CN112785380B - Transaction processing method and device - Google Patents

Transaction processing method and device Download PDF

Info

Publication number
CN112785380B
CN112785380B CN202110095466.4A CN202110095466A CN112785380B CN 112785380 B CN112785380 B CN 112785380B CN 202110095466 A CN202110095466 A CN 202110095466A CN 112785380 B CN112785380 B CN 112785380B
Authority
CN
China
Prior art keywords
order
code
purchasing
information
payment information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CN202110095466.4A
Other languages
Chinese (zh)
Other versions
CN112785380A (en
Inventor
张泽涛
冯伟伦
麦倩
王冠
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Industrial and Commercial Bank of China Ltd ICBC
Original Assignee
Industrial and Commercial Bank of China Ltd ICBC
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Industrial and Commercial Bank of China Ltd ICBC filed Critical Industrial and Commercial Bank of China Ltd ICBC
Priority to CN202110095466.4A priority Critical patent/CN112785380B/en
Publication of CN112785380A publication Critical patent/CN112785380A/en
Application granted granted Critical
Publication of CN112785380B publication Critical patent/CN112785380B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The application provides a transaction processing method and 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 each of a plurality of e-commerce websites; if a financial login request is received, outputting order payment information corresponding to the financial login request as order payment information to be processed according to a first purchase code corresponding to the financial login request; and if the signature payment request corresponding to the order payment information to be processed is received, executing transaction processing corresponding to the signature payment request. The method and the system can realize unified processing of order information of a plurality of e-commerce websites, improve the efficiency and accuracy of transaction processing, and further can effectively improve the security of transaction processing.

