CN111080308A - Service information processing method and device and electronic equipment - Google Patents
Service information processing method and device and electronic equipment Download PDFInfo
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- CN111080308A CN111080308A CN201911357371.4A CN201911357371A CN111080308A CN 111080308 A CN111080308 A CN 111080308A CN 201911357371 A CN201911357371 A CN 201911357371A CN 111080308 A CN111080308 A CN 111080308A
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The embodiment of the specification relates to a method and a device for processing service information and electronic equipment. The method comprises the following steps: automatically generating a service record according to the resource flow information and the message flow information, and triggering and freezing corresponding service orders and funds; then, generating a service judgment result by matching the resource flow information and the message flow information of the same service order; and comparing the service judgment result with the resource flow information, unfreezing the service order when the comparison is successful, and transferring funds according to the service judgment result. Therefore, the automatic processing of the service information is realized, and the processing efficiency and accuracy of the service information are improved.
Description
Technical Field
The embodiment of the present specification relates to the technical field of service processing, and more particularly, to a service information processing method, a service information processing apparatus, an electronic device, and a computer-readable storage medium.
Background
In the service information processing, a user generally serves as an initiator to initiate a service information processing request through a card issuer, and a card organization serves as an acceptor and an arbitrator to forward the service information processing request to an acquirer, a third-party payment company and a merchant.
When the business information is processed, the business information flow needs to be manually recorded in a wind control system of a third-party payment company, and meanwhile, the comparison with the payment information is completed. The business fund flow is transmitted to an acquiring system of a third-party payment company by an acquiring bank, analyzed by the acquiring system and then pushed to a wind control system, and then the business fund flow is associated with the business information flow by the wind control system.
Therefore, under the condition of huge magnitude of the service information flow and the service fund flow, the problems of error manual judgment and low processing efficiency exist. There is a need to provide an automatic processing scheme for traffic information.
Disclosure of Invention
An object of the embodiments of the present specification is to provide a new technical solution for service information processing.
According to a first aspect of the embodiments of the present specification, there is provided a method for processing service information, including:
generating a service record according to the resource flow information and the message flow information, and freezing a corresponding service order and fund; the resource flow information comprises the flow information of the fund information of the service order, and the message flow information comprises the transmission information of the service mail of the service order;
generating a service judgment result according to the matching result of the resource flow information and the message flow information of the same service order; the business judgment result at least comprises business judgment rule information and corresponding fund information;
and comparing the service judgment result with the resource flow information, unfreezing the service order when the comparison is successful, and transferring funds according to the service judgment result.
Optionally, before generating the business record, the method further includes:
receiving the service mail containing the message flow information;
the generating a service record according to the resource flow information and the message flow information includes:
and acquiring resource flow information corresponding to the message flow information from an information input interface to generate the service record.
Optionally, before generating the business record, the method further includes:
receiving a service mail containing the message flow information;
receiving and analyzing a resource file message to obtain the resource flow information;
the generating a service record according to the resource flow information and the message flow information includes:
and associating the resource flow information with the message flow information to generate the service record.
Optionally, after generating the business record, the method further includes:
generating a service occurrence message;
sending the service occurrence message to a corresponding merchant;
the service occurrence message at least comprises service time, service amount, order number, merchant name, card organization and corresponding service reason code.
Optionally, the message flow information at least includes: business amount, business currency, bank serial number, business time, business reason, merchant number, transaction time, transaction amount and transaction currency;
the resource flow information includes at least: resource file type, resource circulation amount, resource circulation currency, bank serial number and resource circulation time.
Optionally, the service record at least includes: business currency, business amount, transaction serial number, merchant number, bank serial number and resource traffic information.
Optionally, wherein the method further comprises:
when the comparison between the service judgment result and the resource flow information fails, providing the service judgment result and the resource flow information for a user;
and receiving a comparison result input based on the service judgment result and the resource flow information.
According to a second aspect of the embodiments of the present specification, there is provided a service information processing apparatus, including:
the service record generating module is used for generating a service record according to the resource flow information and the message flow information and freezing a corresponding service order and fund; the resource flow information comprises the flow information of the fund information of the service order, and the message flow information comprises the transmission information of the service mail of the service order;
the matching module is used for generating a service judgment result according to the matching result of the resource flow information and the message flow information of the same service order; the business judgment result at least comprises business judgment rule information and corresponding fund information;
and the comparison module is used for comparing the service judgment result with the resource flow information, unfreezing the service order when the comparison is successful, and allocating funds according to the service judgment result.
