CN112785380A - Transaction processing method and device - Google Patents

Transaction processing method and device Download PDF

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Publication number
CN112785380A
CN112785380A CN202110095466.4A CN202110095466A CN112785380A CN 112785380 A CN112785380 A CN 112785380A CN 202110095466 A CN202110095466 A CN 202110095466A CN 112785380 A CN112785380 A CN 112785380A
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order
purchasing
payment
code
information
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CN112785380B (en
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张泽涛
冯伟伦
麦倩
王冠
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
    • G06Q30/0635—Processing of requisition or of purchase orders
    • G06Q30/0637—Approvals
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction

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  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The application provides a transaction processing method and a device, which can be used in the financial field or other fields, wherein the transaction processing method comprises the following steps: receiving and storing order payment information corresponding to a plurality of electronic commerce websites; if the financial login request is received, outputting order payment information corresponding to the financial login request as to-be-processed order payment information according to a first purchase code corresponding to the financial login request; and if the signature payment request corresponding to the payment information of the order to be processed is received, executing transaction processing corresponding to the signature payment request. The method and the device can realize unified processing of the order information of the electronic commerce websites, improve the efficiency and accuracy of transaction processing, and further effectively improve the security of transaction processing.

Description

Transaction processing method and device
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a transaction processing method and apparatus.
Background
With the rapid development of internet technology, many enterprises search suitable raw materials for purchase on-line e-commerce websites, and a general e-commerce website requires that order payment is completed within a certain time limit after purchase order placement, but the purchasing personnel does not have the related authority of bank operation, in the prior art, in order to realize the separation of purchasing financial roles, part of electronic commerce websites can also distribute users to financial personnel, so that the financial personnel can complete payment for ordering of the purchasing personnel, but often a purchaser places an order at multiple e-commerce sites, and not all e-commerce sites are capable of supporting separation of purchasing and financial roles, even if the users who establish different roles can be supported, financial staff need to manage a plurality of electronic commerce website users, the financial staff burden is invisibly increased, and purchasing and financial role separation can not be really realized.
With the rapid development of enterprise business and the internal control management standard, online enterprise electronic commerce transactions are more and more popular, and the separation of purchasing and financial roles is more and more necessary.
Disclosure of Invention
Aiming at the problems in the prior art, the application provides a transaction processing method and a transaction processing device, which can realize unified processing of order information of a plurality of electronic commerce websites, improve the efficiency and accuracy of transaction processing, and further effectively improve the security of transactions.
In order to solve the technical problem, the present application provides the following technical solutions:
in a first aspect, the present application provides a transaction processing method, comprising:
receiving and storing order payment information corresponding to a plurality of electronic commerce websites;
if the financial login request is received, outputting order payment information corresponding to the financial login request as to-be-processed order payment information according to a first purchase code corresponding to the financial login request;
and if the signature payment request corresponding to the payment information of the order to be processed is received, executing transaction processing corresponding to the signature payment request.
Further, the receiving and storing the order payment information corresponding to each of the plurality of electronic commerce websites includes:
receiving order payment information corresponding to each of a plurality of electronic commerce websites, wherein the order payment information comprises: the second purchasing code, the amount of the order, the first purchasing staff information and the order generation time;
and obtaining corresponding purchase code information according to the second purchase code, wherein the purchase code information comprises: second purchasing personnel information, a valid period of a purchasing code, a single limit of the purchasing code, a daily accumulated limit of the purchasing code, a monthly accumulated limit of the purchasing code, used times, supported use times, daily accumulated order amount and monthly accumulated order amount;
and if the first purchasing staff information is the same as the second purchasing staff information, the order generation time is within the validity period of the purchasing code, the number of times of use plus 1 is not more than the number of times of use support, the order amount is not more than the single limit of the purchasing code, the sum of the order amount and the daily accumulated order amount is not more than the daily accumulated limit of the purchasing code, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the monthly accumulated limit of the purchasing code, storing the order payment information.
Further, if the signed payment request corresponding to the payment information of the to-be-processed order is received, executing transaction processing corresponding to the signed payment request, including:
if a signature payment request corresponding to the payment information of the order to be processed is received, acquiring a direct payment limit corresponding to the signature payment request;
and if the directly payable limit corresponding to the signature payment request is larger than the order amount in the payment information of the order to be processed, executing transaction processing corresponding to the payment information of the order to be processed.
