WO2017118306A1 - 业务回退方法及装置 - Google Patents

业务回退方法及装置 Download PDF

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Publication number
WO2017118306A1
WO2017118306A1 PCT/CN2016/112022 CN2016112022W WO2017118306A1 WO 2017118306 A1 WO2017118306 A1 WO 2017118306A1 CN 2016112022 W CN2016112022 W CN 2016112022W WO 2017118306 A1 WO2017118306 A1 WO 2017118306A1
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WO
WIPO (PCT)
Prior art keywords
refund
cross
service
amount
border
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2016/112022
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English (en)
French (fr)
Inventor
王新军
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Alibaba Group Holding Ltd
Original Assignee
Alibaba Group Holding Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Alibaba Group Holding Ltd filed Critical Alibaba Group Holding Ltd
Priority to SG11201805759PA priority Critical patent/SG11201805759PA/en
Priority to JP2018553288A priority patent/JP2019501471A/ja
Priority to KR1020187022643A priority patent/KR20180108648A/ko
Publication of WO2017118306A1 publication Critical patent/WO2017118306A1/zh
Priority to US16/026,986 priority patent/US20180322476A1/en
Priority to PH12018501426A priority patent/PH12018501426A1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/01—Customer relationship services
    • G06Q30/015—Providing customer assistance, e.g. assisting a customer within a business location or via helpdesk
    • G06Q30/016—After-sales
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present application relates to the field of communications, and in particular, to a service fallback method and apparatus.
  • the present application provides a service fallback method, which includes:
  • the pre-stored back-off reference information corresponding to the service is read;
  • the method further includes:
  • Reading the back-off reference information carried in the service request when receiving the service request of the service when receiving the service request of the service;
  • the read back reference information is stored in association with the service locally.
  • the service includes a cross-border settlement service; the service rollback includes a cross-border settlement refund; the fallback reference information includes exchange rate information at the time of cross-border settlement; and the service fallback information is included in the execution cross- The amount of refund for the settlement of the refund.
  • the service when the service is a cross-border settlement service, the service is rolled back to a cross-border settlement refund, and the back-off reference information is exchange rate information at the time of cross-border settlement, and the service fallback information is executed.
  • the cross-border settlement of the refund amount when the refund is performed, the calculating the corresponding service fallback information based on the read back reference information includes:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is converted into the national currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read;
  • the exchange rate information converts the national currency of the target amount into the foreign currency of the corresponding amount
  • the target amount is the amount actually paid at the time of the cross-border settlement.
  • the completing the service rollback for the service based on the calculated service rollback information includes:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and the corresponding account is converted by the intermediate account.
  • the amount of the national currency is returned to the user;
  • the converted foreign currency of the corresponding amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and returned to the user through the intermediate account.
  • the national currency of the target amount is based on the refund of the national currency amount.
  • the application further provides a service fallback device, the device comprising:
  • a first reading module configured to: read a pre-stored back-off reference information corresponding to the service when receiving a service back-off request for the completed service;
  • a first calculation module configured to calculate corresponding service backoff information based on the read back reference information
  • the first back-off module is configured to complete service rollback for the service based on the calculated service rollback information.
  • the device further includes:
  • a second reading module configured to read the back-off reference information carried in the service request when receiving a service request of the service
  • the first storage module is configured to store the read back reference information in association with the service locally.
  • the service includes a cross-border settlement service; the service rollback includes a cross-border settlement refund; the fallback reference information includes exchange rate information at the time of cross-border settlement; and the service fallback information is included in the execution cross- The amount of refund for the settlement of the refund.
  • the service when the service is a cross-border settlement service, the service is rolled back to a cross-border settlement refund, and the back-off reference information is exchange rate information at the time of cross-border settlement, and the service fallback information is executed.
  • the refund amount is refunded during cross-border settlement
  • the first calculation module is specifically used to:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is converted into the national currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read;
  • the national currency of the target amount is converted into the foreign currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read;
  • the target amount is the amount actually paid at the time of the cross-border settlement.
  • the first back-off module is specifically configured to:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and the corresponding account is converted by the intermediate account.
  • the amount of the national currency is returned to the user;
  • the converted foreign currency of the corresponding amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and returned to the user through the intermediate account.
  • the national currency of the target amount is based on the refund of the national currency amount.
  • the application also proposes a refund method for cross-border settlement, the method comprising:
  • a refund for the cross-border settlement service is completed based on the calculated refund amount at the time of execution of the cross-border settlement refund.
  • the method further includes:
  • the exchange rate information at the time of the cross-border settlement that is read is stored in association with the cross-border settlement service locally.
  • the calculating, according to the exchange rate information at the time of the cross-border settlement, the refund amount when performing the cross-border settlement refund includes:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is converted into the national currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read;
  • the national currency of the target amount is converted into the foreign currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read;
  • the target amount is the amount actually paid at the time of the cross-border settlement.
  • the completing the refund for the cross-border settlement service based on the calculated refund amount when performing the cross-border settlement refund includes:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and the corresponding account is converted by the intermediate account.
  • the amount of the national currency is returned to the user;
  • the converted foreign currency of the corresponding amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and returned to the user through the intermediate account.
  • the national currency of the target amount is based on the refund of the national currency amount.
  • the application also proposes a refund device for cross-border settlement, the device comprising:
  • a third reading module configured to read exchange rate information of the pre-stored cross-border settlement when receiving the refund request for the completed cross-border settlement service
  • a second calculating module configured to calculate, according to the read exchange rate information at the time of the cross-border settlement, a refund amount when performing a cross-border settlement refund
  • a second back-off module configured to complete a refund for the cross-border settlement service based on the calculated refund amount when the cross-border settlement refund is performed.
  • the device further includes:
  • a fourth reading module configured to read exchange rate information during cross-border settlement carried in the payment request when receiving a payment request for a cross-border settlement service
  • the second storage module is configured to store the exchange rate information at the time of the cross-border settlement that is read and the cross-border settlement service locally.
  • the second calculating module is specifically configured to:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is converted into the national currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read;
  • the national currency of the target amount is converted into the foreign currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read;
  • the target amount is the amount actually paid at the time of the cross-border settlement.
  • the second backoff module is specifically configured to:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and the corresponding account is converted by the intermediate account.
  • the amount of the national currency is returned to the user;
  • the converted foreign currency of the corresponding amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and returned to the user through the intermediate account.
  • the national currency of the target amount is based on the refund of the national currency amount.
  • the pre-stored back-off reference information corresponding to the service is read, and the corresponding reference information is calculated based on the read back-off reference information.
  • the exchange rate information of the pre-stored cross-border settlement is read, and based on the reading
  • the exchange rate information at the time of the cross-border settlement to calculate the refund amount when performing the cross-border settlement refund, and complete the refund based on the calculated refund amount when performing the cross-border settlement refund
  • the refund of the settlement business realizes the refund of the cross-border settlement based on the exchange rate information at the pre-stored cross-border settlement, thereby preventing the user from causing losses to the user due to exchange rate fluctuations during the refund process.
  • FIG. 1 is a flowchart of a service fallback method according to an embodiment of the present application.
  • FIG. 2 is a flowchart of a method for refunding cross-border settlement according to an embodiment of the present application
  • 3 is a flow chart of payment settlement for cross-border settlement according to an embodiment of the present application.
  • FIG. 4 is a flow chart of a refund settlement for cross-border settlement according to an embodiment of the present application.
  • FIG. 5 is a logic block diagram of a service fallback device according to an embodiment of the present application.
  • FIG. 6 is a hardware structural diagram of a server that carries the service backoff device according to an embodiment of the present disclosure
  • FIG. 7 is a logic block diagram of a refund device for cross-border settlement according to an embodiment of the present application.
  • FIG. 8 is a hardware structural diagram of a server of a refund device that carries the cross-border settlement according to an embodiment of the present application.
  • FIG. 1 is a method for service rollback provided by an embodiment of the present application, which is applied to a server, and the method performs the following steps:
  • Step 101 When receiving a service backoff request for the completed service, reading the pre-stored back-off reference information corresponding to the service;
  • Step 102 Calculate corresponding service backoff information based on the read back reference information.
