TWM618473U - System for checking account balance of return shop during code scanning transaction process - Google Patents

Abstract

A system for checking the account balance of the returned special store during the code scanning transaction. It determines whether the account balance of the returned special store is greater than or equal to that of the code scanning transaction when the text server judges that the scanning transaction is a return through the account host The transaction amount, if it is, the message server will send the transaction message of the scan code transaction to the scan code transaction platform to complete the scan code transaction, if not, the message server will reject the technical means of the transaction, which can prevent the special store from being returned The account balance is not enough to pay the return amount, and achieve the technical effect of reducing bank advances and reducing the risk of bad debts.

Description

A system to check the account balance of the return store during the code scanning transaction

A code scanning transaction system, in particular, refers to a system that checks the account balance of the return store during the code scanning transaction.

Mobile payment refers to services that use mobile devices to make payments. Without the need to use cash, checks or credit cards, consumers can use mobile devices to pay for various services or digital and physical goods.

There are five main types of mobile payment methods: SMS-based transfer payment, mobile bill payment, mobile device network payment, application (APP) payment and non-contact (NFC) payment. Among them, application payment includes QR (Quick Response) Code payment, which is commonly known as scan code payment and scan code transaction. There are two ways to scan code transactions. One is that after the consumer uses the mobile device to execute the application to scan the QR Code of the special store, the application generates and sends a transaction message to the scan code transaction platform, and the scan code transaction platform completes the scan code transaction and Return the transaction result to the application. This method is usually called the main scan transaction; the other is the QR code generated by the application program executed by the mobile device scanned by the transaction device installed in the special store to generate the transaction message. The device sends the transaction message to the scan code trading platform, so that the scan code trading platform completes the transaction and transmits the transaction result to the transaction device and application program. This method is usually called a scanned transaction.

In fact, from the description in the previous paragraph, it can be found that at the moment when the main scan transaction is performed, the bank is completely unable to know that the main scan transaction is in progress until the next day (or even more days) of the scan code trading platform batches of transaction details Only after sending it to the bank can the bank know that the main scan transaction has occurred. In this way, when the main scanning transaction is a general payment, the problem is not obvious, but if the main scanning transaction is a return, it may happen that the account balance of the returned store is not enough to pay the return amount, but the scanning transaction platform is still The problem of completing the transaction has caused the bank to advance on behalf of the special store that has been returned, and bad debts may even occur, leading to a substantial increase in the risk of the bank.

In summary, it can be seen that there has been a long-standing problem in the prior art that the account balance of the store’s account may not be enough to pay the return amount during the return of the goods in the scan code transaction. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem in the prior art that the account balance of the special store may not be enough to pay the return amount during the return of the goods in the scanning code transaction, this creation discloses a system for checking the account balance of the return special store during the scanning code transaction, in which:

The system for checking the account balance of the return shop during the code scanning transaction disclosed by this creation at least includes: a transaction client, which is used to generate a code scanning transaction message when performing a code scanning transaction; and a message server, which is used to receive the scanning code Transaction message, and when the scan code transaction is judged to be a return based on the scan code transaction message, a return transaction message is generated, where the return transaction message contains the store identification data; the accounting host is used to receive the return transaction message and is used according to the return transaction The message judges whether the account balance of the return shop corresponding to the special shop identification data is sufficient to generate the corresponding transaction cessation message, and sends the transaction continuation message to the text server so that the message server can determine whether the transaction continuation message indicates the account The balance is sufficient; the scan code transaction platform is used to receive the scan code transaction message sent by the message server when the transaction resumption message indicates that the account balance is sufficient, and to execute the scan code transaction based on the scan code transaction message and generate the transaction result message, And send the transaction result message to the message server, the message server is further used to send the transaction result message to the transaction client, and the transaction client is further used to display the result of the scan code transaction according to the transaction result message.

The system disclosed in this creation is as above, and the difference between it and the previous technology is that this creation adds a text server to the structure of the existing scan code transaction. When the text server determines that the scan code transaction is a return, the accounting host determines that the product is returned. Whether the account balance of the special store is greater than or equal to the transaction amount of the scan code transaction, if it is, the message server will send the scan code transaction message to the scan code transaction platform to complete the scan code transaction, if not, the message server will reject the transaction. In order to solve the problems existing in the previous technology, the technical effect of reducing bank advances and reducing the risk of bad debts can be achieved.

The following will describe the features and implementation methods of this creation in detail with the drawings and embodiments. The content is sufficient to enable any person familiar with relevant skills to easily and fully understand the technical means used in this creation to solve technical problems and implement them accordingly. The achievable effect of this creation.

In this creation, in the process of scanning code transactions for return or refund, the text server informs the accounting host to determine whether the account balance of the returned store is sufficient for the refund. When the account balance of the returned store is sufficient, The message server then continues the process of the code scanning transaction for return or refund, that is, the scanning transaction message is sent to the scanning transaction platform, and the scanning transaction platform executes the return or refund procedure. Among them, special stores are stores that conduct scan code transactions.

