CN112819473B - Order processing method, server, equipment and medium based on digital dictionary - Google Patents
Order processing method, server, equipment and medium based on digital dictionary Download PDFInfo
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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
- G06Q20/40—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
- G06Q20/405—Establishing or using transaction specific rules
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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Abstract
The embodiment of the invention discloses an order processing method, a server, equipment and a medium based on a digital dictionary. The method comprises the following steps: acquiring payment scenes and fund codes in order information; determining a payment channel according to the payment scene and a pre-configured digital dictionary; determining a clearing bank corresponding to the fund code according to the fund code and the digital dictionary; and carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation of the order through the clearing bank, so that the internal identity of the serial payment link is defined through the digital dictionary, and the service scene can be distinguished according to the internal identity, thereby improving the order processing efficiency.
Description
Technical Field
The embodiment of the invention relates to the technical field of information, in particular to an order processing method, a server, equipment and a medium based on a digital dictionary.
Background
In the payment field, the fourth party payment is aggregated payment, which is a platform for integrating the payment services of more than one bank and a third party payment mechanism and providing service contents such as 'payment channel service', 'integrated reconciliation service', and the like for merchants.
However, the current aggregate payment depends on external provider numbers, and for the lack of identity in the aggregate payment platform, it is difficult to distinguish the business scenario of the order, and the order processing efficiency is affected.
Disclosure of Invention
The embodiment of the invention provides an order processing method, a server, equipment and a medium based on a digital dictionary, which improve order processing efficiency by distinguishing business scenes of orders.
In a first aspect, an embodiment of the present invention provides a method for processing an order based on a digital dictionary, including:
acquiring payment scenes and fund codes in order information;
determining a payment channel according to the payment scene and a pre-configured digital dictionary, wherein the digital dictionary is a set of internal identity identifiers of a serial payment link;
determining a clearing bank corresponding to the fund code according to the fund code and the digital dictionary;
and carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation of the order through the clearing bank.
In a second aspect, an embodiment of the present invention further provides an order processing apparatus based on a digital dictionary, where the apparatus includes:
the code acquisition module is used for acquiring payment scenes and fund codes in the order information;
the channel determining module is used for determining a payment channel according to the payment scene and a pre-configured digital dictionary, wherein the digital dictionary is a set of internal identity identifiers of the serial payment links;
the bank determining module is used for determining the clearing bank corresponding to the fund code according to the fund code and the digital dictionary;
and the order clearing module is used for carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation of the order through the clearing bank.
In a third aspect, an embodiment of the present invention further provides a server, where the server includes:
one or more processors;
a memory for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the digital dictionary-based order processing method according to any embodiment of the present invention.
In a fourth aspect, embodiments of the present invention also provide a storage medium containing computer executable instructions, which when executed by a computer processor, are configured to perform a digital dictionary based order processing method according to any of the embodiments of the present invention.
The embodiment of the invention provides an order processing method, a device, a server and a medium based on a digital dictionary, wherein a payment channel is determined through a payment scene and the digital dictionary, a clearing bank is determined according to a fund code and the digital dictionary, a payment operation is carried out to the clearing bank through the payment channel according to a mode specified by the payment scene, clearing operation of an order is carried out through the clearing bank, internal identification marks of a serial payment link are defined through the digital dictionary, and service scenes can be distinguished according to the internal identification marks, so that order processing efficiency is improved.
Drawings
FIG. 1 is a flow chart of an order processing method based on a digital dictionary according to an embodiment of the present invention;
FIG. 2 is a flowchart of another order processing method based on a digital dictionary according to an embodiment of the present invention;
fig. 3 is an evolution diagram of a payment method defined in advance according to an embodiment of the present invention;
fig. 4 is an evolution diagram of an association relationship between a payment scene and a route code defined in a payment transaction according to an embodiment of the present invention;
FIG. 5 is a diagram showing a relationship between clearing codes and fund codes defined after payment in accordance with an embodiment of the present invention;
FIG. 6 is a block diagram of an order processing device based on a digital dictionary according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a server according to an embodiment of the present invention.
