TWI700655B - Numerical processing method and device - Google Patents
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Abstract
本發明提供一種數值處理方法及裝置。方法包括:向規則維護中心發送規則請求消息;接收規則維護中心根據規則請求消息返回的目標轉換規則;根據目標轉換規則進行數值轉換處理。本發明可以降低業務系統的處理負擔,提高業務處理效率。 The invention provides a numerical processing method and device. The method includes: sending a rule request message to the rule maintenance center; receiving the target conversion rule returned by the rule maintenance center according to the rule request message; and performing numerical conversion processing according to the target conversion rule. The invention can reduce the processing burden of the business system and improve the business processing efficiency.
Description
本發明關於網際網路技術領域,尤其關於一種數值處理方法及裝置。 The present invention relates to the field of Internet technology, in particular to a numerical processing method and device.
在實際應用中,業務系統往往會關於一些特殊數值,需要對這些數值進行轉換處理。例如,在關於到多幣種的支付清算以及退放款業務場景中,經常需要進行匯兌操作。 In practical applications, business systems often deal with some special values, which need to be converted. For example, in the business scenario of payment and settlement and refund of loans in multiple currencies, remittance operations are often required.
一般來說,數值轉換處理屬於業務處理的一部分,所以業務系統會維護一套或多套實現數值轉換的轉換規則,當需要進行數值處理時,業務系統按照所維護的轉換規則進行數值轉換。其中,維護轉換規則需要消耗業務系統的資源,增加業務系統的負擔,影響業務處理效率。 Generally speaking, value conversion processing is a part of business processing, so the business system will maintain one or more sets of conversion rules for realizing value conversion. When numerical processing is needed, the business system performs the value conversion according to the maintained conversion rules. Among them, maintaining the conversion rules needs to consume the resources of the business system, increase the burden of the business system, and affect the efficiency of business processing.
本發明的多個方面提供一種數值處理方法及裝置,用以降低業務系統的處理負擔,提高業務處理效率。 Various aspects of the present invention provide a numerical processing method and device to reduce the processing burden of a business system and improve business processing efficiency.
本發明的一方面,提供一種數值處理方法,包括: 向規則維護中心發送規則請求消息;接收所述規則維護中心根據所述規則請求消息返回的目標轉換規則;根據所述目標轉換規則進行數值轉換處理。 One aspect of the present invention provides a numerical processing method, including: Send a rule request message to the rule maintenance center; receive the target conversion rule returned by the rule maintenance center according to the rule request message; perform numerical conversion processing according to the target conversion rule.
本發明的另一方面,提供一種數值處理裝置,包括:發送模組,用於向規則維護中心發送規則請求消息;接收模組,用於接收所述規則維護中心根據所述規則請求消息返回的目標轉換規則;轉換處理模組,用於根據所述目標轉換規則進行數值轉換處理。 In another aspect of the present invention, there is provided a numerical processing device, which includes: a sending module for sending a rule request message to a rule maintenance center; a receiving module for receiving a return from the rule maintenance center according to the rule request message Target conversion rule; conversion processing module for performing numerical conversion processing according to the target conversion rule.
在本發明中,通過規則維護中心統一維護轉換規則,當需要進行數值轉換處理時,向規則維護中心發送規則請求消息,接收規則維護中心根據規則請求消息返回的目標轉換規則,根據接收到的目標轉換規則進行數值轉換處理。由於將轉換規則的維護從業務系統剝離出去,由規則維護中心統一進行管理,減輕了業務系統的處理負擔,有利於提高業務系統的業務處理效率。 In the present invention, the conversion rules are uniformly maintained by the rule maintenance center. When the value conversion processing is required, a rule request message is sent to the rule maintenance center, and the target conversion rule returned by the rule maintenance center according to the rule request message is received, and according to the received target The conversion rule performs numerical conversion processing. Since the maintenance of the conversion rules is separated from the business system and managed by the rules maintenance center, the processing burden of the business system is reduced and the business processing efficiency of the business system is improved.
101‧‧‧步驟 101‧‧‧Step
102‧‧‧步驟 102‧‧‧Step
103‧‧‧步驟 103‧‧‧Step
21‧‧‧發送模組 21‧‧‧Send module
22‧‧‧接收模組 22‧‧‧Receiving Module
23‧‧‧轉換處理模組 23‧‧‧Conversion processing module
為了更清楚地說明本發明實施例中的技術方案,下面將對實施例或現有技術描述中所需要使用的附圖作一簡單地介紹,顯而易見地,下面描述中的附圖是本發明的一些實施例,對於本領域普通技術人員來講,在不付出創造性勞動性的前提下,還可以根據這些附圖獲得其他的附圖。 In order to explain the technical solutions in the embodiments of the present invention more clearly, the following will briefly introduce the drawings needed in the description of the embodiments or the prior art. Obviously, the drawings in the following description are some of the present invention. Embodiments, for those of ordinary skill in the art, without creative labor, other drawings can be obtained from these drawings.