The scan code transaction mentioned in this creation includes the main scan transaction and the scanned transaction. The main scan transaction is obtained by the trader using the mobile device (including but not limited to shooting or opening) and decoding the transaction bar code of the special store and then initiated by the mobile device Transactions. Scanned transactions are transactions initiated by the shop device after the shop device obtains (including but is not limited to shooting or receiving) and decodes the transaction barcode generated by the trader using the mobile device. Among them, the transaction barcode is usually a two-dimensional barcode or QR code, but this creation is not limited to this. Any medium that is sufficient for a mobile device or special store device to obtain the information required to initiate a transaction can be used as the transaction barcode of this creation.

In the following, the system structure diagram of checking the account balance of returned goods during the code scanning transaction mentioned in the creation of "Figure 1" is used to illustrate the system of this creation. As shown in "Figure 1", the authored system includes a transaction client 110, an accounting host 120, a text server 130, and a code scanning transaction platform 150. Among them, the transaction client 110 and the text server 130, the accounting host 120 and the text server 130, and the text server 130 and the code scanning transaction platform 150 can be connected via a wired network or a wireless network, so as to transfer data or The signal is sent to the other party.

Generally speaking, the transaction client 110, the accounting host 120, the text server 130, and the code scanning transaction platform 150 may be computing devices. The computing devices mentioned in this creation include but are not limited to one or more processing modules, one or more memory modules, and hardware such as buses connecting different hardware components (including memory modules and processing modules). Body components. Through the included multiple hardware components, the computing device can load and execute the operating system, make the operating system run on the computing device, and can also execute software or programs. In addition, the computing device also includes a housing, and each of the above-mentioned hardware components is arranged in the housing.

The bus of the computing device mentioned in this creation can include one or more types, such as data bus, address bus, control bus, and extended function bus ( expansion bus), and/or local bus (local bus). The bus bars of computing devices include but are not limited to Industry Standard Architecture (ISA) bus, Peripheral Component Interconnect (PCI) bus, Video Electronics Standards Association (VESA) Bureau Domain bus, serial universal serial bus (Universal Serial Bus, USB), fast peripheral component interconnection (PCI Express, PCI-E/PCIe) bus, etc.

The processing module of the computing device mentioned in this creation is coupled with the bus. The processing module includes a register group or register space. The register group or register space can be completely set on the processing chip of the processing module, or all or part of it can be set outside the processing chip It is coupled to the processing chip via a dedicated electrical connection and/or via a bus. The processing module can be a central processing unit, a microprocessor or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processing modules, the processing modules included in the computing device are all the same or similar, and they are coupled and communicated through a bus. The processing module can interpret a computer instruction or a series of multiple computer instructions to perform specific operations or operations, such as mathematical operations, logical operations, data comparison, copy/move data, etc., to drive other hardware in the computing device Components or run operating systems or execute various programs and/or modules.

Computing equipment usually also contains one or more chipsets. The processing module of the computing device can be coupled to the chipset or electrically connected to the chipset through a bus. The chipset is composed of one or more integrated circuits (Integrated Circuit, IC), including memory controller and peripheral input/output (I/O) controller, that is, memory controller and peripheral input/output control The device can be included in one integrated circuit, or it can be implemented using two or more integrated circuits. Chipsets usually provide I/O and memory management functions, as well as multiple general-purpose and/or special-purpose registers, timers, etc., among which the aforementioned general-purpose and/or special-purpose registers and timers can be coupled or One or more processing modules electrically connected to the chipset are accessed or used.

The processing module of the computing device can also access the data in the memory module and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory modules include any type of volatile memory (volatile memory) and/or non-volatile memory (NVRAM), such as Static Random Access Memory (SRAM) , Dynamic Random Access Memory (DRAM), Read-Only Memory (ROM), Flash memory, etc. The aforementioned mass storage area can include any type of storage device or storage medium, such as hard disk drives, optical discs, flash drives, memory cards, and solid state disks. , SSD), or any other storage device, etc. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard disk drives, and solid state drives.

The processing module of the computing device can also connect and communicate with peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers and other peripheral devices or interfaces through the peripheral I/O controller via the peripheral I/O bus. The peripheral input device can be any type of input device, such as a keyboard, mouse, trackball, touchpad, joystick, etc. The peripheral output device can be any type of output device, such as a display, a printer, etc., a peripheral input device It can also be the same device as the peripheral output device, such as a touch screen. The communication interface can include a wireless communication interface and/or a wired communication interface. The wireless communication interface can include support for wireless local area networks (such as Wi-Fi, Zigbee, etc.), Bluetooth, infrared, near-field communication (NFC), 3G/4G/5G and other mobile communication network (cellular network) or other wireless data transmission protocol interface, wired communication interface can be Ethernet device, DSL modem, cable modem, asynchronous transmission Mode (Asynchronous Transfer Mode, ATM) devices, or optical fiber communication interfaces and/or components, etc. The processing module can periodically poll various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also interact with another computing device with the hardware components described above. To communicate.

The transaction client 110 may be a mobile device that obtains a transaction barcode of a special store, or a special store device that obtains a transaction barcode generated by the mobile device.

