Refund data processing method applied to point-of-sale terminal and correlated systems

Abstract

The invention discloses a refund data processing method applied to a point-of-sale terminal and correlated systems. The method comprises: according to a refund request message sent by a first commercial tenant, a front-end system of a point-of-sale terminal determines a second commercial tenant corresponding to an original transaction correlated to the refund request message; the front-end system of the point-of-sale terminal sends a transaction message carrying the information of the second commercial tenant and the information of the original transaction to a bank account system to carry out account processing; and the front-end system of the point-of-sale terminal receives a response message returned by the bank account system and sends the response message to the first commercial tenant. Therefore, real-time cross-area refund processing can be realized, so that the labor cost and time cost are reduced and the client experience is improved.

Description

technical field [0001] The invention relates to the field of transaction data processing of sales terminals, and more specifically, relates to a refund data processing method and a related system applied to sales terminals. Background technique [0002] When using the sales terminal POS to consume, the bank deducts the consumption amount of the customer's bank card, charges a certain fee, and then deposits the remaining amount into the merchant's settlement account. When customers use POS to return goods, they must initiate on the POS machine of the original merchant. After matching the original consumption transaction, the bank will pay the amount from the merchant’s settlement account and pay the service fee from the bank, and the two will be returned to the customer’s bank account together. [0003] Since the existing POS refund technology only supports initiating real-time refunds on the POS machine of the original merchant, this results in that the customer must either ...

AI Technical Summary

Problems solved by technology

[0003] Since the existing POS refund technology only supports initiating real-time refunds on the POS machine of the original merchant, this results in that the customer must either send the product back to the original merchant (for example, the point of sale of the original merchant) when refunding the refund. Initiate a return transaction to complete a real-time refund; or you need to send the product to another chain store, and the other merchant will complete the refund after multiple approvals and manual adjustments

[0004] That is to say, the existing POS refund technology has the defect that it cannot realize real-time refund processing through merchants that did not initiate the original transaction, which seriously affects the customer's consumption experience

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