CN116245530A - Multi-type payment transaction method, device, electronic equipment and storage medium - Google Patents
Multi-type payment transaction method, device, electronic equipment and storage medium Download PDFInfo
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- 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
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- 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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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Abstract
The embodiment of the invention provides a multi-type payment transaction method, a device, electronic equipment and a storage medium, wherein a consumption transaction message is generated by receiving a consumption transaction request initiated by a merchant terminal, the consumption transaction message is sent to an account terminal, the consumption transaction message comprises at least one business management parameter, a consumption transaction result sent by the account terminal is received, the consumption transaction result is generated by the account terminal based on preset judgment logic aiming at the business management parameter, and balance and loan amount control report forms are generated according to the consumption transaction result, so that a fund using sequence conforming to the preference of the user is provided for the user, loan funds are prevented from being extracted in advance for each consumption amount, and a transaction platform automatically judges whether to agree to occupy the loan amount according to business rules preset by a loan mechanism, so that the loan funds are ensured not to be illegally used, and the loan mechanism is illegal.
Description
Technical Field
The present invention relates to the field of bank payment settlement technologies, and in particular, to a multi-type payment transaction method, a multi-type payment transaction device, an electronic apparatus, and a storage medium.
Background
The commercial banks and loan institutions consume loans and manage loan products of loans, which makes outstanding contributions in supporting reasonable consumption of residents and production and management of civil enterprises and small and micro enterprises, but meanwhile, because commercial banks and loan institutions have difficulty in controlling the practical use of borrower loan funds, a small part of loan funds are moved by borrowers to be used in non-consumption and non-management fields.
Disclosure of Invention
In view of the above, embodiments of the present invention have been made to provide a multi-type payment transaction method and corresponding multi-type payment transaction apparatus, electronic device, and storage medium that overcome or at least partially solve the above problems.
In order to solve the above-mentioned problems, an embodiment of the present invention discloses a method for multi-type payment transaction, which is applied to a retail payment mode, wherein the payment type includes at least one of a loan amount and an account balance, and the method is applied to a transaction platform and includes:
receiving a consumption transaction request initiated by a merchant terminal, and generating a consumption transaction message;
sending the consumption transaction message to an account end, wherein the consumption transaction message comprises at least one service management parameter;
receiving a consumption transaction result sent by the account terminal, wherein the consumption transaction result is generated by the account terminal based on preset judgment logic aiming at the service management parameters;
and generating balance and loan control report forms according to the consumption transaction results.
Optionally, the method further comprises:
receiving loan amount contract requests aiming at the merchant end and the account end, and configuring the use sequence of the loan amount and the account balance; the order of use includes a priority use of the loan amount and a priority use of the account balance.
Optionally, the service management parameters include: merchant category code, blacklist/whitelist, keywords; the state of the key word includes: hit, miss; the step of receiving a consumption transaction result sent by the account terminal, wherein the consumption transaction result is generated by the account terminal based on preset judgment logic aiming at the service management parameter comprises the following steps:
determining the state of the keyword, if the state of the keyword is hit, failing to trade, and refusing to use the loan amount;
if the state of the keyword is not hit, the state of the merchant category code is further judged.
Optionally, the state of the merchant category code includes: allow all, prohibit all; if the state of the keyword is not hit, the step of further judging the state of the merchant category code includes:
if the state of the merchant category code is allowed to be all, judging the state of the blacklist;
and if the state of the merchant category code is forbidden, judging the state of the white list.
Optionally, the state of the blacklist includes: hit, miss; and if the state of the merchant category code is allowed to be all, judging the state of the blacklist comprises the following steps:
when the state of the blacklist is hit, the transaction fails, and the loan amount is refused to be used;
and when the state of the blacklist is not hit, the transaction is successful, and the loan amount is agreed to be used.
Optionally, the state of the white list includes: hit, miss; and if the state of the merchant category code is forbidden, judging the state of the white list comprises the following steps:
when the state of the white list is hit, the transaction is successful, and the loan amount is agreed to be used;
and when the state of the white list is not hit, the transaction fails, and the loan amount is refused to be used.