Description

Transaction processing method and device
Technical Field
The present disclosure relates to the field of data processing technologies, and in particular, to a transaction processing method and apparatus.
Background
With the high-speed development of internet technology, many enterprises search suitable raw materials for purchasing on online e-commerce websites, general e-commerce websites can require that order payment is completed within a certain time limit after purchasing and ordering, but purchasing staff does not have relevant rights of bank operation, in the prior art, in order to realize purchasing financial role separation, part of e-commerce websites can distribute users to financial staff, so that financial staff can complete payment for ordering of purchasing staff, but purchasing staff can often order on a plurality of e-commerce websites, and not all e-commerce websites can support purchasing and financial role separation, even if users with different roles can be supported, financial staff needs to manage a plurality of e-commerce website users, the burden of financial staff is intangibly increased, and purchasing and financial role separation cannot be really realized.
With the high-speed development of enterprise business and the standard of internal control management, online enterprise e-commerce transactions are becoming more popular, and the separation of purchasing and financial roles is becoming more necessary.
Disclosure of Invention
Aiming at the problems in the prior art, the application provides a transaction processing method and device, which can realize unified processing of order information of a plurality of e-commerce websites, improve the efficiency and accuracy of transaction processing, and further effectively improve the security of transactions.
In order to solve the technical problems, the application provides the following technical scheme:
in a first aspect, the present application provides a transaction processing method, including:
receiving and storing order payment information corresponding to each of a plurality of e-commerce websites;
if a financial login request is received, outputting order payment information corresponding to the financial login request as order payment information to be processed according to a first purchase code corresponding to the financial login request;
and if the signature payment request corresponding to the order payment information to be processed is received, executing transaction processing corresponding to the signature payment request.
Further, the receiving and storing order payment information corresponding to each of the plurality of e-commerce websites includes:
Receiving order payment information corresponding to each of a plurality of e-commerce websites, wherein the order payment information comprises: the second purchase code, the order amount, the first purchasing personnel information and the order generation time;
obtaining corresponding purchase code information according to the second purchase code, wherein the purchase code information comprises: the second purchasing personnel information, the purchasing code effective period, the purchasing code list limit, the purchasing code daily accumulated limit, the purchasing code month accumulated limit, the used times, the supporting times, the daily accumulated order amount and the month accumulated order amount;
if the first purchasing personnel information and the second purchasing personnel information are the same, the order generation time is within the purchasing code effective period, the used times plus 1 is not more than the supporting times, the order amount is not more than the purchasing code single limit, the sum of the order amount and the daily accumulated order amount is not more than the purchasing code daily accumulated limit, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the purchasing code monthly accumulated limit, the order payment information is stored.
Further, if a signed payment request corresponding to the pending order payment information is received, executing transaction processing corresponding to the signed payment request, including:
If a signature payment request corresponding to the order payment information to be processed is received, acquiring a direct payment allowance corresponding to the signature payment request;
and if the directly payable quota corresponding to the signature payment request is larger than the order amount in the to-be-processed order payment information, executing the transaction processing corresponding to the to-be-processed order payment information.
Further, after the obtaining the directly payable quota corresponding to the signed payment request, the method further includes:
if the directly payable quota is not greater than the order amount in the to-be-processed order payment information, determining a corresponding multilevel authorized quota according to the to-be-processed order payment information;
and if the authorized limit of each level is larger than the order amount, sequentially executing the reply operation and transaction processing of the signature payment request.
Further, before receiving and storing the order payment information corresponding to each of the plurality of e-commerce websites, the method further includes:
generating a plurality of different second purchase codes and setting purchase code information corresponding to each second purchase code;
and sending each second purchase code to the terminal equipment of the corresponding purchase personnel.
In a second aspect, the present application provides a transaction processing device comprising:
the receiving module is used for receiving and storing order payment information corresponding to each of the plurality of e-commerce websites;
the output module is used for outputting order payment information corresponding to the financial login request as order payment information to be processed according to a 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 configured to receive order payment information corresponding to each of the plurality of e-commerce websites, where the order payment information includes: the second purchase code, the order amount, the first purchasing personnel information and the order generation time;
the judging unit is configured to obtain corresponding purchase code information according to the second purchase code, where the purchase code information includes: the second purchasing personnel information, the purchasing code effective period, the purchasing code list limit, the purchasing code daily accumulated limit, the purchasing code month accumulated limit, the used times, the supporting times, the daily accumulated order amount and the month accumulated order amount;
And the storage unit is used for storing the order payment information if the first purchasing personnel information and the second purchasing personnel information are the same, the order generation time is within the purchasing code effective period, the used times are added by 1 and are not more than the supporting times, the order amount is not more than the purchasing code single limit, the sum of the order amount and the daily accumulated order amount is not more than the purchasing code daily accumulated limit, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the purchasing code monthly accumulated limit.
Further, the transaction processing module includes:
the acquisition unit is used for acquiring a directly payable allowance corresponding to the signature payment request if the signature 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 to-be-processed order payment information if the directly payable allowance corresponding to the signature payment request is larger than the order amount in the to-be-processed order payment information.
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 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 which, when executed, implement the transaction processing method.
