CN116416071A - Annuity payment processing method, equipment and medium - Google Patents
Annuity payment processing method, equipment and medium Download PDFInfo
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Abstract
The application provides a annuity payment processing method, equipment and medium, wherein the method comprises the following steps: the annuity service server acquires annuity security settlement orders sent by an annuity service terminal every preset time period, wherein the annuity security settlement orders comprise settlement information of all security items carrying target data source identifiers and generated in the preset time period; the annuity service server generates third-party security retriever information based on the annuity security settlement order, and the third-party security retriever information is mapped with the retriever information of the security project; and the annuity service server performs payment settlement on the annuity security settlement order based on the third party security acquirer information and feeds back a payment settlement result to the annuity service terminal. By the method, the problems that the current annual gold account payment flow is more and the error probability is higher can be effectively solved.
Description
Technical Field
The present disclosure relates to the field of information processing technologies, and in particular, to a annuity payment processing method, device, and medium.
Background
The enterprise annuity is a supplementary pension system, and is a supplementary pension system which is established independently by enterprises and workers on the basis of participating in basic pension insurance according to law.
In order to improve user experience, insurance institutions offer annuity universal insurance services, and users can use annuity accounts to consume on third-party platforms. In this way, it is generally difficult to directly transfer the security payment amount of the reduced account amount generated by the annuity account payment to the third party platform, and each security item of the reduced account amount generates a transfer data, so that under the conditions of large customer amount and frequent transaction, the security and finance related personnel need to invest considerable manpower and time for checking, resulting in a high error probability.
Therefore, providing a solution capable of effectively simplifying the annuity account payment process and improving the annuity payment accuracy is a current urgent problem to be solved.
Disclosure of Invention
In view of the above problems, that is, the problems of more annual fee account payment flows and higher error probability, the present application provides an annual fee payment processing method, apparatus and medium.
In order to achieve the above object, the present application provides the following technical solutions:
according to an aspect of the present application, there is provided an annuity payment processing method including:
the annuity service server acquires annuity security settlement orders sent by an annuity service terminal every preset time period, wherein the annuity security settlement orders comprise settlement information of all security items carrying target data source identifiers and generated in the preset time period;
The annuity service server generates third-party security retriever information based on the annuity security settlement order, and the third-party security retriever information is mapped with the retriever information of the security project;
and the annuity service server performs payment settlement on the annuity security settlement order based on the third party security acquirer information and feeds back a payment settlement result to the annuity service terminal.
In one embodiment, the method further comprises:
the annuity service server stores the third-party security retriever information into a message queue, and 5 the message queue is used for storing the third-party security retriever information corresponding to all annuity security settlement orders;
the annuity service server performs payment settlement on the annuity security settlement order based on the third party security retriever information, and the annuity service server comprises:
and the annuity service server performs payment settlement on the annuity security settlement order based on the third party security retriever information according to the storage sequence of the message queue.
0 in one embodiment, after the annuity service server obtains the annuity security settlement order sent by the annuity service terminal every a preset time period, and before the annuity service server generates the third party security acquirer information according to the annuity security settlement order, the method further includes:
The annuity service server checks whether the information queue has the third party security retriever information corresponding to the annuity security settlement order;
and 5, if the third party security retriever information corresponding to the annuity security settlement order does not exist in the message queue, the annuity service server executes the step of generating the third party security retriever information based on the annuity security settlement order.
In one embodiment, if there is a correspondence of the annuity security settlement order in the message queue
The third party security retriever information of (2) further comprises: and 0, updating the third party security retriever information corresponding to the annuity security settlement order, and storing the updated third party security retriever information in the message queue again.
In one embodiment, after the annuity service server obtains the annuity security settlement orders sent by the annuity service terminal every a preset time period, and before the annuity service server generates the third party security retriever information based on the annuity security settlement orders, the method further includes: 5 the annuity business server determining a first settlement amount based on the annuity security settlement order;
And the annuity service server verifies that the first settlement amount is the same as the second settlement amount of the annuity security settlement order acquired from the annuity service terminal, and if the first settlement amount is the same, the annuity service server executes the step of generating third party security retriever information based on the annuity security settlement order.
According to another aspect of the present application, there is provided an annuity payment processing method including: generating annuity security settlement orders by the annuity service terminal every preset time period, wherein the annuity security settlement orders comprise settlement information of all security projects carrying target data source identifiers generated in the preset time period;
the annuity service terminal sends the annuity security settlement order to an annuity service server;
the annuity service terminal obtains a payment settlement result of the annuity service server for performing payment settlement on the annuity security settlement order;
and the annuity service terminal responds to the payment settlement result as successful payment, and confirms that the annuity security settlement order settlement is completed.
