WO2019237778A1 - 一种多币种退款业务处理方法及装置 - Google Patents

一种多币种退款业务处理方法及装置 Download PDF

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Publication number
WO2019237778A1
WO2019237778A1 PCT/CN2019/078078 CN2019078078W WO2019237778A1 WO 2019237778 A1 WO2019237778 A1 WO 2019237778A1 CN 2019078078 W CN2019078078 W CN 2019078078W WO 2019237778 A1 WO2019237778 A1 WO 2019237778A1
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Prior art keywords
refund
amount
historical
target transaction
refunds
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PCT/CN2019/078078
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English (en)
French (fr)
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吉登椿
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阿里巴巴集团控股有限公司
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Priority to SG11202005899UA priority Critical patent/SG11202005899UA/en
Publication of WO2019237778A1 publication Critical patent/WO2019237778A1/zh
Priority to US16/884,923 priority patent/US20200286091A1/en

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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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
    • 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; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Definitions

  • the embodiments of the present specification relate to the field of Internet application technology, and in particular, to a method and device for processing a multi-currency refund service.
  • the payer and the payee can use different payment transactions through the payment institution. For example, after the payer pays in euros, the payment institution converts the currency so that the payee receives the payment in US dollars. . Similarly, if the payee initiates a refund to the payer, the payment institution will also perform currency conversion. Regardless of payment or refund, the value converted by the payment institution according to the exchange rate in currency conversion generally includes multiple decimals and needs to be rounded. Therefore, when processing a multi-currency refund business, there will be a refund amount. If there are only one or few refunds in a transaction, the deviation may be small, and when there are many refunds for the same transaction, the accumulation and expansion of the deviation may be caused.
  • the embodiments of the present specification provide a multi-currency refund business processing method and device.
  • the technical solution is as follows:
  • a multi-currency refund business processing method includes:
  • the calculated rounded difference is used to update the total amount of refunds actually received in the history, so that the multi-currency refund business of the target transaction is subsequently processed according to the updated total amount of refunds received.
  • a multi-currency refund business processing device includes:
  • a history record reading module configured to receive a refund request for a target transaction, and read a history record of the target transaction stored in advance;
  • a refund amount calculation module configured to calculate the refund amount actually received for the refund based on the total refund amount actually received in the history and the refund amount payable specified in the refund request;
  • the rounding strategy determination module is used to determine the rounding strategy for the current refund and calculate the rounding difference based on the calculated actual refund amount;
  • a history record updating module configured to update the total amount of refunds received in the history record using the calculated rounding difference, so as to subsequently process the multi-currency refund of the target transaction according to the updated total amount of refunds received. business.
  • a payment request for a multi-currency transaction is not solely based on the actual refund amount received.
  • Exchange rate conversion and re-determining whether to round, but combining historical refunds of the same transaction uniformly calculate the actual refund amount and determine the rounding strategy, so that when processing multi-currency refund business, the refund amount and The determination of the rounding strategy is more reasonable to avoid the accumulation and expansion of the deviation of the refund amount caused by multiple refunds.
  • FIG. 1 is a schematic diagram of an interactive flow of payment in a multi-currency transaction scenario of this specification
  • Figure 2 is a schematic diagram of the interactive flow of refunds in the multi-currency transaction scenario of this specification
  • FIG. 3 is a schematic flowchart of a multi-currency refund service processing method according to an embodiment of the present specification
  • FIG. 4 is a schematic structural diagram of a multi-currency refund service processing device according to an embodiment of the present specification
  • FIG. 5 is a schematic structural diagram of a refund amount calculation module according to an embodiment of the present specification.
  • FIG. 6 is a schematic structural diagram of a history reading module according to an embodiment of the present disclosure.
  • FIG. 7 is a schematic structural diagram of a device for configuring a device according to an embodiment of the present specification.
  • a payer and a payee use a payment institution to implement an interactive flow diagram of completing transactions in different currencies, respectively.
  • the payers and payees referred to in the embodiments of this specification can refer to buyers and sellers respectively.
  • the transaction process can only involve Buyer (payer), payment institution, and seller (receiver); can also refer to the buyer and another intermediate agency, or another intermediate agency and seller, for example, the buyer (payer) in China uses RMB Payment to domestic Alipay (payment agency), after domestic Alipay converts the amount to a more general US dollar, (as the payer) pays to overseas Alipay (receiver), and after overseas Alipay (payment agency) converts the US dollar to euro, Make payments to sellers (receivers) in Europe. Therefore, in different application scenarios, the payer and the payee can correspond to different transaction parties, which is not limited in the embodiments of this specification.
  • the payer uses currency A for payment
  • the payee uses currency B for payment.
  • the payer pays the transaction to the payee
  • the payer first actually pays the payment to the payer.
  • Institutional payment After receiving the amount a paid by the payer in currency A, the payment institution will convert the exchange rate between the two currencies A and B-such as the designated exchange rate agreed by the parties to the transaction, or the current instantaneous value of the two currencies. Exchange rate, etc.-The value of the amount a is converted into the value of the amount b, and then the payment institution pays the payee, so that the payee receives the amount b paid in currency B.
  • the exchange rate used in the multi-currency transaction scenario is more accurate to 2 to 4 digits after the decimal point, and the transaction amount of each currency is more accurate to 0 to 2 digits after the decimal point. Therefore, after the transaction amount is converted according to the exchange rate , In general, you need to round to decimal places.
  • the payment institution first converts the amount payable by the payer based on the sale price of the product, the profit or loss from rounding is actually borne by the payee or payer. If the payment process is paid by the payee and the payment institution converts and rounds the exchange rate, the profit or loss generated by the rounding may be borne by the payment institution. However, according to the rounding methods used by the payment institution, such as rounding, or rounding to the nearest five, the probability of rounding and rounding should be approximately the same. Therefore, when the number of multi-currency transactions conducted by the payment institution is smaller than When it is old, the profit and loss that the payment institution has to bear should also be roughly the same.
  • a multi-currency refund interaction process is implemented by a payment institution.
  • the refund amount is generally converted based on the exchange rate used for transaction payment.
  • the payment institution needs to convert b' to a 'based on the original exchange rates of A and B when the transaction was paid. To the payer.
  • the payment institution needs to return 0.02 euros to the payer, and therefore must bear a loss of 0.003154 euros.
