CN111127008B - Method and device for preventing repeated payment - Google Patents

Method and device for preventing repeated payment Download PDF

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Publication number
CN111127008B
CN111127008B CN201911252178.4A CN201911252178A CN111127008B CN 111127008 B CN111127008 B CN 111127008B CN 201911252178 A CN201911252178 A CN 201911252178A CN 111127008 B CN111127008 B CN 111127008B
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payment
property
bill
financial system
order
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CN201911252178.4A
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CN111127008A (en
Inventor
孙春晓
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Qingdao Juhaolian Technology Co ltd
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Qingdao Juhaolian Technology Co ltd
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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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • 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
    • G06Q40/12—Accounting
    • G06Q40/125—Finance or payroll
    • 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
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/16—Real estate
    • G06Q50/167—Closing

Abstract

The application discloses a method and a device for preventing repeated payment, comprising the following steps: acquiring a property payment request, generating a payment order corresponding to the month of payment according to the property payment request, transmitting the generated payment order to a third-party financial system, enabling the third-party financial system to create a business transaction bill, locking a property bill of an owner, displaying the business transaction bill created by the received third-party financial system to the owner, receiving the payment request of the owner, then calling a UnionPayment system to pay the property fee in the business transaction bill, and after receiving a payment success message fed back by the UnionPayment system, forwarding the message to the third-party financial system so as to enable the third-party financial system to update a payment zone bit corresponding to the property bill, thereby preventing online or offline repeated payment when aiming at the same property bill.

Description

Method and device for preventing repeated payment
Technical Field
The application relates to the field of property payment, in particular to a method and a device for preventing repeated payment.
Background
The application aims at the fact that the property payment scene of the non-requirement company is adopted, and most of property fees collected by the property company are collected offline through a financial system in the immature year of mobile payment. The financial system is mostly provided by third-party companies, and non-property companies self-research the system.
With the popularity of mobile payment, most property companies began to consider the scenario of mobile payment of property fees. And acquiring the property bill through the APP, then paying the property bill, and synchronously giving information to the financial system to realize real-time charging of the financial system.
However, in the prior art, there is a problem that, first, most property companies are not willing to upgrade the existing financial system at will, so that the existing financial system is not supported in the existing online payment technology. Second, online payment and offline payment coexist for a long time, after online payment, online payment scenes start to be started, but traditional scenes of paying property fees on site through a property company still exist in large quantity, such as: in an actual scenario, a property bill can be seen by any member in a home or one tenant or a plurality of tenants in the home, and meanwhile, a certain family member pays property fees on the property scene under the online condition, that is, the bill can be seen by an offline property fee payee, and payment operation is performed.
Disclosure of Invention
The embodiment of the application provides a method and a device for preventing repeated payment, which are used for preventing the problem of repeated payment of property fees under multiple scenes aiming at the same bill.
In a first aspect, an embodiment of the present application provides a method for preventing duplicate payment, including:
acquiring a property payment request, wherein the property payment request is requested by a property owner after confirming that a property bill exists; the property payment request comprises month to be paid;
generating a property payment order corresponding to the month to be paid according to the property payment request;
sending the property payment order to a third party financial system so that the third party financial system creates a business transaction bill and locks a property bill of the owner;
after receiving a business transaction bill created by the third-party financial system, creating a property payment order according to the business transaction bill, displaying the property payment order to the owner, and calling a Unionpay payment system to provide online payment for the owner for property fees in the property payment order after receiving a payment request of the owner;
and after receiving the successful payment message fed back by the Unionpay payment system, forwarding the successful payment message to the third party financial system so that the third party financial system updates the payment zone bit corresponding to the property bill according to the successful payment message.
