CN116681429A - Transaction processing method and device - Google Patents

Abstract

The embodiment of the specification provides a transaction processing method and a transaction processing device, wherein the transaction processing method comprises the following steps: and acquiring a transaction order of a user and a merchant submitted by a payment interface after calling the first transaction service, carrying out transaction payment processing of the transaction order based on the first payment channel, distributing the transaction order to the second payment channel for transaction payment processing if the transaction payment processing fails, and carrying out payment processing of payment deduction to the second payment channel based on a user account of the user under the condition that a payment instruction of the transaction order is detected.

Description

Transaction processing method and device

Technical Field

The present document relates to the field of data processing technologies, and in particular, to a transaction processing method and device.

Background

With the continuous development of online transactions, more and more services start to extend to online scenes, users tend to choose to make online shopping on an electronic transaction platform, products related to transactions are more and more abundant and related money is more and more in the online shopping process, for the electronic transaction platform for providing transaction matching for merchants and users, the willingness of users to participate in the transactions is improved by providing a rich payment mode in the transaction process, and credit lines for transactions are distributed to users by introducing a credit system.

Disclosure of Invention

One or more embodiments of the present specification provide a transaction processing method, including: and acquiring a transaction order of the user and the merchant submitted by the first transaction service calling post-payment interface. And carrying out transaction substitution payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service. And if the transaction payment replacing processing fails, distributing the transaction order to a second payment replacing channel accessed by a second transaction service to conduct the transaction payment replacing processing of the transaction order. And under the condition that the payment replacing instruction of the transaction order is detected, performing payment replacing processing on the second payment replacing channel based on the user account of the user.

One or more embodiments of the present specification provide a transaction processing apparatus including: and the transaction order acquisition module is configured to acquire a transaction order of the user and the merchant submitted by the first transaction service calling postpaid interface. And the transaction payment processing module is configured to conduct transaction payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service. And if the transaction payment replacing processing fails, operating a transaction order distributing module, wherein the transaction order distributing module is configured to distribute the transaction order to a second payment replacing channel accessed by a second transaction service to conduct the transaction payment replacing processing of the transaction order. And under the condition that the payment replacing instruction of the transaction order is detected, operating a payment replacing and deducting module, wherein the payment replacing and deducting module is configured to carry out payment replacing and deducting processing on the second payment channel based on the user account of the user.

One or more embodiments of the present specification provide a transaction processing device including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring a transaction order of the user and the merchant submitted by the first transaction service calling post-payment interface. And carrying out transaction substitution payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service. And if the transaction payment replacing processing fails, distributing the transaction order to a second payment replacing channel accessed by a second transaction service to conduct the transaction payment replacing processing of the transaction order. And under the condition that the payment replacing instruction of the transaction order is detected, performing payment replacing processing on the second payment replacing channel based on the user account of the user.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and acquiring a transaction order of the user and the merchant submitted by the first transaction service calling post-payment interface. And carrying out transaction substitution payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service. And if the transaction payment replacing processing fails, distributing the transaction order to a second payment replacing channel accessed by a second transaction service to conduct the transaction payment replacing processing of the transaction order. And under the condition that the payment replacing instruction of the transaction order is detected, performing payment replacing processing on the second payment replacing channel based on the user account of the user.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the following brief description of the drawings is given, it being obvious that the drawings in the following description are only some embodiments described in the present description, and that other drawings may be obtained according to these drawings without inventive effort for a person of ordinary skill in the art;

FIG. 1 is a schematic diagram of an environment in which a transaction processing method according to one or more embodiments of the present disclosure may be implemented;

FIG. 2 is a process flow diagram of a transaction processing method according to one or more embodiments of the present disclosure;

FIG. 3 is a process flow diagram of a transaction processing method for a first post-paid scenario according to one or more embodiments of the present disclosure;

FIG. 4 is a process flow diagram of a transaction processing method for a second post-paid scenario according to one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of one embodiment of a transaction processing device provided in one or more embodiments of the present disclosure;

fig. 6 is a schematic structural diagram of a transaction processing device according to one or more embodiments of the present disclosure.

Detailed Description

In order to make the technical solution in one or more embodiments of the present specification better understood by a user in the art, the technical solution in one or more embodiments of the present specification will be clearly and completely described below with reference to the accompanying drawings in one or more embodiments of the present specification, and it is apparent that the described embodiments are only some embodiments of the present specification, but not all embodiments. All other embodiments, which can be made by a user of ordinary skill in the art without undue effort based on one or more embodiments of the present disclosure, are intended to be within the scope of the present disclosure.

The transaction processing method provided in one or more embodiments of the present disclosure may be applicable to an implementation environment of a transaction, and referring to fig. 1, the implementation environment includes at least a first transaction server 101, a second transaction server 102, a post-payment interface 103, and a proxy server 104.

The first transaction server 101 may be one or more servers, a server cluster formed by a plurality of servers, or a cloud server of a cloud computing platform, configured to provide a first transaction service for a user and a merchant; in the process of performing the first transaction service, the user may first enjoy the service of the merchant and then pay the service fee, and specifically, the first transaction server 101 sends the transaction order of the user and the merchant to the payment server 104 for transaction payment processing, so as to complete payment of the service fee to the user. The second transaction server 102 may be one or more servers, a server cluster formed by a plurality of servers, or a cloud server of a cloud computing platform, for providing the second transaction service for the user and the merchant.

