Feedback Method, Device, Computer Equipment and Storage Medium for Adjustment Order Request

Abstract

The present application relates to a method, apparatus, computer device, storage medium, and computer program product for feedback of a request for transaction details. The method includes: receiving a request for transaction details sent by a target issuing bank; wherein the request for transaction details is determined by the target issuing bank according to the service requirements of a target user; using the target service information corresponding to the request for transaction details to determine a target feedback method corresponding to the request for transaction details; wherein the feedback methods include card organization feedback, blockchain feedback of transaction details, and manual feedback of transaction details, and the target feedback method is one of the feedback methods; determining feedback information corresponding to the request for transaction details according to the target feedback method, so that the target issuing bank can obtain the feedback information. According to different target service information, the present method uses the corresponding target feedback method to give feedback on the request for transaction details. Therefore, on the basis of being able to give feedback on the request for transaction details, the present method can ensure the security of retrieving the purchase receipt using the blockchain.

Description

Technical Field

[0001] This application relates to the technical field of bank statement inquiry in Internet finance, and particularly to a method, device, computer device, storage medium, and computer program product for feedback of statement inquiry requests. Background Art

[0002] In recent years, with the popularization of consumption methods using bank cards, credit cards, etc., the problem of consumers' fund security has become increasingly diverse. To facilitate the management of purchase vouchers, when a acquiring bank conducts a transaction with a user, it stores the purchase voucher corresponding to the transaction in a blockchain; when a user discovers that there is an error in the fund information of their bank card or credit card, such as being fraudulently swiped, they can send a service requirement to the issuing bank. The issuing bank determines a statement inquiry request based on the user's service requirement and sends it to the acquiring bank. The acquiring bank determines the feedback information corresponding to the statement inquiry request, that is, directly obtains the purchase voucher corresponding to the statement inquiry request from the blockchain and sends the purchase voucher to the card association so that the issuing bank can query and obtain the purchase voucher corresponding to the statement inquiry request from the card association. That is to say, when the acquiring bank receives a statement inquiry request, it directly determines the corresponding feedback information from the pre-stored blockchain. However, due to the uncertainty of the statement inquiry request, even if there is a purchase voucher corresponding to the statement inquiry request in the blockchain, the transaction corresponding to the statement inquiry request may still have security issues.

[0003] Therefore, after receiving a statement inquiry request, how the acquiring bank can both provide feedback on the statement inquiry request and improve the security of retrieving purchase vouchers using the blockchain is a technical problem that those skilled in the art need to solve currently. Summary of the Invention

[0004] Based on this, in view of the above technical problems, it is necessary to provide a method, device, computer device, computer-readable storage medium, and computer program product for feedback of statement inquiry requests that can both provide feedback on the statement inquiry request and improve the security of retrieving purchase vouchers using the blockchain.

[0005] In a first aspect, this application provides a method for feedback of statement inquiry requests. The method includes:

[0006] Receiving a statement inquiry request sent by a target issuing bank; wherein, the statement inquiry request is determined by the target issuing bank according to the service requirement of a target user;

[0007] Using the target service information corresponding to the statement inquiry request, determining a target feedback method corresponding to the statement inquiry request; wherein, the feedback methods include card association feedback, blockchain statement inquiry feedback, and manual statement inquiry feedback, and the target feedback method is one of the feedback methods;

[0008] Determine the feedback information corresponding to the adjustment request according to the target feedback method, so that the target issuing bank can obtain the feedback information.

[0009] In one embodiment, determining the target feedback method corresponding to the adjustment request by using the target service information corresponding to the adjustment request includes:

[0010] Determine the target service information corresponding to the adjustment request; wherein, the target service information includes target merchant information, target transaction information, target issuing bank information, and acquiring bank branch information;

[0011] Determine the target feedback method corresponding to the adjustment request according to the preset service rules and the target service information.

[0012] In one embodiment, the determining the target feedback method corresponding to the adjustment request according to the preset service rules and the target service information includes:

[0013] Determine the merchant type of the target merchant corresponding to the adjustment request according to the target merchant information;

[0014] If the target merchant is a blacklist merchant, determine that the target feedback method is the card organization feedback;

[0015] If the target merchant is not a blacklist merchant and not a whitelist merchant, determine that the target feedback method is the manual adjustment feedback;

[0016] If the target merchant is a whitelist merchant and the target transaction amount is greater than the first amount threshold, determine that the target feedback method is the card organization feedback;

[0017] If the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold and greater than the second amount threshold, determine that the target feedback method is the manual adjustment feedback;

[0018] If the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold, combine the issuing bank information of the target issuing bank to determine the target feedback method.