The transaction client 110 is responsible for generating a code scanning transaction message when performing a code scanning transaction, and is responsible for transmitting the generated code scanning transaction message to the message server 130. The code scanning transaction message generated by the transaction client 110 may include the special store identification data (or called the special store code) of the special store where the transaction is performed, the transaction amount, and other transaction-related data items, such as transaction time. Among them, the special store identification data is usually made up of a certain number of letters and/or numbers arranged in a certain order, but this creation is not limited to this.

The transaction client 110 is also responsible for receiving the transaction result message sent by the message server 130. The transaction result message mentioned in this creation can indicate that the scan code transaction is successful or the scan code transaction fails or the scan code transaction is rejected, etc., but this creation does not Limited by this.

The transaction client 110 is also responsible for displaying the transaction result of the corresponding scan code transaction based on the received transaction result message. In more detail, the transaction client 110 can decode the transaction result message to obtain the transaction result message, and can display the transaction result corresponding to the obtained transaction result message, for example, transaction completion or transaction failure or rejection, and transaction failure or rejection. The reason for the transaction, etc.

The accounting host 120 is responsible for receiving the return transaction message sent by the text server 130. The return transaction message mentioned in this creation may include the special store identification data and the transaction amount of the special store being returned.

The accounting host 120 is also responsible for determining whether the account balance of the special store corresponding to the special store identification data in the received return transaction message (that is, the special store that is returned, is also represented by the returned special store in this creation) is sufficient, It is also responsible for generating the corresponding transaction continuation message based on the judgment result, and is responsible for sending the generated transaction continuation message to the message server 130. For example, the accounting host 120 can query the account balance of the corresponding return shop based on the received shop identification data, and compare whether the queried account balance is greater than or equal to the transaction amount. If the account balance of the return shop is sufficient, the accounting host 120 can generate a transaction continuation message indicating that the account balance is sufficient. On the contrary, it means that the account balance of the returned shop is insufficient, and the accounting host 120 can generate a transaction continuation indicating that the account balance is insufficient. Stop the message.

For another example, the accounting host 120 can also read the historical transaction data of the account of the corresponding return special store based on the store identification data in the received return transaction message, and determine the expected transaction based on the read historical transaction data According to the transaction amount in the received return transaction message, the inquired account balance, and the determined expected transaction amount, determine whether the account balance of the return store is sufficient. In more detail, the accounting host 120 can calculate the daily transaction volume on the same day of each day, week or month based on historical transaction data, and perform statistics on the calculated daily transaction volume (such as average or median) , And use the calculated daily transaction amount as the expected transaction amount. Then, the accounting host 120 can add the total accounting balance and the expected transaction amount, and can compare whether the summed amount is greater than or equal to the transaction amount. If so, then It means that the account balance of the returned special store is sufficient. The accounting host 120 can generate a transaction resumption message indicating that the account balance is sufficient. On the contrary, it means that the account balance of the returned special store is insufficient. The accounting host 120 can generate a message indicating that the account balance is insufficient. The transaction continues to stop message. However, the manner in which the accounting host 120 determines the expected transaction amount is not limited to the foregoing. Among them, the historical transaction data can be all transaction data of the account of the special return store, or the transaction data of the account of the special return store during a specific time interval (such as the past year or six months or a quarter) or a specific transaction item .

The accounting host 120 can also read the account data of the account of the return store to determine whether the return store has applied for financing or loan based on the relevant information in the account information when the account balance of the special return store is insufficient. The store has applied for financing or loan. For example, the relevant information includes the financing limit or loan limit of the account of the return store and the financing/loan amount, then the accounting host 120 can judge the financing limit of the return store based on the financing/loan amount Or whether the loan limit has reached the upper limit. If so, the accounting host 120 can determine that the account balance of the return store is insufficient. If not, the accounting host 120 can base on the financing limit or the remaining balance of the loan limit (ie financing/loan limit minus Financing/Loan Amount) to refinance or loan to the return shop, that is, increase the account balance of the return shop, and again based on the transaction amount in the return transaction message, the increased account balance (and the estimated expected Transaction amount) Determine whether the account balance of the return store is sufficient.

In addition, if the accounting host 120 determines that the return shop has not applied for financing or loan, and if the relevant information includes the record of the return shop’s account of not applying for financing or loan, the accounting host 120 can rely on the historical transaction of the return shop’s account The data evaluates the financing limit or loan limit, and can send the estimated financing limit or loan limit to the returned special store manager according to the communication data of the return store manager recorded when opening the account of the return store to ask whether to proceed For financing or loan, if the accounting host 120 receives a response indicating financing or loan, the accounting host 120 can increase the account balance of the return store according to the evaluated financing or loan limit, and again according to the return transaction message The transaction amount and the increased account balance (and the estimated expected transaction amount) determine whether the account balance of the return store is sufficient. Among them, the communication data includes, but is not limited to, phone numbers, instant messaging accounts, application accounts, email addresses, etc. The accounting host 120 can send financing lines or loan lines to The person in charge of the return shop allows the person in charge of the return shop to operate a mobile phone, tablet, or computer and other computing devices. Send back the response to the receipt or rejection of financing or loans by means of text messages, instant messaging, application responses, emails, etc. Account host 120.