Detailed Description
The invention is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting thereof. It should be further noted that, for convenience of description, only some, but not all of the structures related to the present invention are shown in the drawings.
For ease of understanding, the meaning of the digital dictionary will be described first.
For aggregate paymate, the process of assigning identities to each payment channel is defined as a personalized digital dictionary of the payment domain. The digital dictionary serves as a unique key word throughout the entire payment link, serving as an identification.
Optionally, the digital dictionary includes: association relation between payment type of payment channel and payment mode in aggregate payment platform; the association relation between the payment scene and the route codes in the aggregate payment platform, wherein the route codes are codes of payment routes related to a payment mode; and the association relation between the fund code, the clear code and the payment mode in the aggregate payment platform.
Note that the payment channel is a channel for transferring funds, and is also referred to as a funds channel or a payment channel. For example, the payment channel may be a bank or credit card, and may also be a third party paymate such as a WeChat, a Payment device, or the like. The third party payment platform refers to a payment company with a payment license plate, and can be directly connected with an organization with payment capability of banks through a settlement account to realize the transfer of funds.
The payment type of the payment channel is the manner in which the payment channel performs a particular payment operation. For example, the payment type may be a quick payment or a withhold payment, or the like. The quick payment is a safe and convenient payment mode, the bank card information and the identity information of the user are checked, and the quick payment can be opened after the check is successful. After the successful opening, the payment can be easily completed by inputting the payment password. And payment withholding refers to the action of automatically withholding money according to a pre-established borrowing protocol.
In the embodiment of the invention, the payment mode refers to an identity defined for the payment type of each payment channel in the aggregate payment platform, and the payment mode is defined in advance of payment. For example, the payment mode in the aggregate payment platform is the identity of the payment type such as the quick payment or the withhold payment of the payment channel.
In the embodiment of the invention, an identity is given to the payment scene in the digital dictionary, namely the payment scene is digitally dictionary. The payment scenario includes various scenarios, and embodiments of the present invention are not limited in detail. For example, payment scenarios may include monthly payouts, early payouts, overdue reorganization, and payouts for others, among others. Wherein monthly payouts are the activities of monthly payouts on time. Advanced payouts are a type of payouts that take all bills of all options before they have not expired. The overdue reorganization is to pack the old overdue bill and to pack the rest money into a new bill according to a certain preferential. Repayment for others is an act of repayment for others.
In the embodiment of the invention, the route code is an aggregation of template codes of payment routes displayed in a payment mode in the self-defined payment field. The payment route is logic composed of channels, transaction numbers, merchant pools and merchant configuration of these main modules and a series of routing/number selection policies determined by specific services. Illustratively, the screening steps, screening rules, and screening result determining steps of the payment route are as follows:
screening: the payment route is to finish selecting the transaction number in the merchant pool; the transaction number refers to a channel-side merchant number for transaction. Channel information is obtained simultaneously by selecting the transaction number.
Screening rules: to assign a plurality of merchant pools to a merchant-payment manner-payment type configuration, a residence number for a transaction is found through the corresponding merchant pool at the time of the transaction.
Screening results: by setting the corresponding attributes for the channel, the transaction number, the merchant pool and the merchant configuration, which number can be used and which number can not be used when selecting numbers in the merchant pool is determined.
For example, a transaction is detected, and a transaction number is randomly selected from a merchant pool; by comparing existing attributes of merchant pool, transaction number and channel with the current transaction time, transaction amount. Where daily trade allowance-daily trade accumulated amount = trade amount. If the transaction amount is within the single limit range and the transaction time is within the service amount range, the transaction number can be used; the routing returns the information of the transaction key, the payment channel and the like corresponding to the number so as to complete the transaction.