  • the payee returns USD 0.02 to the payer again the payment institution will again bear a loss of 0.003154 euros after the conversion.
  • the payee and payer perform the above-mentioned, or similar, the payment agency If the refund operation is undertaken, the loss of the payment institution will be multiplied.
  • this specification provides a multi-currency refund business processing method. As shown in FIG. 3, the method may include the following steps:
  • S101 Receive a refund request for a target transaction, and read a history record of the target transaction stored in advance;
  • the refund between the two parties of the target transaction can be initiated by the payer, and a refund request for the target transaction can be generated after the beneficiary agrees or is forced to take effect. Refund request.
  • the refund request generated can carry information such as the ID of the refund, the amount of the refund receivable returned by the payee to the payer, the transaction ID of the corresponding target transaction, and so on. After that, according to the information carried in the refund request, the historical record of the target transaction can be read, so that the current transaction and historical refund data and the real-time data of the refund can be used to process the current transaction. Refund business.
  • the history of the target transaction can be determined and read in a variety of ways, which is not limited in the embodiments of this specification.
  • each transaction performed in a multi-currency transaction scenario can have a unique transaction ID and be recorded with other information such as the payer, payee, transaction time, receivables, and actual payment amounts of the transaction.
  • the refund request generated will carry the transaction ID of the corresponding target transaction. After receiving the refund request, the payment institution can obtain the transaction ID therein.
  • the ID of the target transaction carried in the refund request may be obtained first; then, according to the obtained ID, the In the stored full transaction history, look up the history of the target transaction.
  • the refund amount and The total amount of historical receivables and actual refunds when calculating the actual refund amount of the refund, the refund amount and The total amount of historical receivables and actual refunds, the current refund and historical refund as a whole refund, calculate the total amount of refunds received, and thus calculate the actual refund amount. Therefore, after receiving the refund request for the target transaction and reading the historical record of the target transaction, the above amount needs to be obtained.
  • the above-mentioned amount in the history record can be obtained in multiple ways, which is not limited in the embodiments of the present specification.
  • the receivable payment amount P and the actually received payment amount R of the target transaction can be obtained from the transaction information in the history record of the target transaction.
  • the refund request generated will also carry the refund receivable amount r k of this refund, which can also be obtained directly.
  • Each refund for each transaction conducted in a multi-currency transaction scenario can also have a unique refund ID, and the transaction ID corresponding to the refund, payer, payee, refund time, receivable And other information about the refund amount actually received, are recorded in the history together.
  • Each piece of refund information of each historical refund of the target transaction may be determined in the found history record of the target transaction. For each piece of refund information determined, the amount of refund receivable and the amount of refund actually received for the historical refund are calculated. The sum of the refund amounts receivable for each historical refund is the total amount of refund receivables r ⁇ . The sum of the refund amounts received for each historical refund is calculated as the total amount of refunds received p ⁇ .
  • the total amount of receivables and actual refunds obtained after each refund is processed can be recorded in the historical record in the form of historical cumulative refund information.
  • the history record of the target transaction found, determine the historical refund cumulative information, and obtain the total refund receivables r ⁇ and the total refunds p ⁇ of each historical refund of the target transaction from it. .
  • the refund request determine whether the target transaction meets a preset trigger condition, and if not, obtain the total amount of refundable receivables r ⁇ and the total amount of refunds received p ⁇ that are both 0; In the historical records mentioned above, the total amount of refund receivables r ⁇ and the total amount of refunds actually received p ⁇ for each historical refund.
  • a preset triggering condition may also be set by a person skilled in the art according to an actual application scenario.
  • the target transaction has a historical refund
  • the total amount of refund receivables r ⁇ and the total amount of refunds actually received p ⁇ for each historical refund are further obtained; if If there is no historical refund, it is determined that the total amount of refund receivables r ⁇ and the total amount of refunds actually received p ⁇ for each historical refund are 0, and no further acquisition is required.
  • the target transaction has a refund loss, that is, if the payment institution has suffered a loss in rounding in the refund before the target transaction, the historical refund amount information is further obtained.
  • trigger conditions can be set according to the transaction parties of the target transaction, such as: the refund rate of the payer and / or payee is higher than the preset threshold, and the credit value of the payer and / or the payee is lower than the preset threshold , The payer and / or payee ’s refund compensation amount is higher than a preset threshold, and so on.
  • the multi-currency refund business processing solution provided in the embodiments of this specification when calculating the actual refund amount of the refund, is based on the principle that if each refund of the same transaction is used as a refund place The calculated total refunds received shall be equal to the sum of the actual refunds calculated for each refund.
  • the exchange rate used for the conversion because the exchange rate used for the conversion is the same, in the actual calculation, the exchange rate will be directly offset. Therefore, the above principle is actually equivalent to: when the same exchange rate is used for conversion, the ratio of the payer's amount to the The payer's amount ratio should be equal. It is also equivalent that in the case of using the same exchange rate conversion, the ratio of the amount of the payer and the payee when the transaction is paid should be equal to the amount of the payer and the payee when the refund is made.
  • the actual refund amount for this refund is calculated according to the above principles.
  • the formula used can have various forms, which are not limited in the embodiments of this specification.
  • the formula for calculating the actual refund amount p k for this refund can be:
  • n is the number of historical refunds of the target transaction
  • r k is the refund amount receivable for the current refund of the target transaction
  • R is the actual payment amount of the target transaction
  • P is the receivable payment amount of the target transaction
  • r k is the refund amount receivable for the current refund of the target transaction
  • R is the actual payment amount of the target transaction
  • P is the receivable amount of the target transaction.
  • the formula for calculating the actual refund amount p k for this refund can be:
  • r k is the refund amount receivable for the current refund of the target transaction
  • R is the actual payment amount of the target transaction
  • P is the receivable amount of the target transaction.
  • the actual refund amount for this refund may be rounded down or rounded up, and the rounding may be further calculated after the determination. Go or fill in the difference. For the next refund business that may exist, this refund is equivalent to a historical refund. Therefore, the difference between the current round-up or replenishment needs to be used to update the total history of the refund actually received.
  • the seller then initiated a $ 0.02 refund to the payment agency for the transaction.
  • the transaction receivable payment amount is 0.84 Euros
  • the total amount of refunds receivable for historical refunds is updated to USD 0.02.
  • the seller initiated a refund of $ 0.02 to the payment agency for this transaction, which is the second refund.
