WO2019157983A1 - 交易处理方法及平台 - Google Patents

交易处理方法及平台 Download PDF

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Publication number
WO2019157983A1
WO2019157983A1 PCT/CN2019/074348 CN2019074348W WO2019157983A1 WO 2019157983 A1 WO2019157983 A1 WO 2019157983A1 CN 2019074348 W CN2019074348 W CN 2019074348W WO 2019157983 A1 WO2019157983 A1 WO 2019157983A1
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Prior art keywords
coupon
voucher
transaction
request
transaction processing
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PCT/CN2019/074348
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English (en)
French (fr)
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兰杰
王新盟
李联邦
李江
何青松
刘银
周仕成
程思远
谢喆
王宇
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口碑(上海)信息技术有限公司
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Publication of WO2019157983A1 publication Critical patent/WO2019157983A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates

Definitions

  • the present invention relates to computer technology, and in particular to a transaction processing method and platform.
  • e-commerce in order to promote sales, e-commerce often introduces some promotional activities such as coupons, red envelopes, discounts, vouchers, and gifts, and in order to avoid malicious bidding by customers, it is usually after the completion of the user’s purchase of goods. Will allow users to enjoy the corresponding offers. For example, if a user purchases a computer, the merchant presents a coupon, but the user needs to wait until the return period has passed before the coupon can be obtained.
  • the verification system is required to support various preferential products and strategies. This kind of processing will not only bring great pressure to the verification system, but also increase the complexity of the verification system. The probability of error increases and the time is long. If the user is in the process of using the offer, the waiting time is long, or the discount fails, it will bring a lot of customer consultation, which will not only increase the workload of the customer service, but also affect the user experience.
  • the invention provides a transaction processing method and platform to solve the problem that the existing verification method makes the system complicated and the waiting time is long.
  • a transaction processing method comprising:
  • the method further includes:
  • the coupon is issued to the user.
  • the transaction request includes any one of the following: a purchase coupon request, and a coupon request.
  • the determining the coupon corresponding to the transaction includes:
  • the coupon corresponding to the transaction is determined according to a preset coupon issuance strategy.
  • the coupon issuance strategy includes:
  • a coupon matching the user is selected based on the user related information and the coupon information.
  • the user related information includes any one or more of the following: historical order information of the user, transaction price statistics, and transaction commodity statistical information; and the coupon information includes any one or more of the following: a coupon The limit amount, the applicable product type of the coupon, and the discount amount of the coupon.
  • the issuing the voucher for the coupon includes:
  • a voucher number corresponding to the coupon is generated in the voucher management system.
  • the method further includes:
  • a coupon write-off request is initiated.
  • the method further includes:
  • the status of the voucher instance data is marked as a write-off.
  • a transaction processing platform includes: a transaction processing system, a coupon management system, a voucher management system, and a settlement system;
  • the coupon management system for managing coupons for managing coupons
  • the transaction processing system is configured to issue a coupon to a user, trigger the voucher management system to generate a voucher for issuing the voucher, and initiate a coupon verification request to the voucher management system under the condition that the coupon is written off ;
  • the voucher management system After receiving the coupon verification request, the voucher management system marks the issuance voucher of the coupon, and returns the mark completion information to the transaction processing system;
  • the settlement system is configured to perform an asynchronous write-off of the issued voucher of the marked coupon.
  • the transaction processing system is further configured to receive a transaction request of the user, and invoke the coupon management system to determine a coupon corresponding to the transaction.
  • the transaction request includes any one of the following: a purchase coupon request, and a coupon request.
  • the coupon management system determines a coupon corresponding to the current transaction according to a preset coupon issuance policy.
  • the user related information includes any one or more of the following: historical order information of the user, transaction price statistics, and transaction commodity statistical information; and the coupon information includes any one or more of the following: a coupon The limit amount, the applicable product type of the coupon, and the discount amount of the coupon.
  • the transaction processing system initiates a coupon verification request after receiving the user's use coupon request, or a return request, or a refund request, or a transaction cancellation request.
  • the transaction processing system is further configured to: after issuing the coupon to the user, trigger the coupon management system to generate coupon instance data and mark the status of the coupon instance data as usable;
  • the settlement system is further configured to trigger the coupon management system to mark the status of the coupon instance data as a write-off after asynchronously writing off the issued coupon of the marked coupon.