Illustratively, assuming that there are a routing code (1001), a routing code (1002), and a routing code (1003), respectively, it represents a payment manner supporting WeChat, transfer for the routing code (1001). Likewise, for the routing code (1002), it represents a bank card and a credit card. For the routing code (1003), it represents a credit card and a payment instrument. After the association relation between the payment scene and the routing code is established in the digital dictionary, the payment mode supporting WeChat and transfer can be determined when the payment scene is the monthly payment 101 and the routing code is 1001. Optionally, at least two payment scenarios may multiplex the same routing code within the aggregated paymate to improve routing efficiency, avoiding configuring more payment routes. For example, a routing code may have an association with payment scenarios such as monthly payouts and advanced payouts.
Fig. 1 is a flowchart of an order processing method based on a digital dictionary according to an embodiment of the present invention, where the method may be implemented by an order processing device based on a digital dictionary, and the device may be implemented by software and/or hardware and is typically configured in a server. As shown in fig. 1, the method includes:
and 110, acquiring payment scenes and fund codes in order information.
Wherein the order information is information related to an order generated by the aggregate paymate in response to user operations. In the payment field, the aggregate payment platform may be called a fourth party payment platform, which is a platform for integrating the payment services of more than one bank and a third party payment mechanism together to provide service contents such as "payment channel service", "integrated reconciliation service" for merchants.
The order information in the embodiment of the invention is information of an order processed by the aggregate payment platform, and can be sent to the platform server by the client to indicate specific content operated by a user to the platform server. For example, if the client detects that the fund party selects the billing service mode and the selected payment scenario is monthly payment, the client generates an order based on the above information and sends order information to the server.
In particular, the order information may include payment scenarios and funding codes. The payment scene comprises an instant payment scene and a personalized customized payment repayment scene. When the payment scene refers to a payment repayment scene, the payment scene can be monthly repayment, advanced repayment, repayment for others or bill stage, etc. The funding code may refer to a data dictionary naming of an asset source principal, wherein the asset source principal may be one of a funding, securities, insurance, enterprise principal, etc. that provides a loan.
Illustratively, order information sent by the client is acquired, and the order information is parsed to obtain a payment scenario and a fund code based on a communication protocol between the aggregate paymate and the client.
And 120, determining a payment channel according to the payment scene and a pre-configured digital dictionary.
Wherein the digital dictionary is a collection of internal identities of the tandem payment link. Based on the foregoing description, the digital dictionary includes an association relationship between the payment type of the payment channel and the payment method in the aggregate payment platform, and further includes an association relationship between the payment scenario and the routing code in the aggregate payment platform. Therefore, according to the payment scene, inquiring a pre-configured digital dictionary to obtain a route code corresponding to the payment scene; inquiring a digital dictionary according to the route codes to obtain alternative payment modes corresponding to the route codes; matching the alternative payment mode with the payment mode configured by the user, and taking the successfully matched alternative payment mode as the payment mode; and inquiring the digital dictionary according to the payment mode to obtain a payment channel and a payment type corresponding to the payment mode.
Optionally, before querying the digital dictionary according to the payment mode, the method further comprises: determining a reference payment mode corresponding to the fund code according to the fund code and the digital dictionary; and taking the alternative payment mode which is consistent with the reference payment mode and the payment mode configured by the user as the payment mode. Because the association relation between the clearing code and the payment mode and the association relation between the clearing code and the fund code are also defined in the digital dictionary, the association relation among the payment mode, the fund code and the clearing code can be established by taking the clearing code as a connection point in the digital dictionary. The clearing code is a digital dictionary name defined by a clearing bank and a supervising bank playing an important role in the payment field. The fund code is a data dictionary naming of a source principal provided by an asset that provides funds for loan, securities, insurance, business principals, etc., in the payment field. As can be seen from the above, different clearing codes may correspond to different payment methods, and the determination of the clearing codes is related to the fund codes, so that the clearing codes can be obtained by querying the digital dictionary through the fund codes, and then the corresponding reference payment methods can be obtained by querying the digital dictionary according to the clearing codes. If the corresponding relation of the fund code, the payment mode and the clearing code is directly stored in the digital dictionary in a correlated mode, the reference payment mode can also be obtained by directly inquiring the digital dictionary according to the fund code. And selecting a mode which is consistent with the reference payment mode and the payment mode configured by the user from the alternative payment modes determined in the step as the payment mode corresponding to the current payment scene. The design can ensure that the payment mode for order clearing is a mode supported by a clearing bank and the payment mode is a selected payment mode, thereby completing order clearing operation.
