CN116416028A

CN116416028A - Payment-based processing method, device and medium

Info

Publication number: CN116416028A
Application number: CN202310288971.XA
Authority: CN
Inventors: 熊烽; 孙娟; 朱晓伟; 刘静芳; 崔雁民; 郭玲; 罗威; 郭晴; 王成; 陈亚洲; 刘依娜; 孟宪君; 闫震; 纪平; 杨杰; 姚旭真; 李智; 杨洁清; 严焕; 余洋洋
Original assignee: Alibaba China Co Ltd
Current assignee: Hangzhou Alibaba Overseas Internet Industry Co ltd
Priority date: 2023-03-21
Filing date: 2023-03-21
Publication date: 2023-07-11

Abstract

The embodiment of the application provides a payment-based processing method, device and medium. The method comprises the following steps: receiving a resource return request, the resource return request comprising: order identification of the corresponding order of the resource; acquiring order information according to the order identification, and selecting a resource return path according to the order information; if the resource return path is a user feedback path, generating path adjustment information and sending the path adjustment information to a first user; and receiving a resource return path corresponding to the path adjustment information, and returning the resource data corresponding to the order to the first user through the resource return path. The method and the device can judge the selected path in advance and return the resource data based on the corresponding path when the resource returns, reduce the problem that the resource data cannot be returned normally due to failure of the payment path, and improve the return efficiency and the user experience of the resource.

Description

Payment-based processing method, device and medium

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a payment processing method based on payment, an electronic device and a storage medium for a payment processing method of cross-border electronic commerce.

Background

The user makes a purchase on the website to generate a trade order, the subsequent seller can send the commodity object to the buyer through the logistics, and the buyer can pay corresponding fees to the seller after confirming receipt of the commodity object.

However, in this process, the buyer may issue a request for resource return for various reasons, such as not receiving the commodity object, but for example, the commodity object has a quality problem, and returns the commodity. If it is determined that the resource needs to be returned to the user, the resource is typically returned to the user's account, and the corresponding resource is returned according to the payment path, such as to a paid credit card, a savings card, an account balance, etc.

However, sometimes problems with the payment path, such as credit card cancellation, cannot be reversed through the original payment path. In this case, the service end cannot find out that the buyer usually contacts the corresponding customer service to inquire the reason that the resource is not returned after not receiving the returned resource for a long time, and the customer service is required to manually execute the resource returning process after determining the returning mode by manpower and the user. At present, the situation that resources cannot be returned cannot be found in time, user experience is poor, manual processing is needed for resource return, and resource return efficiency is low.

Disclosure of Invention

The embodiment of the application provides a payment-based processing method, which improves the resource return efficiency.

Correspondingly, the embodiment of the application also provides electronic equipment and a storage medium, which are used for ensuring the realization and the application of the system.

To solve the above problems, an embodiment of the present application discloses a payment-based processing method, which includes:

receiving a resource return request, the resource return request comprising: order identification of the corresponding order of the resource;

acquiring order information according to the order identification, and selecting a resource return path according to the order information;

if the resource return path is a user feedback path, generating path adjustment information and sending the path adjustment information to a first user;

and receiving a resource return path corresponding to the path adjustment information, and returning the resource data corresponding to the order to the first user through the resource return path.

Optionally, the selecting a resource return path according to the order information includes:

determining a payment parameter according to the order information, wherein the payment parameter comprises at least one of the following: payment path, payment time, payment area;

judging whether a payment path corresponding to the order is effective or not according to the payment parameters;

If the payment path corresponding to the order is valid, determining that the resource return path is the payment path of the order;

and if the payment path corresponding to the order fails, determining the resource return path as a user feedback path.

Optionally, determining whether the payment path corresponding to the order is valid according to the payment parameter includes at least one of:

detecting a path state based on the payment path, and judging whether the payment path is valid or not based on the path state;

comparing the payment time with an effective time threshold value, and judging whether a payment path is effective or not;

and determining corresponding regional characteristics based on the payment regions, and judging whether a payment path is effective or not according to the regional characteristics.

Optionally, the method further comprises:

and if the resource return path is a payment path of the order, feeding back corresponding resource data to the first user through the payment path.

Optionally, the generating path adjustment information includes:

determining failure reasons for failure of the payment paths, and generating path adjustment information according to the failure reasons.

Optionally, the method further comprises:

receiving a return result and detecting the return result;

if the return result is that the return is successful, generating return completion information and sending the return completion information to the first user;

And if the return result is return failure, generating path adjustment information and sending the path adjustment information to the first user.

Optionally, the method further comprises:

and if the returned result of the returned resource data through the user feedback path is returned failure, sending the corresponding resource data to the account corresponding to the payment path.

The embodiment of the application also discloses a payment-based processing method, which comprises the following steps:

displaying a processing page, wherein the processing page comprises a processing control;

determining an order identification of the request for returning the resource in response to the triggering of the processing control;

generating a resource return request based on the order identification;

sending the resource return request to a server;

receiving path adjustment information, wherein the path adjustment information is generated when the resource return path is determined to be a user feedback path, and the resource return path is determined according to order information acquired by an order identifier;

displaying the path adjustment information on the processing page, wherein the path adjustment information corresponds to an input control;

responding to the trigger of the input control, acquiring a resource return path and feeding back the resource return path so that a server returns resource data corresponding to the order to a first user through the resource return path;

And receiving a return result.

providing page data of a processing page;

receiving a resource return request, the resource return request comprising: the method comprises the steps that resources correspond to order marks of orders, and the order marks are determined according to triggering of processing controls in a processing page;

receiving a resource return path corresponding to the path adjustment information, wherein the resource return path is received based on an input control corresponding to the path adjustment information;

returning the resource data corresponding to the order to a first user through the resource return path;

and receiving a return result and feeding back the return result.