Further, after obtaining the directly payable limit corresponding to the signed payment request, the method further includes:
if the directly payable limit is not larger than the order amount in the payment information of the order to be processed, determining a corresponding multi-level authorized limit according to the payment information of the order to be processed;
and if the authorized limit of each stage is larger than the amount of the order, executing the batch operation and the transaction processing of the signature payment request in sequence.
Further, before the receiving and storing the order payment information corresponding to each of the plurality of electronic commerce websites, the method further includes:
generating a plurality of different second purchasing codes and setting purchasing code information corresponding to each second purchasing code;
and sending each second purchasing code to the terminal equipment of the corresponding purchasing personnel.
In a second aspect, the present application provides a transaction processing apparatus comprising:
the receiving module is used for receiving and storing order payment information corresponding to a plurality of electronic commerce websites;
the output module is used for outputting order payment information corresponding to the financial login request as to-be-processed order payment information according to the first purchase code corresponding to the financial login request if the financial login request is received;
and the transaction processing module is used for executing transaction processing corresponding to the signature payment request if the signature payment request corresponding to the payment information of the order to be processed is received.
Further, the receiving module includes:
the receiving unit is used for receiving order payment information corresponding to each of a plurality of electronic commerce websites, and the order payment information comprises: the second purchasing code, the amount of the order, the first purchasing staff information and the order generation time;
and the judging unit is used for obtaining the corresponding purchasing code information according to the second purchasing code, and the purchasing code information comprises: second purchasing personnel information, a valid period of a purchasing code, a single limit of the purchasing code, a daily accumulated limit of the purchasing code, a monthly accumulated limit of the purchasing code, used times, supported use times, daily accumulated order amount and monthly accumulated order amount;
and the storage unit is used for storing the order payment information if the first purchasing staff information is the same as the second purchasing staff information, the order generation time is within the validity period of the purchasing code, the number of times of use plus 1 is not more than the number of times of use supported, the order amount is not more than the single limit of the purchasing code, the sum of the order amount and the daily accumulated order amount is not more than the daily accumulated limit of the purchasing code, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the monthly accumulated limit of the purchasing code.
Further, the transaction processing module includes:
the acquisition unit is used for acquiring the direct payment limit corresponding to the signed payment request if the signed payment request corresponding to the payment information of the order to be processed is received;
and the processing unit is used for executing transaction processing corresponding to the payment information of the order to be processed if the direct payment limit corresponding to the signature payment request is larger than the order amount in the payment information of the order to be processed.
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, wherein the processor implements the transaction processing method when executing the program.
In a fourth aspect, the present application provides a computer readable storage medium having stored thereon computer instructions that, when executed, implement the transaction processing method.
According to the technical scheme, the application provides a transaction processing method and device. Wherein, the method comprises the following steps: receiving and storing order payment information corresponding to a plurality of electronic commerce websites; if the financial login request is received, outputting order payment information corresponding to the financial login request as to-be-processed order payment information according to a first purchase code corresponding to the financial login request; if a signature payment request corresponding to the payment information of the order to be processed is received, executing transaction processing corresponding to the signature payment request; the transaction processing method can realize the unified processing of the transactions of a plurality of electronic commerce websites, improve the efficiency and the accuracy of the transaction processing, and further effectively improve the security of the transactions; specifically, the purchasing personnel can complete order payment through the purchasing code, the rapid development of current and future services is adapted, and the method mainly has the following advantages: and (I) purchasing financial staff only need to manage respective system software users, so that the crossing is avoided, and the purchasing financial role separation is thoroughly realized. And secondly, whether corresponding purchase codes are issued according to different purchase scenes or not can be judged by presetting the limit, the validity period, the use times and the holder of the purchase codes, and whether various service development can be supported or not can be flexibly configured. And thirdly, according to the examination and approval control of each level of the order amount, the purchase code order can be approved by a reasonable examining and approving person, and the fund risk is effectively controlled.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic flow chart diagram of a transaction processing method in an embodiment of the present application;
FIG. 2 is a schematic flow chart illustrating steps 111-113 of the transaction processing method according to the embodiment of the present application;
FIG. 3 is a schematic flow chart of a purchase code issuing process in an example of application of the present application;
FIG. 4 is a flow chart illustrating an ordering process of an enterprise e-commerce website in an example of application of the present application;
FIG. 5 is a flow chart illustrating a transaction processing process in an exemplary application of the present application;
FIG. 6 is a schematic diagram of the structure of a transaction processing device in an embodiment of the present application;
FIG. 7 is a schematic diagram of a transaction processing device according to an exemplary embodiment of the present application;
fig. 8 is a block diagram schematically illustrating a system configuration of an electronic device 9600 according to an embodiment of the present application.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present specification, 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 obvious that the described embodiments are only a part of the embodiments of the present application, 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 application.
