CN115310981A - Transaction data processing method and device, electronic equipment and storage medium - Google Patents
Transaction data processing method and device, electronic equipment and storage medium Download PDFInfo
- Publication number
- CN115310981A CN115310981A CN202110491480.6A CN202110491480A CN115310981A CN 115310981 A CN115310981 A CN 115310981A CN 202110491480 A CN202110491480 A CN 202110491480A CN 115310981 A CN115310981 A CN 115310981A
- Authority
- CN
- China
- Prior art keywords
- clearing
- center
- transaction data
- payment
- processing
- 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.)
- Pending
Links
Images
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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a transaction data processing method, a transaction data processing device, electronic equipment and a storage medium, wherein the method comprises the following steps: acquiring transaction data sent by a payment center; and sending a confirmation message to the payment center. The invention separates the clearing center from the original payment center by the function decoupling of the payment system, and operates as an independent platform, the payment and clearing processing can be carried out asynchronously or synchronously, thereby reducing the complexity of the service processing flow, strengthening the service processing performance, and simultaneously carrying out the operation and maintenance processing on the payment center and the clearing center independently, and reducing the difficulty and the cost of the operation and maintenance.
Description
Technical Field
The invention relates to the technical field of payment, in particular to a transaction data processing method and device, electronic equipment and a storage medium.
Background
The online payment means that a financial exchange between a buyer and a seller occurs by using some digital financial instrument supported by a bank through the internet as a carrier to realize processes of online money payment, cash flow, fund clearing, inquiry statistics, etc. from the buyer to a financial institution and between merchants, thereby providing financial support for e-commerce services and other services.
In the prior art, payment and sorting processing are used as combined capacity, and a payment system synchronously completes payment and account processing in the cash receiving process. The sorting processing is scattered in each module of the payment system, and the coupling degree of the internal modules of the payment system is high. The clearing is a data preparation stage of clearing, namely clearing settlement.
However, in the prior art, there is no independent clearing processing center, the clearing service is realized based on payment processing, the payment and the clearing processing are performed synchronously, the service processing flow is complex, the processing performance is low, the difficulty of operation and maintenance is greatly increased, and once the payment or the clearing processing has a problem, the whole payment system needs to be repaired or updated.
Disclosure of Invention
The invention provides a transaction data processing method, a transaction data processing device, electronic equipment and a storage medium, which are used for solving the problems of complex business processing flow, low processing performance and high operation and maintenance difficulty in the prior art.
The invention provides a transaction data processing method, which comprises the following steps:
acquiring transaction data sent by a payment center;
and sending a confirmation message to the payment center.
The invention also provides a transaction data processing method, which comprises the following steps:
sending transaction data to a clearing center;
and acquiring the confirmation message sent by the clearing center.
The present invention also provides a transaction data processing apparatus, comprising:
the first acquisition module is used for acquiring transaction data sent by the payment center;
and the first sending module is used for sending a confirmation message to the payment center.
The present invention also provides a transaction data processing apparatus, comprising:
the second sending module is used for sending the transaction data to the clearing center;
and the second acquisition module is used for acquiring the confirmation message sent by the clearing center.
The invention also provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor executes the program to implement the steps of the transaction data processing method as described in any one of the above.
The invention also provides a non-transitory computer-readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the transaction data processing method as described in any one of the above.
According to the transaction data processing method, the transaction data processing device, the electronic equipment and the storage medium, the function of the payment system is decoupled, the clearing center is separated from the original payment center and operates as an independent platform, the payment and clearing processing can be carried out asynchronously or synchronously, the complexity of a service processing flow is reduced, the service processing performance is enhanced, meanwhile, the operation and maintenance processing can be carried out on the payment center and the clearing center independently, and the difficulty and the cost of the operation and maintenance are reduced.
