CN106557917B - Information processing method and device and information processing platform - Google Patents
Information processing method and device and information processing platform Download PDFInfo
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- CN106557917B CN106557917B CN201610967520.9A CN201610967520A CN106557917B CN 106557917 B CN106557917 B CN 106557917B CN 201610967520 A CN201610967520 A CN 201610967520A CN 106557917 B CN106557917 B CN 106557917B
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- 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
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- 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
- G06Q20/16—Payments settled via telecommunication systems
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- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The invention provides an information processing method, an information processing device and an information processing platform, wherein the information processing method comprises the following steps: receiving a processing request sent by a service side terminal based on a transfer request from a payer; verifying whether the account of the service party has a preset authority; if yes, sending a value transfer request to the payer terminal; receiving verification information sent by a payer terminal according to the value transfer request; and when the verification information is consistent with the reserved verification information corresponding to the payer account, processing the processing request, sending a successfully transferred processing result to the server side terminal, and sending the successfully transferred processing result to the payee side terminal by the server side terminal. The service side account initiates a processing request for payment operation to the information processing platform, and the value transfer is realized through the service side account, so that the qualification of a payee does not need to be verified, the collection efficiency is improved, and the social resources are further saved.
Description
Technical Field
The present invention relates to information processing technologies in the field of communications, and in particular, to an information processing method, an information processing apparatus, and an information processing platform.
Background
With the development of internet technology and mobile terminal technology, more and more users use payment platforms installed on mobile terminals to perform mobile payment. Traditional mobile payments typically include two types, one for social payments and one for commercial payments. The social payment refers to the payment of friend accounts of the payment platform, or the account information of the payee on the payment platform is obtained by scanning the two-dimensional code of the payee, and payment is initiated to the payee. The commercial payment means that a merchant acquires a commercial account number on a payment platform by submitting qualification certificates, public banks and other information to the payment platform. After the payer initiates payment, the payment platform verifies whether the payee is the registered commercial account number, when the payee is verified to be the commercial account number of the payment platform, the payment is carried out to the commercial account number of the payee in the payment platform, and the payee can be brought to the bank to be paid to the public account.
The commercial payment is paid to a commercial account number of a merchant, and account checking, transaction management and operation analysis can be realized by looking at the related payment information of the commercial account number. Social payments are payments to individual accounts, including both payments made by individuals in the social network, e.g., a red envelope sent by friends, and payments made by consumers to consumers of individual merchants, e.g., payments for purchases of goods. Due to the fact that payment forms of social payments include a plurality of situations, personal merchant account checking, transaction management and operation analysis are inconvenient. Thus, it is preferable for the merchant to use commercial payments.
But the traditional commercial payment needs to verify the qualification of the merchant, and has the disadvantages of complex operation and low efficiency.
Disclosure of Invention
In view of the above, it is necessary to provide an efficient information processing method, apparatus, and information processing platform.
In order to achieve the purpose, the embodiment of the invention adopts the following technical scheme:
an information processing method comprising:
receiving a processing request sent by a service side terminal based on a transfer request from a payer side terminal, wherein the processing request carries a payer side account, a payee side account and a service side account;
verifying whether the service side account number has a preset authority;
if yes, sending a value transfer request to the payer terminal;
receiving verification information sent by the payer terminal according to the value transfer request;
and when the verification information is consistent with the reserved verification information corresponding to the payer account, processing the processing request, sending a processing result of successful transfer to the server side terminal, and sending the processing result of successful transfer to the payee side terminal by the server side terminal.
An information processing method comprising:
receiving a transfer request sent by a payer terminal;
generating a processing request based on the transfer request, sending the processing request to an information processing platform, wherein the processing request carries a payer account, a payee account and a server account, and processing the processing request when the information processing platform verifies that the server account has a preset right;
and receiving the successfully transferred processing result sent by the information processing platform, and sending the successfully transferred processing result to the payee terminal.
An information processing platform comprising: the device comprises a receiving module, a verification module, a sending module and a processing module;
the receiving module is used for receiving a processing request sent by a server terminal based on a transfer request from a payer terminal, wherein the processing request carries a payer account, a payee account and a server account;
the verification module is used for verifying whether the service side account number has a preset authority;
the sending module is used for sending a value transfer request to the payer terminal when the verification result of the verification module is positive;
the receiving module is also used for receiving verification information sent by the payer terminal according to the value transfer request;
the verification module is also used for verifying whether the verification information is consistent with the reserved verification information corresponding to the payer account;
the processing module is used for processing the processing request when the verification information is consistent with the reserved verification information corresponding to the payer account;
the sending module is further configured to send the processing result of successful transfer to the server side terminal, and the server side terminal sends the processing result of successful transfer to the payee side terminal.