According to a third aspect of the embodiments of the present specification, there is provided an electronic device including the service information processing apparatus according to the second aspect of the embodiments of the present specification, or the electronic device includes:
a memory for storing executable commands;
a processor, configured to execute the method for processing the service information according to any one of the first aspect of the embodiments of the present specification under the control of the executable command.
According to a fourth aspect of the embodiments of the present specification, there is also provided a computer-readable storage medium storing executable instructions, which when executed by a processor, perform the method for processing service information according to the first aspect of the embodiments of the present specification.
One beneficial effect of the embodiments of the present description is that the method of the present embodiment automatically generates a service record according to the resource flow information and the message flow information, and triggers an operation of freezing a corresponding service order and fund; then, generating a service judgment result by matching the resource flow information and the message flow information of the same service order; and comparing the service judgment result with the resource flow information, unfreezing the service order when the comparison is successful, and transferring funds according to the service judgment result. Therefore, the automatic processing of the business information is realized, the risk of errors caused by manual participation is reduced, and the processing efficiency of the business information can be improved.
Other features of embodiments of the present specification and advantages thereof will become apparent from the following detailed description of exemplary embodiments thereof, which proceeds with reference to the accompanying drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments of the specification and together with the description, serve to explain the principles of the embodiments of the specification.
Fig. 1 is a schematic view of an actual scene of a service information processing method according to an embodiment of the present disclosure;
fig. 2 is a block diagram showing a hardware configuration of a server 1000 that can implement an embodiment of the present invention;
fig. 3 is a flowchart of a method for processing service information according to an embodiment of the present specification;
fig. 4 is a schematic block diagram of a service information processing apparatus according to a first embodiment of the present disclosure;
fig. 5 is a schematic block diagram of a service information processing apparatus according to a second embodiment of the present specification;
FIG. 6 illustrates a functional block diagram of an electronic device in accordance with an embodiment of the present description.
Detailed Description
Various exemplary embodiments of the present specification will now be described in detail with reference to the accompanying drawings. It should be noted that: the relative arrangement of the components and steps, the numerical expressions, and numerical values set forth in these embodiments do not limit the scope of the embodiments of the present specification unless specifically stated otherwise.
The following description of at least one exemplary embodiment is merely illustrative in nature and is in no way intended to limit the embodiments, their application, or uses.
Techniques, methods, and apparatus known to those of ordinary skill in the relevant art may not be discussed in detail but are intended to be part of the specification where appropriate.
In all examples shown and discussed herein, any particular value should be construed as merely illustrative, and not limiting. Thus, other examples of the exemplary embodiments may have different values.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, further discussion thereof is not required in subsequent figures.
< hardware configuration >
Fig. 1 is a schematic view of an actual scene of a service information processing method according to an embodiment of the present specification.
Referring to fig. 1, the service information is, for example, the information of the denial service, and in a processing scenario of the information of the denial service, the information of the denial service includes an issuer, a card organization, an acquirer, a third-party payment company, and a global merchant system.
Specifically, the user (cardholder) contacts the card issuer to initiate the denial service, and the card issuer, the card organization and the acquirer receive the denial information flow information and the denial fund flow information from the user and forward the information to the third-party payment company and the merchant thereof. The information of the refusal payment information flow is mainly transmitted by a mail mode, and the information of the refusal payment fund flow is mainly transmitted by a fund file message and belongs to the transmission of a system level.
As shown in fig. 1, the third party payment company includes a financial gateway system, a repudiation system and a repudiation center. After receiving the information of the information flow of the refusal payment information and the information of the flow of the refusal payment fund, the refusal payment service can be divided into a synchronous mode and an asynchronous mode.
In the synchronous mode, a collector transmits a fund file message to a financial gateway system, the financial gateway system analyzes the fund file message to obtain refusal fund flow information and pushes the refusal fund flow information to a refusal payment system and a refusal payment center, the refusal payment system automatically generates a part of refusal payment records according to the refusal fund flow information and the refusal payment information flow information, and complete refusal payment records can be generated after the refusal payment reasons are supplemented manually.