The accounting host 120 can also receive the transaction result message sent by the text server 130. The transaction result message mentioned in this creation can include the special store identification data and the transaction amount of the special store being returned.

The accounting host 120 can also perform the deduction operation of the return shop based on the received return transaction message (or transaction result message), that is, the accounting host 120 can be combined with the return transaction message (or transaction result message). The transaction amount in the return transaction message (or transaction result message) is deducted from the account of the return special store corresponding to the special store identification data, so that the account balance of the return special store reduces the transaction amount.

The accounting host 120 can also receive the scan code transaction details sent by the scan code transaction platform 150. The scan code transaction details mentioned in this creation may include one or more scan code transaction data, and each return transaction data includes a special store’s information. Special shop identification data, transaction amount and other transaction-related data items, such as transaction serial number, transaction time, etc.

The accounting host 120 can also calculate the net transaction value of each special store based on the received scan code transaction details, and can recalculate the account balance of the return special store based on the net transaction value of the return special store and the account balance of the return special store, that is, Add the net transaction value of the return shop and the account balance to the new account balance. Among them, the specific transaction net value can be positive, zero, or negative. In more detail, the accounting host 120 can compare the transaction serial number, transaction time and other transaction-related data items in the scan code transaction details to determine whether each return transaction data in the scan code transaction details has been based on the received returns The transaction message (or transaction result message) has performed a deduction operation. If it is, the return transaction data will be discarded without calculating the transaction net value. If not, the accounting host 120 can add up the transactions in the return transaction data The amount and the current net value of the transaction are used to calculate the new net value of the transaction until all return transaction data are discarded or added.

The account host 120 can also set corresponding special store identification data, and the account host 120 can access the account of the special store corresponding to the special store identification data set by the account host 120. Generally speaking, the accounting host 120 can provide the manager to input special store identification information.

The message server 130 is responsible for receiving the code scanning transaction message sent by the transaction client 110, and is responsible for judging whether the code scanning transaction performed by the transaction client 110 is a return based on the code scanning transaction message. Generally speaking, the text server 130 can determine whether the code scanning transaction is a return based on the specific data item in the code scanning transaction message, but this creation is not limited to this.

The text server 130 is also responsible for generating a return transaction message when determining that the code scanning transaction performed by the transaction client 110 is a return, and is responsible for sending the generated return transaction message to the accounting host 120. The message server 130 can read the store identification data and the transaction amount from the code scan transaction message according to the data format of the scan code transaction message, so as to generate a return transaction message including the store identification data and the transaction amount.

The message server 130 can also select to generate and send the return transaction message to the account host 120 or directly send the scan code transaction message to the scan code transaction platform 150 based on the store identification data in the scan code transaction message received from the transaction client 110 . For example, the message server 130 can determine whether the content of the store identification data in the code scan transaction message is the same as the store identification data corresponding to the accounting host 120. If so, the message server 130 can generate and send a return transaction The message is sent to the accounting host 120. If not, the message server 130 transmits the code scanning transaction message to the code scanning transaction platform 150. Wherein, the aforementioned store identification data corresponding to the accounting host 120 is pre-stored, and can be input by the administrator of the text server 130 or sent by the accounting host 120.

The message server 130 may also determine the type of the received scan code transaction message based on the specific data items in the scan code transaction message. When the message server 130 determines that the scan code transaction message is the main scan transaction message type, it may determine the type of the scan transaction message. Scan the data format of the transaction message to read out each data item in the scan code transaction message, and you can modify the content of some of the data items according to the data format of the scanned transaction message. Part of the data item combination generation type is the scan code transaction message of the scanned transaction message, so as to convert the scan code transaction message from the main scan transaction message to the scanned transaction message.

The text server 130 is also responsible for receiving the transaction resumption message sent by the accounting host 120, and is responsible for determining whether the received transaction resumption message indicates that the account balance is sufficient. The message server 130 may send the code scanning transaction message received from the transaction client 110 to the code scanning transaction platform 150 when it determines that the transaction resumption message indicates that the account balance is sufficient; the message server 130 may also indicate that the transaction resumption message indicates When the account balance is insufficient, a transaction result message indicating that the transaction is rejected is generated and the generated transaction result message is transmitted to the transaction client 110.

The message server 130 may also receive the transaction result message transmitted by the scan code transaction platform 150, and may transmit the received transaction result message to the transaction client 110. The message server 130 may determine the type of the received transaction result message based on the specific data items in the transaction result message. When the message server 130 determines that the transaction result message is the type of the scanned transaction message, it may determine the type of the transaction result message. The data format reads each data item in the transaction result message, and can modify the content of some data items according to the data format of the main scan transaction message, and combine the modified data items and all or part of the data items that have not been modified The transaction result message of the main scanning transaction message is generated to convert the transaction result message from the scanned transaction message to the main scanning transaction message.