If the alternative payment modes determined in the step are not consistent with the reference payment mode and the payment mode configured by the user, prompting the user to update the pre-configured payment mode according to the alternative payment mode supported by the clearing bank so as to avoid the condition that the payment mode configured by the user is different from the payment mode supported by the clearing bank and the order clearing is influenced.
For example, assuming that the user-configured payment scenario is monthly payouts and the selected payment method is WeChat payment, the user-configured payment method corresponds to the payment method in the digital dictionary (003). And inquiring the digital dictionary according to the monthly repayment (101) to obtain a corresponding route code (1001), and further obtaining the alternative payment mode supported by the route code (1001) to be WeChat and transfer. And matching the alternative payment mode with the payment mode configured by the user, determining that the payment mode is the payment mode (003) according to the matching result, and inquiring the digital dictionary according to the payment mode (003) to obtain that the payment channel is WeChat and the payment type is paid by the account of merchant number 1 of the WeChat.
Optionally, if the reference payment mode corresponding to the fund code is WeChat, shortcut payment and payment treasures according to the fund code and the digital dictionary, a payment mode (003) which is consistent with the reference payment mode and the payment mode configured by the user in the alternative payment modes is taken as a final payment mode. And inquiring the digital dictionary according to the payment mode to obtain a payment channel.
And 130, determining the clearing bank corresponding to the fund code according to the fund code and the digital dictionary.
It should be noted that, based on the signing agreement of the clearing bank and the third party payment channel, the identity is configured for the clearing bank and the third party payment channel at the aggregate payment platform, and the association relationship between the clearing bank and the identity of the third party payment is established, that is, the association relationship between the clearing code and the payment mode is established. In general, the clearing code and the payment method are in one-to-many relation.
Based on the signing agreement of the clearing bank and the fund party, the identity identification is configured for the fund party at the aggregate payment platform, and the association relation between the clearing bank and the identity identification of the fund party is established, namely, the association relation between the clearing code and the fund code is established. Typically, the resolution code is also one-to-many with respect to the fund code.
Illustratively, inquiring a pre-configured digital dictionary according to the fund codes to obtain clear codes corresponding to the fund codes; and determining the clear bank corresponding to the fund code according to the corresponding relation between the clear code and the clear bank.
And 140, carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation of the order through the clearing bank.
In the field of payment, clearing and settlement may be collectively referred to as clearing and settlement. Wherein, clearing is the account of the rolling stock. For example, line A pays 2 hundred million to line B, line B pays 1 hundred million to line A, and line A pays 1 hundred million to line B against the two. The clearing enterprises of the Unionpay and the VISA, mastercard do clearing work. Accordingly, the settlement is such that line a pays money to line B as a number, based on the result of the account check. The settlement mode can be cash or electronic currency.
Illustratively, acquiring configuration information and key information corresponding to a payment channel; and according to the configuration information and the key information, paying and paying to the clearing bank according to a mode specified by a payment scene. Wherein the configuration information of the payment channel indicates relevant configuration information for payment to the payee. The key information of the payment channel represents parameters input in an algorithm that converts payment-related data of the payment channel from plaintext to ciphertext or from ciphertext to plaintext. The payment to the clearing bank can be realized through the configuration information and the key information of the payment channel, and the payment or the payment is carried out according to the mode specified by the payment scene preset by the user when the payment is carried out to the clearing bank. When the clearing bank receives the payment or the clearing money of the payment channel to the set order, the clearing bank carries out clearing operation of the corresponding order.