  • Step 103 Complete a service rollback for the service based on the calculated service rollback information.
  • the server may include a server that provides a server for a user's service client, a server cluster, or a service platform built based on a server cluster; the client may include a client soft for providing services to the user. Pieces.
  • the user can trigger the client to send a service request to the server by performing a predetermined operation in the service interface provided by the client.
  • the client when the foregoing service is a cross-border settlement service, the client may be an Alipay client that provides a cross-border settlement service for the user, and the service interface may be a payment interface provided by an Alipay client, and the server may be a user-oriented interface.
  • the Alipay platform that the Alipay client provides services, the above-mentioned business peer can be a cross-border e-commerce platform.
  • the user may perform a predetermined operation through the payment interface provided by the Alipay client to trigger the Alipay client to send a payment request to the Alipay platform; wherein the subscription operation may generally include the user paying the purchase order for the foreign currency commodity.
  • Confirmation operation for example, a confirmation button for confirming payment can be provided in the payment interface. After the user checks the amount of the order and the product is correct, the confirmation button can be clicked to trigger the Alipay client to send a payment request to the Alipay platform. .
  • the client when the client sends a service request to the server, the client may pre-load the back-off reference information in the service request, where the back-off reference information is used when the user passes the client again after the service is executed.
  • the server When the server sends a service fallback request for the service, the server may perform a service rollback operation on the completed service based on the fallback reference information.
  • the backoff reference information may be obtained by the client after querying the service peer.
  • the client Before sending a service request to the server, the client may send a query request for querying the rollback reference information to the service peer. After receiving the query request, the service peer may return the rollback reference information to the client. After receiving the back-off reference information returned by the service peer, the client may display the back-off reference information to the user in the service interface.
  • back-off reference information may be independently set by the service peer, or may be obtained by the client and the service peer through message interaction negotiation.
  • the foregoing back-off reference information may be exchange rate information when performing cross-border settlement, and the Alipay client may send a settlement to the cross-border e-commerce platform before initiating a payment request to the Alipay platform.
  • the exchange rate inquiry request when the cross-border e-commerce platform receives the query request, can directly obtain the current exchange rate, and then set the obtained current exchange rate as the settlement exchange rate to return to the Alipay client; or, the Alipay client to the Alipay Before the platform initiates the payment request, the user can communicate with the remote merchants across the border through the instant chat tool provided by the Alipay client to negotiate the settlement exchange rate.
  • the cross-border e-commerce platform can be set based on the negotiation result.
  • the settlement exchange rate may be presented to the user in the payment interface to prompt the user to complete the payment based on the settlement exchange rate.
  • the server after receiving the service request sent by the client, the server can read the carried in the service request.
  • the rollback reference information is stored in association with the service corresponding to the service request, and the back-off reference information is queried when the service is backed up for the service.
  • the server After the server performs the local storage of the fallback reference information carried in the service request, the server can perform the service according to the received service request and the corresponding service peer.
  • the Alipay platform when the above-mentioned service is a cross-border settlement service, after the Alipay platform receives the payment request for the cross-border settlement initiated by the Alipay client, the Alipay platform can purchase the foreign exchange settlement based on the payment amount carried in the payment request, and cross-border The e-commerce platform sends transaction information to complete payment settlement.
  • the user may also initiate a service rollback for the completed service to the server through the client.
  • the user can perform a predetermined operation in the service interface provided by the client, and trigger the client to send a service backoff request for the completed service to the server.
  • the server may read the pre-stored service rollback parameter associated with the service, and then calculate corresponding service rollback information based on the service rollback parameter, where
  • the service rollback information may include information or parameters required for the service to successfully complete the service rollback.
  • the server calculates the corresponding service rollback information based on the service rollback parameter, the service rollback operation for the completed service can be completed according to the calculated service rollback information.
  • the above-mentioned service rollback may include a cross-border settlement refund
  • the service rollback information may include a refund amount when performing a cross-border settlement refund.
  • the Alipay client is triggered to issue a refund request to the Alipay platform by clicking the confirmation button.
  • the Alipay platform can read the pre-stored settlement rate of the order associated with the completed order at the time of cross-border settlement, and then calculate the actual refund amount based on the settlement exchange rate.
  • the server calculates the actual refund amount based on the settlement exchange rate, the cross-border refund settlement for the completed order can be completed based on the calculated refund amount.
  • the service request carries the back-off reference information for performing service rollback
  • the server can pre-store the back-off reference information.
  • the server can read and store the back-off reference information to complete the The service rollback of the service is completed, so that the rollback based on the storage can be performed to accurately complete the service rollback based on the pre-stored backoff reference information.
  • the above-mentioned service is a cross-border settlement service
  • the client is a payment client
  • the server is an Alipay platform
  • FIG. 2 is a cross-border settlement refund method provided in an application scenario of cross-border settlement according to an embodiment of the present application.
  • the execution body of the method may be a server, and the method performs the following steps:
  • Step 201 When receiving a refund request for the completed cross-border settlement service, reading the exchange rate information of the pre-stored cross-border settlement;
  • Step 202 Calculate a refund amount when performing a cross-border settlement refund based on the read exchange rate information at the time of the cross-border settlement;
  • Step 203 Complete a refund for the cross-border settlement service based on the calculated refund amount when the cross-border settlement refund is performed.
  • the client may be an Alipay client that provides a cross-border settlement service for the user.
  • the service interface may be a payment interface provided by the Alipay client
  • the server may be an Alipay platform that provides services for the user-facing Alipay client.
  • the peer can be a cross-border e-commerce platform (such as the Amazon e-commerce platform).
  • FIG. 3 is a flowchart of a cross-border payment settlement according to an embodiment of the present invention.
  • the user when purchasing a foreign currency commodity, the user can select a foreign currency commodity to be purchased in the cross-border e-commerce platform, and perform a shopping order operation.
  • the e-commerce platform can verify the identity of the user to ensure that the user operates as a user; for example, a verification code can be sent based on the mobile phone number reserved by the user, when the user is After the verification code is successfully entered in the user interface, the identity verification is passed. After the user's identity verification is passed, the user can apply for payment settlement to the e-commerce platform.
  • a plurality of payment platforms including the Alipay platform cooperate with the e-commerce platform may be provided in advance, and when the user applies for payment settlement, the user may select the Alipay in the user interface. Payment settlement.
  • the cross-border e-commerce platform can jump from the current user interface to the payment interface of the Alipay client.
  • information such as order information, product information, and settlement amount related to the current payment settlement will be presented to the user for verification by the user.
  • the Alipay client can also initiate a settlement exchange rate inquiry to the cross-border e-commerce platform in the background; for example, the Alipay client can send a solution to the e-commerce platform in the background.
  • the inquiry request for clearing the exchange rate when the e-commerce platform receives the query request, it can return to the Alipay client Returns the corresponding settlement rate.
  • the settlement exchange rate may be independently set by the cross-border e-commerce platform, or may be obtained by the user and the cross-border remote merchant through message interaction negotiation.
  • the cross-border e-commerce platform when the cross-border e-commerce platform receives the inquiry request for the settlement rate mentioned above, the exchange rate of the current day can be directly obtained, and then the acquired current exchange rate is set as the settlement exchange rate and returned to the Alipay. Client.
  • the user can communicate with the remote merchants across the border through the Alipay client or the instant chat tool provided by the cross-border e-commerce platform to negotiate the settlement exchange rate.
  • the e-commerce platform can set the settlement rate based on the negotiation result and return it to the Alipay client.
  • the settlement exchange rate may be presented to the user in the payment interface to prompt the user to complete the payment based on the settlement exchange rate.
  • a confirmation button for confirming the payment may be provided in advance in the payment interface. After the user checks the amount of the order and the product is correct, the confirmation button may be clicked to trigger the Alipay client to send a payment request to the Alipay platform.
  • the payment client may pre-carry the above-mentioned settlement exchange rate in the payment request when the payment request is sent to the Alipay platform.
