CN112184248B - Card organization rejection adjustment single data processing method and device - Google Patents
Card organization rejection adjustment single data processing method and device Download PDFInfo
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Abstract
The embodiment of the application provides a card organization rejection order data processing method and device, which can be used in the field of internet finance, and the method comprises the following steps: receiving a refused bill adjustment request sent by a card sender user; determining a corresponding service processing strategy according to the rejection order request and a preset service processing relation; executing corresponding card organization docking operation according to the service processing strategy, executing corresponding service processing operation after the card organization docking operation is completed, and returning the result of the service processing operation to the card issuer user; the system can accurately and reliably realize the system butt joint of different card organizations so as to smoothly finish different types of business processing of the different card organizations.
Description
Technical Field
The application relates to the field of data processing, and also can be used in the field of internet finance, in particular to a method and a device for processing card organization rejection bill data.
Background
The bank card industry comprises a plurality of sub-industries of card issuing, clearing, bill collecting, other peripheral services (such as card making, IT service) and the like, integrates various services of consumption, settlement, credit and the like, wherein the function of a card organization is mainly to connect a card issuing mechanism and a bill collecting mechanism, and complete a series of complex fund clearing processes of funds flowing from the card issuing mechanism to the middle of the bill collecting mechanism. In the process of fund clearing, the card issuing party needs to initiate a bill adjustment request to the card organization, so as to call a certain transaction bill, then make a rejection service, and solve the related complaint disputes, which is the main function of the card organization rejection bill adjustment system.
With the release of new bank card clearing service licenses and the popularization of internet connection and internet payment, new joint venture card organizations are about to enter the bank card clearing market in China, and each card organization has different service types and data interaction parameters, so that how the card organization refusing payment bill regulating system is connected with different card organizations to smoothly finish the service processing operation is a problem to be solved.
Disclosure of Invention
Aiming at the problems in the prior art, the application provides a card organization rejection and dispatch data processing method and device, which can accurately and reliably realize system docking with different card organizations so as to smoothly complete different types of business processing of the different card organizations.
In order to solve at least one of the above problems, the present application provides the following technical solutions:
in a first aspect, the present application provides a card organization rejection single data processing method, including:
receiving a refused bill adjustment request sent by a card sender user;
determining a corresponding service processing strategy according to the rejection order request and a preset service processing relation;
executing corresponding card organization docking operation according to the service processing strategy, executing corresponding service processing operation after the card organization docking operation is completed, and returning the result of the service processing operation to the card issuer user
Further, before determining the corresponding service processing policy according to the rejection order request and the preset service processing relationship, the method further includes:
judging whether a preset service processing relation corresponding to the rejection order request exists or not;
if not, determining at least one business processing relation according to the original transaction information in the rejection order request.
Further, the determining at least one business processing relationship according to the original transaction information in the rejection order request comprises:
and respectively arranging and combining different card organization categories in the original transaction information in the rejection order request with different service types to obtain at least one service processing relation.
Further, the executing the corresponding card organization docking operation according to the service processing policy includes:
determining corresponding card organization interface addresses and service docking parameters according to the card organization types and the service types in the service processing strategies;
and establishing a communication channel with the corresponding card organization according to the card organization interface address and the service docking parameters.
In a second aspect, the present application provides a card organization rejection order single data processing apparatus comprising:
The refused bill request receiving module is used for receiving the refused bill request sent by the card sender user;
the service processing strategy determining module is used for determining a corresponding service processing strategy according to the rejection order request and a preset service processing relation;
and the card organization docking module is used for executing corresponding card organization docking operation according to the service processing strategy, executing corresponding service processing operation after the card organization docking operation is completed, and returning the result of the service processing operation to the card issuer user.
Further, the method further comprises the following steps:
the business processing relation matching unit is used for judging whether a preset business processing relation corresponding to the rejection bill request exists or not;
and the business processing relation adding unit is used for determining at least one business processing relation according to the original transaction information in the rejection bill request if the preset business processing relation corresponding to the rejection bill request is judged to be not existed.