As can be seen from the above technical solutions, the present application provides a transaction processing method and apparatus. Wherein the method comprises the following steps: receiving and storing order payment information corresponding to each of a plurality of e-commerce websites; if a financial login request is received, outputting order payment information corresponding to the financial login request as order payment information to be processed according to a first purchase code corresponding to the financial login request; if a signature payment request corresponding to the order payment information to be processed is received, executing transaction processing corresponding to the signature payment request; the unified processing of the transaction of a plurality of e-commerce websites can be realized, the efficiency and the accuracy of the transaction processing are improved, and the security of the transaction can be further effectively improved; specifically, the purchasing personnel can complete order payment through the purchasing code, and the method is suitable for the rapid development of current and future business, and has the following advantages: firstly, purchasing financial staff only need to manage respective system software users, so that intersection is avoided, and purchasing financial role separation is thoroughly realized. And secondly, by presetting the amount, the validity period, the use times and the holder of the purchase code, whether corresponding purchase codes can be issued according to different purchase scenes, and whether various business development can be rapidly supported can be flexibly configured. And thirdly, according to approval control of each level of the order amount, the purchase code order can be approved by reasonable approvers, and the fund risk can be 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 that are required in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that 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 transaction processing method according to an embodiment of the present application;
FIG. 2 is a flow chart of steps 111 to 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 application example of the present application;
FIG. 4 is a schematic flow chart of the business e-commerce website ordering process in the application example of the present application;
FIG. 5 is a schematic flow chart of a transaction processing procedure in an application example of the present application;
FIG. 6 is a schematic diagram of a transaction processing device according to an embodiment of the present application;
FIG. 7 is a schematic diagram of a transaction processing device in an example application of the present application;
fig. 8 is a system configuration schematic block diagram of an electronic device 9600 according to an embodiment of the present application.
Detailed Description
In order to better understand the technical solutions in the present specification, the following description will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only 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 without undue burden from the present disclosure, are within the scope of the present disclosure.
In order to realize 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 embodiment of the application provides a transaction processing device, which may be a server or a client device, wherein 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, intelligent wearing equipment can include intelligent glasses, intelligent wrist-watch and intelligent bracelet etc..
In practical applications, the transaction processing part may be executed on the server side as described above, or all operations may be completed 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.
Any suitable network protocol may be used for communication between the server and the client device, including those not yet developed at the filing date of this application. The network protocols may include, for example, TCP/IP protocol, UDP/IP protocol, HTTP protocol, HTTPS protocol, etc. Of course, the network protocol may also include, for example, RPC protocol (Remote Procedure Call Protocol ), REST protocol (Representational State Transfer, representational state transfer protocol), etc. used above the above-described protocol.
It should be noted that the transaction processing method and apparatus disclosed in the present application may be used in the financial technical field, and may also be used in any field other than the financial technical field, and the application field of the transaction processing method and apparatus disclosed in the present application is not limited.
The following examples are presented in detail.
In order to realize unified processing of order information of a plurality of e-commerce websites, and improve efficiency and accuracy of transaction processing, and further effectively improve security of transactions, the 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:
Step 100: and receiving and storing order payment information corresponding to each of the plurality of e-commerce websites.
Specifically, the e-commerce website may be a B2B website, that is, a website that provides an enterprise-to-enterprise e-commerce platform. The order payment information may include: order information and a second purchase code; the order information may include: purchasing personnel information, order amount, order date, etc.; the second purchase code may be a purchase code input by the purchasing personnel into the e-commerce website, and is used for obtaining corresponding purchase code information, and may be a character string or the like. The second purchase code in the order payment information sent by each e-commerce web site may be different.
Further, before step 100, the method may specifically include the following steps:
the electronic commerce website receives a commodity purchase order placing request sent by terminal equipment of a purchasing person, generates B2B order information according to the commodity purchase order placing request, and initiates an order payment request to a payment mechanism; and if the payment mechanism receives the selected information of the online payment bank of the payment platform page, the payment mechanism sends the payment request to a corresponding bank system, and the transaction processing device can be the bank system.
Step 200: if the financial login request is received, outputting order payment information corresponding to the financial login request as pending order payment information according to a first purchase code corresponding to the financial login request.
Specifically, a financial login request sent by a financial staff member from the front end may be received, where 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, namely the first purchase code, can be obtained locally from the transaction processing device; order payment information with the second purchase code being the same as the first purchase code is extracted from the order payment information and output to the front end for the financial staff to select and pay at the front end next.
Step 300: and if the signature payment request corresponding to the order payment information to be processed is received, executing transaction processing corresponding to the signature payment request.