[0019] In one embodiment, if the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold, combining the issuing bank information of the target issuing bank to determine the target feedback method includes:

[0020] If the target merchant is a whitelist merchant and the target transaction amount is less than the second amount threshold, determine the bank type of the target issuing bank;

[0021] If the target card-issuing bank is a blacklist bank, determine that the target feedback method is card organization feedback;

[0022] If the target card-issuing bank is a whitelist bank and the cumulative number of chargeback requests sent by the target card-issuing bank is greater than the first quantity threshold, determine that the target feedback method is card organization feedback;

[0023] If the target card-issuing bank is a whitelist bank, and the cumulative number of chargeback requests sent by the target card-issuing bank is less than the first quantity threshold and greater than the second quantity threshold, determine that the target feedback method is manual chargeback feedback;

[0024] If the target card-issuing bank is a whitelist bank, the cumulative number of chargeback requests sent by the target card-issuing bank is less than the second quantity threshold, and the cumulative number of chargeback requests received by the target acquiring bank branch corresponding to the chargeback request is greater than the third quantity threshold, determine that the target feedback method is card organization feedback;

[0025] If the target card-issuing bank is a whitelist bank, the cumulative number of chargeback requests sent by the target card-issuing bank is less than the second quantity threshold, and the cumulative number of chargeback requests received by the target acquiring bank branch corresponding to the chargeback request is less than the fourth quantity threshold, determine that the target feedback method is blockchain chargeback feedback;

[0026] If the target card-issuing bank is a whitelist bank, the cumulative number of chargeback requests sent by the target card-issuing bank is less than the second quantity threshold, and the cumulative number of chargeback requests sent by the target card-issuing bank is less than the third quantity threshold and greater than the fourth quantity threshold, determine that the target feedback method is manual chargeback feedback.

[0027] In one embodiment, when the target feedback method is blockchain chargeback feedback, determining the feedback information corresponding to the chargeback request according to the target feedback method so that the target card-issuing bank can obtain the feedback information includes:

[0028] Send the chargeback request to the target blockchain; the target blockchain is a blockchain that pre-stores the acquisition vouchers;

[0029] Receive the acquisition voucher queried by the target blockchain according to the chargeback request;

[0030] Send the acquisition voucher to the card organization so that the target card-issuing bank can query and obtain the acquisition voucher corresponding to the chargeback request from the card organization.

[0031] In one embodiment, when the target feedback method is manual adjustment order feedback, determining the feedback information corresponding to the adjustment order request according to the target feedback method so that the target issuing bank can obtain the feedback information includes:

[0032] Sending the adjustment order request to the merchant jurisdiction bank corresponding to the target merchant;

[0033] Receiving the acquisition voucher queried by the staff of the merchant jurisdiction bank according to the adjustment order request;

[0034] Sending the acquisition voucher to the card organization so that the target issuing bank can query and obtain the acquisition voucher corresponding to the adjustment order request from the card organization.

[0035] In one embodiment, when the target feedback method is card organization feedback, determining the feedback information corresponding to the adjustment order request according to the target feedback method so that the target issuing bank can obtain the feedback information includes:

[0036] Determining a prompt message indicating that the adjustment order request is abnormal;

[0037] Sending the prompt message to the card organization so that the target issuing bank can query and obtain the prompt message corresponding to the adjustment order request from the card organization.

[0038] In a second aspect, the present application also provides a feedback device for an adjustment order request. The device includes:

[0039] A receiving module, configured to receive an adjustment order request sent by a target issuing bank; wherein, the adjustment order request is determined by the target issuing bank according to the service requirements of a target user;

[0040] A method determination module, configured to determine a target feedback method corresponding to the adjustment order request by using the target service information corresponding to the adjustment order request; wherein, the feedback methods include card organization feedback, blockchain adjustment order feedback, and manual adjustment order feedback, and the target feedback method is one of the feedback methods;

[0041] An information determination module, configured to determine the feedback information corresponding to the adjustment order request according to the target feedback method so that the target issuing bank can obtain the feedback information.

[0042] In one embodiment, the method determination module includes:

[0043] A first determination sub-module, configured to determine the target service information corresponding to the adjustment order request; wherein, the target service information includes target merchant information, target transaction information, target issuing bank information, and acquiring bank branch information;

[0044] A second determination sub-module, configured to determine a target feedback method corresponding to the adjustment request according to a preset service rule and the target service information.