Further, the service processing relationship adding unit includes:
and the business processing relation generation subunit is used for respectively arranging and combining different card organization categories in the original transaction information in the rejection order request with different business types to obtain at least one business processing relation.
Further, the card organization docking module includes:
the card organization characteristic information determining unit is used for determining corresponding card organization interface addresses and service docking parameters according to the card organization types and the service types in the service processing strategies;
and the card organization docking unit is used for establishing a communication channel with the corresponding card organization according to the card organization interface address and the service docking parameter.
In a third aspect, the present application provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the card organization rejection order data processing method when executing the program.
In a fourth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the card organization rejection order data processing method.
According to the technical scheme, the method and the device for processing the reject bill of the card organization are provided, by receiving the reject bill request sent by the card issuer user, and determining the business processing strategy corresponding to the reject bill request according to the reject bill request and the preset business processing relation matched with the reject bill request, namely, the card organization which can be correctly docked with the reject bill request and docking parameters required for executing corresponding business processing can be determined, so that corresponding card organization docking operation is executed according to the business processing strategy, corresponding business processing operation is executed after the card organization docking operation is completed, and the result of the business processing operation is returned to the card issuer user, thereby flexibly, accurately and automatically realizing system docking with different card organizations and smoothly completing different types of business processing of different card organizations.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a method for processing card organization rejection order data according to an embodiment of the present application;
FIG. 2 is a second flow chart of a method for processing card-organizing rejection-dispatch single data according to an embodiment of the present application;
FIG. 3 is a third flow chart of a method for processing card-organizing rejection-to-dispatch single data according to an embodiment of the present application;
FIG. 4 is one of the block diagrams of the card organization rejection order data processing apparatus in the embodiment of the present application;
FIG. 5 is a second block diagram of a card organization rejection single data processing arrangement in an embodiment of the present application;
FIG. 6 is a third block diagram of a card organization rejection single data processing arrangement in an embodiment of the present application;
FIG. 7 is a diagram showing a structure of a card organization rejection single data processing apparatus in the embodiment of the present application;
FIG. 8 is one of the block diagrams of the card organization rejection order data processing arrangement in one embodiment of the present application;
FIG. 9 is a second block diagram of a card-organizing, reject-dispatch, single-data processing device in accordance with one embodiment of the present application;
fig. 10 is a schematic structural diagram of an electronic device in an embodiment of the present application.
Detailed Description
For the purposes of making the objects, technical solutions and advantages of the embodiments of the present application more clear, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is apparent that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present application.
Considering that with the issuance of a new bank card clearing service license and the popularization of internet connection and internet payment, a new joint payment card organization is about to enter the bank card clearing market of China, each card organization has different service types and data interaction parameters, how a card organization refusing payment bill system is abutted against different card organizations to smoothly complete the service processing operation is a problem to be solved.
In order to accurately and reliably realize the system docking of different card organizations so as to successfully complete different types of business processing of the different card organizations, the application provides an embodiment of a single data processing method for card organization rejection, referring to fig. 1, the single data processing method for card organization rejection specifically comprises the following contents:
step S101: and receiving a rejection order-regulating request sent by the card sender user.
It will be appreciated that when the issuer user has a question about the original transaction record, a reject order request may be sent to the reject order system, initiating a reject order flow.
Optionally, the rejection order request may include original transaction information, where the original transaction information may be actively filled in by the user, and a specific filling template may be specifically designed according to different parameter requirements required for interfacing the rejection order system with different card organizations.
Optionally, the original transaction information includes, but is not limited to: the method comprises the steps of original transaction serial numbers, original transaction amounts, card numbers, original transaction currencies, original transaction codes, merchant numbers, merchant types, creation teller, creation time, service types and card organization categories, wherein the service types and the card organization categories are data items necessary in filling templates, and filled data can be stored in a background database for storage so as to facilitate subsequent processing.