The message server 130 can also determine whether the received transaction result message indicates a successful return. When the transaction result message indicates that the return is successful, the message server 130 may generate a transaction result message, and may transmit the generated transaction result message to the accounting host 120.

The scan code transaction platform 150 is responsible for receiving the scan code transaction message sent by the message server 130, and is responsible for executing the scan code transaction according to the received scan code transaction message. The code scanning transaction platform 150 is also responsible for generating a corresponding transaction result message after executing the code scanning transaction, and is responsible for transmitting the generated transaction result message to the message server 130.

The code scanning transaction platform 150 can also generate the code scanning transaction details corresponding to the accounting host 120, and can transmit the generated code scanning transaction details to the accounting host 120. Generally speaking, the scan code transaction platform 150 can generate scan code transaction details at regular intervals or in batches at a predetermined time, for example, at a fixed time each day (such as one o'clock in the morning, etc.), but this creation is not based on this. Is limited.

Next, an example is used to explain the operation of the system of this creation, and please refer to the flow chart of checking the balance of the return store account during the code scanning transaction mentioned in "Figure 2A" of this creation. In this embodiment, it is assumed that the transaction client 110 is the mobile phone used by the user, but this creation is not limited to this.

First, when the transaction client 110 performs a code scanning transaction, it can generate a code scanning transaction message, and can transmit the generated code scanning transaction message to the message server 130 (step 210). In this embodiment, it is assumed that the transaction client 110 can retrieve the QR code containing the special store identification data of the returned special store through the included image capturing component, and can obtain the returned product after analyzing the obtained QR code The special store identification data of the special store is used to generate a scan code transaction message containing the obtained special store identification data and the transaction amount entered by the user in the data format of the main scan transaction message.

After the message server 130 receives the code scanning transaction message generated by the transaction client 110, it can determine whether the code scanning transaction performed by the transaction client 110 is a return based on the received code scanning transaction message. Among them, the message server 130 can first check the received scan code transaction message through the verification code in the scan code transaction message, and can read the transaction type, Processing code, special store code (special store identification data) and other data items.

If the text server 130 determines that the code scanning transaction is not a return according to the data item of the processing code, the text server 130 may send the received code scanning transaction text to the code scanning transaction platform 150 (step 250); and if the text server 130 If the device 130 determines that the code scanning transaction is a return, the text server 130 may generate a return transaction message, and may send the generated return transaction message to the accounting host 120 (step 225). In this embodiment, it is assumed that the text server 130 can first determine whether the content in the data item of the shop code is the shop identification data corresponding to the account host 120 when the code scanning transaction is a return. If so, the text server The server 130 can generate a return transaction message that includes the store identification data, transaction amount, time stamp, and security code in the code-scanning transaction message. If not, the message server 130 can send the code-scanning transaction message to the code-scanning transaction platform 150 . Among them, the text server 130 may use the verification parameters pre-appointed with the accounting host 120 to calculate the return transaction message to generate the return hash value and encrypt the return transaction message, and use the encrypted return transaction message and the return hash value in a digital envelope (Digital Envlope) is sent to the accounting host 120.

After the account host 120 receives the return transaction message generated by the message server 130, it can determine whether the account balance of the returned store is sufficient according to the return transaction message (step 230). In this embodiment, it is assumed that after receiving the return transaction message and the return hash value, the accounting host 120 can perform calculations on the return transaction message according to the verification parameters agreed with the text server 130 to decrypt the return transaction message and verify it. The return miscellaneous value and the time stamp and security code in the return transaction message are used to verify that the return transaction message is correct and conforms to the specifications. After that, the accounting host 120 can query the corresponding returned goods based on the store identification data in the return transaction message The account balance of the special store, and compare the account balance inquired with the transaction amount in the return transaction message to determine whether the account balance of the returned special store is sufficient; in addition, the account balance of the returned special store is insufficient (also (That is, when the transaction amount is greater than the account balance), or after receiving the return transaction message generated by the teletext server 130, the accounting host 120 can also read the data based on the store identification data as shown in the process of "Figure 2C". Historical transaction data of the account of the returned store (step 231), and determine the expected transaction amount based on the historical transaction data read out (step 233), and the estimated transaction amount based on the transaction amount in the return transaction message , And the account balance currently inquired to determine whether the account balance of the returned store is sufficient (step 235), for example, compare the current account balance and the expected transaction amount with the transaction amount to determine the returned store Is your account balance sufficient?

After the accounting host 120 determines whether the account balance of the returned store is sufficient (step 230), it can generate a transaction stop message corresponding to the determined result, and can send the generated transaction stop message to the phone The text server 130 (step 239). In this embodiment, when the account balance inquired by the accounting host 120 is greater than or equal to the transaction amount in the return transaction message received by the accounting host 120 (or the sum of the current account balance and the expected transaction amount is greater than or equal to Transaction amount), the accounting host 120 can generate a transaction resumption message indicating that the account balance is sufficient, or as shown in the process of "Figure 2D", perform the deduction operation based on the return transaction message (step 237), and when the account When the balance is less than the transaction amount (and/or the sum of the current account balance and the expected transaction amount is less than the transaction amount), the accounting host 120 may generate a transaction resumption message indicating that the account balance is insufficient. Among them, the accounting host 120 can use the verification parameters pre-agreed with the text server 130 to calculate the transaction continuation message to generate the continuation hash value and encrypt the transaction continuation message, and combine the encrypted transaction continuation message and the continuation message. The hash value is sent to the message server 130 in a digital envelope.