  • the present invention has the following advantages:
  • the transaction processing method and platform provided by the present invention after issuing a coupon to a user, generating a voucher for issuing the coupon, and after executing the coupon verification request, the coupon core is executed without waiting for the verification of the coupon to be completed.
  • the operation corresponding to the pin the operation corresponding to the coupon verification can be performed by first marking the issuance voucher of the coupon, and the issuance certificate of the marked coupon is asynchronously written off, thereby shortening the waiting time of the user transaction. , improved user experience.
  • FIG. 1 is a flow chart of a transaction processing method of the present invention
  • FIG. 3 is a schematic structural diagram of a transaction processing platform of the present invention.
  • FIG. 1 it is a flowchart of the transaction processing method of the present invention, which includes the following steps:
  • Step 101 After issuing a coupon to the user, generating a voucher for the coupon.
  • a voucher number corresponding to the coupon is generated in the voucher management system.
  • the coupon may be: a red envelope, a discount, a voucher, etc.
  • the carrier may be in the form of paper or electronic.
  • the amount and conditions of use may be determined by the merchant, and which users are issued and issued. The type and manner are also determined by the merchant, and the invention is not limited thereto.
  • coupon instance data corresponding to the coupon is generated, and the status of the coupon instance data is marked as usable.
  • Step 102 Initiating a coupon verification request under the condition that the coupon is written off.
  • the coupon needs to be written off. That is, after receiving the user's use coupon request, or return request, or refund request, or transaction cancellation request, the coupon write-off request is initiated.
  • Step 103 marking the issuance voucher of the coupon.
  • the operation corresponding to the verification of the coupon is not required to wait for the completion of the verification verification, but only The issuing voucher of the coupon is marked, and the corresponding operation of the coupon verification can be performed.
  • Step 104 Perform an asynchronous write-off of the issued voucher of the marked coupon.
  • the asynchronous write-off means that the marking and the verification of the issuance of the voucher are non-concurrent, but are performed independently.
  • the method of asynchronous write-off can greatly shorten the waiting time of users and improve the user experience.
  • the transaction processing method provided in the embodiment of the present invention can be applied to the issuance and verification of a plurality of coupons. As shown in FIG. 2, it is a flowchart of the coupon issuance in the embodiment of the present invention, including the following steps:
  • Step 201 Receive a transaction request of a user.
  • the transaction request may be a purchase coupon request, a coupon request, or the like, or may be another transaction request.
  • Step 202 Determine a coupon corresponding to the current transaction.
  • the coupon issuance policy may be preset, and the coupon corresponding to the current transaction is determined according to the policy, for example, the coupon matching the user is selected according to the user related information and the coupon information. among them:
  • the user related information includes any one or more of the following: historical order information of the user, transaction price statistical information, and transaction commodity statistical information;
  • the coupon information includes any one or more of the following: a coupon limit amount, a valid item type of the coupon, and a coupon amount of the coupon.
  • Step 203 issuing the coupon to the user.
  • the transaction processing method provided by the present invention after issuing the coupon to the user, generates the issuance voucher of the coupon, and after the coupon verification request is initiated, the coupon verification is performed without waiting for the coupon verification to be completed.
  • the operation only needs to first mark the issuing voucher of the coupon to perform the corresponding operation of the coupon verification, and asynchronously write off the issued voucher of the marked coupon, thereby shortening the waiting time of the user transaction and improving The user experience.
  • the present invention also provides a transaction processing platform, as shown in FIG. 3, which is a structural schematic diagram of the transaction processing platform.
  • the platform includes a transaction processing system 301, a coupon management system 302, a credential management system 303, and a settlement system 304. among them:
  • the coupon management system 302 is configured to manage coupons
  • the transaction processing system 301 is configured to issue a coupon to a user, trigger the voucher management system 303 to generate an issue voucher of the coupon, and initiate a coupon core to the voucher management system 303 under the condition that the coupon write-off is satisfied. Sales request
  • the voucher management system 303 After receiving the coupon verification request, the voucher management system 303 marks the issuance voucher of the coupon, and specifically generates a voucher number corresponding to the coupon, to the transaction processing system 301. Return mark completion information;
  • the settlement system 304 is configured to perform an asynchronous write-off of the issued voucher of the marked coupon.
  • the operation of the asynchronous write-off may be triggered by the credential management system 303 or may be started periodically by the settlement system 304, which is not limited by the present invention.
  • coupon management system 302 and the settlement system 304 may be used as separate systems, or may be integrated into a unified voucher core system, which is not limited by the present invention.