In order to implement unified processing of order information of a plurality of e-commerce websites, improve efficiency and accuracy of transaction processing, and further effectively improve security of transactions, an embodiment of the present application provides a transaction processing apparatus, which may be a server or a client device, where the client device 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, an intelligent wearable device, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch and intelligent bracelet etc..
In practical applications, part of the transaction processing may be performed at the server side as described above, or all operations may be performed at the client device. The selection may be specifically performed according to the processing capability of the client device, the limitation of the user usage scenario, and the like. This is not a limitation of the present application. The client device may further include a processor if all operations are performed in the client device.
The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.
The server and the client device may communicate using any suitable network protocol, including network protocols not yet developed at the filing date of this application. The network protocol may include, for example, a TCP/IP protocol, a UDP/IP protocol, an HTTP protocol, an HTTPS protocol, or the like. Of course, the network Protocol may also include, for example, an RPC Protocol (Remote Procedure Call Protocol), a REST Protocol (Representational State Transfer Protocol), and the like used above the above Protocol.
It should be noted that the transaction processing method and apparatus disclosed in the present application can be used in the field of financial technology, and can also be used in any field other than the field of financial technology.
The following examples are intended to illustrate the details.
In order to implement unified processing of order information of multiple e-commerce websites, improve efficiency and accuracy of transaction processing, and further effectively improve security of transactions, the present embodiment provides a transaction processing method in which an execution subject is a transaction processing device, the transaction processing device includes but is not limited to a server, as shown in fig. 1, and the method specifically includes the following contents:
step 100: and receiving and storing order payment information corresponding to the plurality of electronic commerce websites.
Specifically, the e-commerce website may be a B2B website, i.e., a website that provides a business-to-business e-commerce activity platform. The order payment information may include: order information and a second purchase code; the order information may include: purchasing staff information, order amount, order date and the like; the second purchase code may be a purchase code input by a purchaser to the electronic commerce website, and is used to obtain corresponding purchase code information, and may be a character string, etc. The second purchase code in the order payment information sent by each e-commerce website may be different.
Further, before step 100, the following steps may be specifically included:
the electronic commerce website receives a commodity purchase ordering request sent by the terminal equipment of a purchaser, generates B2B order information according to the commodity purchase ordering request, and initiates an order payment request to a payment mechanism; the payment mechanism receives an order payment request submitted by the e-commerce website, if the validity of the order payment request is verified to pass, a payment desk page is provided for the terminal equipment of the purchasing staff, if the payment mechanism receives the payment bank selection information on the internet of the payment desk page, the payment request is sent to a corresponding bank system, and the transaction processing device can be the bank system.
Step 200: and if the financial login request is received, outputting order payment information corresponding to the financial login request as to-be-processed order payment information according to the first purchase code corresponding to the financial login request.
Specifically, a financial login request sent from a front end by a financial staff may be received, and the financial login request may include: financial staff identity information, such as account numbers and names; the purchase code issued by the financial staff corresponding to the financial login request can be locally obtained from the transaction processing device, namely the first purchase code; and extracting order payment information with the second purchase code being the same as the first purchase code from each order payment information, and outputting the order payment information to the front end for the financial staff to select and pay at the front end.
Step 300: and if the signature payment request corresponding to the payment information of the order to be processed is received, executing transaction processing corresponding to the signature payment request.
Specifically, if there are multiple pieces of payment information of the order to be processed, the signature payment request may correspond to one or more pieces of payment information of the order to be processed; the signature payment request can include selected information of the U shield insertion information and the payment information of the order to be processed, and is used for determining the payment information of the order to be processed for executing transaction processing and the like; executing the transaction process corresponding to the pending order payment information may be completing the order payment of the pending order payment information.
As can be seen from the above description, the transaction processing method provided in this embodiment receives and stores the order payment information corresponding to each of the plurality of electronic commerce websites; if the financial login request is received, outputting order payment information corresponding to the financial login request as to-be-processed order payment information according to a first purchase code corresponding to the financial login request; if the signature payment request corresponding to the order payment information to be processed is received, the transaction processing corresponding to the signature payment request is executed, the purchase code can be applied to improve the efficiency and accuracy of unified processing of the order information of a plurality of electronic commerce websites, and further the security of the transaction is effectively improved.
