CN116245530A - A multi-type payment transaction method, device, electronic equipment and storage medium - Google Patents

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

A multi-type payment transaction method, device, electronic equipment and storage medium

technical field

The invention relates to the technical field of bank payment and settlement, in particular to a multi-type payment transaction method, a multi-type payment transaction device, electronic equipment and a storage medium.

Background technique

The consumer loans and operating loans of commercial banks and lending institutions have made outstanding contributions in supporting the rational consumption of residents and supporting the production and operation of private enterprises and small and micro enterprises. However, commercial banks and lending institutions have difficulty in controlling borrowers' loan funds. There are cases where a small portion of loan funds are misappropriated by borrowers for non-consumption and non-business areas.

Contents of the invention

In view of the above problems, the embodiments of the present invention are proposed to provide a multi-type payment transaction method and a corresponding multi-type payment transaction device, electronic device and storage medium that overcome the above problems or at least partially solve the above problems.

In order to solve the above problems, the embodiment of the present invention discloses a multi-type payment transaction method, which is applied to retail payment methods, and the payment type includes at least one of loan amount and account balance. The method is applied to a transaction platform, including :

Receive the consumption transaction request initiated by the merchant, and generate a consumption transaction message;

Send the consumption transaction message to the account end, the consumption transaction message includes at least one business management parameter;

receiving the consumption transaction result sent by the account terminal, the consumption transaction result is generated by the account terminal based on the preset judgment logic for the business management parameters;

Generate balance and loan disbursement control reports according to the consumption transaction results.

Optionally, the method also includes:

Receive the loan line contract request for the merchant side and the account side, and configure the use order of the loan line and account balance; the use order includes preferential use of the loan line and priority use of the account balance.

Optionally, the business management parameters include: merchant category code, blacklist/whitelist, keyword; the status of the keyword includes: hit, miss; receiving the consumption transaction result sent by the account end, The step of generating the consumption transaction result by the account terminal based on the preset judgment logic for the business management parameters includes:

Determining the status of the keyword, if the status of the keyword is a hit, the transaction fails and the loan line is refused to be used;

If the status of the keyword is a miss, the status of the merchant category code is further judged.

Optionally, the state of the category code of the merchant includes: allowing all, prohibiting all; if the state of the keyword is a miss, the further step of judging the state of the category code of the merchant includes:

If the state of the category code of the merchant is allowed, then judge the state of the blacklist;

If the status of the merchant category code is prohibited, then determine the status of the white list.

Optionally, the status of the blacklist includes: hit, miss; if the status of the merchant category code is allowed, the step of judging the status of the blacklist includes:

When the state of the blacklist is hit, the transaction fails and the loan line is refused to be used;

When the state of the blacklist is not hit, the transaction is successful, and the loan line is agreed to be used.

Optionally, the status of the white list includes: hit, miss; if the status of the merchant category code is forbidden, the step of judging the status of the white list includes:

When the status of the white list is hit, the transaction is successful and the loan amount is agreed to be used;

When the state of the white list is not hit, the transaction fails and the loan line is refused to be used.

Optionally, the consumption transaction message also includes an order number, and the method further includes:

receiving a return transaction request initiated by the merchant, and generating a return transaction message, where the return transaction message includes an order number;

Query the consumption transaction message according to the order number in the return transaction message, and return the goods according to the priority of repaying the loan amount.

The embodiment of the present invention also discloses a multi-type payment transaction device, which is characterized in that it is applied to retail payment methods, and the payment type includes at least one of loan amount and account balance. The device is applied to a transaction platform, including :

The consumption transaction message module is used to receive the consumption transaction request initiated by the merchant and generate the consumption transaction message;

A sending module, configured to send the consumption transaction message to the account end, where the consumption transaction message includes at least one business management parameter;

The consumption transaction result module is configured to receive the consumption transaction result sent by the account terminal, the consumption transaction result is generated by the account terminal based on the preset judgment logic for the business management parameters;

A report generating module, configured to generate balance and loan disbursement control reports according to the consumption transaction results.