Specifically, if there are multiple pieces of order payment information to be processed, the signature payment request may correspond to one or more pieces of order payment information to be processed; the signature payment request can comprise U shield insertion information and selected information of the order payment information to be processed, and the selected information is used for determining the order payment information to be processed for executing transaction processing and the like; executing the transaction 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, in the transaction processing method provided in this embodiment, order payment information corresponding to each of a plurality of e-commerce websites is received and stored; if a financial login request is received, outputting order payment information corresponding to the financial login request as order payment information to be processed 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, executing the transaction processing corresponding to the signature payment request, and improving the efficiency and accuracy of unified processing of the order information of a plurality of e-commerce websites by using the purchase codes, so that the transaction security is effectively improved.
To further improve the reliability of acquiring order payment information, referring to fig. 2, in one embodiment of the present application, step 100 includes:
step 111: receiving order payment information corresponding to each of a plurality of e-commerce websites, wherein the order payment information comprises: the second purchase code, the order amount, the first purchaser information, and the order generation time.
Step 112: obtaining corresponding purchase code information according to the second purchase code, wherein the purchase code information comprises: the second purchasing personnel information, the purchasing code validity period, the purchasing code list limit, the purchasing code daily accumulated limit, the purchasing code month accumulated limit, the used times, the supporting times, the daily accumulated order amount and the month 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 the transaction processing apparatus.
Step 113: if the first purchasing personnel information and the second purchasing personnel information are the same, the order generation time is within the purchasing code effective period, the used times plus 1 is not more than the supporting times, the order amount is not more than the purchasing code single limit, the sum of the order amount and the daily accumulated order amount is not more than the purchasing code daily accumulated limit, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the purchasing code monthly accumulated limit, the order payment information is stored.
Specifically, the first purchasing personnel information may be purchasing personnel information in order payment information, and the second purchasing personnel information may be purchasing personnel information in purchasing code information obtained locally according to the second purchasing code; after successful transaction processing is performed, the number of times used, the daily accumulated order amount, and the 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 the transaction process, in one embodiment of the present application, step 300 includes:
step 311: and if the signature payment request corresponding to the order payment information to be processed is received, acquiring a direct payment allowance corresponding to the signature payment request.
Specifically, the directly payable quota can be obtained according to the U-shield insertion information in the signed payment request, and it can be understood that the U-shields of the financial staff correspond to the directly payable quota.
Step 312: and if the directly payable quota corresponding to the signature payment request is larger than the order amount in the to-be-processed order payment information, executing the transaction processing corresponding to the to-be-processed order payment information.
To further improve the reliability of the transaction processing, in one embodiment of the present application, after step 311, the method further includes:
step 321: and if the directly payable quota is not greater than the order amount in the to-be-processed order payment information, determining the corresponding multilevel authorized quota according to the to-be-processed order payment information.
Step 322: and if the authorized limit of each level is larger than the order amount, sequentially executing the reply operation and transaction processing of the signature payment request.
In order to achieve flexible configuration of purchase codes and rapidly support various business developments on the basis of improving efficiency and accuracy of transaction processing, in one embodiment of the present application, before step 100, the method further includes:
step 001: 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 between the two may be stored in the transaction processing apparatus.
Step 002: and sending the second purchase code to the terminal equipment of the corresponding purchasing personnel.
The terminal device may include: tablet computers, notebooks, cell phones, etc. Generating a plurality of different second purchase codes and setting purchase code information corresponding to each second purchase code; and sending each second purchase code to the terminal equipment of the corresponding purchase personnel.
In order to further explain the scheme, the application example of the transaction processing method is provided, and specifically includes the following contents:
1) The purchase code is issued, as shown in fig. 3, and the purchase code issuing process includes:
step S001: entering a purchase code management menu; the financial staff logs in the banking system and enters the purchasing code management column, the top of the column front page is a query area, and the combined query of date, purchasing staff and validity period conditions is supported; the middle part is an operation area, and the operation buttons comprise a new adding operation, a modification operation, a revocation operation and a release operation; the lower part is a purchasing code record display area which supports checking records and carries out modification, revocation and issuing operations.
Step S002: newly adding a purchase code; namely, newly-added operation, the newly-added page requires information such as the amount, the validity period, the support use times and the like of the input purchase code. The method comprises the steps of setting a single payment amount, a daily accumulated payment amount and a month accumulated payment amount by using the amount payment; the validity period defaults to 30 days, and the maximum support validity period is 30 days; the support use times are 1 at least and 5 at most; the save button operation completes the new addition of the purchase code, and the cancel button operation invalidates the input.
Step S003: selecting a purchase code; namely supporting to pick up a plurality of purchase code records for issuing and voiding operations; the modify operation only supports hooking 1 purchase code record.
Step S004: performing a release/modification/invalidation operation; namely, the purchasing code record to be issued is checked, and the issuing is performed; selecting the purchasing code record to be modified, and performing modification operation; and selecting the purchasing code record to be invalidated, and performing the invalidation operation.
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, sex, certificate type, certificate number, mobile phone number and the like of the purchasing personnel.
Step S007: completing purchase code distribution; generating a to-be-inspected batch sending instruction, entering into step S204, and inspecting and sending the issued purchase information by an auditor.
2) E-commerce websites of enterprises order; as shown in FIG. 4, the business e-commerce website ordering process comprises:
step S101: the enterprise e-commerce transaction system initiates an order payment request to a payment mechanism; namely, purchasing personnel performs commodity purchasing and ordering on a B2B website, and the enterprise electronic commerce transaction system generates B2B order information and initiates an order payment request to a payment mechanism.
