CN112163858A - Transaction method, device and equipment - Google Patents
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- 238000012790 confirmation Methods 0.000 claims description 4
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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- 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
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Abstract
The invention provides a transaction method, a device and equipment, wherein the method comprises the following steps: receiving an account opening request of a merchant, generating corresponding account information and returning the account information to an acquiring mechanism, wherein the account information comprises a collection settlement account, a frozen amount account and an available balance account, the collection settlement account is used for being connected with the acquiring mechanism, the frozen amount account is used for storing the amount to be divided, and the available balance account is used for storing the amount which can be reflected; and receiving a verification request of the order receiving mechanism, and returning merchant information to the order receiving mechanism number according to the verification request to finish the entrance of the order receiving mechanism, so that the problem of loss of merchants and consumers caused by platform cash withdrawal is avoided.
Description
Technical Field
The present invention relates to the field of communications technologies, and in particular, to a transaction method, an apparatus, and a device.
Background
The existing transaction platform collects money first and then clears the funds to each resident merchant of the platform, and as most of the transaction platforms do not have payment license plates of the transaction platforms, an illegal fund pool is formed, and if the platform withdraws money to run away, great loss is caused to the merchants and consumers.
In view of this, the present application is presented.
Disclosure of Invention
The invention discloses a trading method, a trading device and trading equipment, and aims to avoid the second clear risk division.
A first embodiment of the present invention provides a transaction method, including:
receiving an account opening request of a merchant, generating corresponding account information and returning the account information to an acquiring mechanism, wherein the account information comprises a collection and settlement user, a frozen amount account and an available balance account, the collection and settlement user is used for connecting the acquiring mechanism, the frozen amount account is used for storing the amount of money to be divided, and the available balance account is used for storing the amount of money which can be reflected;
and receiving a verification request of the order receiving mechanism, and returning merchant information to the order receiving mechanism number according to the verification request so as to finish the entrance of the order receiving mechanism.
Preferably, the receiving an account opening request of a merchant, generating corresponding account information, and returning the account information to the acquirer specifically includes:
receiving a Unionpay mechanism number and an acquiring mechanism number of a merchant, and sending the Unionpay mechanism number and the acquiring mechanism number to a bank end;
and receiving settlement private account information returned by the bank end, and forwarding the settlement private account information to the receipt structure.
Preferably, the receiving a verification request of the acquirer, and returning merchant information to the acquirer number according to the verification request to complete the entry of the acquirer specifically includes:
receiving account information of an acquiring mechanism, and acquiring a merchant matched with the account information;
and sending the information of the merchant to the acquirer.
Preferably, the method further comprises the following steps:
receiving a supplementary form establishing request of the order receiving mechanism;
and according to the bill supplementing establishing request, marking the account information matched with the acquiring mechanism, and returning the marked information to the acquiring mechanism.
Preferably, the method further comprises the following steps:
receiving a refund request of the acquirer;
judging whether the corresponding order executes the sub-accounting or not according to the refund request;
and when the order is judged not to be subjected to the account splitting, returning refund confirmation information to the order receiving mechanism.
Preferably, the method further comprises the following steps:
when the order is judged to have executed the account distribution, sending the refund request to a bank terminal;
and acquiring a separate account return execution result of the bank end, and returning the execution result to the acquiring mechanism.
A second embodiment of the present invention provides a transaction apparatus comprising
The account opening request receiving unit is used for receiving an account opening request of a merchant and generating corresponding account information to return to an acquiring mechanism, wherein the account information comprises a collection account, a frozen amount account and an available balance account, the collection account is used for being connected with the acquiring mechanism, the frozen amount account is used for storing the amount to be divided, and the available balance account is used for storing the amount which can be reflected;
and the verification request receiving unit is used for receiving the verification request of the acquirer and returning the merchant information to the acquirer number according to the verification request so as to finish the entrance of the acquirer.
Preferably, the account opening request receiving unit is specifically configured to:
receiving a Unionpay mechanism number and an acquiring mechanism number of a merchant, and sending the Unionpay mechanism number and the acquiring mechanism number to a bank end;
and receiving settlement private account information returned by the bank end, and forwarding the settlement private account information to the receipt structure.
Preferably, the verification request receiving unit is specifically configured to:
receiving account information of an acquiring mechanism, and acquiring a merchant matched with the account information;
and sending the information of the merchant to the acquirer.
A third embodiment of the invention provides a transaction device comprising a processor, a memory and a computer program stored in the memory and configured to be executed by the processor, the processor executing the computer program to implement a transaction method as described in any one of the above.