An information processing apparatus comprising: the system comprises a service receiving module, a service processing module and a service sending module;
the service receiving module is used for receiving a transfer request sent by a payer terminal;
the service processing module is used for generating a processing request based on the transfer request;
the service sending module is used for sending the processing request to an information processing platform, wherein the processing request carries a payer account, a payee account and a server account, and the information processing platform processes the processing request when verifying that the server account has a preset right;
the service receiving module also receives the successfully transferred processing result sent by the information processing platform and sends the successfully transferred processing result to the payee terminal.
The information processing method receives a processing request sent by a service party based on a transfer request of a payer, sends a numerical value transfer request to the payer when the account number of the service party is verified to have a preset right, receives verification information sent by the payer based on the numerical value transfer request, processes the processing request and sends a processing result to the account number of the service party after the verification is passed, and the account number of the service party sends the processing result to a payee terminal. The payment processing method has the advantages that the processing request of the payment operation is initiated to the information processing platform through the service side account, and the value transfer through the service side account is realized, so that the qualification of a payee does not need to be verified, the collection efficiency is improved, and the social resources are further saved.
Drawings
FIG. 1 is a schematic diagram of an application environment of an embodiment of the present invention;
FIG. 2 is a schematic diagram of an internal structure of a server terminal or an information processing platform according to an embodiment;
FIG. 3 is a flow diagram of an information processing method of an embodiment;
FIG. 4 is a timing diagram illustrating an information processing method according to an embodiment;
FIG. 5 is a schematic diagram illustrating a timing sequence of steps of paying and transmitting a bill in the information processing method according to still another embodiment;
FIG. 6 is a flow diagram of an information processing method of an embodiment;
FIG. 7 is a block diagram of an information handling platform according to an embodiment;
FIG. 8 is a block diagram of an information processing platform according to yet another embodiment;
FIG. 9 is a schematic configuration diagram of an information processing apparatus according to an embodiment;
fig. 10 is a schematic configuration diagram of an information processing apparatus according to still another embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the detailed description and specific examples, while indicating the scope of the invention, are intended for purposes of illustration only and are not intended to limit the scope of the invention.
Fig. 1 is a schematic application environment diagram of an information processing method according to an embodiment. As shown in fig. 1, the application environment includes a payer terminal 101, a payee terminal 102, a server terminal 103, and an information processing platform 104. The payer terminal 101 and the server terminal 102 are connected via a network, and each terminal is connected to the information processing platform 104 via a network. Taking a transaction behavior as an example, the payer terminal 101 is located at a consumer side, the payee terminal 102 is located at a merchant side, the server terminal 103 is located at a server side, and the server provides a payment receiving service for the merchant after registering and acquiring a corresponding right at the information processing platform. After the consumer consumes in the merchant, the payer terminal 101 is used to scan the two-dimensional code located at the merchant side, the two-dimensional code is provided by the service party after the merchant side registers in the service party, the two-dimensional code includes a payee account and a service party account, the payer terminal 101 sends a transfer request to the service party terminal 103, and sends a processing request to the information processing platform 104 through the service party terminal 103. After verifying the authority of the server account and the password of the payer account, the information processing platform 104 processes the processing request, sends a processing result of successful transfer to the server terminal 103, and sends the processing result to the payee terminal 102 by the server terminal 103. Due to the introduction of the server, the value transfer is realized by the account number of the server, the qualification of the payee does not need to be verified, the collection efficiency is improved, and the social resources are further saved.
Fig. 2 is a schematic diagram of an internal structure of the server in one embodiment. As shown in fig. 2, the server includes a processor, a storage medium, a memory, and a network interface connected through a system bus. The storage medium of the server stores an operating system and further comprises an information processing platform, and the information processing platform is used for realizing the information processing method. The processor is used for providing calculation and control capacity and supporting the operation of the whole server. The internal memory in the server provides environment for the operation of the information processing platform in the storage medium, the network interface is in network communication with the payee terminal/server terminal/payer minced meat, if the server terminal sends a processing request to the information processing platform, the information processing platform sends a processing result to the payee terminal. Those skilled in the art will appreciate that the architecture shown in fig. 2 is a block diagram of only a portion of the architecture associated with the subject application, and does not constitute a limitation on the terminals to which the subject application applies, and that a particular server may include more or fewer components than those shown, or some components may be combined, or have a different arrangement of components. The server serving as the server-side terminal is similar in structure to fig. 2, and a storage medium of the server stores an operating system, and further includes an information processing apparatus for implementing an information processing method. The other structures are the same as those in fig. 2, and are not described again.
FIG. 3 is a flow diagram of a method for information processing in one embodiment. The information processing method is executed on the information processing platform 104 shown in fig. 1, and the method of the embodiment includes the following steps:
s302: and receiving a processing request sent by the service side terminal based on the transfer request from the payer.
The server account is registered on the server terminal 103. The server terminal needs to have a certain processing capability.