Step S102: the payment mechanism initiates a payment request to a corresponding bank; namely, the payment mechanism receives a payment request submitted by the business transaction system, verifies the validity of the request, displays a payment platform page to a purchasing person, checks order information on the page by the purchasing person, selects an online payment bank, and initiates the payment request to a corresponding bank through a pedestrian passageway (a banking or online mechanism).
Step S103: inputting information; after receiving the payment request, the bank system checks the validity of the channel, registers the relevant information of the order, provides U-shield payment and purchase code payment selection, the purchasing personnel selects the purchase code for payment, and inputs the purchase code, the mobile phone number and the received short message verification code into the information, and the bank system enters the transaction processing process.
3) Transaction processing as shown in fig. 5, the transaction processing process includes:
Step S201: checking order information; the bank system checks the validity of the message and registers the order related information.
Step S202: checking purchase code information; namely, a purchase code verification module is called to carry out purchase code information verification, verification information comprises whether the purchase code is legal, the information of the purchasing personnel, whether the use times of the purchase code are not up to the upper limit in the validity period, and verification of the purchase code list limit, the daily accumulated limit and the month accumulated limit is carried out, wherein the judgment logic is as follows:
condition 1: order amount < single quota;
condition 2: order amount + daily cumulative order amount < daily cumulative limit;
condition 3: order amount + month accumulated order amount < month accumulated limit;
and if the 3 conditions are met, generating an instruction to be submitted.
Step S203: generating instruction information to be submitted; namely, the financial staff logs in the banking system and enters an instruction inquiry column to check the information of the purchase code order, after the information is checked without errors, the U shield is inserted to carry out signature payment, the system judges whether the limit of direct payment of the shield person is larger than the amount of the payment order, if yes, the step S206 of the accounting processing is carried out, and if not, the step S204 of the processing is carried out.
Step S204: generating a command to be examined and approved; namely, judging the authorization mode of the group, wherein the authorization module comprises a secondary authorization and a multi-level authorization, and in the secondary authorization mode, a primary authorizer and a secondary authorizer meeting the payment amount < authorizer-authorizable quota condition carry out instruction reply operation step S205, and if both authorizes, the step S206 is entered. Under the multi-level authorization module, the step S205 of the instruction reply operation by an authorizer on a preset authorization path is satisfied, and the step S206 is entered after approval.
Step S205: approval authorization of payment instructions; the authorized person logs in the bank system instruction returnable menu to check the returnable instruction and approve and reject the operation.
Step S206: finishing accounting; the lender accounting process can be performed.
In order to achieve unified processing of order information of a plurality of e-commerce websites in terms of software, and improve efficiency and accuracy of transaction processing, so as to effectively improve security of transactions, the application provides an embodiment of a transaction processing device for implementing all or part of contents in the transaction processing method, referring to fig. 6, where the transaction processing device specifically includes:
and the receiving module 10 is used for receiving and storing the order payment information corresponding to each of the plurality of e-commerce websites.
And the output module 20 is configured to output order payment information corresponding to the financial login request as pending 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 30 is configured to execute transaction processing corresponding to the signed payment request if the signed payment request corresponding to the pending order payment information is received.
In one embodiment of the present application, the receiving module includes:
the receiving unit is configured to receive order payment information corresponding to each of the plurality of e-commerce websites, where the order payment information includes: the second purchase code, the order amount, the first purchaser information, and the order generation time.
The judging unit is configured to obtain corresponding purchase code information according to the second purchase code, where the purchase code information includes: the second purchasing personnel information, the purchasing code validity period, the purchasing code list limit, the purchasing code daily accumulated limit, the purchasing code month accumulated limit, the used times, the supporting times, the daily accumulated order amount and the month accumulated order amount.
And the storage unit is used for storing the order payment information if the first purchasing personnel information and the second purchasing personnel information are the same, the order generation time is within the purchasing code effective period, the used times are added by 1 and are not more than the supporting times, the order amount is not more than the purchasing code single limit, the sum of the order amount and the daily accumulated order amount is not more than the purchasing code daily accumulated limit, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the purchasing code monthly accumulated limit.
In one embodiment of the present application, the transaction processing module includes:
and the acquisition unit is used for acquiring the directly payable allowance corresponding to the signature payment request if the signature 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 to-be-processed order payment information if the directly payable allowance corresponding to the signature payment request is larger than the order amount in the to-be-processed order payment information.
The embodiments of the transaction processing device provided in the present disclosure may be specifically used to execute the processing flow of the embodiments of the transaction processing method, and the functions thereof are not described herein again, and reference may be made 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 present application example, the transaction processing device includes: the system comprises a purchase code management module 1, a purchase code verification module 2, an instruction submitting module 3 and an instruction authorization approval module 4; the functions implemented by the combination of the instruction submitting module 3 and the instruction authorization approval module 4 may include the functions implemented by the combination of the receiving module, the output module and the transaction processing module, which are specifically described as follows:
The purchasing code management module 1 is used for managing personnel to add, modify, invalidate and issue purchasing codes, wherein the new adding operation can require to input purchasing code related information, and the related information comprises information such as the amount, the validity period, the supporting use times and the like of the purchasing codes; the modification operation can modify the information such as the amount, the validity period, the support use times and the like of the purchase code; the delete operation can invalidate the created purchase code; the issuing operation may require inputting the identity information of the purchasing personnel, including name, gender, certificate type, certificate number, etc., and receiving the mobile phone number.
