TWI700655B - Numerical processing method and device - Google Patents

Abstract

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

Numerical processing method and device

The present invention relates to the field of Internet technology, in particular to a numerical processing method and device.

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.

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.

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.

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.

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.

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‧‧‧Step

102‧‧‧Step

103‧‧‧Step

21‧‧‧Send module

22‧‧‧Receiving Module

23‧‧‧Conversion processing module

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.

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.

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.

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. Send a rule request message to the rule maintenance center.

102. Receive the target conversion rule returned by the rule maintenance center according to the rule request message.

103. Perform numerical conversion processing according to the target conversion rule.

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.

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.

Further, the numerical processing device can also carry out business based on the numerical value after numerical conversion processing.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 module 21, a receiving module 22 and a conversion processing module 23.

The sending module 21 is used to send a rule request message to the rule maintenance center.

The receiving module 22 is configured to receive the target conversion rule returned by the rule maintenance center according to the rule request message.

The conversion processing module 23 is configured to perform numerical conversion processing according to the target conversion rule received by the receiving module 22.

In an optional embodiment, the numerical processing device may further include: a business processing module for converting the numerical value processed by the processing module 23 to carry out business.

In an optional implementation manner, the foregoing rule request message includes: business scenarios and business types. Based on this, the receiving module 22 is specifically configured to receive the target conversion rule that matches the business scenario and the business type returned by the rule maintenance center.

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.

The conversion processing module 23 is specifically used to perform fund exchange processing according to the account and exchange logic related to the fund exchange, and perform business exchange processing according to the account and exchange logic related to the business exchange.

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.

The conversion processing module 23 is specifically used to: perform fund exchange processing according to the account and exchange logic related to fund exchange, and perform business exchange according to the account and exchange logic related to business exchange deal with.

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.

The conversion processing module 23 is specifically used to perform fund exchange processing according to the account and exchange logic related to the fund exchange, and perform business exchange processing according to the account and exchange logic related to the business exchange.

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.

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.

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.

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.

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.

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.

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.

Claims (7)

A numerical processing method, comprising: sending a rule request message to a rule maintenance center outside a business system, the rule request message including: a business scenario and a business type; and receiving a return from the rule maintenance center related to the business scenario and business type The matched target conversion rule; the numerical conversion processing is performed according to the target conversion rule. According to the method described in item 1 of the scope of patent application, it also includes: conducting business based on the value after the value conversion process. The method according to item 1 of the scope of patent application, wherein before the receiving the target conversion rule that matches the business scenario and the business type returned by the rule maintenance center, the method further includes: the rule maintenance center According to the business scenario and business type, the target conversion rule is determined from at least one set of conversion rules maintained. The method according to item 1 of the scope of patent application, wherein the business scenario is a payment scenario, the exchange business indicated by the business type includes: fund exchange and business exchange; the target conversion rule includes: in the payment scenario , The account and exchange logic about fund exchange, and the account and exchange logic about business exchange; or the business scenario is a refund scenario, and the business type includes: fund exchange and business exchange; the target conversion rule includes: In the refund scenario, the account and exchange logic for fund exchange, and the account and exchange logic for business exchange; or The business scenario is a refusal payment scenario, and the business types include: fund exchange and business exchange; the target conversion rules include: in the refusal scenario, the account and exchange logic for fund exchange, and the account and business exchange Exchange logic. A numerical processing device, including: a sending module for sending a rule request message to a rule maintenance center outside the business system, the rule request message including: a business scenario and a business type; and a receiving module for receiving the The target conversion rule that matches the business scenario and business type returned by the rule maintenance center; the conversion processing module is used to perform numerical conversion processing according to the target conversion rule. The device according to item 5 of the scope of patent application, which further includes: a business processing module, which is used to carry out business according to the numerical value after the numerical conversion processing. The device according to item 5 of the scope of patent application, wherein the business scenario is a payment scenario, the exchange business indicated by the business type includes: fund exchange and business exchange; and the target conversion rule includes: in the payment scenario , The account and exchange logic about fund exchange, and the account and exchange logic about business exchange; or the business scenario is a refund scenario, and the business type includes: fund exchange and business exchange; the target conversion rule includes: In the refund scenario, the account and exchange logic for fund exchange, and the business exchange Account and exchange logic; or the business scenario is a refusal scenario, the business type includes: fund exchange and business exchange; the target conversion rule includes: in the refusal scenario, the account and exchange logic for fund exchange, and Regarding business exchange accounts and exchange logic.

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