CN113743922A - Multi-product transaction service management method, device and storage medium - Google Patents
Multi-product transaction service management method, device and storage medium Download PDFInfo
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- 238000007726 management method Methods 0.000 title claims abstract description 28
- 238000000034 method Methods 0.000 claims abstract description 24
- 238000012550 audit Methods 0.000 claims abstract description 12
- 230000008859 change Effects 0.000 claims description 43
- 238000012545 processing Methods 0.000 claims description 5
- 238000004590 computer program Methods 0.000 claims description 3
- 230000008569 process Effects 0.000 description 10
- 238000004891 communication Methods 0.000 description 3
- 230000006870 function Effects 0.000 description 2
- 230000004044 response Effects 0.000 description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
Abstract
The invention provides a multi-product transaction business management method, a device and a storage medium, wherein the method comprises the following steps: receiving a transaction request, wherein the transaction request at least comprises name information of a transaction product and corresponding expense information; traversing the product accounts, and acquiring the product accounts corresponding to the name information of the transaction, wherein each product has a product account uniquely corresponding to the product account; and if the balance information in the product account is larger than the expense information, finishing the transaction request. Further comprising: receiving a recharging request, wherein the recharging request at least comprises name information to be recharged and corresponding recharging information; receiving audit information, and judging whether the name information of the recharging and the corresponding recharging information pass or not based on the audit information; and if the name information passes the name information, acquiring the product account corresponding to the name information, and recharging the product account based on the third-party platform and the recharging information to obtain the balance information after recharging. When the product is recharged, the invention can carry out the oriented recharging of the product, thereby avoiding the situation of disordered funds.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a multi-product transaction service management method and device based on a third-party payment platform and a storage medium.
Background
At present, when online payment is available for a plurality of internet companies in the market, a third party payment platform is docked, and fund recharging and payment are carried out by using a merchant platform of the third party platform. When the payment is realized by a single product line, the payment is realized by adopting the scheme without problems.
However, when a plurality of products need to be docked, because the required funds can only be recharged into a unique account for the payment of each product to be used together, a problem is generated at this time: the amount of money available for each product cannot be controlled (the upper limit is unified to the account balance). Such as: the product A, B is charged with 200 yuan and 100 yuan respectively according to actual needs, wherein the product A pays 100 yuan, the product B also pays 100 yuan, and 100 yuan remains in the account (for the product A), but if the product B has actual payment requirements and is not charged, the product B can still pay 100 yuan (balance for the product A).
Although the third-party platform has the function of recording the payment details of each product, due to the problems, the product fund use is disordered and the later retrospective check is difficult.
Disclosure of Invention
The embodiment of the invention provides a multi-product transaction business management method, a multi-product transaction business management device and a multi-product transaction business management storage medium, which can carry out oriented recharging and consuming of products based on a third-party platform, and carry out corresponding auditing and supervision on funds of each product to avoid the situations of fund confusion and difficult traceability.
In a first aspect of an embodiment of the present invention, a multi-product transaction service management method is provided, where the method includes:
receiving a transaction request, wherein the transaction request at least comprises name information of a traded product and corresponding expense information;
traversing product accounts of a plurality of products, and acquiring product accounts corresponding to the name information, wherein the name information of each product has a product account uniquely corresponding to the product account;
and if the balance information in the product account is larger than the expense information, finishing the transaction request, and modifying the balance information in the product account based on the expense information.
Optionally, in a possible implementation manner of the first aspect, the method further includes:
receiving a recharging request, wherein the recharging request at least comprises name information of a recharged product and corresponding recharging information;
receiving audit information, and judging whether the recharging information corresponding to the name information of the recharged product passes or not based on the audit information;
and if the name information passes the name information, acquiring a product account corresponding to the name information, recharging the product account based on the third-party platform and the recharging information to obtain the recharged balance information, wherein each product account has corresponding balance information.
Optionally, in a possible implementation manner of the first aspect, the method further includes:
and if the balance information in the product account is less than the expense information, displaying that the balance is insufficient and the transaction is failed.
Optionally, in a possible implementation manner of the first aspect, if the balance information in the product account is greater than the fee information, completing the transaction request, and modifying the balance information in the product account based on the fee information includes:
presetting a fund change table set, wherein each fund change table set respectively comprises a plurality of fund change sub-tables, and each fund change sub-table corresponds to one product account;
when the fund in any product account changes, the corresponding fund change sub-table is adjusted.
Optionally, in a possible implementation manner of the first aspect, adjusting the corresponding fund change sub-table when the fund in any one product account changes comprises:
obtaining fund values charged or consumed at a plurality of moments in the fund change sublist;
and if the fund value is larger than the preset fund threshold value, outputting reminding information for reminding an administrator.