Optionally, the consumption transaction message further includes an order number, and the method further includes:
receiving an goods returning transaction request initiated by the merchant terminal, and generating a goods returning transaction message, wherein the goods returning transaction message comprises an order number;
inquiring the consumption transaction message according to the order number in the return transaction message, and returning according to the order of returning the loan amount preferentially.
The embodiment of the invention also discloses a device for multi-type payment transaction, which is characterized by being applied to a retail payment mode, wherein the payment type comprises at least one of loan amount and account balance, and the device is applied to a transaction platform and comprises the following components:
the consumption transaction message module is used for receiving a consumption transaction request initiated by a merchant terminal and generating a consumption transaction message;
the sending module is used for sending the consumption transaction message to an account end, wherein the consumption transaction message comprises at least one service management parameter;
the consumption transaction result module is used for receiving a consumption transaction result sent by the account terminal, and the consumption transaction result is generated by the account terminal based on preset judgment logic aiming at the service management parameters;
and the report generation module is used for generating a balance and loan control report according to the consumption transaction result.
The embodiment of the invention also discloses an electronic device, which is characterized by comprising: a processor, a memory and a computer program stored on the memory and capable of running on the processor, which when executed by the processor, implements the steps of the multi-type payment transaction method as described above.
The embodiment of the invention also discloses a computer readable storage medium, which is characterized in that the computer readable storage medium stores a computer program, and the computer program realizes the steps of the multi-type payment transaction method when being executed by a processor.
The embodiment of the invention has the following advantages: the method comprises the steps of generating a consumption transaction message by receiving a consumption transaction request initiated by a merchant terminal, sending the consumption transaction message to an account terminal, wherein the consumption transaction message comprises at least one business management parameter, receiving a consumption transaction result sent by the account terminal, generating the consumption transaction result by the account terminal based on preset judgment logic aiming at the business management parameter, and generating a balance and loan control report according to the consumption transaction result, so that a fund using sequence conforming to the preference of a user can be provided, and the step of extracting loan funds in advance for each consumption branch is avoided; and the trading platform automatically judges whether to agree to occupy the loan amount according to the preset business rule of the loan organization, ensures that the loan funds cannot be illegally stolen by a user, causes the loan organization to be illegal, can ensure that the user clearly knows whether the loan organization allows the loan amount to be used in the consuming process, avoids the risk that the loan organization refuses the transaction in a payment link after the loan funds are extracted in advance, and can also display business data in real time according to the balance and a loan use control report.
Drawings
FIG. 1 is a flow chart of steps of an embodiment of a multi-type payment transaction method of the present invention;
FIG. 2 is a flow chart of steps of another embodiment of a multi-type payment transaction method of the present invention;
FIG. 3 is a logic table of service management parameter determination in a multi-type payment transaction method of the present invention;
fig. 4 is a block diagram of an embodiment of a multi-type payment transaction device of the present invention.
Detailed Description
In order that the above-recited objects, features and advantages of the present invention will become more readily apparent, a more particular description of the invention will be rendered by reference to the appended drawings and appended detailed description.
One of the core concepts of the embodiment of the invention is that a consumption transaction message is generated by receiving a consumption transaction request initiated by a merchant terminal, the consumption transaction message is sent to an account terminal, the consumption transaction message comprises at least one service management parameter, a consumption transaction result sent by the account terminal is received, the consumption transaction result is generated by the account terminal based on a preset judgment logic aiming at the service management parameter, and a balance and loan control report is generated according to the consumption transaction result, so that a fund use sequence conforming to the preference of the user can be provided for the user, and the step of extracting loan fund in advance for each consumption branch is avoided; and the trading platform automatically judges whether to agree to occupy the loan amount according to the preset business rule of the loan organization, ensures that the loan funds cannot be illegally stolen by a user, causes the loan organization to be illegal, can ensure that the user clearly knows whether the loan organization allows the loan amount to be used in the consuming process, avoids the risk that the loan organization refuses the transaction in a payment link after the loan funds are extracted in advance, and can also display business data in real time according to the balance and a loan use control report.