Step S102: and determining a corresponding service processing strategy according to the rejection order request and a preset service processing relation.
Optionally, the preset service processing relationship refers to a one-to-one correspondence between a card organization category and a service type, and the number of the service processing relationships is not specifically limited herein, and may be one or more.
Specifically, after receiving the rejection order request including the original transaction information through step S101 and storing the rejection order request in the database, the present application may further group and extract the original transaction information, specifically, extract a card organization type and a service type without duplication by using the service type and the card organization type as grouping conditions, and set a service processing relationship for each combination of the card organization type and each service type, for example, there are three service processing relationships of < a, C >, < a, D >, < B, C >, where there is a card organization type A, B, a service type C, D, a service type C, D under the known card organization a, and a service type C under the known card organization B.
In other embodiments of the present application, the issuer user may also send its set business process relationships directly to the system of the present application for direct storage by the system of the present application.
Optionally, for each service processing relationship, a corresponding service processing policy may be predetermined, for example, a service processing relationship and a service processing policy are stored in a key value pair form.
Optionally, the service processing policy corresponds to different service types of different card organization types, and may specifically include an interface address of the card organization type and a service docking parameter necessary for executing the service type.
In other embodiments of the present application, the service docking parameter may also be obtained by performing data processing on the original transaction information in the rejection order request by the system of the present application, for example, calculating the birth date and the sex according to the id card number, performing conversion of the money exchange rate, performing calculation of the money, and the like.
Step S103: and executing corresponding card organization docking operation according to the service processing strategy, executing corresponding service processing operation after the card organization docking operation is completed, and returning the result of the service processing operation to the card issuer user.
Optionally, through the service processing policy obtained in step S102, the present application may implement successful docking between the rejection order request and the corresponding card organization, further implement data interaction and service processing operations between the two, and return the result to the issuer user after the service processing operation is completed, thereby ending the rejection order flow.
As can be seen from the foregoing description, the method for processing the card organization rejection order data provided in the embodiments of the present application can determine, according to the rejection order request and the preset service processing relationship matched with the rejection order request, a service processing policy corresponding to the rejection order request, that is, a card organization capable of correctly interfacing with the rejection order request and an interfacing parameter necessary for executing corresponding service processing, so as to execute a corresponding card organization interfacing operation according to the service processing policy, and execute a corresponding service processing operation after the card organization interfacing operation is completed, and return a result of the service processing operation to the card issuer user, thereby flexibly, accurately and automatically implementing system interfacing with different card organizations and smoothly completing different types of service processing of different card organizations.
In order to improve the efficiency of determining the service processing policy, in an embodiment of the card organization rejection tone data processing method of the present application, referring to fig. 2, the following may be further specifically included before the step S102:
step S201: and judging whether a preset business processing relation corresponding to the rejection order request exists or not.
Step S202: if not, determining at least one business processing relation according to the original transaction information in the rejection order request.
Optionally, after receiving a rejection order request sent by a card sender user, the method and the device preferably determine whether a local service processing relationship capable of being matched with the rejection order request is preset, if not, a service processing relationship is newly added according to original transaction information in the rejection order request, and the service processing relationship is stored locally and is used as a preset service processing relationship used in the next request processing.
In order to obtain an accurate business processing relationship, so as to determine the card organization corresponding to the rejection order request and to correctly interface with the card organization according to the business processing relationship, in an embodiment of the card organization rejection order data processing method of the present application, the step S202 may further specifically include the following:
and respectively arranging and combining different card organization categories in the original transaction information in the rejection order request with different service types to obtain at least one service processing relation.
Optionally, after receiving the rejection order request including the original transaction information through step S101 and storing the rejection order request in the database, the application may further group and extract the original transaction information, specifically, extract a card organization type and a service type without duplication using the service type and the card organization type as grouping conditions, and set a service processing relationship for each combination of the card organization type and each service type, for example, there are three service processing relationships of < a, C >, < a, D >, < B, C > where there is a card organization type A, B, a service type C, D, a service type C, D under the known card organization a, and a service type C under the known card organization B.
