CN111489170A

CN111489170A - Processing method, device and equipment for refusal payment information

Info

Publication number: CN111489170A
Application number: CN202010412897.4A
Authority: CN
Inventors: 宫恩超
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-05-15
Filing date: 2020-05-15
Publication date: 2020-08-04

Abstract

The embodiment of the specification discloses a processing method, a device and equipment of refusal payment information, which comprises the following steps: acquiring the payment refusing information sent by the first equipment; determining a pre-judging responsibility undertaker of the repudiation event according to the repudiation information; determining analysis result data of the rejection event according to the prejudgment responsibility undertaker and the rejection information; when the analysis result data is the analysis result data which represents that the dialect is needed, acquiring a dialect-resistant document template; supplementing the vacancy information in the anti-dialect document template to obtain an anti-dialect document; sending the resistant document to the first device.

Description

Processing method, device and equipment for refusal payment information

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method, an apparatus, and a device for processing denial information.

Background

With the development of computer technology, more and more users use an online information processing mode to complete the processing of required information. Due to the advantages of convenience and quickness of online information processing, the number of online information processing is increasing, and as the number of processed information is increased, the number of information with problems in the processed information is increased.

The information with problems is usually processed by manpower, the efficiency is low, a large amount of manpower is consumed, and the repeated and tedious operations are easy to cause misjudgment, so that resource loss can be caused.

Therefore, there is a need for a more intelligent method to quickly and accurately process problematic information.

Disclosure of Invention

The embodiment of the specification provides a processing method, a device and equipment of refusal payment information, and aims to solve the problem of low efficiency in the existing information processing method.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

the method for processing the payment refusal information provided by the embodiment of the specification comprises the following steps:

acquiring the payment refusing information sent by the first equipment; the repudiation information comprises data related to a repudiation event;

determining a pre-judging responsibility undertaker of the repudiation event according to the repudiation information;

determining analysis result data of the rejection event according to the prejudgment responsibility undertaker and the rejection information;

when the analysis result data is the analysis result data which represents that the dialect is needed, acquiring a dialect-resistant document template;

supplementing the vacancy information in the anti-dialect document template to obtain an anti-dialect document;

sending the resistant document to the first device.

An apparatus for processing rejected payment information provided by an embodiment of the present specification includes:

the information acquisition module is used for acquiring the payment refusing information sent by the first equipment; the repudiation information comprises data related to a repudiation event;

the responsibility prejudgment module is used for determining a prejudgment responsibility undertaker of the refusal event according to the refusal information;

the analysis result determining module is used for determining analysis result data of the rejection event according to the prejudgment responsibility undertaker and the rejection information;

the template acquisition module is used for acquiring an anti-dialect document template when the analysis result data is the analysis result data which represents the anti-dialect;

the information filling module is used for filling the vacant information in the anti-dialect document template to obtain an anti-dialect document;

a document sending module for sending the tolls document to the first device.

An apparatus for processing denial information provided in an embodiment of the present specification includes:

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to:

sending the resistant document to the first device.

One embodiment of the present description achieves the following advantageous effects:

the method comprises the steps of obtaining the refusal information sent by the first equipment, determining a pre-judgment responsibility undertaker of the refusal event, determining an analysis result of the refusal event according to the pre-judgment responsibility undertaker and the refusal information, and sending the resistant document to the first equipment when the resistance is required, so that the refusal information is processed.

Drawings

In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

Fig. 1 is a schematic overall architecture diagram of a processing method of repudiation information provided by an embodiment of the present specification;

fig. 2 is a schematic flowchart of a processing method of the repudiation information according to an embodiment of the present specification;

fig. 3 is a schematic structural diagram of a device for processing repudiation information according to an embodiment of the present specification;

fig. 4 is a schematic structural diagram of a processing device for repudiation information provided in an embodiment of the present specification.

Detailed Description

To make the objects, technical solutions and advantages of one or more embodiments of the present disclosure more apparent, the technical solutions of one or more embodiments of the present disclosure will be described in detail and completely with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present specification, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from the embodiments given herein without making any creative effort fall within the scope of protection of one or more embodiments of the present specification.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

A denial, i.e., a Chargeback, also known as a refund, refers to an issuer asking an acquirer to withdraw an approved transaction, and asking the acquirer to return all or part of the transaction amount; typically, if the reason for the repudiation is present at the merchant, the acquirer may transfer the funds lost to the merchant that it needs to undertake.