The embodiment of the application also discloses a payment processing method of cross-border electronic commerce, which comprises the following steps:

acquiring order information according to the order identifier, and determining a payment parameter according to the order information, wherein the payment parameter comprises at least one of the following: payment path, payment time, payment area, resource type;

Selecting a resource return path according to the payment parameters;

receiving a resource return path corresponding to the path adjustment information;

and determining the resource data to be returned based on the order information, and returning the resource data to the first user through the resource return path.

Optionally, the selecting a resource return path according to the payment parameter includes:

if the payment path corresponding to the order is invalid, determining the resource return path as a user feedback path;

further comprises: and if the payment path corresponding to the order is effective, determining the resource return path as the payment path of the order.

Optionally, the determining, according to the payment parameter, whether the payment path corresponding to the order is valid includes at least one of:

Determining corresponding regional characteristics based on the payment regions, and judging whether a payment path is effective or not according to the regional characteristics;

and matching the resource types supported by the payment path with the resource types of the order, and judging whether the payment path is effective.

The embodiment of the application also discloses electronic equipment, which comprises: a processor, and a memory communicatively coupled to the processor; the memory stores computer-executable instructions; the processor executes the computer-executable instructions stored by the memory to implement the payment-based processing methods of the embodiments of the present application.

The embodiment of the application also discloses a computer readable storage medium, wherein the computer readable storage medium stores computer execution instructions which are used for realizing the payment-based processing method of the embodiment of the application when being executed by a processor.

Compared with the prior art, the embodiment of the application has the following advantages:

in this embodiment, a resource return request is received, where the resource return request includes: the method comprises the steps of obtaining order identification of an order corresponding to a resource, obtaining order information according to the order identification, selecting a resource return path according to the order information, judging the selected path in advance when the resource returns, sending corresponding resource data to an account corresponding to the payment path if the resource return path is a payment path of the order, generating path adjustment information and sending the path adjustment information if the resource return path is a user feedback path, receiving the resource return path corresponding to the path adjustment information, sending the resource data corresponding to the order to the account corresponding to the resource return path, reducing the problem that the resource data cannot be returned normally due to failure of the payment path, and improving the return efficiency and user experience of the resource without manual processing.

Drawings

FIG. 1 is a flow chart of steps of an embodiment of a payment-based processing method of the present application;

FIG. 2 is a flow chart of steps of another embodiment of a payment-based processing method of the present application;

FIG. 3 is an interactive schematic diagram of an example of a payment-based processing method according to an embodiment of the present application;

FIG. 4 is a schematic diagram of an example of processing pages according to an embodiment of the present application;

FIG. 5 is a schematic diagram of another example of processing pages according to an embodiment of the present application;

FIG. 6 is a flow chart of steps of a client-side embodiment of a payment-based processing method of the present application;

FIG. 7 is a flowchart illustrating steps of an embodiment of a server side of a payment-based processing method according to the present application;

FIG. 8 is a flow chart of steps of an embodiment of a payment processing method for cross-border e-commerce of the present application;

fig. 9 is a schematic structural view of an exemplary apparatus provided in one embodiment of the present application.

Detailed Description

In order that the above-recited objects, features and advantages of the present application will become more readily apparent, a more particular description of the invention briefly described above will be rendered by reference to specific embodiments that are illustrated in the appended drawings.

The embodiment of the application can be applied to a payment scene. After the trade is completed between the second user and the buyer user (first user) by the merchant, the seller and the like, the resources (such as funds and the like) paid by the first user are transferred to the payment account of the first user, and in some trade, the first user may make a request for rejecting the payment for various reasons, for example, the commodity of the seller has quality problems, such as returns, and the like, accordingly, the resources paid by the first user need to be returned to the account of the first user, and the returned resources can be returned according to the payment path, but sometimes, the original payment path may have problems, such as the payment path account is frozen, the expiration is invalid, the sales user and the like, so that the resources cannot be normally returned.

The processing of the resources for the transaction involves a plurality of processors and devices thereof, including: the payment system, the transaction system, the first equipment end of the first user and the second equipment end of the second user. The transaction system is a system of various websites and APP for providing transaction services, such as a system of an e-commerce website, a system of a social networking website (APP) for providing transaction services, and the like. A payment system is a system that provides for interaction of resources (e.g., currency, etc.), such as a system of a payment website, etc. The embodiment of the application can be applied to payment processing in various transaction scenes, such as cross-border electronic commerce transaction and the like, and can be applied to cross-border credit cards, deposit cards and the like.

The first user and the second user achieve a transaction based on a transaction system, a transaction order is generated, a payment order is generated based on the transaction order, the first user pays based on the payment order on a transaction platform, the paid resources are transferred to a guarantee account of the payment platform through a first account of the first user, and after the first user confirms that commodity objects are received through the transaction, such as buyers, the resources of the order in the guarantee account can be transferred to a second account of the second user.

Normal transactions may be performed in the above-described procedure, however, before the resources of the order are held in the vouch-for account, have not been transferred to the first account, and after the transaction has been completed, the resource data of the order has been transferred to the second account of the second user. The first user (buyer) may apply for the resources to return to pay for various reasons, for example, the commodity object is not received, the commodity object has quality problems, the commodity returns successfully, etc., after the transaction system or the payment system determines that the resources need to be returned to the first user, the resources can be returned according to the payment path. In order to solve the problems that resources cannot be returned normally due to failure of a payment path, a first user is required to find manual customer service to determine reasons and then return, the operation is tedious, the efficiency is low and the like. According to the method and the device for the resource return, when the resource return is requested, whether the payment path is effective or not can be detected, path adjustment information can be automatically generated for the first user according to the condition that the payment path is invalid, so that the user is actively prompted to adjust the returned path, the resource is returned based on the resource return path, and the efficiency is high.

Referring to fig. 1, an interactive schematic diagram of a payment-based processing method according to an embodiment of the present application is shown.

Step 102, receiving a resource return request, wherein the resource return request comprises an order identifier of an order corresponding to a resource.