The payer account is registered in the payer terminal 101, and the payee account is registered in the payee terminal 102. The transfer request is sent to the server terminal 103 through the payer terminal 101 shown in fig. 1, and the transfer request carries a payer account, a payee account, and a server account. The merchant side provides a receiver account and a server account. In a specific embodiment, the merchant side provides a two-dimensional code stored with a payee account and a server account, which is obtained by registering with the server, and the payer terminal 101 scans the two-dimensional code to obtain the payee account and the server account. A payment page is displayed at the payer terminal 101 for prompting the payer to input the transfer value. The payer initiates payment on the payment page after entering the transfer value.
The service side account number provided by the merchant side can be acquired by the payee after the registration of the service side in advance. The service party registers and orders the service party to open a collection function, and the service party provides collection service for the collection party. And after the payee successfully registers in the server terminal, the server terminal sends the two-dimensional code in which the payee account and the server account are stored to the payee terminal. The merchant can print the two-dimensional code and show that the consumer scans on cash desk one side, also can show the two-dimensional code on the display device at terminal and supply the consumer to scan.
The payer sends a transfer request to the server terminal through the payer terminal, and the payer terminal sends a processing request to the information processing platform. The processing request carries a payer account, a payee account and a server account.
S304: and verifying whether the account of the service party has the preset authority. If yes, go to step S306.
The service party registers to the information processing platform through the terminal and provides collection service for the collection party. And after the registration is successful, the information processing platform allocates a preset authority for the service party account. The preset authority in this embodiment is an authority to provide a payment receiving service.
S306: a value transfer request is sent to the payer terminal.
S308: and receiving the verification information sent by the payer terminal according to the value transfer request.
And after verifying that the service side account number has the authority of receiving the payment service, the information processing platform sends a value transfer request to the payer terminal. The value transfer request is used for obtaining a payment instruction of the payer and deducting money according to the payment instruction. And after receiving the value transfer request sent by the information processing platform, the payer terminal displays an input interface on a display interface of the payer terminal, and the payer inputs verification information and sends the verification information to the information processing platform. The verification information in this embodiment is a payment password of the payer account.
S310: and when the verification information is consistent with the reserved verification information corresponding to the payer account, processing the processing request, sending a successfully transferred processing result to the server side terminal, and sending the successfully transferred processing result to the payee side terminal by the server side terminal.
The account of the payer is preset with verification information for confirming payment on the information processing platform, and the verification information is a payment password in the embodiment. And when receiving the verification information sent by the payer account based on the value transfer request, comparing the verification information with the reserved verification information corresponding to the payer account on the information processing platform. And if the request is consistent with the processing request, processing the processing request. And processing the processing request, specifically, according to the processing request, deducting the related corresponding amount from the payer account and transferring the deducted amount to the payee account. The processing result includes a processing result of transfer success and a processing result of transfer failure. If the deduction is successful, the transfer is successful, and if the deduction is failed, the transfer is failed. Reasons for transfer failure include wrong authentication information (wrong payment password), insufficient balance of the payer account, and the like. And if the processing result is successful transfer, the processing result of successful transfer is sent to the server side terminal, and the server side terminal sends the processing result of successful transfer to the payee side account. And the merchant checks the message of successful transfer through the payee terminal to confirm that the consumer is successfully transferred.
The information processing method receives a processing request sent by a service party based on a transfer request of a payer, sends a numerical value transfer request to the payer when the account number of the service party is verified to have a preset right, receives verification information sent by the payer based on the numerical value transfer request, processes the processing request and sends a processing result to the account number of the service party after the verification is passed, and the account number of the service party sends the processing result to a payee terminal. The payment processing method has the advantages that the processing request of the payment operation is initiated to the information processing platform through the service side account, and the value transfer through the service side account is realized, so that the qualification of a payee does not need to be verified, the collection efficiency is improved, and the social resources are further saved.
In another embodiment, as shown in fig. 4, the information processing method further includes: and when the verification information is inconsistent with the reserved verification information corresponding to the payer account, sending a processing result of transfer failure to the payer terminal.
The processing result of the transfer failure also includes the reason of the transfer failure. In this embodiment, the reason for the transfer failure is that the payment password is wrong.
In still another embodiment, the information processing method further includes: and if the verification server account does not have the preset authority, sending a processing result of the transfer failure to the payer terminal and/or the payee terminal.
In still another embodiment, as shown in fig. 5, the information processing method further includes a bill checking step, and the bill checking step specifically includes the following steps 1 to 2.
Step 1: detecting the current time, and generating a service side bill of the service side account in unit time when the current time meets a bill checking condition; the service side bill includes each payee account and value transfer information for value transfer by the service side account.