Based on the transaction method, the device and the equipment provided by the invention, the bank end generates a special settlement account associated with the merchant by receiving the account opening request information of the merchant and forwarding the account opening request information to the bank end, wherein the special settlement account is directly associated with the merchant and the acquirer so that the money received by the acquirer is directly managed by the bank, and the problem of merchant and consumer loss caused by platform money drawing and potential escaping can be avoided.
Drawings
FIG. 1 is a flow chart of a transaction method according to a first embodiment of the present invention;
fig. 2 is a schematic structural diagram of a transaction apparatus according to a second embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In order to better understand the technical solution of the present invention, the following detailed description is made on the embodiments of the present invention with reference to the accompanying drawings.
It should be understood that the described embodiments are only some embodiments of the invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terminology used in the embodiments of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular forms "a", "an", and "the" as used in the embodiments of the present invention and the appended claims are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be understood that the term "and/or" as used herein is merely one type of association that describes an associated object, meaning that three relationships may exist, e.g., a and/or B may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the preceding and following associated objects are in an "or" relationship.
The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination" or "in response to a detection", depending on the context. Similarly, the phrases "if determined" or "if detected (a stated condition or event)" may be interpreted as "when determined" or "in response to a determination" or "when detected (a stated condition or event)" or "in response to a detection (a stated condition or event)", depending on the context.
In the embodiments, the references to "first \ second" are merely to distinguish similar objects and do not represent a specific ordering for the objects, and it is to be understood that "first \ second" may be interchanged with a specific order or sequence, where the context allows. It should be understood that "first \ second" distinct objects may be interchanged under appropriate circumstances such that the embodiments described herein may be implemented in sequences other than those illustrated or described herein.
The following detailed description of specific embodiments of the invention refers to the accompanying drawings.
The invention discloses a trading method, a trading device and trading equipment, and aims to avoid the second clear risk division.
Referring to fig. 1, a first embodiment of the present invention provides a transaction method, which can be executed by a transaction device, and in particular, executed by one or more processors in the transaction device, to implement the following steps;
s101, receiving an account opening request of a merchant, generating corresponding account information and returning the account information to an acquiring mechanism, wherein the account information comprises a collection settlement user, a frozen amount account and an available balance account, the collection settlement user is used for connecting with the acquiring mechanism, the frozen amount account is used for storing the amount to be divided, and the available balance account is used for storing the amount which can be reflected;
in this embodiment, the transaction device may be a server located at a cloud, and the server at the cloud may establish communication connections with the merchant end, the receipt structure end, and the bank end to implement data interaction.
Particularly, in this embodiment, data used for performing a transaction may be stored in the server, the server receives account opening request information of the merchant terminal in real time, where the account opening request information may include a unionpay institution number and an acquirer number, the unionpay institution number and the acquirer number are sent to the bank terminal, the bank terminal returns an account information to the server, the server sends the account information to the merchant, it can be understood that a settlement special account is returned by the bank, and the settlement special account may include a collection account, a frozen amount account and an available balance account, where the collection account is used for interfacing with the acquirer, the frozen amount account is used for storing an amount to be separated, and the available balance account is used for storing an amount that can be reflected; specifically, the acquiring mechanism may be a mechanism with a license plate for payment, such as a payment treasure or a WeChat, and after receiving the money, the acquiring mechanism enters the payment settlement account, then the money is entered into the frozen amount account after reconciling the order and the entered amount, and then the money is distributed from the frozen amount to the available balance accounts of the respective distributors according to the distribution rule, and the funds in the available balance accounts can be used for actual cash withdrawal.
S102, receiving a verification request of the acquirer, and returning merchant information to the acquirer number according to the verification request to finish the entrance of the acquirer.
In this embodiment, the acquiring mechanism needs to park in the server and then associate with the corresponding merchant, specifically, the acquiring mechanism holding account information sends the account information to the server, the server obtains the merchant associated with the account information, and the server sends the information of the merchant to the acquiring mechanism to complete verification and then complete parking of the acquiring mechanism.
In this embodiment, the method further includes:
receiving a supplementary form establishing request of the order receiving mechanism;
and according to the bill supplementing establishing request, marking the account information matched with the acquiring mechanism, and returning the marked information to the acquiring mechanism.
It can be understood that, when the receipt structure receives the money, the server initiates a receipt creation request (for recording transaction details, such as income amount, etc.), when the server receives the receipt creation request, the server records on the server, and forwards the receipt creation request to the bank terminal, when the bank terminal receives the receipt creation request, the bank terminal records on the bank terminal, and the server receives the recording result of the bank terminal and returns the recording result to the receipt structure, so as to complete three-party recording, for performing three-party account checking later.