  • the Alipay client may assemble the settlement rate into a specified format and carry the extension field in the payment request. In, sent to the Alipay platform.
  • the settlement exchange rate is used after the payment of the order is completed, and when the user again initiates a refund request for the order to the Alipay platform through the Alipay client, the Alipay platform can perform a corresponding refund operation based on the settlement exchange rate.
  • the Alipay platform can be pre-divided into a paycore subsystem and a tradecore subsystem, wherein the paycore subsystem is used to process orders for users. And receiving a payment request sent by the Alipay client and transparently transmitting the received payment request to the tradecore subsystem.
  • the Tradecore subsystem is used to interact with cross-border e-commerce platforms based on payment requests transparently transmitted by the paycore subsystem, complete payment settlement, and complete refund settlement when a user applies for a refund.
  • the Alipay platform is divided into subsystems, in addition to the above described Alipay platform is divided into paycore subsystem and tradecore subsystem, the Alipay platform can be divided into other types of subsystems according to actual business needs. No particular limitation is imposed in the present application.
  • the payment request when the paycore subsystem receives the payment request sent by the Alipay client, the payment request can be transparently transmitted to the tradecore subsystem. After the tradecore subsystem receives the payment request, the above settlement rate carried in the payment request may be read, and then the settlement exchange rate is locally corresponding to the payment request. Single-associated storage, in which the aspect is subsequently queried when performing a cross-border settlement refund for the order.
  • the payment settlement may be completed locally according to the received payment request, for example, the tradecore subsystem may be based on the payment settlement amount in the payment request.
  • the user's RMB account is debited.
  • the order transaction is successful at this time.
  • the Alipay client can query the current transaction status of the order by sending a query message for querying the transaction status to the paycore subsystem. Since the order has been successfully traded, paycore After the subsystem queries the tradecore subsystem that the order is successful, it can return a payment success notification to the Alipay client. After receiving the notification, the Alipay client can send a notification of successful payment to the merchant through the e-commerce platform. At the same time, you can also send a notification to the user that the purchase was successful.
  • the tradecore subsystem can continue to send a successful transaction message to the cross-border e-commerce platform, and then exchange and purchase the exchange, and convert the successful transaction amount into corresponding
  • the foreign currency of the amount is transferred to the remote merchants across the border.
  • the payment settlement is completed at this time.
  • FIG. 4 is a flow chart of a cross-border refund settlement according to an embodiment of the present invention.
  • the user after the user successfully purchases the foreign currency commodity, if the user is unsatisfied with the product and needs to apply for a refund, the user can initiate a refund to the Alipay platform through the Alipay client.
  • the Alipay client or the e-commerce platform can provide a refund interface for the user.
  • the refund interface the amount of the refund and the product information can be presented to the user; meanwhile, in the refund interface, A confirmation button for confirming the refund can be provided. After the user has verified the refund amount of the order, the confirmation button can be clicked to trigger the Alipay client to send a refund request to the Alipay platform.
  • the Alipay platform can still verify the identity of the user to determine that the user operates. After the user's identity verification is successful, the pre-stored settlement rate of the order associated with the completed order at the time of payment settlement may be read, and then the actual refund amount is calculated based on the settlement exchange rate.
  • the user can also choose the refund method when invoking the refund.
  • a refund method that can be selected by the user can be provided.
  • the refund method provided in the refund interface may include refunding based on the foreign currency amount and refunding based on the RMB amount (in this example, RMB is the national currency as an example). ).
  • RMB is the national currency as an example.
  • the Alipay platform can directly The foreign currency of the target amount is deducted from the account of the remote merchant in the cross-border and returned to the preset foreign currency fund pool.
  • the target amount is the amount actually paid by the user when performing payment settlement of the order. For example, when a user settles a payment for a dollar of goods, the user pays 6.3 yuan. In this case, the target amount of the foreign currency paid by the user is 1 dollar, and the target amount of the user paying the renminbi is 6.3 yuan.
  • the Alipay platform can read and store the settlement exchange rate associated with the order, and then convert the target foreign currency into a foreign currency based on the read settlement rate.
  • the corresponding amount of RMB is returned, and the converted equivalent amount of RMB is returned to the user's account through the intermediate account.
  • the user's refund process is completed. Since the entire process is still independent of the current exchange rate, there is no loss to the user.
  • the Alipay platform can read and store the settlement exchange rate associated with the order, based on the read settlement rate, and the target amount.
  • the RMB is converted into the foreign currency of the corresponding amount, and then the Alipay platform can deduct the converted foreign currency from the account of the remote merchant in the cross-border and return it to the preset foreign currency fund pool.
  • the remote merchant's refund process for the cross-border is completed. Since the entire process is independent of the current exchange rate, there is no loss to the merchant.
  • the Alipay platform can also return the target amount of RMB to the user's account through the intermediate account.
  • the RMB of the target amount is the amount of RMB actually paid by the user when performing payment settlement for the order.
  • the user's refund process is completed. Since the entire process is still independent of the current exchange rate, there is no loss to the user.
  • the entire refund process ends.
  • the refund process for cross-border merchants is completed through the foreign currency fund pool, and the return process for the user is completed through the intermediate account, and the foreign currency fund pool and the intermediate account do not interfere with each other.
  • the Alipay platform It will not cause any loss, and it will also save the user's cumbersome exchange and purchase of foreign exchange, thus helping to enhance the user experience.
  • the pre-stored back-off reference information corresponding to the service is read, and is calculated based on the read back reference information.
  • the service rollback information is completed, and the service rollback for the service is completed based on the calculated service rollback information, so that the service rollback can be accurately completed based on the pre-stored rollback reference information.
  • the exchange rate information of the pre-stored cross-border settlement is read, and based on the reading
  • the exchange rate information obtained during the cross-border settlement is calculated as a refund amount when performing a cross-border settlement refund, and based on the calculated refund amount when performing the cross-border settlement refund is completed for the cross
  • the refund of the settlement business realizes the refund of the cross-border settlement based on the exchange rate information at the pre-stored cross-border settlement, thereby preventing the user from causing losses to the user due to exchange rate fluctuations during the refund process.
  • the present application also provides an embodiment of the device.
  • the present application provides a service fallback device 50, which is applied to a server.
  • the hardware architecture involved in the server that carries the service fallback device 50 generally includes processing.
  • a hardware-integrated logic device, the device 50 comprising:
  • the first reading module 501 is configured to: read the pre-stored back-off reference information corresponding to the service when receiving the service back-off request for the completed service;
  • the first calculating module 502 is configured to calculate corresponding service backoff information based on the read back reference information
  • the first back-off module 503 is configured to complete service rollback for the service based on the calculated service rollback information.
  • the device 50 may further include:
  • the second reading module 504 is configured to read the back-off reference information carried in the service request when receiving the service request of the service;
  • the first storage module 505 is configured to store the read back reference information in association with the service locally.
  • the service may include a cross-border settlement service; the service fallback may include a cross-border settlement refund; the fallback reference information may include exchange rate information at the time of cross-border settlement; the service fallback information This can include the amount of the refund when performing a cross-border settlement refund.
  • the service when the service is a cross-border settlement service, the service is rolled back to a cross-border settlement refund, and the The reference information is the exchange rate information at the time of the cross-border settlement, and the service calculation information is the refund amount when the cross-border settlement refund is executed, and the first calculation module 502 is specifically configured to:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is converted into the national currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read;
  • the domestic currency of the target amount is converted into the foreign currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read.
  • the target amount is the amount actually paid at the time of the cross-border settlement.
  • the first backout module 503 is specifically configured to: when performing a refund amount for a cross-border settlement refund:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and the corresponding account is converted by the intermediate account.
  • the amount of the national currency is returned to the user;
  • the converted foreign currency of the corresponding amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and returned to the user through the intermediate account.
  • the national currency of the target amount is based on the refund of the national currency amount.
  • the present application provides a cross-border settlement refund apparatus 70, which is applied to a server.
  • a server that carries the service fallback device 70
  • the CPU the memory
  • the non-volatile memory the non-volatile memory
  • the network interface the internal bus
  • the service back-off device 70 can be generally understood as a computer program loaded in the memory, which is formed after the CPU runs.