The embodiment of the present invention also discloses an electronic device, which is characterized in that it includes: a processor, a memory, and a computer program stored on the memory and capable of running on the processor, and the computer program is processed by the processor The steps of implementing the above-mentioned multi-type payment transaction method when the device is executed.

The embodiment of the present invention also discloses a computer-readable storage medium, which is characterized in that a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the above-mentioned multi-type payment transaction method is realized A step of.

The embodiment of the present invention has the following advantages: by receiving the consumption transaction request initiated by the merchant terminal, a consumption transaction message is generated, and the consumption transaction message is sent to the account terminal. The consumption transaction message contains at least one business management parameter, and the receiving account terminal The consumption transaction results sent are generated by the account side based on the preset judgment logic for business management parameters, and the balance and loan disbursement control reports are generated according to the consumption transaction results, so that users can be provided with a fund usage sequence that meets their preferences. Avoid the step of withdrawing loan funds in advance for each consumption expenditure; secondly, the transaction platform automatically determines whether to agree to occupy the loan amount according to the business rules preset by the lending institution, so as to ensure that the loan funds will not be illegally embezzled by users, resulting in loan failure. If the institution violates the regulations, it can also make the user know whether the lending institution allows the use of the loan amount for this consumption, avoid the risk of the lending institution rejecting the transaction in the payment process after the loan funds are withdrawn in advance, and can also be based on the balance and loan. The consumption control report displays business data in real time.

Description of drawings

Fig. 1 is a flow chart of the steps of an embodiment of a multi-type payment transaction method of the present invention;

Fig. 2 is a flow chart of the steps of another embodiment of the multi-type payment transaction method of the present invention;

Fig. 3 is a business management parameter judging logic table in a kind of multi-type payment transaction method of the present invention;

Fig. 4 is a structural block diagram of an embodiment of a multi-type payment transaction device of the present invention.

Detailed ways

In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

One of the core concepts of the embodiment of the present invention is to generate a consumption transaction message by receiving a consumption transaction request initiated by the merchant terminal, and send the consumption transaction message to the account terminal. The consumption transaction message contains at least one business management parameter, Receive the consumption transaction results sent by the account side. The consumption transaction results are generated by the account side based on the preset judgment logic for business management parameters, and the balance and loan disbursement control reports are generated according to the consumption transaction results, so that users can be provided with funds that meet their preferences The order of use avoids the step of withdrawing loan funds in advance for each consumption expenditure; secondly, the trading platform automatically determines whether to agree to occupy the loan amount according to the business rules preset by the lending institution, so as to ensure that the loan funds will not be illegally embezzled by users , causing the lending institution to violate the regulations, it can also make the user know whether the lending institution allows the use of the loan line for this consumption, avoid the risk of the loan institution rejecting the transaction in the payment link after withdrawing the loan funds in advance, and can also be based on The balance and loan disbursement control report displays business data in real time.

Referring to FIG. 1 , it shows a flow chart of the steps of an embodiment of a multi-type payment transaction method of the present invention, which is applied to retail payment methods, and the payment type includes at least one of loan amount and account balance. The method is applied to The trading platform may specifically include the following steps:

Step 101, receiving a consumption transaction request initiated by a merchant terminal, and generating a consumption transaction message;

The multi-type payment transaction method provided in this embodiment can be widely applied to payment channels that support C2B (Customer to Business, that is, consumer to business) retail consumption transactions, including payment channels such as UnionPay, Network Union, and digital RMB, which can be widely used Applied to mainstream retail payment methods, it can include personal scanning of merchant static codes, personal scanning of merchant dynamic codes, merchant scanning of personal payment codes, card swiping payment, card swiping payment, QuickPass, NFC (Near Field Communication, near field communication) touch One-touch, card-not-present payment, H5 (5th generation HTML (Hyper Text Markup Language, hypertext markup language)) payment, pull-up payment, APP (application, application software) payment, mini-program payment, quick payment, etc.

A message is a data unit exchanged and transmitted in the network, that is, a data block to be sent by a station at one time. The message contains the complete data information to be sent, and its length is very inconsistent, and the length is unlimited and variable.