In the asynchronous mode, the single bank only sends the information of the refusal payment information flow to the refusal payment system through the mail, and at the moment, no refusal payment fund flow is generated and needs to be manually input into the refusal payment system to generate a complete refusal payment record.
Further, when a complete payment refusal record is generated in the payment refusal system, the payment refusal system is automatically triggered to send a payment refusal generation message to the merchant through the payment refusal center, and meanwhile, corresponding business orders and funds are frozen.
The repudiation system can also generate the repudiation result information by comparing the difference between the repudiation information flow information and the repudiation fund flow information under the same repudiation service.
The refusal payment center compares the refusal payment fund flow information received from the financial gateway system with the refusal payment result information received from the refusal payment system, generates a refusal payment result message when the comparison is successful, and unfreezes the corresponding service order and fund. And finishing the processing of the refusal payment service.
The global merchant system is in butt joint with the denial center and is used for receiving the denial occurrence message and the denial result message and sending the denial occurrence mail and the denial result mail to the seller mailbox when the order is frozen and unfrozen.
Therefore, the record and transmission of the refused payment fund flow information and the refused payment information flow information are realized on the system level of the acquirer, the third-party payment company and the global merchant, the automatic transfer of the refused payment fund is realized, and a solution can be provided for a large-batch refused payment service processing scene.
Fig. 2 is a block diagram showing a hardware configuration of a server 1000 that can implement an embodiment of the present invention.
Server 1000 may be, for example, a blade server or the like.
In one example, server 1000 may be a computer.
In another example, the server 1000 may be as shown in fig. 2, including a processor 1100, a memory 1200, an interface device 1300, a communication device 1400, a display device 1500, an input device 1600. Although the server may also include speakers, microphones, etc., these components are not relevant to the present invention and are omitted here.
The processor 1100 may be, for example, a central processing unit CPU, a microprocessor MCU, or the like. The memory 1200 includes, for example, a ROM (read only memory), a RAM (random access memory), a nonvolatile memory such as a hard disk, and the like. The interface device 1300 includes, for example, a USB interface, a serial interface, and the like. Communication device 1400 is capable of wired or wireless communication, for example. The display device 1500 is, for example, a liquid crystal display panel. The input device 1600 may include, for example, a touch screen, a keyboard, and the like.
In this embodiment, the server 1000 generates a service record from the resource flow information and the message flow information, and freezes a corresponding service order and funds; the resource flow information comprises the flow information of the fund information of the service order, and the message flow information comprises the transmission information of the service mail of the service order; generating a service judgment result according to the matching result of the resource flow information and the message flow information of the same service order; the business judgment result at least comprises business judgment rule information and corresponding fund information; and comparing the service judgment result with the resource flow information, unfreezing the service order when the comparison is successful, and transferring funds according to the service judgment result.
The servers shown in fig. 2 are merely illustrative and are in no way meant to limit the invention, its applications, or uses. In an embodiment of the present invention, the memory 1200 of the server 1000 is used to store instructions for controlling the processor 1100 to operate so as to execute any service information processing method provided by the embodiment of the present invention.
It should be understood by those skilled in the art that although a plurality of devices are shown for the server 1000 in fig. 1, the present invention may only relate to some of the devices, for example, only the processor 1100 and the storage device 1200 of the server 1000. The skilled person can design the instructions according to the disclosed solution. How the instructions control the operation of the processor is well known in the art and will not be described in detail herein.
< method examples >
The present embodiment provides a method for processing service information, which may be executed by the server 1000 as shown in fig. 2, for example.
As shown in FIG. 3, the method comprises the following steps 2000-2400:
The resource flow information comprises the circulation information of the fund information of the service order, and the message flow information comprises the transmission information of the service mail of the service order.
The message flow information at least comprises: business amount, business currency, bank serial number, business time, business reason, merchant number, transaction time, transaction amount and transaction currency. The resource flow information may be obtained by parsing the resource file packet.