Referring to fig. 1, there is shown a flowchart of steps of an embodiment of a multi-type payment transaction method of the present invention, applied to a retail type payment method, the payment type including at least one of a loan amount and an account balance, the method being applied to a transaction platform, and specifically comprising the steps of:
the multi-type payment transaction method provided in this embodiment can be widely applied to a payment channel supporting C2B (Customer to Business, that is, consumer to business) retail consumer transactions, including payment channels such as silver-linked, internet-linked, digital renminbi, etc., and can be widely applied to mainstream retail payment modes, including personal-to-merchant static codes, personal-to-merchant dynamic codes, merchant personal-to-merchant personal-payment codes, swipe-card payments, swing-card payments, flash payments, NFC (Near Field Communication, near-field communication) bump-to-bump, card-less payments, H5 (5 th generation HTML (Hyper Text Markup Language, hypertext markup language)) payments, pull-up payments, APP (application software) internal payments, applet payments, shortcut payments, etc.
A message (message) is a data unit exchanged and transmitted in a network, i.e. a data block to be sent by a station at one time. The message contains the complete data information to be sent, and the length of the message is not consistent, and the length of the message is unlimited and variable.
The borrower purchases goods or services at the merchant and initiates a request for a consumption transaction at the merchant, and the borrower needs to occupy the loan amount to pay for full amount. And the transaction platform receives the consumption transaction request initiated by the merchant terminal and generates a consumption transaction message.
the consumption transaction message comprises the sent complete consumption transaction data information, such as business management parameters, the business management parameters can be various, the consumption transaction message comprises at least one business management parameter, and the transaction platform sends the consumption transaction message to the account after generating the consumption transaction message.
the service management parameters can be in various types, each service management parameter has different states, after the account end receives the consumption transaction message, the consumption transaction result can be judged based on preset judgment logic according to the states of the service management parameters, the consumption transaction result is sent to the transaction platform, and the transaction platform receives the consumption transaction result sent by the account end.
And 104, generating a balance and loan control report according to the consumption transaction result.
The consumption transaction result comprises a transaction success or a transaction failure, if the transaction success, the loan amount is agreed to be used, and if the transaction failure, the loan amount is refused to be used.
And the transaction platform generates a balance and loan control report according to the received consumption transaction result, wherein the balance and loan control report comprises a loan amount control release daily report, a loan amount control rejection daily report and a loan amount control real-time billboard. The loan amount control release daily statement presents summary data and detail information of the successful use of the loan amount by the loan agency. The aggregated information includes transaction numbers and transaction amounts. The detail information includes information such as transaction date, loan amount number, loan agency number, payment channel, merchant name, commodity name, transaction amount, etc. The loan amount control refuses the daily statement to display summary data and detail information that the loan agency refuses to use the loan amount. The aggregated information includes transaction numbers and transaction amounts. The detail information includes information such as transaction date, loan amount number, loan agency number, payment channel, merchant name, commodity name, transaction amount, etc. The loan amount control real-time billboard comprises summarized data of a loan amount control release daily statement and a loan amount control rejection daily statement, and service data is displayed in real time according to dimensions such as first-class branch institutions, time, duty ratio, rejection reasons and the like.
In the embodiment, a consumption transaction message is generated by receiving a consumption transaction request initiated by a merchant terminal, the consumption transaction message is sent to an account terminal, the consumption transaction message comprises at least one business management parameter, a consumption transaction result sent by the account terminal is received, the consumption transaction result is generated by the account terminal based on preset judgment logic aiming at the business management parameter, and balance and loan control report forms are generated according to the consumption transaction result, so that a fund using sequence conforming to the preference of the user can be provided, and the step of extracting loan funds in advance for each consumption branch is avoided; and the trading platform automatically judges whether to agree to occupy the loan amount according to the preset business rule of the loan organization, ensures that the loan funds cannot be illegally stolen by a user, causes the loan organization to be illegal, can ensure that the user clearly knows whether the loan organization allows the loan amount to be used in the consuming process, avoids the risk that the loan organization refuses the transaction in a payment link after the loan funds are extracted in advance, and can also display business data in real time according to the balance and a loan use control report.