The first user (buyer) may request to return the resource for various reasons, such as not receiving the commodity object, the commodity object having a quality problem, returning the commodity object, etc. The first user may initiate a first resource return request to the trading system in an order page of the trade order, where the first resource return request includes a user identification, an order identification, a commodity object identification of a commodity object initiating resource return, and cause data, where the cause data may include a return type (e.g., out-of-stock, less-of-stock, return, quality issues, etc.), and certification data, such as a quality issue may correspond to uploading a picture showing the quality issue, etc.

After the transaction system receives the first resource return request, a return mode can be determined based on a return type, a user identifier and the like, for example, the transaction system can directly return, credit of a first transaction account of the first user is returned in advance, whether the return is performed or not is determined based on feedback of a second user to which a commodity object initiating the resource return belongs, and the like. And after determining that the resource can be returned to the first user, the transaction system sends a second resource return request to the payment system. The first resource return request comprises a user identifier, an order identifier of a payment order and resource data to be returned, a first payment account bound by the first user in a payment system can be determined based on the user identifier, an order of the resource to be returned is determined based on the order identifier, and the resource data to be returned is determined based on the resource data to be returned.

In other cases, if the transaction system and the payment system are the same system, the first resource return request and the second resource return request may be the same resource return request, and the first transaction account and the first payment account may be the same account.

And 104, acquiring order information according to the order identification, and selecting a resource return path according to the order information.

The payment system obtains an order identifier, a user identifier, to-be-returned resource data and the like based on the resource return request, a corresponding transaction order, a payment order and order information can be determined based on the order identifier, a first payment account corresponding to the first user can be determined based on the user identifier, and a payment path corresponding to the order is determined based on the order information, for example, a credit card path, a savings card path, a balance path and a credit line path, wherein the balance path comprises: the balance path of the first payment account, the balance path of a third account associated with the first payment account, the credit path including a credit path of the first payment account, a credit path of the third payment account, and the like. The credit card path is a path for paying by adopting a credit card opened by a bank for a user, the deposit card path refers to a path for paying by adopting a deposit card (or debit card) opened by a bank for the user, the balance path refers to a path for paying by adopting a balance of the user in an account of a payment platform, and the credit line path refers to a path for paying by adopting a balance of a credit line corresponding to the account of the user on the payment platform. It may then be determined whether the payment path is valid based on the order information, thereby determining to select the original path or the new path as the resource return path. The resource return path is a path for returning the resource data, and the resource data can be returned to a corresponding account, such as a credit card account, a savings card account, a first payment account, a third payment account and the like through the path. The payment parameters, namely parameters corresponding to the order, can be obtained from the order information, wherein the payment parameters comprise at least one of the following: payment path, payment time, payment area, etc. The payment time refers to the payment time of the order, and the payment area refers to the area information of the first user.

The payment path corresponds to payment path information, and various data of the payment path, such as a credit card account number, a credit card validity period, a credit card amount, etc., can be determined by the credit card path or the credit line path, and status information, tag information, etc., of the credit card account, the savings card account, the first payment account, and the associated third payment account are recorded in the payment path information. Wherein the state information includes a normal state, an abnormal state, the abnormal state includes a frozen state, a logged-off state, and the like. The method comprises the steps that the state of a corresponding account of a normal representation is normal, a corresponding account of a frozen state representation is frozen and cannot be used normally, and the corresponding account of a log-off state representation is logged off, namely the account does not exist. The account in the abnormal state usually fails to return the resource data normally corresponding to the payment path. Tag information may also be set based on status or exception messages, e.g., credit card accounts, savings card accounts, etc., sometimes not directly determinable, tag information may be set based on exception messages in previous processes, e.g., messages based on exceptions displayed in previous payments, such as payment failure, account freeze, etc.

In an alternative embodiment, the selecting a resource return path according to the order information includes: determining a payment parameter according to the order information, wherein the payment parameter comprises at least one of the following: payment path, payment time, payment area; judging whether a payment path corresponding to the order is effective or not according to the payment parameters; if the payment path corresponding to the order is valid, determining that the resource return path is the payment path of the order; and if the payment path corresponding to the order fails, determining the resource return path as a user feedback path. Whether the payment path of the order is valid or not can be judged based on the payment parameters, wherein the fact that the payment path is valid can be understood that a payment account corresponding to the payment path is normal can be achieved, and resource data can be received. The failure of the payment path can be understood as abnormal payment account corresponding to the payment path, if the resource data cannot be received, the resource data cannot be returned to the user. The payment path can be detected through multiple dimensions through the payment parameters, and whether the payment path is valid or not is judged from the multiple dimensions of account dimension, time dimension, area dimension and the like.

The payment parameters may also include resource types, the resource types of the resources paid for by different areas may be different, and the resource types supported by the payment path may be different, so that matching may be performed based on the resource types and the resource types supported by the payment path, if not, the path may be determined to be invalid, and if matched, the payment path may be determined to be valid.

Judging whether a payment path corresponding to the order is valid or not according to the payment parameters, wherein the payment path comprises at least one of the following components: detecting a path state based on the payment path, and judging whether the payment path is valid or not based on the path state; comparing the payment time with an effective time threshold value, and judging whether a payment path is effective or not; and determining corresponding regional characteristics based on the payment regions, and judging whether a payment path is effective or not according to the regional characteristics.

Acquiring state information and/or label information of a payment account from the payment path information, wherein the state information comprises a normal state and an abnormal state, and the label information comprises an abnormal label; and judging whether the corresponding payment path is valid or not according to the state information and/or the label information. Whether the payment path is valid or not can be judged based on the state information, if the payment path is in a normal state, the payment path is confirmed to be valid, and if the payment path is in an abnormal state, the payment path is confirmed to be invalid. Whether the payment path is valid or not can also be judged based on label information, the label information can be based on abnormal event records of the payment path, the abnormal labels are correspondingly included, and certain abnormal labels correspond to valid time, so that failure of the payment path can be judged according to the abnormal labels.