After the message server 130 receives the transaction resumption message generated by the account host 120, the message server 130 calculates the return transaction message according to the verification parameters pre-arranged with the account host 120 to decrypt the transaction message message, and check it Resume the hash value and the timestamp and security code in the transaction resumption message to verify that the transaction message is correct and not tampered with and conforms to the specification. After that, the text server 130 can determine whether the received transaction resumption message represents the characteristic of being returned. Whether the store’s account balance is sufficient. When the transaction resumption message indicates that the account balance of the returned store is insufficient, the message server 130 can generate a transaction result message indicating that the transaction is rejected as shown in the process of "Figure 2E", and can send the generated transaction result The message is sent to the transaction client 110 (step 240); and when the message server 130 determines that the transaction resumption message indicates that the account balance of the returned store is sufficient, it can send the scan code transaction message generated by the transaction client 110 to the scan Code trading platform 150 (step 250). In this embodiment, it is assumed that as shown in the process shown in "Figure 2B", after the message server 130 determines that the transaction resumption message indicates that the account balance of the returned store is sufficient, it can be determined whether the code scanning transaction message is the main scan For transaction messages, if not, the message server 130 can directly send the scan code transaction message to the scan code transaction platform 150; and if the scan code transaction message is the main scan transaction message, the message server 130 can first send the scan code transaction message from The main scan transaction message is converted into a scanned transaction message (step 255), and the converted scan code transaction message is sent to the scan code transaction platform 150. For example, if the scanned transaction message can include transaction type, card number or account number, processing code, transaction amount, terminal transaction serial number, transaction date and time, acquiring bank code, terminal code, store code, order number or return number, chip data, or Original transaction information, verification code and other data items. In addition to all the data items of the scanned transaction message, the main scan transaction message can also include data items such as application ID and server ID. The message server 130 can be based on The processing code determines the type of the scan code transaction message. When the data of the processing code indicates that the scan code transaction message is the main scan transaction message, the message server 130 can modify the processing code to indicate that the scan code transaction message is the data of the scanned transaction message. And you can recombine the modified processing code and all other data items that do not contain the application ID and server ID into a scanned transaction message, and the generated scanned transaction message can be used as a scan code transaction message. At the same time, The message server 130 may also record application program identification codes and server identification codes that have not been added to the scanned transaction message.

After the scan code transaction platform 150 receives the scan code transaction message sent by the message server 130, the scan code transaction platform 150 can execute the corresponding scan code transaction according to the received scan code transaction message, and can execute the scan code transaction Then, a corresponding transaction result message is generated, and the generated transaction result message can be sent to the message server 130 (step 260). In this embodiment, the code scanning transaction executed by the scanning transaction platform 150 may be a payment transaction or a return transaction, and the data format of the scanned transaction result message may be used to generate the transaction result message.

After the message server 130 receives the transaction result message generated by the scanning transaction platform 150, the message server 130 may transmit the received transaction result message to the transaction client 110, and the transaction client 110 receives the message server After the transaction result message transmitted by the device 130, the transaction result of the scan code transaction can be displayed according to the received transaction result message (step 280). In this embodiment, if the message server 130 determines that the code scanning transaction message sent by the transaction client 110 is a scanned transaction message according to the processing code in the transaction result message, the message server 130 may directly send the transaction result message to The transaction client 110 enables the transaction client 110 to use the data format of the scanned transaction result message to read the data in the transaction result message; and if the message server 130 previously determined that the scan code transaction message sent by the transaction client 110 is the main one Scan the transaction message, after receiving the transaction result message, the message server 130 can read the transaction type, card number or account number, transaction amount, system date and time, and terminal transaction from the transaction result message according to the data format of the scanned transaction result message Serial number, acquiring bank code, response code, terminal code, store code, order number or return number, verification code, etc. data items, and you can replace the processing code with the data that represents the main scan transaction message, then use the main scan transaction The data format of the result message will be reorganized into a new transaction result message after the processing code after the replacement, the various data items read, and the previously recorded application ID and server ID are reorganized into a new transaction result message, and then the new result transaction message will be sent To the transaction client 110, the transaction client 110 can use the data format of the main scanning transaction result message to read the data in the transaction result message.

In this way, through this creation, the accounting host 120 can first confirm the account balance of the returned store when the transaction client 110 performs the code scanning transaction of the return, so as to reduce the situation that the specific account balance is insufficient for the refund.