Referring to fig. 2, there is shown a flow chart of steps of another embodiment of a multi-type payment transaction method of the present invention, applied to a retail type payment method, the payment type including at least one of a loan amount and an account balance, the method being applied to a transaction platform, and specifically may include the steps of:
when borrowers apply for loans, such as consumption loans, management loans and the like to account terminals through a transaction platform, the transaction platform receives loan value unit contract requests aiming at loan value unit contracts, and configures the use sequence of the loan value units and account balances according to the loan value unit contract requests, so that merchant terminals have the preconditions of directly using the loan value units during consumption, and the transaction platform can provide fund use sequences conforming to the preference of the users without applying for the loan value units before making consumption payment.
The borrower can select the use sequence of the credit line and the account balance at the transaction platform independently, and the use sequence can be set as 'preferentially using the account balance' or 'preferentially using the loan credit line'. The borrower can inquire and change the fund using sequence at the merchant end through the account end in the valid period of the loan amount.
By "preferentially using account balance" is meant that the merchant end preferentially uses the account balance, rather than preferentially occupying the credit amount and subsequent credit, when actually initiating a consumer transaction. So that the loan amount is actually used only when the account balance is insufficient.
By "preferentially using the credit line" is meant that the merchant end preferentially occupies the credit line and subsequent credit usage when actually initiating the consumption transaction, rather than preferentially using the account balance. So that the balance of funds in the bank settlement account or the bank debit card is actually used only when the loan amount is insufficient.
After the merchant terminal and the account terminal sign the loan amount contract, the transaction platform can receive a loan amount contract request aiming at the loan amount contract, and the use sequence of the loan amount and the account balance is configured according to the loan amount contract request, so that the merchant terminal has the precondition that the loan amount is directly used in consumption, the transaction platform can provide the user with the fund use sequence conforming to the preference of the user, and the user does not need to apply for the loan amount before paying for consumption in each consumption.
the borrower purchases goods or services at the merchant and initiates a request for a consumption transaction at the merchant, and the borrower needs to occupy the loan amount to pay for full amount. And the transaction platform receives the consumption transaction request initiated by the merchant terminal and generates a consumption transaction message.
the consumption transaction message comprises the sent complete consumption transaction data information, such as business management parameters, the business management parameters can be various, the consumption transaction message comprises at least one business management parameter, and the transaction platform sends the consumption transaction message to the account after generating the consumption transaction message.
before judging the preset judgment logic, the state of the loan amount and the account balance needs to be judged: when the use sequence is that the loan amount is used preferentially, if the loan amount is insufficient, the state of the account balance is continuously judged, and if the use account balance is insufficient for payment, a message of transaction failure is returned; if the loan amount is sufficient for payment or the loan amount is insufficient and the account balance is sufficient for payment, continuing to judge the preset judgment logic. When the use sequence is that the account balance is used preferentially, if the account balance is insufficient, the state of the loan amount is continuously judged, and if the loan amount is insufficient for payment, a message of transaction failure is returned; if the account balance is sufficient for payment or the account balance is insufficient and the loan amount is sufficient for payment, continuing to judge the preset judgment logic.
The service management parameters can be in various types, each service management parameter has different states, after the account end receives the consumption transaction message, the consumption transaction result can be judged based on preset judgment logic according to the states of the service management parameters, the consumption transaction result is sent to the transaction platform, and the transaction platform receives the consumption transaction result sent by the account end.
In an optional embodiment of the invention, the service management parameter includes: merchant category code, blacklist/whitelist, keywords; the state of the key word includes: hit, miss; the step 204 includes:
step S11, determining the state of the keyword, if the state of the keyword is hit, failing to trade, and refusing to use the loan amount;
the service management parameters include: merchant category code, blacklist/whitelist, keyword. The keyword refers to a keyword parameter maintained by a loan organization for one or more items of information such as commodity name, order information and the like, the state of the keyword can comprise hit and miss, when the consumption transaction message information comprises the keyword, the state of the keyword is indicated to be hit at the moment, and the loan amount and subsequent loan amount are refused to be occupied by the transaction, so that the transaction failure is determined.
And step S12, if the state of the keyword is not hit, further judging the state of the merchant category code.