In a second aspect of the embodiments of the present invention, a multi-product transaction service management apparatus is provided, including:
the transaction receiving module is used for receiving a transaction request, wherein the transaction request at least comprises name information of a traded product and corresponding expense information;
the account acquisition module is used for traversing the product accounts of a plurality of products and acquiring the product accounts corresponding to the name information, wherein the name information of each product has the product account uniquely corresponding to the name information;
and the transaction processing module is used for finishing a transaction request if the balance information in the product account is greater than the fee information, and modifying the balance information in the product account based on the fee information.
Optionally, in a possible implementation manner of the second aspect, the method further includes:
the recharging receiving module is used for receiving recharging requests, and the recharging requests at least comprise name information of a recharged product and corresponding recharging information;
the recharging and auditing module is used for receiving auditing information and judging whether the recharging information corresponding to the name information of the recharged product passes or not based on the auditing information;
and the account recharging module is used for acquiring the product account corresponding to the name information if the name information passes the account recharging module, recharging the product account based on the third party platform and the recharging information to obtain the recharged balance information, wherein each product account has corresponding balance information.
Optionally, in a possible implementation manner of the second aspect, the account recharging module is further configured to perform the following steps, including:
presetting a fund change table set, wherein each fund change table set respectively comprises a plurality of fund change sub-tables, and each fund change sub-table corresponds to one product account;
when the fund in any product account changes, the corresponding fund change sub-table is adjusted.
Optionally, in a possible implementation manner of the second aspect, the account recharging module is further configured to perform the following steps, including:
obtaining fund values charged or consumed at a plurality of moments in the fund change sublist;
and if the fund value is larger than the preset fund threshold value, outputting reminding information for reminding an administrator.
In a third aspect of the embodiments of the present invention, a readable storage medium is provided, in which a computer program is stored, which, when being executed by a processor, is adapted to carry out the method according to the first aspect of the present invention and various possible designs of the first aspect of the present invention.
The multi-product transaction service management method, the multi-product transaction service management device and the multi-product transaction service management storage medium can directionally monitor the transaction cost and the recharging cost of a plurality of products, ensure that the cost in the product account corresponding to each product is only applied to the transaction of the product in the transaction process, and enable the product fund management and the product tracing to be convenient.
When a certain product is recharged, the method can directionally recharge based on a third-party platform, and can lead functional departments such as finance and the like to intervene to check the recharging behaviors of product accounts in the recharging process, thereby standardizing the using process of funds while strictly distinguishing the usable funds of each product.
The invention can monitor the consumption or the recharge of each product and product account based on the fund change sub-table, and intelligently remind when the consumption or the recharge reaches a certain amount, thereby avoiding that the corresponding product exceeds the corresponding budget.
Drawings
FIG. 1 is a flow chart of a first embodiment of a multi-product transaction business management method;
FIG. 2 is a flow chart of a second embodiment of a multi-product transaction business management method;
FIG. 3 is a flow chart of a third embodiment of a multi-product transaction business management method;
fig. 4 is a block diagram of a first embodiment of a multi-product transaction service management method.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terms "first," "second," "third," "fourth," and the like in the description and in the claims, as well as in the drawings, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein.
It should be understood that, in various embodiments of the present invention, the sequence numbers of the processes do not mean the execution sequence, and the execution sequence of the processes should be determined by the functions and the internal logic of the processes, and should not constitute any limitation on the implementation process of the embodiments of the present invention.
It should be understood that in the present application, "comprising" and "having" and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be understood that, in the present invention, "a plurality" means two or more. "and/or" is merely an association describing an associated object, meaning that three relationships may exist, for example, and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "comprises A, B and C" and "comprises A, B, C" means that all three of A, B, C comprise, "comprises A, B or C" means that one of A, B, C comprises, "comprises A, B and/or C" means that any 1 or any 2 or 3 of A, B, C comprises.
It should be understood that in the present invention, "B corresponding to A", "A and B
The corresponding "or" B corresponds to A "means that B is associated with A, from which B can be determined. Determining B from a does not mean determining B from a alone, but may be determined from a and/or other information. And the matching of A and B means that the similarity of A and B is greater than or equal to a preset threshold value.
As used herein, "if" may be interpreted as "at … …" or "when … …" or "in response to a determination" or "in response to a detection", depending on the context.
The technical solution of the present invention will be described in detail below with specific examples. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments.
The invention provides a multi-product transaction business management method, as shown in fig. 1 and fig. 2, comprising:
step S110, receiving a transaction request, wherein the transaction request at least comprises name information of a traded product and corresponding expense information. In one platform, there may be multiple products, say product a, product B, etc. When a user may need to purchase a service for one of the products, a transaction is needed, and a transaction request is created and sent according to the actual service condition.