In this embodiment, the information processing platform is provided with a bill checking condition, and when the bill checking condition is met, a service side bill is generated. The bill checking condition of the embodiment is time, and the information processing platform may set the bill checking time, for example, ten points per day. And the information processing platform detects the current time, and generates a bill of the service party in unit time when the set time is reached. The service side bill comprises each payee account and value transfer information for transferring the value through the service side account. The value transfer information includes a value transfer time, a payer account, a transferred value, and the like. The unit time refers to a time period covered by the bill of the service party when the transaction occurs, and in one embodiment, the unit time is day/week/month, and the like, and the bill of the service party with the value transferred in the previous day is generated when the bill checking condition is met by taking the unit time as an example. Taking unit time as an example, when the bill checking condition is met, a service side bill for carrying out numerical value transfer in the previous week is generated.
Step 2: and sending the service side bill to the service side terminal, and sending each payee side bill to the corresponding payee side terminal after the service side terminal checks that each local payee side bill is consistent with the service side bill.
And the server side terminal generates each payee bill according to the local transaction record, wherein the payee bill comprises numerical value transfer information, and the numerical value transfer information comprises numerical value transfer time, a payer account, a transfer numerical value and the like. And the server side terminal checks the service side bill recorded by the information processing platform and the payee side bill recorded by the server side terminal according to the payee side account number, and if the service side bill and the payee side bill are consistent, the server side terminal sends each payee side bill to the corresponding payee side terminal. It should be understood that the service side can provide the payee side with a daily bill, a monthly bill, an annual bill, or the like by setting different unit times and corresponding bill checking conditions. After the merchant receives the bill through the terminal, the account can be checked, the business condition can be visually known through the bill, and the operation is analyzed.
In one embodiment, the processing request also carries a transfer value; when the verification information is consistent with the reserved verification information corresponding to the payer account, the step of processing the processing request specifically comprises the following steps: the transfer value is deducted from the payer account.
It should be understood that, when the transfer value is deducted from the payer account, if the payment method selected by the payer is deducting the fee from the bound bank card or account balance, the available balance in the bank card or account balance of the information processing platform should be queried before deducting. When the transferred value is not less than the available balance, the transferred value is deducted from the payer account. And if the fee is successfully deducted from the payer account, the payer account is successfully transferred to the payee account, otherwise, the transfer fails. Wherein, the available balance is smaller than the transfer value as one reason of transfer failure.
The method of information processing further comprises the step of payment, the step comprising: and detecting the current time, and transferring the transfer value of each payer deducted in the unit time to the corresponding payee account when the current time meets the settlement condition.
In this embodiment, the information processing platform is provided with a settlement condition, and when the settlement condition is reached, the information processing platform pays for the payee account. The settlement condition of the present embodiment is time, and the information processing platform may set the settlement time, for example, eight points per day. In this embodiment, the transfer value deducted from the payer account is not immediately transferred to the payee account, but when the preset settlement condition is satisfied, the information processing platform transfers the transfer value deducted within the unit time of each payer to the corresponding payee account. The settlement period between the information processing platform and the account number of the receiver is set by setting the unit time. The unit time may be day/week/month, etc., and taking the unit time as the day as an example, the information processing platform makes a daily settlement with the payee account, and when the current time reaches a set settlement time, for example, eight points per day, the information processing platform transfers the charge of the payee account received on the previous day to the payee account. It will be appreciated that in order to facilitate the payee to check the bill, the settlement time is earlier than the delivery time of the bill.
In this embodiment, by setting the settlement condition, the information processing platform can be prevented from frequently settling the account of the payee, and the processing pressure of the information processing platform is reduced.
According to the information processing method, the service side account number initiates a processing request for payment operation to the information processing platform, the information processing platform does not need to verify the payee side account number, and the merchant can carry out commercial payment without providing a relevant qualification certification file, so that the commercial payment threshold of the merchant is reduced, and convenience is provided for the merchant to carry out commercial payment. Meanwhile, the service party provides a statement for the payee, thereby facilitating account checking, transaction management and operation analysis of merchants and commercial payment management of the payee.
In one embodiment, an information processing method is provided, which is applied to the server terminal 103 shown in fig. 1, and as shown in fig. 6, the method includes the following steps:
s602: and receiving a transfer request sent by the payer terminal.
The transfer request is sent to the server terminal 103 through the payer terminal 101 shown in fig. 1, and the transfer request carries a payer account, a payee account, and a server account. The merchant side provides a receiver account and a server account. In a specific embodiment, the merchant side provides a two-dimensional code storing a payee account and a server account, and the payer terminal 101 scans the two-dimensional code to obtain the payee account and the server account. A payment page is displayed at the payer terminal 101 for prompting the payer to input the transfer value. The payer initiates payment on the payment page after entering the transfer value.
S604: and generating a processing request based on the transfer request, sending the processing request to an information processing platform, carrying a payer account, a payee account and a server account, and processing the processing request by the information processing platform when the server account is verified to have a preset right according to the server account.
The payer sends a transfer request to the server terminal through the payer terminal, and the payer terminal sends a processing request to the information processing platform. The processing request carries a payer account, a payee account and a server account.