In the above embodiment, if the accounting host 120 determines that the account balance of the returned store is insufficient (step 230), the accounting host 120 can further determine whether the returned store has applied for financing or a loan. If the special store has applied for financing or loan, the accounting host 120 can determine whether the financing limit or loan limit of the returned special store has reached the upper limit. If so, the accounting host 120 can determine that the account balance of the returned special store is insufficient. If not, the accounting host 120 can refinance or loan to the returned special store based on the financing line or the balance of the loan line of the returned special store, that is, increase the account balance of the returned special store, and judge the returned product again. Whether the account balance of the returned store is sufficient (step 230); and if the account host 120 determines that the returned store has not applied for financing or loan, the account host 120 can rely on the historical transaction of the returned store’s account The data evaluates the financing line or loan line, and can increase the account balance of the returned store based on the financing line or loan line, and judge whether the account balance of the returned store is sufficient (step 230). After the accounting host 120 again judges whether the account balance of the returned special store is sufficient based on the financing or loan amount of the returned special store, the accounting host 120 can generate the transaction continuation corresponding to the determined result. And send the generated transaction stop message to the text host 130 (step 239).

In the above embodiment, if the account host 120 determines that the account balance of the returned store is sufficient (step 230), it does not rely on the return received from the text server 130 as shown in the flow of "Figure 2D" The transaction message performs the deduction operation (step 237), as shown in "Figure 2F", the message server 130 can generate a transaction result message and send the generated transaction result message to the The accounting host 120 (step 271). After receiving the transaction result message, the accounting host 120 can perform a deduction operation according to the received transaction result message (step 275).

In addition, in the above-mentioned embodiment, after the transaction client 110 displays the transaction result of the scan code transaction according to the transaction result message received from the message server 130 (step 280), the scan code transaction platform 150 can send batch generation to be performed through the accounting host 120 The scan code transaction details corresponding to the account host 120 of the scan code transaction, and the generated scan code transaction details can be transmitted to the corresponding account host 120 (step 291), and the account host 120 receives the scan code transaction After the details, you can calculate the net transaction value of all specialty stores based on the received scan code transaction details, and add the transaction net value of each specialty store to the current account balance to calculate the new account balance of each specialty store ( Step 295).

To sum up, it can be seen that the difference between this creation and the previous technology is that when the account server judges that the scan code transaction is a return on the text server, it further determines whether the account balance of the returned store is greater than or equal to the scan code transaction transaction. The amount, if yes, the message server will send the scan code transaction message to the scan code transaction platform to complete the scan code transaction, if not, the message server will reject the technical means of the transaction, and the previous technology can be solved by this technical means There may be a problem that the account balance of the special store is not enough to pay the return amount when the scan code transaction is returned, thereby achieving the technical effect of reducing bank advances and reducing the risk of bad debts.

In addition, the computing device of the system for checking the account balance of the return shop during the code scanning transaction can be implemented by hardware or a combination of hardware and software, or implemented in a centralized manner in a computer system or with different components. Distributed in a number of interconnected computer systems implemented in a decentralized manner.

Although the implementation method disclosed in this creation is as above, the content described is not used to directly limit the scope of patent protection of this creation. Any person with ordinary knowledge in the technical field to which this creation belongs, without departing from the spirit and scope of this creation, makes a little modification in the form and details of the implementation of this creation, and it belongs to the patent protection of this creation. Scope. The scope of patent protection for this creation shall still be subject to the scope of the attached patent application.

110: Trading Client 120: Accounting host 130: Text Server 150: Scan code trading platform Step 210: The transaction client generates a scan code transaction message when performing a scan code transaction, and transmits the scan code transaction message to the message server Step 225: The message server sends a return transaction message to the accounting host when it judges that the scan code transaction is a return according to the scan code transaction message Step 230: The accounting host judges whether the account balance of the return store account is sufficient Step 231: The accounting host reads the historical transaction data of the return store account based on the store identification data Step 233: The accounting host determines the expected transaction amount based on historical transaction data Step 235: The accounting host determines whether the account balance is sufficient based on the transaction amount, account balance and expected transaction amount in the return transaction message Step 237: When the account balance in the return store account is sufficient, the billing host performs the deduction operation based on the return transaction message Step 239: The accounting host generates a corresponding transaction continuation message, and sends the transaction continuation message to the text server Step 240: When the message server determines that the transaction continued stop message indicates that the account balance is insufficient, it generates a transaction result message indicating that the transaction is rejected, and sends the transaction result message to the transaction client Step 250: When the message server judges that the transaction continues to stop the message indicating that the account balance is sufficient or judges that the scan code transaction is not a return based on the scan code transaction message, it sends the scan code transaction message to the scan code transaction platform Step 255: When the message server determines that the code scanning transaction message is the main scanning transaction message, it converts the code scanning transaction message to the scanned transaction message Step 260: The scan code transaction platform executes the scan code transaction according to the scan code transaction message, and transmits the transaction result message to the message server Step 271: When the message server determines that the transaction result message indicates that the return is successful, it sends the transaction result message to the accounting host Step 275: The accounting host executes the deduction operation according to the transaction result message Step 280: The message server sends the transaction result message to the transaction client, and the transaction client displays the result of the scan code transaction according to the transaction result message Step 291: The scan code transaction platform sends the scan code transaction details to the accounting host Step 295: The accounting host calculates the net transaction value of the special shop based on the transaction details of the scan code, and updates the account balance of the special shop according to the net transaction value of the special shop