A general repudiation process may be: the card holder submits a refusal payment application to the card issuing bank, the card issuing bank feeds the refusal payment application back to the acquiring bank, the acquiring bank transfers the refusal payment application to the third-party platform, and the third-party platform carries out corresponding processing on the refusal payment.

The acquirer may refer to a bank that redeems cash in the cross-bank transaction or signs up with the merchant to settle the funds of the cross-bank transaction.

An issuer may refer to an institution that issues bank cards, maintains an account associated with the card, and has an agreement relationship with the cardholder.

In the prior art, when the third-party platform processes the denial, the staff of the third-party platform manually analyzes the denial application after receiving the denial application, and correspondingly processes the denial application according to the experience of the staff. It can be seen that the processing procedure of the rejection is usually completed mainly by manpower, the processing efficiency is low, and the processing result is usually affected by the subjective factors of the staff.

In order to solve the defects in the prior art, the scheme provides the following embodiments:

fig. 1 is a schematic overall architecture diagram of a processing method of the repudiation information in the embodiment of the present specification. As shown in fig. 1, the overall architecture mainly includes a user 1, a terminal 2, an issuer 3, an acquirer 4, and a third-party platform 5. When checking the consumption bill of a certain bank card of a user 1 in a terminal 2, the user 1 finds that a problem transaction exists, submits a payment refusing application to an issuer 3 corresponding to the bank card, and requires an acquirer 4 to return all or part of the amount of the transaction. After receiving the denial application submitted by the user 1, the card issuing bank 3 may determine the corresponding acquiring bank 4 according to the information in the denial application, and send the denial application to the acquiring bank 4, and then the acquiring bank 4 forwards the denial application to the third party platform 5, and the third party platform 5 completes the processing of the denial information corresponding to the denial application. The third party platform 5 may be a platform for the user 1 to perform transactions, for example, the third party platform 5 may be a certain payment platform, when the user 1 performs online shopping, the payment platform completes payment by using the bank card, and the amount of money required for shopping is transferred from the bank card to an account of an acquirer corresponding to a merchant.

Next, a method for processing the denial information provided in the embodiments of the specification will be specifically described with reference to the accompanying drawings.

Fig. 2 is a schematic flowchart of a processing method of the repudiation information according to an embodiment of the present disclosure. From the viewpoint of a program, the execution subject of the flow may be a program installed in an application server or an application client. As shown in fig. 2, the process may include the following steps:

step 202: acquiring the payment refusing information sent by the first equipment; the repudiation information includes data related to a repudiation event.

In practical application, a user can submit a payment refusal application to an issuer aiming at a questionable transaction, and an acquirer is required to return all or part of the amount of the transaction; after receiving the information about the repudiation application sent by the card issuing bank, the acquirer can send the related information to the third-party platform so that the third-party platform can analyze the repudiation event. The first device may be a device or a server corresponding to the acquirer, and the server of the third-party platform may obtain the payment refusal information sent by the first device.

Step 204: and determining the pre-judging responsible party of the repudiation event according to the repudiation information.

Each transaction is generated by the participation of at least the initiator of the transaction and the recipient of the transaction, and when the user conducts the transaction at the third party platform, the third party platform is also the participant of the transaction, and when the transaction is in question, all participants may take responsibility. In this embodiment of the present specification, the pre-judged responsible party of the repudiation event may be determined according to the repudiation information. The prejudged responsible party is the primarily judged responsible party related to the repudiation information, and the final responsible party can be determined according to the rules in the preset rule set, or the dialectic result, or the rules in the preset rule set and the dialectic result.

Step 206: and determining analysis result data of the rejection event according to the prejudgment responsibility undertaker and the rejection information.

In practical application, the server can analyze the refusal payment event according to the prejudged responsibility undertaker and the refusal payment information, and further obtain analysis result data.

Step 208: and when the analysis result data is the analysis result data which represents that the dialect is needed, acquiring the dialect resistant document template.

After the server analyzes the rejection event, the server determines that the responsible party of the rejection event should not be or should not be only the third-party platform, and can perform dispute on the rejection event to indicate that the third-party platform should not take part or all of the responsibility of the rejection event.

In this embodiment of the present specification, the dialect-resistant document template may be preset, and specifically may be set according to a history denial event or a requirement of the first device, or may also be set according to an agreement signed by the third party platform and the first device.

Step 210: and supplementing the vacant information in the resistant and dialect document template to obtain the resistant and dialect document.

In practical application, the information in the resistant template can be completely supplemented to obtain the resistant document, and the resistant document can contain the reason basis and related information that the third-party platform should not bear part or all of the responsibility of the denial event.

Step 212: sending the resistant document to the first device.

In this embodiment, the server may further send the generated forensic document to the first device corresponding to the acquirer, so as to inform the acquirer that the third party platform should not take part or all of the responsibility of the denial event for the denial event.

In the embodiment of the description, the server determines the pre-judgment responsibility undertaker of the denial event by acquiring the denial information sent by the first equipment, determines the analysis result of the denial event according to the pre-judgment responsibility undertaker and the denial information, and can send the anti-dispute document to the first equipment when the anti-dispute is needed, so that the processing of the denial information is completed.

It should be understood that the order of some steps in the method described in one or more embodiments of the present disclosure may be interchanged according to actual needs, or some steps may be omitted or deleted.

For a more clear description of the method in the embodiment of the present specification, the following description will take an example where the user requests a repudiation application for a certain suspicious consumption.

The method comprises the steps that a user is supposed to purchase a commodity on a certain shopping platform, the payment for purchasing the commodity is transferred to an account of a merchant, the user finds that the commodity has quality problems after receiving the commodity and returns the commodity to the merchant through negotiation, but the user still does not receive refund after the appointed time limit is reached, and accordingly the user can put forward a payment refusing application to an issuer and request an acquirer corresponding to the merchant to return the finished transaction payment. In practical application, a user can submit a payment refusal application to an issuer through a shopping platform, and the payment refusal application can contain contents such as payment refusal reason, order information, transaction time information, transaction amount, return information and the like. The issuer can determine the bank to which the account of the merchant transacting with the user belongs after receiving the refusal payment application and analyzing the refusal payment application, namely an acquirer, the issuer can send the relevant information of the refusal payment application to the acquirer, the acquirer sends the refusal payment information corresponding to the refusal payment application to a third party mechanism for analysis, and the third party mechanism can be the shopping platform or a mechanism which is associated with the shopping platform and has the refusal payment information processing capacity. In practical applications, it is the server corresponding to the third-party organization that performs the relevant operations, and for convenience of description, the server will be referred to as the third-party organization that performs the processing of the payment refusal information.

The repudiation information may include the repudiation reason, the repudiation type, the order details, and the like. The user can submit the rejection application as a rejection event, and the server can determine the pre-judging responsibility undertaker of the rejection event according to the received rejection information.

The user purchases goods through the shopping platform, the participants in the transaction at least comprise the user, the merchant and the shopping platform, each participant is possible to be a responsibility undertaker of the repudiation time, and the prejudged responsibility undertaker can comprise a participant of the transaction event. The server can obtain the analysis result of the refusal event according to the received refusal information and the determined pre-judged responsible party, wherein the analysis result can comprise the dispute, the refusal receipt and the manual review submission.

When the analysis indicates that the third party authority should not assume responsibility for the declined event or should not assume full responsibility, the server may generate a forensic document that may contain a reason or basis indicating that the third party authority should not assume responsibility or should not assume full responsibility.

To simplify the operation, the resistant document can be obtained according to a preset resistant document template. Wherein the dialectic template may include transaction information, logistics information, payment information, and the like. Table 1 below is a diagram of a resistant document provided in an embodiment of the present disclosure, where the resistant document may be generated according to a resistant template.

TABLE 1

As shown in table 1 above, the anti-identity document template may include payment information, such as the name, address, and billing address of the buyer, and may also include authentication information of the third party platform, such as an authentication code and identity authentication.

In practical applications, part of the information in the identification template may be fixed, such as the name of the project to be filled in. After the dialect template is acquired, the items contained in the dialect template need to be supplemented to completely acquire the dialect document, and specifically, the related information acquired according to the refusal information can be supplemented to the dialect template correspondingly by using an information extraction tool. The obtained forensic document may include information of both parties of the transaction, information of the transaction article, and authentication information of both parties of the transaction by the third party platform.

The payment information can be payment information generated after a user purchases a commodity, and the bank serial number can be a serial number corresponding to a running account generated after an acquirer receives the amount paid by the user; the authentication code can be a corresponding code generated after the server authenticates the merchant according to the relevant regulations when the merchant is in the parking shopping platform, and is used for indicating that the merchant accords with the regulations of the parking shopping platform; the identity authentication and the credit authentication can be authentication of the identity and the credit of the user by the shopping platform when the user registers on the shopping platform or shops, and specifically, the authentication can comprise sending a dynamic verification short message to a mobile phone number registered by the user, and also can comprise verifying identity information and the like reserved in a bank by the user.

It should be noted that, in practical applications, there are many authentication methods for merchants and users, and this is only an example for more clearly explaining the scheme in the embodiment of the present specification, and the specific authentication method in the embodiment of the present specification is not limited.

In practical applications, the refund applied by the user is usually returned to the user by a payment route, for example, the user transfers the amount in the bank card to a bank card or an account of a merchant through a resource transfer device of a shopping platform, and when the refund is made, the refund amount also needs to be transferred from the resource transfer device of the shopping platform to an issuing bank corresponding to the user and then to the bank card of the user, so that the reimbursement related information may also be included in the forensic document, and may be used to indicate that a third party organization has completed the related operation of the refund application.

The form and content of the resistant document are exemplified to more clearly explain the method in the embodiment of the present specification, and in practical applications, the resistant document template may be set as needed.

The content contained in the anti-dialect document template can also contain content formulated according to agreements signed between a third party organization and a user, a card issuer corresponding to the third party organization and the user, a merchant corresponding to the third party organization and a platform of the third party organization and an acquirer corresponding to the merchant of the third party organization, for example, in order to ensure that both parties can sign an agreement containing the responsibility attribution content between the third party organization and the merchant of the platform of the third party organization in a compliance range, for example, the agreement indicates that the third party organization needs to authenticate the credit of the merchant in a preset time period after the merchant is parked on the platform, so that the anti-dialect document template can contain information, such as authentication time, authentication results and the like, for authenticating the merchant credit by the third party organization.

After the anti-debt document is obtained, the server can also send the anti-debt document to the acquirer, so that the processing of the repudiation information sent by the acquirer is completed.

Based on the method of fig. 2, the present specification also provides some specific embodiments of the method, which are described below.

Optionally, the method in the embodiment of the present specification may further include:

and when the analysis result data is the analysis result data which shows that the refusal payment is required to be accepted, sending a request for starting the resource returning task to the second equipment.

Continuing with the above example, assuming that the server corresponding to the shopping platform determines the responsibility undertaker of the shopping platform for the repudiation event after analyzing the repudiation information, a request for starting the resource return task may be sent to the second device. The second device may be a resource management device corresponding to the shopping platform, and has a capability of transferring resources. The second device may send part or all of the resources related to the refund amount in the payment refusal information to the issuer corresponding to the user, and the issuer may then enter the corresponding refund amount into the bank card account of the user.

In order to comprehensively process various repudiation information, when the server cannot accurately obtain whether the repudiation event needs to be resisted or accepted, the method in the embodiment of the present specification may further process the repudiation information by means of a manual review method, which specifically includes:

when the analysis result data is analysis result data which represents that manual examination is needed, the information of the refusal payment and the information of the pre-judging responsibility undertaker are sent to third equipment;

acquiring a manual auditing result fed back by the third equipment;

and processing the repudiation task corresponding to the repudiation event according to the manual auditing result.

The third device may be a device used for manual auditing, and the manual auditing is usually that a worker of the third-party organization performs manual auditing on the refusal payment information by using own experience, so as to judge whether the third-party organization is a responsibility undertaking party.

The results of the manual review may include results indicating a need for dispute and results indicating a rejection. Specifically, when the manual review determines that the third-party organization is not a responsibility undertaking party according to the repudiation information, the review result indicating that the third-party organization needs to be told can be fed back to the server, and the server can generate a told document according to the told document template and send the told document to the first equipment; when the third-party organization is determined as the responsibility undertaking party according to the refusal payment information through manual auditing, an auditing result of refusal payment acceptance can be fed back to the server, and the server can send a request for starting a resource returning task to the second equipment.

In practical application, the number of the rejected information may be large, and to improve the processing efficiency of the rejected information, when manual review is required, batch processing may be selected, and specifically, the method in the embodiment of this specification may further include:

acquiring a manual checking result which is fed back by the third equipment at one time and is used for a plurality of refused tasks; the manual auditing results of the plurality of refused tasks are the same;

and carrying out batch processing on the plurality of the refusing tasks.

Considering that the processing speed of the computer is much higher than the manual processing speed, the server can also acquire the manual auditing results of the multiple refusal tasks at one time and perform batch processing on the acquired multiple refusal tasks. In practical application, a worker who performs manual review can submit the rejected tasks with the same review results to the server, and the server can trigger a process of batch processing of the rejected tasks according to the review results. For example, the server acquires a plurality of audit results representing the dispute at a time, may generate a corresponding dispute document for each audit result, and may send the dispute document to the first device. Thus, the processing efficiency of the refusal payment information can be improved.

In addition, the server can utilize more server resources to process other tasks in the time interval between the receipt of batch refusal tasks of different batches, and the utilization rate of the server can be improved; when the refused tasks are processed in batches, the occupation of other tasks on the server can be effectively avoided, the batch of tasks can be preferentially processed, and the processing efficiency of the refused tasks can be improved.

In this embodiment of the present description, to improve processing efficiency of a denial task, in a process of determining analysis result data of a denial event according to a pre-judged responsible party and denial information, whether information included in the denial information hits a processing result corresponding to a preset rule may be judged according to a priority, and then analysis result data of the denial event is obtained more quickly, where specifically, the determining of the analysis result data of the denial event in this embodiment of the present description may specifically include:

according to the prejudgment responsibility undertaker and the denial information, whether the denial event hits rules in a preset rule set or not is judged in sequence from high priority to low priority; the preset rule set comprises a plurality of rules, and each rule has a corresponding priority;

and when the payment refusing event hits any rule in the preset rule set, determining the processing result of any rule as the analysis result data.

In practical application, in order to improve the processing efficiency of the rejected information, a judgment rule related to the rejected event can be set, and the server can automatically complete the processing of the rejected information according to the rule.

In the embodiment of the description, the preset rule is mainly to determine the pre-judged responsible party according to the content contained in the repudiation information, and further determine whether to perform dispute.

Table 2 below is a schematic diagram of preset rules of the denial information in the embodiment of the present specification. As shown in table 2, the preset rule may include priority, description information, prejudgment responsible party, result, and the like.

TABLE 2

In practical applications, the repudiation information usually includes information characterizing the repudiation reasons filled when the user submits the repudiation application, for example, the repudiation reasons may include quality problems of the goods, wrong quantity of the goods, wrong address, and the like. The server can acquire relevant fields in the rejection reason, such as 'quality of goods' and 'quantity of goods', can determine that the rejection event is not responsible for the third-party platform, and can perform an anti-dispute process, and the server can generate an anti-dispute document and send the anti-dispute document to the first device.

Supposing that the server receives the refusal information and determines that the refusal information contains information representing the quality of goods by analyzing the refusal information, the prejudged responsibility undertaker can be determined to be a merchant or a logistics company, and the refusal event can be determined not to be responsible by the third-party platform, so that an analysis result can be directly obtained, namely, the reimbursement is required, and the problems of address problem, missing of merchant experience and the like do not need to be continuously searched, so that the processing process of the refusal information is simplified, and the processing efficiency of the refusal information is improved.

When the server does not retrieve the goods problem in the refusal payment information and the related information, the server can analyze the judgment condition of the next priority, such as the address problem with the priority of 2 in the table above, when the address problem is determined, the result with the priority of 2 can be used as the analysis result, the anti-dispute processing can be carried out on the refusal payment information, and the server can generate an anti-dispute document and send the document to the first device.

By analogy, the server can sequentially judge whether the repudiation event hits the rules in the preset rule set according to the sequence of the priority from high to low, and when the repudiation event hits any rule in the preset rule set, the processing result of the rule is determined as analysis result data.

In practical application, there may be a case where the user applies for a denial maliciously, for example, after the user submits a denial application for a certain commodity transaction, the third-party organization has returned the whole amount of the transaction to the card issuer of the user, but the user submits the denial application again, the server may determine that the user's denial event has been completed according to the order information of the user, the transaction information of the acquirer, and the information processing record of the organization platform, and is a full refund, and for the obtained denial information again, it may be determined that the user has a possibility of malicious denial, the piece of denial information may be marked, and the credit of the user may be re-rated.

It should be noted that the preset rule in table 2 is only for more clearly illustrating a specific process of obtaining the analysis result data by the server, where the specific content of the preset rule is only schematically represented, and in practical applications, the preset rule may be set as needed, and the content of the rule is not specifically limited herein.

In practical applications, after determining the analysis result data of the denial event, the method may further include: and updating the processing state of the repudiation task corresponding to the repudiation event to be consistent with the analysis result data.

In this embodiment of the present specification, the processing state of each piece of the denial information may also be recorded in the server, for example, part or all of the denial information sent to the server by the acquirer is stored in the server or the storage space, the denial information may be sorted in a denial information list, and the denial information list may further include information such as a denial number, an order number, a user account, an acquirer, a card issuer, and a processing state corresponding to the denial information, where the processing state may include contents to be processed, resisting to be recognized, and accepting to be rejected. After the server obtains the analysis result data for each piece of the repudiation information, the state of the repudiation information can be correspondingly updated. For example, the server receives the rejection information, may add the rejection information to a rejection information list, and may mark the status of the rejection information as pending before an analysis result of the rejection information is not obtained; when the server analyzes the refusal information and the obtained analysis result data shows that the dispute is required, the state of the refusal information can be updated to the dispute.

When the user has the possibility of applying for the repudiation maliciously, the status of the repudiation information may be updated to be dispute, and the status column of the repudiation information is marked with a special mark, for example, red to indicate that the user has the possibility of applying for the repudiation maliciously.

In practical application, the server may also drag the to-be-processed denial information from the denial information list according to the state information of the denial information to perform analysis processing, and may also perform batch processing on the denial information in the same state, for example, generate an anti-dialect document in batch for the denial information that needs to be anti-dialect, and send the denial information that needs to be manually checked to the third device in batch, and so on. Therefore, the processing efficiency of the refusal payment information can be improved, and the resources are saved.

The denial information received by the server may be stored in a local storage space of the server or in a storage space accessible by the server, and the storage form and the storage content of the denial information may be set according to actual requirements, and the content in the denial information list may also be set according to actual requirements, which is not limited specifically here.

In practical applications, the method in the embodiment of the present specification may further include:

acquiring rule description information input by a user for analyzing a denial event; the rule description information is in a text form;

presenting the rule description information;

acquiring a rule code compiled by a program developer based on the rule description information;

and storing the rule codes to the preset rule set.

In the embodiment of the present specification, the text information may be written correspondingly as information in the form of codes, for example, the text information including the goods problem in the payment refusal information may be represented by a rule code "12.5/91/4850", the text information characterizing the omission of the proof of the merchant may be represented by a rule code "98.7/65/5432", and so on.

In practical application, a worker of the third-party organization may set a preset rule in the preset rule set according to experience, and the preset rule may include an analysis result of the payment refusal information. For example, when the transaction corresponding to the repudiation information has goods problems, the responsibility undertaker of the repudiation event can be determined to be a merchant or a logistics company, and the third-party platform can be used for dispute regardless of the third-party platform.

The working personnel can input preset rules set according to experience into a platform for setting the preset rules in a third-party mechanism in a text mode, the program developer can obtain rule description information in the text mode from the platform and can write the text information into a code mode to obtain rule codes, and the server can obtain the rule codes written by the program developer based on the rule description information and store the rule codes into a preset rule set.

When a new rule code is added into the preset rule set, the priority corresponding to the rule code can be set, and the payment refusing information is processed according to the priority.

In the embodiment of the description, the server can also determine the analysis result of the payment refusal event according to the rule code, so that the processing speed of the payment refusal information can be improved.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method. Fig. 3 is a schematic structural diagram of a device for processing repudiation information according to an embodiment of the present specification. As shown in fig. 3, the apparatus may include:

an information obtaining module 302, configured to obtain the payment refusing information sent by the first device; the repudiation information comprises data related to a repudiation event;

a liability pre-judging module 304, configured to determine a pre-judging liability undertaking party of the repudiation event according to the repudiation information;

an analysis result determining module 306, configured to determine, according to the pre-judged responsible party and the denial information, analysis result data of the denial event;

the template obtaining module 308 is configured to obtain an anti-resolution document template when the analysis result data is analysis result data that indicates that anti-resolution is required;

the information filling module 310 is configured to fill the vacancy information in the resistant document template to obtain a resistant document;

a document sending module 312, configured to send the resistant document to the first device.

Optionally, the apparatus provided in this embodiment of the present specification may further include:

and the return request sending module is used for sending a request for starting the resource return task to the second equipment when the analysis result data is the analysis result data which indicates that the refusal payment needs to be accepted.

Optionally, the apparatus provided in this embodiment of the present description may further include a manual review intervention module, which may be specifically configured to:

acquiring a manual auditing result fed back by the third equipment;

Wherein, the manual audit intervenes the module, can also be used for:

and carrying out batch processing on the plurality of the refusing tasks.

Optionally, in the apparatus provided in this embodiment of the present specification, the analysis result determining module may be specifically configured to:

Optionally, the apparatus provided in this embodiment of the present specification may further include a status update module, which may be configured to:

and updating the processing state of the repudiation task corresponding to the repudiation event to be consistent with the analysis result data.

Optionally, the apparatus provided in this embodiment of the present specification may further include a preset rule generating module, which may be configured to:

presenting the rule description information;

and storing the rule codes to the preset rule set.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method.

Fig. 4 is a schematic structural diagram of a processing device for repudiation information according to an embodiment of the present specification. As shown in fig. 4, the apparatus 400 may include:

at least one processor 410; and the number of the first and second groups,

a memory 430 communicatively coupled to the at least one processor; wherein,

the memory 430 stores instructions 420 executable by the at least one processor 410 to enable the at least one processor 410 to:

sending the resistant document to the first device.

Based on the same idea, the embodiment of the present specification further provides a computer-readable medium corresponding to the above method. The computer readable medium has stored thereon computer readable instructions executable by the processor to implement the method of processing the repudiation information described above.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus shown in fig. 3, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to part of the description of the method embodiment.

In the 90 th generation of 20 th century, it is obvious that improvements in Hardware (for example, improvements in Circuit structures such as diodes, transistors and switches) or software (for improvement in method flow) can be distinguished for a technical improvement, however, as technology develops, many of the improvements in method flow today can be regarded as direct improvements in Hardware Circuit structures, designers almost all obtain corresponding Hardware Circuit structures by programming the improved method flow into Hardware circuits, and therefore, it is impossible to say that an improvement in method flow cannot be realized by Hardware entity modules, for example, Programmable logic devices (Programmable logic devices L organic devices, P L D) (for example, Field Programmable Gate Arrays (FPGAs)) are integrated circuits whose logic functions are determined by user programming of devices, and a digital character system is "integrated" on a piece of P L D without requiring a variety of integrated circuits manufactured and manufactured by dedicated chips, and is easily written by manufacturers such as software programs "Hardware programs" (programming software) such as Hardware programs ", software", which is written in Hardware programs "compatible with" Hardware logic devices "," Hardware "," software ", and software", such as software programs "compatible with Hardware programs" (software, such as software, such as Hardware programs, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software.

A controller may be implemented in any suitable manner, for example, in the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, Application Specific Integrated Circuits (ASICs), programmable logic controllers (PLC's), and embedded microcontrollers, examples of which include, but are not limited to, microcontrollers 625D, AtmelAT91SAM 91, Microchip PIC18F26K20, and Silicone L abs C8051F320, which may also be implemented as part of the control logic for a memory.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention 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 invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information which can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, 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 application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A processing method of repudiation information comprises the following steps:

sending the resistant document to the first device.

2. The method of claim 1, further comprising:

3. The method of claim 1, further comprising:

acquiring a manual auditing result fed back by the third equipment;

4. The method of claim 3, further comprising:

and carrying out batch processing on the plurality of the refusing tasks.

5. The method according to claim 1, wherein the determining analysis result data of the denial event specifically comprises:

6. The method of any of claims 1-5, further comprising, after determining analysis result data for the declined event:

7. The method of claim 5, further comprising:

presenting the rule description information;

and storing the rule codes to the preset rule set.

8. A device for processing repudiation information, comprising:

a document sending module for sending the tolls document to the first device.

9. The apparatus of claim 8, further comprising:

10. The apparatus of claim 8, further comprising a manual review intervention module, in particular to:

acquiring a manual auditing result fed back by the third equipment;

11. The apparatus of claim 10, the manual review intervention module further to:

and carrying out batch processing on the plurality of the refusing tasks.

12. The apparatus of claim 8, wherein the analysis result determination module is specifically configured to:

13. The apparatus of claim 8, further comprising a status update module to:

14. The apparatus of claim 12, further comprising a preset rule generating module configured to:

presenting the rule description information;

and storing the rule codes to the preset rule set.

15. A device for processing repudiation information, comprising:

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein,

sending the resistant document to the first device.