  • the actual refund amount is calculated separately for this refund, it should be the same as the previous refund, and the payment institution shall bear the loss of 0.0032 euros and pay the buyer 0.02 euros.
  • the amount of receivables obtained for this transaction is 0.84 Euros
  • the amount of actual payments is 1 USD
  • the total amount of historical receivable refunds is $ 0.02
  • the total amount of refunds received is 0.02 euros.
  • the difference is 0.0036 euros, that is, the payment agency pays the buyer 0.01 euro after bearing the 0.0036 euro income.
  • an embodiment of the present specification also provides a multi-currency refund service processing device.
  • the device may include:
  • a history record reading module 110 configured to receive a refund request for a target transaction, and read a history record of the target transaction stored in advance;
  • the refund amount calculation module 120 is configured to calculate the refund amount actually received for the refund based on the total refund amount actually received in the history and the refund amount payable specified in the refund request;
  • the rounding strategy determining module 130 is configured to determine a rounding strategy for the current refund and calculate a rounding difference according to the calculated actually paid refund amount;
  • a history update module 140 configured to update the total amount of refunds received in the history record using the calculated rounding difference, so as to subsequently process the multi-currency refund of the target transaction according to the updated total amount of refunds received.
  • the refund amount calculation module 120 may include:
  • the historical amount obtaining unit 121 is configured to obtain the historical record of the receivable payment amount P, the actual payment amount R of the target transaction, and the total amount of receivable refunds r ⁇ and the actual refund of each historical refund. Total amount p ⁇ ;
  • a real-time amount obtaining unit 122 configured to obtain a refund receivable amount r k specified in this refund request
  • the refund amount calculation unit 123 is configured to calculate the actual refund amount p k of the current refund based on the principle that the proportion of the payer amount is equal to the proportion of the payee amount, wherein the payer amount ratio is:
  • the payee amount ratio is:
  • the history record reading module 110 may include:
  • a transaction ID obtaining unit 111 configured to obtain an ID of the target transaction carried in the refund request
  • the historical record searching unit 112 is configured to search the historical record of the target transaction in the pre-stored full transaction history according to the obtained ID.
  • the historical amount obtaining unit 121 may be specifically used to:
  • the receivable payment amount P and the actually received payment amount R of the target transaction are obtained.
  • the historical amount obtaining unit 121 may be specifically used to:
  • the historical amount obtaining unit 121 may be specifically used to:
  • the historical amount obtaining unit 121 may be specifically used to:
  • An embodiment of the present specification further provides a computer device including at least a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the foregoing multi-currency refund when executing the program Business processing methods.
  • the method includes at least:
  • the calculated rounded difference is used to update the total amount of refunds actually received in the history, so that the multi-currency refund business of the target transaction is subsequently processed according to the updated total amount of refunds actually received.
  • FIG. 7 shows a more specific schematic diagram of a hardware structure of a computing device provided by an embodiment of the present specification.
  • the device may include a processor 1010, a memory 1020, an input / output interface 1030, a communication interface 1040, and a bus 1050.
  • the processor 1010, the memory 1020, the input / output interface 1030, and the communication interface 1040 implement a communication connection within the device through a bus 1050.
  • the processor 1010 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more integrated circuits, and is used to execute related Program to implement the technical solution provided by the embodiment of the present specification.
  • a general-purpose CPU Central Processing Unit
  • ASIC Application Specific Integrated Circuit
  • the memory 1020 may be implemented in the form of ROM (Read Only Memory), RAM (Random Access Memory), static storage devices, dynamic storage devices, and the like.
  • the memory 1020 may store an operating system and other application programs.
  • related program codes are stored in the memory 1020 and are called and executed by the processor 1010.
  • the input / output interface 1030 is used to connect an input / output module to implement information input and output.
  • the input / output / module can be configured in the device as a component (not shown in the figure), or it can be externally connected to the device to provide corresponding functions.
  • the input device may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc.
  • the output device may include a display, a speaker, a vibrator, and an indicator light.
  • the communication interface 1040 is used to connect a communication module (not shown in the figure) to implement communication interaction between the device and other devices.
  • the communication module can implement communication through a wired method (for example, USB, network cable, etc.), and can also implement communication through a wireless method (for example, mobile network, WIFI, Bluetooth, etc.).
  • the bus 1050 includes a path for transmitting information between various components of the device (for example, the processor 1010, the memory 1020, the input / output interface 1030, and the communication interface 1040).
  • the device may also include necessary for achieving normal operation Other components.
  • the foregoing device may also include only components necessary to implement the solutions of the embodiments of the present specification, and does not necessarily include all the components shown in the drawings.
  • An embodiment of the present specification also provides a computer-readable storage medium on which a computer program is stored.
  • the program is executed by a processor, the foregoing multi-currency refund service processing method is implemented.
  • the method includes at least:
  • the calculated rounded difference is used to update the total amount of refunds actually received in the history, so that the multi-currency refund business of the target transaction is subsequently processed according to the updated total amount of refunds actually received.
  • Computer-readable media includes permanent and non-persistent, removable and non-removable media.
  • Information storage can be accomplished by any method or technology.
  • Information may be computer-readable instructions, data structures, modules of a program, 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), and read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transmitting medium may be used to store information that can be accessed by a computing device.
  • computer-readable media does not include temporary computer-readable media, such as modulated data signals and carrier waves.
  • the embodiments of the present specification can be implemented by means of software plus a necessary universal hardware platform. Based on such an understanding, the technical solution of the embodiments of the present specification may be embodied in the form of a software product that is essentially or contributes to the existing technology.
  • the computer software product may be stored in a storage medium such as ROM / RAM, Magnetic disks, optical disks, and the like include a number of instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the various embodiments or portions of the embodiments of this specification.
  • the system, device, module, or unit described in the foregoing embodiments may be specifically implemented by a computer chip or entity, or a product with a certain function.
  • a typical implementation device is a computer, and the specific form of the computer may be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email sending and receiving device, and a game control Desk, tablet computer, wearable device, or a combination of any of these devices.