To further improve the reliability of obtaining order payment information, referring to fig. 2, in one embodiment of the present application, step 100 comprises:
step 111: receiving order payment information corresponding to each of a plurality of electronic commerce websites, wherein the order payment information comprises: the second purchase code, the amount of the order, the first purchaser information, and the order generation time.
Step 112: and obtaining corresponding purchase code information according to the second purchase code, wherein the purchase code information comprises: second purchasing personnel information, a purchasing code validity period, a purchasing code single limit, a purchasing code daily accumulated limit, a purchasing code monthly accumulated limit, used times, supported use times, daily accumulated order amount and monthly accumulated order amount.
Specifically, the purchase code information corresponding to the second purchase code may be obtained from each purchase code information stored in advance in a local area of the transaction processing device.
Step 113: and if the first purchasing staff information is the same as the second purchasing staff information, the order generation time is within the validity period of the purchasing code, the number of times of use plus 1 is not more than the number of times of use support, the order amount is not more than the single limit of the purchasing code, the sum of the order amount and the daily accumulated order amount is not more than the daily accumulated limit of the purchasing code, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the monthly accumulated limit of the purchasing code, storing the order payment information.
Specifically, the first purchasing staff information may be purchasing staff information in the order payment information, and the second purchasing staff information may be purchasing staff information in the purchasing code information obtained locally according to the second purchasing code; after a successful transaction process is performed, the used times, daily accumulated order amount and monthly accumulated order amount in the purchase code information may be updated using the order payment information corresponding to the transaction. According to the second purchase code and the order payment information, order payment information screening can be achieved, and effective order payment information is stored.
To further improve the reliability of transaction processing, in one embodiment of the present application, step 300 comprises:
step 311: and if the signature payment request corresponding to the payment information of the order to be processed is received, acquiring the direct payment limit corresponding to the signature payment request.
Specifically, the direct payable limit can be obtained according to the U shield insertion information in the signed payment request, and it can be understood that the U shield of each financial staff corresponds to the respective direct payable limit.
Step 312: and if the directly payable limit corresponding to the signature payment request is larger than the order amount in the payment information of the order to be processed, executing transaction processing corresponding to the payment information of the order to be processed.
In order to further improve the reliability of the transaction processing, in an embodiment of the present application, after step 311, the method further includes:
step 321: and if the directly payable limit is not larger than the order amount in the payment information of the order to be processed, determining the corresponding multi-stage authorized limit according to the payment information of the order to be processed.
Step 322: and if the authorized limit of each stage is larger than the amount of the order, executing the batch operation and the transaction processing of the signature payment request in sequence.
In order to implement flexible configuration of the purchase code and support various business developments quickly on the basis of improving the efficiency and accuracy of transaction processing, in an embodiment of the present application, before step 100, the method further includes:
step 001: and generating a second purchase code and setting purchase code information corresponding to the second purchase code.
Specifically, the second purchase code, the purchase code information, and the correspondence relationship therebetween may be stored in the transaction processing device.
Step 002: and sending the second purchasing code to the terminal equipment of the corresponding purchasing personnel.
The terminal device may include: tablet computers, notebooks, mobile phones, and the like. A plurality of different second purchasing codes can be generated, and purchasing code information corresponding to the second purchasing codes is set; and sending each second purchasing code to the terminal equipment of the corresponding purchasing personnel.
To further illustrate the present solution, the present application provides an application example of a transaction processing method, which specifically includes the following contents:
1) as shown in fig. 3, the purchase code issuing process includes:
step S001: entering a purchase code management menu; the financial staff logs in a bank system and enters a purchase code management column, the top of the first page of the column is an inquiry area, and the combined inquiry of the release date, the purchasing staff and the validity period condition is supported; the middle part is an operation area, and the operation buttons comprise adding, modifying, invalidating and issuing operations; the lower part is a purchase code record display area which supports checking records and carries out modification, invalidation and distribution operations.
Step S002: newly adding a purchase code; namely, adding operation, and the added page requires inputting information such as the amount, the validity period, the number of supported use times and the like of the purchase code. Setting a single payment amount, a daily accumulated payment amount and a monthly accumulated payment amount for the amount payment; the validity period is 30 days by default, and the maximum support validity period is 30 days; the supported use frequency is at least 1 time, and the maximum use frequency is 5 times; and the operation of the save button finishes the new increase of the purchase code, and the cancel button operation is cancelled for inputting this time.