The post-payment interface 103 is an interface for paying a trade order, in this embodiment, when a user submits the trade order for a commodity in the trade platform during the process of purchasing the commodity, the user submits the generated trade order for the commodity with a merchant by calling the post-payment interface; or when the user submits a trade order for the service in the process of purchasing the service in the trade service, the user submits the generated trade order for the service with the merchant by calling the post-payment interface.

The payment server 104 may be one or more servers, a server cluster formed by a plurality of servers, or a cloud server of a cloud computing platform, which is used for accessing the first transaction server 101 and performing transaction payment processing on a transaction order, or is used for accessing the second transaction server 102 and performing transaction payment processing on the transaction order.

In this implementation environment, the transaction order of the user and the merchant submitted by the post-payment interface 103 is acquired by the first transaction server 101, transaction payment processing of the transaction order is performed based on the first generation payment channel accessed by the first transaction server 101, if the transaction payment processing fails, the transaction order is distributed to the second generation payment channel accessed by the second transaction server 102 to perform the transaction processing of the transaction order, and under the condition that the payment instruction of the transaction order is detected, payment processing is performed to the second generation payment channel based on the user account of the user.

One or more embodiments of a transaction processing method provided herein are as follows:

referring to fig. 2, the transaction processing method provided in the present embodiment specifically includes steps S202 to S208.

Step S202, a transaction order of a user and a merchant submitted by a first transaction service calling post-payment interface is obtained.

In this embodiment, post-payment refers to a transaction mode in which a user firstly obtains a commodity corresponding to a transaction order after submitting the transaction order in the process of conducting a transaction for the commodity, and then pays for the transaction order after receiving the commodity, and this transaction mode is called post-payment; or, post-payment may also refer to a transaction manner in which, in a transaction process for a specific service, after submitting a transaction order, a merchant provides the specific service corresponding to the transaction order to the user, and after providing the specific service, the user pays for the transaction order, where the specific service may be a human service or a data service. Post-paid may be provided to the user in the form of a service, namely: post-paid services. The post-paid interface comprises: an access interface for post-paid services and/or a call interface for post-paid services.

In practical application, when a user purchases goods or enjoys specific service through post-paid service provided by a merchant, the post-paid service makes a substitution for the cost of purchasing goods or enjoying specific service, if the transaction order quantity of the user is too large, the risk that the post-paid service is deactivated because the substitution exceeds an affordable threshold value is caused for the post-paid service for making the substitution, in this case, in order to improve the stability of the post-paid service, a substitution account is opened for the post-paid service to compensate the substitution, specifically, in order to open respective corresponding substitution accounts for multiple types of post-paid service, in the case that the funds of the substitution account corresponding to the current type of post-paid service are insufficient, the substitution account corresponding to other post-paid service is compensated, so that the substitution success rate is improved.

In this embodiment, the transaction service refers to a post-payment service, where the first transaction service may be any post-payment service accessed to the post-payment interface, and in turn, the second transaction service may be another post-payment service accessed to the post-payment interface, and the third transaction service may be another post-payment service accessed to the post-payment interface. Wherein the transaction service includes at least one of: pre-authorization services, pay-before-use services, credit-based pay-after-use services, delayed payment services. The pre-authorization service such as leasing the treasured charge service can realize leasing after one-time authorization of the post-payment service and deduction after returning; the pay-before-use service is a service of taking goods first and paying for the goods; a post-paid service based on credit, for example, a service of taking a credit line as a guarantee, and paying for the commodity; the delayed payment service is, for example, a service of taking a commodity and then paying the commodity for a predetermined delay time.

In a specific implementation, each transaction service is performed based on a credit line of a user, the user can obtain a corresponding service by exchanging the credit line, and can participate in the corresponding service by consuming the credit line, so that in order to promote credit constraint on the user and reduce possibility of overdue or default of the user caused by transaction substitution payment failure, after acquiring a transaction order of the user and a merchant submitted by a first transaction service calling postpayment interface, in an alternative implementation provided in this embodiment, the credit line of the user is frozen according to the transaction amount of the transaction order.

For different transaction services, in the process of carrying out transaction payment for the transaction order of the user, credit line to be deducted is different, specifically, credit line freezing processing is carried out on the credit line which is the same as the transaction amount of the transaction order in the credit line of the user so as to finish the transaction service, and after deduction payment processing is carried out on the basis of the user account, thawing processing is carried out on the frozen credit line of the user. For example, the credit line of the user is x, the transaction amount is a, and the a credit line in the credit line x of the user is frozen in the process of adding transaction substitution to the transaction order of the user.

Step S204, performing transaction payment processing of the transaction order based on the first generation payment channel accessed by the first transaction service.

As described above, in order to alleviate the fund pressure of the merchant under the transaction service, the present embodiment performs fund-making on the transaction order between the user and the merchant generated by the transaction service by opening the payment substituting account, and the payment substituting/helping the user pay the transaction amount of the transaction order to the merchant, and finally performs payment substituting and repayment processing on the user account of the user after the transaction order is completed, so as to return the transaction amount to the payment substituting account, specifically, performs transaction substitution payment of the transaction order by accessing the transaction service into the payment substituting channel. The payment replacing channel refers to a payment replacing channel for carrying out transaction orders, namely transaction payment replacing processing for carrying out transaction orders through payment replacing accounts corresponding to transaction services.