  • the user initiates a transaction request, which may be initiated by the user on the client or the transaction platform, or may be initiated offline; the transaction request may be a request for purchasing a coupon, a request for receiving a coupon, etc. It can be other transaction requests, such as purchasing a product request with a coupon.
  • the transaction processing system 301 After receiving the transaction request of the user, the transaction processing system 301 calls the coupon management system 302 to determine the coupon corresponding to the current transaction.
  • the coupon issuance policy may be preset, and the policy is stored in the coupon management system 302; accordingly, the coupon management system 302 determines a coupon corresponding to the current transaction according to the policy, for example, according to the user-related information. And the coupon information selects a coupon that matches the user.
  • the user-related information includes any one or more of the following: historical order information of the user, transaction price statistics, and transaction commodity statistical information; and the coupon information includes any one or more of the following: the coupon is limited. The amount of money, the type of product to be used for the coupon, and the amount of the coupon.
  • the specific matching algorithm may be set by the merchant, which is not limited in this embodiment of the present invention.
  • the transaction processing system 301 issues a coupon corresponding to the current transaction to the user.
  • the coupon may be: a red envelope, a discount, a voucher, etc.
  • the carrier may be in the form of paper or electronic.
  • the amount and conditions of use may be determined by the merchant, and which users are issued and issued. The type and manner are also determined by the merchant, and the invention is not limited thereto.
  • the transaction processing system 301 triggers the voucher management system 303 to generate credentials corresponding to the coupon.
  • the transaction processing system 301 triggers the coupon management system 302 to generate coupon instance data and mark the status of the coupon instance data as available;
  • the coupon needs to be written off.
  • the transaction processing system 301 checks if the coupon write-off condition is satisfied, and if so, initiates a coupon write-off request to the voucher management system 303.
  • the transaction processing system 301 initiates a coupon verification request to the voucher management system 303 upon receiving the user's use coupon request, or return request, or refund request, or transaction cancellation request.
  • the voucher management system 303 After receiving the coupon verification request, the voucher management system 303 marks the issuance voucher of the coupon and then returns the mark completion information to the transaction processing system 301.
  • the transaction processing system 301 After receiving the mark completion information, the transaction processing system 301 performs an operation corresponding to the coupon verification.
  • the settlement system 304 asynchronously writes off the issued voucher for the marked coupon and triggers the coupon management system 302 to mark the status of the voucher instance data as a write-off.
  • Example 1 Coupon is a voucher
  • the user purchases a "KFC" 50 yuan voucher and actually pays 40 yuan. After the payment is successful, the transaction processing platform issues the voucher to the user.
  • the specific process is as follows:
  • the voucher management system 303 After the transaction processing system 301 receives the purchase request from the user and receives the payment from the user successfully, the voucher management system 303 issues the voucher to the user. At this time, the voucher management system 303 adds a voucher corresponding to the voucher, and the status is "unused”; the coupon management system 302 adds a voucher instance, and the status is "unused".
  • the voucher management system 303 queries the corresponding voucher, and after querying that its status is "unused”, directly changes its status to "used unapplied coupons", and then returns a message to the transaction processing system 301; the transaction processing system 301 completes The above transaction.
  • the voucher management system 303 asynchronously invokes the thread, and the calling settlement system 304 writes off the corresponding voucher instance; the settlement system 304 finds the corresponding voucher type processing mode, and changes the status of the voucher instance to "used”. And record the operation of running water, sending messages, and so on. If the call fails, it will be retried. After the verification is completed, the voucher management system 303 modifies the status of the corresponding voucher to "Used Certified Poucher".
  • Example 2 The coupon is a redemption voucher
  • the user purchases the "KFC" 0.1 yuan redemption voucher and actually pays 0.1 yuan. After the payment is successful, the transaction processing platform issues the voucher to the user.
  • the specific process is as follows:
  • the voucher management system 303 After the transaction processing system 301 receives the purchase request from the user and receives the payment from the user successfully, the voucher management system 303 issues a redemption voucher to the user. At this time, the voucher management system 303 adds a voucher corresponding to the voucher, and the status is "unused”; the coupon management system 302 adds a redemption voucher instance, and the status is "unused".
  • the above-mentioned user purchases the package on the redemption voucher and enters the voucher verification process:
  • the voucher management system 303 queries the corresponding voucher, and after querying that its status is "unused”, directly changes its status to "used unapplied coupons", and then returns a message to the transaction processing system 301; the transaction processing system 301 completes The above transaction.