[0045] In one embodiment, the second determination sub-module includes:

[0046] A first determination unit, configured to determine a merchant type of a target merchant corresponding to the adjustment request according to the target merchant information;

[0047] A second determination unit, configured to determine that the target feedback method is the card organization feedback if the target merchant is a blacklist merchant;

[0048] A third determination unit, configured to determine that the target feedback method is the manual adjustment request feedback if the target merchant is not a blacklist merchant and not a whitelist merchant;

[0049] A fourth determination unit, configured to determine that the target feedback method is the card organization feedback if the target merchant is a whitelist merchant and the target transaction amount is greater than a first amount threshold;

[0050] A fifth determination unit, configured to determine that the target feedback method is the manual adjustment request feedback if the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold and greater than a second amount threshold;

[0051] An information determination unit, configured to determine the target feedback method by combining the issuing bank information of the target issuing bank if the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold.

[0052] In one embodiment, the information determination unit includes:

[0053] A sixth determination unit, configured to determine a bank type of the target issuing bank if the target merchant is a whitelist merchant and the target transaction amount is less than the second amount threshold;

[0054] A seventh determination unit, configured to determine that the target feedback method is the card organization feedback if the target issuing bank is a blacklist bank;

[0055] An eighth determination unit, configured to determine that the target feedback method is the card organization feedback if the target issuing bank is a whitelist bank and the cumulative number of adjustment requests sent by the target issuing bank is greater than the first quantity threshold;

[0056] A ninth determination unit, configured to determine that the target feedback method is the manual adjustment request feedback if the target issuing bank is a whitelist bank and the cumulative number of adjustment requests sent by the target issuing bank is less than the first quantity threshold and greater than the second quantity threshold.

[0057] A tenth determination unit, configured to determine that the target feedback method is the card organization feedback if the target issuing bank is a whitelist bank, the cumulative number of sent request-for-investigation requests of the target issuing bank is less than a second quantity threshold, and the cumulative number of received request-for-investigation requests of the target acquiring bank branch corresponding to the request-for-investigation request is greater than a third quantity threshold;

[0058] An eleventh determination unit, configured to determine that the target feedback method is the blockchain request-for-investigation feedback if the target issuing bank is a whitelist bank, the cumulative number of sent request-for-investigation requests of the target issuing bank is less than a second quantity threshold, and the cumulative number of received request-for-investigation requests of the target acquiring bank branch corresponding to the request-for-investigation request is less than a fourth quantity threshold;

[0059] A twelfth determination unit, configured to determine that the target feedback method is the manual request-for-investigation feedback if the target issuing bank is a whitelist bank, the cumulative number of sent request-for-investigation requests of the target issuing bank is less than a second quantity threshold, and the cumulative number of sent request-for-investigation requests of the target issuing bank is less than a third quantity threshold and greater than a fourth quantity threshold;

[0060] In one embodiment, when the target feedback method is the blockchain request-for-investigation feedback, the information determination module includes:

[0061] A first request sending unit, configured to send the request-for-investigation request to a target blockchain; the target blockchain is a blockchain that pre-stores acquisition vouchers;

[0062] A first receiving unit, configured to receive the acquisition vouchers queried by the target blockchain according to the request-for-investigation request;

[0063] A first feedback sending unit, configured to send the acquisition vouchers to the card organization, so that the target issuing bank can query and obtain the acquisition vouchers corresponding to the request-for-investigation request from the card organization.

[0064] In one embodiment, when the target feedback method is the manual request-for-investigation feedback, the information determination module includes:

[0065] A second request sending unit, configured to send the request-for-investigation request to the merchant jurisdiction bank corresponding to the target merchant;

[0066] A second receiving unit, configured to receive the acquisition vouchers queried by the staff of the merchant jurisdiction bank according to the request-for-investigation request;

[0067] A second feedback sending unit, configured to send the acquisition vouchers to the card organization, so that the target issuing bank can query and obtain the acquisition vouchers corresponding to the request-for-investigation request from the card organization.

[0068] In one embodiment, when the target feedback method is card organization feedback, the information determination module includes:

[0069] A determination unit, configured to determine a prompt message indicating an abnormality of the chargeback request;

[0070] Send the prompt message to the card organization, so that the target issuing bank can query and obtain the prompt message corresponding to the chargeback request from the card organization.