In order to accurately interface with the corresponding card organization, in an embodiment of the card organization rejection order data processing method of the present application, referring to fig. 3, the step S103 may further specifically include the following:
step S301: and determining corresponding card organization interface addresses and service docking parameters according to the card organization types and the service types in the service processing strategies.
Step S302: and establishing a communication channel with the corresponding card organization according to the card organization interface address and the service docking parameters.
Optionally, the service processing policy corresponds to different service types of different card organizations, and may specifically include an interface address of the card organization and a service docking parameter necessary for executing the service type.
In order to accurately and reliably realize system interfacing of different card organizations to successfully complete different types of business processes of different card organizations, the present application provides an embodiment of a card organization single data processing device for implementing all or part of the contents of the card organization single data processing method, see fig. 4 and 8, where the card organization single data processing device specifically includes the following contents:
And the rejection order request receiving module 10 is used for receiving the rejection order request sent by the sender user.
And the service processing policy determining module 20 is configured to determine a corresponding service processing policy according to the rejection order request and a preset service processing relationship.
And the card organization docking module 30 is configured to execute a corresponding card organization docking operation according to the service processing policy, execute a corresponding service processing operation after the card organization docking operation is completed, and return a result of the service processing operation to the issuer user.
As can be seen from the foregoing description, the card organization rejection order data processing device provided in the embodiments of the present application is capable of determining, by receiving a rejection order request sent by an issuer user, a service processing policy corresponding to the rejection order request according to the rejection order request and a preset service processing relationship matched with the rejection order request, that is, a card organization capable of correctly interfacing with the rejection order request and an interfacing parameter necessary for performing corresponding service processing, so as to perform a corresponding card organization interfacing operation according to the service processing policy, and perform a corresponding service processing operation after the card organization interfacing operation is completed, and return a result of the service processing operation to the issuer user, thereby flexibly, accurately and automatically implementing system interfacing with different card organizations and smoothly completing different types of service processing of different card organizations.
In order to improve the efficiency of determining the service processing policy, in an embodiment of the card organization rejection data processing device of the present application, referring to fig. 5, the following is specifically included:
and a service processing relationship matching unit 41, configured to determine whether a preset service processing relationship corresponding to the rejection order request exists.
And a service processing relationship adding unit 42, configured to determine at least one service processing relationship according to the original transaction information in the rejection order request if it is determined that there is no preset service processing relationship corresponding to the rejection order request.
In order to obtain an accurate service processing relationship, so as to determine, according to the service processing relationship, a card organization corresponding to the rejection order request and to interface with the card organization correctly, in an embodiment of the card organization rejection order data processing device of the present application, referring to fig. 6, the service processing relationship adding unit 42 includes:
the service processing relationship generating subunit 421 is configured to arrange and combine different card organization types in the original transaction information in the rejection order request with different service types, respectively, to obtain at least one service processing relationship.
In order to accurately interface with the corresponding card organization, in one embodiment of the card organization rejection order data processing apparatus of the present application, referring to fig. 7, the card organization interface module 30 includes:
and the card organization characteristic information determining unit 31 is configured to determine a corresponding card organization interface address and a corresponding service docking parameter according to the card organization type and the service type in the service processing policy.
And the card organization docking unit 32 is configured to establish a communication channel with a corresponding card organization according to the card organization interface address and the service docking parameter.