  • the voucher management system 303 asynchronously evokes the thread, and the calling settlement system 304 verifies the corresponding voucher instance; the settlement system 304 finds the corresponding processing method of the voucher, and changes the status of the voucher instance to "used”. And record the operation of running water, sending messages, and so on. If the call fails, it will be retried. After the verification is completed, the voucher management system 303 modifies the status of the corresponding voucher to "Used Certified Poucher".
  • the operation corresponding to the coupon verification is not performed after waiting for the verification operation to be completed, and only the issuance certificate of the coupon is marked. , the operation corresponding to the coupon verification can be performed.
  • the transaction processing platform provided by the present invention generates a voucher for issuing the coupon after the coupon is issued to the user, and after the coupon verification request is initiated, the coupon verification is performed without waiting for the verification of the coupon to be completed.
  • the operation only needs to first mark the issuing voucher of the coupon to perform the corresponding operation of the coupon verification, and asynchronously write off the issued voucher of the marked coupon, thereby shortening the waiting time of the user transaction and improving The user experience.
  • a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
  • processors CPUs
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-persistent memory, random access memory (RAM), and/or non-volatile memory in a computer readable medium, such as read only memory (ROM) or flash memory.
  • RAM random access memory
  • ROM read only memory
  • Memory is an example of a computer readable medium.
  • Computer readable media including both permanent and non-persistent, removable and non-removable media may be implemented by any method or technology.
  • the information can be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory. (ROM), electrically erasable programmable read only memory (EEPROM), flash memory or other memory technology, compact disk read only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transportable media may utilize information stored to be accessible by the computing device.