According to the technical scheme, after the business transaction bill is created in the third-party financial system, the property bill of the owner is locked, so that the online or offline payment cannot be performed, the first repeated payment prevention is realized, the successful payment message is sent to the third-party financial system, so that the payment zone bit corresponding to the thinner property bill of the third-party financial system is changed, the owner cannot pay online or offline again, the second repeated payment prevention is realized, and finally, the owner is prevented from repeatedly paying the property fee online or offline when aiming at the same bill.
Optionally, before the acquiring the property payment request, the method further includes:
acquiring a property bill query request of an owner, wherein the query request comprises months to be queried;
inquiring a property bill corresponding to the month to be inquired from a database according to the inquiry request; the property bill in the database is periodically sent by the third party financial system;
and if the inquiry is successful, feeding back the inquired property bill to the owner.
According to the technical scheme, the property bill corresponding to the month to be inquired can be inquired from the database according to the inquiry request, so that the owner can freely select inquiry or payment of property fees in a single month or multiple months.
Optionally, the calling the Unionpay payment system to provide online payment for the property fee in the business transaction ticket for the owner includes:
calling the Unionpay payment system to create a pre-paid order according to the property fee in the property fee payment order;
invoking the Unionpay payment system to pay the property fee in the property payment order under the operation of the owner according to the pre-payment order through a payment channel; and feeding back a payment success message to the Unionpay payment system after the payment is successful.
According to the technical scheme, different payment modes can be provided by calling the Unionpay payment system, so that owners can select.
Optionally, after forwarding the message of successful payment to the third party financial system, the method further includes:
and determining whether a response message sent by the third-party financial system is received, if not, resending the successful payment message to the third-party financial system according to a preset time interval until the response message sent by the third-party financial system is received.
According to the technical scheme, the successful payment message fed back by the Unionpay payment system is sent to the third party financial system, and the third party financial system is confirmed to receive the message, so that the third party financial system updates the payment zone bit of the service bill after receiving the message, the payment zone bit of the property bill is changed, and the online or offline repeated payment of an owner is prevented.
In a second aspect, an embodiment of the present application provides an apparatus for preventing duplicate payment, including:
the acquisition module is used for acquiring a property payment request;
and the processing module is used for generating a property payment order corresponding to the month to be paid according to the property payment request, sending the property payment order to a third party financial system, enabling the third party financial system to create a business transaction bill, and locking the property bill of the owner.
The processing module is further configured to: and after receiving the business transaction list created by the third-party financial system, creating a property payment order according to the business transaction list, displaying the property payment order to the owner, and calling a Unionpay payment system to provide online payment for the owner for property fees in the property payment order after receiving the payment request of the owner.
The processing module is further configured to: and after receiving the successful payment message fed back by the Unionpay payment system, forwarding the successful payment message to the third-party financial system so that the third-party financial system updates the payment zone bit of the property bill according to the successful payment message.
Optionally, the acquiring module is further configured to:
acquiring a property bill query request of an owner before acquiring a property payment request;
inquiring a property bill corresponding to the month to be inquired from a database according to the inquiry request; the property bill in the database is periodically sent by the third party financial system;
and if the inquiry is successful, feeding back the inquired property bill to the owner.
Optionally, the processing module is configured to:
calling the Unionpay payment system to create a pre-paid order according to the property fee in the property fee payment order;
invoking the Unionpay payment system to pay the property fee in the property payment order under the operation of the owner according to the pre-payment order through a payment channel; and feeding back a payment success message to the Unionpay payment system after the payment is successful.
Optionally, the processing module is further configured to:
and after the successful payment message is forwarded to the third-party financial system, determining whether a response message sent by the third-party financial system is received, and if not, retransmitting the successful payment message to the third-party financial system according to a preset time interval until the response message sent by the third-party financial system is received.
In a third aspect, embodiments of the present application also provide a computing device, including:
a memory for storing program instructions;
and the processor is used for calling the program instructions stored in the memory and executing the anti-duplicate payment method according to the obtained program.
