CN114926182A - Returned goods information processing method and device - Google Patents

Returned goods information processing method and device Download PDF

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Publication number
CN114926182A
CN114926182A CN202210638767.1A CN202210638767A CN114926182A CN 114926182 A CN114926182 A CN 114926182A CN 202210638767 A CN202210638767 A CN 202210638767A CN 114926182 A CN114926182 A CN 114926182A
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card
state
entity
virtual
transaction
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李�昊
党娜
刘洋
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Bank of China Ltd
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Bank of China Ltd
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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
    • G06Q20/407—Cancellation of a transaction
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a method and a device for processing return information, relates to the technical field of financial business processing, and can be used in the financial field or other technical fields. The method comprises the following steps: receiving a return transaction instruction, determining a transaction card number corresponding to the return transaction, and confirming the card type of the transaction card number; if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card; and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card. The device performs the above method. The goods return information processing method and the goods return information processing device provided by the embodiment of the invention are convenient for realizing the payment return after goods return.

Description

Returned goods information processing method and device
Technical Field
The invention relates to the technical field of financial business processing, in particular to a return information processing method and device.
Background
At present, the main use scenes of the debit card virtual card are mobile phone public transport, subway bus taking, small-amount commodity purchase and the like, and a customer can complete small-amount password-free payment only by binding the debit card virtual card through a mobile phone. If the customer returns the goods after logging off the virtual card, the bank can only handle the refund of the goods returned for the customer by hand, and the operation is very inconvenient.
Disclosure of Invention
To solve the problems in the prior art, embodiments of the present invention provide a method and an apparatus for processing return information, which can at least partially solve the problems in the prior art.
In one aspect, the present invention provides a method for processing return information, including:
receiving a return transaction instruction, determining a transaction card number corresponding to the return transaction, and confirming the card type of the transaction card number;
if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card;
and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card.
Wherein, the return information processing method further comprises:
if the card state of the entity card is confirmed to be a logout state, sending a request message for authorizing and inquiring other cards under the user name except the entity card to an account opening terminal;
responding the authorization message fed back by the account opening terminal, and verifying the authorization inquiry password;
if the verification is confirmed to pass, controlling the account opening terminal to display a card list containing the other cards;
responding to a target card selected by a user for receiving refunds aiming at the card list, and determining whether the target card and the entity card are in the same bank;
and if the bank is determined to be the same bank, generating a one-time in-line fund collection instruction to realize refund to the target card.
Wherein, the return information processing method further comprises:
if the bank is determined not to be the same bank, confirming the card state of the target card to an issuer of the target card through a preset online interface;
and if the card state of the target card is determined to be a normal state, generating a one-time inter-bank fund collection instruction to realize refund to the target card.
Wherein, the return information processing method further comprises:
and if the card state of the virtual card is confirmed to be a normal state, directly executing refund to the virtual card.
In one aspect, the present invention provides a return information processing apparatus, including:
the determining unit is used for receiving the goods returning transaction instruction, determining a transaction card number corresponding to the goods returning transaction, and confirming the card type of the transaction card number;
the confirming unit is used for confirming the card state of the virtual card if the card type is confirmed to be the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card;
and the refund unit is used for replacing the virtual card with the entity card and executing refund to the entity card if the card state of the entity card is determined to be a normal state.
Wherein the return information processing apparatus is further configured to:
if the card state of the entity card is confirmed to be a logout state, sending a request message for authorizing and inquiring other cards under the user name except the entity card to an account opening terminal;
responding the authorization message fed back by the account opening terminal, and verifying the authorization inquiry password;
if the verification is confirmed to pass, controlling the account opening terminal to display a card list containing the other cards;
responding to a target card selected by a user for receiving refunds aiming at the card list, and determining whether the target card and the entity card are in the same bank;
and if the bank is determined to be the same bank, generating a one-time in-line fund collection instruction to realize refund to the target card.
Wherein the return information processing apparatus is further configured to:
if the bank is not the same bank, confirming the card state of the target card to an issuer of the target card through a preset online interface;
and if the card state of the target card is determined to be a normal state, generating a one-time inter-bank fund collection instruction to realize refund to the target card.
Wherein the return information processing apparatus is further configured to:
and if the card state of the virtual card is confirmed to be a normal state, directly executing refund to the virtual card.
In another aspect, an embodiment of the present invention provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the following method when executing the computer program:
receiving a return transaction instruction, determining a transaction card number corresponding to the return transaction, and confirming the card type of the transaction card number;
if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card;
and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card.
An embodiment of the present invention provides a computer-readable storage medium, including:
the computer-readable storage medium stores a computer program which, when executed by a processor, implements a method comprising:
receiving a goods return transaction instruction, determining a transaction card number corresponding to the goods return transaction, and confirming the card type of the transaction card number;
if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card;
and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the following method:
receiving a goods return transaction instruction, determining a transaction card number corresponding to the goods return transaction, and confirming the card type of the transaction card number;
if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card;
and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card.