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Abstract

一种多币种退款业务处理方法，该方法包括：接收针对目标交易的退款请求，读取预先存储的所述目标交易的历史记录（S101）；根据所述历史记录中的实收退款总额与本次退款请求中指定的应付退款金额，计算本次退款的实收退款金额（S102）；根据所计算的实付退款金额，确定本次退款的舍入策略并计算舍入差值（S103）；使用所计算的舍入差值更新所述历史记录的实收退款总额，以便后续根据所更新的实收退款总额，处理所述目标交易的多币种退款业务（S104）。

Description

一种多币种退款业务处理方法及装置 技术领域
本说明书实施例涉及互联网应用技术领域，尤其涉及一种多币种退款业务处理方法及装置。
背景技术
在多币种交易场景中，付款方与收款方可以通过支付机构，使用不同的币种交易，例如付款方使用欧元付款后，由支付机构进行币种转换，使收款方通过美金收款。同样地，如果收款方向付款方发起退款，也由支付机构进行币种转换。无论付款或者退款，支付机构在进行币种转换时，按照汇率换算得到的数值一般均包括多位小数，需要进行舍入，因此，在处理多币种退款业务时，将存在退款金额的偏差，若某笔交易中只进行了一次或少次的退款，则偏差可能较小，而当同一笔交易的退款次数较多时，将可能造成偏差的积累与扩大。
基于现有技术的方案，需要更合理的多币种退款业务处理方案。
发明内容
针对上述技术问题，本说明书实施例提供一种多币种退款业务处理方法及装置，技术方案如下：
一种多币种退款业务处理方法，该方法包括：
接收针对目标交易的退款请求，读取预先存储的所述目标交易的历史记录；
根据所述历史记录中的实收退款总额与本次退款请求中指定的应付退款金额，计算本次退款的实收退款金额；
根据所计算的实付退款金额，确定本次退款的舍入策略并计算舍入差值；
使用所计算的舍入差值更新所述历史记录的实收退款总额，以便后续根据所更新的实收退款总额，处理所述目标交易的多币种退款业务。
一种多币种退款业务处理装置，该装置包括：
历史记录读取模块，用于接收针对目标交易的退款请求，读取预先存储的所述目 标交易的历史记录；
退款金额计算模块，用于根据所述历史记录中的实收退款总额与本次退款请求中指定的应付退款金额，计算本次退款的实收退款金额；
舍入策略确定模块，用于根据所计算的实付退款金额，确定本次退款的舍入策略并计算舍入差值；
历史记录更新模块，用于使用所计算的舍入差值更新所述历史记录的实收退款总额，以便后续根据所更新的实收退款总额，处理所述目标交易的多币种退款业务。
本说明书实施例所提供的技术方案，支付机构在处理多币种退款业务时，针对一笔多币种交易的某次退款请求，并非只单独针对本次的实收退款金额，进行汇率换算、再确定是否舍入，而是结合同一交易的各次历史退款，统一地计算实付退款金额并确定舍入策略，从而使得处理多币种退款业务时，退款金额与舍入策略的确定更合理，避免多次退款造成退款金额偏差的积累与扩大。
应当理解的是，以上的一般描述和后文的细节描述仅是示例性和解释性的，并不能限制本说明书实施例。
此外，本说明书实施例中的任一实施例并不需要达到上述的全部效果。
附图说明
为了更清楚地说明本说明书实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本说明书实施例中记载的一些实施例，对于本领域普通技术人员来讲，还可以根据这些附图获得其他的附图。
图1是本说明书多币种交易场景中付款的交互流程示意图；
图2是本说明书多币种交易场景中退款的交互流程示意图；
图3是本说明书实施例的多币种退款业务处理方法的流程示意图；
图4是本说明书实施例的多币种退款业务处理装置的结构示意图；
图5是本说明书实施例的退款金额计算模块的结构示意图；
图6是本说明书实施例的历史记录读取模块的结构示意图；
图7是用于配置本说明书实施例装置的一种设备的结构示意图。
具体实施方式
为了使本领域技术人员更好地理解本说明书实施例中的技术方案，下面将结合本说明书实施例中的附图，对本说明书实施例中的技术方案进行详细地描述，显然，所描述的实施例仅仅是本说明书的一部分实施例，而不是全部的实施例。基于本说明书中的实施例，本领域普通技术人员所获得的所有其他实施例，都应当属于保护的范围。
如图1所示，为多币种交易场景中，付款方与收款方通过支付机构，实现分别使用不同币种完成交易的交互流程示意图。
可以理解的是，本说明书实施例中所指的付款方与收款方，可以分别指买家与卖家，例如，支付机构直接在买卖双方使用的币种间进行换算，则交易过程可以仅涉及买家(付款方)、支付机构与卖家(收款方)；也可以分别指买家与另一中间机构、或者另一中间机构与卖家，例如，中国境内的买家(付款方)使用人民币向境内支付宝(支付机构)付款，境内支付宝将金额换算为更通用的美元后，(作为付款方)向境外支付宝(收款方)付款，境外支付宝(支付机构)再将美元换算为欧元后，向欧洲境内的卖家(收款方)付款。因此，在不同的应用场景中，付款方与收款方可以对应不同的交易方，本说明书实施例中对此不进行限定。
假设图1所示的交易双方中，付款方使用币种A进行付款，而收款方使用币种B进行收款，则付款方向收款方支付交易款时，实际是由付款方首先向支付机构付款，支付机构收到付款方以币种A支付的金额a后，将根据A、B两种币种的换算汇率——如交易双方协商同意的指定汇率、或者两种币种当前的即时汇率等等——将金额a的数值，换算为金额b的数值，再由支付机构向收款方付款，从而使收款方收到以币种B支付的金额b。
例如，假设付款方使用欧元付款，收款方使用美元收款，并且双方协定使用1美元＝0.8423欧元的汇率交易，则付款方在交易中向支付机构支付了0.84欧元时，支付机构根据上述汇率换算后，向收款方支付1美元。
多币种交易场景中所使用的汇率，多精确到小数点后2至4位，而各币种的交易金额，多精确到小数点后0至2位，因此，在根据汇率对交易金额进行换算后，一般情况下均需要进行小数位的舍入。
如果在交易的付款过程中，首先由支付机构根据商品的售价，换算得到付款方应付的金额，则舍入带来的损益，实际由收款方或付款方承担。而如果交易的过程是由收款方支付金额，支付机构进行汇率换算并舍入，则舍入产生的损益可能需由支付机构承担。但通常根据支付机构所使用的四舍五入、或四舍六入五取偶等舍入方法，出现舍、入情况的概率应该是大致相当的，因此，当通过支付机构进行的多币种交易数目较大时，支付机构需承担的损、益也应是大致相当的。