When the borrower purchases goods or services from the merchant, he will initiate a consumption transaction request on the merchant side. At this time, he needs to occupy the loan amount to pay in full. The transaction platform receives the consumption transaction request initiated by the merchant and generates a consumption transaction message.

Step 102, sending the consumption transaction message to the account end, the consumption transaction message including at least one business management parameter;

The consumption transaction message contains the complete consumption transaction data information sent, such as business management parameters. There can be many kinds of business management parameters. The consumption transaction message contains at least one business management parameter. After the transaction platform generates the consumption transaction message , to send the consumption transaction message to the account side.

Step 103, receiving the consumption transaction result sent by the account terminal, the consumption transaction result is generated by the account terminal based on the preset judgment logic for the business management parameters;

There can be many kinds of business management parameters, and each business management parameter has a different state. After the account end receives the consumption transaction message, it can judge the consumption transaction result based on the preset judgment logic and the state of the business management parameters. , send the consumption transaction result to the transaction platform, and the transaction platform receives the consumption transaction result sent by the account terminal.

Step 104, generating balance and loan disbursement control reports according to the consumption transaction results.

The consumption transaction result includes transaction success or transaction failure. If the transaction is successful, the loan line is agreed to be used, and if the transaction fails, the loan line is rejected.

The trading platform generates a balance and loan disbursement control report according to the received consumption transaction results. The balance and loan disbursement control report includes a loan limit control release date report, a loan limit control rejection daily report, and a real-time loan limit control dashboard. The loan quota control release daily report shows the summary data and detailed information of the lending institution's successful use of the loan quota. Summary information includes the number of transactions and the transaction amount. Detailed information includes information such as transaction date, loan line number, lending institution number, payment channel, merchant name, commodity name, and transaction amount. The loan quota control rejection daily report shows the summary data and detailed information of the loan institution's rejection of the loan quota. Summary information includes the number of transactions and the transaction amount. Detailed information includes information such as transaction date, loan line number, lending institution number, payment channel, merchant name, commodity name, and transaction amount. The real-time Kanban for loan quota control includes the summary data of the loan quota control release daily report and the loan quota control rejection daily report, and displays business data in real time according to the dimensions of first-level branches, time, proportion, and reason for rejection.

This embodiment generates a consumption transaction message by receiving the consumption transaction request initiated by the merchant, and sends the consumption transaction message to the account terminal. The consumption transaction message contains at least one business management parameter, and receives the consumption transaction result sent by the account terminal. , the consumption transaction results are generated by the account side based on the preset judgment logic for business management parameters, and the balance and loan disbursement control reports are generated according to the consumption transaction results, so that users can be provided with a fund usage sequence that meets their preferences, and avoid paying for each transaction. The steps of withdrawing loan funds are required in advance for consumption and expenditure; secondly, the trading platform automatically determines whether to agree to occupy the loan quota according to the business rules preset by the lending institution, so as to ensure that the loan funds will not be illegally embezzled by the user, causing the lending institution to violate the regulations. Let the user clearly know whether the loan institution allows the use of the loan amount for this consumption, avoid the risk of finding that the loan institution rejects the transaction in the payment link after withdrawing the loan funds in advance, and can also control the report in real time according to the balance and loan disbursement Display business data.

Referring to FIG. 2 , it shows a flow chart of the steps of another multi-type payment transaction method embodiment of the present invention, which is applied to retail payment methods, and the payment type includes at least one of loan amount and account balance. The method applies On the trading platform, it may specifically include the following steps:

Step 201, receiving the loan line contract request for the merchant side and the account side, and configuring the use order of the loan line and account balance; the use order includes priority use of the loan line and priority use of the account balance;

When a borrower applies for a loan line such as consumer loan or business loan from the account through the trading platform, the trading platform receives the loan line contract request for the loan line contract, and configures the loan line and account balance usage sequence according to the loan line contract request, so that the merchant The terminal has the prerequisites for directly using the loan line when consuming, and the trading platform can provide users with a sequence of fund usage that meets their preferences, without first applying for a loan line for each consumption, and then making consumption payments.