The payment time of the order can be obtained from the order information, and sometimes the resource is returned after the order is paid for a long time, and the payment path is influenced by the length of the time, and some payment paths may fail, freeze, log off and the like. Therefore, an effective time threshold may be set, where the effective time threshold is used to determine the validity of the payment time, and if the payment time is within the effective time threshold, the payment path may be considered valid, and if the payment time exceeds the effective time threshold, it is determined that the payment path is invalid.

Under the cross-border electronic market scene, users in different countries, regions and other areas can be supported to shop, the corresponding areas paid by the users are also many, different areas have different characteristics, for example, accounts in some areas are easy to lose efficacy or have abnormality. And therefore, the corresponding area characteristics can be determined based on the payment area, and whether the payment path is valid or not can be judged according to the area characteristics. The payment paths for the abnormal payment areas may be determined to be invalid and the payment paths for the other areas are valid.

In this embodiment of the present application, other dimensions may be included in addition to the above dimensions, for example, a default resource return manner set by a user may be supported, and the dimensions may be considered to be the same as the above dimensions may be invalid to consider that the payment path is invalid, or the payment path may be considered to be invalid if at least one of the above dimensions is satisfied.

And if the resource return path is a payment path of the order, sending corresponding resource data to an account corresponding to the payment path. And under the condition that the payment path is effective, the payment path can be used as a resource return path, and the resource data which is required to be returned and corresponds to the order is sent to the account corresponding to the payment path.

And 106, if the resource return path is a user feedback path, generating path adjustment information and sending the path adjustment information.

If the payment path corresponding to the order is invalid, determining that the resource is required to be returned by adopting a user feedback path, and providing the resource returned path again by the user so as to be capable of returning the resource, so that path adjustment information can be generated and sent. The path adjustment information including the prompt information may be generated, where the prompt information is used to prompt that the payment path is invalid, and the resource return path needs to be indicated again, so that the user can be prompted by the path adjustment information, so as to obtain the adjusted resource return path.

In an alternative embodiment, the generating and sending path adjustment information includes: determining failure reasons for failure of the payment path, and generating path adjustment information according to the failure reasons; and determining a user identifier according to the order identifier, and sending the path adjustment information to a user corresponding to the user identifier. After determining that the payment path is invalid based on the payment path information, a cause of the payment path invalidation, such as that the account is frozen, that the account is logged out, that the account is abnormal, etc., may be determined based on the invalidation cause, and the path adjustment information may be generated based on the hint information. The path adjustment information may also be sent to the first transaction account and/or the first payment account based on the user identification to determine account information of the user, such as the first transaction account, the first payment account. For example, after the user initiates the resource return request, the return progress may be displayed in an interactive window between the second user and the first user, such as a store (or a merchant) user, or an interactive window between the first user and the platform client, and the path adjustment information may be displayed through the interactive window when the re-account fails.

The first user checks the path adjustment information through the interactive window, the path adjustment information can display a corresponding input control besides prompting failure reasons, and the new account information input by the first user is received as a resource return path through the input control.

And step 108, receiving a resource return path corresponding to the path adjustment information, and sending the resource data corresponding to the order to an account corresponding to the resource return path.

And under the condition that the payment path is invalid, returning the resource data which corresponds to the order and needs to be returned by adopting the resource returning path after receiving the resource returning path which corresponds to the path adjustment information.

After resource retraction is performed through the resource retraction path, a retraction result fed back by the path corresponding to the resource retraction path can be received, wherein the retraction result comprises: the success of the return and the failure of the return. And if the return result is that the return is successful, generating return completion information and sending the return completion information to the first user. If the return result is a return failure, path adjustment information can be generated and sent. The failure cause may be determined based on a return result of the return failure, the prompt information may be generated based on the failure cause, the path adjustment information may be generated based on the prompt information, and the path adjustment information may be transmitted to the first user.

In summary, a resource return request is received, where the resource return request includes: the method comprises the steps of obtaining order identification of an order corresponding to a resource, obtaining order information according to the order identification, selecting a resource return path according to the order information, judging the selected path in advance when the resource returns, sending corresponding resource data to an account corresponding to the payment path if the resource return path is a payment path of the order, generating path adjustment information and sending the path adjustment information if the resource return path is a user feedback path, receiving the resource return path corresponding to the path adjustment information, sending the resource data corresponding to the order to the account corresponding to the resource return path, reducing the problem that the resource data cannot be returned normally due to failure of the payment path, avoiding manual intervention, and improving the return efficiency and user experience of the resource.

On the basis of the embodiment, the embodiment of the application provides a payment-based processing method, which can make a decision on a resource return path when the resource returns, so that a proper path return resource is selected, and the problem of resource data return failure caused by path failure is solved.

Referring to fig. 2, a flowchart of steps of another embodiment of a payment-based processing method of the present application is shown.

Step 202, receiving a resource return request, where the resource return request includes: the resource corresponds to an order identification of the order.

Step 204, acquiring order information according to the order identifier, and determining a payment parameter according to the order information, wherein the payment parameter comprises at least one of the following: payment path, payment time, payment area.

Step 206, judging whether the payment path corresponding to the order is valid according to the payment parameters.

If yes, the payment path corresponding to the order is valid, step 208 is executed.

If not, i.e. the payment path corresponding to the order is invalid, step 212 is executed.

Judging whether a payment path corresponding to the order is valid or not according to the payment parameters, wherein the payment path comprises at least one of the following: detecting a path state based on the payment path, and judging whether the payment path is valid or not based on the path state; comparing the payment time with an effective time threshold value, and judging whether a payment path is effective or not; and determining corresponding regional characteristics based on the payment regions, and judging whether a payment path is effective or not according to the regional characteristics.

Step 208, determining the resource return path as the payment path of the order.

And step 210, sending corresponding resource data to the account corresponding to the payment path.

Step 212, determining the resource return path as the user feedback path.

Step 214, determining a failure reason for failure of the payment path, and generating path adjustment information according to the failure reason.

And step 216, sending the path adjustment information to the user corresponding to the user identifier.