For example, the resource file message may be: alipay, AliExpressEU, ordercode, trade _ no, cardbrand, chargibackdate, chargibackreversed (type), chargibackcurrent, chargiback amount, originalcurrent, transaction date, originalamount. That is, the resource flow information may include at least: resource file type, resource circulation amount, resource circulation currency, bank serial number and resource circulation time. The fund file type can be a service deduction or a service payment.
The service record at least comprises: business currency, business amount, transaction serial number, merchant number, bank serial number and resource traffic information.
In one example, the server 1000 may also receive a service mail containing the message flow information before the step 2000. In practical applications, when generating a service record, the server 1000 may obtain resource flow information corresponding to the message flow information from an information entry interface to generate the service record.
In another example, before the step 2000, the server 1000 may also receive a service mail containing the message flow information; and receiving the resource file message, and analyzing the resource file message to obtain the resource flow information. In practical applications, when the server 1000 generates a service record, the resource flow information and the message flow information may be associated to generate the service record.
In practical application, when a certain message flow information generates corresponding resource flow information, it is considered that the service record of a certain service information is complete. If the message flow information is missing, the service information needs to be screened out and the state of the service information is recorded as an initial state; if the resource flow information is missing, the service information needs to be screened out and the state of the service information is recorded as a resource file waiting message.
It should be noted that, in order to intercept refund and delivery in time after the business information occurs, the fund and business order should be frozen normally even if the resource flow information and the message flow information are missing. And after the missing resource flow information and message flow information are manually verified, performing additional recording.
Further, the server 1000 may also automatically notify the merchant of the occurrence of the business and the frozen funds, so that the merchant can process the business information in time. Specifically, after the step 2000, the server 1000 may further generate a service occurrence message; sending the service occurrence message to a corresponding merchant; the service occurrence message at least comprises service time, service amount, order number, merchant name, card organization and corresponding service reason code. The amount and currency of the service amount can be converted and exchanged according to the requirements of the merchant. The service reason code can correspond to different service occurrence reasons, such as delivery of wrong goods, inconsistency of description with a real object, dislike and the like.
In one example, the service occurrence message may be, for example: charging date, trade _ no, orderid, charging amplitude, charging current, replay code, cardbrand, charging type (merchandis, froud, other).
After generating the service record, step 2200 is entered, and a service determination result is generated according to a matching result of the resource flow information and the message flow information of the same service order.
And the service judgment result at least comprises service judgment rule information and corresponding fund information. The service disclaimer information includes, for example, service complaint and service partial complaint; the corresponding fund information can be the amount of the service victory or the service victory.
For example, if the message flow information shows the service amount 100, the service amount 40 is displayed after the resource flow information is padded, and accordingly, the service determination result is a partial victory or partial victory, and the service victory or 60 is victory or 40. If the message flow information displays the service amount of 100, and the success amount of 0 is displayed after the difference is made according to the resource flow information, the fund is safe, correspondingly, the service judgment result is the service success, and the success amount is 100. If the message flow information shows the service amount of 100, and the service amount of 100 is shown after the message flow information is subjected to difference processing according to the resource flow information, the service is aborted, and correspondingly, the service judgment result is the service abortion, and the service amount of 100 is aborted.
In step 2400, the service determination result is compared with the resource flow information, and when the comparison is successful, the service order is thawed and funds are allocated according to the service determination result.
In this step, after the server 1000 generates a service judgment result according to the message flow information and executes the order finalization operation, the service judgment result is automatically compared, if the service success and the corresponding amount, and a part of the success and a part of the corresponding amount are inconsistent with the resource flow information, the service information corresponding to the order is set to be processed, and the service information waits for manual checking processing. And if the two are manually checked to be consistent, executing the unfreezing of the fund and the order and ending the service information. That is, the server 1000 provides the service determination result and the resource flow information to the user, and receives a comparison result input based on the service determination result and the resource flow information.
In practical application, when the comparison is successful, the server 1000 may also generate a service result message and send the service result message to the corresponding merchant. Specifically, the service result message may be, for example: trade _ no, order _ no, trade _ cb _ judge _ amount, trade _ cb _ judge _ cur, cb _ layer.