如图2所示，为多币种交易场景中，付款方与收款方的交易发生退款时，通过支付机构实现多币种退款的交互流程示意图。
多币种退款场景中，一般仍根据交易付款时所使用的汇率，对退款金额进行换算。如图2所示的退款中，如果收款方仅向付款方退部分金额，即b’小于b，支付机构需要根据交易付款时A、B的原汇率，将b’换算为a’后退至付款方。
仍以上述交易为例，假设收款方在某次退款中，向支付机构退回0.02美元，则支付机构根据前述1美元＝0.8423欧元的汇率换算后，可确定需向付款方退回的金额为：0.02*0.8423＝0.016846，如上所述，需要对换算结果进行舍入，则支付机构需向付款方退回0.02欧元，因而需承担0.003154欧元的损失。如果收款方再次向付款方退回0.02美元，则支付机构再次换算后，将再次承担0.003154欧元的损失，显然，如果收款方与付款方之间多次进行上述、或者类似的需由支付机构承担损失的退款操作，则支付机构的损失将被成倍地扩大。
针对上述问题，本说明书提供一种多币种退款业务处理方法，如图3所示，该方法可以包括以下步骤：
S101，接收针对目标交易的退款请求，读取预先存储的所述目标交易的历史记录；
目标交易双方之间的退款，可以由付款方主动发起，经收款方同意或强制生效后，生成针对目标交易的退款请求；也可以由收款方主动发起，从而生成针对目标交易的退款请求。
所生成的退款请求中，可以携带本次退款的ID、收款方向付款方退回的应收退款金额、对应的目标交易的交易ID等等信息，该退款请求被发送至支付机构后，便可根据该退款请求中携带的信息，读取预先存储的所述目标交易的历史记录，从而根据交易与历史退款的历史数据、及本次退款的实时数据，处理本次退款业务。
具体可以通过多种方式，确定并读取目标交易的历史记录，本说明书实施例对此 不进行限定。
例如，多币种交易场景中进行的各笔交易，均可以具有唯一的交易ID，并且与该交易的付款方、收款方、交易时间、应收及实收付款金额等其他信息，一同记录在数据库中。而生成的退款请求中，将携带对应的目标交易的交易ID，支付机构接收到该退款请求后，即可获取其中的交易ID。
在一种具体实施例中，需要读取预先存储的所述目标交易的历史记录时，可以首先获得所述退款请求中携带的所述目标交易的ID；然后根据所获得的ID，在预先存储的全交易历史记录中，查找所述目标交易的历史记录。
S102，根据所述历史记录中的实收退款总额与本次退款请求中指定的应付退款金额，计算本次退款的实收退款金额；
本说明书实施例提供的一种具体实施方式中，在计算本次退款的实收退款金额时，根据目标交易的应收、实收付款金额，本次退款的应收退款金额及历史退款的应收、实收退款总额，将本次退款与历史退款作为一次整体的退款，计算实收退款总额，从而计算本次的实收退款金额。因此，接收到针对目标交易的退款请求并读取目标交易的历史记录后，需要获得上述金额。
具体可以通过多种方式，获得历史记录中的上述金额，本说明书实施例对此不进行限定。
在一种具体实施方式中，可以由查找到的所述目标交易的历史记录中的交易信息，获得目标交易的应收付款金额P及实收付款金额R。
此外，生成的退款请求中，还将携带本次退款的应收退款金额r k，也可以直接获得。
多币种交易场景中进行的各笔交易的每次退款，也可以具有唯一的退款ID，并且与该次退款的对应交易ID、付款方、收款方、退款时间、应收及实收退款金额其他信息，一同记录在历史记录中。
可以在查找到的所述目标交易的历史记录中，确定目标交易的各次历史退款的各条退款信息。针对所确定的每条退款信息，获得该次历史退款的应收退款金额及实收退款金额次历史退款的应收退款金额及实收退款金额，从而计算所获得的各次历史退款的应收退款金额之和，为应收退款总额r ∑，计算所获得的各次历史退款的实收退款金额之和，为实收退款总额p ∑。
此外，还可以将每次处理退款后得到的应收与实收退款总额等信息，以历史退款累计信息的形式，记录在历史记录中。在查找到的所述目标交易的历史记录中，确定该历史退款累计信息，并从中获得所述目标交易的各次历史退款的应收退款总额r ∑及实收退款总额p ∑。
在多币种退款场景中，通常情况下发起的退款，均为正常的退款，例如，针对某笔交易只进行少数几次退款、或者各次退款的汇率换算结果有舍有入等。而利用汇率换算的舍入漏洞，多次进行恶意退款，由于金额偏差的积累，使支付机构的损失扩大的情况，在多币种退款中所占比例较低。因此，也可以为本说明书提供的历史数据获得方式，设定触发条件，从而简化正常的多币种退款业务的处理流程。
根据所述退款请求，确定所述目标交易是否满足预设触发条件，若否，则获得值均为0的应收退款总额r ∑及实收退款总额p ∑；若是，则获得所述历史记录中，各次历史退款的应收退款总额r ∑及实收退款总额p ∑。
可以理解的是，上述获得历史记录中历史数据的具体方式，可以单独使用，也可以结合使用，本说明书实施例对此不进行限定。
预设的触发条件也可以由本领域技术人员，根据实际的应用场景进行设定。
例如，可以为：所述目标交易存在历史退款，如果所述目标交易存在历史退款，则进一步获得各次历史退款的应收退款总额r ∑及实收退款总额p ∑；如果不存在历史退款，则确定各次历史退款的应收退款总额r ∑及实收退款总额p ∑均为0，可以不必进一步获得。或者，也可以为：已进行N次历史退款等。
又如，可以为：所述目标交易存在退款损失，即如果在该目标交易之前的退款中，支付机构已经在舍入中出现损失，则进一步获得历史退款的金额信息。
此外，可以根据目标交易的交易双方设定触发条件，如：付款方和/或收款方的退款率高于预设阈值、付款方和/或收款方的信用值低于预设阈值、付款方和/或收款方的退款补偿金额高于预设阈值、等等。
本说明书实施例提供的多币种退款业务处理方案，在计算本次退款的实收退款金额时，所根据的原则是：如果将同一交易的各次退款，作为一次退款所计算的实收退款总额，应等于各次退款分别计算的实收退款金额之和。计算实收退款总额时，由于换算使用的汇率相同，在实际的计算中，汇率将被直接抵消，因此，上述原则实际相当于：在使用相同汇率换算的情况下，付款方金额比例与收款方金额比例应相等。也相当于， 在使用相同汇率换算的情况下，交易付款时付款方与收款方的金额比例，与退款时付款方与收款方的金额比例应相等。
根据上述原则计算本次退款的实收退款金额，所使用的公式可以具有多种形式，本说明书实施例对此不进行限定。
例如，如果根据退款请求分别获得了交易的应收、实收退款金额，本次退款的应收退款金额，及各次历史退款的各应收、实收退款金额，则计算本次退款的实收退款金额p k的公式可以为：