According to the technical scheme, the payment channel is determined through the payment scene and the digital dictionary, the clearing bank is determined according to the fund codes and the digital dictionary, the payment operation is carried out on the clearing bank through the payment channel according to the mode specified by the payment scene, the clearing operation of the order is carried out through the clearing bank, the internal identity of the serial payment link is defined through the digital dictionary, the service scene can be distinguished according to the internal identity, and therefore order processing efficiency is improved.
Fig. 2 is a flowchart of another order processing method based on a digital dictionary according to an embodiment of the present invention, which is further elaborated on the foregoing embodiment. As shown in fig. 2, the method includes:
step 210, when an order accounting operation is detected, order information corresponding to the order accounting operation is acquired, and the order information is analyzed to obtain a payment scene and a fund code.
And 220, inquiring a pre-configured digital dictionary according to the payment scene to obtain a route code corresponding to the payment scene.
And step 230, inquiring the digital dictionary according to the routing code to obtain an alternative payment mode corresponding to the routing code.
Step 240, matching the alternative payment mode with the payment mode configured by the user, and taking the successfully matched alternative payment mode as the payment mode.
And 250, inquiring the digital dictionary according to the payment mode to obtain a payment channel corresponding to the payment mode.
And 260, inquiring a pre-configured digital dictionary according to the fund codes to obtain clear codes corresponding to the fund codes.
And 270, determining the clear bank corresponding to the fund code according to the corresponding relation between the clear code and the clear bank.
Step 280, obtaining configuration information and key information corresponding to the payment channel.
And 290, according to the configuration information and the key information, carrying out payment and settlement to the clearing bank according to the mode specified by the payment scene so as to carry out clearing operation of the order through the clearing bank.
It should be noted that if the service scenario is a payment scenario, the digital dictionary may be queried according to the payment manner to obtain a corresponding payment channel, configuration information and key information corresponding to the payment channel are obtained, and payment is completed according to the configuration information and the key information.
Specifically, for aggregate paymate, the goals of defining a digital dictionary include:
1. payment pre-case definition: payment means. The payment mode is the identity of payment types such as quick payment, deduction and the like of the docking payment channel.
2. In the payment, the following definitions are: payment scenario and routing encoding.
3. Payment posthoc definition: the clearing code and the fund code are the identity identification paid after payment.
Fig. 3 is an evolution diagram of a payment manner defined in advance according to an embodiment of the present invention, where, as shown in fig. 3, a payment channel for payment access includes a precious payment and a WeChat payment, and payment types of the precious payment are quick payment and deduction instead of quick payment; the payment types of WeChat payments are merchant number 1 and merchant number 2. And respectively giving payment identity identifiers for the payment types of the payment channels, namely, defining the quick payment of the treasured payment as a payment mode (001), defining the substitute deduction as a payment mode (002), defining the merchant number 1 as a payment mode (003) and defining the merchant number 2 as a payment mode (004), thereby completing the identification of the payment identity of the internal authentication. The payment identity can be understood as an identity for providing a payment mode for business personnel in the aggregate payment platform. The business person can initiate payment, refund and other actions by using the payment mode. For the aggregate payment platform, the corresponding payment channels can be matched according to the payment mode, and the payment can be completed by acquiring the related configuration information and key information.
Fig. 4 is an evolution diagram of an association relationship between a payment scenario and a route code defined in a payment transaction according to an embodiment of the present invention. As shown in fig. 4, assuming that the payment scenario includes monthly payouts, early payouts, overdue reorganization, and payouts for others, identity is assigned to the payment scenario, respectively, to obtain monthly payouts (101), early payouts (102), overdue reorganization (103), and payouts for others (104). Assuming that a routing code (1001), a routing code (1002) and a routing code (1003) exist, the routing code (1001) represents a payment mode supporting WeChat and transfer; similarly, the routing code (1002) represents the payment mode of the bank card and the credit card, and the routing code (1003) represents the credit card and the payment device. When the business scenario is paid by way of monthly payouts (101) and routing codes (1001), it may be determined that the payment methods supported by such business scenario include WeChat and transfer payments. In fig. 4, the advance payment (102) and the payment (104) are both corresponding to the routing code (1002), that is, the advance payment (102) and the payment (104) are multiplexed with the routing code (1002). Here, the value of the routing code is that it is reusable, i.e. it can support both matching of payment in advance with payment scenarios such as repayment for others.