圖1為本發明一實施例提供的數值處理方法的流程示意圖;圖2為本發明一實施例提供的數值處理裝置的結構示意圖。 FIG. 1 is a schematic flowchart of a numerical processing method provided by an embodiment of the present invention; FIG. 2 is a schematic structural diagram of a numerical processing apparatus provided by an embodiment of the present invention.
為使本發明實施例的目的、技術方案和優點更加清楚,下面將結合本發明實施例中的附圖,對本發明實施例中的技術方案進行清楚、完整地描述,顯然,所描述的實施例是本發明一部分實施例,而不是全部的實施例。基於本發明中的實施例,本領域普通技術人員在沒有作出創造性勞動前提下所獲得的所有其他實施例,都屬於本發明保護的範圍。 In order to make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be described clearly and completely in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of the embodiments of the present invention, not all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.
圖1為本發明一實施例提供的數值處理方法的流程示意圖。如圖1所示,該方法包括: FIG. 1 is a schematic flowchart of a numerical processing method provided by an embodiment of the present invention. As shown in Figure 1, the method includes:
101、向規則維護中心發送規則請求消息。 101. Send a rule request message to the rule maintenance center.
102、接收規則維護中心根據規則請求消息返回的目標轉換規則。 102. Receive the target conversion rule returned by the rule maintenance center according to the rule request message.
103、根據目標轉換規則進行數值轉換處理。 103. Perform numerical conversion processing according to the target conversion rule.
本實施例提供一種數值處理方法,可由數值處理裝置來執行。數值處理裝置可以是各種業務系統中負責進行數值轉換處理的模組或部分,主要用於執行本實施例提供的方法流程完成數值轉換處理。 This embodiment provides a numerical processing method, which can be executed by a numerical processing device. The numerical processing device may be a module or part responsible for numerical conversion processing in various business systems, and is mainly used to execute the method flow provided in this embodiment to complete the numerical conversion processing.
在本實施例中,通過規則維護中心統一維護和管理轉 換規則。數值處理裝置需要進行數值轉換處理時,向規則維護中心發送規則請求消息,用以請求所需的轉換規則。規則維護中心接收數值處理裝置發送的規則請求消息,根據規則請求消息從所維護的至少一套轉換規則中,確定數值處理裝置所需的轉換規則。為便於描述,將數值處理裝置所需的轉換規則稱為目標轉換規則,規則維護中心在確定目標轉換規則之後,將目標轉換規則返回給數值處理裝置。數值處理裝置接收規則維護中心根據規則請求消息返回的目標轉換規則,根據該目標轉換規則進行數值轉換處理。 In this embodiment, the unified maintenance and management transfer is performed through the rule maintenance center. Change the rules. When the numerical processing device needs to perform numerical conversion processing, it sends a rule request message to the rule maintenance center to request the required conversion rule. The rule maintenance center receives the rule request message sent by the numerical processing device, and determines the conversion rule required by the numerical processing device from at least one set of maintained conversion rules according to the rule request message. For ease of description, the conversion rule required by the numerical processing device is called the target conversion rule. After determining the target conversion rule, the rule maintenance center returns the target conversion rule to the numerical processing device. The numerical processing device receives the target conversion rule returned by the rule maintenance center according to the rule request message, and performs numerical conversion processing according to the target conversion rule.
進一步,數值處理裝置還可以根據數值轉換處理後的數值開展業務。 Further, the numerical processing device can also carry out business based on the numerical value after numerical conversion processing.
值得說明的是,上述數值轉換處理可以是任意需要依賴一定轉換規則的數值轉換處理,例如可以將long型數值轉換為int型數值,或者將二進位數字值轉換為十進位數字值,或者將數值由美元幣種轉換成人民幣幣種,等等。 It is worth noting that the above-mentioned numerical conversion processing can be any numerical conversion processing that depends on certain conversion rules. For example, a long type value can be converted into an int type value, or a binary number value can be converted into a decimal number value, or a value can be converted Convert from USD currency to RMB currency, etc.
值得說明的是,根據業務場景以及業務類型的不同,上述數值轉換處理的流程會有所不同,所需的轉換規則也不相同。對規則維護中心來說,針對不同業務場景以及不同業務類型,分別維護不同的轉換規則。基於此,上述規則請求消息包括:業務場景和業務類型。 It is worth noting that, according to different business scenarios and business types, the above-mentioned numerical conversion processing process will be different, and the required conversion rules will be different. For the rule maintenance center, it maintains different conversion rules for different business scenarios and different business types. Based on this, the foregoing rule request message includes: business scenarios and business types.