The service party registers to the information processing platform through the terminal and provides collection service for the collection party. And after the registration is successful, the information processing platform allocates a preset authority for the service party account. The preset authority in this embodiment is an authority to provide a payment receiving service. And when the information processing platform verifies that the service side account number has the preset right, processing the processing request.
S606: and receiving the successfully transferred processing result sent by the information processing platform, and sending the successfully transferred processing result to the payee terminal.
The processing result of processing the processing request includes a processing result of transfer success and a processing result of transfer failure. If the deduction is successful, the transfer is successful, and if the deduction is failed, the transfer is failed. Reasons for transfer failure include wrong authentication information (wrong payment password), insufficient balance of the payer account, and the like. And if the processing result is successful transfer, the processing result of successful transfer is sent to the server side terminal, and the server side terminal sends the processing result of successful transfer to the payee side account. And the merchant checks the message of successful transfer through the payee terminal to confirm that the consumer is successfully transferred.
According to the information processing method, the transfer request of the payer is received, the processing request is sent to the information processing platform based on the transfer request, when the information processing platform verifies that the account number of the service party has the preset right, the processing request is processed, the processing result of successful transfer sent by the information processing platform is received, and the processing result is sent to the payee terminal. The payment processing method has the advantages that the processing request of the payment operation is initiated to the information processing platform through the service side account, and the value transfer through the service side account is realized, so that the qualification of a payee does not need to be verified, the collection efficiency is improved, and the social resources are further saved.
In another embodiment, the method further comprises a step of sending the statement bill, wherein the step of sending the statement bill specifically comprises the following four steps:
and receiving a service side bill sent by the information processing platform, wherein the service side bill comprises each payee account and numerical value transfer information for carrying out numerical value transfer through the service side account.
In this embodiment, the information processing platform is provided with a bill checking condition, and when the bill checking condition is met, a service side bill is generated. The bill checking condition of the embodiment is time, and the information processing platform may set the bill checking time, for example, ten points per day. And the information processing platform detects the current time, and generates a bill of the service party in unit time when the set time is reached. The service side bill comprises each payee account and value transfer information for transferring the value through the service side account. The value transfer information includes a value transfer time, a payer account, a transferred value, and the like. The unit time refers to a time period covered by the bill of the service party when the transaction occurs, and in one embodiment, the unit time is day/week/month, and the like, and the bill of the service party with the value transferred in the previous day is generated when the bill checking condition is met by taking the unit time as an example.
And generating bills of all the payee parties for transferring the numerical value through the account number of the service party in unit time according to the numerical value transfer information recorded locally.
And generating bills of all the payee parties according to the local transaction records, wherein the bills of the payee parties comprise numerical value transfer information, and the numerical value transfer information comprises numerical value transfer time, account numbers of the payer parties, transfer numerical values and the like.
And checking the bill of the payee and the bill of the service party according to the account number of the payee. If the check is correct, executing the following steps:
and sending the bill of each payee to the corresponding payee terminal.
And checking the service party bill recorded by the information processing platform and the payee bill recorded by the service party terminal according to the payee account, and if the service party bill and the payee bill are consistent, sending each payee bill to the corresponding payee terminal by the service party terminal. It should be understood that the service side can provide the payee side with a daily bill, a monthly bill, an annual bill, or the like by setting different unit times and corresponding bill checking conditions. After the merchant receives the bill through the terminal, the account can be checked, the business condition can be visually known through the bill, and the operation is analyzed.
According to the information processing method, the service side account number initiates a processing request for payment operation to the information processing platform, the information processing platform does not need to verify the payee side account number, and the merchant can carry out commercial payment without providing a relevant qualification certification file, so that the commercial payment threshold of the merchant is reduced, and convenience is provided for the merchant to carry out commercial payment. Meanwhile, the service party provides a statement for the payee, thereby facilitating account checking, transaction management and operation analysis of merchants and commercial payment management of the payee.
The following provides a specific information processing method, which includes the following steps:
s1: and the payer terminal scans the two-dimensional code to obtain a server account and a receiver account.
S2: and sending a transfer request to the server side terminal, wherein the transfer request comprises a payer account, a payee account, a server account and a transfer value.
S3: and the server terminal receives the transfer request and sends a processing request to the information processing platform based on the transfer request. The processing request includes a payer account, a payee account, a server account, and a transfer value.
S4: and the information processing platform verifies the authority of the account number of the payer and the payment information of the payer. If not, step S5 is executed, and if the verification is passed, step S6 is executed.
S5: and the information processing platform sends the processing result of the transfer failure to the payer terminal and/or the payee terminal.
S6: and the information processing platform sends a value transfer request to the payer terminal.
After step S6, the method further includes the steps of:
s7: and the information processing platform acquires the verification information sent by the payer terminal according to the value transfer request.
S8: and the information processing platform verifies whether the verification information is consistent with the reserved verification information corresponding to the payer account. If not, step S9 is executed, and if yes, step S10 is executed.
S9: and the information processing platform sends the processing result of the transfer failure to the payer terminal.