Figure PCTCN2019078078-appb-000001
其中，
n为所述目标交易的历史退款次数；
r i为所述目标交易第i次历史退款的应收退款金额(i＝1,2,…n)；
r k为所述目标交易本次退款的应收退款金额；
R为所述目标交易的实收付款金额；
P为所述目标交易的应收付款金额；
p i为所述目标交易第i次历史退款的实收退款金额(i＝1,2,…n)。
如果在每次处理退款时，均记录了各次历史退款的累计信息：应收退款总额r ∑及实收退款总额p ∑等，则计算本次退款的实收退款金额p k的公式可以为：
Figure PCTCN2019078078-appb-000002
其中，
r k为所述目标交易本次退款的应收退款金额；
R为所述目标交易的实收付款金额；
P为所述目标交易的应收付款金额。
如果确定目标交易不存在历史退款、或者存在其他不满足触发条件的情况，则计算本次退款的实收退款金额p k的公式可以为：
Figure PCTCN2019078078-appb-000003
其中，
r k为所述目标交易本次退款的应收退款金额；
R为所述目标交易的实收付款金额；
P为所述目标交易的应收付款金额。
S103，根据所计算的实付退款金额，确定本次退款的舍入策略并计算舍入差值；
S104，使用所计算的舍入差值更新所述历史记录的实收退款总额，以便后续根据所更新的实收退款总额，处理所述目标交易的多币种退款业务。
为了便于描述，将S103与S104结合进行描述。
计算得到本次退款的实付退款金额后，便可以进一步地确定本次退款的舍入策略。一般情况下，可以基于通用的四舍五入、或四舍六入五取偶等舍入原则，确定对本次退款的实付退款金额进行舍去或者补入，并在确定后进一步地计算舍去或者补入的差值。对于可能存在的下一次退款业务而言，本次退款便相当于历史退款，因此需要使用本次舍去或者补入的差值，更新历史记录的实收退款总额。
下面结合一个更为具体的实例，对本说明书提供的多币种退款业务处理方法进行说明。
在某跨境购物平台中，一欧洲的买家与一美国的卖家，就1件售价1美元的商品，完成了交易。其中，支付机构根据1美元＝0.8423欧元的汇率，确定该买家需支付0.84欧元，因此该买家向支付机构支付0.84欧元，而该卖家收到支付机构所支付的1美元。
之后，该卖家针对这笔交易，向支付机构发起了0.02美元的退款。
这是这笔交易的第一次退款，在处理该次退款业务时，通过读取历史记录，获得该笔交易的应收付款金额为0.84欧元，实收付款金额为1美元，并通过预设的是否存在历史退款的触发条件，获得均为0的历史退款的应收、实收退款总额，则可以计算本次退款的实收退款金额＝0.02/1*0.84＝0.0168欧元，并据此确定本次退款的舍入策略为补入，补入差值为0.0032欧元，即支付机构承担0.0032欧元的损失后，向该买家支付0.02欧元。
然后，需要在历史记录中更新第一次退款的数据，历史退款的应收退款总额更新为0.02美元，实收退款总额＝实收退款金额0.0168+差值0.02欧元。
而后，该卖家针对这笔交易，再次向支付机构发起了0.02美元的退款，即第二次退款。在处理本次退款业务时，如果就本次退款单独计算实收退款金额，则应该与上一 次退款相同，由支付机构承担0.0032欧元的损失后，向该买家支付0.02欧元。
但根据本说明书提供的方案，根据读取的历史记录，获得该笔交易的应收付款金额为0.84欧元，实收付款金额为1美元，历史退款的应收退款总额为0.02美元、实收退款总额为0.02欧元，则可以计算本次退款的实收退款金额＝(0.02+0.02)/1*0.84-0.02＝0.0136欧元，并进一步地确定舍入策略为舍去，舍去的差值为0.0036欧元，即支付机构承担0.0036欧元的收益后，向该买家支付0.01欧元。
之后，仍需要在历史记录中根据本次的舍去差值更新历史退款的应收退款总额。
可见，应用本说明书实施例的方案，在处理多币种退款业务时，将同一交易的各次退款，作为一次退款计算实收退款总额，再一次性地进行舍入，则可以使多次退款金额的偏差相互平衡，有效避免偏差的累计与扩大。
相应于上述方法实施例，本说明书实施例还提供一种多币种退款业务处理装置，参见图4所示，该装置可以包括：
历史记录读取模块110，用于接收针对目标交易的退款请求，读取预先存储的所述目标交易的历史记录；
退款金额计算模块120，用于根据所述历史记录中的实收退款总额与本次退款请求中指定的应付退款金额，计算本次退款的实收退款金额；
舍入策略确定模块130，用于根据所计算的实付退款金额，确定本次退款的舍入策略并计算舍入差值；
历史记录更新模块140，用于使用所计算的舍入差值更新所述历史记录的实收退款总额，以便后续根据所更新的实收退款总额，处理所述目标交易的多币种退款业务。
在本说明书提供的一种具体实施方式中，参见图5所示，所述退款金额计算模块120，可以包括：
历史金额获得单元121，用于获得所述历史记录中，所述目标交易的应收付款金额P、实收付款金额R，以及各次历史退款的应收退款总额r ∑及实收退款总额p ∑；
实时金额获得单元122，用于获得本次退款请求中指定的应收退款金额r k；
退款金额计算单元123，用于根据付款方金额比例与收款方金额比例相等的原则，计算本次退款的实收退款金额p k；其中，所述付款方金额比例为：
Figure PCTCN2019078078-appb-000004
所述收款方金额比例为：
Figure PCTCN2019078078-appb-000005
在本说明书提供的一种具体实施方式中，参见图6所示，所述历史记录读取模块110，可以包括：
交易ID获得单元111，用于获得所述退款请求中携带的所述目标交易的ID；
历史记录查找单元112，用于根据所获得的ID，在预先存储的全交易历史记录中，查找所述目标交易的历史记录。
在本说明书提供的一种具体实施方式中，所述历史金额获得单元121，具体可以用于：
从查找到的所述目标交易的历史记录中的交易信息，获得所述目标交易的应收付款金额P及实收付款金额R。
在本说明书提供的一种具体实施方式中，所述历史金额获得单元121，具体可以用于：
在查找到的所述目标交易的历史记录中，确定所述目标交易的各次历史退款的各条退款信息；
针对所确定的每条退款信息，获得该次历史退款的应收退款金额及实收退款金额；
计算所获得的各次历史退款的应收退款金额之和，为应收退款总额r ∑；计算所获得的各次历史退款的实收退款金额之和，为实收退款总额p ∑。