When the consumption transaction message information does not comprise the keyword, the state of the keyword is not hit, and the state of the merchant category code can be further judged.
In an alternative embodiment of the present invention, the state of the merchant category code includes: allow all, prohibit all; the substep S12 includes:
s21, judging the state of the blacklist if the state of the merchant category code is allowed;
the merchant category code (MCC, merchant Category Code) management refers to the management rule maintained by the loan organization for a certain merchant category code, and the staff decides to maintain "allow all" or "prohibit all" for a certain merchant category code according to the actual situation, and defaults to "prohibit all".
The maintenance of a merchant category code as "allow all" means that when a certain consumption transaction needs to occupy the loan amount, the loan institution agrees that the consumption transaction occupies the loan amount according to the same merchant category code carried by the consumption transaction message.
Maintaining a merchant class code as "prohibited all" means that when a consumer transaction needs to occupy the loan amount, the loan institution refuses to occupy the loan amount for the consumer transaction according to the same merchant class code carried by the consumer transaction message. The merchant category code management supports batch import, manual maintenance and other modes, and double check is needed.
When the state of the merchant category code is allowed to be all, the state of the blacklist can be judged.
And S22, judging the state of the white list if the state of the merchant category code is forbidden.
When the state of the merchant category code is forbidden, the state of the white list can be judged.
In an alternative embodiment of the present invention, the state of the blacklist includes: hit, miss; the substep S21 includes:
step S31, when the state of the blacklist is hit, the transaction fails, and the loan amount is refused to be used;
the blacklist refers to forbidden parameters maintained by the loan organization aiming at one or more additional information such as merchant numbers, business types and the like when the state of the merchant category code is allowed, and the loan amount and subsequent loan amount are refused to be occupied by the transaction when the merchant category code carried by the consumption transaction message is allowed but other business information meets the forbidden parameter condition. The blacklist supports the modes of automatic synchronization, batch introduction, manual maintenance and the like, wherein the batch introduction and the manual maintenance need double review.
When the state of the merchant category code is allowed, the state of the blacklist needs to be further judged, and when the state of the blacklist is hit, the condition that other business information in the consumption transaction message meets the forbidden parameter condition is indicated, the transaction is refused to occupy the loan amount and the subsequent loan use, and therefore the transaction fails.
In the substep S32, when the state of the blacklist is not hit, the transaction is successful, and the loan amount is agreed to be used.
When the state of the blacklist is not hit, the fact that other business information in the consumption transaction message does not meet the forbidden parameter condition is indicated, and the transaction is successful because the transaction occupies the loan amount and the subsequent loan is used.
In an alternative embodiment of the present invention, the state of the whitelist includes: hit, miss; the substep S22 includes:
step S41, when the state of the white list is hit, the transaction is successful, and the loan amount is agreed to be used;
the white list refers to an allowable parameter maintained by the loan organization aiming at one or more additional information such as merchant numbers, business types and the like when the state of the merchant category code is forbidden, and allows the transaction to occupy the loan amount and subsequent loan amount when the merchant category code carried by the consumption transaction message is forbidden but other business information meets the allowable parameter condition. The white list supports the modes of automatic synchronization, batch introduction, manual maintenance and the like, wherein the batch introduction and the manual maintenance need double review.
When the state of the merchant category code is forbidden, the state of the white list needs to be further judged, and when the state of the white list is hit, the condition that other business information in the consumption transaction message meets the allowance parameter condition is indicated, and the transaction is agreed to occupy the loan amount and the subsequent loan share, so that the transaction is successful.
In the substep S42, when the state of the whitelist is not hit, the transaction fails and the loan amount is refused to be used.
When the state of the white list is not hit, the condition that other business information in the consumption transaction message does not meet the condition of the permission parameter is indicated, and the transaction is refused to occupy the loan amount and the subsequent loan support, so that the transaction fails.
And 205, generating a balance and loan control report according to the consumption transaction result.