Step S120, traversing product accounts of a plurality of products, and acquiring product accounts corresponding to the name information, wherein the name information of each product has a product account uniquely corresponding to the product account. After receiving the transaction request, the invention selects an account corresponding to the corresponding product, for example, if the name information of the product is a, the product account is a product account a.
Step S130, if the balance information in the product account is larger than the expense information, the transaction request is completed, and the balance information in the product account is modified based on the expense information. And if the balance information in the product account is less than the expense information, displaying that the balance is insufficient and the transaction is failed. And when the balance information in the product account is greater than the fee information, the fee of the service purchased by the corresponding product is proved to be less than the balance fee in the product account.
If the balance in the product account is sufficient, success is returned, and if the balance in the product account is insufficient, failure is returned.
In one possible embodiment, as shown in fig. 3, the method further includes:
step S210, receiving a recharging request, wherein the recharging request at least comprises name information of a recharged product and corresponding recharging information. When a user needs to buy a certain service of a certain product, the product needs to be recharged first, the invention can directionally recharge the certain product at any stage, and the user can output a recharging request to apply for recharging.
And step S220, receiving the audit information, and judging whether the recharging information corresponding to the name information of the recharged product passes through or not based on the audit information. After applying for recharging, the user can pass through the functional departments such as finance and the like to audit, and audit information is output according to the audit condition.
And step S230, if the name information passes the verification, acquiring a product account corresponding to the name information, and recharging the product account based on the third-party platform and the recharging information to obtain the recharged balance information, wherein each product account has corresponding balance information. If the audit is passed, the finance department or the only department can pay based on the third-party platform, at the moment, the account of the corresponding product is recharged, and the balance is changed.
In one possible embodiment, if the balance information in the product account is greater than the fee information, completing the transaction request, and modifying the balance information in the product account based on the fee information includes:
and presetting fund change table sets, wherein each fund change table set respectively comprises a plurality of fund change sub-tables, and each fund change sub-table corresponds to one product account.
When the fund in any product account changes, the corresponding fund change sub-table is adjusted. In the invention, for effectively supervising each product, a fund change table can be arranged at each product, and the fund change is recorded through the fund change table.
In one possible embodiment, adjusting the corresponding fund change sub-table when the fund in any one product account changes comprises:
obtaining fund values charged or consumed at a plurality of moments in the fund change sublist;
and if the fund value is larger than the preset fund threshold value, outputting reminding information for reminding an administrator.
The invention can judge whether the fund in the product exceeds the corresponding limit according to the preset fund threshold value, and achieves the purpose of actively supervising the fund of each product.
The present invention also provides a multi-product transaction management device, as shown in fig. 4, including:
the transaction receiving module is used for receiving a transaction request, wherein the transaction request at least comprises name information of a traded product and corresponding expense information;
the account acquisition module is used for traversing the product accounts of a plurality of products and acquiring the product accounts corresponding to the name information, wherein the name information of each product has the product account uniquely corresponding to the name information;
and the transaction processing module is used for finishing a transaction request if the balance information in the product account is greater than the fee information, and modifying the balance information in the product account based on the fee information.
In one possible embodiment, the method further comprises:
the recharging receiving module is used for receiving recharging requests, and the recharging requests at least comprise name information of a recharged product and corresponding recharging information;
the recharging and auditing module is used for receiving auditing information and judging whether the recharging information corresponding to the name information of the recharged product passes or not based on the auditing information;
and the account recharging module is used for acquiring the product account corresponding to the name information if the name information passes the account recharging module, recharging the product account based on the third party platform and the recharging information to obtain the recharged balance information, wherein each product account has corresponding balance information.
In one possible embodiment, the account recharge module is further configured to perform the following steps, including:
presetting a fund change table set, wherein each fund change table set respectively comprises a plurality of fund change sub-tables, and each fund change sub-table corresponds to one product account;
when the fund in any product account changes, the corresponding fund change sub-table is adjusted.
In one possible embodiment, the account recharge module is further configured to perform the following steps, including:
obtaining fund values charged or consumed at a plurality of moments in the fund change sublist;
and if the fund value is larger than the preset fund threshold value, outputting reminding information for reminding an administrator.
The readable storage medium may be a computer storage medium or a communication medium. Communication media includes any medium that facilitates transfer of a computer program from one place to another. Computer storage media may be any available media that can be accessed by a general purpose or special purpose computer. For example, a readable storage medium is coupled to the processor such that the processor can read information from, and write information to, the readable storage medium. Of course, the readable storage medium may also be an integral part of the processor. The processor and the readable storage medium may reside in an Application Specific Integrated Circuits (ASIC). Additionally, the ASIC may reside in user equipment. Of course, the processor and the readable storage medium may also reside as discrete components in a communication device. The readable storage medium may be a read-only memory (ROM), a random-access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.