Fig. 5 is a diagram showing a relationship between clearing codes and fund codes defined after payment according to an embodiment of the present invention. As shown in FIG. 5, at the beginning of the transaction, the aggregate paymate and institution signs the agreement relationship of clearing bank A and the third party payment institution. After the agreement is established, the association relation between the clearing code and the payment mode is established by the self-defined digital dictionary in the aggregate payment platform, and in general, the clearing bank and the payment mode are in one-to-many relation. Assuming that the clearing relationship between the aggregate paymate and the fund party agreement can be completed by the clearing bank A, the relationship between the clearing code and the fund code is established, and the clearing bank and the fund code are also one-to-many relationship. It can be seen that in the digital dictionary of the aggregate paymate, the clearing code is the point of attachment of the paymate to the fund code. After the transaction, the serial connection of the accounting, the fund encoding and the clearing encoding is completed through the relation of the clearing encoding, the payment encoding and the fund encoding in the digital dictionary and through the financing relation of the order and the fund party when the order is placed. When the user pays the loan and pays, the payment is finished through the payment mode, and at the moment, the payment mode is connected with the clearing code in series, then, the relation among the clearing code, the fund code and the payment mode is established through the accounting, and the payment and compensation flow is finished.
According to the technical scheme, the digital dictionary in the payment field is comprehensively applied to the transaction system, so that the full-amount application of the payment mode, the payment scene and the route coding in the payment route stage in the transaction payment stage are realized, the clearing coding and the fund coding are applied to complete clearing in the clearing stage, the serial connection of the whole payment link is completed by applying the digital dictionary, the amount of the on-line clearing is in the order of more than 4 hundred million at present, and the application range is wider.
Fig. 6 is a block diagram of an order processing device based on a digital dictionary according to an embodiment of the present invention. The apparatus may be implemented in software and/or hardware and is typically integrated in a server. The device of the embodiment can execute the order processing method based on the digital dictionary of any embodiment of the invention, realizes the definition of the internal identity of the serial payment link through the digital dictionary, and can distinguish service scenes according to the internal identity, thereby improving the order processing efficiency. As shown in fig. 6, the apparatus includes:
the code obtaining module 610 is configured to obtain a payment scenario and a fund code in the order information;
a channel determination module 620, configured to determine a payment channel according to the payment scenario and a pre-configured digital dictionary, where the digital dictionary is a set of internal identities of a serial payment link;
the bank determining module 630 is configured to determine a clearing bank corresponding to the fund code according to the fund code and the digital dictionary;
the order clearing module 640 is configured to perform a payment operation to the clearing bank through the payment channel according to the payment scenario, so as to perform a clearing operation of the order through the clearing bank.
The embodiment of the invention provides an order processing device based on a digital dictionary, which is characterized in that a payment channel is determined through a payment scene and the digital dictionary, a clearing bank is determined according to a fund code and the digital dictionary, a payment operation is carried out to the clearing bank through the payment channel according to a mode specified by the payment scene, clearing operation of an order is carried out through the clearing bank, internal identity identification of a serial payment link is defined through the digital dictionary, and service scenes can be distinguished according to the internal identity identification, so that order processing efficiency is improved.
Optionally, the digital dictionary includes:
association relation between payment type of payment channel and payment mode in aggregate payment platform;
the association relation between the payment scene and the route codes in the aggregate payment platform, wherein the route codes are codes of payment routes related to a payment mode;
and the association relation between the fund code, the clear code and the payment mode in the aggregate payment platform.
Optionally, the at least two payment scenarios multiplex one routing code within the aggregated paymate.