Borrowers can independently choose the usage sequence of the credit line and account balance on the trading platform, and the usage sequence can be set as "priority in the use of account balance" or "priority in the use of loan amount". During the validity period of the loan amount, the borrower can inquire and change the order of fund use on the merchant side through the account side.

"Priority to use account balance" means that when the merchant end actually initiates a consumption transaction, the account balance is used first, rather than the loan quota and subsequent loan withdrawal. Therefore, the loan amount will only be actually used when the account balance is insufficient.

"Priority in the use of loan quota" means that when the merchant actually initiates a consumption transaction, it gives priority to occupying the loan quota and subsequent loan disbursements instead of using the account balance first. Therefore, the fund balance in the bank settlement account or bank debit card will be actually used only when the loan amount is insufficient.

After the merchant side and the account side sign the loan amount contract, the transaction platform can receive the loan amount contract request for the loan amount contract, and configure the loan amount and account balance usage sequence according to the loan amount contract request, so that the merchant side can directly As a prerequisite for using the loan line, the trading platform can provide users with a sequence of fund usage that meets their preferences, without the need to apply for a loan line for each consumption, and then make consumption payments.

Step 202, receiving a consumption transaction request initiated by the merchant, and generating a consumption transaction message;

When the borrower purchases goods or services from the merchant, he will initiate a consumption transaction request on the merchant side. At this time, he needs to occupy the loan amount to pay in full. The transaction platform receives the consumption transaction request initiated by the merchant and generates a consumption transaction message.

Step 203, sending the consumption transaction message to the account end, the consumption transaction message including at least one business management parameter;

The consumption transaction message contains the complete consumption transaction data information sent, such as business management parameters. There can be many kinds of business management parameters. The consumption transaction message contains at least one business management parameter. After the transaction platform generates the consumption transaction message , to send the consumption transaction message to the account side.

Step 204, receiving the consumption transaction result sent by the account terminal, the consumption transaction result is generated by the account terminal based on the preset judgment logic for the business management parameters;

Before judging the preset judgment logic, it is also necessary to judge the state of the loan amount and the account balance: when the use order is to use the loan amount first, if the loan amount is insufficient, continue to judge the state of the account balance, if the account balance is used If it is still not enough to pay, return the message of transaction failure; if the loan amount is enough to pay, or if the loan amount is insufficient and the account balance is enough to pay, then continue to judge the preset judgment logic. When the order of use is to use the account balance first, if the account balance is insufficient, continue to judge the status of the loan amount, and if the loan amount is still not enough to pay, return the message of transaction failure; if the account balance is enough to pay, or the account balance is insufficient and If the loan amount is sufficient to pay, continue to judge the preset judgment logic.

There can be many kinds of business management parameters, and each business management parameter has a different state. After the account end receives the consumption transaction message, it can judge the consumption transaction result based on the preset judgment logic and the state of the business management parameters. , send the consumption transaction result to the transaction platform, and the transaction platform receives the consumption transaction result sent by the account terminal.

In an optional embodiment of the present invention, the business management parameters include: merchant category code, blacklist/whitelist, keyword; the status of the keyword includes: hit, miss; the step 204 includes:

Sub-step S11, determining the status of the keyword, if the status of the keyword is hit, the transaction fails, and the use of the loan line is refused;

Business management parameters include: merchant category code, blacklist/whitelist, keywords. Keywords refer to the keyword parameters maintained by lending institutions for one or more items of information such as commodity names and order information. The status of keywords can include hits and misses. The status of the word is hit, and the transaction is rejected to occupy the loan amount and the subsequent loan withdrawal. Therefore, it is determined that the transaction fails.

Sub-step S12, if the status of the keyword is a miss, then further judge the status of the merchant category code.

When the consumption transaction message information does not include keywords, it means that the status of the keywords is a miss at this time, and the status of the merchant category code can be further judged.

In an optional embodiment of the present invention, the status of the merchant category code includes: allow all, prohibit all; substep S12 includes:

Sub-step S21, if the status of the category code of the merchant is allowed, then judge the status of the blacklist;

Merchant Category Code (MCC, Merchant Category Code) management refers to the management rules that lending institutions maintain for a certain merchant category code. According to the actual situation, the staff decides to maintain a certain merchant category code as "allow all" or "prohibit all", the default is "disallow all".