For example, if a user submits a trade order through a pre-authorization service, the trade replacement processing of the trade order may be performed through an insurance account opened for the pre-authorization service; if the user submits the trade order through the pay-before-use service, the trade processing of the trade order can be carried out through a balance account opened for the pay-before-use service; if the user submits a trade order through the credit-based post-paid service, the trade processing of the trade order may be performed through an online bank of the credit-based post-paid service; if the user submits a trade order through the delayed payment service, the trade processing of the trade order may be performed through the delayed payment internet banking.

Specifically, in the process of carrying out the transaction substitution processing of the transaction order, the transaction substitution processing of the transaction order is carried out based on the first generation payment channel accessed by the first transaction service, and in an optional implementation manner provided in this embodiment, the transaction substitution processing of the transaction order is carried out based on the first generation payment channel accessed by the first transaction service in the following manner:

and performing fund deduction on a first generation payment account of the first generation payment channel according to the transaction amount of the transaction order, and transferring the fund obtained by the fund deduction into a merchant account of the merchant.

The first generation payment account may be an account for a first generation service channel to pay for a trade order. Specifically, the first generation payment channel is configured with a first generation payment account so as to pay for the transaction order, after the transaction order of the user and the merchant submitted by the first transaction service calling post-payment interface is obtained, funds are deducted from the first generation payment account configured by the first generation payment channel according to the transaction amount of the transaction order, and the deducted funds are transferred to the merchant account.

After the transaction payment processing of the transaction order is performed based on the first generation payment channel accessed by the first transaction service, if funds in the first generation payment account are insufficient to pay the transaction order, the transaction payment processing fails, and the following step S206 is executed, if the transaction payment processing is successful, the payment processing is performed based on the user account of the user to the first generation payment channel if the payment instruction of the transaction order is detected.

In addition, since the amount of funds in the first generation payment account is limited, in order to avoid the situation that the payment processing fails due to insufficient funds in the first generation payment account to pay the transaction order, this embodiment also proposes a "combined payment" manner, that is, when the remaining amount of funds in the first generation payment account is insufficient to pay the transaction order, a part of the transaction amount of the transaction order is paid by the first generation payment account and the remaining amount is paid by the second generation payment account, in an alternative implementation manner provided in this embodiment, the transaction payment processing of the transaction order is performed based on the first generation payment channel accessed by the first transaction service in the following manner:

and if the transaction amount of the transaction order is larger than the residual fund amount of the first generation payment account, deducting the residual fund corresponding to the residual fund amount from the first generation payment account.

Specifically, if the transaction amount exceeds the residual fund amount of the first generation payment account, only deducting residual funds corresponding to the residual fund amount from the first generation payment account, and if the transaction amount of the transaction order is smaller than or equal to the residual fund amount of the first generation payment account, carrying out generation deduction payment processing on the first generation payment channel based on the user account of the user under the condition that the generation deduction payment instruction of the transaction order is detected.

Step S206, if the transaction payment processing fails, the transaction order is distributed to a second payment channel accessed by a second transaction service to conduct the transaction payment processing of the transaction order.

After the transaction substitution processing of the transaction order is performed based on the first generation payment channel accessed by the first transaction service, if the transaction substitution processing fails, the transaction order is distributed to the second generation payment channel accessed by the second transaction service for transaction substitution processing of the transaction order in order to improve the success rate of substitution processing of the transaction order.

In practical applications, in the process of carrying out transaction substitution payment processing of a transaction order based on a first generation payment channel accessed by a first transaction service, there are cases where the remaining amount of money in a first generation payment account of the first generation payment channel is insufficient to pay the transaction order, and other cases that cause failure of transaction substitution payment processing, for this purpose, in order to avoid that the payment flow of the transaction order is interrupted due to insufficient remaining amount of money in the first generation payment account or is interrupted due to abnormality of the first generation payment channel, in this embodiment, the transaction order is distributed to a second generation payment channel accessed by a second transaction service to carry out transaction substitution payment processing of the transaction order.

In particular, in the process of distributing the transaction order to the second transaction service, since the second payment channels accessed by each second transaction service are different, the available adjustment proportion of the payment account of each payment channel is also different, in order to improve the success rate of transaction payment, in an alternative implementation manner provided in this embodiment, the second payment channels are determined by adopting the following manner:

and determining a target payment channel in the payment channels of each transaction service according to the available allocation proportion of the payment accounts of the payment channels accessed by each transaction service, and determining the target payment channel as the second payment channel.

The available allocation proportion refers to the amount proportion of the payment account of the second payment channel for paying the transaction order submitted by the first transaction service. For example, for a guarantee service account corresponding to the pre-authorization service, the amount ratio for paying the transaction order of the first transaction service is x, and the amount ratio for paying the transaction order of the second transaction service is 1-x.

Specifically, because the available adjustment proportions of the payment accounts of the second payment channels are different, in the process of determining the second payment channels, in order to improve the success rate of transaction payment, the second payment channel with the highest available adjustment proportion is taken as the target payment channel.