基於上述,規則維護中心接收到規則請求消息後,可以對規則請求消息進行解析,從中獲取業務場景和業務類 型;根據業務場景和業務類型,從所維護的至少一套轉換規則中,獲取與該業務場景和業務類型匹配的轉換規則作為目標轉換規則,並返回目標轉換規則。對數值處理裝置來說,在發送規則請求消息後,接收規則維護中心返回的與業務場景和業務類型匹配的目標轉換規則。 Based on the above, after receiving the rule request message, the rule maintenance center can parse the rule request message to obtain business scenarios and business classes from it. Type: According to the business scenario and business type, from at least one set of maintained conversion rules, obtain the conversion rule matching the business scenario and business type as the target conversion rule, and return the target conversion rule. For the numerical processing device, after sending the rule request message, it receives the target conversion rule matching the business scenario and business type returned by the rule maintenance center.
由上述可見,本實施例通過規則維護中心統一維護和管理轉換規則,當需要進行數值轉換處理時,向規則維護中心發送規則請求消息,接收規則維護中心根據規則請求消息返回的目標轉換規則,根據接收到的目標轉換規則進行數值轉換處理。由於將轉換規則的維護從業務系統剝離出去,由規則維護中心統一進行管理,減輕了業務系統的處理負擔,有利於提高業務系統的業務處理效率。 It can be seen from the above that in this embodiment, the rule maintenance center maintains and manages the conversion rules in a unified manner. When a value conversion process is required, the rule request message is sent to the rule maintenance center, and the target conversion rule returned by the rule maintenance center according to the rule request message is received. The received target conversion rule performs numerical conversion processing. Since the maintenance of the conversion rules is separated from the business system and managed by the rules maintenance center, the processing burden of the business system is reduced and the business processing efficiency of the business system is improved.
在關於到多幣種的支付清算以及退放款等場景下,經常需要進行匯兌操作。以目前國際支付接入的農行CyberSource管道為例說明:當買家通過CyberSource管道進行支付時,買家實際支付的是美元,支付寶做擔保交易,而最終CybserSource管道清算給支付寶的是按照對應的匯率清算出的人民幣,交易完成後,支付寶將對應的人民幣金額放款給賣家。這裡的匯兌過程是指從美元匯兌成人民幣,在該過程中,支付寶不僅做了擔保交易,同時做了匯兌操作,也就是關於匯兌記帳動作。匯兌操作是一種具體的數值轉換處理,下面以匯兌操作為例,對本發明技術方案做詳細說明。下面流程的執行主體可以是業務系統,但不限於此。 In scenarios such as payment and settlement of multiple currencies and refunds of loans, remittance operations are often required. Take the current Agricultural Bank of China’s CyberSource channel for international payment access as an example: when a buyer makes a payment through the CyberSource channel, the buyer actually pays in US dollars, and Alipay makes a secured transaction, and the final CybserSource channel liquidation to Alipay is based on the corresponding exchange rate. After the cleared RMB, Alipay will lend the corresponding RMB amount to the seller after the transaction is completed. The exchange process here refers to the exchange from the U.S. dollar to the renminbi. In this process, Alipay not only does a secured transaction, but also performs an exchange operation, that is, the exchange accounting action. The exchange operation is a specific value conversion process. The following takes the exchange operation as an example to describe the technical scheme of the present invention in detail. The execution subject of the following process can be a business system, but is not limited to this.
在三方支付系統中,關於到匯兌操作的場景主要包括:支付場景,退款場景和拒付場景。拒付場景是指由非法用戶已經支付成功,但信用卡或支付帳戶等的持有用戶拒付承認該筆支付的情況。 In the three-party payment system, the scenes about the exchange operation mainly include: payment scene, refund scene and chargeback scene. A chargeback scenario refers to a situation where an illegal user has successfully paid, but the holder of a credit card or payment account refuses to accept the payment.
在本發明中,將匯兌操作分為兩種類型,一種是業務匯兌,一種是資金匯兌。一個完整的匯兌操作必須包含業務匯兌和資金匯兌兩步。任何只完成一部分的匯兌都可以通過核對邏輯核對出來。資金匯兌主要發生在業務系統與三方金融機構的對賬過程中的。業務匯兌主要發生在業務系統根據使用者發起的使用者操作進行相應處理的過程中。用戶發起的用戶操作包括用戶在商戶網站發出的支付請求,或者用戶在商戶網站發起的退款申請,或者用戶在發卡行發起的拒付申請等。 In the present invention, exchange operations are divided into two types, one is business exchange and the other is fund exchange. A complete exchange operation must include two steps: business exchange and capital exchange. Any exchange that is only partially completed can be verified through the verification logic. Funds exchange mainly occurs in the process of reconciliation between the business system and three-party financial institutions. Business exchange mainly occurs in the process of corresponding processing by the business system based on user operations initiated by users. User operations initiated by the user include a payment request issued by the user on the merchant website, or a refund request initiated by the user on the merchant website, or a refund request initiated by the user on the issuing bank.