In a fourth aspect, embodiments of the present application further provide a computer-readable storage medium storing computer-executable instructions for causing a computer to perform the above-described anti-duplicate payment method.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the description of the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of a system architecture according to an embodiment of the present application;
FIG. 2 is a schematic flow chart of a method for preventing duplicate payments according to an embodiment of the present application;
FIG. 3 is a schematic flow chart of a method for preventing duplicate payments according to an embodiment of the present application;
FIG. 4 is a schematic flow chart of a method for preventing duplicate payments according to an embodiment of the present application;
FIG. 5 is a schematic flow chart of a method for preventing duplicate payments according to an embodiment of the present application;
fig. 6 is a schematic structural diagram of an apparatus for preventing duplicate payment according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be described in further detail below with reference to the accompanying drawings, and it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
Fig. 1 is an exemplary schematic diagram showing a system architecture to which an embodiment of the present application is applied, where the system architecture includes: owner APP100, unionpay payment system 200, third party adaptation service 300, order payment service 400, third party financial system 500, weChat or payment treasury 600.
The owner APP100 is configured to provide a query of property bills for a plurality of owners including a plurality of home owners and a plurality of tenant owners, and provide a payment function for the property bills. The owner APP100 may include a third party adaptation service 300 and an order payment service 400, where the third party adaptation service 300 is configured to notify the third party financial system 500 to generate a corresponding business transaction order after generating a payment order, synchronize the business transaction order generated by the third party financial system 500 to the order payment service 400, and synchronize an online payment result to the third party financial system 500 after receiving a successful payment message. The order payment service 400 is configured to generate a payment order corresponding to each property bill, record a payment condition of the payment order, and interface with the Unionpay payment system 200.
The Unionpay payment system 200 is used for calling corresponding payment interfaces, such as WeChat or Payment device 600, and realizing different payment modes.
The third party financial system 500 is configured to generate a property bill, and when the payment is performed under the main line of industry, the payment under the manual line is realized through the system.
WeChat or payment gateway 600 for providing different payment channels for a banked payment system.
It should be noted that the system architecture shown in fig. 1 is merely an example, and the embodiment of the present application is not limited thereto.
Fig. 2 illustrates a flow of a method for preventing duplicate payments according to the present application, which may be used in a device for preventing duplicate payments.
As shown in fig. 2, the steps of the flow specifically include:
step 201, obtaining a property payment request.
In the embodiment of the application, a property payment order is acquired, wherein the property payment request is requested by a property owner after confirming that a property bill which is not paid exists, and the property payment request also comprises the month of payment.
It should be noted that, before obtaining the property payment request, the method further includes: and acquiring a property bill query request of the owner, querying a property bill corresponding to the month to be queried from a database according to the query request, and feeding back the queried property bill to the owner after the query is successful, wherein the query request comprises the month corresponding to the property bill to be queried, and the property bill in the database is periodically transmitted by a third-party financial system.
And 202, generating a property payment order corresponding to the month to be paid according to the property payment request.
In the embodiment of the application, the owner can generate the property payment order corresponding to the month to be paid according to the inquired property bill to be paid, for example: after the owner APP terminal selects the property bill of 1 month to 6 months, the total is 600 yuan, and the owner generates a property payment order of 600 yuan property fee according to the operation owner APP terminal.
And 203, sending the payment order to a third party financial system so that the third party financial system creates a business transaction bill and locks the property bill of the owner.
In the embodiment of the application, when a payment order is initiated by a third party financial system, the corresponding order is generated by an order payment service, the corresponding property bill is locked after the corresponding order is generated by the order payment service, the locked property bill information is sent to the third party financial system, the property bill corresponding to the locked property bill is paid by the owner APP property bill number information, after the third party financial system receives the information, the corresponding property bill in the third party financial system is updated, and the property bill is locked to a payment zone bit, at the moment, the third party financial system can not be paid by other lines or off lines, and the first time of preventing repeated payment of property fees is realized.