In one embodiment, the annuity service terminal generates an annuity security settlement order every a preset time period, including:
Responding to a settlement request of a security item, checking whether the security item is a preset annuity payment item by the annuity service terminal, and if so, adding a target source identifier into the security item;
and the annuity service terminal generates an annuity security settlement order based on the settlement information of all security items added with the target source identification in a preset time period.
In one embodiment, after the annuity service terminal obtains a payment settlement result of the annuity service server for performing payment settlement on the annuity security settlement order, the method further includes:
and the annuity service terminal responds to the payment settlement result as a payment failure, and sends a re-settlement request to the annuity service server, wherein the re-settlement request carries the annuity security settlement order, so that the annuity service server carries out payment settlement on the annuity security settlement order again.
According to still another aspect of the present application, there is provided an electronic apparatus including: a memory and a processor;
the memory stores computer-executable instructions;
the processor executes the computer-executable instructions stored in the memory to cause the electronic device to perform the annuity payment processing method.
According to yet another aspect of the present application, there is provided a computer-readable storage medium having stored therein computer-executable instructions for implementing the annuity payment processing method when executed by a processor.
The annuity payment processing method, the annuity payment processing equipment and the annuity payment processing medium acquire annuity security settlement orders sent by an annuity service terminal through an annuity service server every preset time period, wherein the annuity security settlement orders comprise settlement information of all security projects carrying target data source identifiers generated in the preset time period; the annuity service server generates third-party security retriever information based on the annuity security settlement order, and the third-party security retriever information is mapped with the retriever information of the security project; and the annuity service server performs payment settlement on the annuity security settlement order based on the third party security acquirer information and feeds back a payment settlement result to the annuity service terminal. In the process, the annuity service server is used for improving the payment flow of the existing annuity account security project by utilizing interaction between the annuity service server and the annuity service terminal, periodically acquiring annuity security settlement orders sent by the annuity service terminal, generating third party security acquirer information based on the annuity security settlement orders, and then settling the annuity security settlement orders in the period, so that the technical effects of effectively simplifying the payment flow and simultaneously reducing the error probability are achieved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.
Fig. 1 is a schematic diagram of one possible scenario provided in an embodiment of the present application;
fig. 2 is a flow chart of an annuity payment processing method provided in an embodiment of the present application;
FIG. 3 is a flowchart of another annuity payment processing method according to an embodiment of the present disclosure;
FIG. 4 is a schematic flow chart of another annuity payment processing method according to an embodiment of the present disclosure;
FIG. 5 is a flowchart of another annuity payment processing method according to an embodiment of the present disclosure;
FIG. 6 is a flow chart of an exemplary embodiment of the present application;
fig. 7 is a schematic structural diagram of an annuity service server according to an embodiment of the present application;
fig. 8 is a schematic structural diagram of an annuity service terminal according to an embodiment of the present application;
fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Specific embodiments thereof have been shown by way of example in the drawings and will herein be described in more detail. These drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but to illustrate the concepts of the present application to those skilled in the art by reference to specific embodiments.
Detailed Description
At present, service charges of a third party platform are paid by using annual fee (universal insurance), the insurance end is equivalent to a security project for reducing account amount by policy operation, and each security project can generate payment data to a acquirer of the security project after confirmation, namely an applicant of the policy. If a plurality of annuity insurance policies and a plurality of service fees of the third party platform are paid, a plurality of security items for reducing the account amount and a plurality of payment data corresponding to a plurality of payment data are generated, and the data need to be transferred to a third party health service provider by a customer.
In the related art, it is difficult to directly transfer the security payment amount of the reduced account amount generated by the universal risk payment health service fee to a third party, and each security item of the reduced account amount generates a transfer data, so that under the condition of large customer amount and frequent transaction, security and financial related personnel need to invest a great deal of manpower and time for checking, and the error probability is correspondingly increased.
Aiming at the technical problems, the embodiment of the application provides a annuity payment processing method, equipment and medium, which utilize interaction between an annuity service server and an annuity service terminal, reform the payment flow of the existing account amount reduction security project, the annuity service server obtains annuity security settlement orders sent by the annuity service terminal every preset time period, generates third party security acquirer information based on the annuity security settlement orders, then carries out payment settlement on the annuity security settlement orders based on the third party security acquirer information, and feeds back payment settlement results to the annuity service terminal, so that simultaneous payment of a plurality of annuity security settlement orders is realized, the process enables the payment flow to simultaneously support the payment flow of an insurance end for reducing account amount, the combined support flow of the health service cost of the universal account payment, effectively reduces the financial accounting work of security service personnel and financial staff, reduces the number of sending back, and greatly reduces the probability of errors.
