TWI701631B - Method and device for fund recovery - Google Patents

Abstract

This application provides a method for fund recovery, including: receiving and saving the details of arrears sent by the business system; screening the details of arrears that meet the requirements of the recovery application to generate a recovery application; performing fund operations according to the recovery application; and following the preset funds Backfill rules, allocate the funds obtained to the arrears details used to generate the recovery application. Through the technical solution of this application, it is no longer necessary for each business system to implement the recovery function separately, avoiding a large amount of duplication of labor, and improving the performance of the business system and the payment system.

Description

Method and device for fund recovery

This application relates to the field of data processing, in particular to a method and device for fund recovery.

With the increasing popularity of Internet payment, various businesses through third-party payment systems emerge in endlessly. In some business scenarios, the business system will advance funds for users or merchants under certain conditions, and then recover funds from pre-authorized accounts through the payment system.

For example, when a user who is qualified for a fast refund returns a product, the business system that handles the return can first pay the refundable money to the user through the payment system from the merchant’s margin account, and then submit a recovery application to the payment system to request the payment system Recover the insufficient margin from the merchant’s pre-authorized account.

In the prior art, each business system performs its own fund recovery, so that each business system needs to realize the function of fund recovery, causing a lot of duplication of labor. In addition, the payment system needs to lock some variables related to the amount of arrears or the account amount when performing fund operations in response to the recovery request of a certain business system; as the number of business systems making the recovery request With the increase of the amount, the possibility of capital operation failure due to the locked state of these variables is also increasing. Repeated claims for compensation will reduce the performance of the business system and the payment system.

In view of this, this application provides a method of fund recovery, including: receiving and saving the arrears details sent by the business system; screening the arrears details that meet the requirements of the recovery application to generate a recovery application form; performing fund operations according to the recovery application form; The preset fund backfilling rules allocate the obtained funds to the arrears details used to generate the recovery application.

This application also provides a device for fund recovery, including: arrears details receiving unit, used to receive and save the arrears details sent by the business system; recovery application generating unit, used to screen the arrears details that meet the requirements of the recovery application, and generate The application form for recovery; the fund operation unit is used to perform fund operations according to the application form for recovery; the fund allocation unit is used to allocate the obtained funds to the arrears details used to generate the application form for recovery in accordance with preset fund backfilling rules.

It can be seen from the above technical solutions that the embodiment of the present application collects the arrears of each business system and then collects it in a unified manner. It is no longer necessary for each business system to implement the recovery function separately, avoiding a large amount of duplication of labor, and improving the performance of the business system. Performance; based on the arrears details to generate a recovery application form The unified fund operation avoids a large number of concurrent claims for the payment system from multiple business systems and reduces the load on the payment system.

Figure 1 is a diagram of a network structure for realizing fund recovery in the prior art; Figure 2 is an example diagram of a network structure for realizing fund recovery in an embodiment of this application; Figure 3 is another network structure for realizing fund recovery in an embodiment of this application Road structure example diagram; Figure 4 is a flowchart of a fund recovery method in an embodiment of this application; Figure 5 is a schematic diagram of functional modules of a recovery system in an application example of this application; Figure 6 is a hardware structure diagram of a server Figure 7 is a logical structure diagram of a fund recovery device provided by an embodiment of this application.

In the prior art, each business system that requires fund recovery includes software modules for recovery. As shown in Figure 1, these software modules interact with the payment system to achieve fund recovery in the business system where they are located. The embodiment of the application proposes a new fund recovery method, which provides a fund recovery interface for each business system through a unified recovery mechanism, and it is no longer necessary for each business system to realize the recovery function separately.

The compensation method in the embodiment of this application can run independently on the logic servo Server (such as virtual machines, server clusters, etc.) or physical servers, for example, in the network shown in Figure 2, the application of the recovery system of the embodiment of the application is connected between the business system and the payment system to implement the business system Fund recovery. The compensation method in the embodiment of the present application can also be run as a component of the payment system, such as a software module that performs compensation for multiple business systems in the network shown in FIG. 3. For the convenience of presentation, the main body that runs the method of the embodiment of the present application is referred to as the recovery system below.