Drawings
In order to more clearly illustrate the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a schematic flow chart of a transaction data processing method provided by the present invention;
FIG. 2 is an architectural diagram of a payment system in the prior art;
FIG. 3 is a flow diagram of payment processing in the prior art;
FIG. 4 is a schematic diagram of the architecture of a payment system provided by the present invention;
FIG. 5 is a flow diagram of a payment process provided by the present invention;
FIG. 6 is one of the flow diagrams of the clearing process provided by the present invention;
FIG. 7 is a second schematic flow chart of the clearing process provided by the present invention;
FIG. 8 is a third schematic flow chart of the clearing process provided by the present invention;
FIG. 9 is a fourth schematic flow diagram of a clearing process provided by the present invention;
FIG. 10 is a second flowchart of the transaction data processing method according to the present invention;
FIG. 11 is a fifth flowchart of a clearing process provided by the present invention;
FIG. 12 is a schematic diagram of a transaction data processing device according to the present invention;
FIG. 13 is a second schematic structural diagram of a transaction data processing device according to the present invention;
fig. 14 is a schematic structural diagram of an electronic device provided by the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. 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 and the like in the description and in the claims of the present invention 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 embodiments of the invention may be practiced otherwise than as specifically illustrated and described herein.
The following describes embodiments of the present invention in detail by using specific embodiments and application scenarios with reference to the accompanying drawings.
The transaction data processing method provided by the embodiment of the invention can be applied to a financial exchange process between a buyer and a seller by using a certain digital financial tool supported by a bank.
Fig. 1 is a schematic flow diagram of a transaction data processing method provided by the present invention, and as shown in fig. 1, an embodiment of the present invention provides a transaction data processing method, where an execution subject may be a clearing center, and this embodiment takes the clearing center as an example for description. The method comprises the following steps:
Specifically, the clearing center is separated from the original payment center, and an independent clearing processing platform is constructed. After the buyer initiates payment, the payment center acquires the corresponding transaction data, and the clearing center acquires the transaction data acquired by the payment center. The clearing center can acquire the corresponding transaction data when the payment center acquires the transaction data, and can also acquire the transaction data acquired by the payment center when clearing processing is needed.
Fig. 2 is a schematic diagram of the architecture of a payment system in the prior art, and as shown in fig. 2, it can be seen that there is no independent clearing processing center in the prior art, the payment center and the clearing processing are synchronously performed as a combined capability, and various clearing processes are dispersed in each module of the payment center, so that the call relationship for various clearing processing services is complicated.
Fig. 3 is a schematic flow diagram of payment processing in the prior art, and as shown in fig. 3, it can be seen that, in the prior art, when a payment center performs a cash register process, the payment center synchronously completes payment and accounting clearing processing, the payment processing completes payment calculation of a system according to a service scenario, and the clearing processing capability is highly integrated with the payment processing, and is long in service processing flow, complex in processing logic, and low in processing performance. Moreover, when the payment calculation rule is updated or abnormal in the clearing settlement processing service, the whole payment center needs to be updated or repaired, so that the difficulty of operation and maintenance is greatly increased.
In addition, in the prior art, the payment center performs the settlement processing of the merchant at the end of the day or the end of the month, and performs the processing of charging, moistening, settlement and the like, and the realization of the processing is based on the payment processing, and the method cannot be suitable for the settlement, charging, moistening and the like of other services. Moreover, because the payment processing and the sorting processing are synchronously carried out, independent sorting inquiry and account checking processing are not needed, when the system is abnormal, the system can be repaired only through account regulation or data change, and the corresponding fault-tolerant success rate is too high.
Fig. 4 is a schematic diagram of an architecture of a payment system provided by the present invention, and as shown in fig. 4, in the payment system architecture provided by the embodiment of the present invention, a function of an original payment system is split and decoupled, and a clearing center is separated from the original payment center to construct a new payment system architecture.
Fig. 5 is a schematic flow diagram of payment processing provided by the present invention, and as shown in fig. 5, in the payment system architecture provided by the present invention, a clearing center is used as an independent platform, which can provide uniform clearing processing for the payment center and other service modules, and the clearing center is changed from the processing method in the prior art.
As can be seen from fig. 5, in the embodiment of the present invention, the payment center and the clearing center are independent from each other, after the purchaser initiates the payment request, the payment center obtains the transaction data, asynchronously invokes the clearing center to perform processing such as clearing, settlement, charging, and distribution, and the clearing center obtains the transaction data sent by the payment center. The clearing of the transaction data can be carried out while the payment is finished, so that the transaction data can be cleared in real time, and can also be cleared after the payment is finished, such as at the end of the day, the end of the month and even the end of the year.
The clearing center and the payment center are independent of each other, the clearing processing service is independent of the payment processing, when the payment center or the clearing center is abnormal or needs to be updated, only one module needs to be repaired or updated, and the repair or the update does not need to be carried out simultaneously, so that the difficulty of operation and maintenance is reduced.