在本说明书提供的一种具体实施方式中，所述历史金额获得单元121，具体可以用于：
在查找到的所述目标交易的历史记录中，确定所述目标交易的历史退款累计信息；
从所确定的历史退款累计信息中，获得所述目标交易的各次历史退款的应收退款总额r ∑及实收退款总额p ∑。
在本说明书提供的一种具体实施方式中，所述历史金额获得单元121，具体可以用于：
根据所述退款请求，确定所述目标交易是否满足预设触发条件；
若否，则获得值均为0的应收退款总额r ∑及实收退款总额p ∑；
若是，则获得所述历史记录中，各次历史退款的应收退款总额r ∑及实收退款总额p ∑。
上述装置中各个模块的功能和作用的实现过程具体详见上述方法中对应步骤的实现过程，在此不再赘述。
本说明书实施例还提供一种计算机设备，其至少包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，其中，处理器执行所述程序时实现前述的多币种退款业务处理方法。该方法至少包括：
接收针对目标交易的退款请求，读取预先存储的所述目标交易的历史记录；
根据所述历史记录中的实收退款总额与本次退款请求中指定的应付退款金额，计算本次退款的实收退款金额；
根据所计算的实付退款金额，确定本次退款的舍入策略并计算舍入差值；
使用所计算的舍入差值更新所述历史记录的实收退款总额，以便后续根据所更新的实收退款总额，处理所述目标交易的多币种退款业务。
图7示出了本说明书实施例所提供的一种更为具体的计算设备硬件结构示意图，该设备可以包括：处理器1010、存储器1020、输入/输出接口1030、通信接口1040和总线1050。其中处理器1010、存储器1020、输入/输出接口1030和通信接口1040通过总线1050实现彼此之间在设备内部的通信连接。
处理器1010可以采用通用的CPU(Central Processing Unit，中央处理器)、微处理器、应用专用集成电路(Application Specific Integrated Circuit，ASIC)、或者一个或多个集成电路等方式实现，用于执行相关程序，以实现本说明书实施例所提供的技术方案。
存储器1020可以采用ROM(Read Only Memory，只读存储器)、RAM(Random Access Memory，随机存取存储器)、静态存储设备，动态存储设备等形式实现。存储器1020可以存储操作系统和其他应用程序，在通过软件或者固件来实现本说明书实施例所提供的技术方案时，相关的程序代码保存在存储器1020中，并由处理器1010来调用执行。
输入/输出接口1030用于连接输入/输出模块，以实现信息输入及输出。输入输出/模块可以作为组件配置在设备中(图中未示出)，也可以外接于设备以提供相应功能。其中输入设备可以包括键盘、鼠标、触摸屏、麦克风、各类传感器等，输出设备可以包括显示器、扬声器、振动器、指示灯等。
通信接口1040用于连接通信模块(图中未示出)，以实现本设备与其他设备的通信交互。其中通信模块可以通过有线方式(例如USB、网线等)实现通信，也可以通过无线方式(例如移动网络、WIFI、蓝牙等)实现通信。
总线1050包括一通路，在设备的各个组件(例如处理器1010、存储器1020、输入/输出接口1030和通信接口1040)之间传输信息。
需要说明的是，尽管上述设备仅示出了处理器1010、存储器1020、输入/输出接口1030、通信接口1040以及总线1050，但是在具体实施过程中，该设备还可以包括实现正常运行所必需的其他组件。此外，本领域的技术人员可以理解的是，上述设备中也可以仅包含实现本说明书实施例方案所必需的组件，而不必包含图中所示的全部组件。
本说明书实施例还提供一种计算机可读存储介质，其上存储有计算机程序，该程序被处理器执行时实现前述的多币种退款业务处理方法。该方法至少包括：
接收针对目标交易的退款请求，读取预先存储的所述目标交易的历史记录；
根据所述历史记录中的实收退款总额与本次退款请求中指定的应付退款金额，计算本次退款的实收退款金额；
根据所计算的实付退款金额，确定本次退款的舍入策略并计算舍入差值；
使用所计算的舍入差值更新所述历史记录的实收退款总额，以便后续根据所更新的实收退款总额，处理所述目标交易的多币种退款业务。
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，可用于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暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
通过以上的实施方式的描述可知，本领域的技术人员可以清楚地了解到本说明书实施例可借助软件加必需的通用硬件平台的方式来实现。基于这样的理解，本说明书实施例的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现 出来，该计算机软件产品可以存储在存储介质中，如ROM/RAM、磁碟、光盘等，包括若干指令用以使得一台计算机设备(可以是个人计算机，服务器，或者网络设备等)执行本说明书实施例各个实施例或者实施例的某些部分所述的方法。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机，计算机的具体形式可以是个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件收发设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任意几种设备的组合。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于装置实施例而言，由于其基本相似于方法实施例，所以描述得比较简单，相关之处参见方法实施例的部分说明即可。以上所描述的装置实施例仅仅是示意性的，其中所述作为分离部件说明的模块可以是或者也可以不是物理上分开的，在实施本说明书实施例方案时可以把各模块的功能在同一个或多个软件和/或硬件中实现。也可以根据实际的需要选择其中的部分或者全部模块来实现本实施例方案的目的。本领域普通技术人员在不付出创造性劳动的情况下，即可以理解并实施。
以上所述仅是本说明书实施例的具体实施方式，应当指出，对于本技术领域的普通技术人员来说，在不脱离本说明书实施例原理的前提下，还可以做出若干改进和润饰，这些改进和润饰也应视为本说明书实施例的保护范围。