In this embodiment, the flow of the fund recovery method is shown in FIG. 4.

Step 410: Receive and save the arrears details sent by the business system.

When a business item that requires fund recovery occurs in the business system, the arrears details are generated and sent to the recovery system. The format of arrears details is commonly used in various business systems. Each arrears details includes the amount of arrears, and the pre-authorized account for deduction or other information used to determine which pre-authorized account to deduct from, and can also include other information. Such as the type of business, the time of occurrence of arrears, and the time limit for recovery. The specific content in the arrears details can be determined according to the needs of actual application scenarios.

Each business system can send the generated arrears details to the recovery system at any time, or send the arrears details to the recovery system in a certain period of time or a certain number of arrears. The recovery system saves the details of the arrears received from each business system.

Step 420: Screen the details of arrears that meet the requirements of the recovery application, and generate a recovery application form.

The administrator can set and save the recovery application conditions. The recovery system reads these recovery application conditions and will match them in the arrears details received from the business system. The details of arrears that meet the requirements of the recovery application are screened out, and a recovery application form is generated based on the screened details of arrears.

Generally, you can use the content of the arrears details to set the conditions for the application for recovery. For example, the conditions for the application for recovery can be arrears time conditions, business type conditions, or arrears amount conditions, or a combination of the above conditions. Specifically, the application condition for recovery can be that the arrears period is a certain month, the arrears amount is less than a certain set value, the business type and the arrears period are set as a set interval, and so on.

In some application scenarios, scheduling rules can be preset, and the recovery system will filter the detailed items that meet the requirements of the recovery application from the list of arrears according to the scheduling rules to generate a recovery application form. For example, the scheduling rule can include the set time frequency and the set number of pre-authorized accounts. When the scheduling period is up, the recovery system will take out the details of the arrears for the set number of pre-authorized accounts from the arrears details that meet the requirements of the recovery application. Take out the details of arrears to generate a recovery application form.

The recovery application form includes the information required by the recovery system to recover funds through the payment system, such as a pre-authorized account and the total amount of a pre-authorized account that needs to be recovered in this recovery. When the recovery system generates a recovery application form from the selected arrears details, the amount of arrears for multiple arrears details of a pre-authorized account can be summarized, so that only once between the recovery system and the payment system Funding operations can complete the recovery of multiple arrears details, which reduces the operation of the payment system and improves the performance of the payment system.

Step 430: Perform fund operations according to the recovery application form.

According to the recovery application form, the recovery system submits a recovery application to the payment system, conducts fund operations with the payment system, and obtains recovery funds. The process of filing an application for reimbursement and fund operation can be carried out with reference to the existing technology, and will not be repeated.

Step 440: According to the preset fund backfilling rules, the obtained funds are allocated to the arrears details used to generate the recovery application form.

If the balance in the pre-authorized account is less than the total amount that needs to be deducted from the pre-authorized account in a recovery application, the full amount of funds will not be obtained for this recovery. According to actual application requirements, the maximum amount that can be deducted in the pre-authorized account can be deducted or not deducted in this case.

For the obtained recovery funds, the recovery system allocates the arrears details used to generate the recovery application form according to the preset fund backfilling rules. The fund backfilling rules can be set according to actual application requirements. For example, it can be the priority to pay back the arrears for a long time, the priority to repay the arrears with a small amount, or the priority to repay the set business type Details of arrears.

In one implementation, the arrears details allocated to the full amount of funds can be deleted from the arrears details stored in the recovery system, and the arrears of the arrears details that are not allocated to the full amount of funds can be modified to those that have not been recovered Amount, so that every time a recovery application form is generated, it can be filtered from all the stored arrears details.