Step 218, receiving a resource return path corresponding to the path adjustment information, and sending the resource data corresponding to the order to the account corresponding to the resource return path.

Step 220, receiving the return result and detecting the return result.

If the return result is a return success, step 222 is executed, and if the return result is a return failure, step 214 is executed.

Step 214 may be executed to request the user to adjust the payment path again for the case that the payment path and the user feedback path fail to return the resource data. In other scenarios, for the case where the user feedback path returns the resource data failed, it may also be attempted to return the resource data using the payment path first, and if so, step 214 is performed.

Step 222, generating and sending the return completion information to the first user.

According to the embodiment of the application, when the buyer user initiates the resource return request, decision can be made based on multidimensional information such as the payment path, the payment time and the like used by the buyer user for order payment resources, a better resource return path is selected, and the probability of resource return failure is reduced. Taking the cross-border e-commerce as an example, when a buyer user purchases a commodity object, because the commodity object is transported between countries without passing through, the logistics transportation time of the commodity object is longer, and the time for the corresponding user to determine that the resource needs to be returned is longer than the payment time, for example, more than 1 month and 2 months, in this case, the payment path used by the user before may have problems, for example, the credit card has been logged off, and through the decision when the resource return is requested, a more suitable resource return path can be selected, so that the probability of resource return failure is reduced.

The return result of the resource data can be detected, if the return of the resource data of the selected resource return path is failed, the return path of the resource can be re-decided, the automatic processing is carried out according to the condition of the failure of the resource return, the return of the resource of the buyer user is assisted, the buyer user does not need to consult customer service by oneself, and the processing efficiency is improved.

On the basis of the embodiment, the embodiment of the application provides a payment-based processing method which can assist a first user in processing resource return and improve efficiency and user experience.

Referring to fig. 3, an interaction diagram of an example of a payment-based processing method according to an embodiment of the present application is shown.

In step 302, the server provides the client with page data of the processed page.

And 304, the client analyzes the page data and displays the corresponding processing page.

The first user displays a processing page through the client, wherein the processing page is various pages capable of supporting resource returning, such as an order page, a payment page and the like of a commodity object.

The processing page comprises various processing controls, such as an order page, including a resource return control of a commodity object, and triggering the resource return control can select the commodity object of the resource to be returned, or can select the resource data needing to be returned, and the resource data does not exceed the resource data paid for the commodity object, so that the control displayed as a "return" is included in the order page shown in fig. 4. For example, the payment page comprises a resource return control, and the returned resource data can be determined by triggering the resource return control.

For the cross-border e-commerce scenario, the resources paid by the first user may be various currency resources, for example, determined based on the area where the first user is located, or unified currency resource settlement is adopted, which is not limited in the embodiment of the present application.

In response to the triggering of the processing control, the client determines the resource data that needs to be retired, step 306.

In step 308, the client generates a resource return request according to the resource data, the user identifier and the order identifier.

The first user may trigger the processing control in the processing page, and in response to triggering the processing control, determine the resource data to be returned, where some of the resource data requested to be returned may be different from the actually returned resource data, for example, some quality problems of the order, the seller agrees to reimburse for some of the user resource data, the buyer may not select the resource data or default all of the resource data when requested, and the seller may determine the actually reimbursed resource data.

Resource data may be determined, and an order identification of an order associated with the resource data may also be determined, as well as a user identification of a first user requesting to return the resource, to generate a resource return request.

In step 310, the client sends a resource return request to the server.

In step 312, the server obtains order information according to the order identifier, and selects a resource return path according to the order information.

The selecting a resource return path according to the order information comprises the following steps: determining a payment parameter according to the order information, wherein the payment parameter comprises at least one of the following: payment path, payment time, payment area; judging whether a payment path corresponding to the order is effective or not according to the payment parameters; if the payment path corresponding to the order is valid, determining that the resource return path is the payment path of the order; and if the payment path corresponding to the order fails, determining the resource return path as a user feedback path.

In step 314, the server determines the resource return path as the user feedback path, and generates path adjustment information.

In step 316, the server sends the path adjustment information to the client.

In step 318, the client displays path adjustment information, where the path adjustment information corresponds to the input control.

In step 320, in response to triggering the input control, the client obtains a resource return path.

May be displayed through interactive pages of the seller user and the buyer user, or through other pages. In an example of an interactive page display shown in fig. 5, path adjustment information may be displayed by means of a card or the like, and an input control is associated, and a user may select a return mode based on the input control, e.g., a mode of a bank card, a credit card, etc., and may input a corresponding card number and other required information, e.g., a homeowner, etc.

In step 322, the client sends the resource return path to the server.

In step 324, the server returns the resource data corresponding to the order through the resource return path.

Step 326, feeding back corresponding resource data to the first user through the payment path in the case that the resource return path is the payment path of the order.

Step 328, receive the retract result.

The return result can be detected; if the return result is that the return is successful, generating return completion information and sending the return completion information to the first user; and if the return result is return failure, generating path adjustment information and sending the path adjustment information to the first user.

And 330, sending a return result.

Therefore, the path can be detected when resource return is initiated, and the user is automatically prompted to adjust the return path aiming at the invalid payment path, so that the user does not need to wait for the customer service after the demand is found that the resource is not returned, the user experience is improved, and the resource return efficiency is improved. And moreover, the work orders of customer service aiming at resource return abnormality can be reduced, and the workload and labor cost of the customer service are reduced.

On the basis of the embodiment, the embodiment of the application also provides a payment-based processing method which is applied to the client.

Referring to fig. 6, a flowchart of steps of a client-side embodiment of a payment-based processing method of the present application is shown.

Step 602, a processing page is displayed, the processing page including a processing control.

In response to the triggering of the processing control, an order identification requesting to return the resource is determined, step 604.

Step 606, generating a resource return request based on the order identification.

Step 608, sending the resource return request to the server.

Step 610, receiving path adjustment information, where the path adjustment information is generated when determining that the resource return path is a user feedback path, and the resource return path is determined according to order information acquired by the order identifier.