In one example, the server 1000 may automatically allocate the payout funds after thawing the service order and the funds. The logic of transferring the dividend funds can be divided into the following three cases, for example:
in case one, in buyer's failure, the third party payment company (server 1000) wins the service without loss, only dealing with the fund unfreezing:
cb payer＝chargeback with no compensation,trade_cb_judge_amount＝0。
and the condition II is that the buyer wins, the third-party payment company has a service failure and the capital loss is borne by the merchant, the capital is allocated from the merchant paying user to the service paying user, and the deduction of the third-party payment company by an acquiring bank is complemented:
cb layer and trade _ cb _ jump _ amount are not 0.
And the third condition is that the buyer wins, the third-party payment company loses the service and loses the capital borne by the third-party payment company, and the capital is allocated from a paying user of the third-party payment company:
cb layer is not equal to Alipay compensation, and trade _ cb _ jump _ amount is not equal to 0.
The server 1000 automatically generates a service record, freezes a service order and funds, automatically generates a service judgment result by comparing the resource flow information and the message flow information of the same order, automatically generates service result information by comparing the service judgment result and the resource flow information, unfreezes the service order and automatically transfers funds according to the service judgment result, thereby realizing automatic matching of the message flow information and the resource flow information, simultaneously realizing the additional functions of intercepting refunds, freezing funds and the like, and effectively identifying the risk of error due to repeated deduction and manual judgment, preventing and controlling the simultaneous occurrence of services and refunds.
The method of the embodiment automatically generates a service record according to the resource flow information and the message flow information, and triggers the operation of freezing the corresponding service order and fund; then, generating a service judgment result by matching the resource flow information and the message flow information of the same service order; and comparing the service judgment result with the resource flow information, unfreezing the service order when the comparison is successful, and transferring funds according to the service judgment result. Therefore, the automatic processing of the business information is realized, the risk of errors caused by manual participation is reduced, and the processing efficiency of the business information can be improved.
< apparatus embodiment >
The embodiment provides a device for processing service information, for example, the device 4000 for processing service information shown in fig. 4, where the device 4000 for processing service information may include a service record generating module 4100, a matching module 4200, and a comparing module 4300.
The service record generating module 4100 is configured to generate a service record according to the resource flow information and the message flow information, and freeze a corresponding service order and fund; the resource flow information comprises the circulation information of the fund information of the service order, and the message flow information comprises the transmission information of the service mail of the service order.
A matching module 4200, configured to generate a service determination result according to a matching result between the resource flow information and the message flow information of the same service order; the service judgment result at least comprises service judgment rule information and corresponding fund information.
And the comparison module 4300 is configured to compare the service determination result with the resource flow information, and when the comparison is successful, unfreeze the service order and allocate funds according to the service determination result.
It can be understood that, when the comparison fails, the comparison module 4300 provides the service determination result and the resource flow information to the user; and receiving a comparison result input based on the service judgment result and the resource flow information.
In an embodiment, as shown in fig. 5, the device 4000 for processing service information may further include a receiving module 4400, configured to receive a service mail including the message flow information; correspondingly, the service record generating module 4100 is configured to obtain resource flow information corresponding to the message flow information from an information entry interface, so as to generate the service record.
In another embodiment, the receiving module 4400 may be further configured to receive a service mail including the message flow information; and receiving and analyzing the resource file message to obtain the resource flow information. Correspondingly, the service record generating module 4100 is configured to associate the resource flow information with the message flow information to generate the service record.
Further, the service record generating module 4100 may also be configured to generate a service occurrence message; sending the service occurrence message to a corresponding merchant; the service occurrence message at least comprises service time, service amount, order number, merchant name, card organization and corresponding service reason code.
Wherein, the message flow information at least comprises: business amount, business currency, bank serial number, business time, business reason, merchant number, transaction time, transaction amount and transaction currency; the resource flow information at least includes: resource file type, resource circulation amount, resource circulation currency, bank serial number and resource circulation time.
Wherein, the service record at least comprises: business currency, business amount, transaction serial number, merchant number, bank serial number and resource traffic information.
The device for processing service information of this embodiment may be configured to execute the technical solution of the foregoing method embodiment, and the implementation principle and the technical effect are similar, which are not described herein again.
< apparatus embodiment >
In this embodiment, an electronic device is also provided, where the electronic device includes a processing device 4000 for service information described in this embodiment of the apparatus in this specification; alternatively, the electronic device is the electronic device 6000 shown in fig. 6, and includes:
a memory 6100 for storing executable commands.