[0071] In a third aspect, the present application also provides a computer device. The computer device includes a memory and a processor. The memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0072] Receive a chargeback request sent by a target issuing bank; wherein, the chargeback request is determined by the target issuing bank according to the service requirements of a target user;

[0073] Use the target service information corresponding to the chargeback request to determine a target feedback method corresponding to the chargeback request; wherein, the feedback methods include card organization feedback, blockchain chargeback feedback, and manual chargeback feedback, and the target feedback method is one of the feedback methods;

[0074] Determine feedback information corresponding to the chargeback request according to the target feedback method, so that the target issuing bank can obtain the feedback information.

[0075] In a fourth aspect, the present application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0076] Receive a chargeback request sent by a target issuing bank; wherein, the chargeback request is determined by the target issuing bank according to the service requirements of a target user;

[0077] Use the target service information corresponding to the chargeback request to determine a target feedback method corresponding to the chargeback request; wherein, the feedback methods include card organization feedback, blockchain chargeback feedback, and manual chargeback feedback, and the target feedback method is one of the feedback methods;

[0078] Determine feedback information corresponding to the chargeback request according to the target feedback method, so that the target issuing bank can obtain the feedback information.

[0079] In a fifth aspect, the present application also provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0080] Receive a request for transaction document inquiry sent by the target issuing bank; wherein, the request for transaction document inquiry is determined by the target issuing bank according to the business requirements of the target user;

[0081] Use the target business information corresponding to the request for transaction document inquiry to determine the target feedback method corresponding to the request for transaction document inquiry; wherein, the feedback methods include card organization feedback, blockchain transaction document inquiry feedback, and manual transaction document inquiry feedback, and the target feedback method is one of the feedback methods;

[0082] Determine the feedback information corresponding to the request for transaction document inquiry according to the target feedback method, so that the target issuing bank can obtain the feedback information.

[0083] Regarding the above feedback method, device, computer equipment, storage medium, and computer program product for transaction document inquiry, compared with the existing method of directly obtaining the corresponding purchase receipt from the blockchain according to the request for transaction document inquiry, in this method, after receiving the request for transaction document inquiry, the target business information corresponding to the request for transaction document inquiry is first determined, and then the target feedback method corresponding to the request for transaction document inquiry is determined according to the target business information, that is, according to the difference in target business information, the corresponding target feedback method is used to feedback the request for transaction document inquiry. Therefore, on the basis of being able to feedback the request for transaction document inquiry, this method ensures the security of retrieving the purchase receipt using the blockchain. Description of the Drawings

[0084] Figure 1 It is an application environment diagram of the feedback method for the request for transaction document inquiry in an embodiment;

[0085] Figure 2 It is a flowchart of the feedback method for the request for transaction document inquiry in an embodiment;

[0086] Figure 3 It is a flowchart of the step of determining the target feedback method corresponding to the request for transaction document inquiry according to the preset business rules and target business information in an embodiment;

[0087] Figure 4 It is a system architecture diagram of the feedback method for the request for transaction document inquiry in an embodiment;

[0088] Figure 5 It is a timing diagram of the feedback method for the request for transaction document inquiry in an embodiment;

[0089] Figure 6 It is a structural block diagram of the feedback device for the request for transaction document inquiry in an embodiment;

[0090] Figure 7 It is an internal structure diagram of a computer device in an embodiment. Detailed Description of the Embodiment

[0091] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0092] The feedback method for the order adjustment request provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown; wherein, the application environment involves the issuing bank 102, the card organization 104 and the acquiring bank 106, the issuing bank 102 and the acquiring bank 106 respectively communicate with the card organization 104 network, after receiving the user's business needs, the issuing bank 102 generates a corresponding order adjustment request and sends the order adjustment request to the card organization 104; the card organization 104 sends the corresponding order adjustment request to the acquiring bank 106 by file push, or the acquiring bank 106 obtains the corresponding order adjustment request by logging into the website of the card organization 104; after receiving the order adjustment request, the acquiring bank 106 uses the target business information corresponding to the order adjustment request to determine the target feedback method corresponding to the order adjustment request; wherein the feedback method includes card organization feedback, blockchain order adjustment feedback and manual order adjustment feedback, and the target feedback method is one of the feedback methods; according to the target feedback method, the feedback information corresponding to the order adjustment request is determined so that the target issuing bank 102 obtains the feedback information. It should be noted that the issuing bank 102, the acquiring bank 106 and the card organization 104 can use terminal devices or servers to implement corresponding operations, and the terminal devices can be personal computers, laptops, etc., and the servers can be implemented as independent servers or server clusters composed of multiple servers.

[0093] In one embodiment, Figure 2 As shown, a feedback method for order adjustment request is provided, and the method is applied to Figure 1 Taking the terminal equipment of the receiving bank as an example, the following steps are included:

[0094] Step 202, receiving an order transfer request sent by a target issuing bank; wherein the order transfer request is determined by the target issuing bank according to the business needs of the target user.