For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the technical solutions in the embodiments of the present application will be described in more detail below with reference to the accompanying drawings in the embodiments of the present application. In the drawings, the same or similar reference numerals refer to the same or similar components or components having the same or similar functions throughout. The described embodiments are some, but not all, of the embodiments of the present application. The embodiments described below by referring to the drawings are exemplary and intended for the purpose of explaining the present application and are not to be construed as limiting the present application. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure.
Fig. 1 is a schematic diagram of a possible scenario provided in an embodiment of the present application, as shown in fig. 1, including an annuity service terminal 110 and an annuity service server 120, where the annuity service terminal 110 and the annuity service server 120 are connected to each other through a wired or wireless network. Optionally, the annuity service terminal 110 is configured to manage service rights consumed by the annuity account on a third party platform and create an annuity security settlement order based on data that is successfully reconciled after the rights are used, for example, the third party platform is a health service platform, the annuity service terminal may set the health service rights consumed by the annuity account according to the application situation of the annuity account, the annuity service terminal 110 periodically provides the annuity security settlement order to the annuity service server 120, and the annuity service server 120 is configured to generate third party security acquirer information and perform payment settlement based on the data provided by the annuity service terminal 110. Optionally, during payment settlement, the annuity service server 120 takes on primary computing work and the annuity service terminal 110 takes on secondary computing work; alternatively, the annuity service server 120 takes on secondary computing work and the annuity service terminal 110 takes on primary computing work; alternatively, the annuity service server 120 or the terminal 110, respectively, can solely undertake computing work.
In a specific application, the technical scheme provided by the embodiment can be applied to Yu Taikang life-nourishing health service core system projects, for security projects consumed by adopting annuity accounts on a third party platform, the payment amount settlement times of the account amount security projects can be reduced at an annuity service server, and the settlement orders are combined into one payment periodically, so that the payment flow can be effectively simplified, the payment processing efficiency is improved, and meanwhile, the error probability caused by frequent interaction between an insurance agency and the third party platform is reduced.
The annuity service terminal 110 may include, but is not limited to, a computer, a smart phone, a tablet computer, an electronic book reader, a dynamic image expert compression standard audio layer 3 (Moving Picture experts group audio layer III, MP3 for short) player, a dynamic image expert compression standard audio layer 4 (Moving Picture experts group audio layer IV, MP4 for short) player, a portable computer, a car-mounted computer, a wearable device, a desktop computer, a set-top box, a smart television, and the like.
The annuity business server 120 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), basic cloud computing services such as big data and artificial intelligence platforms, and the like.
Alternatively, the number of the annuity service terminals 110 or the annuity service servers 120 may be greater or less, which is not limited in the embodiment of the present application.
The scenario schematic diagrams of the present application are briefly described above, and the details provided in the embodiments of the present application are described below by taking the annuity service terminal 110 and the annuity service server 120 applied in fig. 1 as an example.
It should be noted that, the processes of collecting, storing, using, processing, transmitting, providing, disclosing and the like of the personal information of the user related in the technical scheme of the application all conform to the regulations of the related laws and regulations and do not violate the popular regulations of the public order.
Referring to fig. 2, fig. 2 is a flowchart of an annuity payment processing method according to an embodiment of the present application, and the method includes steps S201-S203.
Step S201, the annuity service server acquires annuity security settlement orders sent by the annuity service terminal every preset time period, wherein the annuity security settlement orders comprise settlement information of all security items carrying target data source identifiers and generated in the preset time period.
In this embodiment, the annuity security settlement order is data information including an annuity security settlement order, for example, including single number field information, amount field information and corresponding source identification field information corresponding to the annuity security settlement order. In one implementation, after the annuity service terminal checks the annuity, the annuity service terminal sends an annuity settlement order to the annuity service server, and for the annuity service terminal adds the target data source identifier to the corresponding security item for the security item for reducing the amount of the annuity account, for example, when the security item is the security item generated by paying the health service fee for the annuity account, the annuity service terminal adds the target data source identifier to the security item: medical care is carefree.
Specifically, at the settlement period node, the annuity service terminal may acquire the security data in the period, for example, the health service core terminal acquires the security data in the period of purchasing health service by using an annuity account, where the data is the data after the annuity service terminal completes the reconciliation of the security data in the period of the health service platform. After successful reconciliation, the annuity service terminal creates a secure statement to initiate settlement. That is, the corresponding security items in the time range are combined to generate a piece of data to be paid (security settlement order), and the order number of the security settlement order for combined payment is the statement number, not the security number.