In addition, in the process of determining the second payment channel, since the order type of the trade order and/or the object type of the trade object are different, only a specific payment channel can be adopted to carry out payment for the trade when carrying out transaction payment processing on the trade order, that is, each payment channel accessed by trade service is likely to support only a specific part of trade order, in this regard, in an alternative implementation provided in this embodiment, the second payment channel is determined by adopting the following manner:

and selecting a payment channel matched with the order type and/or the object type from payment channels accessed by each transaction service as the second payment channel according to the order type of the transaction order and/or the object type of the transaction object of the transaction order.

Specifically, in the process of determining the second generation payment channel, according to the order type and/or commodity type of the trade order, selecting a payment channel matched with the order type and/or commodity type from payment channels accessed by each trade service as the second generation payment channel.

In a specific implementation process, the payment channels accessed by each transaction service are further configured with payment priority, and in the process of distributing the transaction order, the limitation of the payment priority should be considered, that is, only the payment channels with the payment priority lower than that of the first payment channel can be selected, and in an alternative implementation manner provided in this embodiment, the second payment channel is determined by adopting the following manner:

Determining the payment priority of the payment channel accessed by each transaction service according to the configuration information of the payment channel accessed by each transaction service;

and selecting a payment channel with a payment priority lower than that of the first generation payment channel from the payment channels accessed by the transaction services as the second generation payment channel.

For example, when determining the second generation payment channel, the insurance account corresponding to the pre-authorized service is the first priority, the balance account corresponding to the post-pay-first service is the second priority, the online banking corresponding to the post-pay-first service is the third priority, the online banking corresponding to the delayed payment service is the fourth priority, and if the first generation payment channel is the balance account corresponding to the post-pay-first service, the second generation payment channel can only be the online bank corresponding to the post-pay-first service of the third priority, or the online bank corresponding to the delayed payment service of the fourth priority cannot be the insurance account corresponding to the pre-authorized service of the first priority.

In addition, the three ways for determining the second-generation payment channel provided above may be arbitrarily combined, and form a new implementation manner with the other processing steps provided in the present embodiment.

In a specific implementation, in a process of carrying out transaction payment processing of a transaction order based on the second payment channel, the second payment channel is also configured with a corresponding second payment account, and transaction payment processing of the transaction order is carried out by carrying out funds deduction on the second payment account, but when transaction payment processing is carried out on the transaction order submitted by the first transaction service through the second payment account, funds used for carrying out transaction payment processing in the second payment account are limited, that is, only payment of the transaction order can be carried out through transfer funds (funds used for carrying out payment processing on the transaction order submitted by the first transaction service) in the second payment account, and in an alternative implementation provided in this embodiment, the transaction payment processing of the transaction order is carried out by adopting the following manner to distribute the transaction order to the second payment channel accessed by the second transaction service:

and according to the transaction amount of the transaction order, performing fund deduction in the transferred funds of the second generation payment account of the second generation payment channel, and transferring the transferred funds obtained by the fund deduction into the merchant account of the merchant.

The allocated funds refer to funds in the second payment account for paying the transaction order of the first transaction service. Specifically, under the condition that the transaction substitution payment processing of the transaction order is failed based on the first generation payment channel accessed by the first transaction service, according to the transaction amount of the transaction order, performing fund deduction in the transferred fund of the second generation payment account of the second generation payment channel, and transferring the transferred fund obtained by the fund deduction into the merchant account of the merchant.

For example, in the case that the transaction substituting process of the transaction order is failed based on the internet banking accessed by the delay payment service, the transaction order is distributed to the insurance account opened by the pre-authorization service to perform the transaction substituting process of the transaction order, specifically, according to the transaction amount of the transaction order, funds are deducted from the allocated funds in the insurance account, and the deducted allocated funds are transferred to the merchant account of the merchant.

Further, since the allocated proportion of the second generation payment accounts corresponding to the second generation payment channels is different, the allocated funds used for carrying out the transaction payment processing of the transaction order are also different, in the process of carrying out the funds deduction on the allocated funds of the second generation payment accounts, in an optional implementation manner provided by the embodiment, whether the transaction amount exceeds the available allocated proportion of the allocated funds is detected, if so, the transaction order is distributed to the third generation payment channel accessed by the third transaction service to carry out the transaction payment processing of the transaction order, if not, the funds are deducted in the allocated funds of the second generation payment account of the second generation payment channel according to the transaction amount of the transaction order, and the allocated funds obtained by the funds deduction are transferred into the merchant account of the merchant.

In the implementation, when the transaction order is distributed to the second payment channel accessed by the second transaction service to perform the transaction payment processing of the transaction order, if the second payment channel corresponding to the second transaction service is a guarantee channel, a guarantee participation application is required to be first performed, and in an alternative implementation provided by the embodiment, the transaction order is distributed to the second payment channel accessed by the second transaction service to perform the transaction payment processing of the transaction order, which is implemented in the following manner:

invoking a guarantee interface of a guarantee service to submit a guarantee participation application of the trade order so as to perform guarantee participation processing on the trade order;

and invoking the guarantee interface to submit a guarantee payment request of the transaction order so as to deduct funds from the guarantee payment funds of the guarantee account of the guarantee channel, and transferring the guarantee funds obtained by deduction of the funds into the merchant account of the merchant.