[0095] Specifically, when a user uses a bank card or credit card for consumption transactions, a corresponding purchase voucher will be generated; order adjustment refers to the process of retrieving the required purchase voucher through the bank, and order adjustment request refers to the request information for retrieving the purchase voucher.

[0096] In actual operation, when the target user discovers that the funds in their bank account or credit card account are abnormal, they send a service demand to the target issuing bank. The target issuing bank determines the corresponding request for retrieving transaction documents based on the service demand of the target user. The target issuing bank sends the generated request for retrieving transaction documents to the card organization, and the card organization sends the corresponding request for retrieving transaction documents to the acquiring bank through file push, or the acquiring bank obtains the corresponding request for retrieving transaction documents by logging in to the website of the card organization. It should be noted that the card organization includes VISA (a credit card brand), MASTERCARD International Incorporated, UnionPay, etc. The specific type of the card organization is not limited in this embodiment.

[0097] Step 204: Determine the target feedback method corresponding to the request for retrieving transaction documents by using the target service information corresponding to the request for retrieving transaction documents. Among them, the feedback methods include card organization feedback, blockchain-based feedback for retrieving transaction documents, and manual feedback for retrieving transaction documents, and the target feedback method is one of the feedback methods.

[0098] Specifically, after receiving the request for retrieving transaction documents, the acquiring bank analyzes the request for retrieving transaction documents to determine the target service information corresponding to the request for retrieving transaction documents. According to the specific situation of the target service information, the target feedback method corresponding to the request for retrieving transaction documents is determined. The feedback method refers to the method of providing feedback for the request for retrieving transaction documents. In this embodiment, the feedback methods include card organization feedback, blockchain-based feedback for retrieving transaction documents, and manual feedback for retrieving transaction documents. Among them, card organization feedback means that the acquiring bank does not query the sales draft corresponding to the request for retrieving transaction documents, but provides feedback for the request for retrieving transaction documents by directly sending a prompt message to the card organization. Blockchain-based feedback for retrieving transaction documents means that the acquiring bank obtains the corresponding sales draft from the blockchain according to the request for retrieving transaction documents to provide feedback for the request for retrieving transaction documents. Manual feedback for retrieving transaction documents means that the staff of the acquiring bank queries the corresponding sales draft according to the request for retrieving transaction documents to provide feedback for the request for retrieving transaction documents.

[0099] Step 206: Determine the feedback information corresponding to the request for retrieving transaction documents according to the target feedback method, so that the target issuing bank can obtain the feedback information.

[0100] Specifically, after determining the feedback information corresponding to the request for retrieving transaction documents according to the target feedback method, that is, after determining the prompt message corresponding to the request for retrieving transaction documents through card organization feedback, or determining the sales draft corresponding to the request for retrieving transaction documents through blockchain-based feedback for retrieving transaction documents, or determining the sales draft corresponding to the request for retrieving transaction documents through manual feedback for retrieving transaction documents, the prompt message or the sales draft is sent to the card organization. The target issuing bank obtains the corresponding feedback information from the card organization through interface call, or the target issuing bank queries and obtains the feedback information corresponding to the request for retrieving transaction documents by logging in to the website of the card organization. The specific method for the target issuing bank to obtain the feedback information corresponding to the request for retrieving transaction documents from the card organization is not limited in this embodiment.

[0101] In the feedback of the above-mentioned request for transaction details, compared with the method of directly obtaining the corresponding receipt voucher from the blockchain according to the request for transaction details in the prior art, in this method, after receiving the request for transaction details, the target business information corresponding to the request for transaction details is first determined, and then the target feedback method corresponding to the request for transaction details is determined according to the target business information. That is, according to the differences in the target business information, the corresponding target feedback method is used to feedback the request for transaction details. Therefore, on the basis of being able to feedback the request for transaction details, the security of retrieving the receipt voucher using the blockchain is guaranteed.

[0102] On the basis of the above-mentioned embodiments, the technical solution is further described and optimized in this embodiment. Specifically, in this embodiment, using the target business information corresponding to the request for transaction details to determine the target feedback method corresponding to the request for transaction details includes:

[0103] Determine the target business information corresponding to the request for transaction details; among them, the target business information includes target merchant information, target transaction information, target issuing bank information, and acquiring bank branch information;

[0104] According to the preset business rules and the target business information, determine the target feedback method corresponding to the request for transaction details.