To further explain the present solution, the present application further provides a specific application example of the method for implementing the card organization rejection data processing method by using the card organization rejection data processing device, referring to fig. 9, which specifically includes the following contents:
a financial company plans to connect a rejection bill-regulating system into a communication card organization and an internet connection card organization, plans to subsequently expand and increase the connection of different card organizations so as to cover different requirements of a plurality of card organizations, and realizes flexible configuration and processing by using the invention, wherein the specific realization steps are as follows:
1) And (3) business scene analysis:
for the doubtful transaction data in the transaction process, the transaction data are divided into two types at present, wherein the type is that the record amount of a card issuing party is more than the settlement amount of a card organization, which is called as ' I's bank doubtful '; the other is that the record amount of the card sender (I) is less than the settlement amount of the card organization, which is called as ' I'm rank is less doubt '. Taking the first example, since the true amount received by the card issuing party in the suspicious scene does not reach the recorded amount, the card issuing party needs to initiate a rejection bill flow to pay back and withdraw the missing amount part. According to the processing requests of the communication card organization and the network connection card organization for the type of suspicious records, the communication card organization supports: deducting money to the merchant, requesting money to the communication organization, and supporting by the network card organization: and deducting money from the merchant and requesting money from the network organization.
2) An information processor: the part is mainly divided into two parts, including a transaction information collection module and a transaction information processing module; the transaction information collection module is mainly responsible for collecting the original transaction information required in the process of issuing the rejection order by the issuer; the transaction information processing module is mainly responsible for extracting card organization category information and business scene information which repeatedly appear in the original transaction information to generate various business scenes.
Specifically, according to the convention with the card organization specification, different business scenarios have the following different templates:
a. the connection to the merchant deducts the money from the system tracking number, the transaction initiating date, the card number, the merchant number, the original transaction date, the original transaction currency, the original recorded amount, the acceptance area, the acceptance teller, the card organization type (necessary to fill-connect the card organization) and the business type (necessary to fill-deduct the money to the merchant).
b. The communication requests money to the communication organization, namely a system tracking number, a transaction date, a card number, a user number in the communication organization, an original transaction date, an original transaction amount, an acceptance area, an acceptance teller, a card organization type (necessary to fill-the communication card organization) and a business type (necessary to fill-request money to the communication organization).
c. The network connection deducts money to the merchant: network serial number, request sending time, card number, product number, area number, network point number, teller number, merchant number, original record amount, card organization type (necessary filling-network card organization), service type (necessary filling-deducting money to merchant).
d. The internet connection requests money to the internet connection organization: network serial number, request sending time, card number, product number, area number, network point number, teller number, household number in appointed network, original record amount, card organization type (necessary filling-network card organization), business type (necessary filling-requesting to network organization).
The information processor automatically generates a template according to the convention, and after clients fill in suspicious original data according to the template, the transaction information collection module collects the suspicious original data, and the transaction information processing module obtains the card organization types: a network card organization and a communication card organization; obtaining service category: deducting money from the merchant, requesting money from the internet connection organization and requesting money from the communication organization.
3) Policy selector: the part is mainly divided into two parts, including an information gathering module and a card organization selecting module; the information aggregation module is mainly responsible for aggregating different card organization categories and service types extracted from the information processor in a structured data mode, so that the different card organization categories correspond to specific service processing types; the card organization selecting module is used for calling the converging module and realizing automatic calling of the corresponding strategy processing module according to the card organization type information in the original transaction information.
Specifically, the information convergence module generates four business processing relations of < connect-deduct money to the merchant >, < connect-deduct money to the connection organization >, < net-deduct money to the merchant >, < net-deduct money to the net-organizing solicitation money > according to the result obtained by the information processor, a corresponding strategy processor is provided for each business processing relation, which is A, B, C, D respectively, and the card organization selection module corresponds the business processing relation with the strategy processor, and the corresponding relation is { < connect-deduct money to the merchant >, A }, { < connect-solicitation money to the connection organization >, B }, { < net-deduct money to the merchant >, C }, { < net-solicitation to the net-organizing solicitation money, D }.
4) The strategy processor is directly connected with different card organizations in a butt joint mode, theoretically, the number of business scenes under the different card organizations is more than that of strategy processing modules, and each strategy processing module is mainly divided into two parts, including a butt joint processing module and a butt joint parameter configuration module; the butt joint processing module is mainly used for processing and processing the original transaction information according to a specific service scene; the docking parameter configuration module is mainly responsible for configuring related parameters required by docking, generally comprises a card organization interface address and original transaction information required by the card organization, and realizes docking of different card organizations under specific service scenes.