Step S003: checking the purchase code; the method supports the check of multiple purchase code records for issuing and cancelling operations; the modification operation only supports checking 1 purchase code record.
Step S004: performing issuing | modification | invalidation operation; the purchase code records to be issued are selected, and then the purchase code records are issued; checking and selecting the purchase code record needing to be modified, and then carrying out modification operation; and checking the record of the purchase code to be voided, and then voiding operation is carried out.
Step S005: and generating a command for sending the short message.
Step S006: inputting purchasing personnel information; namely, the issuing page requires inputting information such as the name, the gender, the certificate type, the certificate number, the mobile phone number and the like of the purchasing personnel.
Step S007: completing the issuance of the purchase code; namely, a pending approval sending instruction is generated, and the step S204 is entered, and the issued purchasing information is audited and sent by the auditor.
2) Ordering by an enterprise e-commerce website; as shown in fig. 4, the ordering process of the enterprise e-commerce website includes:
step S101: the enterprise electronic commerce transaction system initiates an order payment request to a payment mechanism; that is, the buyer makes a purchase order on the B2B website, the business e-commerce transaction system generates B2B order information and sends an order payment request to the payment mechanism.
Step S102: the payment mechanism initiates a payment request to a corresponding bank; the payment mechanism receives a payment request submitted by a commercial transaction system, verifies the validity of the request, displays a payment desk page to a buyer, the buyer checks order information on the page and selects an online payment bank, and the payment mechanism initiates the payment request to a corresponding bank through a pedestrian passageway (UnionPay or internetwork mechanism).
Step S103: inputting information; after the bank system receives the payment request, the channel legality is checked, order related information is registered, U shield payment and purchase code payment selection are provided, a purchaser selects purchase code payment, the purchase code, the mobile phone number and the received short message verification code are input into information, and the bank system enters a transaction processing process.
3) The transaction processing, as shown in fig. 5, includes the following steps:
step S201: checking order information; namely, the bank system checks the validity of the message and registers the order related information.
Step S202: checking the purchase code information; the purchase code verification module is called to check the purchase code information, the check information comprises the validity of the purchase code, the information of purchasing personnel, whether the purchase code is in the valid period or not, whether the use times does not reach the upper limit or not, the single limit, the daily accumulated limit and the monthly accumulated limit of the purchase code are verified, and the judgment logic is as follows:
condition 1: the amount of the order is less than the single limit;
condition 2: order amount + daily cumulative order amount < daily cumulative limit;
condition 3: order amount + monthly accumulated order amount < monthly accumulated limit;
if the above 3 conditions are satisfied, an instruction to be committed is generated.
Step S203: generating instruction information to be submitted; the financial staff logs in a bank system, enters an instruction inquiry column, checks purchase code order information, inserts a U shield for signature payment after the information is checked to be correct, and judges whether the amount of the limit amount which can be directly paid by a shield holder is larger than the amount of the payment order or not by the system, if yes, the step S206 of posting is carried out, otherwise, the step S204 of processing is carried out.
Step S204: generating an instruction to be examined and approved; namely, the authorization mode of the group is judged, the authorization module comprises secondary authorization and multi-level authorization, under the secondary authorization mode, a primary authorizer and a secondary authorizer meeting the condition that the payment amount is less than the authorization limit of the authorizer perform instruction approval operation step S205, and if the first authorizer and the second authorizer both approve, the step S206 is performed. Under the multi-stage authorization module, if the authorizers meeting the preset authorization path perform instruction repeat operation step S205, if the authorizers are approved, the process goes to step S206.
Step S205: approving and authorizing the payment instruction; namely, the authorizer logs in the instruction reply menu of the bank system, checks the command which can be replied, and performs the operation of approval and refusal.
Step S206: completing the posting; the lender accounting process may proceed.
In terms of software, in order to implement unified processing of order information of a plurality of e-commerce websites, improve efficiency and accuracy of transaction processing, and further effectively improve security of transactions, the present application provides an embodiment of a transaction processing apparatus for implementing all or part of contents in the transaction processing method, and referring to fig. 6, the transaction processing apparatus specifically includes the following contents:
and the receiving module 10 is configured to receive and store order payment information corresponding to each of the plurality of electronic commerce websites.