Specifically, in the case that the second generation service fee channel accessed by the second transaction service is the guarantee service, a guarantee interface of the guarantee service is required to be called first to submit a guarantee participation application of the transaction order so as to perform guarantee participation processing on the transaction order, and in the process that the second transaction service performs the payment for the transaction order, the guarantee interface is called to submit a guarantee payment request of the transaction order so as to perform fund deduction in a guarantee payment funds of a guarantee account of the guarantee channel, and the guarantee funds obtained by fund deduction are transferred into a merchant account of a merchant.

In addition, in the case of the "combined payment" set forth above, in an alternative implementation manner provided in this embodiment, the transaction order is distributed to the second generation payment channel accessed by the second transaction service to perform the transaction payment processing of the transaction order, which is implemented in the following manner:

calculating deduction fund according to the transaction amount and the residual fund amount, and deducting allocated funds corresponding to the deduction fund amount from allocated funds of a second generation payment account of the second generation payment channel;

and combining the residual funds obtained by deduction and the allocated funds, and transferring the combined residual funds and the allocated funds into a merchant account of the merchant.

Specifically, under the condition that funds in the first generation payment account are insufficient to pay a transaction order, the first generation payment account deducts the residual funds corresponding to the residual funds, then takes the difference between the transaction amount and the residual funds as the deduction funds, and deducts the deduction funds corresponding to the deduction funds from the deduction funds of the second generation payment account of the second generation payment channel, namely, the first generation payment account and the second generation payment account are combined to pay the transaction order.

In a specific implementation process, if the user purchases the transaction commodity from the merchant based on the first transaction service, in an alternative implementation manner provided in this embodiment, the following manner is adopted to perform the shipping process on the transaction commodity:

And generating a delivery instruction of the transaction commodity of the transaction order and sending the delivery instruction to the merchant so as to carry out delivery processing of the transaction commodity according to the delivery instruction.

Further, if the user purchases the transaction service from the merchant based on the first transaction service, in an alternative implementation provided in this embodiment, the transaction service is processed in the following manner:

and generating an execution instruction of the transaction service of the transaction order and sending the execution instruction to the merchant so as to execute execution processing of the transaction service according to the execution instruction.

Step S208, under the condition that the payment replacing instruction of the transaction order is detected, payment replacing processing is carried out on the second payment replacing channel based on the user account of the user.

After the transaction order is distributed to the second payment channel accessed by the second transaction service to carry out transaction payment processing of the transaction order, the user needs to pay back the transaction order, specifically, the transaction amount corresponding to the transaction order is deducted in the user account through the transaction service and returned to the payment account corresponding to the transaction service. For example, after the user rents the charger, the user needs to pay the renting fee within a specified period, and after the user pays the charger provider, the charger provider returns the money to the payment account.

The deduction repayment processing in this embodiment refers to repayment processing of deducted amount, and after the trade order is processed by trade repayment through a payment channel accessed by trade service, the user needs to repay the amount generated by trade repayment processing. For example, if a trade order with a fee x is generated by a user and a merchant under a first trade service, the first generation payment channel accessed by the first trade service is used as a third party, the trade order with the fee x is paid instead, the payment is given instead of the fee x, and if a payment-instead instruction for paying for the payment is detected, the payment is given out by the user account for the payment x of the first generation payment channel.

In practical application, after a user purchases goods through a transaction service provided by a merchant or enjoys the merchant service, the transaction service initiates deduction repayment processing of goods cost or service cost to the user, that is, after the merchant performs transaction repayment processing on a transaction order of the user and the merchant through a payment channel accessed by the transaction service, the user initiates repayment processing of the transaction order, and in an optional implementation manner provided in this embodiment, the deduction repayment processing is performed on a second payment channel corresponding to the second transaction service based on a user account of the user, by adopting the following manner:

Opening account rights of the user to a guarantee mechanism of the guarantee channel so that the guarantee mechanism deducts money from the user account based on the account rights.

Specifically, under the condition that the second payment channel corresponding to the second transaction service is the guarantee channel, the account authority of the user is opened to the guarantee mechanism of the guarantee channel, so that under the condition that the payment instruction of the transaction order is detected, the guarantee mechanism deducts money from the user account based on the account authority.

In a specific implementation process, in the process of carrying out the deduction and repayment by splitting repayment funds, according to the situation that the first generation payment account and the second generation payment account are combined, the deduction and repayment process is carried out on the second generation payment channel based on the user account of the user in an alternative implementation manner, and the implementation manner is as follows:

performing fund deduction from the user account according to the transaction amount of the transaction order, and splitting funds obtained by fund deduction according to the residual fund amount and the deduction fund amount;

transferring split funds corresponding to the residual funds obtained by splitting to the first generation payment account;

Correspondingly, in the case that the payment instruction for the transaction order is detected, the method further comprises:

and transferring split funds corresponding to the deducted funds amount obtained by splitting to the second payment account.

Specifically, funds are deducted from a user account according to the transaction amount of the transaction order, funds obtained by deduction are split according to the residual funds and the deduction funds, split funds corresponding to the residual funds obtained by splitting are transferred to a first generation payment account, and correspondingly, under the condition that a deduction instruction of the transaction order is detected, split funds corresponding to the deduction funds obtained by splitting are transferred to a second generation payment account.