The goods returning information processing method and the device provided by the embodiment of the invention receive the goods returning transaction instruction, determine the transaction card number corresponding to the goods returning transaction, and confirm the card type of the transaction card number; if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card; and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card, so that the refund can be conveniently realized after goods refund.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart illustrating a method for processing return information according to an embodiment of the present invention.
Fig. 2 is a flowchart illustrating a return information processing method according to another embodiment of the present invention.
Fig. 3 is a schematic structural diagram of a returned goods information processing method in a modularized manner according to another embodiment of the present invention.
Fig. 4 is a schematic structural diagram of a return information processing apparatus according to an embodiment of the present invention.
Fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.
Fig. 1 is a schematic flow chart of a return information processing method according to an embodiment of the present invention, and as shown in fig. 1, the return information processing method according to the embodiment of the present invention includes:
step S1: receiving a goods return transaction instruction, determining a transaction card number corresponding to the goods return transaction, and confirming the card type of the transaction card number.
Step S2: if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; and if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card.
Step S3: and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card.
In the step S1, the apparatus receives the return transaction command, determines the transaction card number corresponding to the return transaction, and confirms the card type of the transaction card number. The apparatus may be a computer device or the like, e.g. a client, performing the method. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations. The data transceiving of the embodiment of the present invention may be implemented by using a 5G technology, and is not particularly limited. The virtual card is explained as follows:
debit card virtual card: the virtual card is a virtual debit card without a solid medium, which is applied for opening by a customer through a counter and an internet banking channel by using an opened solid debit card (a solid card for short). Through the association with the original entity debit card, the virtual debit card can automatically call an entity debit card associated account (only limited to a main account) during transaction to handle online bank payment, mobile phone bank payment, middle bank quick payment and Unionpay card-free self-service consumption business, can independently set transaction limit and card validity period, and can realize safe and convenient payment through an electronic channel.
The return transaction instruction can be sent by the merchant terminal, and the transaction card number corresponding to the return transaction can be a string of numbers, wherein the card type of the transaction card number can be confirmed to be a virtual card or a physical card through the first six digits.
In the step S2, if the device confirms that the card type is a virtual card, the device confirms the card status of the virtual card; and if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card.
In step S3, if the device determines that the card status of the physical card is normal, the device replaces the virtual card with the physical card and executes a refund to the physical card. After the refund is successful, a prompt message of 'successful refund' can be sent to the reserved mobile phone number when the entity card is transacted.
The return information processing method provided by the embodiment of the invention receives a return transaction instruction, determines a transaction card number corresponding to the return transaction, and confirms the card type of the transaction card number; if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card; and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card, so that the refund can be conveniently realized after goods are returned.
Further, as shown in fig. 2, the return information processing method further includes:
step R1: if the card state of the entity card is confirmed to be a logout state, sending a request message for authorizing and inquiring other cards under the user name except the entity card to an account opening terminal; the user can send a 'you have a refund to account' to a reserved mobile phone number (namely the mobile phone number of the account opening terminal) when transacting the entity card, and the user needs to authorize to inquire other accounts when the original transaction card number is cancelled, and the user is prompted to input the inquiry password of the entity card.
Step R2: responding the authorization message fed back by the account opening terminal, and verifying the authorization inquiry password; after the client clicks the authorization confirmation, the inquiry password is input, the account opening terminal feeds back the authorization message of the authorization confirmation, and the authorization message can carry the authorization inquiry password so that the client can verify the authorization inquiry password
Step R3: if the verification is confirmed to pass, controlling the account opening terminal to display a card list containing the other cards; if the verification is passed, the card list of other cards under the name of the client can be inquired according to the identification number corresponding to the entity card, and the card list containing the other cards is displayed through the account opening terminal.
Step R4: responding to a target card selected by a user for receiving refunds aiming at the card list, and determining whether the target card and the entity card are in the same bank; the user selects a target card for receiving refunds by browsing the card list containing the other cards, and then determines whether the target card and the entity card are in the same bank.
Step R5: and if the bank is determined to be the same bank, generating a one-time in-line fund collection instruction to realize refund to the target card.
Further, the return information processing method further includes:
if the bank is not the same bank, confirming the card state of the target card to an issuer of the target card through a preset online interface; the preset online interface may be an online interface of each commercial bank, and the corresponding issuer may be a branch or branch of the commercial bank.
And if the card state of the target card is determined to be a normal state, generating a one-time inter-bank fund collection instruction to realize refund to the target card.
Further, the return information processing method further includes:
and if the card state of the virtual card is determined to be a normal state, directly executing refund to the virtual card.
As shown in fig. 3, the method of the embodiment of the present invention may be implemented in a modular manner, specifically including:
the return notification reception module 1: the bank receives the return transaction information from the merchant, judges whether the card type is a virtual card according to the first six digits of the transaction card number C, and starts a debit card virtual card inquiry module if the card type is the virtual card;
debit card virtual card inquiry module 2: inquiring the state of the card according to the card number C, if the state is 'logout', inquiring the state of an entity card D associated with the card C, if the state of the card D is 'normal', replacing the card C with the card D, executing a refund instruction, and sending a 'successful goods refund' 5G message to a reserved mobile phone number M of the card D after success; if the card D is in a logout state, starting a non-associated account authorization query module;