  • computer readable media does not include non-transitory computer readable media, such as modulated data signals and carrier waves.
  • embodiments of the present application can be provided as a method, system, or computer program product.
  • the present application can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment in combination of software and hardware.
  • the application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.

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Abstract

一种交易处理方法及平台，方法包括：向用户发放优惠券后，生成所述优惠券的发放凭证（101）；在满足优惠券核销条件下，发起优惠券核销请求（102）；标记所述优惠券的发放凭证（103）；对已标记的优惠券的发放凭证进行异步核销（104）。本方案可以缩短用户交易等待时间，提升用户体验。

Description

交易处理方法及平台
本申请要求于2018年02月13日提交中国专利局、申请号为201810150893.6、发明名称为“交易处理方法及平台”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
本发明涉及计算机技术，具体涉及一种交易处理方法及平台。
背景技术
目前，电商为了促进销售，经常会推出一些优惠券、红包、折扣、代金券、满赠等促销活动，而且，为了避免客户恶意刷单，通常都是在用户购买商品核销完成后，才会让用户享受相应的优惠。比如用户购买一台电脑，商家赠送优惠券，但用户需要等到退货期过后才可获得返券。
由于不同产品的核销方式及时间不同，因此需要核销系统支持各种不同的优惠产品及策略。这种处理方式不仅会给核销系统带来巨大压力，而且增加了核销系统的复杂度，出错的概率也相对增加，耗时也比较长。如果用户在使用优惠的过程中，等待时间比较长，或者享受优惠失败，就会带来大量的客户咨询，不但会增加客服的工作量，而且也会影响用户体验。
发明内容
本发明提供一种交易处理方法及平台，以解决现有核销方式使得系统复杂、等待时间较长的问题。
为此，本发明提供如下技术方案：
一种交易处理方法，所述方法包括：
向用户发放优惠券后，生成所述优惠券的发放凭证；
在满足优惠券核销条件下，发起优惠券核销请求；
标记所述优惠券的发放凭证；
对已标记的优惠券的发放凭证进行异步核销。
可选地，所述方法还包括：
接收用户的交易请求；
确定对应本次交易的优惠券；
向所述用户发放所述优惠券。
可选地，所述交易请求包括以下任意一种：购买优惠券请求、领取优惠券请求。
可选地，所述确定对应本次交易的优惠券包括：
根据预先设定的优惠券发放策略确定对应本次交易的优惠券。
可选地，所述优惠券发放策略包括:
根据用户相关信息及优惠券信息选择与所述用户相匹配的优惠券。
可选地，所述用户相关信息包括以下任意一种或多种：用户的历史订单信息、交易价格统计信息、交易商品统计信息；所述优惠券信息包括以下任意一种或多种：优惠券限用金额、优惠券的适用商品种类、优惠券的优惠金额。
可选地，所述生成所述优惠券的发放凭证包括：
在凭证管理系统中生成与所述优惠券一一对应的凭证单号。
可选地，所述方法还包括：
在接收到用户的使用优惠券请求、或退货请求、或退券请求、或交易取消请求后，发起优惠券核销请求。
可选地，所述方法还包括：
向用户发放优惠券后，生成券实例数据并标记所述券实例数据的状态为可使用；
对已标记的优惠券的发放凭证进行异步核销后，标记所述券实例数据的状态为已核销。
一种交易处理平台，包括：交易处理系统、优惠券管理系统、凭证管理系统、以及结算系统；
所述优惠券管理系统，用于管理优惠券；
所述交易处理系统，用于向用户发放优惠券，触发所述凭证管理系统生成所述优惠券的发放凭证；在满足优惠券核销条件下，向所述凭证管理系统发起优惠券核销请求；
所述凭证管理系统，在接收到所述优惠券核销请求后，标记所述优惠券的 发放凭证，向所述交易处理系统返回标记完成信息；
所述结算系统，用于对已标记的优惠券的发放凭证进行异步核销。
可选地，所述交易处理系统，还用于接收用户的交易请求，调用所述优惠券管理系统确定对应本次交易的优惠券。
可选地，所述交易请求包括以下任意一种：购买优惠券请求、领取优惠券请求。
可选地，所述优惠券管理系统根据预先设定的优惠券发放策略确定对应本次交易的优惠券。