[0105] Specifically, the target business information includes target merchant information, that is, the information representing the merchant type of the target merchant; target transaction information, that is, the information representing the transaction situation, such as the target transaction amount; target issuing bank information, that is, the information such as the bank type representing the target issuing bank; acquiring bank branch information, that is, the information corresponding to the acquiring bank branch.

[0106] Specifically, the preset business rules refer to the rules set in advance for determining the corresponding feedback method according to each business information; for example, in case A, the corresponding feedback method is determined to be card organization feedback, and in case B, the corresponding feedback method is determined to be blockchain transaction details inquiry feedback, etc. This embodiment does not limit the business rules and can be set according to actual needs.

[0107] It can be seen that in this embodiment, according to the preset business rules and the target business information, determining the target feedback method corresponding to the request for transaction details can accurately determine the target feedback method corresponding to the request for transaction details.

[0108] Figure 3 This is a flow chart showing the steps of a method for determining the target feedback method corresponding to the request for transaction details according to the preset business rules and the target business information; on the basis of the above-mentioned embodiments, the technical solution is further described and optimized in this embodiment. Specifically, in this embodiment, according to the preset business rules and the target business information, determining the target feedback method corresponding to the request for transaction details includes:

[0109] Determine the merchant type of the target merchant corresponding to the request for documentary evidence based on the target merchant information.

[0110] Specifically, the merchant types include blacklist merchants and whitelist merchants. By determining whether the merchant information of the target merchant is in the preset merchant whitelist or merchant blacklist, determine whether the target merchant is a whitelist merchant or a blacklist merchant. More specifically, in actual operation, a merchant number can be set for each merchant, and the whitelist or blacklist can be set using the merchant name and merchant number; when determining the merchant type of the target merchant, use the target merchant number corresponding to the target merchant to query in the whitelist or blacklist to determine the merchant type of the target merchant.

[0111] If the target merchant is a blacklist merchant, determine the target feedback method as card organization feedback.

[0112] It should be noted that if it is determined that the target merchant is a blacklist merchant, that is, it has been previously determined that there is a situation of abnormal funds for the target merchant. Therefore, the target feedback method corresponding to the request for documentary evidence can be directly determined as card organization feedback.

[0113] If the target merchant is not a blacklist merchant and not a whitelist merchant, determine the target feedback method as manual documentary evidence feedback.

[0114] Specifically, if it is determined that the target merchant is neither a blacklist merchant nor a whitelist merchant, that is, the security of the target merchant has not reached the level that can directly feedback documentary evidence through the blockchain, but it has not been determined that there is a situation of abnormal funds for the target merchant. Therefore, the target feedback method corresponding to the request for documentary evidence is determined as manual documentary evidence feedback.

[0115] If the target merchant is a whitelist merchant and the target transaction amount is greater than the first amount threshold, determine the target feedback method as card organization feedback;

[0116] If the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold and greater than the second amount threshold, determine the target feedback method as manual documentary evidence feedback.

[0117] Specifically, if it is determined that the target merchant is a whitelist merchant, the target transaction amount corresponding to the request for documentary evidence can be further judged, and the target transaction amount is compared with the first amount threshold and the second amount threshold; if the target transaction amount is greater than the first amount threshold, it means that the request for documentary evidence may be abnormal. Therefore, the target feedback method is determined as card organization feedback; if the target transaction amount is less than the first amount threshold and greater than the second amount threshold, it means that the target transaction amount has not reached the level that can directly feedback documentary evidence through the blockchain, and it has not been determined that the request for documentary evidence is abnormal. Therefore, the target feedback method is determined as manual documentary evidence feedback.

[0118] If the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold, the target feedback method is determined in combination with the issuing bank information of the target issuing bank.

[0119] In one embodiment, if the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold, the target feedback method is determined in combination with the issuing bank information of the target issuing bank, including:

[0120] If the target merchant is a whitelist merchant and the target transaction amount is less than the second amount threshold, the bank type of the target issuing bank is determined.

[0121] Specifically, the bank types include blacklist banks and whitelist banks. By determining whether the bank information of the target issuing bank is in the preset bank whitelist or bank blacklist, it is determined whether the target issuing bank is a whitelist bank or a blacklist bank. In actual operation, an issuing institution number can be set for each issuing bank, and the corresponding whitelist or blacklist is set using the issuing bank name and the issuing institution number; when determining the bank type of the target issuing bank, the target issuing institution number corresponding to the target issuing bank is used to query in the whitelist or blacklist to determine the bank type of the target issuing bank.