In another implementation, the recovery status can be set for each arrears list, including three types: unrecovered, recovered and partially recovered. Among them, unrecovered means that the arrears list has not been used to generate a recovery application or has been used A recovery application form is generated but the recovery funds have not been allocated; already recovered means that the arrears details of this article have been fully recovered; partial recovery means that the arrears details of this article have been allocated but not yet in full, and partial recovery of the arrears The details also need to record the amount that has been allocated or the amount of arrears still to be recovered. In this realization, before generating a claim form, select the arrears that meet the requirements of the claim in the list of arrears whose claim status is unrecovered or partially recovered; when funds are obtained according to the claim form, if the recovery system allocates funds to If the amount of arrears is sufficient, the recovery status of this arrears list is changed to recovered; if the amount is insufficient, the recovery status of this arrears list is changed to partial recovery, and the allocated amount is recorded or updated The amount or the amount of arrears still to be recovered.

In this embodiment, by centralizing the arrears details of each business system and then uniformly recovering, it is no longer necessary for each business system to implement the recovery function separately, avoiding a large amount of duplication of labor, and improving the performance of the business system; according to the arrears details Performing fund operations after generating the recovery application form avoids a large number of concurrent recovery applications for the payment system, reduces the load of the payment system, and improves the performance of the payment system.

The recovery system can record the process of recovery application and fund allocation. In order to facilitate the business system to understand the specific situation of the recovery, the recovery system can generate the recovery details corresponding to the arrears according to the distribution results of the obtained funds, record how many times an arrears has been recovered, and the amount of each time obtained, and Other information, such as recovery time, etc. One item of arrears details corresponds to one item of recovery item (for example, one-time full recovery) or more than one item of recovery item (for example, multiple partial recovery).

The recovery system can adopt a multi-tasking or multi-threading method to generate a recovery application form and perform fund operations. In order to avoid different tasks or execution threads from recovering the same arrears details at the same time, before generating a recovery application form, filter the arrears details that meet the requirements of the recovery application from the arrears details that have not been marked as recovering; After generating the arrears details of the recovery application form, the recovery system will mark these arrears details as being recovered; after allocating the funds obtained to the arrears details, clear the mark in the recovery of the arrears details. In this way, when a thread or task is from initiation to completion of the recovery operation for an arrears detail, it can be ensured that this arrears detail will not be selected by other threads or tasks.

In an application example of this application, the recovery system that runs the recovery method in the embodiment of this application includes 4 functional modules: a recovery setting module, a debt registration module, a scheduling module, and a recovery execution module, as shown in Figure 5. Shown.

The recovery setting module provides an interface to the administrator, who sets the recovery application conditions, fund backfill rules and scheduling rules adopted by the recovery system. Among them, the scheduling rules include the frequency and magnitude of the recovery, such as recovering 20 pre-authorized accounts every 10 minutes; the recovery application conditions include the time of arrears, the type of business, the number of arrears details, the maximum application amount, and whether partial recovery Wait for conditions to filter the details of arrears to generate a recovery application. For example, form the details of arrears that have not been recovered in the current month into a recovery application; the fund backfill rules are used to determine how to allocate the funds obtained from the recovery application to generate a recovery application The details of the arrears of the bill, or the details of which arrears are paid first in the case of partial recovery.

When the business system requires advancement or use of margin, etc., it needs to be recovered When doing business, send a message to the recovery system to register the details of arrears. The arrears registration module receives and saves the arrears details from the business system. Each arrears list includes three recovery statuses: recovered, unrecovered, and partially recovered. The arrears in the partial recovery status will also record the amount of recovery; The details of arrears in the process of recovery will also be marked as being recovered by the recovery execution module.

The scheduling module calls the compensation execution module to perform compensation according to the preset scheduling rules.