It should be noted that, a person skilled in the art can adaptively set the preset time period in combination with practical application, and exemplary, the preset time period can be adaptively adjusted according to the consumption record of the service rights of the third party of the client history with the annuity account, for example, the historical consumption times are more, and the preset time period can be adaptively shortened, otherwise, the preset time period is prolonged; or, the preset time period can be adjusted according to the number of annuity accounts enjoying the service rights of the third party platform, the preset time period can be adaptively shortened when the number of annuity accounts enjoying the service rights of the third party is more, and the preset time period can be adaptively prolonged when the number is less, so that payment settlement requirements are met, and payment settlement is carried out frequently.
In this embodiment, for a large number of security projects, the annuity service server adopts the form of the target data source identifier, so that the annuity service server can directly process the security projects carrying the target data source identifier, and effectively improve the annuity payment processing efficiency.
And step S202, the annuity service server generates third-party security retriever information based on the annuity security settlement order, and the third-party security retriever information is mapped with the retriever information of the security project.
In this embodiment, for the security item with the data source being the target data source such as "medical care careless" and reduced account amount, the payor information data is not directly generated during security confirmation, but the third party security retriever information is generated after the annuity settlement orders corresponding to all the security items are periodically received. For the security items with data sources being non-target data sources such as medical care careless and reduced account amount, the payable data information of the acquired information can be directly generated during security confirmation.
It can be appreciated that the third party security retriever information in this embodiment is used to identify the payment retrievers of all security settlement orders in the period, and is mapped to the (actual) retriever information of all security projects, that is, the actual retriever information of each security project is correspondingly generated after the third party security retriever information is generated.
And step 203, the annuity service server performs payment settlement on the annuity security settlement order based on the third party security acquirer information, and feeds back a payment settlement result to the annuity service terminal.
In this embodiment, after the third party security retriever information is generated, the annuity service server performs unified payment settlement on the security settlement order, and feeds back the payment to the annuity service terminal at the same time, and sets the retrieval state of the third party security retriever as successful retrieval, so that the settlement result is more accurate, and meanwhile, the conditions of missed retrieval, incorrect retrieval and the like of the retriever are not caused.
Illustratively, customers A, B all purchase medical care carefree universal (annuity) products of a certain insurance agency (such as Tai Kang Renshou), the total amount of A universal accounts is 10000 yuan, and the total amount of B universal accounts is 20000 yuan. The client A uses a universal account to purchase the medical service provided by an enterprise health network (a third party platform) for 3 times, 3 security projects for reducing the account amount are generated, and the amount of the security projects for 3 times is 100 yuan, 200 yuan and 300 yuan respectively; and the client B uses the universal account to purchase the medical service provided by the enterprise and key network for 2 times, 2 security items for reducing the account are generated, and the sum of the 2 security items is 100 yuan and 100 yuan respectively.
After 3 purchases of service, customer a has a universal account amount of 9400. The reduced 600 yuan amount remains unpaid at the insurance entity. After 2 purchases of service, customer B has purchased the universal account for 19800. The reduced 200 yuan amount remains unpaid at the insurance entity.
When the settlement period is reached, 3 security projects of the client A generate 3 payment data of the applicant, 2 security projects of the client B generate 2 payment data of the applicant, 5 security payment data of the client A and 5 security payment data of the client B are combined into one payment data of a third party security applicant for a third party platform, the combined payment amount is 800 yuan, the 800 yuan is paid to the third party platform after the payment data is received by finance, and the payment states of a plurality of applicant (actual collection) of the client A and the client B are set as successful payment.
Referring to fig. 3, fig. 3 is a schematic diagram showing another payment processing method for an annuity account according to the embodiment of the present application, where considering the payment security of the annuity account, before generating the information of the third party security acquirer, it is first checked whether the amount information of the annuity security settlement order is consistent with the amount information calculated by the annuity service server, specifically, in addition to the steps S201 to S203, after the annuity service server obtains the annuity security settlement order sent by the annuity service terminal every preset time period in step S201, and before the third party security acquirer information is generated by the annuity service server based on the annuity security settlement order in step S202, steps S301 and S302 are further included.
Step S301, the annuity business server determines a first settlement amount based on the annuity security settlement order.