  • a logical device combining hardware and software, the device 70 comprising:
  • the third reading module 701 is configured to: when receiving the refund request for the completed cross-border settlement service, read the exchange rate information of the pre-stored cross-border settlement;
  • a second calculating module 702 configured to calculate, according to the read exchange rate information at the time of the cross-border settlement, a refund amount when performing a cross-border settlement refund;
  • the second fallback module 703 is configured to complete a refund for the cross-border settlement service based on the calculated refund amount when the cross-border settlement refund is performed.
  • the device 70 may further include:
  • the fourth reading module 704 is configured to read the exchange rate information of the cross-border settlement carried in the payment request when receiving the payment request of the cross-border settlement service;
  • the second storage module 705 is configured to store the exchange rate information at the time of the cross-border settlement that is read and the cross-border settlement service locally.
  • the second calculating module 702 is specifically configured to:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is converted into the national currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read;
  • the domestic currency of the target amount is converted into the foreign currency of the corresponding amount based on the exchange rate information at the time of the cross-border settlement read.
  • the target amount is the amount actually paid at the time of the cross-border settlement.
  • the second backoff module 703 is specifically configured to:
  • the refund method selected by the user is based on the refund of the foreign currency amount
  • the foreign currency of the target amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and the corresponding account is converted by the intermediate account.
  • the amount of the national currency is returned to the user;
  • the converted foreign currency of the corresponding amount is deducted from the account of the cross-border merchant, returned to the preset foreign currency fund pool, and returned to the user through the intermediate account.
  • the national currency of the target amount is based on the refund of the national currency amount.

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Abstract

一种业务回退方法及装置，其中的方法包括：当接收到针对已完成业务的业务回退请求时，读取预存储的与所述业务对应的回退参考信息（101）；基于读取到的所述回退参考信息计算对应的业务回退信息（102）；基于计算出的所述业务回退信息完成针对所述业务的业务回退（103）。本方法和装置可以实现基于预存储的回退参考信息精确的完成业务回退。

Description

业务回退方法及装置
本申请要求2016年01月04日递交的申请号为201610006828.7、发明名称为“业务回退方法及装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及通信领域，尤其涉及一种业务回退方法及装置。
背景技术
用户在购买外币商品进行跨境结算时，如果需要进行退款，跨境商户通常会将外币金额退款用户，用户需要自己登陆网银等进行主动购汇才能拿到人民币金额，操作相对繁琐，而且由于汇率波动，用户担心退款后，由于购汇结汇等问题导致自己亏损，因此会导致用户对购买外币商品的兴趣大减。
发明内容
本申请提出一种业务回退方法，该方法包括：
当接收到针对已完成业务的业务回退请求时，读取预存储的与所述业务对应的回退参考信息；
基于读取到的所述回退参考信息计算对应的业务回退信息；
基于计算出的所述业务回退信息完成针对所述业务的业务回退。
可选的，所述方法还包括：
当接收到所述业务的业务请求时，读取所述业务请求中携带的所述回退参考信息；
将读取到的所述回退参考信息与所述业务在本地进行关联存储。
可选的，所述业务包括跨境结算业务；所述业务回退包括跨境结算退款；所述回退参考信息包括跨境结算时的汇率信息；所述业务回退信息包括在执行跨境结算退款时的退款金额。
可选的，当所述业务为跨境结算业务，所述业务回退为跨境结算退款，所述回退参考信息为跨境结算时的汇率信息，所述业务回退信息为在执行跨境结算退款时的退款金额时，所述基于读取到的所述回退参考信息计算对应的业务回退信息包括：
当用户选择的退款方式为基于外币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的外币换算成对应金额的本国货币；
当用户选择的退款方式为基于本国货币金额退款时，基于读取到的所述跨境结算时 的汇率信息将目标金额的本国货币换算成对应金额的外币；
其中，所述目标金额为所述跨境结算时实际支付的金额。
可选的，所述基于计算出的所述业务回退信息完成针对所述业务的业务回退包括：
当用户选择的退款方式为基于外币金额退款时，从跨境商户的账户中扣除所述目标金额的外币，返还至预设的外币资金池，并通过中间账户将换算后的所述对应金额的本国货币返还给用户；
当用户选择的退款方式为基于本国货币金额退款时，从跨境商户的账户中扣除换算后的所述对应金额的外币，返还至预设的外币资金池，并通过中间账户返还给用户所述目标金额的本国货币。
本申请还提出一种业务回退装置，该装置包括：
第一读取模块，用于在接收到针对已完成业务的业务回退请求时，读取预存储的与所述业务对应的回退参考信息；
第一计算模块，用于基于读取到的所述回退参考信息计算对应的业务回退信息；