Step 204, after receiving the business transaction order created by the third party financial system, creating a property payment order according to the business transaction order, displaying the property payment order to the owner, and after receiving the payment request of the owner, calling a Unionpay payment system to provide online payment for the owner for property fees in the property payment order.
In the embodiment of the application, after the third-party financial system generates the business transaction bill corresponding to the property bill, the business transaction bill corresponding to the generated property bill is fed back to the owner, and is displayed to the owner, the owner pays according to the pre-paid order corresponding to the business transaction bill, and after receiving the payment request of the owner, the banking payment system is called to provide the owner with the property fee in the online payment business transaction bill.
It should be noted that, the bank payment system is called to create a pre-payment order according to the property fee in the business transaction bill, the bank payment system is called to pay the property fee in the business transaction bill under the operation of the industry owner according to the pre-payment order through the payment channel, and after the payment is successful, the successful payment message is fed back to the bank payment system.
And step 205, after receiving the successful payment message fed back by the Unionpay payment system, forwarding the successful payment message to the third party financial system so that the third party financial system updates the payment flag bit corresponding to the property bill according to the successful payment message.
In the embodiment of the application, after receiving the successful payment message fed back by the Unionpay payment system, the payment zone bit of the property payment order and the corresponding bill in the order payment service is updated to be paid, meanwhile, the successful payment message fed back by the Unionpay payment system is sent to the third party financial system, the payment zone bit corresponding to the business transaction bill and the property bill in the third party financial system is updated to be paid, and the payment zone bit of the corresponding property payment order, the business transaction bill and the property bill is updated to be paid, so that the payment can not be repeatedly carried out on or off an owner line.
After the successful payment message fed back by the Unionpay payment system is sent to the third-party financial system, whether corresponding information sent by the third-party financial system is received is determined, if not, the successful payment message is sent to the third-party financial system again according to a preset time interval until a response message sent by the third-party financial system is received.
In the embodiment of the application, the property bill is inquired, the property payment order is further generated according to the acquired property payment request of the owner, after the property payment order is generated, the property payment order is sent to the third party financial system, so that the third party financial system further generates a corresponding business transaction bill, the corresponding property bill of the owner is locked, the repeated payment is prevented for the first time, the Unionpay payment system is called, a pre-payment order is created according to the property bill in the business transaction bill, so that the owner pays the pre-payment order on line through the online payment function provided by the Unionpay payment system, the property bill in the business transaction bill is paid, after the payment is successful, the successful payment message is fed back to the Unionpay payment system, and then the successful payment message fed back to the Unionpay payment system is sent to the third party financial system according to the successful payment message, so that the third party financial system updates the payment sign corresponding to the business transaction bill and the property bill, and the second repeated prevention is realized.
Based on the same technical concept, fig. 3 illustrates a flow of a method for preventing duplicate payment according to an embodiment of the present application, where the flow may be used for a device for preventing duplicate payment.
As shown in fig. 3, the process specifically includes:
step 301, calling a query Bill List, and inquiring a service Bill.
The owner APP calls the query Bill List to inform the order payment service to inquire the property Bill.
Step 302, query the database through SQL.
The order payment service queries the property bill in the database through SQL.
Step 303, the database returns data.
The database returns the queried property bill data to the order payment service.
Step 304, the call is successful, and the data is returned.
The order payment service returns the acquired property bill data to the owner APP.
And 305, clicking to Pay immediately, calling the create Order Pay, and creating a property payment Order.
Clicking on the owner APP to Pay immediately, the industry APP will call the create Order Pay to cause a message to create the property payment Order to be notified to the Order payment service.
And 306, generating a property payment order.
The order payment service generates a property payment order according to the property bill inquired in the database, and the property payment order is stored in the database through SQL after being generated.
Step 307, call transaction Creation interface, notifying third party financial system to create business transaction list.