S10: the information processing platform deducts the transfer value from the payer account.
Step S11 is also included after step S10: and after the deduction is successful, the information processing platform sends a processing result of successful transfer to the server side terminal.
Step S12: and the server side terminal sends the successfully transferred processing result to the payee side terminal and the payer side terminal.
And S13, the information processing platform detects the current time, and when the current time meets the settlement condition, the information processing platform transfers the transfer value of each payer deducted in unit time to the corresponding payee account.
In this embodiment, the settlement condition is that the time reaches eight points, the unit time is day, and when the current time reaches eight points, the information processing platform transfers the transfer value of each payer deducted from the previous day to the corresponding payee account.
S14: the information processing platform detects the current time, and when the current time meets a bill checking condition, the information processing platform generates a bill of a service party of the account number of the service party in unit time; the service side bill includes each payee account and value transfer information for value transfer by the service side account.
In this embodiment, the bill checking condition is that the time reaches ten points, the unit time is day, and when the current time reaches ten points, the information processing platform generates bills of the account numbers of the service parties, which are subjected to numerical value transfer through the account numbers of the service parties in the previous day.
S15: and the information processing platform sends the service party bill to the service party terminal.
S16: and the server side terminal receives a service side bill sent by the information processing platform, wherein the service side bill comprises each payee side account and the numerical value transfer information, and the numerical value transfer information is transferred through the server side account.
S17: and the service side terminal generates each payee bill for transferring the numerical value through the service side account in unit time according to the numerical value transfer information recorded locally.
S18: and the server side terminal checks the bill of the payee and the bill of the server side according to the account of the payee. If the check is correct, step S19 is executed.
S19: and the server side terminal sends the bills of all the payee sides to the corresponding payee side terminal.
According to the information processing method, the service side account initiates the processing request of the payment operation to the information processing platform, on one hand, the value transfer is realized through the service side account, so that the qualification of the payee does not need to be verified, the collection efficiency is improved, and the social resources are further saved. On the other hand, the information processing platform does not need to verify the account number of the payee, and the merchant can carry out commercial payment without providing a related qualification certification file, so that the commercial payment threshold of the merchant is reduced, and convenience is provided for the merchant to carry out commercial payment. Meanwhile, the service party provides a statement for the payee, thereby facilitating account checking, transaction management and operation analysis of merchants and commercial payment management of the payee.
In one embodiment, there is provided an information processing platform, as shown in fig. 7, comprising: a receiving module 701, a verifying module 702, a sending module 703 and a processing module 704.
The receiving module 701 is configured to receive a processing request sent by a service side terminal based on a transfer request from a payer side terminal, where the processing request carries a payer account, a payee account, and a service side account.
The verification module 702 is configured to verify whether the service side account has a preset authority.
A sending module 703, configured to send a value transfer request to the payer terminal when the verification result of the verification module is yes.
The receiving module 701 is further configured to receive verification information sent by the payer terminal according to the value transfer request.
The verification module 702 is further configured to verify whether the verification information is consistent with the reserved verification information corresponding to the payer account.
And the processing module 704 is configured to process the processing request when the verification information is consistent with the reserved verification information corresponding to the payer account.
The sending module 703 is further configured to send the processing result of successful transfer to the server terminal, and the server terminal sends the processing result of successful transfer to the payee terminal.
The information processing platform receives a processing request sent by a service party based on a transfer request of a payer, sends a value transfer request to the payer when the account number of the service party is verified to have a preset right, receives verification information sent by the payer based on the value transfer request, processes the processing request and sends a processing result to the account number of the service party after the verification is passed, and the account number of the service party sends the processing result to a payee terminal. Because the processing request for the payment operation is initiated to the information processing platform through the service side account, the information processing platform does not need to verify the payee side account, and the merchant can carry out commercial payment without providing a related qualification certification file, thereby reducing the threshold of the merchant for carrying out commercial payment and providing convenience for the merchant to carry out commercial payment.
In yet another embodiment, as shown in fig. 8, the information processing platform further comprises a detection module 705 and a bill generation module 706.
A detecting module 705 configured to detect a current time.
The bill generation module 706 is configured to generate a service party bill of the service party account in unit time when the detection module detects that the current time meets the bill checking condition; the service side bill includes each payee account and value transfer information for value transfer by the service side account.
The sending module 703 sends the service side bill to the service side terminal, and the service side terminal sends each local payee side bill to the corresponding payee side terminal after checking that each local payee side bill is consistent with the service side bill.
After the merchant receives the bill through the terminal, the account can be checked, the business condition can be visually known through the bill, and the operation is analyzed.
In yet another embodiment, the processing request also carries a transfer value; a processing module 704, configured to deduct a transfer value from the payer account when the verification information is consistent with the reserved verification information corresponding to the payer account;
the information processing platform further comprises a judging module 707, and the judging module 707 is configured to judge whether the settlement condition is satisfied according to the current time.