可选地，所述用户相关信息包括以下任意一种或多种：用户的历史订单信息、交易价格统计信息、交易商品统计信息；所述优惠券信息包括以下任意一种或多种：优惠券限用金额、优惠券的适用商品种类、优惠券的优惠金额。
可选地，所述交易处理系统在接收到用户的使用优惠券请求、或退货请求、或退券请求、或交易取消请求后，发起优惠券核销请求。
可选地，所述交易处理系统，还用于向用户发放优惠券后，触发所述优惠券管理系统生成券实例数据并标记所述券实例数据的状态为可使用；
所述结算系统，还用于对已标记的优惠券的发放凭证进行异步核销后，触发所述优惠券管理系统标记所述券实例数据的状态为已核销。
与现有技术相比，本发明具有以下优点:
本发明提供的交易处理方法及平台，向用户发放优惠券后，生成所述优惠券的发放凭证，在发起优惠券核销请求后，无需等待优惠券核销完成后再执行所述优惠券核销对应的操作，只需先标记所述优惠券的发放凭证即可执行所述优惠券核销对应的操作，对已标记的优惠券的发放凭证进行异步核销，从而缩短了用户交易等待时间，提升了用户体验。
附图说明
图1是本发明交易处理方法的流程图；
图2是本发明实施例中优惠券发放的一种流程图；
图3是本发明交易处理平台的结构示意图。
具体实施方式
在下面的描述中阐述了很多具体细节以便于充分理解本发明。但是本发明能够以很多不同于在此描述的其它方式来实施，本领域技术人员可以在不违背本发明内涵的情况下做类似推广，因此本发明不受下面公开的具体实施的限制。
如图1所示，是本发明交易处理方法的流程图，包括以下步骤：
步骤101，向用户发放优惠券后，生成所述优惠券的发放凭证。
具体地，在凭证管理系统中生成与所述优惠券一一对应的凭证单号。
所述优惠券可以是：红包、折扣、代金券等，其载体可以是纸质的、也可以是电子的形式，其金额及使用条件可以由商家自行决定，另外，对哪些用户发放、发放的种类及方式等也由商家自行决定，对此本发明不做限定。
需要说明的是，在实际应用中，在向用户发放优惠券后，还会生成对应该优惠券的券实例数据，并标记所述券实例数据的状态为可使用。
步骤102，在满足优惠券核销条件下，发起优惠券核销请求。
比如，用户使用该优惠券、用户取消对应该优惠券的交易等情况下，需要对该优惠券进行核销。也就是说，在接收到用户的使用优惠券请求、或退货请求、或退券请求、或交易取消请求后，发起优惠券核销请求。
步骤103，标记所述优惠券的发放凭证。
与传统的同步核销方式不同的是，在本发明方案中，在发起优惠券核销请求后，无需等待核销完成后再执行所述优惠券核销对应的操作，而是只需对所述优惠券的发放凭证进行标记，即可执行所述优惠券核销对应的操作。
步骤104，对已标记的优惠券的发放凭证进行异步核销。
在对已标记的优惠券的发放凭证进行异步核销后，还需要标记所述券实例数据的状态为已核销。
所述异步核销是指对发放凭证的标记和核销是非并发的，而是各自独立进行的。采用异步核销的方式，可以大大缩短用户交易等待时间，提升用户体验。
本发明实施例提供的交易处理方法，可以应用于多种优惠券的发放及核销，如图2所示，是本发明实施例中优惠券发放的一种流程图，包括以下步骤：
步骤201，接收用户的交易请求。
所述交易请求可以是购买优惠券请求、领取优惠券请求等，也可以是其它 交易请求。
步骤202，确定对应本次交易的优惠券。
具体地，可以预先设定优惠券发放策略，根据该策略确定对应本次交易的优惠券，比如，根据用户相关信息及优惠券信息选择与所述用户相匹配的优惠券。其中：
所述用户相关信息包括以下任意一种或多种：用户的历史订单信息、交易价格统计信息、交易商品统计信息；
所述优惠券信息包括以下任意一种或多种：优惠券限用金额、优惠券的适用商品种类、优惠券的优惠金额。
需要说明的是，具体的匹配算法可以由商家自行设定，对此本发明实施例不做限定。
步骤203，向所述用户发放所述优惠券。
本发明提供的交易处理方法，向用户发放优惠券后，生成所述优惠券的发放凭证，在发起优惠券核销请求后，无需等待优惠券核销完成后再执行所述优惠券核销对应的操作，只需先标记所述优惠券的发放凭证即可执行所述优惠券核销对应的操作，对已标记的优惠券的发放凭证进行异步核销，从而缩短了用户交易等待时间，提升了用户体验。
相应地，本发明还提供一种交易处理平台，如图3所示，是该交易处理平台的一种结构示意图。
在该实施例中，所述平台包括：交易处理系统301、优惠券管理系统302、凭证管理系统303、以及结算系统304。其中：
所述优惠券管理系统302用于管理优惠券；
所述交易处理系统301用于向用户发放优惠券，触发所述凭证管理系统303生成所述优惠券的发放凭证；在满足优惠券核销条件下，向所述凭证管理系统303发起优惠券核销请求；
所述凭证管理系统303在接收到所述优惠券核销请求后，标记所述优惠券的发放凭证，具体可以生成与所述优惠券一一对应的凭证单号，向所述交易处理系统301返回标记完成信息；
所述结算系统304用于对已标记的优惠券的发放凭证进行异步核销。异步 核销的操作可以由所述凭证管理系统303触发，也可以由所述结算系统304定时启动，对此本发明不做限定。
需要说明的是，在实际应用中，上述优惠券管理系统302及结算系统304可以作为各自独立的系统，也可以集成为一个统一的券核心系统，对此本发明不做限定。