The order payment service invokes transaction Creation an interface to cause the third party adaptation service to notify the third party financial system to create a business transaction order.
Step 308, calling create Bill Busitrans interface to generate business transaction list.
The third party adapted service call create Bill Busitrans interface notifies the third party financial system to create a business transaction order to cause the third party financial system to generate a business transaction order.
Step 309, returning success.
And the third-party financial system generates a business transaction order and returns success.
Step 310, returning success and returning the business transaction list.
The third party adaptation service returns success and returns the business transaction order.
Step 311, storing the business transaction list number.
And the order payment service stores the business transaction list number into a database.
Step 312, successfully generating a property payment order, and returning data.
And the order payment service successfully generates a property payment order and returns the data to the owner APP.
Step 313, clicking to pay immediately, and calling the save Point interface.
Clicking on the owner APP to pay immediately will invoke the save Point interface informing the order payment service to prepare the parameters related to the Unionpay payment.
Step 314, preparing the Unionpay payment related parameters.
The order payment service prepares the parallel payment related parameters.
Step 315, generating the Unionpay merchant single number.
The order payment service queries data in the database, generates a Unionpay merchant single number, and stores the merchant single number through SQL.
Step 316, returning success and returning payment parameters.
The order payment service returns success and returns payment parameters to the owner APP.
Step 317, call the UnionPay SDK to create a pre-paid order.
The owner APP calls the UnionPay SDK to inform the order payment service to create a pre-paid order.
Step 318, the pre-payment bill is successfully created and returned.
After the order payment service pre-paid order is successfully created, the order payment service pre-paid order is returned to the owner APP.
Step 319, the Unionpay SDK automatically invokes the payment channel.
On the owner APP, the Unionpay SDK automatically calls a payment channel, and selects WeChat or payment treasures to pay.
Step 320, successful payment.
The WeChat or the payment treasures pay successfully, and a message of successful payment is sent to the Unionpay payment service.
And 321, successful payment and feedback of information.
The Unionpay payment system feeds back a successful payment message to the order payment service.
Step 322, successful payment.
The order payment service stores the message of successful payment in a database.
Step 323, call transaction Approve interface, inform third party financial system to update business bill pay flag.
The order payment service call transaction Approve interface notifies the third party adaptation service to send a message to the third party financial system.
Step 324, call Approve Busitrans interface, pass business transaction list approval and pay successfully.
And the third party adaptation service sends the received message of successful payment to the third party financial system so as to enable the third party financial system to pass approval, and updates the corresponding business transaction case, property payment order and payment zone bit of the property bill.
Step 325, return success.
And the third party adaptation service returns a message that the third party financial system updates the corresponding business transaction case, property payment order and payment zone bit of the property bill to the order payment service.
Step 326, record the notification status.
The order payment service records the corresponding business transaction case, the property payment order and the notification state of the property bill into a database.
And 330, returning to the merchant and notifying a payment result.
The Unionpay payment service returns to the merchant and notifies the owner APP of the payment result.
Step 331, call query Order Detail, query bill details.
Owner APP calls query Order Detail, querying billing details.
Step 332, the query is successful, and the result is returned.
The order payment service returns the results of the query to the owner APP.
Step 332, jumping according to the query result.
The owner APP can jump by itself according to the query result.
In the embodiment of the application, when a property owner pays time, firstly, a property bill is inquired, then a property payment order is generated through the inquired property bill and the acquired property payment request of the property owner, after the property payment order is generated, the property payment order is stored in a database, then the property payment order is sent to a third party financial system, so that the third party financial system further generates a corresponding business transaction list, after the third party financial system generates the corresponding business transaction list, the corresponding business transaction list number is returned to an order payment service, so that the order payment service stores the business transaction list number, and returns to property APP data, so that the property APP generates a property payment order, after the property payment order is generated, a banking payment system creates a pre-payment order according to the property payment in the business transaction list, then the property payment order is sent to a third party financial system through an online payment function provided by a banking payment system, after the third party financial system generates the corresponding business transaction list, the corresponding business transaction list number is returned to the order payment system, so that the property payment success information can be returned to the property APP payment system, and the property payment system can be successfully paid according to the property payment order, and the property payment information can be returned to the property payment system.