And the transaction platform generates a balance and loan control report according to the received consumption transaction result, wherein the balance and loan control report comprises a loan amount control release daily report, a loan amount control rejection daily report and a loan amount control real-time billboard. The loan amount control release daily statement presents summary data and detail information of the successful use of the loan amount by the loan agency. The aggregated information includes transaction numbers and transaction amounts. The detail information includes information such as transaction date, loan amount number, loan agency number, payment channel, merchant name, commodity name, transaction amount, etc. The loan amount control refuses the daily statement to display summary data and detail information that the loan agency refuses to use the loan amount. The aggregated information includes transaction numbers and transaction amounts. The detail information includes information such as transaction date, loan amount number, loan agency number, payment channel, merchant name, commodity name, transaction amount, etc. The loan amount control real-time billboard comprises summarized data of a loan amount control release daily statement and a loan amount control rejection daily statement, and service data is displayed in real time according to dimensions such as first-class branch institutions, time, duty ratio, rejection reasons and the like.
if the borrower uses the loan amount to purchase goods or services at the merchant, the borrower and the merchant agree to return goods, the borrower initiates a return transaction, the transaction platform receives a return transaction request initiated by the merchant end, and generates a return transaction message, wherein the return transaction message comprises an order number.
The consumption transaction message also comprises an order number, and the transaction platform can inquire the corresponding consumption transaction message through the order number in the return transaction message, so as to inquire the use condition of the loan amount in the consumption transaction message, and transact the return for the borrower according to the order of returning the loan amount and returning the balance of the account.
In the embodiment, by receiving loan amount contract requests for a merchant terminal and an account terminal, configuring the use sequence of the loan amount and the account balance, receiving a consumption transaction request initiated by the merchant terminal, generating a consumption transaction message, sending the consumption transaction message to the account terminal, wherein the consumption transaction message comprises at least one business management parameter, receiving a consumption transaction result sent by the account terminal, generating a balance and a loan support control report by the account terminal based on preset judgment logic for the business management parameters, and generating the balance and the loan support control report according to the consumption transaction result, thereby providing a fund use sequence conforming to the preference of the user for the user, and avoiding the step of extracting the loan fund in advance for each consumption support; and the trading platform automatically judges whether to agree to occupy the loan amount according to the preset business rule of the loan organization, ensures that the loan funds cannot be illegally stolen by a user, causes the loan organization to be illegal, can ensure that the user clearly knows whether the loan organization allows the loan amount to be used in the consuming process, avoids the risk that the loan organization refuses the transaction in a payment link after the loan funds are extracted in advance, and can also display business data in real time according to the balance and a loan use control report.
Referring to fig. 3, a service management parameter determination logic table in a multi-type payment transaction method of the present invention is shown.
Firstly judging the state of the keyword, if the state of the keyword is hit, failing to trade, refusing to use the loan amount, and if the state of the keyword is not hit, further judging the state of the merchant category code.
If the state of the merchant category code is allowed to be all, and the state of the white list is not related at the moment, judging the state of the black list, and if the state of the black list is hit, failing to trade and refusing to use the loan amount; when the state of the blacklist is not hit, the transaction is successful, and the loan amount is agreed to be used.
If the state of the merchant category code is forbidden, and the state of the blacklist is not related at the moment, judging the state of the whitelist, and if the state of the whitelist is hit, successful transaction and approval of the loan amount are achieved; when the state of the white list is not hit, the transaction fails, and the loan amount is refused to be used.
It should be noted that, for simplicity of description, the method embodiments are shown as a series of acts, but it should be understood by those skilled in the art that the embodiments are not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the embodiments. Further, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred embodiments, and that the acts are not necessarily required by the embodiments of the invention.
Referring to fig. 4, there is shown a block diagram of an embodiment of a multi-type payment transaction device of the present invention, for use in a retail type payment mode, the payment type including at least one of a credit amount and an account balance, the device being used in a transaction platform and comprising the following modules:
the consumption transaction message module 401 is configured to receive a consumption transaction request initiated by a merchant terminal, and generate a consumption transaction message;
a sending module 402, configured to send the consumption transaction packet to an account end, where the consumption transaction packet includes at least one service management parameter;
a consumption transaction result module 403, configured to receive a consumption transaction result sent by the account end, where the consumption transaction result is generated by the account end based on preset judgment logic for the service management parameter;
and the report generation module 404 is used for generating balance and loan control reports according to the consumption transaction result.