And step 612, displaying the path adjustment information on the processing page, wherein the path adjustment information corresponds to an input control.

Step 614, in response to the trigger of the input control, a resource return path is acquired and fed back, so that the server side returns the resource data corresponding to the order to the first user through the resource return path.

Step 616, receive the retract result.

On the basis of the embodiment, the embodiment of the application also provides a payment-based processing method which is applied to the server.

Referring to fig. 7, a flowchart of steps of a service side embodiment of a payment-based processing method of the present application is shown.

Step 702 provides page data for a processed page.

Step 704, receiving a resource return request, where the resource return request includes: the resource corresponds to an order identifier of an order, and the order identifier is determined according to triggering of a processing control in a processing page.

Step 706, obtaining order information according to the order identifier, and selecting a resource return path according to the order information.

Step 708, if the resource return path is a user feedback path, generating path adjustment information and sending the path adjustment information to the first user.

And step 710, receiving a resource return path corresponding to the path adjustment information, wherein the resource return path is received based on an input control corresponding to the path adjustment information.

And step 712, returning the resource data corresponding to the order to the first user through the resource return path.

Step 714, receiving a return result and feeding back the return result.

Along with the growth of cross-border electronic commerce, the demand of resource return such as refund is also increasing, and the problem that refund can not normally be refunded through a payment path more occurs, so that manual intervention is required by customer service, and complaints are also easy to increase. Therefore, on the basis of the above embodiment, the embodiment of the present application further provides a payment processing method for cross-border e-commerce, which can be applied to a cross-border e-commerce scene, and can automatically analyze a resource return path when a user requests to return resources, and determine whether to return or need the user to provide the resource return path again directly according to the payment path, thereby improving processing efficiency.

Referring to fig. 8, a flowchart illustrating steps of an embodiment of a payment processing method for cross-border e-commerce of the present application is shown.

Step 802, receiving a resource return request, where the resource return request includes: the resource corresponds to an order identification of the order.

Step 804, obtaining order information according to the order identifier, and determining a payment parameter according to the order information, wherein the payment parameter comprises at least one of the following: payment path, payment time, payment area and resource type.

Step 806, selecting a resource return path according to the payment parameters.

Selecting a resource return path according to the payment parameters includes: judging whether a payment path corresponding to the order is effective or not according to the payment parameters; if the payment path corresponding to the order is valid, determining that the resource return path is the payment path of the order; and if the payment path corresponding to the order fails, determining the resource return path as a user feedback path.

Judging whether a payment path corresponding to the order is valid or not according to the payment parameters, wherein the payment path comprises at least one of the following components: detecting a path state based on the payment path, and judging whether the payment path is valid or not based on the path state; comparing the payment time with an effective time threshold value, and judging whether a payment path is effective or not; determining corresponding regional characteristics based on the payment regions, and judging whether a payment path is effective or not according to the regional characteristics; and matching the resource types supported by the payment path with the resource types of the order, and judging whether the payment path is effective.

Step 808, if the resource return path is a user feedback path, generating path adjustment information and sending the path adjustment information to the first user.

Wherein the generating path adjustment information includes: determining failure reasons for failure of the payment paths, and generating path adjustment information according to the failure reasons.

And step 810, receiving a resource return path corresponding to the path adjustment information.

And step 812, determining the resource data needing to be returned based on the order information, and returning the resource data to the first user through the resource return path.

If a change of the resource type is involved, for example, the first resource data of the first type is determined based on the order, however, the second user correspondingly receives the second type of the resource, the first resource data can be converted into the second resource data based on the resource type, and the second resource data is fed back to the first user.

Receiving a return result and detecting the return result; if the return result is that the return is successful, generating return completion information and sending the return completion information to the first user; and if the return result is return failure, generating path adjustment information and sending the path adjustment information to the first user.

In the embodiments described above, refund may be taken as an example, when a buyer user initiates refund, parameters such as a payment path, a payment amount, an interval duration between the time of initiation of refund and a payment time used when the buyer user pays are differentiated to decide to provide a refund solution. Meanwhile, when the refund of the buyer user is abnormal, the customer can be actively informed to prompt the reason of the refund abnormality, and a new refund solution is provided for the buyer, so that the self-service online operation abnormality processing refund of the buyer user can be realized, and the refund abnormality processing of the buyer user in a line with a service order is not required.

It should be noted that, in the embodiments of the present application, the use of user data may be involved, and in practical applications, user specific personal data may be used in the schemes described herein within the scope allowed by applicable legal regulations in the country where the applicable legal regulations are met (for example, the user explicitly agrees to the user to actually notify the user, etc.).

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 described, 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 all preferred embodiments and that the acts referred to are not necessarily required by the embodiments of the present application.

On the basis of the above embodiment, the present embodiment further provides a payment-based processing apparatus, which is applied to electronic devices such as a server device, and the apparatus includes:

the request receiving module is configured to receive a resource return request, where the resource return request includes: order identification of the corresponding order of the resource;

The path analysis module is used for acquiring order information according to the order identification and selecting a resource return path according to the order information;

the adjustment feedback module is used for generating path adjustment information and sending the path adjustment information to the first user if the resource return path is a user feedback path;

and the resource return module is used for receiving a resource return path corresponding to the path adjustment information and returning the resource data corresponding to the order to the first user through the resource return path.

In summary, a resource return request is received, where the resource return request includes: the method comprises the steps of acquiring order identification of an order corresponding to a resource, acquiring order information according to the order identification, selecting a resource return path according to the order information, and accordingly, judging the selected path in advance when the resource returns, if the resource return path is a payment path of the order, sending corresponding resource data to a payment path corresponding account, if the resource return path is a user feedback path, generating path adjustment information and sending the path adjustment information, receiving the resource return path corresponding to the path adjustment information, sending the resource data corresponding to the order to the resource return path corresponding account, reducing the problem that the resource data cannot be returned normally due to failure of the payment path, and improving the return efficiency and user experience of the resource

The path analysis module is used for determining payment parameters according to the order information, wherein the payment parameters comprise at least one of the following: payment path, payment time, payment area; judging whether a payment path corresponding to the order is effective or not according to the payment parameters; if the payment path corresponding to the order is valid, determining that the resource return path is the payment path of the order; and if the payment path corresponding to the order fails, determining the resource return path as a user feedback path.