To better explain part 1 of the flow of a method for preventing duplicate payments provided by the embodiment of fig. 3, fig. 4 schematically illustrates the flow of a method for preventing duplicate payments provided in connection with the structure illustrated in fig. 1.
As shown in fig. 4, the process specifically includes:
in step 401, the order payment service generates a payment order according to the queried property bill, and invokes the third party financial system to synchronously generate a corresponding business transaction bill.
In step 402, the third party financial system determines whether the corresponding property bill has been paid online or offline.
If not, go to step 403, if yes, go to step 405.
Step 403, after the third party financial system generates the business transaction bill corresponding to the property bill, locking the corresponding business transaction bill and property bill.
After the third party financial system generates the business transaction bill corresponding to the property bill, the corresponding business transaction bill and the property bill are locked, so that other owners are not allowed to pay online or offline.
Step 404, after the online payment of the owner is successful, the order payment service sends information that the business transaction order has been paid successfully to the third party financial system.
The order payment service sends information that the business transaction bill is paid successfully to the third-party financial system, and informs the third-party financial system to update the payment flag bit of the corresponding business transaction bill and the property bill to be paid.
In step 405, the order payment service returns a failure message and the property payment order that has been generated.
And the third party financial system returns a failure message to the order payment service, and the order payment service returns the failure message returned by the third party financial system and the property payment order generated by the order payment service to the owner APP, so that the owner is prevented from continuing to pay.
And step 406, synchronizing the order payment service by the third party financial system after successful payment under the main line of industry.
After the payment under the main line of the industry is successful, the third-party financial system updates the corresponding property trade list and property bill payment zone bit, and then informs the order payment service to synchronously update the corresponding property payment order payment zone bit, so that the order payment service updates the corresponding property payment order payment zone bit to already paid.
In the real-time example of the application, when a payment request is initiated by a property owner, an order payment service generates a property payment order according to the queried property bill to be paid, locks the generated property payment order, and sends the locked property payment order, property bill information and corresponding owner APP order number information to a third party financial system, so that the third party financial system generates a corresponding business transaction bill after receiving the information, then judges whether the corresponding property bill in the third party system is locked, if not, the third party financial system locks the corresponding business transaction bill and the property bill, does not allow online or offline payment to be carried out, so as to prevent the repeated payment of the property owner, and after the successful payment of the property payment order on the property owner, the order payment service sends the information that the business transaction bill is paid successfully to the third party financial system, so that the third party financial system updates the corresponding business transaction bill and the payment flag bit of the property bill to be paid, and the owner is prevented from repeating the payment again.
Based on the same technical concept, fig. 5 exemplarily illustrates a flow of a method for preventing duplicate payment provided in connection with the structure illustrated in fig. 1, which better explains a flow of parts 2 and 3 of the flow of a method for preventing duplicate payment provided in the embodiment of fig. 3 described above.
As shown in fig. 5, the process specifically includes:
step 501, the order payment service informs the third party financial system that the payment was successful.
In the process of notifying the third party financial system of successful payment by the order payment service, a response message sent by the third party financial system may not be received due to network delay, so that multiple calls are required.
Step 502, the order payment service will determine according to the two payment flags.
And the order payment service judges whether the property payment order is successfully paid according to the two payment zone bits in the property payment order.
Step 503, the order payment service determines whether the property payment order payment flag bit in the order payment service is set to be paid.
And 504, setting a property payment order payment zone bit in the order payment service to be paid.
Step 505, the order payment service determines whether to notify the third party financial system.
If yes, ending. If not, go to step 506.
Step 506, the order payment service sends a message informing the third party financial system.