And 102, sending a confirmation message to the payment center.
Specifically, after the clearing center acquires the transaction data sent by the payment center, no matter whether the transaction data is immediately subjected to processing such as clearing, charging, settlement, and distribution or is subjected to clearing processing at the end of the day and the end of the month, the clearing center needs to give feedback of received data.
Similarly, the clearing center may obtain the transaction data sent by the payment center simultaneously with the transaction data obtained by the payment center, or may obtain the transaction data sent by the payment center when the transaction data needs to be cleared. But feedback to the payment centre is required whenever transaction data is acquired.
According to the transaction data processing method provided by the embodiment of the invention, the clearing center is separated from the payment center through the function decoupling of the payment system and operates as an independent platform, the payment and clearing processing can be carried out asynchronously or synchronously, the complexity of a business processing flow is reduced, the business processing performance is enhanced, meanwhile, the operation and maintenance processing can be carried out on the payment center and the clearing center independently, and the difficulty and the cost of the operation and maintenance are reduced.
Optionally, after the obtaining of the transaction data sent by the payment center, the method further includes:
and clearing the transaction data to obtain a clearing result.
Specifically, the clearing center acquires the transaction data sent by the payment center, and the transaction data is subjected to clearing processing to obtain final results of clearing, charging, settlement and moistening. The clearing is a data preparation stage of clearing, and transaction data is subjected to processing such as summarizing, sorting and classifying.
For example, the clearing process includes a liquidation registration, liquidation registration inquiry, refund liquidation registration, generation of a reconciliation file, and the like. Several specific clearing services are exemplified below.
Fig. 6 is a schematic flow diagram of the clearing process provided by the present invention, and as shown in fig. 6, after the clearing center receives a real-time clearing or asynchronous clearing registration request initiated by the payment center, the clearing center summarizes the registration request information according to the service type, and generates a registration entry record such as a clearing table. The service types comprise member recharging, flow recharging, transfer, withdrawal, refund application and the like, and the registration request information comprises information such as total transaction amount, transaction time, service fee amount and the like.
When the service type is flow recharging, member recharging and the like, because the service needs to be billed, the clearing center initiates a billing application to the accounting system, and the accounting system feeds back the account application to the clearing center after performing accounting registration. The clearing centre can feed back to the payment centre that the registration was successful or that the result is being processed. And after receiving the feedback of successful registration of the clearing center, the payment center updates the registration state of the corresponding transaction data so as to inquire or arrange the transaction data subsequently.
The logging registration of the transaction data is a precondition for further processing the transaction data. Successful entry of the registration is also a prerequisite for the inquiry of the payment order or the application of the refund process by the user.
Fig. 7 is a second schematic flow chart of the clearing process provided by the present invention, and as shown in fig. 7, when the details of the order are required to be queried or the user applies for a refund, the payment center needs to query the result of the liquidation registration of the order, whether the registration is successful or is in process.
The specific flow is that the clearing center receives a clearing inquiry request initiated by the payment center in real time, and the clearing center inquires whether the order is successfully cleared through a clearing table and the like. If the services are the services of flow recharging, member recharging and the like, the services need to be accounted, so that the clearing center initiates accounting application to the accounting system, and the accounting system feeds back the accounting application to the clearing center after accounting registration. The clearing center can feed back the result of the clearing and registering of the order of the payment center, namely whether the registering and registering are successful or not, or the order is in the process.
The inquiry of the transaction data is the necessary processing when the user applies for operations such as refund, and the refund operation can be carried out only if the order is confirmed to be genuine through inquiry.
Fig. 8 is a third flow chart of the clearing process according to the present invention, and as shown in fig. 8, when the order score registration result is confirmed, the refund score registration is performed. Processing transaction data includes both processing positive transactions, such as payment data, and processing negative transactions, such as refund data.
The clearing center sends a clearing and registering result about the order to the payment center, after the payment center confirms that the clearing and registering of the order are successfully recorded, the clearing center receives a clearing and refunding request sent by the payment center, the clearing center performs clearing and refunding registration after receiving the request of the payment center, the registering result is fed back to the payment center, and the payment center updates the state of the clearing and refunding registering result according to the feedback result. The clearing center can carry out batch clearing processing on the refund orders at the end of day, month and year.