If the determination result of the determination module is yes, the processing module 704 transfers the transfer value of each payer deducted within the unit time to the corresponding payee account.
In this embodiment, by setting the settlement condition, the information processing platform can be prevented from frequently settling the account of the payee, and the processing pressure of the information processing platform is reduced.
In one embodiment, the sending module 703 is further configured to send the processing result of the transfer failure to the payer terminal when the verification information is inconsistent with the reserved verification information corresponding to the payer account.
Or the sending module 703 is further configured to send a processing result of the transfer failure to the payer terminal and/or the payee terminal when the service account is verified not to have the preset right.
According to the information processing platform, the processing request for the payment operation is initiated to the information processing platform through the service side account, and the value transfer through the service side account is realized, so that the qualification of a payee does not need to be verified, the collection efficiency is improved, and the social resources are further saved.
In one embodiment, an information processing apparatus is provided, as shown in fig. 9, a service receiving module 901, a service processing module 902, and a service transmitting module 903.
A service receiving module 901, configured to receive a transfer request sent by a payer terminal.
A service processing module 902, configured to generate a processing request based on the transfer request.
The service sending module 903 is configured to send the processing request to the information processing platform, where the processing request carries a payer account, a payee account, and a server account, and the information processing platform processes the processing request when it is verified that the server account has a preset right.
The service receiving module 901 further receives the processing result of successful transfer sent by the information processing platform, and sends the processing result of successful transfer to the payee terminal.
The information processing device receives a transfer request of a payer, sends a processing request to the information processing platform based on the transfer request, processes the processing request when the information processing platform verifies that the account number of the service party has the preset right, receives a processing result of successful transfer sent by the information processing platform, and sends the processing result to the payee terminal. The payment processing method has the advantages that the processing request of the payment operation is initiated to the information processing platform through the service side account, and the value transfer through the service side account is realized, so that the qualification of a payee does not need to be verified, the collection efficiency is improved, and the social resources are further saved.
In yet another embodiment, as shown in fig. 10, the information processing apparatus further includes a bill processing module 904 and a reconciliation module 905.
The service receiving module 901 is further configured to receive a service side bill sent by the information processing platform, where the service side bill includes each payee account and value transfer information for performing value transfer through the service side account.
And the bill processing module 904 is configured to generate each payee bill for performing value transfer through the account of the service party in unit time according to the locally recorded value transfer information.
And the checking module 905 is used for checking the bill of the payee and the bill of the server according to the account of the payee.
The service sending module 903 further sends each payee bill to the corresponding payee terminal if the result of the check by the check module indicates that the check is correct.
According to the information processing device, the processing request for the payment operation is sent to the information processing platform through the service side account, the information processing platform does not need to verify the payee side account, and the merchant can carry out commercial payment without providing a related qualification certification file, so that the commercial payment threshold of the merchant is reduced, and convenience is provided for the merchant to carry out commercial payment. Meanwhile, the service party provides a statement for the payee, thereby facilitating account checking, transaction management and operation analysis of merchants and commercial payment management of the payee.
It will be understood by those skilled in the art that all or part of the processes in the methods of the embodiments described above may be implemented by a computer program, which is stored in a non-volatile computer readable storage medium, and in the embodiments of the present invention, the program may be stored in the storage medium of a computer system and executed by at least one processor in the computer system to implement the processes of the embodiments including the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.
The technical features of the embodiments described above may be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the embodiments described above are not described, but should be considered as being within the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present invention, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (14)
1. An information processing method characterized by comprising:
receiving a processing request sent by a service side terminal based on a transfer request from a payer side terminal, wherein the processing request carries a payer side account, a payee side account and a service side account;
verifying whether the service side account number has a preset authority;
if yes, sending a value transfer request to the payer terminal;
receiving verification information sent by the payer terminal according to the value transfer request;
and when the verification information is consistent with the reserved verification information corresponding to the payer account, processing the processing request, sending a processing result of successful transfer to the server side terminal, and sending the processing result of successful transfer to the payee side terminal by the server side terminal.
2. The method of claim 1, further comprising:
detecting the current time, and generating a service side bill of the service side account in unit time when the current time meets a bill checking condition; the service side bill comprises each payee account and value transfer information for carrying out value transfer through the service side account;
and sending the service side bill to the service side terminal, and sending each payee side bill to a corresponding payee side terminal after the service side terminal checks that each local payee side bill is consistent with the service side bill.
3. The method of claim 1, wherein the processing request further carries a transfer value; when the verification information is consistent with the reserved verification information corresponding to the payer account, the step of processing the processing request comprises the following steps:
when the verification information is consistent with the reserved verification information corresponding to the payer account, deducting the transfer value from the payer account;
the method further comprises the steps of: and detecting the current time, and transferring the transfer value of each payer deducted in the unit time to the corresponding account of the payee when the current time meets the settlement condition.