Optionally, the path analysis module is configured to detect a path state based on the payment path, and determine whether the payment path is valid based on the path state; comparing the payment time with an effective time threshold value, and judging whether a payment path is effective or not; and determining corresponding regional characteristics based on the payment regions, and judging whether a payment path is effective or not according to the regional characteristics.

And the resource return module is further configured to, if the resource return path is a payment path of the order, feed back corresponding resource data to the first user through the payment path.

The adjustment feedback module is used for determining the failure reason of the failure of the payment path and generating path adjustment information according to the failure reason.

Further comprises: the result processing module is used for receiving the return result and detecting the return result; if the return result is that the return is successful, generating return completion information and sending the return completion information to the first user; and if the return result is return failure, triggering an adjustment feedback module to generate path adjustment information and sending the path adjustment information to the first user.

And the adjustment feedback module is further configured to send corresponding resource data to the account corresponding to the payment path if the return result of returning the resource data through the user feedback path is a return failure.

On the basis of the above embodiment, the present embodiment further provides a payment-based processing apparatus, which is applied to an electronic device of a client, and the apparatus includes:

the display module is used for displaying a processing page, and the processing page comprises a processing control; displaying the path adjustment information on the processing page, wherein the path adjustment information corresponds to an input control;

the response module is used for responding to the trigger of the processing control and determining an order mark for requesting to return the resource; responding to the trigger of the input control to acquire a resource return path;

the request generation module is used for generating a resource return request based on the order identification;

The sending module is used for sending the resource return request to the server; the resource return path is fed back, so that the server returns the resource data corresponding to the order to the first user through the resource return path;

the receiving module is used for receiving path adjustment information, wherein the path adjustment information is generated when the resource return path is determined to be a user feedback path, and the resource return path is determined according to order information acquired by the order identification; and receiving a return result.

the page providing module is used for providing page data of the processing page;

the request receiving module is configured to receive a resource return request, where the resource return request includes: the method comprises the steps that resources correspond to order marks of orders, and the order marks are determined according to triggering of processing controls in a processing page;

the resource return module is used for returning the resource data corresponding to the order to the first user through the resource return path;

and the result processing module is used for receiving the return result and feeding back the return result.

On the basis of the above embodiment, the present embodiment further provides a payment processing apparatus for cross-border electronic commerce, which is applied to electronic devices such as a server device, and the apparatus includes:

the path analysis module is used for acquiring order information according to the order identification, and determining payment parameters according to the order information, wherein the payment parameters comprise at least one of the following: payment path, payment time, payment area, resource type; selecting a resource return path according to the payment parameters;

The resource return module is used for receiving a resource return path corresponding to the path adjustment information; and determining the resource data to be returned based on the order information, and returning the resource data to the first user through the resource return path.

The path analysis module is used for judging whether the payment path corresponding to the order is effective or not according to the payment parameters; if the payment path corresponding to the order is invalid, determining the resource return path as a user feedback path; and if the payment path corresponding to the order is effective, determining the resource return path as the payment path of the order.

The path analysis module is used for detecting a path state based on the payment path and judging whether the payment path is valid or not based on the path state; comparing the payment time with an effective time threshold value, and judging whether a payment path is effective or not; determining corresponding regional characteristics based on the payment regions, and judging whether a payment path is effective or not according to the regional characteristics; and matching the resource types supported by the payment path with the resource types of the order, and judging whether the payment path is effective.

When a buyer user initiates a resource return request, decision can be made based on multidimensional information such as a payment path, a payment time and the like used by the buyer user for order payment resources, a better resource return path is selected, and the probability of resource return failure is reduced. Taking the cross-border e-commerce as an example, when a buyer user purchases a commodity object, because the commodity object is transported between countries without passing through, the logistics transportation time of the commodity object is longer, and the time for the corresponding user to determine that the resource needs to be returned is longer than the payment time, for example, more than 1 month and 2 months, in this case, the payment path used by the user before may have problems, for example, the credit card has been logged off, and through the decision when the resource return is requested, a more suitable resource return path can be selected, so that the probability of resource return failure is reduced.

The return result of the resource data can be detected, if the return of the resource data of the selected resource return path is failed, the return path of the resource can be re-decided, the automatic processing is carried out according to the condition of the failure of the resource return, the return of the resource of the buyer user is assisted, the buyer user does not need to consult customer service by oneself, and the processing efficiency is improved. And moreover, the work orders of customer service aiming at resource return abnormality can be reduced, and the workload and labor cost of the customer service are reduced.

The embodiment of the application also provides a non-volatile readable storage medium, where one or more modules (programs) are stored, where the one or more modules are applied to a device, and the device may be caused to execute instructions (instractions) of each method step in the embodiment of the application.

Embodiments of the present application provide one or more machine-readable media having instructions stored thereon that, when executed by one or more processors, cause an electronic device to perform a method as described in one or more of the above embodiments. In this embodiment of the present application, the electronic device includes a server, a terminal device, and other devices.

Embodiments of the present disclosure may be implemented as an apparatus for performing a desired configuration using any suitable hardware, firmware, software, or any combination thereof, which may include a server (cluster), terminal, or the like. Fig. 9 schematically illustrates an example apparatus 900 that may be used to implement various embodiments described herein.

For one embodiment, fig. 9 illustrates an example apparatus 900 having one or more processors 902, a control module (chipset) 904 coupled to at least one of the processor(s) 902, a memory 906 coupled to the control module 904, a non-volatile memory (NVM)/storage 908 coupled to the control module 904, one or more input/output devices 910 coupled to the control module 904, and a network interface 912 coupled to the control module 904.