And the output module 20 is configured to, if the financial login request is received, output order payment information corresponding to the financial login request according to the first purchase code corresponding to the financial login request, as to-be-processed order payment information.
And the transaction processing module 30 is configured to, if a signature payment request corresponding to the payment information of the to-be-processed order is received, execute transaction processing corresponding to the signature payment request.
In one embodiment of the present application, the receiving module includes:
the receiving unit is used for receiving order payment information corresponding to each of a plurality of electronic commerce websites, and the order payment information comprises: the second purchase code, the amount of the order, the first purchaser information, and the order generation time.
And the judging unit is used for obtaining the corresponding purchasing code information according to the second purchasing code, and the purchasing code information comprises: second purchasing personnel information, a purchasing code validity period, a purchasing code single limit, a purchasing code daily accumulated limit, a purchasing code monthly accumulated limit, used times, supported use times, daily accumulated order amount and monthly accumulated order amount.
And the storage unit is used for storing the order payment information if the first purchasing staff information is the same as the second purchasing staff information, the order generation time is within the validity period of the purchasing code, the number of times of use plus 1 is not more than the number of times of use supported, the order amount is not more than the single limit of the purchasing code, the sum of the order amount and the daily accumulated order amount is not more than the daily accumulated limit of the purchasing code, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the monthly accumulated limit of the purchasing code.
In one embodiment of the present application, the transaction processing module includes:
and the acquisition unit is used for acquiring the direct payment limit corresponding to the signed payment request if the signed payment request corresponding to the payment information of the order to be processed is received.
And the processing unit is used for executing transaction processing corresponding to the payment information of the order to be processed if the direct payment limit corresponding to the signature payment request is larger than the order amount in the payment information of the order to be processed.
The embodiments of the transaction processing apparatus provided in this specification may be specifically configured to execute the processing flow of the embodiments of the transaction processing method, and the functions of the embodiments of the transaction processing apparatus are not described herein again, and refer to the detailed description of the embodiments of the transaction processing method.
To further illustrate the present solution, the present application provides an application example of a transaction processing device, referring to fig. 7, in the application example, the transaction processing device includes: the system comprises a purchase code management module 1, a purchase code verification module 2, an instruction submission module 3 and an instruction authorization approval module 4; the function realized by combining the instruction submitting module 3 and the instruction authorization approval module 4 may include a function realized by combining the receiving module, the output module and the transaction processing module, and is specifically described as follows:
the purchase code management module 1 is used for managing addition, modification, invalidation and purchase code distribution of management personnel, wherein the addition operation requires input of purchase code related information, and the related information comprises information such as the amount, the validity period and the number of supported use times of the purchase code; the modification operation can modify the information of the limit, the validity period, the number of supported use and the like of the purchase code; the delete operation can invalidate the created purchase code; the issuing operation requires inputting the identity information of the purchasing personnel and receiving the mobile phone number, wherein the identity information comprises the identity information such as name, gender, certificate type, certificate number and the like.
Purchase code verification module 2 for after purchasing personnel use the purchase code to place an order on the electronic commerce website, the bank system receives purchase code order payment instruction after, calls purchase code verification module and carries out the legal information check of purchase code, the check-up step include: and checking whether the purchase code is real and effective, identity information of a holder of the purchase code is consistent, the quota of the purchase code is sufficient, the upper limit of the number of times of using the purchase code is not reached, and the like.
And the instruction submitting module 3 is used for the bank system to receive a payment request sent by a payment mechanism through a pedestrian payment channel, provide a purchase code ordering page, generate a purchase code order payment instruction, log in a bank system instruction submitting column by a financial staff to check order records, check related order information and complete purchase code order submission by using a U shield medium signature.
And the instruction authorization approval module 4 is used for setting the payment limit range which can be approved by financial management personnel of different levels. The approver receives the sending instruction submitted by the purchase code management module 1, the related information of the purchase code is checked, the check is passed, and the purchaser can receive the purchase code information and place orders by using the purchase code; and receiving the payment instruction submitted by the instruction submitting module 3, checking the payment amount and the payment order information, and completing order payment after the checking is passed.