In an alternative embodiment of the present invention, the apparatus further comprises:
the configuration module is used for receiving loan amount contract requests aiming at the merchant end and the account end, and configuring the use sequence of the loan amount and the account balance; the order of use includes priority use of the loan amount and priority use of the account balance in an alternative embodiment of the invention, the business management parameters include: merchant category code, blacklist/whitelist, keywords; the state of the key word includes: hit, miss; the consumer transaction result module 404 includes:
a keyword submodule, configured to determine a state of the keyword, and if the state of the keyword is hit, fail a transaction, and refuse to use the loan amount; if the state of the keyword is not hit, the state of the merchant category code is further judged.
In an alternative embodiment of the present invention, the state of the merchant category code includes: allow all, prohibit all; the keyword submodule comprises:
a merchant category code unit, configured to determine a state of the blacklist if the state of the merchant category code is allowed; and if the state of the merchant category code is forbidden, judging the state of the white list.
In an alternative embodiment of the present invention, the state of the blacklist includes: hit, miss; the merchant category code unit comprises:
a blacklist first subunit, configured to, when the status of the blacklist is hit, fail a transaction, and refuse to use the loan amount;
and the second sub-unit of the blacklist is used for successful transaction and agreeing to use the loan amount when the state of the blacklist is not hit.
In an alternative embodiment of the present invention, the state of the whitelist includes: hit, miss; the merchant category code unit comprises:
a first sub-unit of a white list, configured to, when the state of the white list is hit, succeed in a transaction, and agree to use the loan amount;
and the first sub-unit of the white list is used for failing the transaction and refusing to use the loan amount when the state of the white list is not hit.
In an optional embodiment of the present invention, the consumption transaction message further includes an order number, and the apparatus further includes:
the return transaction message module is used for receiving a return transaction request initiated by the merchant terminal and generating a return transaction message, wherein the return transaction message comprises an order number;
and the inquiry module is used for inquiring the consumption transaction message according to the order number in the return transaction message and returning goods according to the order of returning the loan amount preferentially.
For the device embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points.
The embodiment of the invention also provides electronic equipment, which comprises: the system comprises a processor, a memory and a computer program which is stored in the memory and can run on the processor, wherein the computer program realizes the processes of the multi-type payment transaction method embodiment when being executed by the processor, can achieve the same technical effects, and is not repeated here.
The embodiment of the invention also provides a computer readable storage medium, on which a computer program is stored, which when executed by a processor, implements the processes of the above-mentioned embodiments of the multi-type payment transaction method, and can achieve the same technical effects, and in order to avoid repetition, the description is omitted here.
In this specification, each embodiment is described in a progressive manner, and each embodiment is mainly described by differences from other embodiments, and identical and similar parts between the embodiments are all enough to be referred to each other.
It will be apparent to those skilled in the art that embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, embodiments of 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, embodiments of the invention may take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
Embodiments of the present invention are described with reference to flowchart illustrations and/or block diagrams of methods, terminal devices (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 terminal device to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing terminal device, 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.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiment and all such alterations and modifications as fall within the scope of the embodiments of the invention.
Finally, it is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or terminal device comprising the element.
The foregoing has outlined some of the more detailed description of a method and apparatus for a multi-type payment transaction, wherein specific examples are provided herein to illustrate the principles and embodiments of the present invention, and wherein the above examples are provided to assist in the understanding of the method and core concepts thereof; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.
Claims (10)
1. A method for a multi-type payment transaction, for use in a retail type payment, the payment type including at least one of a credit amount and an account balance, the method for use in a transaction platform, comprising:
receiving a consumption transaction request initiated by a merchant terminal, and generating a consumption transaction message;
sending the consumption transaction message to an account end, wherein the consumption transaction message comprises at least one service management parameter;
receiving a consumption transaction result sent by the account terminal, wherein the consumption transaction result is generated by the account terminal based on preset judgment logic aiming at the service management parameters;
and generating balance and loan control report forms according to the consumption transaction results.