For the order applying for refund, the clearing center does not need to make an account, the clearing record can be a flow meter, the refund transaction is recorded as a new record, and the positive and negative transactions are recorded in a positive and negative data mode.
The transaction data processing provided by the embodiment of the invention has the advantages that the transaction data are subjected to clearing settlement through the independent clearing center, the complexity of the business processing flow is reduced, the business processing performance is enhanced, meanwhile, the operation and maintenance processing can be independently carried out on the payment center and the clearing center, and the operation and maintenance difficulty and cost are reduced.
Optionally, after the clearing the transaction data and obtaining the clearing result, the clearing method further includes:
acquiring an account checking file request sent by a scheduling center;
generating a reconciliation file based on the clearing result;
and sending the reconciliation file to the dispatching center.
Specifically, fig. 9 is a fourth schematic flow chart of the clearing process provided by the present invention, and as shown in fig. 9, because there is data interaction between the payment center and the clearing center, it is necessary to generate a reconciliation file between the payment center and the clearing center in order to perform a reconciliation process on the reconciliation platform, so as to avoid that data records are disordered due to inconsistency of transaction data information recorded by the payment center and the clearing center.
And the dispatching center carries out unified batch dispatching on the transaction data. When the clearing center receives the account checking file request sent by the scheduling center, the clearing center generates a local file according to the historical data information, the clearing center inquires the clearing result records of all platforms of the payment system, the clearing result records are summarized and written into the local file to generate an account checking file, and the account checking file is uploaded to a file server to be stored. And then feeding back the result generated by the account checking file to the dispatching center.
The main purpose of generating the reconciliation file is to check and examine the transaction data and correct and supplement the phenomena of error logging, omission logging and the like.
According to the transaction data processing method provided by the embodiment of the invention, the clearing center and the payment center are independent from each other, account checking is carried out on interactive data by generating account checking files of the two platforms, inconsistent transaction data recorded by the two platforms are corrected and supplemented in time, and the fault tolerance success rate when the transaction data is subjected to error correction is reduced.
Fig. 10 is a second schematic flow chart of the transaction data processing method provided by the present invention, and as shown in fig. 10, an execution subject may be a payment center, and this embodiment takes the payment center as an example for description. The method comprises the following steps:
Specifically, the clearing center is separated from the original payment center, and an independent clearing center is constructed. After the buyer initiates payment, the payment center acquires corresponding transaction data and sends the transaction data to the clearing center for subsequent clearing settlement processing. The payment center can send the transaction data to the clearing center while acquiring the transaction data, and can send the transaction data to the clearing center when the transaction data needs to be cleared.
In this embodiment, the architecture and the payment processing flow of the payment system provided in the prior art and the present invention are not described in detail again.
In the embodiment of the invention, the clearing center and the payment center are independent from each other, the clearing settlement of the transaction data is completed without payment processing, the clearing settlement processing of the transaction data can be carried out synchronously with the payment or at any time point after the payment, and the complexity of the payment service processing flow is greatly reduced.
Furthermore, the clearing center is separated from the original payment center, when the payment center or the clearing center is abnormal or needs to be updated, only the module needing to be repaired or updated needs to be processed, and the payment module and the clearing module do not need to be repaired or updated simultaneously, so that the operation and maintenance difficulty and the cost investment are greatly reduced.
Specifically, after the payment center sends the transaction data to the clearing center, no matter how the clearing center performs subsequent processing, such as clearing, charging, settlement, distribution, and the like, real-time feedback of the transaction data received by the clearing center needs to be obtained to confirm successful delivery of the transaction data.
Similarly, the payment center sends the transaction data to the clearing center, which may be performed while the payment center acquires the transaction data, or may send the transaction data to the clearing center when the transaction data needs to be cleared. However, whenever transaction data is sent to the clearing house, feedback is required that the clearing house has succeeded or failed in receiving the data.
According to the transaction data processing method provided by the embodiment of the invention, the clearing center is separated from the payment center and operates as an independent platform, the payment and clearing processing can be carried out asynchronously or synchronously, the complexity of a service processing flow is reduced, the service processing performance is enhanced, meanwhile, the payment center and the clearing center can be independently carried out operation and maintenance processing, and the difficulty and cost of operation and maintenance are reduced.