The purchasing code verification module 2 is used for calling the purchasing code verification module to verify legal information of the purchasing code after the purchasing personnel uses the purchasing code to place an order on the e-commerce website and the bank system receives the purchasing code order payment instruction, and the verification step comprises the following steps: checking whether the purchase code is truly effective, whether the identity information of the holder of the purchase code is consistent, whether the line of the purchase code is sufficient, the upper limit of the number of times of unaccounted for use of the purchase code and the like.
The instruction submitting module 3 is used for receiving a payment request sent by a payment mechanism through a manway payment channel by the bank system, providing a purchase code order placing page, generating a purchase code order payment instruction, logging in a bank system instruction submitting column by a financial staff to check order records, checking relevant order information, and completing purchase code order submitting by using a U-shield medium signature.
And the instruction authorization approval module 4 is used for setting the range of the payment limit which can be approved by different levels of financial management staff. The approver receives the sending instruction submitted by the purchase code management module 1, examines and examines the related information of the purchase code, and the approver can receive the information of the purchase code and uses the purchase code to place an order; and receiving a payment instruction submitted by the instruction submitting module 3, checking the payment amount and the paid order information, and completing the order payment after the checking is passed.
As can be seen from the above description, the transaction processing method and apparatus provided by the present application can implement unified processing of transactions of multiple e-commerce websites, so as to improve efficiency and accuracy of transaction processing, and further effectively improve security of transactions; specifically, the purchasing personnel can complete order payment through the purchasing code, and the method is suitable for the rapid development of current and future business, and has the following advantages: firstly, purchasing financial staff only need to manage respective system software users, so that intersection is avoided, and purchasing financial role separation is thoroughly realized. And secondly, by presetting the amount, the validity period, the use times and the holder of the purchase code, whether corresponding purchase codes can be issued according to different purchase scenes, and whether various business development can be rapidly supported can be flexibly configured. And thirdly, according to approval control of each level of the order amount, the purchase code order can be approved by reasonable approvers, and the fund risk can be effectively controlled.
In order to realize unified processing of order information of a plurality of e-commerce websites and improve efficiency and accuracy of transaction processing, and further effectively improve security of transactions, the application provides an embodiment of electronic equipment for realizing all or part of contents in the transaction processing method, wherein the electronic equipment 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 transaction processing device and related equipment such as a user terminal; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, etc., and the embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to an embodiment for implementing the transaction processing method and an embodiment for implementing the transaction processing apparatus, and the contents thereof are incorporated herein, and are not repeated here.
Fig. 8 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. 8, 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. 8 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 or more embodiments of the present application, the transaction processing functionality may be integrated into the central processor 9100. The central processor 9100 may be configured to perform the following control:
step 100: and receiving and storing order payment information corresponding to each of the plurality of e-commerce websites.
Step 200: if the financial login request is received, outputting order payment information corresponding to the financial login request as pending order payment information according to a first purchase code corresponding to the financial login request.
Step 300: and if the signature payment request corresponding to the order payment information 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 by the embodiment of the present application can implement unified processing of order information of multiple e-commerce websites, so as to improve efficiency and accuracy of transaction processing, and further effectively improve security of transactions.
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 is implemented by 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 need not include all of the components shown in fig. 8; in addition, the electronic device 9600 may further include components not shown in fig. 8, and reference may be made to the related art.
As shown in fig. 8, 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.
As can be seen from the above description, the electronic device provided by the embodiment of the present application can implement unified processing of order information of multiple e-commerce websites, so as to improve efficiency and accuracy of transaction processing, and further effectively improve security of transactions.
The embodiments of the present application also provide a computer-readable storage medium capable of implementing all the steps in the transaction processing method in the above embodiments, the computer-readable storage medium storing thereon a computer program which, when executed by a processor, implements all the steps in the transaction processing method in the above embodiments, for example, the processor implementing the following steps when executing the computer program:
Step 100: and receiving and storing order payment information corresponding to each of the plurality of e-commerce websites.
Step 200: if the financial login request is received, outputting order payment information corresponding to the financial login request as pending order payment information according to a first purchase code corresponding to the financial login request.
Step 300: and if the signature payment request corresponding to the order payment information 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, so as to improve efficiency and accuracy of transaction processing, and further effectively improve security of transactions.
All embodiments of the method are described in a progressive manner, and identical and similar parts of all embodiments are mutually referred to, and each embodiment mainly describes differences from other embodiments. For relevance, see the description of the method embodiments.
It will be appreciated by those skilled in the art that 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 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 application are described herein with reference to specific examples, the description of which is only for the purpose of aiding in the understanding of the methods of the present application and the core ideas thereof; meanwhile, as those skilled in the art will have modifications in the specific embodiments and application scope in accordance with the ideas of the present application, the present description should not be construed as limiting the present application in view of the above.