In this embodiment, the method further includes:
receiving a refund request of the acquirer;
judging whether the corresponding order executes the sub-accounting or not according to the refund request;
and when the order is judged not to be subjected to the account splitting, returning refund confirmation information to the order receiving mechanism.
It should be noted that, when the customer is not satisfied with the product and initiates the refund, the acquiring mechanism processes the refund initiating service, and further sends the refund request to the server, the server may determine whether the corresponding order of the refund request has already executed the overdraft, and when determining that the order has not executed the overdraft, return a refund confirmation message to the acquiring mechanism and record on the server, the acquiring mechanism executes the refund action.
When the server judges that the order has executed the account distribution, the refund request is sent to a bank terminal; and the server acquires the account splitting return execution result of the bank end and returns the execution result to the acquiring mechanism.
In this embodiment, when the server detects that there is a large-amount order, the online banking account transfer interface is created, and at this time, a dynamic bank card number is generated to receive a large-amount fund of a consumer, where the dynamic bank card number is automatically associated with account information of a merchant, and may send a short message to the corresponding merchant to remind the merchant of the fund posting situation.
In this embodiment, when the server detects that a consumer initiates combined payment (for example, when the consumer purchases products of two different merchants at the same time), the server forwards the combined payment request to the bank end, and the bank end detects whether the account of the opposite side has sufficient funds, allows the consumer to complete the combined payment if the sufficient funds are detected, and after the combined payment is received, bills are distributed into accounts of the merchants.
Referring to FIG. 2, a second embodiment of the present invention provides a transaction apparatus, comprising
An account opening request receiving unit 201, configured to receive an account opening request of a merchant, generate corresponding account information, and return the account information to an acquiring mechanism, where the account information includes a collection account, a frozen amount account, and an available balance account, where the collection account is used to interface with the acquiring mechanism, the frozen amount account is used to store an amount to be separated, and the available balance account is used to store an amount that can be reflected;
a verification request receiving unit 202, configured to receive a verification request of the acquirer, and return merchant information to the acquirer number according to the verification request, so as to complete parking of the acquirer.
Preferably, the account opening request receiving unit 201 is specifically configured to:
receiving a Unionpay mechanism number and an acquiring mechanism number of a merchant, and sending the Unionpay mechanism number and the acquiring mechanism number to a bank end;
and receiving settlement private account information returned by the bank end, and forwarding the settlement private account information to the receipt structure.
Preferably, the verification request receiving unit 202 is specifically configured to:
receiving account information of an acquiring mechanism, and acquiring a merchant matched with the account information;
and sending the information of the merchant to the acquirer.
A third embodiment of the invention provides a transaction device comprising a processor, a memory and a computer program stored in the memory and configured to be executed by the processor, the processor executing the computer program to implement a transaction method as described in any one of the above.
A fourth embodiment of the invention provides a computer-readable storage medium storing a computer program executable by a processor of a device in which the storage medium is located to implement a transaction method as described in any one of the above.
Based on the transaction method, the device and the equipment provided by the invention, the bank end generates a special settlement account associated with the merchant by receiving the account opening request information of the merchant and forwarding the account opening request information to the bank end, wherein the special settlement account is directly associated with the merchant and the acquirer so that the money received by the acquirer is directly managed by the bank, and the problem of merchant and consumer loss caused by platform money drawing and potential escaping can be avoided.
Illustratively, the computer programs described in the third and fourth embodiments of the present invention may be partitioned into one or more modules, which are stored in the memory and executed by the processor to implement the present invention. The one or more modules may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution of the computer program in the implementation of a transaction device. For example, the device described in the second embodiment of the present invention.
The Processor may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, or the like. The general purpose processor may be a microprocessor or the processor may be any conventional processor or the like, the processor being the control center for the transaction method, the implementation being based on various parts of a transaction method, connected throughout the implementation using various interfaces and lines.
The memory may be used to store the computer programs and/or modules, and the processor may implement various functions based on the transaction method by executing or executing the computer programs and/or modules stored in the memory and calling data stored in the memory. The memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program (such as a sound playing function, a text conversion function, etc.) required by at least one function, and the like; the storage data area may store data (such as audio data, text message data, etc.) created according to the use of the cellular phone, etc. In addition, the memory may include high speed random access memory, and may also include non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), at least one magnetic disk storage device, a Flash memory device, or other volatile solid state storage device.