Maintaining a certain merchant category code as "allow all" means that when a certain consumption transaction needs to occupy the loan line, the lending institution agrees to the consumption transaction taking up the loan line according to the same merchant category code carried in the consumption transaction message.

Maintaining a certain merchant category code as "prohibited for all" means that when a certain consumption transaction needs to occupy the loan amount, the lending institution rejects the consumption transaction to occupy the loan amount according to the same merchant category code carried in the consumption transaction message. Merchant category code management supports batch import, manual maintenance, etc., and requires double review.

When the status of the merchant category code is allowed, the status of the blacklist can be judged.

Sub-step S22, if the status of the merchant category code is prohibited, then judge the status of the white list.

When the status of the merchant category code is prohibited, the status of the white list can be judged.

In an optional embodiment of the present invention, the state of the blacklist includes: hit, miss; substep S21 includes:

Sub-step S31, when the state of the blacklist is hit, the transaction fails and the loan line is refused to be used;

The blacklist refers to the prohibitive parameters maintained by lending institutions for one or more additional information such as merchant number and business type when the status of the merchant category code is allowed. When the merchant category code carried in the consumption transaction message is allowed to be owned, but other When the business information satisfies the prohibitive parameter conditions, the transaction occupying the loan amount and the subsequent loan disbursement are rejected. The blacklist supports automatic synchronization, batch import, and manual maintenance, among which batch import and manual maintenance require double review.

When the status of the merchant category code is allowed, it is necessary to further judge the status of the blacklist. When the status of the blacklist is hit, it means that other business information in the consumption transaction message meets the prohibitive parameter conditions, and the transaction is rejected. The loan amount and subsequent loan drawdown, so the transaction fails.

In sub-step S32, when the state of the blacklist is not hit, the transaction is successful, and the loan line is agreed to be used.

When the status of the blacklist is not hit, it means that other business information in the consumption transaction message does not meet the prohibitive parameter conditions, and the transaction is agreed to occupy the loan amount and subsequent loan withdrawal, so the transaction is successful.

In an optional embodiment of the present invention, the state of the whitelist includes: hit, miss; substep S22 includes:

Sub-step S41, when the status of the white list is hit, the transaction is successful, and the loan line is agreed to be used;

The white list refers to the allowable parameters maintained by the lending institution for one or more additional information such as merchant number and business type when the status of the merchant category code is prohibited. When the merchant category code carried in the consumption transaction message is prohibited, but other business When the information satisfies the permissibility parameter conditions, the transaction is allowed to occupy the loan amount and subsequent loan disbursement. The whitelist supports automatic synchronization, batch import, and manual maintenance, among which batch import and manual maintenance require double review.

When the status of the merchant category code is prohibited, it is necessary to further judge the status of the white list. When the status of the white list is hit, it means that other business information in the consumption transaction message meets the permissible parameter conditions, and the transaction is approved. The loan amount and subsequent loan disbursement, so the transaction is successful.

In sub-step S42, when the status of the white list is not hit, the transaction fails, and the use of the loan line is refused.

When the status of the white list is not hit, it means that other business information in the consumption transaction message does not meet the permissible parameter conditions, and the transaction is rejected to occupy the loan amount and subsequent loan withdrawal, so the transaction fails.

Step 205, generating balance and loan disbursement control reports according to the consumption transaction results.

The trading platform generates a balance and loan disbursement control report according to the received consumption transaction results. The balance and loan disbursement control report includes a loan limit control release date report, a loan limit control rejection daily report, and a real-time loan limit control dashboard. The loan quota control release daily report shows the summary data and detailed information of the lending institution's successful use of the loan quota. Summary information includes the number of transactions and the transaction amount. Detailed information includes information such as transaction date, loan line number, lending institution number, payment channel, merchant name, commodity name, and transaction amount. The loan quota control rejection daily report shows the summary data and detailed information of the loan institution's rejection of the loan quota. Summary information includes the number of transactions and the transaction amount. Detailed information includes information such as transaction date, loan line number, lending institution number, payment channel, merchant name, commodity name, and transaction amount. The real-time Kanban for loan quota control includes the summary data of the loan quota control release daily report and the loan quota control rejection daily report, and displays business data in real time according to the dimensions of first-level branches, time, proportion, and reason for rejection.