the non-associated account authorization query module 3: the bank sends a 5G message to the reserved mobile phone number M of the card D to prompt that a user has a refund to account and needs to authorize to inquire other accounts when the original transaction card number is cancelled, prompts a client to input a password for inquiring the card D through the 5G message, inquires other available account lists L under the name of the client according to the identity card number of the card D if the password for inquiring passes verification, and sends the list L to a refund card number verification module;
the refund card number verification module 4: sending the account list L to a customer through a 5G message for the customer to select refund to an account card F, if the card F and the card D are in the same bank, generating a one-time in-line fund collection instruction, and sending the instruction to a mobile phone number M of the customer for confirmation through the 5G message; otherwise, starting the across-row refund card number confirmation module;
the across-bank refund card number confirmation module 5: because the card F and the card D are in different rows, the state of the card F needs to be confirmed to an account opening row of the card F through a human-line online interface, if the state is normal, a disposable inter-row fund collection instruction is generated and is sent to a mobile phone number M of a client to be confirmed through a 5G message.
It should be noted that the return information processing method provided by the embodiment of the present invention may be used in the financial field, and may also be used in any technical field other than the financial field.
Fig. 4 is a schematic structural diagram of a return information processing apparatus according to an embodiment of the present invention, and as shown in fig. 4, the return information processing apparatus according to the embodiment of the present invention includes a determining unit 401, a confirming unit 402, and a refund unit 403, where:
the determining unit 401 is configured to receive a return transaction instruction, determine a transaction card number corresponding to a return transaction, and determine a card type of the transaction card number; the confirming unit 402 is configured to confirm the card status of the virtual card if the card type is confirmed to be the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card; the refund unit 403 is configured to replace the virtual card with the physical card and execute refund to the physical card if it is determined that the card status of the physical card is a normal status.
Specifically, the determining unit 401 in the device is configured to receive a return transaction instruction, determine a transaction card number corresponding to a return transaction, and determine a card type of the transaction card number; the confirming unit 402 is configured to confirm the card status of the virtual card if the card type is confirmed to be the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card; the refund unit 403 is configured to replace the virtual card with the physical card and execute refund to the physical card if it is determined that the card status of the physical card is a normal status.
The return information processing device provided by the embodiment of the invention receives a return transaction instruction, determines a transaction card number corresponding to the return transaction, and confirms the card type of the transaction card number; if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card; and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card, so that the refund can be conveniently realized after goods are returned.
Further, the return information processing apparatus is further configured to:
if the card state of the entity card is confirmed to be a logout state, sending a request message for authorizing and inquiring other cards under the user name except the entity card to an account opening terminal;
responding the authorization message fed back by the account opening terminal, and verifying the authorization inquiry password;
if the verification is confirmed to pass, controlling the account opening terminal to display a card list containing the other cards;
responding to a target card selected by a user for receiving refunds aiming at the card list, and determining whether the target card and the entity card are in the same bank;
and if the bank is determined to be the same bank, generating a one-time in-line fund collection instruction to realize refund to the target card.
Further, the return information processing apparatus is further configured to:
if the bank is not the same bank, confirming the card state of the target card to an issuer of the target card through a preset online interface;
and if the card state of the target card is determined to be a normal state, generating a one-time inter-bank fund collection instruction to realize refund to the target card.
Further, the return information processing apparatus is further configured to:
and if the card state of the virtual card is confirmed to be a normal state, directly executing refund to the virtual card.
The embodiment of the return information processing apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing flows of the above method embodiments, and the functions thereof are not described herein again, and reference may be made to the detailed description of the above method embodiments.
Fig. 5 is a schematic structural diagram of a computer device provided in an embodiment of the present invention, and as shown in fig. 5, the computer device includes: a memory 501, a processor 502 and a computer program stored on the memory 501 and executable on the processor 502, the processor 502 implementing the following method when executing the computer program:
receiving a goods return transaction instruction, determining a transaction card number corresponding to the goods return transaction, and confirming the card type of the transaction card number;
if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card;
and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card.
The present embodiment discloses a computer program product comprising a computer program which, when executed by a processor, implements the method of:
receiving a goods return transaction instruction, determining a transaction card number corresponding to the goods return transaction, and confirming the card type of the transaction card number;
if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card;
and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card.
The present embodiments provide a computer-readable storage medium storing a computer program which, when executed by a processor, implements a method of:
receiving a goods return transaction instruction, determining a transaction card number corresponding to the goods return transaction, and confirming the card type of the transaction card number;
if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card;
and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card.
Compared with the technical scheme in the prior art, the method and the device for determining the return transaction are characterized in that a return transaction instruction is received, a transaction card number corresponding to the return transaction is determined, and the card type of the transaction card number is confirmed; if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card; and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card, so that the refund can be conveniently realized after goods are returned.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above-mentioned embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and should not be used to limit the scope of the present invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (11)