Optionally, after obtaining the confirmation message sent by the clearing center, the method further includes:
and acquiring a clearing result sent by the clearing center.
Specifically, the payment center transmits the transaction data to the clearing center in order to perform clearing processing on the transaction data and obtain the final results of clearing, charging, settlement and moistening. The clearing is a data preparation stage of clearing, and transaction data is subjected to processing such as summarizing, sorting and classifying.
For example, the clearing process includes a clearing registration, a clearing registration inquiry, a refund clearing registration, a generation of a reconciliation file, and the like. Several specific clearing services are exemplified below.
Fig. 6 is a schematic flow diagram of the clearing process provided by the present invention, and as shown in fig. 6, after the payment center initiates a real-time clearing or asynchronous clearing registration request to the clearing center, the clearing center summarizes the registration request information according to the service type to generate registration entry records such as a clearing table. The service types comprise member recharging, flow recharging, transfer, withdrawal, refund application and the like, and the registration request information comprises information such as total transaction amount, transaction time, service fee amount and the like.
When the service type is flow recharging, member recharging and the like, because the service needs to be billed, the clearing center initiates a billing application to the accounting system, and the accounting system feeds back the account application to the clearing center after performing accounting registration. The payment centre can receive a successful registration of the clearing centre or a feedback of the results being processed. And after receiving the feedback of successful registration of the clearing center, the payment center updates the registration state of the corresponding transaction data so as to inquire or arrange the transaction data subsequently.
The logging registration of the transaction data is a precondition for further processing the transaction data. Successful entry of the registration is also a prerequisite for the inquiry of the payment order or the application of the refund process by the user.
Fig. 7 is a second schematic flow chart of the clearing process provided by the present invention, and as shown in fig. 7, when the details of the order are required to be queried or the user applies for a refund, the payment center needs to query the result of the liquidation registration of the order, whether the registration is successful or is in process.
The specific flow is that the payment center sends a clearing inquiry request to the clearing center in real time, and the clearing center inquires whether the order is cleared successfully or not through a clearing table and the like. If the services are the services of flow recharging, member recharging and the like, the services need to be accounted, so that the clearing center initiates accounting application to the accounting system, and the accounting system feeds back the accounting application to the clearing center after accounting registration. The payment centre can receive the result of the liquidation centre on the liquidation registration of the order, i.e. whether the registration is successful or not, or in the process.
The inquiry of the transaction data is the necessary processing when the user applies for operations such as refund, and the refund operation can be carried out only if the order is confirmed to be genuine through inquiry.
Fig. 8 is a third schematic flow chart of the clearing process provided by the present invention, and as shown in fig. 8, when the payment center receives the feedback of the confirmed order clearing registration result, the refund clearing registration is performed. Processing transaction data includes both processing positive transactions, such as payment data, and processing negative transactions, such as refund data.
The payment center sends a score clearing and registering result about the order to the clearing center, after the payment center confirms that the score clearing and registering of the order is successfully recorded, the payment center sends a score clearing and refunding request to the clearing center, the clearing center receives the request of the payment center, then the score clearing and refunding registration is carried out, the registering result is fed back to the payment center, and the state of the score clearing and refunding registering result is updated by the payment center according to the feedback result. The clearing center can carry out batch clearing processing on the refund orders at the end of day, month and year.
For the order applying for refund, the clearing center does not need to make an account, the clearing record can be a flow meter, the refund transaction is recorded as a new record, and the positive and negative transactions are recorded in a positive and negative data mode.
The transaction data processing provided by the embodiment of the invention has the advantages that the transaction data are subjected to clearing settlement through the independent clearing center, the complexity of the business processing flow is reduced, the business processing performance is enhanced, meanwhile, the operation and maintenance processing can be independently carried out on the payment center and the clearing center, and the operation and maintenance difficulty and cost are reduced.
Optionally, after obtaining the clearing result sent by the clearing center, the method further includes:
sending a reconciliation file request;
acquiring a reconciliation file;
and auditing treatment is carried out based on the reconciliation file.
Specifically, fig. 9 is a fourth schematic flow chart of the clearing process provided by the present invention, and as shown in fig. 9, because there is data interaction between the payment center and the clearing center, it is necessary to generate a reconciliation file between the payment center and the clearing center in order to perform a reconciliation process on the reconciliation platform, so as to avoid that data records are disordered due to inconsistency of transaction data information recorded by the payment center and the clearing center.