第一回退模块，用于基于计算出的所述业务回退信息完成针对所述业务的业务回退。
可选的，所述装置还包括：
第二读取模块，用于在接收到所述业务的业务请求时，读取所述业务请求中携带的所述回退参考信息；
第一存储模块，用于将读取到的所述回退参考信息与所述业务在本地进行关联存储。
可选的，所述业务包括跨境结算业务；所述业务回退包括跨境结算退款；所述回退参考信息包括跨境结算时的汇率信息；所述业务回退信息包括在执行跨境结算退款时的退款金额。
可选的，当所述业务为跨境结算业务，所述业务回退为跨境结算退款，所述回退参考信息为跨境结算时的汇率信息，所述业务回退信息为在执行跨境结算退款时的退款金额时，所述第一计算模块具体用于：
当用户选择的退款方式为基于外币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的外币换算成对应金额的本国货币；
当用户选择的退款方式为基于本国货币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的本国货币换算成对应金额的外币；
其中，所述目标金额为所述跨境结算时实际支付的金额。
可选的，所述第一回退模块具体用于：
当用户选择的退款方式为基于外币金额退款时，从跨境商户的账户中扣除所述目标金额的外币，返还至预设的外币资金池，并通过中间账户将换算后的所述对应金额的本国货币返还给用户；
当用户选择的退款方式为基于本国货币金额退款时，从跨境商户的账户中扣除换算后的所述对应金额的外币，返还至预设的外币资金池，并通过中间账户返还给用户所述目标金额的本国货币。
本申请还提出一种跨境结算的退款方法，该方法包括：
当接收到针对已完成的跨境结算业务的退款请求时，读取预存储的跨境结算时的汇率信息；
基于读取到的所述跨境结算时的汇率信息计算在执行跨境结算退款时的退款金额；
基于计算出的在执行所述跨境结算退款时的退款金额完成针对所述跨境结算业务的退款。
可选的，所述方法还包括：
当接收到跨境结算业务的支付请求时，读取所述支付请求中携带的跨境结算时的汇率信息；
将读取到的所述跨境结算时的汇率信息与所述跨境结算业务在本地进行关联存储。
可选的，所述基于读取到的所述跨境结算时的汇率信息计算在执行跨境结算退款时的退款金额包括：
当用户选择的退款方式为基于外币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的外币换算成对应金额的本国货币；
当用户选择的退款方式为基于本国货币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的本国货币换算成对应金额的外币；
其中，所述目标金额为所述跨境结算时实际支付的金额。
可选的，所述基于计算出的在执行所述跨境结算退款时的退款金额完成针对所述跨境结算业务的退款包括：
当用户选择的退款方式为基于外币金额退款时，从跨境商户的账户中扣除所述目标金额的外币，返还至预设的外币资金池，并通过中间账户将换算后的所述对应金额的本国货币返还给用户；
当用户选择的退款方式为基于本国货币金额退款时，从跨境商户的账户中扣除换算后的所述对应金额的外币，返还至预设的外币资金池，并通过中间账户返还给用户所述目标金额的本国货币。
本申请还提出一种跨境结算的退款装置，该装置包括：
第三读取模块，用于在接收到针对已完成的跨境结算业务的退款请求时，读取预存储的跨境结算时的汇率信息；
第二计算模块，用于基于读取到的所述跨境结算时的汇率信息计算在执行跨境结算退款时的退款金额；
第二回退模块，用于基于计算出的在执行所述跨境结算退款时的退款金额完成针对所述跨境结算业务的退款。
可选的，所述装置还包括：
第四读取模块，用于在接收到跨境结算业务的支付请求时，读取所述支付请求中携带的跨境结算时的汇率信息；
第二存储模块，用于将读取到的所述跨境结算时的汇率信息与所述跨境结算业务在本地进行关联存储。
可选的，所述第二计算模块具体用于：
当用户选择的退款方式为基于外币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的外币换算成对应金额的本国货币；
当用户选择的退款方式为基于本国货币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的本国货币换算成对应金额的外币；
其中，所述目标金额为所述跨境结算时实际支付的金额。
可选的，所述第二回退模块具体用于：
当用户选择的退款方式为基于外币金额退款时，从跨境商户的账户中扣除所述目标金额的外币，返还至预设的外币资金池，并通过中间账户将换算后的所述对应金额的本国货币返还给用户；
当用户选择的退款方式为基于本国货币金额退款时，从跨境商户的账户中扣除换算后的所述对应金额的外币，返还至预设的外币资金池，并通过中间账户返还给用户所述目标金额的本国货币。
本申请中，通过在接收到针对已完成业务的业务回退请求时，读取预存储的与所述业务对应的回退参考信息，并基于读取到的所述回退参考信息计算对应的业务回退信 息，以及基于计算出的所述业务回退信息完成针对所述业务的业务回退，实现了可以基于预存储的回退参考信息精确的完成业务回退。
当本申请的技术方案应用于跨境结算的应用场景时，通过接收到针对已完成的跨境结算业务的退款请求时，读取预存储的跨境结算时的汇率信息，并基于读取到的所述跨境结算时的汇率信息计算在执行跨境结算退款时的退款金额，以及基于计算出的在执行所述跨境结算退款时的退款金额完成针对所述跨境结算业务的退款，实现了可以基于预存储的跨境结算时的汇率信息完成跨境结算的退款，从而可以避免用户在退款过程中，由于汇率变动而给用户造成损失。
附图说明
图1是本申请一实施例提供的一种业务回退方法的流程图；
图2是本申请一实施例提供的一种跨境结算的退款方法的流程图；
图3是本申请一实施例提供的一种跨境结算的支付结算的流程图；
图4是本申请一实施例提供的一种跨境结算的退款结算的流程图；
图5是本申请一实施例提供的一种业务回退装置的逻辑框图；
图6是本申请一实施例提供的承载所述一种业务回退装置的服务端的硬件结构图；
图7是本申请一实施例提供的一种跨境结算的退款装置的逻辑框图；
图8是本申请一实施例提供的承载所述跨境结算的退款装置的服务端的硬件结构图。
具体实施方式
下面通过具体实施例并结合具体的应用场景对本申请进行描述。
请参考图1，图1是本申请一实施例提供的一种业务回退方法，应用于服务端，所述方法执行以下步骤：
步骤101，当接收到针对已完成业务的业务回退请求时，读取预存储的与所述业务对应的回退参考信息；
步骤102，基于读取到的所述回退参考信息计算对应的业务回退信息；
步骤103，基于计算出的所述业务回退信息完成针对所述业务的业务回退。
上述服务端可以包括面向用户的业务客户端提供服务端的服务器、服务器集群或者基于服务器集群构建的服务平台；上述客户端可以包括面向用户提供服务的客户端软 件。用户可以通过在客户端提供的业务界面中进行预定操作，触发客户端向服务端发出业务请求。
例如，当上述业务为跨境结算业务时，上述客户端可以是面向用户提供跨境结算服务的支付宝客户端，上述业务界面可以是支付宝客户端提供的支付界面，上述服务端则可以是面向用户的支付宝客户端提供服务的支付宝平台，上述业务对端则可以是跨境的电商平台。
用户在购买外币商品时，可以通过在支付宝客户端提供的支付界面进行预定操作，来触发支付宝客户端向支付宝平台发送支付请求；其中，该预订操作通常可以包括用户对购买外币商品的支付订单进行确认的操作；比如，可以在支付界面中提供一个用于确认支付的确认按钮，当用户对订单的金额和商品核对无误后，可以通过点击该确认按钮来触发支付宝客户端向支付宝平台发出支付请求。
在本例中，客户端在向服务端发出业务请求时，可以在该业务请求中预先携带回退参考信息，该回退参考信息用于在该业务被执行完毕后，当用户再次通过客户端向服务端发出针对该业务的业务回退请求时，服务端可以基于该回退参考信息对该已完成的业务执行业务回退操作。
其中，该回退参考信息可以由客户端向业务对端查询后得到。客户端在向服务端发出业务请求之前，可以向业务对端发送一个用于查询回退参考信息的查询请求，业务对端在收到该查询请求后，可以将回退参考信息返回给客户端，客户端在收到业务对端返回的回退参考信息后，可以将该回退参考信息在业务界面中向用户展现。
另外，需要指出的是，该回退参考信息可以是由业务对端独立设定，也可以由客户端与业务对端通过消息交互协商后得到。
例如，当上述业务为跨境结算业务时，上述回退参考信息可以是执行跨境结算时的汇率信息，支付宝客户端向支付宝平台发起支付请求之前，可以向跨境的电商平台发送一个结算汇率的查询请求，当跨境的电商平台收到该查询请求后，可以直接获取当日汇率，然后将获取到的当日汇率设定为结算汇率返回给支付宝客户端；或者，支付宝客户端向支付宝平台发起支付请求之前，用户可以通过支付宝客户端提供的即时聊天工具与跨境的远端商户进行沟通，来协商结算汇率，当协商完毕后，跨境的电商平台可以基于协商结果来设定结算汇率，并返回给支付宝客户端。当支付宝客户端在收到该结算汇率后，可以将该结算汇率在支付界面中向用户展现，以提示用户基于该结算汇率完成支付。
在本例中，当服务端收到客户端发出的业务请求后，可以读取该业务请求中携带的 上述回退参考信息，然后将该回退参考信息在本地与该业务请求对应的业务关联存储，以方面后续执行针对该业务的业务回退时，查询该回退参考信息。
当服务端将该业务请求中携带的回退参考信息在本地完成存储后，可以根据接收到的该业务请求与对应的业务对端进行交互，来完成该业务。
例如，当上述业务为跨境结算业务时，当支付宝平台收到支付宝客户端发起的跨境结算的支付请求后，可以基于该支付请求中携带的支付金额进行购汇结汇，并向跨境的电商平台发送交易信息，来完成支付结算。
在本例中，当上述业务执行完成后，用户还可以通过客户端向服务端发起针对该已完成业务的业务回退。当用户需要对已完成业务进行业务回退时，用户可以通过在客户端提供的业务界面中进行预定操作，触发客户端向服务端发出针对该已完成业务的业务回退请求。
当服务端收到客户端发出的该业务回退请求后，可以读取预存储的与该业务关联的业务回退参数，然后基于该业务回退参数计算对应的业务回退信息，其中，该业务回退信息可以包括该业务成功完成业务回退时所需的信息或者参数等等。当服务端基于该业务回退参数计算出对应的业务回退信息后，则可以根据计算出的业务回退信息，来完成针对该已完成业务的业务回退操作。
例如，当上述业务为跨境结算业务时，上述业务回退可以包括跨境结算退款，上述业务回退信息则可以包括在执行跨境结算退款时的退款金额。用户在成功购买到外币商品后，如果用户对商品不满意需要申请退款，用户可以通过在支付宝客户端提供的支付界面进行预定操作，来触发支付宝客户端向支付宝平台发送退款请求；其中，该预订操作通常可以包括用户对已经完成订单进行退款确认的操作；比如，可以在退款界面中提供一个用于确认退款的确认按钮，当用户对订单的退款金额核对无误后，可以通过点击该确认按钮来触发支付宝客户端向支付宝平台发出退款请求。当支付宝平台收到该退款请求后，可以读取预存储的与该已完成订单关联的该订单在进行跨境结算时的结算汇率，然后基于该结算汇率计算出实际的退款金额。当服务端基于该结算汇率计算出实际的退款金额后，则可以基于计算出的退款金额，来完成针对该已完成订单的跨境退款结算。
可见，通过这种方式，可以在发起业务时，在业务请求中携带用于进行业务回退的回退参考信息，服务端可以对该回退参考信息进行预存储。当业务完成后，用户发起针对该已完成业务的回退时，服务端可以读取与存储的该回退参考信息，来完成针对该已 完成业务的业务回退，从而可以实现基于与存储的回退可以基于预存储的回退参考信息精确的完成业务回退。
以下以上述业务为跨境结算业务，上述客户端为支付客户端，上述服务端为支付宝平台，并结合跨境结算的应用场景对本申请的技术方案进行说明。
请参考图2，图2是本申请一实施例在跨境结算的应用场景中，提供的一种跨境结算的退款方法，该方法的执行主体可以为服务端，该方法执行以下步骤：
步骤201，当接收到针对已完成的跨境结算业务的退款请求时，读取预存储的跨境结算时的汇率信息；
步骤202，基于读取到的所述跨境结算时的汇率信息计算在执行跨境结算退款时的退款金额；
步骤203，基于计算出的在执行所述跨境结算退款时的退款金额完成针对所述跨境结算业务的退款。
上述客户端可以是面向用户提供跨境结算服务的支付宝客户端，上述业务界面可以是支付宝客户端提供的支付界面，上述服务端则可以是面向用户的支付宝客户端提供服务的支付宝平台，上述业务对端则可以是跨境的电商平台(比如亚马逊电商平台)。
请参见图3，图3为本实施例示出的一种跨境支付结算的流程图。
请参见图3，用户在购买外币商品时，可以通过在跨境电商平台中选择想要购买的外币商品，并进行购物下单操作。当用户进行购物下单操作后，该电商平台可以对该用户的身份进行校验，以确保用户为本人操作；例如，可以基于用户预留的手机号码，发送一个校验码，当用户在用户界面中成功输入该校验码后，此时身份校验通过。当用户的身份校验通过后，此时用户可以向该电商平台申请支付结算。
其中，在跨境电商平台的用户界面中，可以预先提供包括支付宝平台在内的若干与该电商平台合作的支付平台，用户在申请进行支付结算时，可以在该用户界面中选择支付宝进行支付结算。
当用户选择支付宝进行支付结算后，此时跨境电商平台可以从当前的用户界面跳转进入支付宝客户端的支付界面。在该支付界面中，将向用户呈现与本次支付结算相关的订单信息、商品信息以及结算金额等信息，以供用户核实。
请继续参见图3，当跳转进入支付宝客户端的支付界面后，支付宝客户端还可以在后台向跨境的电商平台发起结算汇率查询；例如，支付宝客户端可以在后台向电商平台发送一个结算汇率的查询请求，当电商平台收到该查询请求后，可以向支付宝客户端返 回对应的结算汇率。
其中，该结算汇率，可以是由跨境的电商平台独立设定，也可以由用户与跨境的远端商户通过消息交互协商后得到。
例如，在示出的一种实现方式中，当跨境的电商平台收到上述结算汇率的查询请求后，可以直接获取当日汇率，然后将获取到的当日汇率设定为结算汇率返回给支付宝客户端。在示出的另一种实现方式中，用户可以通过支付宝客户端或者该跨境电商平台提供的即时聊天工具与跨境的远端商户进行沟通，来协商结算汇率，当协商完毕后，跨境的电商平台可以基于协商结果来设定结算汇率，并返回给支付宝客户端。
请继续参见图3，当支付宝客户端在收到跨境电商平台返回的结算汇率后，可以将该结算汇率在支付界面中向用户展现，以提示用户基于该结算汇率完成支付。
另外，在该支付界面还可以预先提供一个用于确认支付的确认按钮，当用户对订单的金额和商品核对无误后，可以通过点击该确认按钮来触发支付宝客户端向支付宝平台发送支付请求。
其中，支付宝客户端在向支付宝平台发送支付请求时，可以在该支付请求中预先携带查询到的上述结算汇率，例如，支付宝客户端可以将上述结算汇率组装成指定格式携带在支付请求的扩展字段中，发送给支付宝平台。该结算汇率用于在该订单支付完毕后，当用户再次通过支付宝客户端向支付宝平台发起针对该订单的退款请求时，支付宝平台可以基于该结算汇率来进行对应的退款操作。
请继续参见图3，在示出的一种实施方式中，支付宝平台可以预先划分为paycore(支付核心)子系统和tradecore(交易核心)子系统，其中paycore子系统用于面向用户进行订单的处理，以及接收支付宝客户端发送的支付请求，并将接收到的支付请求透传给tradecore子系统。Tradecore子系统用于根据paycore子系统透传的支付请求，与跨境的电商平台进行交互，完成支付结算，以及在用户申请进行退款时，完成退款结算。
当然，在实际应用中，对支付宝平台划分子系统，除了以上描述的将支付宝平台划分为paycore子系统和tradecore子系统以外，还可以根据实际的业务需求将支付宝平台划分为其它类型的子系统，在本申请中不进行特别限定。
请继续参见图3，当paycore子系统接收到支付宝客户端发送的支付请求，可以将该支付请求透传至tradecore子系统。当tradecore子系统收到该支付请求后，可以读取该支付请求中携带的上述结算汇率，然后将该结算汇率在本地与该支付请求对应的订 单关联存储，以方面后续在执行针对该订单的跨境结算退款时，查询该结算汇率。
当tradecore子系统将该支付请求中携带的结算汇率在本地完成存储后，可以根据接收到的该支付请求在本地完成支付结算，例如，tradecore子系统可以根据该支付请求中的支付结算金额在该用户的人民币账户中进行扣款操作。当在本地完成支付结算后，此时该订单交易成功。
请参见图3，当该订单交易成功后，支付宝客户端可以通过向paycore子系统发送用于查询交易状态的查询消息，来查询该订单当前的交易状态，由于此时该订单已交易成功，paycore子系统向tradecore子系统查询到该订单当前交易成功后，可以向支付宝客户端返回一个支付成功的通知，支付宝客户端在收到该通知后，可以通过电商平台向商户发送一个支付成功的通知，同时还可以向用户发送一个购买成功的通知。
请继续参见图3，当该订单交易成功后，tradecore子系统还可以继续向跨境的电商平台发送一个交易成功的消息，然后进行换汇和购汇操作，将交易成功的金额兑换成对应金额的外币，转账给跨境的远端商户。当转账完成后，此时本次支付结算完成。
请参见图4，图4为本实施例示出的一种跨境退款结算的流程图。
请参见图4，用户在成功购买到外币商品后，如果用户对商品不满意需要申请退款，用户可以通过支付宝客户端向支付宝平台发起退款。
其中，支付宝客户端或者电商平台可以面向用户提供一个退款界面，在该退款界面中，可以向用户呈现本次退款的金额和商品信息等；同时，在该退款界面中，还可以提供一个用于确认退款的确认按钮，当用户对订单的退款金额核对无误后，可以通过点击该确认按钮来触发支付宝客户端向支付宝平台发送退款请求。
请继续参见图4，当支付宝平台收到该退款请求后，支付宝平台仍然可以对用户的身份进行校验，以确定是用户本人操作。当用户的身份校验成功后，可以读取预存储的与该已完成订单关联的该订单在进行支付结算时的结算汇率，然后基于该结算汇率计算出实际的退款金额。
其中，用户在发起退款时，还可以选择退款方式。在实现时，在上述退款界面中，可以提供可供用户选择的退款方式。在示出的一种实施方式中，上退款界面中提供的退款方式中，可以包括基于外币金额进行退款，和基于人民币金额进行退款(在本例中以人民币为本国货币为例)。用户在发起退款时，可以在该退款界面中选择个人认为满意的退款方式。
一方面，当用户在退款界面中选择了基于外币金额退款时，支付宝平台可以直接从 跨境的远端商户的账户中扣除目标金额的外币，返还至预设的外币资金池中。其中，该目标金额即为用户在执行该订单的支付结算时，实际支付的金额。比如，用户在对一个1美元的商品进行支付结算时，支付了6.3人民币，在这种情况下，用户支付的外币的目标金额为1美元，用户支付的人民币的目标金额为6.3人民币。
当从跨境的远端商户的账户中扣除目标金额的外币，并返还至预设的外币资金池后，此时跨境的远端商户的退款流程执行完毕。由于整个流程与当前汇率无关，因此对于商户来说没有任何损失。
当跨境的远端商户的退款流程执行完毕后，此时支付宝平台可以读取与存储的与该订单关联的结算汇率，然后基于读取到的该结算汇率，将目标金额的外币换算成对应金额的人民币，并通过中间账户将换算后的对应金额的人民币返还至该用户的账户。当成功返还后，此时用户的退款流程执行完毕。由于整个流程仍然与当前汇率无关，因此对于用户来说也没有任何损失。
另一方面，当用户在退款界面中选择了基于人民币金额退款时，此时支付宝平台可以读取与存储的与该订单关联的结算汇率，基于读取到的该结算汇率，将目标金额的人民币换算成对应金额的外币，然后支付宝平台可以从跨境的远端商户的账户中扣除换算后的该对应金额的外币，返还至预设的外币资金池中。此时跨境的远端商户的退款流程执行完毕。由于整个流程与当前汇率无关，因此对于商户来说没有任何损失。
当跨境的远端商户的退款流程执行完毕后，此时支付宝平台还可以通过中间账户将目标金额的人民币返还至该用户的账户。此时，该目标金额的人民币，即为用户在针对该订单执行支付结算时，实际支付的人民币金额。当成功返还后，此时用户的退款流程执行完毕。由于整个流程仍然与当前汇率无关，因此对于用户来说也没有任何损失。
至此，整个退款流程结束。在整个退款过程中，由于是基于用户在进行支付结算时的结算汇率来进行退款，而与当前的汇率无关，因此对于商户和用户来说均不会造成任何损失。另外，在整个退款过程中，通过外币资金池完成针对跨境商户的退款流程，通过中间账户完成针对用户的返款流程，外币资金池和中间账户互不干涉，对于支付宝平台来说，也不会造成任何损失，而且还省去了用户繁琐的换汇和购汇操作，因此有助于提升用户体验。
可见，通过这种方式，商户在购买外币商品进行退款时，用户不再需要进行购汇换汇操作，也不必再担心汇率波动对自己造成损失，因此既方便的解决了用户汇率换算问题，又不会让用户资金受损失，还可以大大增加用户购买外币商品的兴趣。
在以上实施例中，通过在接收到针对已完成业务的业务回退请求时，读取预存储的与所述业务对应的回退参考信息，并基于读取到的所述回退参考信息计算对应的业务回退信息，以及基于计算出的所述业务回退信息完成针对所述业务的业务回退，实现了可以基于预存储的回退参考信息精确的完成业务回退。
当以上实施例的技术方案应用于跨境结算的应用场景时，通过接收到针对已完成的跨境结算业务的退款请求时，读取预存储的跨境结算时的汇率信息，并基于读取到的所述跨境结算时的汇率信息计算在执行跨境结算退款时的退款金额，以及基于计算出的在执行所述跨境结算退款时的退款金额完成针对所述跨境结算业务的退款，实现了可以基于预存储的跨境结算时的汇率信息完成跨境结算的退款，从而可以避免用户在退款过程中，由于汇率变动而给用户造成损失。
与上述方法实施例相对应，本申请还提供了装置的实施例。
请参见图5，本申请提出一种业务回退装置50，应用于服务端；其中，请参见图6，作为承载所述业务回退装置50的服务端所涉及的硬件架构中，通常包括处理器CPU、内存、非易失性存储器、网络接口以及内部总线等；以软件实现为例，所述业务回退装置50通常可以理解为加载在内存中的计算机程序，通过CPU运行之后形成的软硬件相结合的逻辑装置，所述装置50包括：
第一读取模块501，用于在接收到针对已完成业务的业务回退请求时，读取预存储的与所述业务对应的回退参考信息；
第一计算模块502，用于基于读取到的所述回退参考信息计算对应的业务回退信息；
第一回退模块503，用于基于计算出的所述业务回退信息完成针对所述业务的业务回退。
在本例中，所述装置50还可以包括：
第二读取模块504，用于在接收到所述业务的业务请求时，读取所述业务请求中携带的所述回退参考信息；
第一存储模块505，用于将读取到的所述回退参考信息与所述业务在本地进行关联存储。
在本例中，所述业务可以包括跨境结算业务；所述业务回退可以包括跨境结算退款；所述回退参考信息可以包括跨境结算时的汇率信息；所述业务回退信息可以包括在执行跨境结算退款时的退款金额。
在本例中，当所述业务为跨境结算业务，所述业务回退为跨境结算退款，所述回退 参考信息为跨境结算时的汇率信息，所述业务回退信息为在执行跨境结算退款时的退款金额时，所述第一计算模块502具体用于：
当用户选择的退款方式为基于外币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的外币换算成对应金额的本国货币；
当用户选择的退款方式为基于本国货币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的本国货币换算成对应金额的外币。
其中，所述目标金额为所述跨境结算时实际支付的金额。
在本例中，当所述业务为跨境结算业务，所述业务回退为跨境结算退款，所述回退参考信息为跨境结算时的汇率信息，所述业务回退信息为在执行跨境结算退款时的退款金额时，所述第一回退模块503具体用于：
当用户选择的退款方式为基于外币金额退款时，从跨境商户的账户中扣除所述目标金额的外币，返还至预设的外币资金池，并通过中间账户将换算后的所述对应金额的本国货币返还给用户；
当用户选择的退款方式为基于本国货币金额退款时，从跨境商户的账户中扣除换算后的所述对应金额的外币，返还至预设的外币资金池，并通过中间账户返还给用户所述目标金额的本国货币。
请参见图7，本申请提出一种跨境结算的退款装置70，应用于服务端；其中，请参见图8，作为承载所述业务回退装置70的服务端所涉及的硬件架构中，通常包括CPU、内存、非易失性存储器、网络接口以及内部总线等；以软件实现为例，所述业务回退装置70通常可以理解为加载在内存中的计算机程序，通过CPU运行之后形成的软硬件相结合的逻辑装置，所述装置70包括：
第三读取模块701，用于在接收到针对已完成的跨境结算业务的退款请求时，读取预存储的跨境结算时的汇率信息；
第二计算模块702，用于基于读取到的所述跨境结算时的汇率信息计算在执行跨境结算退款时的退款金额；
第二回退模块703，用于基于计算出的在执行所述跨境结算退款时的退款金额完成针对所述跨境结算业务的退款。
在本例中，所述装置70还可以包括：
第四读取模块704，用于在接收到跨境结算业务的支付请求时，读取所述支付请求中携带的跨境结算时的汇率信息；
第二存储模块705，用于将读取到的所述跨境结算时的汇率信息与所述跨境结算业务在本地进行关联存储。
在本例中，所述第二计算模块702具体用于：
当用户选择的退款方式为基于外币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的外币换算成对应金额的本国货币；
当用户选择的退款方式为基于本国货币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的本国货币换算成对应金额的外币。
其中，所述目标金额为所述跨境结算时实际支付的金额。
在本例中，所述第二回退模块703具体用于：
当用户选择的退款方式为基于外币金额退款时，从跨境商户的账户中扣除所述目标金额的外币，返还至预设的外币资金池，并通过中间账户将换算后的所述对应金额的本国货币返还给用户；
当用户选择的退款方式为基于本国货币金额退款时，从跨境商户的账户中扣除换算后的所述对应金额的外币，返还至预设的外币资金池，并通过中间账户返还给用户所述目标金额的本国货币。
本领域技术人员在考虑说明书及实践这里公开的发明后，将容易想到本申请的其它实施方案。本申请旨在涵盖本申请的任何变型、用途或者适应性变化，这些变型、用途或者适应性变化遵循本申请的一般性原理并包括本申请未公开的本技术领域中的公知常识或惯用技术手段。说明书和实施例仅被视为示例性的，本申请的真正范围和精神由下面的权利要求指出。
应当理解的是，本申请并不局限于上面已经描述并在附图中示出的精确结构，并且可以在不脱离其范围进行各种修改和改变。本申请的范围仅由所附的权利要求来限制。
以上所述仅为本申请的较佳实施例而已，并不用以限制本申请，凡在本申请的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本申请保护的范围之内。

Claims (18)

  1. 一种业务回退方法，其特征在于，该方法包括：
    当接收到针对已完成业务的业务回退请求时，读取预存储的与所述业务对应的回退参考信息；
    基于读取到的所述回退参考信息计算对应的业务回退信息；
    基于计算出的所述业务回退信息完成针对所述业务的业务回退。
  2. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    当接收到所述业务的业务请求时，读取所述业务请求中携带的所述回退参考信息；
    将读取到的所述回退参考信息与所述业务在本地进行关联存储。
  3. 根据权利要求2所述的方法，其特征在于，所述业务包括跨境结算业务；所述业务回退包括跨境结算退款；所述回退参考信息包括跨境结算时的汇率信息；所述业务回退信息包括在执行跨境结算退款时的退款金额。
  4. 根据权利要求3所述的方法，其特征在于，当所述业务为跨境结算业务，所述业务回退为跨境结算退款，所述回退参考信息为跨境结算时的汇率信息，所述业务回退信息为在执行跨境结算退款时的退款金额时，所述基于读取到的所述回退参考信息计算对应的业务回退信息包括：
    当用户选择的退款方式为基于外币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的外币换算成对应金额的本国货币；
    当用户选择的退款方式为基于本国货币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的本国货币换算成对应金额的外币；
    其中，所述目标金额为所述跨境结算时实际支付的金额。
  5. 根据权利要求4所述的方法，其特征在于，所述基于计算出的所述业务回退信息完成针对所述业务的业务回退包括：
    当用户选择的退款方式为基于外币金额退款时，从跨境商户的账户中扣除所述目标金额的外币，返还至预设的外币资金池，并通过中间账户将换算后的所述对应金额的本国货币返还给用户；
    当用户选择的退款方式为基于本国货币金额退款时，从跨境商户的账户中扣除换算后的所述对应金额的外币，返还至预设的外币资金池，并通过中间账户返还给用户所述目标金额的本国货币。
  6. 一种业务回退装置，其特征在于，该装置包括：
    第一读取模块，用于在接收到针对已完成业务的业务回退请求时，读取预存储的与所述业务对应的回退参考信息；
    第一计算模块，用于基于读取到的所述回退参考信息计算对应的业务回退信息；
    第一回退模块，用于基于计算出的所述业务回退信息完成针对所述业务的业务回退。
  7. 根据权利要求6所述的装置，其特征在于，所述装置还包括：
    第二读取模块，用于在接收到所述业务的业务请求时，读取所述业务请求中携带的所述回退参考信息；
    第一存储模块，用于将读取到的所述回退参考信息与所述业务在本地进行关联存储。
  8. 根据权利要求7所述的装置，其特征在于，所述业务包括跨境结算业务；所述业务回退包括跨境结算退款；所述回退参考信息包括跨境结算时的汇率信息；所述业务回退信息包括在执行跨境结算退款时的退款金额。
  9. 根据权利要求8所述的装置，其特征在于，当所述业务为跨境结算业务，所述业务回退为跨境结算退款，所述回退参考信息为跨境结算时的汇率信息，所述业务回退信息为在执行跨境结算退款时的退款金额时，所述第一计算模块具体用于：
    当用户选择的退款方式为基于外币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的外币换算成对应金额的本国货币；
    当用户选择的退款方式为基于本国货币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的本国货币换算成对应金额的外币；
    其中，所述目标金额为所述跨境结算时实际支付的金额。
  10. 根据权利要求9所述的装置，其特征在于，所述第一回退模块具体用于：
    当用户选择的退款方式为基于外币金额退款时，从跨境商户的账户中扣除所述目标金额的外币，返还至预设的外币资金池，并通过中间账户将换算后的所述对应金额的本国货币返还给用户；
    当用户选择的退款方式为基于本国货币金额退款时，从跨境商户的账户中扣除换算后的所述对应金额的外币，返还至预设的外币资金池，并通过中间账户返还给用户所述目标金额的本国货币。
  11. 一种跨境结算的退款方法，其特征在于，该方法包括：
    当接收到针对已完成的跨境结算业务的退款请求时，读取预存储的跨境结算时的汇 率信息；
    基于读取到的所述跨境结算时的汇率信息计算在执行跨境结算退款时的退款金额；
    基于计算出的在执行所述跨境结算退款时的退款金额完成针对所述跨境结算业务的退款。
  12. 根据权利要求11所述的方法，其特征在于，所述方法还包括：
    当接收到跨境结算业务的支付请求时，读取所述支付请求中携带的跨境结算时的汇率信息；
    将读取到的所述跨境结算时的汇率信息与所述跨境结算业务在本地进行关联存储。
  13. 根据权利要求11所述的方法，其特征在于，所述基于读取到的所述跨境结算时的汇率信息计算在执行跨境结算退款时的退款金额包括：
    当用户选择的退款方式为基于外币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的外币换算成对应金额的本国货币；
    当用户选择的退款方式为基于本国货币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的本国货币换算成对应金额的外币；
    其中，所述目标金额为所述跨境结算时实际支付的金额。
  14. 根据权利要求13所述的方法，其特征在于，所述基于计算出的在执行所述跨境结算退款时的退款金额完成针对所述跨境结算业务的退款包括：
    当用户选择的退款方式为基于外币金额退款时，从跨境商户的账户中扣除所述目标金额的外币，返还至预设的外币资金池，并通过中间账户将换算后的所述对应金额的本国货币返还给用户；
    当用户选择的退款方式为基于本国货币金额退款时，从跨境商户的账户中扣除换算后的所述对应金额的外币，返还至预设的外币资金池，并通过中间账户返还给用户所述目标金额的本国货币。
  15. 一种跨境结算的退款装置，其特征在于，该装置包括：
    第三读取模块，用于在接收到针对已完成的跨境结算业务的退款请求时，读取预存储的跨境结算时的汇率信息；
    第二计算模块，用于基于读取到的所述跨境结算时的汇率信息计算在执行跨境结算退款时的退款金额；
    第二回退模块，用于基于计算出的在执行所述跨境结算退款时的退款金额完成针对所述跨境结算业务的退款。
  16. 根据权利要求15所述的装置，其特征在于，所述装置还包括：
    第四读取模块，用于在接收到跨境结算业务的支付请求时，读取所述支付请求中携带的跨境结算时的汇率信息；
    第二存储模块，用于将读取到的所述跨境结算时的汇率信息与所述跨境结算业务在本地进行关联存储。
  17. 根据权利要求15所述的装置，其特征在于，所述第二计算模块具体用于：
    当用户选择的退款方式为基于外币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的外币换算成对应金额的本国货币；
    当用户选择的退款方式为基于本国货币金额退款时，基于读取到的所述跨境结算时的汇率信息将目标金额的本国货币换算成对应金额的外币；
    其中，所述目标金额为所述跨境结算时实际支付的金额。
  18. 根据权利要求17所述的装置，其特征在于，所述第二回退模块具体用于：
    当用户选择的退款方式为基于外币金额退款时，从跨境商户的账户中扣除所述目标金额的外币，返还至预设的外币资金池，并通过中间账户将换算后的所述对应金额的本国货币返还给用户；
    当用户选择的退款方式为基于本国货币金额退款时，从跨境商户的账户中扣除换算后的所述对应金额的外币，返还至预设的外币资金池，并通过中间账户返还给用户所述目标金额的本国货币。
PCT/CN2016/112022 2016-01-04 2016-12-26 业务回退方法及装置 Ceased WO2017118306A1 (zh)

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JP2019501471A (ja) 2019-01-17
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