Wherein the implemented module, if implemented in the form of a software functional unit and sold or used as a stand-alone product, can be stored in a computer readable storage medium. With such understanding, all or part of the flow of the method according to the embodiments of the present invention may be implemented by a computer program, which may be stored in a computer-readable storage medium and used by a processor to implement the steps of the above-described embodiments of the method. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals in accordance with legislation and patent practice.
It should be noted that the above-described embodiments of the apparatus are merely schematic, where the units described as separate parts may or may not be physically separate, and the parts shown as units may or may not be physical units, may be located in one place, or may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. In addition, in the drawings of the embodiment of the apparatus provided by the present invention, the connection relationship between the modules indicates that there is a communication connection between them, and may be specifically implemented as one or more communication buses or signal lines. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A method of trading, comprising:
receiving an account opening request of a merchant, generating corresponding account information and returning the account information to an acquiring mechanism, wherein the account information comprises a collection settlement account, a frozen amount account and an available balance account, the collection settlement account is used for being connected with the acquiring mechanism, the frozen amount account is used for storing the amount to be separated, and the available balance account is used for storing the amount which can be withdrawn;
and receiving a verification request of the acquiring mechanism, and returning merchant information to the acquiring mechanism number according to the verification request so as to finish the entrance of the acquiring mechanism.
2. The transaction method according to claim 1, wherein the receiving of the account opening request of the merchant and the generating of the corresponding account information to return to the acquirer are specifically:
receiving a Unionpay mechanism number and an acquiring mechanism number of a merchant, and sending the Unionpay mechanism number and the acquiring mechanism number to a bank end;
and receiving settlement private account information returned by the bank end, and forwarding the settlement private account information to the receipt structure.
3. The transaction method according to claim 1, wherein the receiving of the verification request of the acquirer, and the returning of the merchant information to the acquirer number according to the verification request, to complete the parking of the acquirer, specifically:
receiving account information of an acquiring mechanism, and acquiring a merchant matched with the account information;
and sending the information of the merchant to the acquirer.
4. A transaction method according to claim 1, further comprising:
receiving a supplementary form establishing request of the order receiving mechanism;
and according to the bill supplementing establishing request, marking the account information matched with the acquiring mechanism, and returning the marked information to the acquiring mechanism.
5. A transaction method according to claim 1, further comprising:
receiving a refund request of the acquirer;
judging whether the corresponding order executes the sub-accounting or not according to the refund request;
and when the order is judged not to be subjected to the account splitting, returning refund confirmation information to the order receiving mechanism.
6. The transaction method according to claim 5, further comprising:
when the order is judged to have executed the account distribution, sending the refund request to a bank terminal;
and acquiring a separate account return execution result of the bank end, and returning the execution result to the acquiring mechanism.
7. A transaction apparatus, comprising
The account opening request receiving unit is used for receiving an account opening request of a merchant, generating corresponding account information and returning the account information to an acquiring mechanism, wherein the account information comprises a collection account, a frozen amount account and an available balance account, the collection account is used for being connected with the acquiring mechanism, the frozen amount account is used for storing the amount to be divided, and the available balance account is used for storing the amount which can be reflected;
and the verification request receiving unit is used for receiving the verification request of the acquiring mechanism and returning the merchant information to the acquiring mechanism number according to the verification request so as to finish the entrance of the acquiring mechanism.
8. The transaction apparatus according to claim 7, wherein the account opening request receiving unit is specifically configured to:
receiving a Unionpay mechanism number and an acquiring mechanism number of a merchant, and sending the Unionpay mechanism number and the acquiring mechanism number to a bank end;
and receiving settlement private account information returned by the bank end, and forwarding the settlement private account information to the receipt structure.
9. The transaction arrangement according to claim 7, wherein the authentication request receiving unit is specifically configured to:
receiving account information of an acquiring mechanism, and acquiring a merchant matched with the account information;
and sending the information of the merchant to the acquirer.
10. A transaction device comprising a processor, a memory, and a computer program stored in the memory and configured to be executed by the processor, the processor executing the computer program to implement a transaction method as claimed in any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011077169.9A CN112163858A (en) | 2020-10-10 | 2020-10-10 | Transaction method, device and equipment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202011077169.9A CN112163858A (en) | 2020-10-10 | 2020-10-10 | Transaction method, device and equipment |
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| CN112163858A true CN112163858A (en) | 2021-01-01 |
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Cited By (1)
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| CN113283907B (en) * | 2021-05-31 | 2024-05-03 | 中国民航信息网络股份有限公司 | Order request processing method, related device and storage medium |
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