In the event that a payment instruction for the trade order is detected as described above, after executing the deduction and repayment processing step to the second generation payment channel based on the user account of the user, in an optional implementation manner provided in this embodiment, the method further includes: and after the deduction repayment processing is completed, thawing the frozen credit of the user.

In summary, in the transaction processing method provided in this embodiment, the transaction order of the user submitted by the first transaction service calling post-payment interface and the transaction order of the merchant are obtained, transaction substitution processing of the transaction order is performed based on the first generation payment channel accessed by the first transaction service, if the transaction substitution processing fails, the transaction order is distributed to the second generation payment channel accessed by the second transaction service to perform the transaction substitution processing of the transaction order, and in the case that the substitution payment instruction of the transaction order is detected, substitution payment processing is performed to the second generation payment channel based on the user account of the user, so that the transaction substitution processing of the transaction order is performed based on the two types of substitution payment channels, thereby reducing the payment pressure of the merchant and providing effective service for the user;

Further, according to the transaction amount of the transaction order, funds are deducted from the allocated funds of the second generation payment account of the second generation payment channel, before the allocated funds obtained by the funds deduction are transferred to the merchant account of the merchant, whether the transaction amount exceeds the available allocation proportion of the allocated funds is detected, and under the condition that the transaction amount exceeds the available allocation proportion of the allocated funds, the transaction order is distributed to the third generation payment channel accessed by the third transaction service to conduct transaction payment processing of the transaction order, so that the transaction payment processing is ensured to be successful, and the service risk of the merchant is reduced.

The following describes a transaction processing method provided in this embodiment with reference to fig. 3 by taking an application of the transaction processing method provided in this embodiment to a first post-payment scenario as an example, and referring to fig. 3, the transaction processing method applied to the first post-payment scenario specifically includes the following steps.

Step S302, a transaction order of a transaction service submitted by a post-payment service calling post-payment interface is acquired.

Step S304, carrying out credit freezing processing on the credit limit of the user according to the transaction amount of the transaction order.

In step S306, funds are deducted from the escrow account of the internet bank of the post-paid service according to the transaction amount of the transaction order, and the funds obtained by the funds deduction are transferred into the merchant account of the merchant.

Step S308, detecting whether the transaction amount exceeds the available transfer proportion of the transfer funds;

if yes, distributing the trade order to an online bank which uses the delay payment service to conduct trade substitution processing of the trade order.

If not, the following steps S310 to S314 are performed.

Step S310, according to the transaction amount of the transaction order, the funds are deducted from the allocated funds of the insurance account of the protection channel, and the allocated funds obtained by the funds deduction are transferred into the merchant account of the merchant.

Step S312, the account authority of the user is opened to the guarantee mechanism of the guarantee channel, so that the guarantee mechanism deducts money from the user account based on the account authority.

Step S314, thawing the frozen credit of the credit line of the user.

The following describes the transaction processing method provided in this embodiment with reference to fig. 4 by taking an application of the transaction processing method provided in this embodiment to the second post-payment scenario as an example, and referring to fig. 4, the transaction processing method applied to the second post-payment scenario specifically includes the following steps.

Step S402, obtaining a purchase order of a transaction commodity submitted by a post-paid interface called by a post-paid service.

Step S404, if the order amount of the purchase order is larger than the residual fund amount of the balance account of the post-sharing service, deducting the residual fund corresponding to the residual fund amount from the balance account.

Step S406, calculating deduction fund according to the order amount and the residual fund amount, and deducting the allocated fund corresponding to the deduction fund amount from the allocated fund of the guaranteeing account of the guaranteeing channel.

Step S408, the remaining funds obtained by deduction and the allocated funds are combined and transferred into a merchant account of the merchant.

Step S410, generating and sending a delivery instruction of the transaction commodity of the purchase order to the merchant so as to perform delivery processing of the transaction commodity according to the delivery instruction.

In step S412, funds are deducted from the user account according to the order amount of the purchase order, and the funds obtained by the funds deduction are split according to the remaining amount of funds and the deduction amount of funds.

And step S414, transferring split funds corresponding to the residual funds obtained by splitting into balance accounts.

And S416, transferring split funds corresponding to the deduction funds obtained by splitting into the guarantee account.

An embodiment of a transaction processing device provided in the present specification is as follows:

in the above-described embodiments, a transaction processing method and a transaction processing apparatus corresponding thereto are provided, and the following description is made with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of a transaction processing device according to the present embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a transaction processing apparatus including:

a trade order acquisition module 502 configured to acquire a trade order with a merchant for a user submitted by a first trade service invoking post-payment interface;

a transaction payment processing module 504 configured to perform transaction payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service;

if the transaction payment processing fails, running a transaction order distribution module 506, wherein the transaction order distribution module 506 is configured to distribute the transaction order to a second payment channel accessed by a second transaction service to perform the transaction payment processing of the transaction order;

in the event that a payment-by-payment instruction for the transaction order is detected, running a payment-by-payment module 508, the payment-by-payment module 508 configured to perform a payment-by-payment process to the second payment channel based on the user account of the user

An embodiment of a transaction processing device provided in the present specification is as follows:

In correspondence to a transaction processing method described above, one or more embodiments of the present disclosure further provide a transaction processing device for executing the transaction processing method provided above, and fig. 6 is a schematic structural diagram of a transaction processing device provided in one or more embodiments of the present disclosure, based on the same technical concept.

