the identifier of the target remittance record indicates that the account recharge request has been responded.
The information processing method, device and system provided by the application can obtain the remittance record under the condition of receiving the account recharging request. The account recharge request comprises: the identification of the account to be recharged and the amount of money to be recharged. Any money transfer record includes an identification of the money transfer recipient account indicated by the money transfer record. And in the case that the target remittance record exists in the remittance records and the identifier of the target remittance record represents that the account recharging request is not responded, recharging the account to be recharged with the money amount indicated by the identifier of the account to be recharged.
Under the condition that the identifier of the target remittance record indicates that the account recharging request is not responded, the account indicated by the identifier of the account to be recharged is recharged with the amount of money to be recharged, so that the account recharging request is not responded before the account to be recharged is recharged, that is, the account recharging request is not repeated until the account is responded.
After the account indicated by the identifier of the account to be recharged is recharged, the identifier of the target remittance record is updated, the updated identifier represents that the account recharging request is responded, the account recharging request cannot be responded subsequently, and further, the account recharging request cannot be responded repeatedly in the application. Therefore, the method and the device for recharging the account can ensure the accuracy of recharging the account.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart illustrating interaction among devices in an information processing system according to an embodiment of the present disclosure;
fig. 2 is a flowchart of an information processing method disclosed in an embodiment of the present application;
fig. 3 is a schematic structural diagram of an information processing apparatus according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Fig. 1 is an information processing system provided in an embodiment of the present application, including: the system comprises a payment center, an accounting preposition device, an interception device and an accounting device, wherein the accounting preposition device is respectively connected with the payment center, the interception device and the accounting device, and the interception device is connected with the accounting device.
Wherein, the mutual flow among payment center, leading device of account, intercepting device and account device includes:
s101, the payment center sends an account recharging request to the accounting preposition device.
In this step, after the user remits money to the payment center of the third party payment company through the bank counter or the internet bank, the payment center generates an account recharging request, wherein the account recharging request includes the identification of the account to be recharged and the amount of money to be recharged. The account to be recharged is an account registered by the user in the third-party payment company, specifically, the account to be recharged may be a virtual account, an account registered by the user information, and the like. Specifically, the identifier of the account to be recharged may be a card number of a virtual card registered by the user at a bank, a card number of a virtual card registered by the user at a third party payment company, or a specific value of a field agreed by the user and the third party payment company, where the field is a field remarked in the remittance record.
And S102, the accounting preposition device judges whether the account recharging request meets a preset condition, if so, S103 is executed, and if not, S113 is executed.
In this step, the preset conditions include: the identifier of the account to be recharged represents the preset service and/or is used for restricting the condition of the amount of money to be recharged. The preset service may be determined according to an actual situation, and the content of the preset service is not limited in this embodiment. The condition for restricting the amount to be recharged can be that the amount to be recharged is larger than a preset amount threshold value, or the amount to be recharged belongs to a preset amount range, and the like. Specifically, the specific values of the preset amount threshold and the preset amount range may be determined according to actual conditions, and this embodiment is not limited.
S103, sending the account recharging request to the intercepting device.
S104, the intercepting device judges whether the identification of the account to be recharged in the account recharging request belongs to a preset identification, if not, S105 is executed, and if yes, S107 is executed.
In practice it may be that the user has indeed remitted to the payment centre, but the remittance record has not yet been created for some reason, in which case the identity of the account of the user remittance to the payment centre is recorded in a white list, i.e. the identity in the white list is the preset identity.
In this step, if the identifier of the account to be recharged in the account recharging request belongs to the preset identifier, the representation does not need to perform S105 and S106 on the account recharging request, that is, the account indicated by the identifier of the account to be recharged directly needs to be recharged, and then S107 is directly performed.
S105, the intercepting device obtains the remittance record.
In this step, there may be a plurality of money transfer records in the money transfer record obtained by the intercepting device, wherein any one of the money transfer records includes at least: the money transfer record indicates an identification of the money transfer receiving account.
S106, the intercepting device determines whether the money transfer record has a target money transfer record and the identification of the target money transfer record indicates that the account recharge request has not been responded to, if so, S107 is executed, and if not, S112 is executed.
In this embodiment, the targeted money transfer record is a money transfer record having the same identification of the money transfer recipient's account as the identification of the account to be topped up. The identification of the target money transfer record indicates that the account recharge request was not indicated in response: and recharging the account indicated by the identification of the account to be recharged in the account recharging request with the money amount to be recharged.
In this embodiment, each of the money transfer records has an identification, which is the first identification if the account recharge request has not been responded to. If the account recharge request has been responded to, the identification of the money transfer record is a second identification. The account recharging request is a request that the identification of the account to be recharged is the same as the identification of the account of the remittance receiver indicated by the remittance record.
In practice, the first indication may be null, i.e., the money transfer record without any indication indicates: the account recharge request has not been responded to. The second identifier may be a predetermined identifier, i.e., the identifier of the money transfer record is a predetermined identifier indicating: the account recharge request has been responded to. In practice, the contents of the first identifier and the second identifier may also be other values, and this embodiment does not limit the specific contents of the first identifier and the second identifier.