下面结合图3详细说明优惠券的发放及核销过程。
优惠券的发放过程具体如下：
1)用户发起交易请求，所述交易请求可以是用户在客户端或交易平台上发起的，也可以是线下发起的；所述交易请求可以是购买优惠券请求、领取优惠券请求等，也可以是其它交易请求，比如购买附带赠送优惠券的商品请求。
2)交易处理系统301接收到用户的交易请求后，调用优惠券管理系统302确定对应本次交易的优惠券。
具体地，可以预先设定优惠券发放策略，将该策略存储到优惠券管理系统302中；相应地，优惠券管理系统302根据该策略确定对应本次交易的优惠券，比如，根据用户相关信息及优惠券信息选择与所述用户相匹配的优惠券。其中：所述用户相关信息包括以下任意一种或多种：用户的历史订单信息、交易价格统计信息、交易商品统计信息；所述优惠券信息包括以下任意一种或多种：优惠券限用金额、优惠券的适用商品种类、优惠券的优惠金额。具体的匹配算法可以由商家自行设定，对此本发明实施例不做限定。
3)交易处理系统301将对应本次交易的优惠券发放给所述用户。
所述优惠券可以是：红包、折扣、代金券等，其载体可以是纸质的、也可以是电子的形式，其金额及使用条件可以由商家自行决定，另外，对哪些用户发放、发放的种类及方式等也由商家自行决定，对此本发明不做限定。
4)交易处理系统301触发凭证管理系统303生成对应所述优惠券的凭证。
5)交易处理系统301触发优惠券管理系统302生成券实例数据并标记所述券实例数据的状态为可使用；
优惠券的核销过程具体如下：
1)用户发起需要核销优惠券的交易请求。
比如，用户使用该优惠券、用户取消对应该优惠券的交易等情况下，需要 对该优惠券进行核销。
2)交易处理系统301检查是否满足优惠券核销条件，如果满足，则向所述凭证管理系统303发起优惠券核销请求。
比如，交易处理系统301在接收到用户的使用优惠券请求、或退货请求、或退券请求、或交易取消请求后，向所述凭证管理系统303发起优惠券核销请求。
3)凭证管理系统303接收到所述优惠券核销请求后，标记所述优惠券的发放凭证，然后向交易处理系统301返回标记完成信息。
4)交易处理系统301在收到所述标记完成信息后，执行所述优惠券核销对应的操作。
5)结算系统304对已标记的优惠券的发放凭证进行异步核销，并触发所述优惠券管理系统302标记所述券实例数据的状态为已核销。
下面进一步举例说明本发明交易处理平台对优惠券的核销过程。
例1：优惠券为代金券
用户购买“肯德基”50元代金券，实际支付40元。支付成功后，交易处理平台向用户发放代金券，具体过程如下：
交易处理系统301接收到用户的购买请求并收到用户的付款成功后，由凭证管理系统303向用户发放代金券。此时，凭证管理系统303新增一条代金券对应的凭证，状态是“未使用”；优惠券管理系统302新增一条代金券实例，状态是“未使用”。
上述用户到店购买一个70元的套餐，使用50元代金券，支付剩余的20元后，进入券核销流程：
首先，凭证管理系统303查询对应的凭证，查询到其状态是“未使用”后，直接改变其状态为“已使用未核销券”，然后返回消息给交易处理系统301；交易处理系统301完成上述交易。
其次，凭证管理系统303异步唤起线程，调用结算系统304将对应的代金券实例进行核销；结算系统304找到对应的券类型处理方式，将所述代金券实例的状态变更为“已使用”，并记录流水、发送消息等操作。如果调用失败，会重试。核销完成后，凭证管理系统303将对应的凭证的状态修改为“已使用已核销券”。
例2：优惠券为兑换券
用户购买“肯德基”0.1元兑换券，实际支付0.1元，支付成功后，交易处理平台向用户发放代金券，具体过程如下：
交易处理系统301接收到用户的购买请求并收到用户的付款成功后，由凭证管理系统303向用户发放兑换券。此时，凭证管理系统303新增一条兑换券对应的凭证，状态是“未使用”；优惠券管理系统302新增一条兑换券实例，状态是“未使用”。
上述用户到店购买兑换券上的套餐，进入券核销流程：
首先，凭证管理系统303查询对应的凭证，查询到其状态是“未使用”后，直接改变其状态为“已使用未核销券”，然后返回消息给交易处理系统301；交易处理系统301完成上述交易。
其次，凭证管理系统303异步唤起线程，调用结算系统304将对应的兑换券实例进行核销；结算系统304找到对应的兑换券的处理方式，将所述兑换券实例的状态变更“已使用”，并记录流水、发送消息等操作。如果调用失败，会重试。核销完成后，凭证管理系统303将对应的凭证的状态修改为“已使用已核销券”。
可见，在本发明方案中，在发起优惠券核销请求后，无需等待核销操作完成后再执行所述优惠券核销对应的操作，而是只需对所述优惠券的发放凭证进行标记，即可执行所述优惠券核销对应的操作。
本发明提供的交易处理平台，向用户发放优惠券后，生成所述优惠券的发放凭证，在发起优惠券核销请求后，无需等待优惠券核销完成后再执行所述优惠券核销对应的操作，只需先标记所述优惠券的发放凭证即可执行所述优惠券核销对应的操作，对已标记的优惠券的发放凭证进行异步核销，从而缩短了用户交易等待时间，提升了用户体验。