And the dispatching center carries out unified batch dispatching on the transaction data. When the clearing center receives an account checking file request sent by the scheduling center, the clearing center generates a local file according to the historical data information, inquires the clearing result records of all platforms of the payment system, collects and writes the clearing result records into the local file to generate an account checking file, and uploads the account checking file to the file server for storage. And then feeding back the result generated by the account checking file to the dispatching center.
The main purpose of generating the reconciliation file is to check and examine the transaction data and correct and supplement the phenomena of error logging, omission logging and the like. In the embodiment of fig. 9, the payment center sends a reconciliation file request to the file server, acquires a reconciliation file stored in the file server, and performs auditing on the reconciliation file. The auditing is checking and auditing, and the transaction data is checked and calculated.
At this time, because the clearing center, the file server and the scheduling center all obtain the reconciliation file, the object for sending the request of the reconciliation file by the payment center is not single.
Fig. 11 is a fifth schematic flow chart of the clearing process provided by the present invention, and as shown in fig. 11, the payment center sends a request for acquiring the reconciliation file to the clearing center, acquires the reconciliation file from the clearing center, and then performs audit processing on the reconciliation file.
In an embodiment, not shown, the payment center sends a request for obtaining the reconciliation files to the scheduling center, obtains the reconciliation files from the scheduling center, and then performs auditing on the reconciliation files.
According to the transaction data processing method provided by the embodiment of the invention, the clearing center and the payment center are independent from each other, account checking is carried out on interactive data by generating account checking files of the two platforms, and transaction data recorded by the two platforms and inconsistent in record are corrected and supplemented in time, so that the fault-tolerant success rate when the transaction data is investigated is reduced.
Fig. 12 is a schematic structural diagram of a transaction data processing apparatus provided in the present invention, and as shown in fig. 12, the transaction data processing apparatus provided in the embodiment of the present invention includes a first obtaining module 1201 and a first sending module 1202, where:
the first obtaining module 1201 is configured to obtain transaction data sent by a payment center; the first sending module 1202 is configured to send a confirmation message to the payment center.
Fig. 13 is a second schematic structural diagram of the transaction data processing apparatus provided in the present invention, and as shown in fig. 13, the transaction data processing apparatus provided in the embodiment of the present invention includes a second sending module 1301 and a second obtaining module 1302, where:
the second sending module 1301 is used for sending transaction data to the clearing center; the second obtaining module 1302 is configured to obtain the confirmation message sent by the clearing center.
Specifically, the transaction data processing apparatus provided in the embodiment of the present invention can implement all the method steps implemented in the method embodiment, and can achieve the same technical effects, and details of the same parts and beneficial effects as those in the method embodiment in this embodiment are not described herein again.
Fig. 14 is a schematic structural diagram of an electronic device provided in the present invention, and as shown in fig. 14, the electronic device may include: a processor (processor) 1401, a communication Interface (Communications Interface) 1402, a memory (memory) 1403, and a communication bus 1404, wherein the processor 1401, the communication Interface 1402, and the memory 1403 communicate with each other via the communication bus 1404. The processor 1401 may invoke logic instructions in the memory 1403 to perform a method of transaction data processing comprising:
acquiring transaction data sent by a payment center;
and sending a confirmation message to the payment center.
In addition, the logic instructions in the memory 1403 can be implemented in the form of software functional units and stored in a computer readable storage medium when the software functional units are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk, and various media capable of storing program codes.
In another aspect, the present invention also provides a computer program product comprising a computer program stored on a non-transitory computer-readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the transaction data processing method provided by the above methods, the method comprising:
acquiring transaction data sent by a payment center;
and sending a confirmation message to the payment center.
In yet another aspect, the present invention also provides a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, is implemented to perform the transaction data processing method provided above, the method comprising:
acquiring transaction data sent by a payment center;
and sending a confirmation message to the payment center.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment may be implemented by software plus a necessary general hardware platform, and may also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. A method of transaction data processing, comprising:
acquiring transaction data sent by a payment center;
and sending a confirmation message to the payment center.
2. The transaction data processing method of claim 1, wherein after acquiring the transaction data sent by the payment center, the method further comprises:
and clearing the transaction data to obtain a clearing result.