And S107, the intercepting device sends the account recharging request to the accounting device.
And S108, the accounting device charges the amount of money to be charged for the account indicated by the identifier of the account to be charged.
In this step, the account to be recharged is the identifier of the account to be recharged contained in the recharging request of the account. The amount to be charged is the amount to be charged contained in the account charging request.
S109, the accounting device updates the identification of the target money transfer record.
In this embodiment, the updated identifier token is in response to the posted customer refill request.
And S110, the accounting device feeds back the posting result to the accounting front-end device.
In this step, the posting result is information indicating that the response to the account charge request is completed.
And S111, the accounting preposition device feeds back the posting result to the payment center.
And S112, outputting information for manually processing the account recharging request.
In this embodiment, where the target money transfer record is present in the money transfer record, but the identification of the target money transfer record indicates that the account recharge request has been responded to, this step is performed, indicating that the account recharge request may be a counterfeit account recharge request.
S113, the accounting front-end device sends the account recharging request to the accounting device.
After this step is executed, S108 is executed.
The embodiment has the following beneficial effects:
in this embodiment, when the identifier of the target remittance record indicates that the account recharging request is not responded, the account indicated by the identifier of the account to be recharged is recharged with the amount of money to be recharged, so that it can be ensured that the account recharging request is not responded before the account to be recharged is recharged, that is, it can be ensured that the account recharging request is not repeated until the account is responded. After the account indicated by the identifier of the account to be recharged is recharged, the identifier of the target remittance record is updated, and the updated identifier represents that the account recharging request is responded, so that the account recharging request cannot be responded subsequently, and further, the account recharging request cannot be responded repeatedly in the embodiment. Therefore, the scheme provided by the embodiment can ensure the accuracy of recharging the account. Meanwhile, the problem that the account to be recharged is recharged due to the fact that the account recharging request is forged manually is avoided.
And, in the event that the identification of the target money transfer record indicates that the account recharge request has been responded to, outputting information for manual processing of the account recharge request provides a condition for manual troubleshooting of the cause of the problem.
Fig. 2 is an information processing method provided in an embodiment of the present application, including the following steps:
s201, under the condition that the account recharging request is received, whether the account recharging request meets a preset condition is judged, if yes, S202 is executed, and if not, S204 is executed.
In this step, the preset conditions may include: the identifier of the account to be recharged in the account recharging request represents a preset service, and/or is used for restricting the condition of the amount of money to be recharged in the account recharging request. Specifically, the condition for restricting the amount to be recharged may refer to S102, and details thereof are not repeated here.
In practice, the preset conditions may further include: the identifier of the account to be recharged in the account recharging request does not belong to the preset identifier, wherein the content of the preset identifier and the meaning that the identifier of the account to be recharged does not belong to the preset identifier may refer to S104, which is not described herein again.
S202, obtaining a money transfer record.
In this step, the contents of the money transfer record may be referred to as S105, and will not be described herein.
S203, determining if a target money transfer record exists in the money transfer record and the identification of the target money transfer record indicates that the account recharge request has not been responded to, if so, then S204 is performed, if not, then S206 is performed.
The specific implementation manner of this step may refer to S106, which is not described herein again.
S204, recharging the account indicated by the identification of the account to be recharged with the money to be recharged.
The specific implementation manner of this step may refer to S108, which is not described herein again.
S205, the identification of the target money transfer record is updated.
In this step, the updated identifier token has responded to the account recharge request.
And S206, outputting information for indicating manual processing of the account recharging request.
In the case that the target money transfer record exists in the money transfer record and the identifier of the target money transfer record indicates that the account recharge request has been responded to, the action of this step is performed, specifically, the manner of performing this step may refer to S112, and will not be described herein again.
Fig. 3 is an information processing apparatus according to an embodiment of the present application, including: an acquisition module 301, a recharge module 302 and an update module 303.
The obtaining module 301 is configured to obtain money transfer records under the condition that an account recharge request is received, where any one of the money transfer records at least includes: an identification of the money transfer recipient account indicated by the money transfer record, the account recharge request including at least: the identification of the account to be recharged and the amount of money to be recharged. A recharging module 302, configured to recharge an account to be recharged with money amount indicated by the identifier of the account to be recharged when the target remittance record exists in the remittance record and the identifier of the target remittance record indicates that the account recharging request is not responded, where the target remittance record is a remittance record in which the identifier of the remittance recipient account is the same as the identifier of the account to be recharged. An update module 303, configured to update the identifier of the target remittance record, where the updated identifier represents a responded account-based recharge request.
Optionally, obtaining module 301 is configured to obtain a money transfer record, including:
the obtaining module 301 is specifically configured to obtain a remittance record when the account recharging request meets a preset condition, where the preset condition includes: the identifier of the account to be recharged represents the preset service and/or is used for restricting the condition of the amount of money to be recharged.