A processor 6200 configured to perform a method described in any method embodiment of this specification under control of executable commands stored in a memory 6100.
The implementation subject according to the method embodiment performed at the electronic device may be a server.
< computer-readable storage Medium embodiment >
The present embodiments provide a computer-readable storage medium having stored therein an executable command that, when executed by a processor, performs a method described in any of the method embodiments of the present specification.
Embodiments of the present description may be systems, methods, and/or computer program products. The computer program product may include a computer-readable storage medium having computer-readable program instructions embodied thereon for causing a processor to implement aspects of embodiments of the specification.
The computer readable storage medium may be a tangible device that can hold and store the instructions for use by the instruction execution device. The computer readable storage medium may be, for example, but not limited to, an electronic memory device, a magnetic memory device, an optical memory device, an electromagnetic memory device, a semiconductor memory device, or any suitable combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: 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), a Static Random Access Memory (SRAM), a portable compact disc read-only memory (CD-ROM), a Digital Versatile Disc (DVD), a memory stick, a floppy disk, a mechanical coding device, such as punch cards or in-groove projection structures having instructions stored thereon, and any suitable combination of the foregoing. Computer-readable storage media as used herein is not to be construed as transitory signals per se, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through a waveguide or other transmission medium (e.g., optical pulses through a fiber optic cable), or electrical signals transmitted through electrical wires.
The computer-readable program instructions described herein may be downloaded from a computer-readable storage medium to a respective computing/processing device, or to an external computer or external storage device via a network, such as the internet, a local area network, a wide area network, and/or a wireless network. The network may include copper transmission cables, fiber optic transmission, wireless transmission, routers, firewalls, switches, gateway computers and/or edge servers. The network adapter card or network interface in each computing/processing device receives computer-readable program instructions from the network and forwards the computer-readable program instructions for storage in a computer-readable storage medium in the respective computing/processing device.
The computer program instructions for carrying out operations for embodiments of the present description may be assembly instructions, Instruction Set Architecture (ISA) instructions, machine related instructions, microcode, firmware instructions, state setting data, or source code or object code written in any combination of one or more programming languages, including an object oriented programming language such as Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The computer-readable program instructions may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider). In some embodiments, an electronic circuit, such as a programmable logic circuit, a Field Programmable Gate Array (FPGA), or a Programmable Logic Array (PLA), can execute computer-readable program instructions to implement various aspects of embodiments of the present specification by utilizing state information of the computer-readable program instructions to personalize the electronic circuit.
Aspects of embodiments of the present specification are described herein with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer-readable program instructions.
These computer-readable program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks. These computer-readable program instructions may also be stored in a computer-readable storage medium that can direct a computer, programmable data processing apparatus, and/or other devices to function in a particular manner, such that the computer-readable medium storing the instructions comprises an article of manufacture including instructions which implement the function/act specified in the flowchart and/or block diagram block or blocks.
The computer readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other devices to cause a series of operational steps to be performed on the computer, other programmable apparatus or other devices to produce a computer implemented process such that the instructions which execute on the computer, other programmable apparatus or other devices implement the functions/acts specified in the flowchart and/or block diagram block or blocks.
The flowchart 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 description. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of instructions, which comprises one or more executable instructions for implementing the specified logical function(s). 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 and/or flowchart illustration, and combinations of blocks in the block diagrams and/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. It is well known to those skilled in the art that implementation by hardware, implementation by software, and implementation by a combination of software and hardware are equivalent.
The foregoing description of the embodiments of the present specification has been presented for purposes of illustration and description, but is not intended to be exhaustive or limited to the embodiments disclosed. Many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the described embodiments. The terminology used herein is chosen in order to best explain the principles of the embodiments, the practical application, or improvements made to the technology in the marketplace, or to enable others of ordinary skill in the art to understand the embodiments disclosed herein. The scope of embodiments of the present description is defined by the appended claims.
Claims (10)
1. A method for processing service information comprises the following steps:
generating a service record according to the resource flow information and the message flow information, and freezing a corresponding service order and fund; the resource flow information comprises the flow information of the fund information of the service order, and the message flow information comprises the transmission information of the service mail of the service order;
generating a service judgment result according to the matching result of the resource flow information and the message flow information of the same service order; the business judgment result at least comprises business judgment rule information and corresponding fund information;
and comparing the service judgment result with the resource flow information, unfreezing the service order when the comparison is successful, and transferring funds according to the service judgment result.