例如,在具體的支付場景中,當業務系統接收到使用者通過商戶網站發出的支付請求時,確定需要從使用者帳戶中扣除相應的支付金額,通知三方金融管道從用戶帳戶扣除支付金額到本業務系統(例如支付寶)的待清算帳戶中並返回支付清算結果,當接收到三方金融管道返回的支付清算結果時,可以確定是否需要進行匯兌操作,例如當用戶支付的幣種與三方金融機構清算使用的幣種不一樣,就需要進行匯兌操作。此時,業務系統向規則維護中心發送規則請求消息,該規則請求消息中的業務場景為支付場景,相應的,該規則請求消息中的業務類型所指示的匯兌操作包括:資金匯兌和業務匯兌。 For example, in a specific payment scenario, when the business system receives a payment request sent by the user through the merchant website, it determines that the corresponding payment amount needs to be deducted from the user’s account, and informs the three-party financial channel to deduct the payment amount from the user’s account to the account. The payment settlement result is returned in the pending settlement account of the business system (such as Alipay). When the payment settlement result returned by the three-party financial channel is received, it can be determined whether a remittance operation is required, for example, when the user's payment currency is cleared with a third-party financial institution If the currency used is different, the exchange operation is required. At this time, the business system sends a rule request message to the rule maintenance center. The business scenario in the rule request message is a payment scenario. Correspondingly, the exchange operation indicated by the business type in the rule request message includes: fund exchange and business exchange.
規則維護中心接收業務系統發送的規則請求消息,對規則請求消息進行解析,獲知業務系統請求與支付場景中的資金匯兌和業務匯兌匹配的轉換規則,從所維護的至少一套轉換規則中,確定與支付場景中的資金匯兌和業務匯兌匹配的目標轉換規則,將目標轉換規則返回給業務系統。相應的,這裡的目標轉換規則包括:支付場景中,資金匯兌關於的帳戶和匯兌邏輯,及業務匯兌關於的帳戶和匯兌邏輯。 The rule maintenance center receives the rule request message sent by the business system, parses the rule request message, learns the conversion rule matching the business system request with the fund exchange and business exchange in the payment scenario, and determines from at least one set of conversion rules maintained The target conversion rule that matches the fund exchange and business exchange in the payment scenario returns the target conversion rule to the business system. Correspondingly, the target conversion rules here include: in the payment scenario, the account and exchange logic related to fund exchange, and the account and exchange logic related to business exchange.
基於此,業務系統根據目標轉換規則進行數值轉換處理為:根據資金匯兌關於的帳戶和匯兌邏輯進行資金匯兌處理,並根據業務匯兌關於的帳戶和匯兌邏輯進行業務匯兌處理。具體的,業務系統根據該支付清算結果進行對賬處理,即將三方金融管道返回的扣款明細與業務系統記錄的扣款明細進行比對(即資金匯兌過程);若兩個明細比對結果為一致,則確定對賬成功,表示已經收到用戶的錢,該筆支付沒有問題,通知商戶發貨,並根據當前匯率,將支付金額從第一幣種轉換成第二幣種(例如從美元兌換成人民幣),並將業務匯兌關於的帳戶(例如包括過渡帳戶和商戶帳戶)中的金額做相應數值的扣減或增加(即業務匯兌過程)。 Based on this, the business system performs value conversion processing according to the target conversion rule as follows: fund exchange processing according to the account and exchange logic related to fund exchange, and business exchange processing according to the account and exchange logic related to business exchange. Specifically, the business system performs reconciliation processing based on the payment settlement result, that is, compares the deduction details returned by the three-party financial pipeline with the deduction details recorded by the business system (ie, the fund exchange process); if the comparison result of the two details is If consistent, the reconciliation is determined to be successful, indicating that the user’s money has been received, the payment is no problem, the merchant is notified to ship the goods, and the payment amount is converted from the first currency to the second currency according to the current exchange rate (for example, from USD Convert into RMB), and deduct or increase the amount in the accounts related to the business exchange (for example, including the transition account and the merchant account) (that is, the business exchange process).
資金匯兌關於的帳戶包括待清算帳戶,在支付場景中主要是指充值待清算帳戶。待清算的概念是三方金融機構承認收到了用戶發起的一筆充值操作,但是由於各種原因三方金融機構還沒有將錢轉帳到本業務系統(例如支付 寶)的備付金帳戶中。一個原因是系統處理和實際的轉帳時間之間有時間差,另外一個原因是三方金融機構是通過其他銀行轉帳到備付金帳戶,其他銀行轉帳也需要處理時間。 Accounts related to fund remittance include accounts to be cleared, and in payment scenarios, they mainly refer to accounts to be cleared for recharge. The concept of pending liquidation is that the three-party financial institution acknowledges that it has received a recharge operation initiated by the user, but due to various reasons, the three-party financial institution has not transferred the money to the business system (such as payment Bao)’s reserve account. One reason is that there is a time difference between the system processing and the actual transfer time. Another reason is that the third-party financial institutions transfer funds to the reserve account through other banks, and other bank transfers also require processing time.