Specifically, for the above scenario, there are A, B, C, D policy processors, where the policy processor a processes the original data according to the requirement of the template a through the docking processing module, and configures parameters and interface addresses of the access connectivity card organization through the docking parameter configuration module; and the other three processors complete the same operation.
5) Through the operation, the system has automatic processing flows of four business processing relations of < connect-deduct to business >, < connect-deduct to connect organization >, < net-deduct to business >, < net-deduct to net-organize solicitation > and the newly received refusal payment bill flow can automatically generate business processing relations according to the request and then automatically call the corresponding strategy processor; similarly, if the customer does not want to upload the original transaction information through the template, but just wants to increase the business processing relationship, the policy selector can also complete the operation.
From the above description, the following technical effects may be at least achieved:
1. based on the flow designed by the method, the business is divided into the finest granularity, so that different business scenes of different card organizations can be conveniently expanded.
2. The policy algorithm generated based on the method can allow the simultaneous execution of multiple service scenes and does not interfere with each other.
In order to accurately and reliably realize system docking of different card organizations to successfully complete different types of business processing of different card organizations, the application provides an embodiment of an electronic device for realizing all or part of contents in a card organization rejection-to-dispatch single data processing method, wherein the electronic device specifically comprises the following contents:
a processor (processor), a memory (memory), a communication interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete communication with each other through the bus; the communication interface is used for realizing information transmission between the card organization rejection data processing device and related equipment such as a core service system, a user terminal, a related database and the like; the logic controller may be a desktop computer, a tablet computer, a mobile terminal, etc., and the embodiment is not limited thereto. In this embodiment, the logic controller may refer to an embodiment of the card organization rejection data processing method in the embodiment and an embodiment of the card organization rejection data processing device, and the contents thereof are incorporated herein and are not repeated.
It is understood that the user terminal may include a smart phone, a tablet electronic device, a network set top box, a portable computer, a desktop computer, a Personal Digital Assistant (PDA), a vehicle-mounted device, a smart wearable device, etc. Wherein, intelligent wearing equipment can include intelligent glasses, intelligent wrist-watch, intelligent bracelet etc..
In practical applications, part of the card organization rejection order data processing method may be performed on the electronic device side as described above, or all operations may be performed in the client device. Specifically, the selection may be made according to the processing capability of the client device, and restrictions of the use scenario of the user. The present application is not limited in this regard. If all operations are performed in the client device, the client device may further include a processor.
The client device may have a communication module (i.e. a communication unit) and may be connected to a remote server in a communication manner, so as to implement data transmission with the server. The server may include a server on the side of the task scheduling center, and in other implementations may include a server of an intermediate platform, such as a server of a third party server platform having a communication link with the task scheduling center server. The server may include a single computer device, a server cluster formed by a plurality of servers, or a server structure of a distributed device.
Fig. 10 is a schematic block diagram of a system configuration of an electronic device 9600 of an embodiment of the present application. As shown in fig. 10, the electronic device 9600 may include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 10 is exemplary; other types of structures may also be used in addition to or in place of the structures to implement telecommunications functions or other functions.
In one embodiment, the card organization rejection tone data processing method functions may be integrated into the central processor 9100. The central processor 9100 may be configured to perform the following control:
step S101: and receiving a rejection order-regulating request sent by the card sender user.
Step S102: and determining a corresponding service processing strategy according to the rejection order request and a preset service processing relation.
Step S103: and executing corresponding card organization docking operation according to the service processing strategy, executing corresponding service processing operation after the card organization docking operation is completed, and returning the result of the service processing operation to the card issuer user.