[0122] If the target issuing bank is a blacklist bank, it is determined that the target feedback method is card organization feedback.

[0123] It should be noted that if it is determined that the target issuing bank is a blacklist bank, that is, it has been previously determined that there is an abnormal fund situation for the target issuing bank. Therefore, it can be directly determined that the target feedback method corresponding to the request for document inspection is card organization feedback.

[0124] If the target issuing bank is a whitelist bank and the cumulative number of requests for document inspection sent by the target issuing bank is greater than the first quantity threshold, it is determined that the target feedback method is card organization feedback;

[0125] If the target issuing bank is a whitelist bank and the cumulative number of requests for document inspection sent by the target issuing bank is less than the first quantity threshold and greater than the second quantity threshold, it is determined that the target feedback method is manual document inspection feedback.

[0126] Specifically, if the target card-issuing bank is determined to be a whitelist bank, the cumulative number of chargeback requests sent by the target card-issuing bank within a preset time period is further obtained and compared with the first quantity threshold. If the cumulative number of chargeback requests sent is greater than the first quantity threshold, it indicates that the target card-issuing bank has sent an excessive number of chargeback requests within the preset time period, and there may be abnormal funds for the target card-issuing bank. Therefore, the target feedback method is determined to be card organization feedback. If the cumulative number of chargeback requests sent by the target card-issuing bank is less than the first quantity threshold and greater than the second quantity threshold, it means that the cumulative number of chargeback requests sent has not reached the level where it can be directly fed back through blockchain chargeback, and no abnormality of the chargeback request has been determined. Therefore, the target feedback method is determined to be manual chargeback feedback.

[0127] If the target card-issuing bank is a whitelist bank, the cumulative number of chargeback requests sent by the target card-issuing bank is less than the second quantity threshold, and the cumulative number of chargeback requests received by the target branch of the acquiring bank corresponding to the chargeback request is greater than the third quantity threshold, then the target feedback method is determined to be card organization feedback;

[0128] If the target card-issuing bank is a whitelist bank, the cumulative number of chargeback requests sent by the target card-issuing bank is less than the second quantity threshold, and the cumulative number of chargeback requests received by the target branch of the acquiring bank corresponding to the chargeback request is less than the fourth quantity threshold, then the target feedback method is determined to be blockchain chargeback feedback.

[0129] If the target card-issuing bank is a whitelist bank, the cumulative number of chargeback requests sent by the target card-issuing bank is less than the second quantity threshold, and the cumulative number of chargeback requests sent by the target card-issuing bank is less than the third quantity threshold and greater than the fourth quantity threshold, then the target feedback method is determined to be manual chargeback feedback.

[0130] It can be understood that the acquirer corresponds to multiple branch banks. For the same acquirer, different transactions may correspond to different branch banks. Therefore, the target acquirer branch corresponding to the transaction can be further determined according to the request for retrieving transaction documents. In this embodiment, if the target issuer is determined to be a bank on the whitelist and the cumulative number of requests for retrieving transaction documents sent by the target issuer is less than the second quantity threshold, the cumulative number of requests for retrieving transaction documents received by the target acquirer branch within the target time period is further determined, that is, the number of requests for retrieving transaction documents received by the acquirer branch. It is judged whether the cumulative number of requests for retrieving transaction documents is greater than the third quantity threshold. If it is greater, it means that the number of requests for retrieving transaction documents received by the target acquirer branch within the preset time period is excessive, that is, there may be abnormal funds in the target acquirer branch. Therefore, the target feedback method is determined to be card organization feedback. In addition, it is judged whether the cumulative number of requests for retrieving transaction documents is less than the fourth quantity threshold. If it is less, it means that the number of love letters for retrieving transaction documents received by the target acquirer branch within the preset time period is small, that is, the funds of the target acquirer branch are normal. Therefore, the target feedback method is determined to be blockchain feedback for retrieving transaction documents. If the cumulative number of requests for retrieving transaction documents received by the target acquirer branch is less than the third quantity threshold and greater than the fourth quantity threshold, it means that the cumulative number of requests for retrieving transaction documents has not reached the level that can directly use blockchain feedback for retrieving transaction documents, and no abnormality of the request for retrieving transaction documents has been determined. Therefore, the target feedback method is determined to be manual feedback for retrieving transaction documents.