The transaction processing device provided in this embodiment includes:

as shown in fig. 6, the transaction processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, where the memory 602 may store one or more storage applications or data. Wherein the memory 602 may be transient storage or persistent storage. The application program stored in the memory 602 may include one or more modules (not shown), each of which may include a series of computer executable instructions in the transaction processing device. Still further, the processor 601 may be arranged to communicate with the memory 602 and execute a series of computer executable instructions in the memory 602 on the transaction processing device. The transaction processing device may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input/output interfaces 605, one or more keyboards 606, and the like.

In a particular embodiment, a transaction processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the transaction processing device, and configured to be executed by one or more processors, the one or more programs comprising computer-executable instructions for:

acquiring a transaction order of a user and a merchant submitted by a first transaction service calling postpayment interface;

carrying out transaction substitution payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service;

if the transaction payment replacing processing fails, distributing the transaction order to a second payment replacing channel accessed by a second transaction service to conduct the transaction payment replacing processing of the transaction order;

and under the condition that the payment replacing instruction of the transaction order is detected, performing payment replacing processing on the second payment replacing channel based on the user account of the user.

An embodiment of a storage medium provided in the present specification is as follows:

Corresponding to the transaction processing method described above, one or more embodiments of the present disclosure further provide a storage medium based on the same technical concept.

The storage medium provided in this embodiment is configured to store computer executable instructions that, when executed by a processor, implement the following flow:

acquiring a transaction order of a user and a merchant submitted by a first transaction service calling postpayment interface;

carrying out transaction substitution payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service;

if the transaction payment replacing processing fails, distributing the transaction order to a second payment replacing channel accessed by a second transaction service to conduct the transaction payment replacing processing of the transaction order;

and under the condition that the payment replacing instruction of the transaction order is detected, performing payment replacing processing on the second payment replacing channel based on the user account of the user.

It should be noted that, in the present specification, an embodiment of a storage medium and an embodiment of a transaction processing method in the present specification are based on the same inventive concept, so that a specific implementation of the embodiment may refer to implementation of the foregoing corresponding method, and repeated descriptions are omitted.

In this specification, each embodiment is described in a progressive manner, and the same or similar parts of each embodiment are referred to each other, and each embodiment focuses on the differences from other embodiments, for example, an apparatus embodiment, and a storage medium embodiment, which are all similar to a method embodiment, so that description is relatively simple, and relevant content in reading apparatus embodiments, and storage medium embodiments is referred to the part description of the method embodiment.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Design users almost always get corresponding hardware circuit structures by programming improved method flows into the hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A digital system is "integrated" on a PLD by the design user's own programming without requiring the chip manufacturer to design and fabricate application specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, rather than implementing the controller in pure computer readable program code, the same functions may be implemented entirely by logic programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

One or more embodiments of the present description may be provided as a method, system, or computer program product, as will be appreciated by those skilled in the art. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. 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 apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, 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.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus 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 apparatus. 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 apparatus that comprises the element.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may be made to this document by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims (15)

1. A transaction processing method, comprising:

acquiring a transaction order of a user and a merchant submitted by a first transaction service calling postpayment interface;

carrying out transaction substitution payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service;

if the transaction payment replacing processing fails, distributing the transaction order to a second payment replacing channel accessed by a second transaction service to conduct the transaction payment replacing processing of the transaction order;

and under the condition that the payment replacing instruction of the transaction order is detected, performing payment replacing processing on the second payment replacing channel based on the user account of the user.

2. The transaction processing method of claim 1, the transaction-instead-of-payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service, comprising:

And performing fund deduction on a first generation payment account of the first generation payment channel according to the transaction amount of the transaction order, and transferring the fund obtained by the fund deduction into a merchant account of the merchant.

3. The transaction processing method of claim 1, the assigning the transaction order to a second generation payment channel of a second transaction service access for transaction generation processing of the transaction order, comprising:

and according to the transaction amount of the transaction order, performing fund deduction in the transferred funds of the second generation payment account of the second generation payment channel, and transferring the transferred funds obtained by the fund deduction into the merchant account of the merchant.

4. A transaction processing method according to claim 3, wherein said sub-step of deducting funds from allocated funds of a second generation payment account of said second generation payment channel in accordance with the transaction amount of said transaction order and transferring the transferred funds obtained by the deduction of funds to a merchant account of said merchant is performed further comprises:

detecting whether the transaction amount exceeds an available transfer proportion of the transfer funds;

if yes, distributing the trade order to a third generation payment channel accessed by a third trade service to conduct trade substitution processing of the trade order;

If not, executing the next step.

5. The transaction processing method of claim 1, the assigning the transaction order to a second generation payment channel of a second transaction service access for transaction generation processing of the transaction order, comprising:

invoking a guarantee interface of a guarantee service to submit a guarantee participation application of the trade order so as to perform guarantee participation processing on the trade order;

and invoking the guarantee interface to submit a guarantee payment request of the transaction order so as to deduct funds from the guarantee payment funds of the guarantee account of the guarantee channel, and transferring the guarantee funds obtained by deduction of the funds into the merchant account of the merchant.