Step S302, the annuity service server verifies that the first settlement amount is the same as the second settlement amount of the annuity security settlement order acquired from the annuity service terminal, and if the first settlement amount is the same, the step S202 is executed, wherein the annuity service server generates third party security acquirer information based on the annuity security settlement order; if the service terminals are different, the process can be ended or returned to the annuity service terminal.
In one implementation, the annuity business server calls an annuity background system to calculate the sum of corresponding security items according to all the security items contained in the security settlement order and to add up the sum, when the calculated sum (first settlement sum) is consistent with the total sum (second settlement sum) of the security settlement order, the annuity business server gives the information of the security settlement order to the corresponding security platform, and generates a third party security retriever information record taking a third party as a retriever according to the security settlement order and the security items contained in the security settlement order on the security platform of the annuity business server, and simultaneously generates a piece of retriever information of the security items within the security settlement order range, and the retrieval state is set as successful. If the sum of the security settlement orders is not consistent with the total sum calculated by the annuity service server, failure information is returned to the annuity service terminal, and the annuity service terminal rechecks the failure information, and settlement can be restarted after checking is complete.
Referring to fig. 4, fig. 4 is a diagram showing a payment processing method of an annuity account according to an embodiment of the present application, in which a message queue is added, and by storing information of a third party security retriever in the message queue, an annuity service server sequentially pays and settles according to the message queue, so as to further reduce a payment error rate, specifically, in addition to the above steps S201-S203, step S401 is further included after step S202 and before step S203, and step S203 is further divided into step S203a.
And step S401, the annuity service server stores the third party security retriever information into a message queue, wherein the message queue is used for storing the third party security retriever information corresponding to all annuity security settlement orders.
And step 203a, the annuity service server performs payment settlement on the annuity security settlement order based on the third party security acquirer information according to the storage sequence of the message queue.
In this embodiment, by storing the third party security retriever information in the message queue, on the one hand, when there are multiple annuity security settlement orders, payment can be sequentially performed according to the third party security retriever information, so as to avoid confusion payment of the multiple annuity security settlement orders. For example, an insurance organization cooperates with multiple third party platforms, and security settlement orders paid for annuity accounts on different platforms typically need to be calculated and processed separately, and on the other hand, a message queue may be used as a repository for information of third party security retrievers.
In one embodiment, in order to avoid repeated payment of the same annuity security settlement order, the embodiment further includes the following steps after the annuity service server obtains the annuity security settlement order sent by the annuity service terminal every a preset period of time in step S201, and before the annuity service server generates the third party security acquirer information according to the annuity security settlement order in step S202:
the annuity service server checks whether the information queue has the third party security retriever information corresponding to the annuity security settlement order;
and if the third party security retriever information corresponding to the annuity security settlement order does not exist in the message queue, the annuity service server executes the step of generating the third party security retriever information based on the annuity security settlement order.
In this embodiment, when the third party security retriever information is generated, by checking whether the corresponding third party security retriever information exists in the message queue, repeated payment of the same annuity security settlement order is effectively avoided. In addition, for the same annuity security settlement order, there is an amount confirmation and generation of third party security retriever information, but in the case of payment failure in the payment process, the third party security retriever information is already in the message queue, and needs to be modified to ensure that each third party security retriever information corresponds to one payment success information, so as to ensure rights and interests of insurance institutions, users and third party platforms.
Further, if the information of the third party security retriever corresponding to the annuity security settlement order exists in the message queue, the method may further include the following steps:
and updating the third party security retriever information corresponding to the annuity security settlement order, and storing the updated third party security retriever information in the message queue again.
In this embodiment, the third party security retriever information is updated when the third party security retriever information exists, and payment is performed again according to the updated third party security retriever information. The updated content may be an update of the name, such as the retriever information 1.0 and the retriever information 2.0.
The embodiment of the application correspondingly provides a annuity payment processing method, which is shown in fig. 5 and comprises steps S501-S504.
Step S501, generating annuity security settlement orders every preset time period by an annuity service terminal, wherein the annuity security settlement orders comprise settlement information of all security items carrying target data source identifiers generated in the preset time period;
step S502, the annuity service terminal sends the annuity security settlement order to an annuity service server;
Step S503, the annuity service terminal obtains a payment settlement result of the annuity service server for performing payment settlement on the annuity security settlement order;
and step S504, the annuity service terminal responds to the payment settlement result as successful payment, and confirms that the annuity security settlement order settlement is completed.
In one embodiment, the step S501 annuity service terminal generates an annuity security settlement order every preset time period, including:
responding to a settlement request of a security item, checking whether the security item is a preset annuity payment item by the annuity service terminal, and if so, adding a target source identifier into the security item;
and the annuity service terminal generates an annuity security settlement order based on the settlement information of all security items added with the target source identification in a preset time period.