Claims (8)

1. A transaction processing method, comprising:
receiving and storing order payment information corresponding to each of a plurality of e-commerce websites;
if a financial login request is received, extracting order payment information with the second purchase code being the same as the first purchase code from the order payment information according to the first purchase code corresponding to the financial login request, and taking the order payment information as order payment information to be processed;
If a signature payment request corresponding to the order payment information to be processed is received, executing transaction processing corresponding to the signature payment request;
the receiving and storing order payment information corresponding to each of the plurality of e-commerce websites includes:
receiving order payment information corresponding to each of a plurality of e-commerce websites, wherein the order payment information comprises: the second purchase code, the order amount, the first purchasing personnel information and the order generation time;
obtaining corresponding purchase code information according to the second purchase code, wherein the purchase code information comprises: the second purchasing personnel information, the purchasing code effective period, the purchasing code list limit, the purchasing code daily accumulated limit, the purchasing code month accumulated limit, the used times, the supporting times, the daily accumulated order amount and the month accumulated order amount;
if the first purchasing personnel information and the second purchasing personnel information are the same, the order generation time is within the purchasing code effective period, the used times plus 1 is not more than the supporting times, the order amount is not more than the purchasing code single limit, the sum of the order amount and the daily accumulated order amount is not more than the purchasing code daily accumulated limit, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the purchasing code monthly accumulated limit, the order payment information is stored.
2. The transaction processing method according to claim 1, wherein if a signed payment request corresponding to the pending order payment information is received, executing transaction processing corresponding to the signed payment request includes:
if a signature payment request corresponding to the order payment information to be processed is received, acquiring a direct payment allowance corresponding to the signature payment request;
and if the directly payable quota corresponding to the signature payment request is larger than the order amount in the to-be-processed order payment information, executing the transaction processing corresponding to the to-be-processed order payment information.
3. The transaction processing method according to claim 2, further comprising, after the obtaining of the directly payable allowance corresponding to the signed payment request:
if the directly payable quota is not greater than the order amount in the to-be-processed order payment information, determining a corresponding multilevel authorized quota according to the to-be-processed order payment information;
and if the authorized limit of each level is larger than the order amount, sequentially executing the reply operation and transaction processing of the signature payment request.
4. The transaction processing method according to claim 1, further comprising, before receiving and storing order payment information corresponding to each of the plurality of e-commerce websites:
Generating a plurality of different second purchase codes and setting purchase code information corresponding to each second purchase code;
and sending each second purchase code to the terminal equipment of the corresponding purchase personnel.
5. A transaction processing device, comprising:
the receiving module is used for receiving and storing order payment information corresponding to each of the plurality of e-commerce websites;
the output module is used for extracting order payment information with the second purchase code being the same as the first purchase code from the order payment information according to the first purchase code corresponding to the financial login request if the financial login request is received, and taking the order payment information as order payment information to be processed;
the transaction processing module is used for executing transaction processing corresponding to the signature payment request if the signature payment request corresponding to the order payment information to be processed is received;
the receiving module includes:
the receiving unit is configured to receive order payment information corresponding to each of the plurality of e-commerce websites, where the order payment information includes: the second purchase code, the order amount, the first purchasing personnel information and the order generation time;
the judging unit is configured to obtain corresponding purchase code information according to the second purchase code, where the purchase code information includes: the second purchasing personnel information, the purchasing code effective period, the purchasing code list limit, the purchasing code daily accumulated limit, the purchasing code month accumulated limit, the used times, the supporting times, the daily accumulated order amount and the month accumulated order amount;
And the storage unit is used for storing the order payment information if the first purchasing personnel information and the second purchasing personnel information are the same, the order generation time is within the purchasing code effective period, the used times are added by 1 and are not more than the supporting times, the order amount is not more than the purchasing code single limit, the sum of the order amount and the daily accumulated order amount is not more than the purchasing code daily accumulated limit, and the sum of the order amount and the monthly accumulated order amount is not more than the order payment information of the purchasing code monthly accumulated limit.
6. The transaction processing device of claim 5, wherein the transaction processing module comprises:
the acquisition unit is used for acquiring a directly payable allowance corresponding to the signature payment request if the signature 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 to-be-processed order payment information if the directly payable allowance corresponding to the signature payment request is larger than the order amount in the to-be-processed order payment information.
7. 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 4 when the program is executed by the processor.
8. A computer readable storage medium having stored thereon computer instructions, which when executed by a processor implement the transaction processing method of any of claims 1 to 4.
CN202110095466.4A 2021-01-25 2021-01-25 Transaction processing method and device Active CN112785380B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202110095466.4A CN112785380B (en) 2021-01-25 2021-01-25 Transaction processing method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202110095466.4A CN112785380B (en) 2021-01-25 2021-01-25 Transaction processing method and device