2. The method according to claim 1, wherein the method further comprises:
receiving loan amount contract requests aiming at the merchant end and the account end, and configuring the use sequence of the loan amount and the account balance; the order of use includes a priority use of the loan amount and a priority use of the account balance.
3. The method of claim 1, wherein the traffic management parameters comprise: merchant category code, blacklist/whitelist, keywords; the state of the key word includes: hit, miss; the step of receiving a consumption transaction result sent by the account terminal, wherein the consumption transaction result is generated by the account terminal based on preset judgment logic aiming at the service management parameter comprises the following steps:
determining the state of the keyword, if the state of the keyword is hit, failing to trade, and refusing to use the loan amount;
if the state of the keyword is not hit, the state of the merchant category code is further judged.
4. The method of claim 3, wherein the state of the merchant category code comprises: allow all, prohibit all; if the state of the keyword is not hit, the step of further judging the state of the merchant category code includes:
if the state of the merchant category code is allowed to be all, judging the state of the blacklist;
and if the state of the merchant category code is forbidden, judging the state of the white list.
5. The method of claim 4, wherein the state of the blacklist comprises: hit, miss; and if the state of the merchant category code is allowed to be all, judging the state of the blacklist comprises the following steps:
when the state of the blacklist is hit, the transaction fails, and the loan amount is refused to be used;
and when the state of the blacklist is not hit, the transaction is successful, and the loan amount is agreed to be used.
6. The method of claim 4, wherein the state of the whitelist comprises: hit, miss; and if the state of the merchant category code is forbidden, judging the state of the white list comprises the following steps:
when the state of the white list is hit, the transaction is successful, and the loan amount is agreed to be used;
and when the state of the white list is not hit, the transaction fails, and the loan amount is refused to be used.
7. The method of claim 1, wherein the consumer transaction message further comprises an order number, the method further comprising:
receiving an goods returning transaction request initiated by the merchant terminal, and generating a goods returning transaction message, wherein the goods returning transaction message comprises an order number;
inquiring the consumption transaction message according to the order number in the return transaction message, and returning according to the order of returning the loan amount preferentially.
8. An apparatus for a multi-type payment transaction, for use with a retail type payment system, the payment type including at least one of a credit amount and an account balance, the apparatus for use with a transaction platform, comprising:
the consumption transaction message module is used for receiving a consumption transaction request initiated by a merchant terminal and generating a consumption transaction message;
the sending module is used for sending the consumption transaction message to an account end, wherein the consumption transaction message comprises at least one service management parameter;
the consumption transaction result module is used for receiving a consumption transaction result sent by the account terminal, and the consumption transaction result is generated by the account terminal based on preset judgment logic aiming at the service management parameters;
and the report generation module is used for generating a balance and loan control report according to the consumption transaction result.
9. An electronic device, comprising: a processor, a memory and a computer program stored on the memory and capable of running on the processor, which when executed by the processor, implements the steps of the multi-type payment transaction method of any of claims 1-7.
10. A computer readable storage medium, characterized in that it has stored thereon a computer program which, when executed by a processor, implements the steps of the multi-type payment transaction method according to any of claims 1-7.
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| CN202211676308.9A CN116245530A (en) | 2022-12-26 | 2022-12-26 | Multi-type payment transaction method, device, electronic equipment and storage medium |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116993506A (en) * | 2023-06-25 | 2023-11-03 | 浙江宁银消费金融股份有限公司 | Consumption financial business transaction processing system |
| CN118261691A (en) * | 2024-03-15 | 2024-06-28 | 人保支付科技(重庆)有限公司 | Money consumption processing method and related equipment |
-
2022
- 2022-12-26 CN CN202211676308.9A patent/CN116245530A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116993506A (en) * | 2023-06-25 | 2023-11-03 | 浙江宁银消费金融股份有限公司 | Consumption financial business transaction processing system |
| CN116993506B (en) * | 2023-06-25 | 2024-04-02 | 浙江宁银消费金融股份有限公司 | Consumption financial business transaction processing system |
| CN118261691A (en) * | 2024-03-15 | 2024-06-28 | 人保支付科技(重庆)有限公司 | Money consumption processing method and related equipment |
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