3. The transaction data processing method of claim 2, wherein after the clearing the transaction data and obtaining the clearing result, further comprising:
acquiring an account checking file request sent by a scheduling center;
generating a reconciliation file based on the clearing result;
and sending the reconciliation file to the dispatching center.
4. A transaction data processing method, comprising:
sending transaction data to a clearing center;
and acquiring the confirmation message sent by the clearing center.
5. The transaction data processing method of claim 4, wherein after obtaining the confirmation message sent by the clearing center, further comprising:
and acquiring a clearing result sent by the clearing center.
6. The transaction data processing method according to claim 5, wherein after obtaining the clearing result sent by the clearing center, the method further comprises:
sending a request for a reconciliation file;
acquiring a reconciliation file;
and auditing treatment is carried out based on the reconciliation file.
7. A transaction data processing apparatus, comprising:
the first acquisition module is used for acquiring transaction data sent by the payment center;
and the first sending module is used for sending a confirmation message to the payment center.
8. A transaction data processing apparatus, comprising:
the second sending module is used for sending the transaction data to the clearing center;
and the second acquisition module is used for acquiring the confirmation message sent by the clearing center.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the steps of the transaction data processing method according to any of claims 1 to 6.
10. A non-transitory computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the transaction data processing method according to any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110491480.6A CN115310981A (en) | 2021-05-06 | 2021-05-06 | Transaction data processing method and device, electronic equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110491480.6A CN115310981A (en) | 2021-05-06 | 2021-05-06 | Transaction data processing method and device, electronic equipment and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN115310981A true CN115310981A (en) | 2022-11-08 |
Family
ID=83853890
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110491480.6A Pending CN115310981A (en) | 2021-05-06 | 2021-05-06 | Transaction data processing method and device, electronic equipment and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN115310981A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115936885A (en) * | 2023-03-09 | 2023-04-07 | 深圳华锐分布式技术股份有限公司 | Method, device, equipment and medium for real-time execution of clearing task |
-
2021
- 2021-05-06 CN CN202110491480.6A patent/CN115310981A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115936885A (en) * | 2023-03-09 | 2023-04-07 | 深圳华锐分布式技术股份有限公司 | Method, device, equipment and medium for real-time execution of clearing task |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20110231283A1 (en) | Online Processing for Offshore Business Transactions | |
| AU2016204085A1 (en) | System, method, and program product for unit transfer fee processing | |
| CN107665445B (en) | Method and device for processing order redemption message | |
| CN112116340B (en) | Account separating method and system based on bank merchant order receiving mode | |
| CN111292072B (en) | Credit receiving and paying system based on value chain and block chain and working method thereof | |
| JP2002236800A (en) | Device/method for aggregating transaction information on financial transaction, recording medium with program for carrying out the device stored thereon and recording medium with program for carrying out the method stored thereon | |
| AU2004267826A1 (en) | Electronic payment system | |
| CN110852734A (en) | Scenic spot service settlement method and system based on block chain and electronic equipment | |
| CN106803177A (en) | For the Multiple Currencies method of payment and device of e-commerce platform | |
| JP2015204063A (en) | factoring system and factoring method | |
| CN112435019A (en) | General settlement method, settlement server, system and storage medium for multi-service platform | |
| KR20020013677A (en) | Method and Device for Bill Account by On-line Certified Contract | |
| CN110659992A (en) | Heavy metal transaction data processing method and device based on block chain | |
| CN115310981A (en) | Transaction data processing method and device, electronic equipment and storage medium | |
| CN111292073B (en) | Offline payment system and method based on payment platform | |
| CN113177772A (en) | Service data processing method, device and system | |
| JP2001266025A (en) | Method and system for price settlement management | |
| CN111027939A (en) | Enterprise invoice data collaborative management method and device and storage medium | |
| JP2001306962A (en) | Commodity transaction system with funds raising function | |
| CN101663683A (en) | System and method for financial transaction | |
| CN111932255B (en) | Method and device for realizing transaction reconciliation based on encrypted currency | |
| US20200219153A1 (en) | Transaction Model for Bank Balance Sheets | |
| CN113792533A (en) | Data processing method, data processing device, storage medium and electronic equipment | |
| US8538839B2 (en) | System, method, and program product for unit transfer fee processing | |
| JP7162791B1 (en) | Information processing device, information processing method, and program |
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 |