Publications (2)

Publication Number Publication Date
CN112785380A CN112785380A (en) 2021-05-11
CN112785380B true CN112785380B (en) 2024-02-06

Family

ID=75758832

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202110095466.4A Active CN112785380B (en) 2021-01-25 2021-01-25 Transaction processing method and device

Country Status (1)

Country Link
CN (1) CN112785380B (en)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
CN109583989A (en) * 2018-10-15 2019-04-05 平安科技（深圳）有限公司 Control method, device, computer equipment and the storage medium of payment management
CN109816502A (en) * 2019-01-02 2019-05-28 深圳壹账通智能科技有限公司 Batch pays out method, apparatus, computer equipment and storage medium
CN109978522A (en) * 2019-04-04 2019-07-05 睿驰达新能源汽车科技（北京）有限公司 A kind of method, apparatus and equipment of order payment

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
CN109583989A (en) * 2018-10-15 2019-04-05 平安科技（深圳）有限公司 Control method, device, computer equipment and the storage medium of payment management
CN109816502A (en) * 2019-01-02 2019-05-28 深圳壹账通智能科技有限公司 Batch pays out method, apparatus, computer equipment and storage medium
CN109978522A (en) * 2019-04-04 2019-07-05 睿驰达新能源汽车科技（北京）有限公司 A kind of method, apparatus and equipment of order payment

Also Published As

Publication number Publication date
CN112785380A (en) 2021-05-11

Similar Documents

Publication Publication Date Title
CN110612546B (en) Method and apparatus for digital asset account management
US8285640B2 (en) System and methods for facilitating fund transfers over a network
US8069115B2 (en) Method and system to process payment
US20090106148A1 (en) Pre-paid financial system
JP2002117361A (en) Electronic account settlement method and electronic account settlement system
CN112163946A (en) Accounting processing method and device based on distributed transaction system
US11386413B2 (en) Device-based transaction authorization
AU2018102192A4 (en) System and method for generating a payment schedule for direct or recurring payments
CN105324782A (en) Credit through unstructured supplementary service data
CN111709753B (en) Online payment method and device
CN112184248B (en) Card organization rejection adjustment single data processing method and device
US20230252466A1 (en) Facilitation of real-time payment network transactions
CN112116482A (en) Financing data processing method and device based on block chain
CN111626729B (en) Transaction method, apparatus, computing device, and medium executed by target institution
CN112785380B (en) Transaction processing method and device
WO2019025868A1 (en) System and method for providing secured services
KR102373883B1 (en) Method of providing transaction histories of cryptocurrency in real time
US20220114589A1 (en) Aggregated transaction accounts
TWI662493B (en) Debit authorization method and system
US20230103796A1 (en) Event-based triggers of cryptocurrency transactions
CN116433385A (en) Financial product transaction matching method and device
CN117114672A (en) Account amount adjusting method, device, equipment and storage medium
KR20230154665A (en) Finacial service system and finacial service method thereof
WO2023036605A1 (en) Information processing apparatus, method and system
CN117635354A (en) Service data date joining method, computer equipment and computer storage medium

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant