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)
Chinese (zh)
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 KR1020187022643A priority patent/KR20180108648A/ko
Priority to JP2018553288A priority patent/JP2019501471A/ja
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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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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SG11201805759PA SG11201805759PA (en) 2016-01-04 2016-12-26 Service fallback method and apparatus
KR1020187022643A KR20180108648A (ko) 2016-01-04 2016-12-26 서비스 폴백 방법 및 장치
JP2018553288A JP2019501471A (ja) 2016-01-04 2016-12-26 サービスフォールバック方法及び装置
US16/026,986 US20180322476A1 (en) 2016-01-04 2018-07-03 Service fallback method and apparatus
PH12018501426A PH12018501426A1 (en) 2016-01-04 2018-07-04 Service fallback method and apparatus

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US20180322476A1 (en) 2018-11-08
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TW201801017A (zh) 2018-01-01
KR20180108648A (ko) 2018-10-04
SG11201805759PA (en) 2018-08-30

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