4. The method of claim 1, further comprising:
when the verification information is inconsistent with the reserved verification information corresponding to the payer account, sending a transfer failure processing result to the payer terminal;
or
And if the service side account does not have the preset authority, sending a processing result of transfer failure to the payer terminal and/or the payee terminal.
5. An information processing method characterized by comprising:
receiving a transfer request sent by a payer terminal;
generating a processing request based on the transfer request, sending the processing request to an information processing platform, wherein the processing request carries a payer account, a payee account and a server account, and processing the processing request when the information processing platform verifies that the server account has a preset right;
and receiving the successfully transferred processing result sent by the information processing platform, and sending the successfully transferred processing result to a payee terminal.
6. The method of claim 5, further comprising:
receiving a service side bill sent by the information processing platform, wherein the service side bill comprises each payee account and numerical value transfer information for carrying out numerical value transfer through the service side account;
generating bills of all the payee parties for carrying out numerical value transfer through the account number of the service party in unit time according to the numerical value transfer information recorded locally;
checking the payee bill and the server bill according to the payee account;
and if the check is correct, sending each payee bill to the corresponding payee terminal.
7. An information processing platform, comprising: the device comprises a receiving module, a verification module, a sending module and a processing module;
the receiving module is used for receiving a processing request sent by a server terminal based on a transfer request from a payer terminal, wherein the processing request carries a payer account, a payee account and a server account;
the verification module is used for verifying whether the service side account number has a preset authority;
the sending module is used for sending a value transfer request to the payer terminal when the verification result of the verification module is positive;
the receiving module is also used for receiving verification information sent by the payer terminal according to the value transfer request;
the verification module is also used for verifying whether the verification information is consistent with the reserved verification information corresponding to the payer account;
the processing module is used for processing the processing request when the verification information is consistent with the reserved verification information corresponding to the payer account;
the sending module is further configured to send the processing result of successful transfer to the server side terminal, and the server side terminal sends the processing result of successful transfer to the payee side terminal.
8. The information processing platform of claim 7, further comprising: the system comprises a detection module and a bill generation module;
the detection module is used for detecting the current time;
the bill generation module is used for generating a service party bill of the service party account in unit time when the detection module detects that the current time meets a bill checking condition; the service side bill comprises each payee account and value transfer information for carrying out value transfer through the service side account;
the sending module sends the service side bill to the service side terminal, and the service side terminal sends each local payee side bill to the corresponding payee side terminal after checking that each local payee side bill is consistent with the service side bill.
9. The information handling platform of claim 7, wherein the processing request further carries a transfer value; the processing module is used for deducting the transfer value from the account number of the payer when the verification information is consistent with the reserved verification information corresponding to the account number of the payer;
the information processing platform also comprises a judging module, and the judging module is used for judging whether the settlement condition is met according to the current time;
and when the judgment result of the judgment module is yes, the processing module transfers the transfer value of each payer deducted in the unit time to the corresponding payee account.
10. The information processing platform of claim 7, wherein the sending module is further configured to send a processing result of the transfer failure to the payer terminal when the verification information is inconsistent with the reserved verification information corresponding to the payer account;
or the sending module is further used for sending the processing result of the transfer failure to the payer terminal and/or the payee terminal when the server account is verified not to have the preset right.
11. An information processing apparatus characterized by comprising: the system comprises a service receiving module, a service processing module and a service sending module;
the service receiving module is used for receiving a transfer request sent by a payer terminal;
the service processing module is used for generating a processing request based on the transfer request;
the service sending module is used for sending the processing request to an information processing platform, wherein the processing request carries a payer account, a payee account and a server account, and the information processing platform processes the processing request when verifying that the server account has a preset right;
the service receiving module also receives the successfully transferred processing result sent by the information processing platform and sends the successfully transferred processing result to the payee terminal.
12. The apparatus of claim 11, further comprising: a bill processing module and a checking module;
the service receiving module is further configured to receive a service side bill sent by the information processing platform, where the service side bill includes each payee account and value transfer information for performing value transfer through the service side account;
the bill processing module is used for generating bills of all the payee parties for carrying out numerical value transfer through the account number of the service party in unit time according to the numerical value transfer information recorded locally;
the checking module is used for checking the bill of the payee and the bill of the server according to the account of the payee;
and the service sending module is also used for sending each bill of the payee to the corresponding payee terminal when the check result of the check module is correct.
13. A computer-readable storage medium, storing a computer program which, when executed by a processor, causes the processor to carry out the steps of the method according to any one of claims 1 to 6.
14. A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of the method according to any one of claims 1 to 6.
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| CN109034402B (en) * | 2018-06-14 | 2022-04-15 | 深圳市轱辘车联数据技术有限公司 | Information processing method, device and system |
| CN113098757B (en) * | 2021-03-26 | 2023-10-24 | 维沃移动通信有限公司 | Red packet transmitting method, red packet receiving method, red packet transmitting device and red packet receiving device |
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