It should be noted that, a person skilled in the art may adaptively set the preset annuity payment items in connection with practical applications, for example, all security items that can be paid with annuity accounts.
In one embodiment, after the annuity service terminal obtains the payment settlement result of the annuity service server for performing payment settlement on the annuity security settlement order in step S503, the method further includes:
And the annuity service terminal responds to the payment settlement result as a payment failure, and sends a re-settlement request to the annuity service server, wherein the re-settlement request carries the annuity security settlement order, so that the annuity service server carries out payment settlement on the annuity security settlement order again.
To facilitate understanding of the embodiments of the present application, an exemplary embodiment is also provided, as shown in fig. 6, including the following flow:
s1, the annuity service terminal creates a settlement order (namely, a security settlement order) for the security data of successful reconciliation.
The annuity service terminal may check out with a fixed period (may correspond to a preset period of time) and a third party platform. For a security item that successfully reconciles the reduced account amount, the data source field is added.
S2, newly creating a bill by the annuity service terminal, and marking the bill state: the account is checked out and settled.
S3, the annuity service terminal initiates settlement to the annuity service server, and simultaneously sends the settlement bill to initiate a payment request.
In this embodiment, the annuity business server includes three parts, an annuity core center, an annuity security center, and an annuity payment center.
S4, the annuity core center receives the bill, calculates whether the total amount of each security in the bill is consistent with the total amount pushed by the annuity service terminal, if not, feeds back the bill to the annuity service terminal, and changes the state of the bill into: and (3) voiding, and/or re-checking the security items in the settlement order, returning to the step of newly creating the settlement order after successful checking, and re-initiating the settlement request.
And S4, if the total amount is consistent, generating information of a retriever (a third party retriever, namely the third party security retriever) by the annuity security center according to the statement, and enabling the third party security retriever to confirm the newly added interface and entering S5. In addition, the information can be returned to the annuity service terminal, and the annuity service terminal updates the settlement list state: the payment to be made is confirmed.
S5, the annuity security center stores the information of the third party retriever into a Message Queue (MQ);
s6, the annuity financial center pays the information of the third party retrievers according to the storage sequence of the message queue, and returns a payment result to the annuity core center;
and S7, the annuity core platform receives the payment settlement result and feeds back the payment settlement result to the annuity service terminal. Meanwhile, the state information of the corresponding bill is updated in the self equipment, and operations such as security, coping with verification and the like are carried out when the payment is successful;
S8, checking whether the bill is paid successfully or not by the annuity service terminal, if so, confirming that the bill is calculated completely, and updating the bill state into the state that the bill is paid already;
s9, if the payment fails, the annuity service terminal reinitiates the settlement, and the settlement bill is unchanged in the process, namely the interface of the settlement bill for initiating the settlement is unchanged;
s10, after receiving a re-settlement request, the annuity core platform checks whether the amount of the bill is consistent with the calculation, if not, the bill is fed back to the annuity service terminal, and the annuity service terminal can change the state of the bill into: and (3) voiding, and/or re-checking the security items in the settlement order, returning to the step of newly creating the settlement order after successful checking, and re-initiating the settlement request.
S11, if the amounts are consistent, the annuity core center pushes information to the annuity security center, and the annuity security center carries out the retriever modification to the bill — a retriever modification interface (whether to newly add or modify can be judged according to the bill number)
In this embodiment, after synchronizing to the annuity security center, the security judges whether to create the information of the retriever according to whether the statement exists, and can modify the information of the retriever. After the information of the retriever is modified, the information is also stored in a message queue, and after the annuity financial center monitors the message, the corresponding data are acquired and financial payment is carried out.
Therefore, the payment processing scheme of the embodiment solves the problems that in the prior art, the payment flow is more, the error probability is higher, and meanwhile, the payment processing scheme also has an anti-repeated payment mechanism, on one hand, after the financial payment fails, the annuity service terminal can reinitiate the settlement for the current settlement bill, but not recreate the settlement bill; on the other hand, when the settlement is restarted, the annuity core middle platform modifies the information of the retriever and puts the information into the message queue, and the annuity core middle platform synchronizes the information in the message queue to the annuity financial center to pay the settlement bill.