When the recovery execution module is called, the arrears details that meet the requirements of the recovery application are selected from the list of arrears that have the status of unrecovered or partially recovered and are not marked as recovering, and are generated based on the selected arrears details The application form for recovery, the application form for recovery records the amount to be recovered for each pre-authorized account and the total amount of recovery. The recovery execution module initiates a recovery application to the payment system according to the recovery application form, and performs real fund operations such as transfer and freezing. The recovery application may be partially successful, that is, if the account balance is insufficient, the actual account balance will be used for recovery. After obtaining the recovery funds, according to the preset fund backfilling rules, the recovery execution module allocates the obtained funds to the arrears details used to generate the recovery application form, clears the repayment of these arrears details, and generates the recovery details. The recovery details correspond to the arrears details. You can find the corresponding arrears details through the arrears details. At the same time, you can also find one or more corresponding recovery details through the arrears details. According to the result of the fund allocation, the recovery execution module updates the recovery status of the arrears details used to generate the recovery application. If the arrears are allocated in full, the recovery status of the arrears details is changed to recovered; under allocation Then change the recovery status of the arrears details to partial recovery, and update the recovered amount of the arrears details.

Corresponding to the foregoing process implementation, the embodiment of the present application also provides a device for recovering funds. The device can be used independently on the server or on the server where the payment system is located. The device can be implemented through software, or through hardware or a combination of software and hardware. Taking software implementation as an example, as a logical device, the device is formed by reading the corresponding computer program instructions into the memory through the CPU of the server where it is located. From a hardware perspective, in addition to the CPU, memory, and non-volatile memory shown in Figure 6, the server where the device is located usually includes other hardware such as boards for implementing network communication functions.

Figure 7 shows a fund recovery device provided by this embodiment, which is functionally divided, including arrears detail receiving unit, recovery application generating unit, fund operation unit, and fund distribution unit. Among them: the arrears detail receiving unit is used for Receive and save the details of arrears sent by the business system; the recovery application generating unit is used to screen the details of arrears that meet the requirements of the recovery application and generate a recovery application form; the fund operation unit is used to perform fund operations according to the recovery application form; the fund allocation unit is used to According to the preset fund backfilling rules, the funds obtained are allocated to the arrears details used to generate the recovery application.

Optionally, the recovery application generating unit is specifically configured to: according to preset scheduling rules, filter the details of arrears that meet the conditions of the recovery application, and generate a recovery application form.

Optionally, the recovery status of the arrears details includes unrecovered, recovered, and partial recovery; the recovery application generating unit is specifically configured to: select the arrears that meet the requirements of the recovery application and whose recovery status is unrecovered or partially recovered Details, generate a claim form; the device also includes: a claim status dimension The protection unit is used to change the recovery status of the arrears list to recovered when the funds allocated to a certain arrears list is full; when the amount is insufficient, change the recovery status of the arrears list to partial recovery .

Optionally, the device further includes: a recovery detail unit for generating a recovery detail corresponding to the arrears detail according to the distribution result of the obtained funds; one or more recovery detail corresponds to one arrears detail.

Optionally, the recovery application generating unit is specifically configured to: filter the arrears details that meet the conditions of the recovery application and the arrears details are not marked as the arrears under recovery, and generate a recovery application form; the device further includes a marking unit under recovery and The mark clearing unit, wherein: the in-recovery marking unit is used to mark the arrears details screened out for generating the application for recovery as being recovered; the mark clearing unit is used to clear the arrears details after allocating the obtained funds to the arrears details Used to generate the arrears details of the recovery application form and mark in recovery.

It can be seen from the implementation of the various methods and devices above that, compared to the function of realizing fund recovery on each business system in the prior art, the embodiment of this application collects the arrears details of each business system and then performs the recovery in a unified manner. , It is no longer necessary for each business system to implement the recovery function separately, avoiding a large amount of repetitive labor; unified fund operation avoids unsuccessful requests caused by a large number of concurrent recovery applications for the payment system, and improves the performance of the business system and the payment system.