As can be seen from the foregoing description, the electronic device provided in this embodiment of the present application determines, according to the rejection order request sent by the card issuer user and the preset service processing relationship matched with the rejection order request, a service processing policy corresponding to the rejection order request, that is, a card organization capable of being correctly docked with the rejection order request and docking parameters necessary for executing corresponding service processing, so as to execute a corresponding card organization docking operation according to the service processing policy, and execute a corresponding service processing operation after the card organization docking operation is completed, and return a result of the service processing operation to the card issuer user, thereby flexibly, accurately and automatically implementing system docking with different card organizations and smoothly completing different types of service processing of different card organizations.
In another embodiment, the card-organization-rejection-single-data processing means may be configured separately from the central processor 9100, for example, the card-organization-rejection-single-data processing means may be configured as a chip connected to the central processor 9100, and the card-organization-rejection-single-data processing means functions are implemented by control of the central processor.
As shown in fig. 10, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 need not include all of the components shown in fig. 10; in addition, the electronic device 9600 may further include components not shown in fig. 10, and reference may be made to the related art.
As shown in fig. 10, the central processor 9100, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, which central processor 9100 receives inputs and controls the operation of the various components of the electronic device 9600.
The memory 9140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information about failure may be stored, and a program for executing the information may be stored. And the central processor 9100 can execute the program stored in the memory 9140 to realize information storage or processing, and the like.
The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. The power supply 9170 is used to provide power to the electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, but not limited to, an LCD display.
The memory 9140 may be a solid state memory such as Read Only Memory (ROM), random Access Memory (RAM), SIM card, etc. But also a memory which holds information even when powered down, can be selectively erased and provided with further data, an example of which is sometimes referred to as EPROM or the like. The memory 9140 may also be some other type of device. The memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 storing application programs and function programs or a flow for executing operations of the electronic device 9600 by the central processor 9100.
The memory 9140 may also include a data store 9143, the data store 9143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, address book applications, etc.).
The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. A communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, as in the case of conventional mobile communication terminals.
Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, etc., may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and to receive audio input from the microphone 9132 to implement usual telecommunications functions. The audio processor 9130 can include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100 so that sound can be recorded locally through the microphone 9132 and sound stored locally can be played through the speaker 9131.
The embodiments of the present application further provide a computer-readable storage medium capable of implementing all steps in the card organization single data processing method in which the execution subject in the above embodiments is a server or a client, the computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements all steps in the card organization single data processing method in which the execution subject in the above embodiments is a server or a client, for example, the processor implements the following steps when executing the computer program:
Step S101: and receiving a rejection order-regulating request sent by the card sender user.
Step S102: and determining a corresponding service processing strategy according to the rejection order request and a preset service processing relation.
Step S103: and executing corresponding card organization docking operation according to the service processing strategy, executing corresponding service processing operation after the card organization docking operation is completed, and returning the result of the service processing operation to the card issuer user.
As can be seen from the foregoing description, the computer readable storage medium provided in the embodiments of the present application determines, according to a rejection order request sent by an issuer user and a preset service processing relationship matched with the rejection order request, a service processing policy corresponding to the rejection order request, that is, a card organization capable of correctly interfacing with the rejection order request and docking parameters necessary for executing corresponding service processing, so as to execute a corresponding card organization docking operation according to the service processing policy, and execute a corresponding service processing operation after the card organization docking operation is completed, and return a result of the service processing operation to the issuer user, thereby flexibly, accurately and automatically implementing system docking with different card organizations and smoothly completing different types of service processing of different card organizations.
It will be apparent to those skilled in the art that embodiments of the present invention may be provided as a method, apparatus, 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 (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principles and embodiments of the present invention have been described in detail with reference to specific examples, which are provided to facilitate understanding of the method and core ideas of the present invention; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.