According to the description, the transaction processing method and the transaction processing device provided by the application can realize the unified processing of the transactions of a plurality of electronic commerce websites, improve the efficiency and the accuracy of transaction processing, and further effectively improve the security of the transactions; specifically, the purchasing personnel can complete order payment through the purchasing code, the rapid development of current and future services is adapted, and the method mainly has the following advantages: and (I) purchasing financial staff only need to manage respective system software users, so that the crossing is avoided, and the purchasing financial role separation is thoroughly realized. And secondly, whether corresponding purchase codes are issued according to different purchase scenes or not can be judged by presetting the limit, the validity period, the use times and the holder of the purchase codes, and whether various service development can be supported or not can be flexibly configured. And thirdly, according to the examination and approval control of each level of the order amount, the purchase code order can be approved by a reasonable examining and approving person, and the fund risk is effectively controlled.
In terms of hardware, in order to implement unified processing of order information of a plurality of electronic commerce websites, improve efficiency and accuracy of transaction processing, and further effectively improve security of transactions, the present application provides an embodiment of an electronic device for implementing all or part of contents in the transaction processing method, where the electronic device specifically includes 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 mutual communication through the bus; the communication interface is used for realizing information transmission among the transaction processing device, the user terminal and other related equipment; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to the embodiment for implementing the transaction processing method and the embodiment for implementing the transaction processing apparatus in the embodiments, and the contents thereof are incorporated herein, and repeated details are not repeated.
Fig. 8 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 8, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this FIG. 8 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one or more embodiments of the present application, the transaction processing functionality can be integrated into the central processor 9100. The central processor 9100 may be configured to control as follows:
step 100: and receiving and storing order payment information corresponding to the plurality of electronic commerce websites.
Step 200: and if the financial login request is received, outputting order payment information corresponding to the financial login request as to-be-processed order payment information according to the first purchase code corresponding to the financial login request.
Step 300: and if the signature payment request corresponding to the payment information of the order to be processed is received, executing transaction processing corresponding to the signature payment request.
As can be seen from the above description, the electronic device provided in the embodiments of the present application can implement unified processing of order information of multiple e-commerce websites, improve efficiency and accuracy of transaction processing, and further effectively improve security of transaction.
In another embodiment, the transaction processing device may be configured separately from the central processor 9100, for example, the transaction processing device may be configured as a chip connected to the central processor 9100, and the transaction processing function may be implemented under the control of the central processor.
As shown in fig. 8, 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 also does not necessarily include all of the components shown in fig. 8; further, the electronic device 9600 may further include components not shown in fig. 8, which may be referred to in the art.
As shown in fig. 8, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.
The memory 9140 can 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 relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or 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. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.
The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. 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 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.
The memory 9140 can also include a data store 9143, the data store 9143 being used to store 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 for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).
The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.
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, 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 receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.
As can be seen from the above description, the electronic device provided in the embodiment of the present application can implement unified processing on order information of multiple e-commerce websites, so as to improve efficiency and accuracy of transaction processing, and further effectively improve security of transaction.
Embodiments of the present application further provide a computer-readable storage medium capable of implementing all the steps in the transaction processing method in the above embodiments, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all the steps in the transaction processing method in the above embodiments, for example, when the processor executes the computer program, the processor implements the following steps:
step 100: and receiving and storing order payment information corresponding to the plurality of electronic commerce websites.
Step 200: and if the financial login request is received, outputting order payment information corresponding to the financial login request as to-be-processed order payment information according to the first purchase code corresponding to the financial login request.
Step 300: and if the signature payment request corresponding to the payment information of the order to be processed is received, executing transaction processing corresponding to the signature payment request.
As can be seen from the above description, the computer-readable storage medium provided in the embodiments of the present application can implement unified processing of order information of multiple e-commerce websites, improve efficiency and accuracy of transaction processing, and further effectively improve security of transaction.
In the present application, each embodiment of the method is described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. Reference is made to the description of the method embodiments.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principle and the implementation mode of the present application are explained by applying specific embodiments in the present application, and the description of the above embodiments is only used to help understanding the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.

Claims (10)

1. A transaction processing method, comprising:
receiving and storing order payment information corresponding to a plurality of electronic commerce websites;
if the financial login request is received, outputting order payment information corresponding to the financial login request as to-be-processed order payment information according to a first purchase code corresponding to the financial login request;
and if the signature payment request corresponding to the payment information of the order to be processed is received, executing transaction processing corresponding to the signature payment request.