Step 206, receiving the return transaction request initiated by the merchant, and generating a return transaction message, the return transaction message including the order number;

If the borrower uses the loan amount to purchase goods or services at the merchant, and the borrower and the merchant agree to return the goods, the borrower initiates a return transaction, and the transaction platform receives the return transaction request initiated by the merchant, generates a return transaction message, and returns the transaction The message includes the order number.

Step 207, query the consumption transaction message according to the order number in the return transaction message, and return the goods according to the priority of repaying the loan line.

The consumption transaction message also includes the order number, and the trading platform can query the corresponding consumption transaction message through the order number in the return transaction message, so as to query the usage of the loan amount in the consumption transaction message, return the loan amount according to the priority, and then In order to return the account balance, the return is processed for the borrower.

In this embodiment, by receiving the loan quota contract request for the merchant terminal and the account terminal, configure the use order of the loan quota and account balance, receive the consumption transaction request initiated by the merchant terminal, generate a consumption transaction message, and send the consumption transaction message to the account terminal , the consumption transaction message contains at least one business management parameter, receives the consumption transaction result sent by the account terminal, the consumption transaction result is generated by the account terminal based on the preset judgment logic for business management parameters, and generates the balance and loan payment according to the consumption transaction result Control reports can be used to provide users with a fund usage sequence that meets their preferences, avoiding the steps of withdrawing loan funds in advance for each consumption expenditure; secondly, the trading platform automatically determines whether to Agree to occupy the loan line to ensure that the loan funds will not be illegally embezzled by the user, causing the lending institution to violate the regulations. It can also let the user know whether the lending institution allows the use of the loan line for this consumption, and avoid pre-drawn loan funds. Discover the risk of the lending institution rejecting the transaction, and display business data in real time based on the balance and loan disbursement control reports.

Referring to FIG. 3 , it shows a business management parameter judgment logic table in a multi-type payment transaction method of the present invention.

First judge the status of the keyword, if the status of the keyword is a hit, then the transaction fails, and the use of the loan line is refused, if the status of the keyword is a miss, then further judge the status of the merchant category code.

If the status of the merchant category code is allowed, and the status of the white list is not involved, then judge the status of the black list. When it is a miss, the transaction is successful and the loan amount is agreed to be used.

If the status of the merchant category code is forbidden, and the status of the blacklist is not involved, then judge the status of the white list. When the status of the white list is hit, the transaction is successful and the loan amount is agreed to be used; When it is a miss, the transaction fails and the loan amount is refused.

It should be noted that, for the method embodiment, for the sake of simple description, it is expressed as a series of action combinations, but those skilled in the art should know that the embodiment of the present invention is not limited by the described action sequence, because According to the embodiment of the present invention, certain steps may be performed in other orders or simultaneously. Secondly, those skilled in the art should also know that the embodiments described in the specification belong to preferred embodiments, and the actions involved are not necessarily required by the embodiments of the present invention.

Referring to Fig. 4, it shows a structural block diagram of an embodiment of a multi-type payment transaction device of the present invention, which is applied to retail payment methods, and the payment type includes at least one of loan amount and account balance, and the device is applied to transaction The platform can specifically include the following modules:

A consumption transaction message module 401, configured to receive a consumption transaction request initiated by a merchant, and generate a consumption transaction message;

A sending module 402, configured to send the consumption transaction message to the account end, where the consumption transaction message includes at least one business management parameter;

The consumption transaction result module 403 is configured to receive the consumption transaction result sent by the account terminal, the consumption transaction result is generated by the account terminal based on the preset judgment logic for the business management parameters;

A report generating module 404, configured to generate balance and loan disbursement control reports according to the consumption transaction results.