業務匯兌關於的帳戶包括過渡帳戶,主要是指與商戶帳戶幣種相同的過渡帳戶,例如美元過渡帳戶。 Accounts related to business remittance include transitional accounts, which mainly refer to transitional accounts that have the same currency as the merchant account, such as U.S. dollar transitional accounts.
例如,在具體的退款場景中,以售後退款為例,當業務系統接收到使用者通過商戶網站發出的退款請求時,確定需要從商戶帳戶中扣款並將所扣款返回至用戶帳戶,此時若關於到兩種不同幣種,則確定需要進行匯兌操作。當需要進行匯兌操作時,業務系統向規則維護中心發送規則請求消息,該規則請求消息中的業務場景為退款場景,相應的,該規則請求消息中的業務類型所指示的匯兌操作包括:資金匯兌和業務匯兌。 For example, in a specific refund scenario, taking the after-sale refund as an example, when the business system receives a refund request sent by the user through the merchant website, it determines that the payment needs to be deducted from the merchant’s account and returns the deducted payment to For the user account, if it is related to two different currencies at this time, it is determined that an exchange operation is required. When an exchange operation is required, the business system sends a rule request message to the rule maintenance center. The business scenario in the rule request message is a refund scenario. Correspondingly, the exchange operation indicated by the business type in the rule request message includes: funds Exchange and business exchange.
規則維護中心接收業務系統發送的規則請求消息,對規則請求消息進行解析,獲知業務系統請求與退款場景中的資金匯兌和業務匯兌匹配的轉換規則,從所維護的至少一套轉換規則中,確定與退款場景中的資金匯兌和業務匯兌匹配的目標轉換規則,將目標轉換規則返回給業務系統。相應的,這裡的目標轉換規則包括:退款場景中,資金匯兌關於的帳戶和匯兌邏輯,及業務匯兌關於的帳戶和匯兌邏輯。 The rule maintenance center receives the rule request message sent by the business system, parses the rule request message, and learns the conversion rules that match the business system request with the fund exchange and business exchange in the refund scenario. From at least one set of conversion rules maintained, Determine the target conversion rule that matches the fund exchange and business exchange in the refund scenario, and return the target conversion rule to the business system. Correspondingly, the target conversion rules here include: in the refund scenario, the account and exchange logic related to fund exchange, and the account and exchange logic related to business exchange.
基於此,業務系統根據目標轉換規則進行數值轉換處理為:根據資金匯兌關於的帳戶和匯兌邏輯進行資金匯兌 處理,並根據業務匯兌關於的帳戶和匯兌邏輯進行業務匯兌處理。具體的,從商戶帳戶中轉相應退款金額到本業務系統(例如支付寶)的第一幣種的退款過渡帳戶中,將退款金額從第一幣種轉換為第二幣種,再將第二幣種的退款金額從第一幣種的退款過度帳戶中轉到第二幣種的退款過度帳戶中,再將第二幣種的退款過渡帳戶中的退款金額轉入用戶帳戶中,用戶帳戶是第二幣種的帳戶,完成業務匯兌流程。此時,退款流程尚未完結,因為給用戶的退款金額是從第二幣種的退款過渡帳戶中直接轉到用戶帳戶的,實際上將退款金額從商家帳戶轉到第一幣種的退款過渡帳戶中需要一個清算過程,即只有在接收到三方金融結構返回的清算結果,獲知已經從商戶帳戶中扣除退款金額並轉到第一幣種的退款過渡帳戶中,然後進行對賬,即將三方金融管道返回的扣款明細與業務系統記錄的退款明細進行比對,當比對結果一致時,確定對賬成功,此時整個退款流程才結束,該清算過程即為退款的資金匯兌流程。 Based on this, the business system performs numerical conversion processing according to the target conversion rules as follows: fund exchange according to the account and exchange logic of fund exchange Handle, and perform business exchange processing according to the account and exchange logic related to business exchange. Specifically, transfer the corresponding refund amount from the merchant account to the refund transition account of the first currency of the business system (such as Alipay), convert the refund amount from the first currency to the second currency, and then transfer The refund amount in the second currency is transferred from the refund transition account in the first currency to the refund transition account in the second currency, and the refund amount in the refund transition account in the second currency is transferred to Among the user accounts, the user account is an account in the second currency, and the business remittance process is completed. At this time, the refund process has not yet been completed, because the refund amount to the user is directly transferred from the refund transition account in the second currency to the user account, and the refund amount is actually transferred from the merchant account to the first currency The refund transition account requires a clearing process, that is, only after receiving the clearing result returned by the three-party financial structure, it is known that the refund amount has been deducted from the merchant account and transferred to the refund transition account of the first currency, and then proceed Reconciliation, that is, compare the deduction details returned by the three-party financial channel with the refund details recorded in the business system. When the comparison results are consistent, it is determined that the reconciliation is successful. At this time, the entire refund process ends, and the clearing process is The fund exchange process for refunds.