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

Memory may include non-permanent memory, random access memory (RAM) and/or non-volatile memory in computer-readable media. Such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer-readable media includes permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. Information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), and other types of random access memory (RAM) , Read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, read-only CD-ROM (CD-ROM), digital multi-function Optical discs (DVD) or other optical storage, magnetic cassette tapes, tape-to-disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, product or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or include elements inherent to this process, method, commodity, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity or equipment including the element.

Those skilled in the art should understand that the embodiments of the present application can be provided as methods, systems or computer program products. Therefore, this application may adopt the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware. Moreover, this application can be in the form of computer program products implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) containing computer-usable program codes .

The above are only the preferred embodiments of this application and are not intended to limit this application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this application shall be included in this application Within the scope of protection.

Claims (8)

A method for fund recovery in an e-commerce payment system, which is characterized in that it includes: the recovery system receives and saves multiple arrears details sent from multiple business systems, wherein each arrears details is set with a recovery status, It includes unrecovered, recovered and partly recovered; the recovery system selects from the multiple arrears details received by the multiple business systems according to the preset scheduling rules to meet the recovery application conditions and the recovery status is unrecovered or partial The details of the arrears to be recovered generate a recovery application form, where the application conditions for recovery include one or a combination of two or more of the following: arrears time condition, business type condition, arrear amount condition, and the scheduling rules include setting The time frequency and the number of pre-authorized accounts set; the recovery system performs fund operations between the recovery application form and the payment system to obtain recovery funds; the recovery system distributes the acquired recovery funds to users in accordance with preset fund backfill rules To generate the arrears details of the recovery application form, in which, if the funds allocated to a certain arrears details are sufficient, the recovery status of the arrears details is changed to recovered; if the amount is insufficient, the recovery status of the arrears details Change to partial recovery. The method according to item 1 of the scope of patent application, wherein the method further includes: generating a recovery detail corresponding to the arrears detail according to the distribution result of the obtained funds; one or more recovery detail corresponding to one arrears detail. According to the method described in item 1 of the scope of patent application, the method further includes: marking the arrears details screened out for generating the recovery application as being recovered; after allocating the obtained funds to the arrears details, clearing This is used to generate the arrears details of the recovery application form and mark in recovery. According to the method described in item 1 of the scope of patent application, the claim form includes the total amount of a single pre-authorized account. According to the method described in item 1 of the scope of patent application, the fund backfilling rules include one of the following: priority repayment details of arrears for a long time, priority repayment details of arrears with a small amount, and priority repayment settings Details of the arrears of the business type. A device for recovering funds in an e-commerce payment system is characterized by comprising: arrears details receiving unit for receiving and storing multiple arrears details sent from multiple business systems, wherein each arrears The recovery status of the details includes unrecovered, recovered and partially recovered; the recovery application generating unit is used to select the multiple arrears details received from the multiple business systems according to the preset scheduling rules to meet the recovery application conditions And the recovery status is unrecovered or partially recovered arrears details to generate a recovery application form, where the recovery application conditions include one or a combination of two or more of the following: arrears time condition, business type condition, arrears amount condition , And the scheduling rules include the set time frequency and the set number of pre-authorized accounts; The fund operation unit is used to perform fund operations according to the recovery application form; the fund allocation unit is used to allocate the obtained funds to the arrears details used to generate the recovery application form according to the preset fund backfilling rules; the recovery status maintenance unit, It is used to change the recovery status of the arrears detail to recovered when the funds allocated to a certain arrears detail is full; when it is insufficient, change the recovery status of the arrears detail to partial recovery. The device according to item 6 of the scope of patent application, wherein the device further includes: a recovery detail unit, configured to generate a recovery detail corresponding to the arrears detail according to the distribution result of the obtained fund; one or more recovery detail corresponds to A detail of arrears. The device according to item 6 of the scope of patent application, wherein the device further includes: a reclaiming marking unit, which is used to mark the arrears details screened out and used to generate a recourse application form as being reclaimed; and a mark clearing unit for After allocating the obtained funds to the arrears details, clear the mark in the recovery of the arrears details used to generate the claim form.

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