2. The method of claim 1, wherein prior to generating the business record, the method further comprises:
receiving the service mail containing the message flow information;
the generating a service record according to the resource flow information and the message flow information includes:
and acquiring resource flow information corresponding to the message flow information from an information input interface to generate the service record.
3. The method of claim 1, wherein prior to generating the business record, the method further comprises:
receiving a service mail containing the message flow information;
receiving and analyzing a resource file message to obtain the resource flow information;
the generating a service record according to the resource flow information and the message flow information includes:
and associating the resource flow information with the message flow information to generate the service record.
4. The method of claim 1, wherein after generating the business record, the method further comprises:
generating a service occurrence message;
sending the service occurrence message to a corresponding merchant;
the service occurrence message at least comprises service time, service amount, order number, merchant name, card organization and corresponding service reason code.
5. The method of claim 1, wherein the message flow information comprises at least: business amount, business currency, bank serial number, business time, business reason, merchant number, transaction time, transaction amount and transaction currency;
the resource flow information includes at least: resource file type, resource circulation amount, resource circulation currency, bank serial number and resource circulation time.
6. The method of claim 1, wherein the business records include at least: business currency, business amount, transaction serial number, merchant number, bank serial number and resource traffic information.
7. The method of claim 1, wherein the method further comprises:
when the comparison between the service judgment result and the resource flow information fails, providing the service judgment result and the resource flow information for a user;
and receiving a comparison result input based on the service judgment result and the resource flow information.
8. An apparatus for processing service information, comprising:
the service record generating module is used for generating a service record according to the resource flow information and the message flow information and freezing a corresponding service order and fund; the resource flow information comprises the flow information of the fund information of the service order, and the message flow information comprises the transmission information of the service mail of the service order;
the matching module is used for generating a service judgment result according to the matching result of the resource flow information and the message flow information of the same service order; the business judgment result at least comprises business judgment rule information and corresponding fund information;
and the comparison module is used for comparing the service judgment result with the resource flow information, unfreezing the service order when the comparison is successful, and allocating funds according to the service judgment result.
9. An electronic device comprising the service information processing apparatus according to claim 8, or comprising:
a memory for storing executable commands;
a processor for executing the method for processing service information according to any one of claims 1-7 under the control of the executable command.
10. A computer-readable storage medium storing executable instructions which, when executed by a processor, perform a method of processing service information according to any one of claims 1 to 7.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911357371.4A CN111080308A (en) | 2019-12-25 | 2019-12-25 | Service information processing method and device and electronic equipment |
| TW109116048A TWI796565B (en) | 2019-12-25 | 2020-05-14 | Business information processing method, device and electronic equipment |
| PCT/CN2020/123380 WO2021129104A1 (en) | 2019-12-25 | 2020-10-23 | Business information processing method and apparatus, and electronic device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911357371.4A CN111080308A (en) | 2019-12-25 | 2019-12-25 | Service information processing method and device and electronic equipment |
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| CN111080308A true CN111080308A (en) | 2020-04-28 |
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| CN201911357371.4A Pending CN111080308A (en) | 2019-12-25 | 2019-12-25 | Service information processing method and device and electronic equipment |
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| CN (1) | CN111080308A (en) |
| TW (1) | TWI796565B (en) |
| WO (1) | WO2021129104A1 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2021129104A1 (en) * | 2019-12-25 | 2021-07-01 | 支付宝(杭州)信息技术有限公司 | Business information processing method and apparatus, and electronic device |
| CN113065865A (en) * | 2020-07-31 | 2021-07-02 | 开鑫金服(南京)信息服务有限公司 | Abnormal transaction identification method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN116719751B (en) * | 2023-08-11 | 2023-11-03 | 杭州深度智联数字科技有限责任公司 | Method and system for checking service loss in real time |
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Also Published As
| Publication number | Publication date |
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| WO2021129104A1 (en) | 2021-07-01 |
| TW202125355A (en) | 2021-07-01 |
| TWI796565B (en) | 2023-03-21 |
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