資金匯兌關於的帳戶包括待清算帳戶,在退款場景中主要是指退款待清算帳戶等。業務匯兌關於的帳戶包括過渡帳戶,在支付場景中主要是指第一幣種的過渡帳戶、第二幣種的過渡帳戶。 The accounts related to fund remittance include accounts to be cleared, and in the refund scenario, they mainly refer to accounts to be cleared for refunds. Accounts related to business remittance include transitional accounts, which in payment scenarios mainly refer to transitional accounts in the first currency and transitional accounts in the second currency.
例如,在具體的拒付場景中,當業務系統接收到使用者通過發卡行發出的拒付請求時,確定需要從應收賠付帳戶中扣款並將所扣款返回至用戶帳戶,若關於到不同幣種,則確定需要進行匯兌操作。當需要進行匯兌操作時, 業務系統向規則維護中心發送規則請求消息,該規則請求消息中的業務場景為拒付場景,相應的,該規則請求消息中的業務類型所指示的匯兌操作包括:資金匯兌和業務匯兌。 For example, in a specific chargeback scenario, when the business system receives a chargeback request from the user through the issuing bank, it is determined that it needs to deduct the payment from the receivable compensation account and return the deducted payment to the user account. Different currencies are determined to be exchanged. When remittance operations are required, The business system sends a rule request message to the rule maintenance center. The business scenario in the rule request message is a payment rejection scenario. Accordingly, the exchange operation indicated by the business type in the rule request message includes: fund exchange and business exchange.
規則維護中心接收業務系統發送的規則請求消息,對規則請求消息進行解析,獲知業務系統請求與拒付場景中的資金匯兌和業務匯兌匹配的轉換規則,從所維護的至少一套轉換規則中,確定與退款場景中的資金匯兌和業務匯兌匹配的目標轉換規則,將目標轉換規則返回給業務系統。相應的,這裡的目標轉換規則包括:退款場景中,資金匯兌關於的帳戶和匯兌邏輯,及業務匯兌關於的帳戶和匯兌邏輯。 The rule maintenance center receives the rule request message sent by the business system, parses the rule request message, and learns the conversion rules that match the business system request with the fund exchange and business exchange in the chargeback scenario. From at least one set of conversion rules maintained, Determine the target conversion rule that matches the fund exchange and business exchange in the refund scenario, and return the target conversion rule to the business system. Correspondingly, the target conversion rules here include: in the refund scenario, the account and exchange logic related to fund exchange, and the account and exchange logic related to business exchange.
基於此,業務系統根據目標轉換規則進行數值轉換處理為:根據資金匯兌關於的帳戶和匯兌邏輯進行資金匯兌處理,並根據業務匯兌關於的帳戶和匯兌邏輯進行業務匯兌處理。具體的,收到拒付請求後,先從應收賠付帳戶中扣款返回到使用者帳戶中,然後根據拒付的判責結果來決定是本業務系統賠付還是商戶賠付,如果是本業務系統賠付,則從業務系統的賠付帳戶轉帳應收賠付帳戶(應收賠付帳戶即為用戶帳戶)中,如果是商戶賠付則從商戶賠付帳戶中轉帳到應收賠付帳戶。 Based on this, the business system performs value conversion processing according to the target conversion rule as follows: fund exchange processing according to the account and exchange logic related to fund exchange, and business exchange processing according to the account and exchange logic related to business exchange. Specifically, after receiving the request for refusal, the payment will be deducted from the claim receivable account and returned to the user account, and then based on the judgment result of the refusal to determine whether the payment is made by the business system or the merchant, if it is the business system For compensation, transfer from the compensation account of the business system to the compensation receivable account (the compensation receivable account is the user account). If the compensation is paid by the merchant, it is transferred from the compensation account of the merchant to the compensation receivable account.
資金匯兌關於的帳戶包括待清算帳戶,在拒付場景中主要是指拒付待清算帳戶。業務匯兌關於的帳戶包括過渡帳戶,在拒付場景中主要是指應收賠付帳戶,即用戶帳 戶。 The accounts related to fund remittance include accounts to be cleared, and in the case of chargebacks, they mainly refer to accounts pending clearing. Accounts related to business remittance include transitional accounts. In the case of chargebacks, they mainly refer to receivables and compensation accounts, that is, user accounts. Household.
由上述可見,通過使用本發明方法後,各業務系統可以從維護轉換規則的枷鎖中解脫出來,關注業務系統本身的業務,在需要匯兌的時候只需要發送規則請求消息給規則維護中心,由規則維護中心返回。另外,業務系統可以對整個匯兌過程做管控,並且對於匯兌中產生損益的地方,也可以進行很好的登記與處理。 It can be seen from the above that by using the method of the present invention, each business system can be freed from the shackles of maintaining the conversion rules, pay attention to the business of the business system itself, and only need to send a rule request message to the rule maintenance center when exchange is needed. The maintenance center returns. In addition, the business system can control the entire exchange process, and can also perform good registration and processing of the profit and loss in the exchange.