Optionally, the channel determination module 620 is specifically configured to:
inquiring a pre-configured digital dictionary according to the payment scene to obtain a route code corresponding to the payment scene;
inquiring the digital dictionary according to the route code to obtain an alternative payment mode corresponding to the route code;
matching the alternative payment mode with a payment mode configured by a user, and taking the successfully matched alternative payment mode as a payment mode;
and inquiring the digital dictionary according to the payment mode to obtain a payment channel corresponding to the payment mode.
Optionally, the apparatus further comprises:
the payment mode determining module is used for determining a reference payment mode corresponding to the fund code according to the fund code and the digital dictionary before inquiring the digital dictionary according to the payment mode; and taking the alternative payment mode which is consistent with the reference payment mode and the payment mode configured by the user as the payment mode.
Optionally, the bank determination module 630 is specifically configured to:
inquiring a pre-configured digital dictionary according to the fund codes to obtain clear codes corresponding to the fund codes;
and determining the clear bank corresponding to the fund code according to the corresponding relation between the clear code and the clear bank.
Optionally, the order clearing module 640 is specifically configured to:
acquiring configuration information and key information corresponding to the payment channel;
and according to the configuration information and the key information, carrying out payment and settlement to the settlement bank according to the mode specified by the payment scene.
The order processing device based on the digital dictionary provided by the embodiment of the invention can execute the order processing method based on the digital dictionary provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Fig. 7 is a schematic structural diagram of a server according to an embodiment of the present invention, and as shown in fig. 7, the server includes a processor 70, a memory 71, an input device 72 and an output device 73; the number of processors 70 in the server may be one or more, one processor 70 being taken as an example in fig. 7; the processor 70, memory 71, input devices 72 and output devices 73 in the server may be connected by a bus or other means, for example in fig. 7.
The memory 71 is used as a computer readable storage medium for storing software programs, digital dictionaries, computer executable programs, and modules, such as program instructions/modules (e.g., code acquisition module 610, channel determination module 620, bank determination module 630, and order compensation module 640) corresponding to the digital dictionary-based order processing method in the embodiment of the present invention. The processor 70 executes various functional applications of the server and data processing by running software programs, instructions and modules stored in the memory 71, i.e., implements the order processing method based on the digital dictionary described above.
The memory 71 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, at least one application program required for functions; the storage data area may store data created according to the use of the terminal, etc. In addition, memory 71 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid-state storage device. In some examples, memory 71 may further include memory remotely located with respect to processor 70, which may be connected to a server via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 72 may be used to receive entered numeric or character information and to generate key signal inputs related to user settings and function control of the server. The output means 73 may comprise a display device such as a display screen.
Embodiments of the present invention also provide a storage medium containing computer executable instructions, which when executed by a computer processor, are for performing a digital dictionary-based order processing method, the method comprising:
acquiring payment scenes and fund codes in order information;
determining a payment channel according to the payment scene and a pre-configured digital dictionary, wherein the digital dictionary is a set of internal identity identifiers of a serial payment link;
determining a clearing bank corresponding to the fund code according to the fund code and the digital dictionary;
and carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation of the order through the clearing bank.
Of course, the storage medium containing the computer executable instructions provided in the embodiments of the present invention is not limited to the method operations described above, and may also perform the related operations in the order processing method based on the digital dictionary provided in any embodiment of the present invention.
From the above description of embodiments, it will be clear to a person skilled in the art that the present invention may be implemented by means of software and necessary general purpose hardware, but of course also by means of hardware, although in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a computer readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, etc., and include several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments of the present invention.
It should be noted that, in the embodiment of the order processing device based on the digital dictionary, each included unit and module are only divided according to the functional logic, but not limited to the above-mentioned division, so long as the corresponding functions can be implemented; in addition, the specific names of the functional units are also only for distinguishing from each other, and are not used to limit the protection scope of the present invention.
Note that the above is only a preferred embodiment of the present invention and the technical principle applied. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, while the invention has been described in connection with the above embodiments, the invention is not limited to the embodiments, but may be embodied in many other equivalent forms without departing from the spirit or scope of the invention, which is set forth in the following claims.