1. A return information processing method, comprising:
receiving a return transaction instruction, determining a transaction card number corresponding to the return transaction, and confirming the card type of the transaction card number;
if the card type is confirmed to be the virtual card, confirming the card state of the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card;
and if the card state of the entity card is determined to be a normal state, replacing the virtual card with the entity card, and executing refund to the entity card.
2. The return information processing method according to claim 1, further comprising:
if the card state of the entity card is confirmed to be a logout state, sending a request message for authorizing and inquiring other cards under the user name except the entity card to an account opening terminal;
responding the authorization message fed back by the account opening terminal, and verifying the authorization inquiry password;
if the verification is confirmed to pass, controlling the account opening terminal to display a card list containing the other cards;
responding to a target card selected by a user for receiving refunds aiming at the card list, and determining whether the target card and the entity card are in the same bank;
and if the bank is determined to be the same bank, generating a one-time in-line fund collection instruction to realize refund to the target card.
3. The return information processing method according to claim 2, further comprising:
if the bank is not the same bank, confirming the card state of the target card to an issuer of the target card through a preset online interface;
and if the card state of the target card is determined to be a normal state, generating a one-time inter-bank fund collection instruction to realize refund to the target card.
4. A return information processing method according to any one of claims 1 to 3, further comprising:
and if the card state of the virtual card is confirmed to be a normal state, directly executing refund to the virtual card.
5. A return information processing apparatus characterized by comprising:
the determining unit is used for receiving the return transaction instruction, determining a transaction card number corresponding to the return transaction and confirming the card type of the transaction card number;
the confirming unit is used for confirming the card state of the virtual card if the card type is confirmed to be the virtual card; if the card state of the virtual card is confirmed to be a logout state, confirming the card state of the entity card related to the virtual card;
and the refund unit is used for replacing the virtual card with the entity card and executing refund to the entity card if the card state of the entity card is determined to be a normal state.
6. The return information processing apparatus according to claim 5, wherein the return information processing apparatus is further configured to:
if the card state of the entity card is confirmed to be a logout state, sending a request message for authorizing and inquiring other cards under the user name except the entity card to an account opening terminal;
responding the authorization message fed back by the account opening terminal, and verifying the authorization inquiry password;
if the verification is confirmed to pass, controlling the account opening terminal to display a card list containing the other cards;
responding to a target card selected by a user for receiving refunds aiming at the card list, and determining whether the target card and the entity card are in the same bank;
and if the bank is determined to be the same bank, generating a one-time in-line fund collection instruction to realize refund to the target card.
7. The return information processing apparatus according to claim 6, wherein the return information processing apparatus is further configured to:
if the bank is determined not to be the same bank, confirming the card state of the target card to an issuer of the target card through a preset online interface;
and if the card state of the target card is determined to be a normal state, generating a one-time inter-bank fund collection instruction to realize refund to the target card.
8. The return information processing apparatus according to any one of claims 5 to 7, wherein the return information processing apparatus is further configured to:
and if the card state of the virtual card is determined to be a normal state, directly executing refund to the virtual card.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 4.
11. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 4.
CN202210638767.1A 2022-06-07 2022-06-07 Returned goods information processing method and device Pending CN114926182A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202210638767.1A CN114926182A (en) 2022-06-07 2022-06-07 Returned goods information processing method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210638767.1A CN114926182A (en) 2022-06-07 2022-06-07 Returned goods information processing method and device

Publications (1)

Publication Number Publication Date
CN114926182A true CN114926182A (en) 2022-08-19

Family

ID=82812334

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202210638767.1A Pending CN114926182A (en) 2022-06-07 2022-06-07 Returned goods information processing method and device

Country Status (1)

Country Link
CN (1) CN114926182A (en)

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