需要說明的是,對於前述的各方法實施例,為了簡單描述,故將其都表述為一系列的動作組合,但是本領域技術人員應該知悉,本發明並不受所描述的動作順序的限制,因為依據本發明,某些步驟可以採用其他順序或者同時進行。其次,本領域技術人員也應該知悉,說明書中所描述的實施例均屬於優選實施例,所關於的動作和模組並不一定是本發明所必須的。 It should be noted that for the foregoing method embodiments, for the sake of simple description, they are all expressed as a series of action combinations, but those skilled in the art should know that the present invention is not limited by the described sequence of actions. Because according to the present invention, certain steps can be performed in other order or simultaneously. Secondly, those skilled in the art should also know that the embodiments described in the specification are all preferred embodiments, and the related actions and modules are not necessarily required by the present invention.
在上述實施例中,對各個實施例的描述都各有側重,某個實施例中沒有詳述的部分,可以參見其他實施例的相關描述。 In the above-mentioned embodiments, the description of each embodiment has its own focus. For parts that are not described in detail in an embodiment, reference may be made to related descriptions of other embodiments.
圖2為本發明一實施例提供的數值處理裝置的結構示意圖。如圖2所示,該裝置包括:發送模組21、接收模組22和轉換處理模組23。
FIG. 2 is a schematic structural diagram of a numerical processing device provided by an embodiment of the present invention. As shown in FIG. 2, the device includes: a sending
發送模組21,用於向規則維護中心發送規則請求消息。
The sending
接收模組22,用於接收規則維護中心根據規則請求消息返回的目標轉換規則。
The receiving
轉換處理模組23,用於根據接收模組22接收的目標轉換規則進行數值轉換處理。
The
在一可選實施方式中,數值處理裝置還可以包括:業務處理模組,用於轉換處理模組23數值轉換處理後的數值開展業務。
In an optional embodiment, the numerical processing device may further include: a business processing module for converting the numerical value processed by the
在一可選實施方式中,上述規則請求消息包括:業務場景和業務類型。基於此,接收模組22具體用於:接收規則維護中心返回的與業務場景和業務類型匹配的目標轉換規則。
In an optional implementation manner, the foregoing rule request message includes: business scenarios and business types. Based on this, the receiving
可選的,上述業務場景為支付場景,上述業務類型所指示的匯兌業務包括:資金匯兌和業務匯兌。相應的,上述目標轉換規則包括:支付場景中,資金匯兌關於的帳戶和匯兌邏輯,及業務匯兌關於的帳戶和匯兌邏輯。 Optionally, the foregoing business scenario is a payment scenario, and the exchange business indicated by the foregoing business type includes: fund exchange and business exchange. Correspondingly, the above-mentioned target conversion rules include: accounts and exchange logic related to fund exchange in a payment scenario, and accounts and exchange logic related to business exchange.
轉換處理模組23具體用於:根據資金匯兌關於的帳戶和匯兌邏輯進行資金匯兌處理,並根據業務匯兌關於的帳戶和匯兌邏輯進行業務匯兌處理。
The
可選的,上述業務場景為退款場景,上述業務類型包括:資金匯兌和業務匯兌。相應的,上述目標轉換規則包括:退款場景中,資金匯兌關於的帳戶和匯兌邏輯,及業務匯兌關於的帳戶和匯兌邏輯。 Optionally, the foregoing business scenario is a refund scenario, and the foregoing business types include: fund exchange and business exchange. Correspondingly, the foregoing target conversion rules include: in the refund scenario, the account and exchange logic related to fund exchange, and the account and exchange logic related to business exchange.
轉換處理模組23具體用於:根據資金匯兌關於的帳戶和匯兌邏輯進行資金匯兌處理,並根據業務匯兌關於的帳戶和匯兌邏輯進行業務匯兌
處理。
The
可選的,上述業務場景為拒付場景,上述業務類型包括:資金匯兌和業務匯兌。相應的,上述目標轉換規則包括:拒付場景中,資金匯兌關於的帳戶和匯兌邏輯,及業務匯兌關於的帳戶和匯兌邏輯。 Optionally, the foregoing business scenario is a chargeback scenario, and the foregoing business types include: fund exchange and business exchange. Correspondingly, the above-mentioned target conversion rules include: accounts and exchange logic related to fund exchange in the scenario of refusal, and accounts and exchange logic related to business exchange.