And if the order payment service judges that the third party financial system is not notified, the order payment service resends the successful payment message to the third party financial system at preset time intervals until receiving the response message sent by the third party financial system, so that the order payment service judges that the third party financial system is notified.
In the embodiment of the application, the order payment service sends the successful payment message to the third party financial system, so as to ensure that the third party financial system confirms the receipt of the message, and the order payment service judges whether the third party financial system receives the message according to the payment zone bits of two property payment orders, for example: if the third-party financial system is judged to not receive the message, the message of successful payment is sent to the third-party financial system again according to the preset time interval until the response message sent by the third-party financial system is received, so that the third-party financial system updates the service transaction list and the payment zone bit corresponding to the property bill according to the message of successful payment, and repeated payment is prevented.
Based on the same technical concept, fig. 6 illustrates an apparatus for preventing duplicate payment according to an embodiment of the present application, which may perform a flow of preventing duplicate payment.
As shown in fig. 6, the apparatus specifically includes:
the acquiring module 601 is configured to acquire a property payment request.
And the processing module 602 is configured to generate a property payment order corresponding to the month to be paid according to the property payment request, and send the property payment order to a third party financial system, so that the third party financial system creates a business transaction bill and locks the property bill of the owner.
The processing module 602 is further configured to: and after receiving the business transaction list created by the third-party financial system, creating a property payment order according to the business transaction list, displaying the property payment order to the owner, and calling a Unionpay payment system to provide online payment for the owner for property fees in the property payment order after receiving the payment request of the owner.
The processing module 602 is further configured to: and after receiving the successful payment message fed back by the Unionpay payment system, forwarding the successful payment message to the third-party financial system so that the third-party financial system updates the payment zone bit of the property bill according to the successful payment message.
Optionally, the obtaining module 601 is further configured to:
acquiring a property bill query request of an owner before acquiring a property payment request;
inquiring a property bill corresponding to the month to be inquired from a database according to the inquiry request; the property bill in the database is periodically sent by the third party financial system;
and if the inquiry is successful, feeding back the inquired property bill to the owner.
Optionally, the processing module 602 is configured to:
calling the Unionpay payment system to create a pre-paid order according to the property fee in the property fee payment order;
invoking the Unionpay payment system to pay the property fee in the property payment order under the operation of the owner according to the pre-payment order through a payment channel; and feeding back a payment success message to the Unionpay payment system after the payment is successful.
Optionally, the processing module 602 is further configured to:
and after the successful payment message is forwarded to the third-party financial system, determining whether a response message sent by the third-party financial system is received, and if not, retransmitting the successful payment message to the third-party financial system according to a preset time interval until the response message sent by the third-party financial system is received.
Based on the same technical concept, the embodiment of the application further provides a computing device, which comprises:
a memory for storing program instructions;
and the processor is used for calling the program instructions stored in the memory and executing the anti-duplicate payment method according to the obtained program.
Based on the same technical concept, the embodiment of the application also provides a computer-readable storage medium storing computer-executable instructions for causing a computer to perform the above-described anti-duplicate payment method.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, 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 specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present application without departing from the spirit or scope of the application. Thus, it is intended that the present application also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.

Claims (10)

1. A method of preventing duplicate payments, the method comprising:
acquiring a property payment request, wherein the property payment request is requested by a property owner after confirming that a property bill exists; the property payment request comprises month to be paid;
generating a property payment order corresponding to the month to be paid according to the property payment request;
sending the property payment order to a third party financial system so that the third party financial system creates a business transaction bill and locks the property bill and the business transaction bill of the owner;
after receiving a business transaction bill created by the third-party financial system, creating a property payment order according to the business transaction bill, displaying the property payment order to the owner, and calling a Unionpay payment system to provide online payment for the owner for property fees in the property payment order after receiving a payment request of the owner;
and after receiving the successful payment message fed back by the Unionpay payment system, forwarding the successful payment message to the third party financial system so that the third party financial system updates the payment zone bit corresponding to the property bill and the business transaction bill according to the successful payment message, wherein the updated payment zone bit represents that payment is completed.
2. The method of claim 1, further comprising, prior to the obtaining the property payment request:
acquiring a property bill query request of an owner, wherein the query request comprises months to be queried;
inquiring a property bill corresponding to the month to be inquired from a database according to the inquiry request; the property bill in the database is periodically sent by the third party financial system;
and if the inquiry is successful, feeding back the inquired property bill to the owner.
3. The method of claim 1, wherein invoking the banked payment system to provide the owner with online payment of the property fee in the business transaction ticket comprises:
calling the Unionpay payment system to create a pre-paid order according to the property fee in the property fee payment order;
invoking the Unionpay payment system to pay the property fee in the property payment order under the operation of the owner according to the pre-payment order through a payment channel; and feeding back a payment success message to the Unionpay payment system after the payment is successful.
4. The method of claim 1, wherein after forwarding the payment success message to the third party financial system, further comprising:
and determining whether a response message sent by the third-party financial system is received, if not, resending the successful payment message to the third-party financial system according to a preset time interval until the response message sent by the third-party financial system is received.
5. An apparatus for preventing recurring payments, the apparatus comprising:
the acquisition module is used for acquiring a property payment request;
the processing module is used for generating a property payment order corresponding to the month to be paid according to the property payment request, and sending the payment order to a third party financial system so that the third party financial system creates a business transaction bill and locks the property bill and the business transaction bill of the owner;
the processing module is further configured to: after receiving a business transaction bill created by the third-party financial system, creating a property payment order according to the business transaction bill, displaying the property payment order to the owner, and calling a Unionpay payment system to provide online payment for the owner for business fees in the property payment order after receiving a payment request of the owner;
the processing module is further configured to: and after receiving a successful payment message fed back by the Unionpay payment system, forwarding the successful payment message to the third party financial system so that the third party financial system updates the payment zone bit of the property bill and the business transaction bill according to the successful payment message, wherein the updated payment zone bit indicates that payment is completed.
6. The apparatus of claim 5, wherein the acquisition module is further to:
acquiring a property bill query request of an owner before acquiring a property payment request;
inquiring a property bill corresponding to the month to be inquired from a database according to the inquiry request; the property bill in the database is periodically sent by the third party financial system;
and if the inquiry is successful, feeding back the inquired property bill to the owner.
7. The apparatus of claim 5, wherein the processing module is to:
calling the Unionpay payment system to create a pre-paid order according to the property fee in the property fee payment order;
invoking the Unionpay payment system to pay the property fee in the property payment order under the operation of the owner according to the pre-payment order through a payment channel; and feeding back a payment success message to the Unionpay payment system after the payment is successful.
8. The apparatus of claim 5, wherein the processing module is further to:
and after the successful payment message is forwarded to the third-party financial system, determining whether a response message sent by the third-party financial system is received, and if not, retransmitting the successful payment message to the third-party financial system according to a preset time interval until the response message sent by the third-party financial system is received.
9. A computing device, comprising:
a memory for storing program instructions;
a processor for invoking program instructions stored in said memory to perform the method of any of claims 1 to 4 in accordance with the obtained program.
10. A computer storage medium, characterized in that the computer-readable storage medium stores computer-executable instructions for causing a computer to perform the method of any one of claims 1 to 4.
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CN111626877A (en) * 2020-05-27 2020-09-04 泰康保险集团股份有限公司 Data processing method
CN112819643B (en) * 2021-01-22 2023-11-14 泰康保险集团股份有限公司 New contract underwriting method and system for insurance product
CN113421072A (en) * 2021-06-10 2021-09-21 青岛海信智慧生活科技股份有限公司 Method for operating business service fee document, electronic terminal and server

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