In an optional embodiment of the present invention, the device further includes:

The configuration module is used to receive the loan limit contract request for the merchant terminal and the account terminal, and configure the use sequence of the loan limit and account balance; the use sequence includes the priority use of the loan limit and the priority use of the account balance. In an optional embodiment, the business management parameters include: merchant category code, blacklist/whitelist, keyword; the status of the keyword includes: hit, miss; the consumption transaction result module 404 includes:

The keyword sub-module is used to determine the status of the keyword. If the status of the keyword is a hit, the transaction will fail and the use of the loan amount will be refused; if the status of the keyword is a miss, the further Describe the status of judging the merchant category code.

In an optional embodiment of the present invention, the status of the merchant category code includes: allow all, prohibit all; the keyword submodule includes:

The merchant category code unit is used for judging the status of the blacklist if the status of the merchant category code is allowed; if the status of the merchant category code is prohibited, then judging the status of the white list.

In an optional embodiment of the present invention, the status of the blacklist includes: hit, miss; the merchant category code unit includes:

The first subunit of the blacklist is used to refuse to use the loan amount when the state of the blacklist is hit, the transaction fails;

The second subunit of the blacklist is configured to, when the state of the blacklist is not hit, the transaction is successful, and it is agreed to use the loan amount.

In an optional embodiment of the present invention, the status of the whitelist includes: hit, miss; the merchant category code unit includes:

The first subunit of the white list is used for when the status of the white list is hit, the transaction is successful, and the loan amount is agreed to be used;

The first subunit of the white list is configured to fail the transaction and refuse to use the loan amount when the state of the white list is a miss.

In an optional embodiment of the present invention, the consumption transaction message also includes an order number, and the device further includes:

The return transaction message module is used to receive the return transaction request initiated by the merchant, and generate a return transaction message, the return transaction message includes an order number;

A query module, configured to query the consumption transaction message according to the order number in the return transaction message, and return the goods in the order of giving priority to repaying the loan amount.

As for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiment.

An embodiment of the present invention also provides an electronic device, including: a processor, a memory, and a computer program stored on the memory and capable of running on the processor. When the computer program is executed by the processor, the above multiple The various processes of the embodiment of the type payment transaction method can achieve the same technical effect, so in order to avoid repetition, details are not repeated here.

The embodiment of the present invention also provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, each process of the above-mentioned embodiment of the multi-type payment transaction method can be achieved, and the same Technical effects, in order to avoid repetition, will not be repeated here.

Each embodiment in this specification is described in a progressive manner, each embodiment focuses on the difference from other embodiments, and the same and similar parts of each embodiment can be referred to each other.

Those skilled in the art should understand that the embodiments of the present invention may be provided as methods, devices, or computer program products. Accordingly, embodiments of the 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 embodied 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 flowcharts and/or block diagrams of methods, terminal devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each procedure and/or block in the flowchart and/or block diagram, and a combination of procedures and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions may be provided to a general purpose computer, special purpose computer, embedded processor or processor of other programmable data processing terminal equipment to produce a machine such that instructions executed by the computer or processor of other programmable data processing terminal equipment Produce means for realizing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing terminal to operate in a specific manner, such that the instructions stored in the computer-readable memory produce an article of manufacture comprising instruction means, the The instruction means implements the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions can also be loaded into a computer or other programmable data processing terminal equipment, so that a series of operational steps are performed on the computer or other programmable terminal equipment to produce computer-implemented processing, thereby The instructions executed above provide steps for implementing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

Having described preferred embodiments of embodiments of the present invention, additional changes and modifications to these embodiments can be made by those skilled in the art once the basic inventive concept is appreciated. Therefore, the appended claims are intended to be interpreted to cover the preferred embodiment and all changes and modifications which fall within the scope of the embodiments of the present invention.

Finally, it should also be noted that in this text, relational terms such as first and second etc. are only used to distinguish one entity or operation from another, and do not necessarily require or imply that these entities or operations, any such actual relationship or order exists. Furthermore, the term "comprises", "comprises" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article, or terminal equipment comprising a set of elements includes not only those elements, but also includes elements not expressly listed. other elements identified, or also include elements inherent in such a process, method, article, or end-equipment. Without further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of additional identical elements in the process, method, article or terminal device comprising said element.