6. The transaction processing method according to claim 5, wherein the deduction repayment processing to the second generation payment channel based on the user account of the user includes:

opening account rights of the user to a guarantee mechanism of the guarantee channel so that the guarantee mechanism deducts money from the user account based on the account rights.

7. The transaction processing method of claim 1, the transaction-instead-of-payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service, comprising:

If the transaction amount of the transaction order is larger than the residual fund amount of the first generation payment account, deducting the residual fund corresponding to the residual fund amount from the first generation payment account;

correspondingly, the transaction payment processing of the transaction order is carried out through the second payment channel for distributing the transaction order to the second transaction service access, and the transaction payment processing comprises the following steps:

calculating deduction fund according to the transaction amount and the residual fund amount, and deducting allocated funds corresponding to the deduction fund amount from allocated funds of a second generation payment account of the second generation payment channel;

and combining the residual funds obtained by deduction and the allocated funds, and transferring the combined residual funds and the allocated funds into a merchant account of the merchant.

8. The transaction processing method according to claim 7, the performing a deduction repayment process to the second generation payment channel based on a user account of the user, comprising:

performing fund deduction from the user account according to the transaction amount of the transaction order, and splitting funds obtained by fund deduction according to the residual fund amount and the deduction fund amount;

transferring split funds corresponding to the residual funds obtained by splitting to the first generation payment account;

Correspondingly, in the case that the payment instruction for the transaction order is detected, the method further comprises:

and transferring split funds corresponding to the deducted funds amount obtained by splitting to the second payment account.

9. The transaction processing method of claim 1, the second generation payment channel being determined by:

determining a target payment channel in the payment channels of each transaction service according to the available allocation proportion of the payment accounts of the payment channels accessed by each transaction service, and determining the target payment channel as the second payment channel;

or alternatively, the process may be performed,

and selecting a payment channel matched with the order type and/or the object type from payment channels accessed by each transaction service as the second payment channel according to the order type of the transaction order and/or the object type of the transaction object of the transaction order.

10. The transaction processing method of claim 1, the second generation payment channel being determined by:

determining the payment priority of the payment channel accessed by each transaction service according to the configuration information of the payment channel accessed by each transaction service;

And selecting a payment channel with a payment priority lower than that of the first generation payment channel from the payment channels accessed by the transaction services as the second generation payment channel.

11. The transaction processing method according to claim 1, after the step of obtaining the transaction order of the user and the merchant submitted by the post-payment interface of the first transaction service call is performed, and before the step of performing the transaction payment processing of the transaction order based on the first generation payment channel accessed by the first transaction service is performed, further comprising:

performing credit freezing processing on the credit limit of the user according to the transaction amount of the transaction order;

correspondingly, when the payment instruction of the transaction order is detected, after the payment processing step is executed to the second payment channel based on the user account of the user, the method further comprises:

and after the deduction repayment processing is completed, thawing the frozen credit of the user.

12. The transaction processing method according to claim 1, after the step of obtaining the transaction order of the user and the merchant submitted by the first transaction service call post-payment interface is performed, and before the step of performing the deduction payment processing to the second generation payment channel based on the user account of the user if the deduction payment instruction of the transaction order is detected, further comprising:

Generating a delivery instruction of the transaction commodity of the transaction order and sending the delivery instruction to the merchant so as to carry out delivery processing of the transaction commodity according to the delivery instruction;

or alternatively, the process may be performed,

and generating an execution instruction of the transaction service of the transaction order and sending the execution instruction to the merchant so as to execute execution processing of the transaction service according to the execution instruction.

13. A transaction processing device, comprising:

the transaction order acquisition module is configured to acquire a transaction order between a user and a merchant submitted by a first transaction service calling postpayment interface;

a transaction payment processing module configured to perform transaction payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service;

if the transaction payment replacing processing fails, a transaction order distributing module is operated, and the transaction order distributing module is configured to distribute the transaction order to a second payment replacing channel accessed by a second transaction service to conduct transaction payment replacing processing of the transaction order;

and under the condition that the payment replacing instruction of the transaction order is detected, operating a payment replacing and deducting module, wherein the payment replacing and deducting module is configured to carry out payment replacing and deducting processing on the second payment channel based on the user account of the user.

14. A transaction processing device, comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

acquiring a transaction order of a user and a merchant submitted by a first transaction service calling postpayment interface;

carrying out transaction substitution payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service;

if the transaction payment replacing processing fails, distributing the transaction order to a second payment replacing channel accessed by a second transaction service to conduct the transaction payment replacing processing of the transaction order;

and under the condition that the payment replacing instruction of the transaction order is detected, performing payment replacing processing on the second payment replacing channel based on the user account of the user.

15. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

acquiring a transaction order of a user and a merchant submitted by a first transaction service calling postpayment interface;

carrying out transaction substitution payment processing of the transaction order based on a first generation payment channel accessed by the first transaction service;

If the transaction payment replacing processing fails, distributing the transaction order to a second payment replacing channel accessed by a second transaction service to conduct the transaction payment replacing processing of the transaction order;

and under the condition that the payment replacing instruction of the transaction order is detected, performing payment replacing processing on the second payment replacing channel based on the user account of the user.