本发明虽然以较佳实施例公开如上，但其并不是用来限定本发明，任何本领域技术人员在不脱离本发明的精神和范围内，都可以做出可能的变动和修改，因此本发明的保护范围应当以本发明权利要求所界定的范围为准。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM) 和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
1、计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可利用存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括非暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
2、本领域技术人员应明白，本申请的实施例可提供为方法、系统或计算机程序产品。因此，本申请可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。

Claims (16)

  1. 一种交易处理方法，其特征在于，所述方法包括：
    向用户发放优惠券后，生成所述优惠券的发放凭证；
    在满足优惠券核销条件下，发起优惠券核销请求；
    标记所述优惠券的发放凭证；
    对已标记的优惠券的发放凭证进行异步核销。
  2. 根据权利要求1所述的交易处理方法，其特征在于，所述方法还包括：
    接收用户的交易请求；
    确定对应本次交易的优惠券；
    向所述用户发放所述优惠券。
  3. 根据权利要求2所述的交易处理方法，其特征在于，所述交易请求包括以下任意一种：购买优惠券请求、领取优惠券请求。
  4. 根据权利要求2所述的交易处理方法，其特征在于，所述确定对应本次交易的优惠券包括：
    根据预先设定的优惠券发放策略确定对应本次交易的优惠券。
  5. 根据权利要求2所述的交易处理方法，其特征在于，所述优惠券发放策略包括:
    根据用户相关信息及优惠券信息选择与所述用户相匹配的优惠券。
  6. 根据权利要求5所述的交易处理方法，其特征在于，
    所述用户相关信息包括以下任意一种或多种：用户的历史订单信息、交易价格统计信息、交易商品统计信息；
    所述优惠券信息包括以下任意一种或多种：优惠券限用金额、优惠券的适用商品种类、优惠券的优惠金额。
  7. 根据权利要求1所述的交易处理方法，其特征在于，所述生成所述优惠券的发放凭证包括：
    在凭证管理系统中生成与所述优惠券一一对应的凭证单号。
  8. 根据权利要求1所述的交易处理方法，其特征在于，所述方法还包括：
    在接收到用户的使用优惠券请求、或退货请求、或退券请求、或交易取消请求后，发起优惠券核销请求。
  9. 根据权利要求1至7任一项所述的交易处理方法，其特征在于，所述方法还包括：
    向用户发放优惠券后，生成券实例数据并标记所述券实例数据的状态为可使用；
    对已标记的优惠券的发放凭证进行异步核销后，标记所述券实例数据的状态为已核销。
  10. 一种交易处理平台，其特征在于，包括：交易处理系统、优惠券管理系统、凭证管理系统、以及结算系统；
    所述优惠券管理系统，用于管理优惠券；
    所述交易处理系统，用于向用户发放优惠券，触发所述凭证管理系统生成所述优惠券的发放凭证；在满足优惠券核销条件下，向所述凭证管理系统发起优惠券核销请求；
    所述凭证管理系统，在接收到所述优惠券核销请求后，标记所述优惠券的发放凭证，向所述交易处理系统返回标记完成信息；
    所述结算系统，用于对已标记的优惠券的发放凭证进行异步核销。
  11. 根据权利要求10所述的交易处理平台，其特征在于，
    所述交易处理系统，还用于接收用户的交易请求，调用所述优惠券管理系统确定对应本次交易的优惠券。
  12. 根据权利要求11所述的交易处理平台，其特征在于，所述交易请求包括以下任意一种：购买优惠券请求、领取优惠券请求。
  13. 根据权利要求11所述的交易处理平台，其特征在于，所述优惠券管理系统根据预先设定的优惠券发放策略确定对应本次交易的优惠券。
  14. 根据权利要求13所述的交易处理平台，其特征在于，
    所述用户相关信息包括以下任意一种或多种：用户的历史订单信息、交易价格统计信息、交易商品统计信息；
    所述优惠券信息包括以下任意一种或多种：优惠券限用金额、优惠券的适用商品种类、优惠券的优惠金额。
  15. 根据权利要求10所述的交易处理平台，其特征在于，所述交易处理系统在接收到用户的使用优惠券请求、或退货请求、或退券请求、或交易取消请 求后，发起优惠券核销请求。
  16. 根据权利要求10至15任一项所述的交易处理平台，其特征在于，
    所述交易处理系统，还用于向用户发放优惠券后，触发所述优惠券管理系统生成券实例数据并标记所述券实例数据的状态为可使用；
    所述结算系统，还用于对已标记的优惠券的发放凭证进行异步核销后，触发所述优惠券管理系统标记所述券实例数据的状态为已核销。
PCT/CN2019/074348 2018-02-13 2019-02-01 交易处理方法及平台 WO2019157983A1 (zh)

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