The processor 902 may include one or more single-core or multi-core processors, and the processor 902 may include any combination of general-purpose or special-purpose processors (e.g., graphics processors, application processors, baseband processors, etc.). In some embodiments, the apparatus 900 can be used as a server, a terminal, or the like in the embodiments of the present application.

In some embodiments, apparatus 900 can include one or more computer-readable media (e.g., memory 906 or NVM/storage 908) with instructions 914 and one or more processors 902 combined with the one or more computer-readable media configured to execute instructions 914 to implement modules to perform the actions described in this disclosure.

For one embodiment, the control module 904 may include any suitable interface controller to provide any suitable interface to at least one of the processor(s) 902 and/or any suitable device or component in communication with the control module 904.

The control module 904 may include a memory controller module to provide an interface to the memory 906. The memory controller modules may be hardware modules, software modules, and/or firmware modules.

Memory 906 may be used to load and store data and/or instructions 914 for device 900, for example. For one embodiment, memory 906 may include any suitable volatile memory, such as, for example, a suitable DRAM. In some embodiments, the memory 906 may comprise a double data rate type four synchronous dynamic random access memory (DDR 4 SDRAM).

For one embodiment, the control module 904 can include one or more input/output controllers to provide an interface to the NVM/storage 908 and the input/output device(s) 910.

For example, NVM/storage 908 may be used to store data and/or instructions 914. NVM/storage 908 may include any suitable nonvolatile memory (e.g., flash memory) and/or may include any suitable nonvolatile storage device(s) (e.g., one or more Hard Disk Drives (HDDs), one or more Compact Disc (CD) drives, and/or one or more Digital Versatile Disc (DVD) drives).

NVM/storage 908 may include a storage resource as part of a device on which apparatus 900 is installed or may be accessible by the device without necessarily being part of the device. For example, NVM/storage 908 may be accessed over a network via input/output device(s) 910.

Input/output device(s) 910 may provide an interface for apparatus 900 to communicate with any other suitable device, input/output device 910 may include a communication component, an audio component, a sensor component, and the like. Network interface 912 may provide an interface for device 900 to communicate over one or more networks, and device 900 may communicate wirelessly with one or more components of a wireless network according to any of one or more wireless network standards and/or protocols, such as accessing a wireless network based on a communication standard, such as bluetooth, wiFi, 2G, 3G, 4G, 5G, etc., or a combination thereof.

For one embodiment, at least one of the processor(s) 902 may be packaged together with logic of one or more controllers (e.g., memory controller modules) of the control module 904. For one embodiment, at least one of the processor(s) 902 may be packaged together with logic of one or more controllers of the control module 904 to form a System In Package (SiP). For one embodiment, at least one of the processor(s) 902 may be integrated on the same die as logic of one or more controllers of the control module 904. For one embodiment, at least one of the processor(s) 902 may be integrated on the same die with logic of one or more controllers of the control module 904 to form a system on chip (SoC).

In various embodiments, apparatus 900 may be, but is not limited to being: a server, a desktop computing device, or a mobile computing device (e.g., a laptop computing device, a handheld computing device, a tablet, a netbook, etc.), among other terminal devices. In various embodiments, device 900 may have more or fewer components and/or different architectures. For example, in some embodiments, apparatus 900 includes one or more cameras, keyboards, liquid Crystal Display (LCD) screens (including touch screen displays), non-volatile memory ports, multiple antennas, graphics chips, application Specific Integrated Circuits (ASICs), and speakers.

The detection device can adopt a main control chip as a processor or a control module, sensor data, position information and the like are stored in a memory or an NVM/storage device, a sensor group can be used as an input/output device, and a communication interface can comprise a network interface.

The embodiment of the application also provides electronic equipment, which comprises: a processor; and a memory having executable code stored thereon that, when executed, causes the processor to perform a method as described in one or more of the embodiments herein. The memory in the embodiment of the application can store various data, such as various data including target files, file and application related data, and the like, and also can include user behavior data and the like, so as to provide a data base for various processes.

Embodiments also provide one or more machine-readable media having executable code stored thereon that, when executed, cause a processor to perform a method as described in one or more of the embodiments of the present application.

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.

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.

Embodiments of the present application 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 application. 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 embodiments 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 embodiments and all such alterations and modifications as fall within the scope of the embodiments of the present application.

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 described in detail a payment-based processing method, a cross-border e-commerce payment processing method, an electronic device and a storage medium, and specific examples have been applied to illustrate the principles and embodiments of the present application, and the above examples are only used to help understand the methods and core ideas of the present application; meanwhile, as those skilled in the art will have modifications in the specific embodiments and application scope in accordance with the ideas of the present application, the present description should not be construed as limiting the present application in view of the above.

Claims

1. A payment-based processing method, the method comprising:

2. The method of claim 1, wherein selecting a resource return path in accordance with the order information comprises:

3. The method of claim 2, wherein determining whether the payment path corresponding to the order is valid based on the payment parameters comprises at least one of:

4. The method as recited in claim 2, further comprising:

5. The method of claim 3, wherein generating path adjustment information comprises:

6. The method as recited in claim 1, further comprising:

receiving a return result and detecting the return result;

7. The method as recited in claim 1, further comprising:

8. A payment-based processing method, the method comprising:

generating a resource return request based on the order identification;

sending the resource return request to a server;

And receiving a return result.

9. A payment-based processing method, the method comprising:

providing page data of a processing page;

and receiving a return result and feeding back the return result.

10. A method for processing payment for cross-border e-commerce, the method comprising:

Selecting a resource return path according to the payment parameters;

11. The method of claim 10, wherein selecting a resource return path in accordance with the payment parameters comprises:

12. The method of claim 10, wherein determining whether the payment path corresponding to the order is valid based on the payment parameters comprises at least one of:

13. An electronic device, comprising: a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored in the memory to implement the method of any one of claims 1-12.

14. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1-12.