The embodiment of the application correspondingly provides an annuity service server, as shown in fig. 7, including:
an order acquisition module 71 configured to acquire annuity security settlement orders sent by annuity service terminals every preset time period, where the annuity security settlement orders include settlement information of all security items carrying target data source identifiers generated in the preset time period;
a first generation module 72 arranged to generate third party security retriever information based on the annuity security settlement order, the third party security retriever information being mapped to the retriever information of the security project;
And a payment module 73 configured to perform payment settlement for the annuity security settlement order based on the third party security acquirer information, and to feed back a payment settlement result to the annuity service terminal.
In one embodiment, the apparatus further comprises:
the storage module is used for storing the third-party security retriever information into a message queue, and the message queue is used for storing the third-party security retriever information corresponding to all annuity security settlement orders;
the payment module 73 is specifically configured to perform payment settlement on the annuity security settlement order based on the third party security retriever information in the order of storage of the message queue.
In one embodiment, the apparatus further comprises:
the first verification module is used for verifying whether the third party security retriever information corresponding to the annuity security settlement order exists in the message queue;
the first generation module 72 is further configured to generate third party security retriever information based on the annuity security settlement order when the check result of the check module is that the third party security retriever information corresponding to the annuity security settlement order does not exist in the message queue.
In one embodiment, the apparatus further comprises:
and the updating storage module is used for updating the third-party security retriever information corresponding to the annuity security settlement order when the check result of the check module is that the third-party security retriever information corresponding to the annuity security settlement order exists in the message queue, and storing the updated third-party security retriever information in the message queue again.
In one embodiment, the apparatus further comprises:
a determining module configured to determine a first settlement amount based on the annuity security settlement order;
a second check module configured to check that the first settlement amount is the same as a second settlement amount of the annuity security settlement order acquired from the annuity service terminal;
the first generation module 72 is further configured to generate third party security retriever information based on the annuity security settlement order when the second verification module verifies that the same.
The embodiment of the application correspondingly provides an annuity service terminal, as shown in fig. 8, including:
the second generation module 81 generates an annuity security settlement order every preset time period by the annuity service terminal, wherein the annuity security settlement order comprises settlement information of all security items carrying target data source identifiers generated in the preset time period;
A transmitting module 82 configured to transmit the annuity security settlement order to an annuity service server;
a settlement acquiring module 83 configured to acquire a payment settlement result of the annuity service server for performing payment settlement on the annuity security settlement order;
a confirmation module 84 configured to confirm completion of settlement of the annuity security settlement order in response to the payment settlement result being successful payment.
In one embodiment, the second generating module 81 includes:
the verification identification unit is set to respond to a settlement request of a security item, the annuity service terminal verifies whether the security item is a preset annuity payment item, and if so, a target source identification is added in the security item;
and a generation unit configured to generate annuity security settlement orders based on settlement information of all security items of all the increase target source identifications within a preset period of time.
In one embodiment, the apparatus further comprises:
and the re-settlement module is used for sending a re-settlement request to the annuity business server in response to the payment settlement result being a payment failure, wherein the re-settlement request carries the annuity security settlement order so that the annuity business server carries out payment settlement on the annuity security settlement order again.
The embodiment of the application correspondingly further provides an electronic device, as shown in fig. 9, including: a memory 91 and a processor 92;
the memory 91 stores computer-executable instructions;
the processor 92 executes computer-executable instructions stored in the memory 91, so that the electronic device executes the annuity payment processing method.
According to yet another aspect of the present application, there is provided a computer-readable storage medium having stored therein computer-executable instructions for implementing the annuity payment processing method when executed by a processor.
Those of ordinary skill in the art will appreciate that all or some of the steps, systems, functional modules/units in the apparatus, and methods disclosed above may be implemented as software, firmware, hardware, and suitable combinations thereof. In a hardware implementation, the division between the functional modules/units mentioned in the above description does not necessarily correspond to the division of physical components; for example, one physical component may have multiple functions, or one function or step may be performed cooperatively by several physical components. Some or all of the physical components may be implemented as software executed by a processor, such as a central processing unit, digital signal processor, or microprocessor, or as hardware, or as an integrated circuit, such as an application specific integrated circuit. Such software may be distributed on computer readable media, which may include computer storage media (or non-transitory media) and communication media (or transitory media).
The term computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data, as known to those skilled in the art. Computer storage media includes, but is not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital Versatile Disks (DVD) or other optical disk storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the desired information and which can be accessed by a computer.
Furthermore, as is well known to those of ordinary skill in the art, communication media typically embodies computer readable instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave or other transport mechanism and includes any information delivery media.