Claims (8)
1. An order processing method based on a digital dictionary, comprising the steps of:
acquiring payment scenes and fund codes in order information; the fund codes refer to the naming of a data dictionary of a fund source main body; the fund source main body is one of funds, securities, insurance and enterprise main body for providing loan;
inquiring a pre-configured digital dictionary according to the payment scene to obtain a route code corresponding to the payment scene;
inquiring the digital dictionary according to the route code to obtain an alternative payment mode corresponding to the route code;
matching the alternative payment mode with a payment mode configured by a user, and taking the successfully matched alternative payment mode as a payment mode;
inquiring the digital dictionary according to the payment mode to obtain a payment channel corresponding to the payment mode, wherein the digital dictionary is a set of internal identification marks of serial payment links;
determining a clearing bank corresponding to the fund code according to the fund code and the digital dictionary;
according to the payment scene, carrying out payment operation on the clearing bank through the payment channel so as to carry out clearing operation of the order through the clearing bank;
wherein, the digital dictionary includes:
association relation between payment type of payment channel and payment mode in aggregate payment platform;
the association relation between the payment scene and the route codes in the aggregate payment platform, wherein the route codes are codes of payment routes related to a payment mode;
and the association relation between the fund code, the clear code and the payment mode in the aggregate payment platform.
2. The method of claim 1, wherein at least two payment scenarios multiplex one routing code within the aggregated paymate.
3. The method of claim 1, further comprising, prior to querying the digital dictionary according to the payment method:
determining a reference payment mode corresponding to the fund code according to the fund code and the digital dictionary;
and taking the alternative payment mode which is consistent with the reference payment mode and the payment mode configured by the user as the payment mode.
4. The method of claim 1, wherein the determining the clearing bank corresponding to the fund code based on the fund code and the digital dictionary comprises:
inquiring a pre-configured digital dictionary according to the fund codes to obtain clear codes corresponding to the fund codes;
and determining the clear bank corresponding to the fund code according to the corresponding relation between the clear code and the clear bank.
5. The method of claim 1, wherein the performing a payment operation to the clearing bank through the payment channel according to the payment scenario comprises:
acquiring configuration information and key information corresponding to the payment channel;
and according to the configuration information and the key information, carrying out payment and settlement to the settlement bank according to the mode specified by the payment scene.
6. An order processing device based on a digital dictionary, comprising:
the code acquisition module is used for acquiring payment scenes and fund codes in the order information;
the channel determining module is used for inquiring a pre-configured digital dictionary according to the payment scene to obtain a route code corresponding to the payment scene; inquiring the digital dictionary according to the route code to obtain an alternative payment mode corresponding to the route code; matching the alternative payment mode with a payment mode configured by a user, and taking the successfully matched alternative payment mode as a payment mode; inquiring the digital dictionary according to the payment mode to obtain a payment channel corresponding to the payment mode, wherein the digital dictionary is a set of internal identification marks of serial payment links;
the bank determining module is used for determining the clearing bank corresponding to the fund code according to the fund code and the digital dictionary;
the order clearing module is used for carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation of the order through the clearing bank;
wherein, the digital dictionary includes:
association relation between payment type of payment channel and payment mode in aggregate payment platform;
the association relation between the payment scene and the route codes in the aggregate payment platform, wherein the route codes are codes of payment routes related to a payment mode;
and the association relation between the fund code, the clear code and the payment mode in the aggregate payment platform.
7. A server, the server comprising:
one or more processors;
a memory for storing one or more programs;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the digital dictionary-based order processing method of any one of claims 1-5.
8. A storage medium containing computer executable instructions which, when executed by a computer processor, are for performing the digital dictionary-based order processing method of any one of claims 1-5.
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| JP7514268B2 (en) * | 2022-05-23 | 2024-07-10 | 楽天グループ株式会社 | Auto-charge system, auto-charge method, and program |
| CN116664120B (en) * | 2023-06-15 | 2024-05-24 | 山东烟台烟草有限公司 | Method and system for realizing unique identification of consumer identity across payment channels |
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