2. The transaction processing method of claim 1, wherein receiving and storing order payment information corresponding to each of a plurality of e-commerce websites comprises:
receiving order payment information corresponding to each of a plurality of electronic commerce websites, wherein the order payment information comprises: the second purchasing code, the amount of the order, the first purchasing staff information and the order generation time;
and obtaining corresponding purchase code information according to the second purchase code, wherein the purchase code information comprises: second purchasing personnel information, a valid period of a purchasing code, a single limit of the purchasing code, a daily accumulated limit of the purchasing code, a monthly accumulated limit of the purchasing code, used times, supported use times, daily accumulated order amount and monthly accumulated order amount;
and if the first purchasing staff information is the same as the second purchasing staff information, the order generation time is within the validity period of the purchasing code, the number of times of use plus 1 is not more than the number of times of use support, the order amount is not more than the single limit of the purchasing code, the sum of the order amount and the daily accumulated order amount is not more than the daily accumulated limit of the purchasing code, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the monthly accumulated limit of the purchasing code, storing the order payment information.
3. The transaction processing method according to claim 1, wherein if the signed payment request corresponding to the payment information of the to-be-processed order is received, performing the transaction processing corresponding to the signed payment request includes:
if a signature payment request corresponding to the payment information of the order to be processed is received, acquiring a direct payment limit corresponding to the signature payment request;
and if the directly payable limit corresponding to the signature payment request is larger than the order amount in the payment information of the order to be processed, executing transaction processing corresponding to the payment information of the order to be processed.
4. The transaction processing method of claim 3, further comprising, after said obtaining the directly payable limit corresponding to the signed payment request:
if the directly payable limit is not larger than the order amount in the payment information of the order to be processed, determining a corresponding multi-level authorized limit according to the payment information of the order to be processed;
and if the authorized limit of each stage is larger than the amount of the order, executing the batch operation and the transaction processing of the signature payment request in sequence.
5. The transaction processing method of claim 1, prior to receiving and storing order payment information corresponding to each of the plurality of e-commerce websites, further comprising:
generating a plurality of different second purchasing codes and setting purchasing code information corresponding to each second purchasing code;
and sending each second purchasing code to the terminal equipment of the corresponding purchasing personnel.
6. A transaction processing device, comprising:
the receiving module is used for receiving and storing order payment information corresponding to a plurality of electronic commerce websites;
the output module is used for outputting order payment information corresponding to the financial login request as to-be-processed order payment information according to the first purchase code corresponding to the financial login request if the financial login request is received;
and the transaction processing module is used for executing transaction processing corresponding to the signature payment request if the signature payment request corresponding to the payment information of the order to be processed is received.
7. The transaction-processing device of claim 6, wherein the receiving module comprises:
the receiving unit is used for receiving order payment information corresponding to each of a plurality of electronic commerce websites, and the order payment information comprises: the second purchasing code, the amount of the order, the first purchasing staff information and the order generation time;
and the judging unit is used for obtaining the corresponding purchasing code information according to the second purchasing code, and the purchasing code information comprises: second purchasing personnel information, a valid period of a purchasing code, a single limit of the purchasing code, a daily accumulated limit of the purchasing code, a monthly accumulated limit of the purchasing code, used times, supported use times, daily accumulated order amount and monthly accumulated order amount;
and the storage unit is used for storing the order payment information if the first purchasing staff information is the same as the second purchasing staff information, the order generation time is within the validity period of the purchasing code, the number of times of use plus 1 is not more than the number of times of use supported, the order amount is not more than the single limit of the purchasing code, the sum of the order amount and the daily accumulated order amount is not more than the daily accumulated limit of the purchasing code, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the monthly accumulated limit of the purchasing code.
8. The transaction-processing device of claim 6, wherein the transaction-processing module comprises:
the acquisition unit is used for acquiring the direct payment limit corresponding to the signed payment request if the signed payment request corresponding to the payment information of the order to be processed is received;
and the processing unit is used for executing transaction processing corresponding to the payment information of the order to be processed if the direct payment limit corresponding to the signature payment request is larger than the order amount in the payment information of the order to be processed.
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 implements the transaction processing method of any of claims 1 to 5 when executing the program.
10. A computer-readable storage medium having computer instructions stored thereon that, when executed, implement the transaction processing method of any of claims 1 to 5.
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CN101136094A (en) * 2007-09-29 2008-03-05 腾讯科技（深圳）有限公司 Electronic commerce trade method and system
CN105427093A (en) * 2015-12-29 2016-03-23 宁波博赢环深互联网科技有限公司 Order account payment system applied to electronic commerce
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