In the description of the embodiments of the present application, the term "and/or" merely represents an association relationship describing an association object, which means that three relationships may exist, for example, a and/or B may represent: a exists alone, A and B exist together, and B exists alone. In addition, the term "at least one" means any combination of any one or at least two of the plurality, e.g., including at least one of A, B, may mean any one or more elements selected from the set consisting of A, B and C communication. Furthermore, the term "plurality" means two or more, unless specifically stated otherwise.
In the description of embodiments of the present application, the terms "first," "second," "third," "fourth," and the like (if any) are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that embodiments of the present application described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some or all of the technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit of the corresponding technical solutions from the scope of the technical solutions of the embodiments of the present application.
Claims (10)
1. A annuity payment processing method, comprising:
the annuity service server acquires annuity security settlement orders sent by an annuity service terminal every preset time period, wherein the annuity security settlement orders comprise settlement information of all security items carrying target data source identifiers and generated in the preset time period;
the annuity service server generates third-party security retriever information based on the annuity security settlement order, and the third-party security retriever information is mapped with the retriever information of the security project;
and the annuity service server performs payment settlement on the annuity security settlement order based on the third party security acquirer information and feeds back a payment settlement result to the annuity service terminal.
2. The method as recited in claim 1, further comprising:
the annuity service server stores the third-party security retriever information into a message queue, wherein the message queue is used for storing the third-party security retriever information corresponding to all annuity security settlement orders;
the annuity service server performs payment settlement on the annuity security settlement order based on the third party security retriever information, and the annuity service server comprises:
And the annuity service server performs payment settlement on the annuity security settlement order based on the third party security retriever information according to the storage sequence of the message queue.
3. The method of claim 2, wherein after the annuity service server obtains annuity security settlement orders sent by the annuity service terminal every preset time period, and before the annuity service server generates third party security retriever information according to the annuity security settlement orders, further comprising:
the annuity service server checks whether the information queue has the third party security retriever information corresponding to the annuity security settlement order;
and if the third party security retriever information corresponding to the annuity security settlement order does not exist in the message queue, the annuity service server executes the step of generating the third party security retriever information based on the annuity security settlement order.
4. The method of claim 3, wherein if the third party security retriever information corresponding to the annuity security settlement order is present in the message queue, further comprising:
and updating the third party security retriever information corresponding to the annuity security settlement order, and storing the updated third party security retriever information in the message queue again.
5. The method according to any one of claims 1 to 4, wherein after the annuity service server acquires annuity security settlement orders transmitted by the annuity service terminal every preset period of time, and before the annuity service server generates third party security retriever information based on the annuity security settlement orders, further comprising:
the annuity service server determining a first settlement amount based on the annuity security settlement order;
and the annuity service server verifies that the first settlement amount is the same as the second settlement amount of the annuity security settlement order acquired from the annuity service terminal, and if the first settlement amount is the same, the annuity service server executes the step of generating third party security retriever information based on the annuity security settlement order.
6. A annuity payment processing method, comprising:
generating annuity security settlement orders every preset time period by the annuity service terminal, wherein the annuity security settlement orders comprise settlement information of all security projects carrying target data source identifiers generated in the preset time period;
the annuity service terminal sends the annuity security settlement order to an annuity service server;
The annuity service terminal obtains a payment settlement result of the annuity service server for performing payment settlement on the annuity security settlement order;
and the annuity service terminal responds to the payment settlement result as successful payment, and confirms that the annuity security settlement order settlement is completed.
7. The method of claim 6, wherein the annuity service terminal generates annuity security settlement orders every preset time period, comprising:
responding to a settlement request of a security item, checking whether the security item is a preset annuity payment item by the annuity service terminal, and if so, adding a target source identifier into the security item;
and the annuity service terminal generates an annuity security settlement order based on the settlement information of all security items added with the target source identification in a preset time period.
8. The method of claim 6, further comprising, after the annuity service terminal obtains a payment settlement result of the annuity service server for payment settlement of the annuity security settlement order:
and the annuity service terminal responds to the payment settlement result as a payment failure, and sends a re-settlement request to the annuity service server, wherein the re-settlement request carries the annuity security settlement order, so that the annuity service server carries out payment settlement on the annuity security settlement order again.
9. An electronic device, comprising: a memory and a processor;
the memory stores computer-executable instructions;
the processor executing computer-executable instructions stored in the memory, causing the electronic device to perform the annuity payment processing method of any one of claims 1-5, or the annuity payment processing method of any one of claims 6-8.
10. A computer-readable storage medium, wherein computer-executable instructions are stored in the computer-readable storage medium, which when executed by a processor, are configured to implement the annuity payment processing method of any one of claims 1-7, or the annuity payment processing method of any one of claims 6-8.
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