The present invention also provides a program product comprising execution instructions stored in a readable storage medium. The at least one processor of the device may read the execution instructions from the readable storage medium, and the execution of the execution instructions by the at least one processor causes the device to implement the methods provided by the various embodiments described above.
In the above embodiments of the terminal or the server, it should be understood that the Processor may be a Central Processing Unit (CPU), other general-purpose processors, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present invention may be embodied directly in a hardware processor, or in a combination of the hardware and software modules within the processor.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.
Claims (10)
1. A multi-product transaction business management method is characterized by comprising the following steps:
receiving a transaction request, wherein the transaction request at least comprises name information of a traded product and corresponding expense information;
traversing product accounts of a plurality of products, and acquiring product accounts corresponding to the name information, wherein the name information of each product has a product account uniquely corresponding to the product account;
and if the balance information in the product account is larger than the expense information, finishing the transaction request, and modifying the balance information in the product account based on the expense information.
2. The multi-product transaction business management method of claim 1, further comprising:
receiving a recharging request, wherein the recharging request at least comprises name information of a recharged product and corresponding recharging information;
receiving audit information, and judging whether the recharging information corresponding to the name information of the recharged product passes or not based on the audit information;
and if the name information passes the name information, acquiring a product account corresponding to the name information, recharging the product account based on the third-party platform and the recharging information to obtain the recharged balance information, wherein each product account has corresponding balance information.
3. The multi-product transaction business management method of claim 1, further comprising:
and if the balance information in the product account is less than the expense information, displaying that the balance is insufficient and the transaction is failed.
4. The multi-product transaction service management method of claim 2,
if the balance information in the product account is larger than the expense information, the transaction request is completed, and the modifying of the balance information in the product account based on the expense information comprises the following steps:
presetting a fund change table set, wherein each fund change table set respectively comprises a plurality of fund change sub-tables, and each fund change sub-table corresponds to one product account;
when the fund in any product account changes, the corresponding fund change sub-table is adjusted.
5. The multi-product transaction service management method of claim 4,
adjusting the corresponding fund change sub-table when the fund in any product account changes comprises:
obtaining fund values charged or consumed at a plurality of moments in the fund change sublist;
and if the fund value is larger than the preset fund threshold value, outputting reminding information for reminding an administrator.
6. A multi-product transaction management device, comprising:
the transaction receiving module is used for receiving a transaction request, wherein the transaction request at least comprises name information of a traded product and corresponding expense information;
the account acquisition module is used for traversing the product accounts of a plurality of products and acquiring the product accounts corresponding to the name information, wherein the name information of each product has the product account uniquely corresponding to the name information;
and the transaction processing module is used for finishing a transaction request if the balance information in the product account is greater than the fee information, and modifying the balance information in the product account based on the fee information.
7. The multi-product transaction service management device of claim 6, further comprising:
the recharging receiving module is used for receiving recharging requests, and the recharging requests at least comprise name information of a recharged product and corresponding recharging information;
the recharging and auditing module is used for receiving auditing information and judging whether the recharging information corresponding to the name information of the recharged product passes or not based on the auditing information;
and the account recharging module is used for acquiring the product account corresponding to the name information if the name information passes the account recharging module, recharging the product account based on the third party platform and the recharging information to obtain the recharged balance information, wherein each product account has corresponding balance information.
8. The multi-product transaction service management device of claim 7,
the account recharge module is further configured to perform steps comprising:
presetting a fund change table set, wherein each fund change table set respectively comprises a plurality of fund change sub-tables, and each fund change sub-table corresponds to one product account;
when the fund in any product account changes, the corresponding fund change sub-table is adjusted.
9. The multi-product transaction service management device of claim 8,
the account recharge module is further configured to perform steps comprising:
obtaining fund values charged or consumed at a plurality of moments in the fund change sublist;
and if the fund value is larger than the preset fund threshold value, outputting reminding information for reminding an administrator.
10. A readable storage medium, in which a computer program is stored which, when being executed by a processor, is adapted to carry out the method of any one of claims 1 to 5.
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| CN108269182A (en) * | 2017-08-24 | 2018-07-10 | 平安科技（深圳）有限公司 | A kind of remaining sum computational methods collected based on fund and computing device |
| CN107545417A (en) * | 2017-08-25 | 2018-01-05 | 禾昂信息科技（上海）有限公司 | A kind of supply chain Fund Supervision system and method |
| CN108647955A (en) * | 2018-05-15 | 2018-10-12 | 万翼科技有限公司 | Charging method, system and computer readable storage medium |
| CN110264214A (en) * | 2019-05-28 | 2019-09-20 | 阿里巴巴集团控股有限公司 | It is a kind of trade bill generation and check and write off method, device and equipment |
| CN111369347A (en) * | 2020-03-17 | 2020-07-03 | 北京三快在线科技有限公司 | Service processing method, device, equipment and storage medium |
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