CN111523868A - Aggregate payment system and electronic device thereof - Google Patents
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- 238000012545 processing Methods 0.000 claims description 5
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Abstract
The embodiment of the invention relates to an aggregation payment system and electronic equipment thereof. The aggregated payment system includes: the payment module is used for shielding interaction between a business party and a third-party payment channel and feeding back a payment result by dynamically expanding the available payment channel through a third party accessed according to the standard; the merchant module is used for managing the accessed merchant main body, determining a payment channel corresponding to the merchant main body and managing bills, reports and wind control; the intelligent report module is used for displaying the data information of the aggregated payment system in real time; and the bill service module is used for displaying and managing the orders. The payment management system can be used for carrying out unified management and account checking on each payment channel, has the functions of reports and the like, can effectively improve the performance, the safety and the expandability, and is favorable for reducing the management and maintenance cost.
Description
[ technical field ] A method for producing a semiconductor device
The invention relates to the technical field of electronic information, in particular to an aggregation payment system and electronic equipment thereof.
[ background of the invention ]
With the continuous development of electronic information technology, the cashless electronic payment mode is widely applied to life, and is popular with people due to the characteristics of rapidness, convenience and the like. In order to occupy market share, many banks and enterprises provide own payment channels or payment channels for users, and a very large number of third party payment channels or payment channels are formed.
In the process of implementing the present application, the inventor finds that the following problems exist in the prior art: the existing business systems of the merchant main body need to be independently connected with a plurality of third party payment channels, so that the problems of channel scattering, difficulty in upgrading and managing, serious repeated work and incapability of ensuring the safety are caused. Moreover, the functions of account checking and report forms are not available, the access is not flexible enough, and the development requirement is difficult to meet.
[ summary of the invention ]
The embodiment of the invention provides an aggregation payment system and electronic equipment thereof, aiming at solving at least part of defects of the existing business system.
The embodiment of the invention provides the following technical scheme: an aggregated payment system. It includes:
the payment module is used for shielding interaction between a business party and a third-party payment channel and feeding back a payment result by dynamically expanding the available payment channel through a third party accessed according to the standard;
the merchant module is used for managing the accessed merchant main body, determining a payment channel corresponding to the merchant main body and managing bills, reports and wind control;
the intelligent report module is used for displaying the data information of the aggregated payment system in real time;
and the bill service module is used for displaying and managing the orders.
Optionally, the aggregated payment system further comprises: the risk control module is used for monitoring the risk behaviors of the aggregation payment system and sending out early warning information; and the account checking module is used for comparing bills of the merchant main body and bills of a third party so as to ensure transaction consistency.
Optionally, when the aggregated payment system executes a payment procedure, the aggregated payment system is specifically configured to:
receiving a payment request from a user; performing ordering pre-processing according to the payment request; determining a payment channel selected by a user; ordering according to the payment channel selected by the user; and feeding back the payment result after ordering processing to the user and the merchant main body.
Optionally, the aggregated payment system is provided with a plurality of payment modes; the payment mode comprises the following steps: APP payment, quick payment, swipe payment, barcode payment, and card payment.
Optionally, when executing the refund process, the aggregated payment system is specifically configured to: acquiring a refund request from a user; when the merchant body corresponding to the refund request is in a normal state, judging a payment object corresponding to the refund request; after the payment object is checked, initiating a refund through a corresponding payment channel; and feeding back the refund result after the refund is initiated to the user and the merchant body.
Optionally, when the aggregated payment system executes the reconciliation procedure, the aggregated payment system is specifically configured to:
acquiring and analyzing the account checking file; automatically checking the account checking file, and comparing to generate a difference file containing differences; and uploading the difference file.
Optionally, the aggregate payment system, when performing the reconciliation procedure, is further configured to: acquiring a merchant and a third party payment channel pointed by the account checking request; and generating and uploading a merchant account checking file corresponding to the account checking request.
Another embodiment of the present invention provides the following technical solutions: an electronic device, comprising: the system comprises a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface complete mutual communication through the communication bus;
the memory is configured to store at least one executable instruction that causes the processor to implement the aggregated payment system as described above.
Compared with the prior art, the aggregated payment system provided by the embodiment of the invention provides a uniform platform, can uniformly manage and reconcile payment channels, has the functions of reports and the like, can effectively improve the performance, the safety and the expandability, and is beneficial to reducing the management and maintenance cost.
[ description of the drawings ]
One or more embodiments are illustrated by way of example in the accompanying drawings, which correspond to the figures in which like reference numerals refer to similar elements and which are not to scale unless otherwise specified.
Fig. 1 is a functional block diagram of an aggregated payment system provided in an embodiment of the present invention;
fig. 2 is a schematic diagram of a service architecture of an aggregated payment system provided in an embodiment of the present invention;
fig. 3 is a schematic diagram of a technical architecture of an aggregated payment system provided by an embodiment of the present invention;
fig. 4 is a functional schematic diagram of an aggregated payment system provided by an embodiment of the present invention;
FIG. 5 is a schematic diagram of a payment process provided by an embodiment of the invention;
FIG. 6 is a schematic diagram of a refund process according to an embodiment of the present invention;
fig. 7 is a schematic diagram of an account reconciliation flow provided in the embodiment of the present invention.
[ detailed description ] embodiments
In order to facilitate an understanding of the invention, the invention is described in more detail below with reference to the accompanying drawings and specific examples. It will be understood that when an element is referred to as being "secured to" another element, it can be directly on the other element or intervening elements may also be present. When an element is referred to as being "connected" to another element, it can be directly connected to the other element or intervening elements may be present. As used in this specification, the terms "upper," "lower," "inner," "outer," "bottom," and the like are used in the orientation or positional relationship indicated in the drawings for convenience in describing the invention and simplicity in description, and do not indicate or imply that the referenced device or element must have a particular orientation, be constructed and operated in a particular orientation, and are not to be considered limiting of the invention. Furthermore, the terms "first," "second," "third," and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.
Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used herein, the term "and/or" includes any and all combinations of one or more of the associated listed items.
Furthermore, the technical features mentioned in the different embodiments of the invention described below can be combined with each other as long as they do not conflict with each other.
Fig. 1 is a schematic diagram of functional modules of an aggregation payment system according to an embodiment of the present invention. Which may be executed by any type of electronic computing device, such as a server or router, etc., that enables aggregation of multiple payment approaches. As shown in fig. 1, the aggregated payment system includes: a payment module 110, a merchant module 120, an intelligent reporting module 130, and a billing service module 140.
The payment module 110 is a core module of the system platform, and is used for dynamically extending the available payment channels by a third party accessed according to standards to shield interaction between a business party and the third party payment channels and feed back payment results.
The payment module 110 may specifically integrate a plurality of different payment methods, including WeChat payment, Payment.
The merchant module 120 is configured to manage the accessed merchant main body, determine a payment channel corresponding to the merchant main body, and manage a bill, a report, and a wind control.
The merchant main body is a main body accessed to the aggregation payment platform and can enter the payment platform in a protocol mode such as signing and the like. The merchant entity may be any suitable type of business entity that requires a fee, such as a medical facility, for example a hospital.
The intelligent reporting module 130 is configured to display the data information of the aggregated payment system in real time. The intelligent reporting module can be exposed from a plurality of different aspects including but not limited to business data, payment channel data, payment mode data, ring rate reports, and equal rate reports, etc.
The billing service module 140 is used to present and manage orders. The order management system can be used for displaying and operating payment, refund and other orders, and realizes management of bills.
Continuing to refer to fig. 1, in some embodiments, the aggregated payment system may further include: a risk control module 150 and a reconciliation module 160.
Wherein the risk control module 150 is configured to monitor risk behaviors of the aggregated payment system and issue warning information. These risk behaviors include behaviors with higher transaction wind directions such as abnormal refunds, large volume transactions, etc., and automatic early warning is realized by the risk control module 150.
The reconciliation module 160 is used for comparing the bills of the merchant main body and the third party to ensure the transaction consistency. The reconciliation module 160 provides an automatic reconciliation function, which can automatically find out the bill difference and feed back, thereby improving the convenience of the system in use.
Fig. 2 is a schematic diagram of a service architecture provided in the embodiment of the present invention. As shown in fig. 2, for the aggregated payment system in which the merchant main body is a hospital, the business architecture thereof may roughly include: the system comprises a service channel, a unified interface, a cashier desk, a payment channel, a payment gateway, a payment route, transaction wind control, account checking management, account operation, a support system, medical payment service and the like.
The service channel may include various existing payment channels (such as APP, public number, applet, etc.), and initiate a corresponding payment request. The cashier desk supports and is provided with multiple payment modes, including APP payment, quick payment, code scanning payment, bar code payment, card and ticket payment and the like. The payment channel is a specific combination of a bank channel and a payment mode and represents a channel with the finest payment capacity. Third party systems refer to payment systems that specifically interact with a payment platform, such as WeChat, Payment treasures, Unionpay, and the like.
Fig. 3 is a schematic diagram of a technical architecture according to an embodiment of the present invention. As shown in fig. 3, the aggregated payment system is constructed based on interface services, cash register, portal management system, API gateway, registry, Ribbon, feign, hystrix tools, monitoring services, data access, cache, main database, and synchronization database.
The API gateway can be realized by Zuul, the monitoring service can be completed by CAT hstrix, the data access is realized by Mybatis drive, and the cache can be realized by distributed Memcahed Redis.
Fig. 4 is a functional diagram provided in the embodiment of the present invention. As shown in fig. 4, the aggregate payment system may provide various different types of functions, so that the merchant main body may be conveniently used, which is beneficial to help integrate a plurality of business systems of the merchant main body. The part including the slash is a function which is not opened temporarily. The specific open functions can be adjusted and set according to the needs of the actual situation.
The operation of the aggregated payment system in performing various processes is described in detail below with reference to fig. 5 to 7. As shown in fig. 5, the payment process specifically includes the following steps:
501: a payment request is received from a user. The payment request may be generated by the user triggering a payment transaction upon logging into the system.
502: and performing ordering pre-processing according to the payment request.
503: and determining the payment channel selected by the user.
504: and according to the payment channel selected by the user, delivering the payment channel to a corresponding payment channel for ordering processing and payment.
505: and feeding back the payment result after ordering processing to the user and the merchant main body.
As shown in fig. 6, when executing a refund process, the aggregate payment system specifically includes the following steps:
601: a refund request from a user is obtained.
602: and judging whether the merchant body corresponding to the refund request is in a normal state. If yes, go to step 603, otherwise, feed back the result that the merchant main body has been deactivated.
603: and judging a payment object corresponding to the refund request.
604: and after the payment object is approved, initiating refund through a corresponding payment channel. The final implementation of the refund is done by the payment channel.
605: and feeding back the refund result after the refund is initiated to the user and the merchant body.
As shown in fig. 7, when the aggregate payment system executes the reconciliation process, the method specifically includes the following steps:
701: and acquiring and analyzing the account checking file.
702: and automatically checking the account checking file.
703: and comparing to generate a difference file containing the difference.
704: and uploading the difference file. The difference file can be uploaded to an FTP server for the merchant body to download by himself to acquire relevant data information.
Continuing with fig. 7, in some embodiments, the aggregated payment system, in performing the reconciliation procedure, is further configured to:
firstly, an account checking request is obtained, and a merchant and a routing channel selected by the account checking request are determined. And then, downloading the corresponding account checking file from the FTP server. In addition, account checking files of specific merchants can be automatically generated and uploaded to the FTP server.
Of course, the merchant main body itself may also automatically generate the reconciliation file and upload the reconciliation file to the FTP server.
The specific embodiment of the present invention does not limit the specific implementation of the electronic device. The electronic device may include: a processor, a communication interface, a memory, and a communication bus.
The processor, the communication interface and the memory are communicated with each other through a communication bus. A communication interface for communicating with network elements of other devices, such as clients or other servers. A processor for executing the program.
In particular, the program may include program code comprising computer operating instructions. The processor may be a central processing unit CPU or an application Specific integrated circuit asic or one or more integrated circuits configured to implement embodiments of the present invention. The electronic device comprises one or more processors, which can be the same type of processor, such as one or more CPUs; or may be different types of processors such as one or more CPUs and one or more ASICs.
The memory is used for storing programs. The memory may comprise high-speed RAM memory, and may also include non-volatile memory (non-volatile memory), such as at least one disk memory. The program may in particular be adapted to cause a processor to implement an aggregated payment system as described above.
The algorithms or displays presented herein are not inherently related to any particular computer, virtual system, or other apparatus. Various general purpose systems may also be used with the teachings herein. The required structure for constructing such a system will be apparent from the description above. In addition, embodiments of the present invention are not directed to any particular programming language. It is appreciated that a variety of programming languages may be used to implement the teachings of the present invention as described herein, and any descriptions of specific languages are provided above to disclose the best mode of the invention.
In the description provided herein, numerous specific details are set forth. It is understood, however, that embodiments of the invention may be practiced without these specific details. In some instances, well-known methods, structures and techniques have not been shown in detail in order not to obscure an understanding of this description.
Similarly, it should be appreciated that in the foregoing description of exemplary embodiments of the invention, various features of the embodiments of the invention are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the invention and aiding in the understanding of one or more of the various inventive aspects. However, the disclosed method should not be interpreted as reflecting an intention that: that the invention as claimed requires more features than are expressly recited in each claim. Rather, as the following claims reflect, inventive aspects lie in less than all features of a single foregoing disclosed embodiment. Thus, the claims following the detailed description are hereby expressly incorporated into this detailed description, with each claim standing on its own as a separate embodiment of this invention.
Those skilled in the art will appreciate that the modules in the device in an embodiment may be adaptively changed and disposed in one or more devices different from the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features disclosed in this specification (including any accompanying claims, abstract and drawings), and all of the processes or elements of any method or apparatus so disclosed, may be combined in any combination, except combinations where at least some of such features and/or processes or elements are mutually exclusive. Each feature disclosed in this specification (including any accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; within the idea of the invention, also technical features in the above embodiments or in different embodiments may be combined, steps may be implemented in any order, and there are many other variations of the different aspects of the invention as described above, which are not provided in detail for the sake of brevity; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.
Claims (8)
1. An aggregated payment system, comprising:
the payment module is used for shielding interaction between a business party and a third-party payment channel and feeding back a payment result by dynamically expanding the available payment channel through a third party accessed according to the standard;
the merchant module is used for managing the accessed merchant main body, determining a payment channel corresponding to the merchant main body and managing bills, reports and wind control;
the intelligent report module is used for displaying the data information of the aggregated payment system in real time;
and the bill service module is used for displaying and managing the orders.
2. The aggregated payment system of claim 1, further comprising:
the risk control module is used for monitoring the risk behaviors of the aggregation payment system and sending out early warning information;
and the account checking module is used for comparing bills of the merchant main body and bills of a third party so as to ensure transaction consistency.
3. The aggregate payment system of claim 1, wherein the aggregate payment system, when executing a payment procedure, is specifically configured to:
receiving a payment request from a user;
performing ordering pre-processing according to the payment request;
determining a payment channel selected by a user;
ordering according to the payment channel selected by the user;
and feeding back the payment result after ordering processing to the user and the merchant main body.
4. The aggregated payment system of claim 1, wherein the aggregated payment system is provided with a plurality of payment means; the payment mode comprises the following steps: APP payment, quick payment, swipe payment, barcode payment, and card payment.
5. The aggregated payment system according to claim 1, wherein the aggregated payment system, when executing a refund process, is specifically configured to:
acquiring a refund request from a user;
when the merchant body corresponding to the refund request is in a normal state, judging a payment object corresponding to the refund request;
after the payment object is checked, initiating a refund through a corresponding payment channel;
and feeding back the refund result after the refund is initiated to the user and the merchant body.
6. The aggregate payment system of claim 1, wherein the aggregate payment system, when performing the reconciliation procedure, is specifically configured to:
acquiring and analyzing the account checking file;
automatically checking the account checking file, and comparing to generate a difference file containing differences;
and uploading the difference file.
7. The aggregate payment system of claim 6, wherein the aggregate payment system, in performing the reconciliation procedure, is further configured to:
acquiring a merchant and a third party payment channel pointed by the account checking request;
and generating and uploading a merchant account checking file corresponding to the account checking request.
8. An electronic device, comprising: the system comprises a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface complete mutual communication through the communication bus;
the memory is configured to store at least one executable instruction that causes the processor to implement the aggregated payment system as described above.
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Application publication date: 20200811 |