Optionally, the preset conditions further include: the identifier of the account to be recharged does not belong to the preset identifier.
Optionally, the apparatus further comprises: and the execution module 304 is configured to charge the account indicated by the identifier of the account to be charged with the amount of money to be charged, when the account charging request is received and the account charging request does not satisfy the preset condition.
Optionally, the apparatus further comprises: an output module 305 for outputting information indicating manual processing of the account recharge request if the target money transfer record exists in the money transfer records and the identification of the target money transfer record indicates that the account recharge request has been responded to.
The functions described in the method of the embodiment of the present application, if implemented in the form of software functional units and sold or used as independent products, may be stored in a storage medium readable by a computing device. Based on such understanding, part of the contribution to the prior art of the embodiments of the present application or part of the technical solution may be embodied in the form of a software product stored in a storage medium and including several instructions for causing a computing device (which may be a personal computer, a server, a mobile computing device or a network device) to execute all or part of the steps of the method described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same or similar parts among the embodiments are referred to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (12)
1. An information processing method characterized by comprising:
obtaining a remittance record under the condition of receiving an account recharging request; any of the money transfer records includes at least: an identification of the money transfer recipient account indicated by the money transfer record; the account recharge request includes at least: the identification of the account to be recharged and the amount of money to be recharged;
recharging the account indicated by the identifier of the account to be recharged with the amount to be recharged when a target money transfer record exists in the money transfer records and the identifier of the target money transfer record indicates that the account recharging request is not responded; the target remittance record is the remittance record with the same identifier of the remittance receiver account and the identifier of the account to be recharged;
updating the identification of the target money transfer record; and the updated identification representation responds to the account recharging request.
2. The method of claim 1, wherein said obtaining a money transfer record comprises:
under the condition that the account recharging request meets preset conditions, obtaining a remittance record; the preset conditions include: the identifier of the account to be recharged represents a preset service and/or is used for restricting the condition of the amount of money to be recharged.
3. The method of claim 2, wherein the preset condition further comprises: and the identifier of the account to be recharged does not belong to a preset identifier.
4. The method of claim 3, further comprising:
and under the condition that an account recharging request is received and the account recharging request does not meet the preset condition, recharging the amount of money to be recharged for the account indicated by the identification of the account to be recharged.
5. The method of claim 1, further comprising:
in the event that a target money transfer record exists in the money transfer record and the identity of the target money transfer record indicates that the account recharge request has been responded to, outputting information indicating manual processing of the account recharge request.
6. An information processing apparatus characterized by comprising:
the obtaining module is used for obtaining a remittance record under the condition of receiving the account recharging request; any of the money transfer records includes at least: an identification of the money transfer recipient account indicated by the money transfer record; the account recharge request includes at least: the identification of the account to be recharged and the amount of money to be recharged;
the recharging module is used for recharging the amount of money to be recharged for the account indicated by the identifier of the account to be recharged under the condition that the remittance record has a target remittance record and the identifier of the target remittance record indicates that the account recharging request is not responded; the target remittance record is the remittance record with the same identifier of the remittance receiver account and the identifier of the account to be recharged;
an update module to update the identification of the target money transfer record; and the updated identification representation responds to the account recharging request.
7. An information processing system, comprising: intercepting means and accounting means;
the intercepting device is used for acquiring a remittance record under the condition of receiving an account recharging request; any of the money transfer records includes at least: an identification of the money transfer recipient account indicated by the money transfer record; sending the account recharge request to the accounting device if a target remittance record exists in the remittance record and the identification of the target remittance record indicates that the account recharge request has not been responded to; the target remittance record is the remittance record with the same identifier of the remittance receiver account and the identifier of the account to be recharged;
the accounting device is further used for recharging the amount of money to be recharged for the account indicated by the identification of the account to be recharged under the condition of receiving the account recharging request; updating the identification of the target money transfer record; and the updated identification representation responds to the account recharging request.
8. The system of claim 7, further comprising: the accounting prepositive device is used for sending the account recharging request to the intercepting device under the condition that the account recharging request meets the preset condition; the preset conditions include: the identifier of the account to be recharged represents a preset service and/or is used for restricting the condition of the amount of money to be recharged.
9. The system of claim 8,
the accounting front-end device is further configured to send the account recharging request to the accounting device when the account recharging request does not meet the preset condition.
10. The system of any one of claims 7 to 9, wherein the intercepting means, upon receiving an account recharge request, is configured to obtain a money transfer record, comprising:
the intercepting device is specifically used for acquiring a remittance record under the condition that the identifier of the account to be recharged does not belong to a preset identifier.
11. The system of claim 10,
the intercepting device is further used for sending the account recharging request to the accounting device under the condition that the identification of the account to be recharged belongs to a preset identification.
12. The system of claim 7,
the intercepting means is further adapted to output information indicating manual processing of the account recharge request if a target remittance record exists in the remittance records and the identification of the target remittance record indicates that the account recharge request has been responded to.
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Application publication date: 20200218 |