轉換處理模組23具體用於:根據資金匯兌關於的帳戶和匯兌邏輯進行資金匯兌處理,並根據業務匯兌關於的帳戶和匯兌邏輯進行業務匯兌處理。
The
本實施例提供的數值處理裝置,與規則維護中心配合,允許規則維護中心統一維護轉換規則,基於此,當需要進行數值轉換處理時,數值處理裝置向規則維護中心發送規則請求消息,接收規則維護中心根據規則請求消息返回的目標轉換規則,根據接收到的目標轉換規則進行數值轉換處理。由於將轉換規則的維護剝離出去,由規則維護中心統一進行管理,減輕了數值處理裝置的處理負擔,有利於提高其業務處理效率。 The value processing device provided in this embodiment cooperates with the rule maintenance center to allow the rule maintenance center to maintain the conversion rules in a unified manner. Based on this, when the value conversion processing is required, the value processing device sends a rule request message to the rule maintenance center and receives the rule maintenance According to the target conversion rules returned by the rule request message, the center performs numerical conversion processing according to the received target conversion rules. Since the maintenance of the conversion rules is separated and managed by the rule maintenance center, the processing burden of the numerical processing device is reduced, which is beneficial to improve its business processing efficiency.
所屬領域的技術人員可以清楚地瞭解到,為描述的方便和簡潔,上述描述的系統,裝置和單元的具體工作過程,可以參考前述方法實施例中的對應過程,在此不再贅述。 Those skilled in the art can clearly understand that, for the convenience and conciseness of description, the specific working process of the above-described system, device, and unit can refer to the corresponding process in the foregoing method embodiment, which will not be repeated here.
在本發明所提供的幾個實施例中,應該理解到,所揭露的系統,裝置和方法,可以通過其它的方式實現。例如,以上所描述的裝置實施例僅僅是示意性的,例如,所 述單元的劃分,僅僅為一種邏輯功能劃分,實際實現時可以有另外的劃分方式,例如多個單元或元件可以結合或者可以整合到另一個系統,或一些特徵可以忽略,或不執行。另一點,所顯示或討論的相互之間的耦合或直接耦合或通信連接可以是通過一些介面,裝置或單元的間接耦合或通信連接,可以是電性,機械或其它的形式。 In the several embodiments provided by the present invention, it should be understood that the disclosed system, device, and method can be implemented in other ways. For example, the device embodiments described above are only illustrative, for example, The division of the units mentioned is only a logical function division, and there may be other divisions in actual implementation. For example, multiple units or elements can be combined or integrated into another system, or some features can be ignored or not implemented. In addition, the displayed or discussed mutual coupling or direct coupling or communication connection may be indirect coupling or communication connection through some interfaces, devices or units, and may be in electrical, mechanical or other forms.
所述作為分離部件說明的單元可以是或者也可以不是物理上分開的,作為單元顯示的部件可以是或者也可以不是物理單元,即可以位於一個地方,或者也可以分佈到多個網路單元上。可以根據實際的需要選擇其中的部分或者全部單元來實現本實施例方案的目的。 The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed to multiple network units . Some or all of the units may be selected according to actual needs to achieve the objectives of the solutions of the embodiments.
另外,在本發明各個實施例中的各功能單元可以整合在一個處理單元中,也可以是各個單元單獨物理存在,也可以兩個或兩個以上單元整合在一個單元中。上述整合的單元既可以採用硬體的形式實現,也可以採用硬體加軟體功能單元的形式實現。 In addition, the functional units in the various embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units may be integrated into one unit. The above-mentioned integrated unit can be realized either in the form of hardware or in the form of hardware plus software functional units.
上述以軟體功能單元的形式實現的整合的單元,可以儲存在一個電腦可讀取儲存媒體中。上述軟體功能單元儲存在一個儲存媒體中,包括若干指令用以使得一台電腦設備(可以是個人電腦,伺服器,或者網路設備等)或處理器(processor)執行本發明各個實施例所述方法的部分步驟。而前述的儲存媒體包括:隨身碟、移動硬碟、唯讀記憶體(Read-Only Memory,ROM)、隨機存取記憶體(Random Access Memory,RAM)、磁碟或者光碟等各 種可以儲存程式碼的媒體。 The above-mentioned integrated unit realized in the form of a software functional unit can be stored in a computer readable storage medium. The above-mentioned software functional unit is stored in a storage medium, and includes a number of instructions to make a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to execute the various embodiments of the present invention Part of the method. The aforementioned storage media include: flash drives, removable hard drives, read-only memory (Read-Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic disks or optical disks, etc. A medium that can store code.
最後應說明的是:以上實施例僅用以說明本發明的技術方案,而非對其限制;儘管參照前述實施例對本發明進行了詳細的說明,本領域的普通技術人員應當理解:其依然可以對前述各實施例所記載的技術方案進行修改,或者對其中部分技術特徵進行等同替換;而這些修改或者替換,並不使相應技術方案的本質脫離本發明各實施例技術方案的精神和範圍。 Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, not to limit them; although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: The technical solutions recorded in the foregoing embodiments are modified, or some of the technical features are equivalently replaced; these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.
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