Figure 1 is a diagram of the system architecture proposed by the author for checking the balance of the return store account during the QR code transaction process. Figure 2A is the flow chart of checking the account balance of the return shop during the code scanning transaction. Figure 2B is the flow chart of the conversion scan code transaction message mentioned in the creation. Figure 2C is the flow chart for judging whether the account balance is sufficient based on historical transaction records. Figure 2D is the flow chart of the deduction operation of the accounting host proposed by the author. Figure 2E is the flow chart of the message server rejecting the code scanning transaction mentioned in the creation. Figure 2F is the flow chart of the deduction operation of another account host mentioned in the creation. Figure 2G is the flow chart of the message server rejecting the code scanning transaction mentioned in the creation.

110: Trading Client

120: Accounting host

130: Text Server

150: Scan code trading platform

Claims (11)

A system for checking the account balance of a return store during a code scanning transaction. The system at least includes: A transaction client terminal for generating a scan code transaction message when performing a scan code transaction; A message server for receiving the scanning code transaction message, and generating a return transaction message when the scanning code transaction is judged as a return based on the scanning code transaction message, wherein the return transaction message includes a special store identification data; An accounting host for receiving the return transaction message, and for judging whether the account balance of a return special store corresponding to the special store identification data is sufficient to generate a corresponding transaction continuation message based on the return transaction message , And send the transaction resumption message to the text server so that the text server can determine whether the transaction resumption message indicates that the account balance is sufficient; and A scan code transaction platform for receiving the scan code transaction message sent by the message server when the transaction resumption message indicates that the account balance is sufficient, and used to execute the scan code transaction based on the scan code transaction message and generate a The transaction result message, and the transaction result message is sent to the message server, the message server is further used to send the transaction result message to the transaction client, and the transaction client is further used to display the scan code based on the transaction result message The result of the transaction. For example, the system for checking the account balance of the return shop during the code scanning transaction described in claim 1, wherein the message server is further used to determine that the code scanning transaction message is the main scanning transaction message and convert the scanning transaction message The transaction message was scanned. For example, the system for checking the account balance of the return shop during the code scanning transaction described in claim 1, wherein the text server is further used to determine that the transaction resumption message indicates that the account balance is insufficient, and generate the transaction indicating that the transaction is rejected The result message, and the transaction result message is sent to the transaction client. For example, the system for checking the account balance of the return shop during the code scanning transaction described in claim 1, wherein the accounting host is further used to perform a deduction operation based on the return transaction message, or to determine the transaction based on the text server The result message indicates that a transaction result message is generated when the return is successful, and the deduction is performed. For example, the system for checking the account balance of the return shop during the code scanning transaction process described in claim 1, wherein the code scanning transaction platform is further used to transmit a code scanning transaction detail to the accounting host, and the accounting host is further used for the basis The scan code transaction details calculate the net transaction value of the special return store and update the account balance based on the net transaction value of the special return store. For example, the system for checking the account balance of the return shop during the code scanning transaction described in claim 1, wherein the accounting host is further used to read the historical transaction data of one of the return shop based on the identification data of the special shop, and according to The historical transaction data determines an expected transaction amount and/or evaluates a loan limit or a financing limit, and is based on the transaction amount in the return transaction message, the account balance, and the expected transaction amount and/or the loan limit or the financing The quota determines whether the account balance is sufficient. For example, the system for checking the account balance of the return shop during the code scanning transaction described in claim 6, wherein the accounting host is further used to transmit the financing amount based on the communication data of one of the return shop’s responsible persons of the return shop Or the loan amount is given to the person in charge of the special return shop, and used to increase the return value of the special shop according to the financing amount and the loan amount when receiving a response indicating financing or loan sent by the person in charge of the return special shop account balance. For example, the system for checking the account balance of the return shop during the code scanning transaction described in claim 1, wherein the accounting host is further used to read a financing limit and a financing amount of the return shop based on the identification data of the special shop Amount or a loan amount and a loan amount, and judge whether the account balance is sufficient based on the transaction amount in the return transaction message, the account balance, and the loan amount or the remaining balance of the financing amount. For example, the system for checking the account balance of the return shop during the code scanning transaction as described in claim 1, wherein the accounting host is further used to determine whether one of the shop identification data in the code scanning transaction message corresponds to the accounting host And choose to generate and send the return transaction message or send the scan code transaction message to the scan code transaction platform. For example, the system for checking the account balance of the return shop during the code scanning transaction described in claim 1, wherein the text server is further used to use a verification parameter agreed with the accounting host to calculate the return transaction message, the account The service host is further used to use the verification parameter agreed with the text server to calculate the return transaction message to verify and check the return transaction message. For example, the system for checking the account balance of the return shop during the code scanning transaction as described in claim 1, wherein the accounting host is further used to calculate the transaction resumption message using a verification parameter agreed with the text server, the The text server is further used to use the verification parameter agreed with the accounting host to calculate the transaction continuation message to verify and check the transaction continuation message.

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