The above is a detailed introduction of a multi-type payment transaction method and a multi-type payment transaction device provided by the present invention. In this paper, specific examples are used to illustrate the principle and implementation of the present invention. The description of the above embodiments It is only used to help understand the method of the present invention and its core idea; at the same time, for those of ordinary skill in the art, according to the idea of the present invention, there will be changes in the specific implementation and scope of application. In summary, The contents of this description should not be construed as limiting the present invention.

Claims (10)

1. A method for multi-type payment transactions, characterized in that it is applied to retail payment methods, and the payment type includes at least one of loan amount and account balance. The method is applied to a trading platform, including: Receive the consumption transaction request initiated by the merchant, and generate a consumption transaction message; Send the consumption transaction message to the account end, the consumption transaction message includes at least one business management parameter; receiving the consumption transaction result sent by the account terminal, the consumption transaction result is generated by the account terminal based on the preset judgment logic for the business management parameters; Generate balance and loan disbursement control reports according to the consumption transaction results. 2. The method according to claim 1, characterized in that the method further comprises: Receive the loan line contract request for the merchant side and the account side, and configure the use order of the loan line and account balance; the use order includes preferential use of the loan line and priority use of the account balance. 3. The method according to claim 1, wherein the business management parameters include: merchant category code, blacklist/whitelist, keyword; the status of the keyword includes: hit, miss; the The step of receiving the consumption transaction result sent by the account terminal, the consumption transaction result being generated by the account terminal based on the preset judgment logic for the business management parameters includes: Determining the status of the keyword, if the status of the keyword is a hit, the transaction fails and the loan line is refused to be used; If the status of the keyword is a miss, the status of the merchant category code is further judged. 4. The method according to claim 3, wherein the status of the category code of the merchant comprises: allowing all and prohibiting all; if the status of the keyword is a miss, then further determining the category of the merchant The steps to code status include: If the state of the category code of the merchant is allowed, then judge the state of the blacklist; If the status of the merchant category code is prohibited, then determine the status of the white list. 5. The method according to claim 4, wherein the state of the blacklist comprises: hit, miss; if the state of the merchant category code is to allow all, then judge the state of the blacklist The steps include: When the state of the blacklist is hit, the transaction fails and the loan line is refused to be used; When the state of the blacklist is not hit, the transaction is successful, and the loan line is agreed to be used. 6. The method according to claim 4, wherein the state of the whitelist includes: hit, miss; if the state of the merchant category code is forbidden, then judge the state of the whitelist The steps include: When the status of the white list is hit, the transaction is successful and the loan amount is agreed to be used; When the state of the white list is not hit, the transaction fails and the loan line is refused to be used. 7. The method according to claim 1, wherein the consumption transaction message further includes an order number, and the method further comprises: receiving a return transaction request initiated by the merchant, and generating a return transaction message, where the return transaction message includes an order number; Query the consumption transaction message according to the order number in the return transaction message, and return the goods according to the priority of repaying the loan amount. 8. A device for multi-type payment transactions, characterized in that it is applied to retail payment methods, and the payment type includes at least one of loan amount and account balance. The device is applied to a transaction platform, including: The consumption transaction message module is used to receive the consumption transaction request initiated by the merchant and generate the consumption transaction message; A sending module, configured to send the consumption transaction message to the account end, where the consumption transaction message includes at least one business management parameter; The consumption transaction result module is configured to receive the consumption transaction result sent by the account terminal, the consumption transaction result is generated by the account terminal based on the preset judgment logic for the business management parameters; A report generating module, configured to generate balance and loan disbursement control reports according to the consumption transaction results. 9. An electronic device, characterized in that it comprises: a processor, a memory, and a computer program stored on the memory and capable of running on the processor, when the computer program is executed by the processor, the The steps of the multi-type payment transaction method described in any one of claims 1-7. 10. A computer-readable storage medium, characterized in that, a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the multiple functions according to any one of claims 1-7 are realized. The steps of the type payment transaction method.

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