Claims (15)

  1. 一种多币种退款业务处理方法，该方法包括：
    接收针对目标交易的退款请求，读取预先存储的所述目标交易的历史记录；
    根据所述历史记录中的实收退款总额与本次退款请求中指定的应付退款金额，计算本次退款的实收退款金额；
    根据所计算的实付退款金额，确定本次退款的舍入策略并计算舍入差值；
    使用所计算的舍入差值更新所述历史记录的实收退款总额，以便后续根据所更新的实收退款总额，处理所述目标交易的多币种退款业务。
  2. 根据权利要求1所述的方法，所述根据所述历史记录中的实收退款总额与本次退款请求中指定的应付退款金额，计算本次退款的实收退款金额，包括：
    获得所述历史记录中，所述目标交易的应收付款金额P、实收付款金额R，以及各次历史退款的应收退款总额r ∑及实收退款总额p ∑；
    获得本次退款请求中指定的应收退款金额r k；
    根据付款方金额比例与收款方金额比例相等的原则，计算本次退款的实收退款金额p k；其中，所述付款方金额比例为：
    Figure PCTCN2019078078-appb-100001
    所述收款方金额比例为：
    Figure PCTCN2019078078-appb-100002
  3. 根据权利要求2所述的方法，所述读取预先存储的所述目标交易的历史记录，包括：
    获得所述退款请求中携带的所述目标交易的ID；
    根据所获得的ID，在预先存储的全交易历史记录中，查找所述目标交易的历史记录。
  4. 根据权利要求3所述的方法，所述获得所述历史记录中，所述目标交易的应收付款金额P、实收付款金额R，包括：
    由查找到的所述目标交易的历史记录中的交易信息，获得所述目标交易的应收付款金额P及实收付款金额R。
  5. 根据权利要求3所述的方法，所述获得所述历史记录中，各次历史退款的应收退款总额r ∑及实收退款总额p ∑，包括：
    在查找到的所述目标交易的历史记录中，确定所述目标交易的各次历史退款的各条退款信息；
    针对所确定的每条退款信息，获得该次历史退款的应收退款金额及实收退款金额；
    计算所获得的各次历史退款的应收退款金额之和，为应收退款总额r ∑，计算所获得的各次历史退款的实收退款金额之和，为实收退款总额p ∑。
  6. 根据权利要求3所述的方法，所述获得所述历史记录中，各次历史退款的应收退款总额r ∑及实收退款总额p ∑，包括：
    在查找到的所述目标交易的历史记录中，确定所述目标交易的历史退款累计信息；
    从所确定的历史退款累计信息中，获得所述目标交易的各次历史退款的应收退款总额r ∑及实收退款总额p ∑。
  7. 根据权利要求2所述的方法，所述获得所述历史记录中，各次历史退款的应收退款总额r ∑及实收退款总额p ∑，包括：
    根据所述退款请求，确定所述目标交易是否满足预设触发条件；
    若否，则获得值均为0的应收退款总额r ∑及实收退款总额p ∑；
    若是，则获得所述历史记录中，各次历史退款的应收退款总额r ∑及实收退款总额p ∑。
  8. 一种多币种退款业务处理装置，该装置包括：
    历史记录读取模块，用于接收针对目标交易的退款请求，读取预先存储的所述目标交易的历史记录；
    退款金额计算模块，用于根据所述历史记录中的实收退款总额与本次退款请求中指定的应付退款金额，计算本次退款的实收退款金额；
    舍入策略确定模块，用于根据所计算的实付退款金额，确定本次退款的舍入策略并计算舍入差值；
    历史记录更新模块，用于使用所计算的舍入差值更新所述历史记录的实收退款总额，以便后续根据所更新的实收退款总额，处理所述目标交易的多币种退款业务。
  9. 根据权利要求8所述的装置，所述退款金额计算模块，包括：
    历史金额获得单元，用于获得所述历史记录中，所述目标交易的应收付款金额P、实收付款金额R，以及各次历史退款的应收退款总额r ∑及实收退款总额p ∑；
    实时金额获得单元，用于获得本次退款请求中指定的应收退款金额r k；
    退款金额计算单元，用于根据付款方金额比例与收款方金额比例相等的原则，计算本次退款的实收退款金额p k；其中，所述付款方金额比例为：
    Figure PCTCN2019078078-appb-100003
    所述收款方金额比例为：
    Figure PCTCN2019078078-appb-100004
  10. 根据权利要求9所述的装置，所述历史记录读取模块，包括：
    交易ID获得单元，用于获得所述退款请求中携带的所述目标交易的ID；
    历史记录查找单元，用于根据所获得的ID，在预先存储的全交易历史记录中，查找所述目标交易的历史记录。
  11. 根据权利要求10所述的装置，所述历史金额获得单元，具体用于：
    从查找到的所述目标交易的历史记录中的交易信息，获得所述目标交易的应收付款金额P及实收付款金额R。
  12. 根据权利要求10所述的装置，所述历史金额获得单元，具体用于：
    在查找到的所述目标交易的历史记录中，确定所述目标交易的各次历史退款的各条退款信息；
    针对所确定的每条退款信息，获得该次历史退款的应收退款金额及实收退款金额；
    计算所获得的各次历史退款的应收退款金额之和，为应收退款总额r ∑；计算所获得的各次历史退款的实收退款金额之和，为实收退款总额p ∑。
  13. 根据权利要求10所述的装置，所述历史金额获得单元，具体用于：
    在查找到的所述目标交易的历史记录中，确定所述目标交易的历史退款累计信息；
    从所确定的历史退款累计信息中，获得所述目标交易的各次历史退款的应收退款总额r ∑及实收退款总额p ∑。
  14. 根据权利要求9所述的装置，所述历史金额获得单元，具体用于：
    根据所述退款请求，确定所述目标交易是否满足预设触发条件；
    若否，则获得值均为0的应收退款总额r ∑及实收退款总额p ∑；
    若是，则获得所述历史记录中，各次历史退款的应收退款总额r ∑及实收退款总额p ∑。
  15. 一种计算机设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，其中，所述处理器执行所述程序时实现如权利要求1至7任一项所述的方法。
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