Claims (10)
1. A method for processing card organization rejection-adjustment single data, the method comprising:
receiving a refused bill adjustment request sent by a card sender user;
determining a corresponding service processing strategy according to the rejection order request and a preset service processing relation, wherein the preset service processing relation is a one-to-one correspondence relation between a card organization type and a service type, when the rejection order request is received, the service type and the card organization type are respectively used as grouping conditions, the card organization type and the service type without repetition are extracted, and a service processing relation is set for the combination of each card organization type and each service type; the service processing strategy corresponds to different service types of different card organization categories and comprises interface addresses of the card organization categories and service docking parameters necessary for executing the service types; the business types comprise deduction of money to the merchant and solicitation of money to the corresponding card organization corresponding to the card organization types respectively; the service docking parameters are obtained by processing data of the original transaction information in the refused bill request;
and executing corresponding card organization docking operation according to the service processing strategy, executing corresponding service processing operation after the card organization docking operation is completed, and returning the result of the service processing operation to the card issuer user.
2. The card organization rejection order data processing method according to claim 1, further comprising, before the determining the corresponding service processing policy according to the rejection order request and a preset service processing relationship:
judging whether a preset service processing relation corresponding to the rejection order request exists or not;
if not, determining at least one business processing relation according to the original transaction information in the rejection order request.
3. The card organization single data processing method of claim 2, wherein said determining at least one business process relationship based on the original transaction information in the single request comprises:
and respectively arranging and combining different card organization categories in the original transaction information in the rejection order request with different service types to obtain at least one service processing relation.
4. The card organization rejection single data processing method according to claim 1, wherein the performing a corresponding card organization interfacing operation according to the service processing policy comprises:
determining corresponding card organization interface addresses and service docking parameters according to the card organization types and the service types in the service processing strategies;
And establishing a communication channel with the corresponding card organization according to the card organization interface address and the service docking parameters.
5. A card organization single data processing apparatus, comprising:
the refused bill request receiving module is used for receiving the refused bill request sent by the card sender user;
the service processing strategy determining module is used for determining a corresponding service processing strategy according to the rejection order request and a preset service processing relation, wherein the preset service processing relation is a one-to-one correspondence relation between a card organization type and a service type, after receiving the rejection order request, the service type and the card organization type are respectively used as grouping conditions, the card organization type and the service type without repetition are extracted, and a service processing relation is set for the combination of each card organization type and each service type; the service processing strategy corresponds to different service types of different card organization categories and comprises interface addresses of the card organization categories and service docking parameters necessary for executing the service types; the business types comprise deduction of money to the merchant and solicitation of money to the corresponding card organization corresponding to the card organization types respectively; the service docking parameters are obtained by processing data of the original transaction information in the refused bill request;
And the card organization docking module is used for executing corresponding card organization docking operation according to the service processing strategy, executing corresponding service processing operation after the card organization docking operation is completed, and returning the result of the service processing operation to the card issuer user.
6. The card organization rejection single data processing arrangement of claim 5, further comprising:
the business processing relation matching unit is used for judging whether a preset business processing relation corresponding to the rejection bill request exists or not;
and the business processing relation adding unit is used for determining at least one business processing relation according to the original transaction information in the rejection bill request if the preset business processing relation corresponding to the rejection bill request is judged to be not existed.
7. The card organization rejection single data processing apparatus according to claim 6, wherein the service processing relationship adding unit includes:
and the business processing relation generation subunit is used for respectively arranging and combining different card organization categories in the original transaction information in the rejection order request with different business types to obtain at least one business processing relation.
8. The card organization rejection single data processing arrangement of claim 5, wherein the card organization docking module comprises:
the card organization characteristic information determining unit is used for determining corresponding card organization interface addresses and service docking parameters according to the card organization types and the service types in the service processing strategies;
and the card organization docking unit is used for establishing a communication channel with the corresponding card organization according to the card organization interface address and the service docking parameter.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor performs the steps of the card organization rejection order data processing method of any of claims 1 to 4 when executing the program.
10. A computer-readable storage medium having stored thereon a computer program, characterized in that the computer program, when executed by a processor, implements the steps of the card organization rejection order data processing method of any one of claims 1 to 4.
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