[0131] It should be noted that in actual operation, one or more pieces of business information can also be used for combined setting of corresponding business rules. According to the adaptation relationship between the target business information and the business rules, the corresponding target feedback method is determined. For example, only when it is determined that the target transaction amount is greater than the first amount threshold and the cumulative number of requests for retrieving transaction documents sent by the target issuer is greater than the first quantity threshold, the target feedback method is determined to be card organization feedback; or, as long as it is determined that the cumulative number of requests for retrieving transaction documents sent by the target issuer is greater than the first quantity threshold, the target feedback method is determined to be card organization feedback; or, if the target merchant is determined to be a merchant on the whitelist, the target feedback method is determined to be blockchain feedback for retrieving transaction documents. The specific content of the business rules in this embodiment is not limited.

[0132] In this embodiment, by using merchant information, transaction information, issuer information, and acquirer branch information to determine the corresponding business rules, and determining the corresponding target feedback method according to the target business information, the operation process is convenient and the determined target feedback method corresponding to the request for retrieving transaction documents is more accurate.

[0133] On the basis of the above embodiment, this embodiment further explains and optimizes the technical solution. Specifically, in this embodiment, when the target feedback method is blockchain feedback for retrieving transaction documents, the feedback information corresponding to the request for retrieving transaction documents is determined according to the target feedback method, so that the target issuer can obtain the feedback information, including:

[0134] Send the adjustment request to the target blockchain; the target blockchain is the blockchain that pre-stores the acquisition vouchers.

[0135] Receive the acquisition vouchers queried by the target blockchain according to the adjustment request.

[0136] Send the acquisition vouchers to the card organization so that the target issuing bank can query and obtain the acquisition vouchers corresponding to the adjustment request from the card organization.

[0137] Specifically, in this embodiment, the target blockchain is the blockchain that pre-stores the acquisition vouchers; that is, when the customer has a consumption transaction with the acquiring bank, the acquiring bank stores the corresponding acquisition vouchers in the target blockchain, that is, uploads the acquisition vouchers to the chain; when the target feedback method is blockchain feedback, after receiving the adjustment request, the acquiring bank converts the adjustment request into a corresponding request message and sends it to the target blockchain; after receiving the request message, the target blockchain parses out the adjustment request and performs security verification on the adjustment request; the security verification includes verifying whether a valid digital signature is carried in the adjustment request. In the case where the security verification passes, verify the timeliness of the adjustment request, including determining whether the time difference between the request time corresponding to the adjustment request and the transaction time corresponding to the adjustment request is within the first validity period, and determining whether the time difference between the request time and the current time is within the second validity period; if both are within the validity period, it means that the adjustment request has timeliness. Therefore, find out the corresponding acquisition vouchers according to the adjustment request, encapsulate the acquisition vouchers into corresponding message information, and send the message information to the acquiring bank; after receiving the message information, the acquiring bank parses the message information to obtain the acquisition vouchers corresponding to the adjustment request; after parsing out the acquisition vouchers, send the acquisition vouchers to the card organization, and the card organization can publicize the received acquisition vouchers; the target issuing bank queries and obtains the acquisition vouchers corresponding to the adjustment request by logging in to the website of the card organization, or obtains the corresponding acquisition vouchers by means of interface call, that is, sends a acquisition request to the card organization, and the card organization sends the corresponding acquisition vouchers to the target issuing bank according to the acquisition request.

[0138] It can be seen that in this embodiment, the acquisition vouchers corresponding to the adjustment request are obtained through the blockchain, and the operation method is convenient.

[0139] On the basis of the above embodiment, this embodiment further explains and optimizes the technical solution. Specifically, in this embodiment, when the target feedback method is manual adjustment feedback, determine the feedback information corresponding to the adjustment request according to the target feedback method so that the target issuing bank can obtain the feedback information, including:

[0140] Send the adjustment request to the merchant jurisdiction bank corresponding to the target merchant.

[0141] Receive the acquisition vouchers queried by the staff of the merchant jurisdiction bank according to the adjustment request.

[0142] Send the purchase voucher to the card organization so that the target issuing bank can query and obtain the purchase voucher corresponding to the adjustment request from the card organization.

[0143] It can be understood that in actual operation, when a consumption transaction occurs between the target merchant and the target user, specifically, a certain sub-branch in the branch of the acquiring bank, that is, the merchant jurisdiction bank, generates a corresponding purchase voucher through the target merchant and the target user. Therefore, in this embodiment, after receiving the adjustment request, the acquiring bank performs a security verification on the adjustment request. The security verification includes verifying whether a valid digital signature is carried in the adjustment request. In the case where the security verification passes, the timeliness of the adjustment request is verified, including determining whether the time difference between the request time corresponding to the adjustment request and the transaction time corresponding to the adjustment request is within the first validity period, and determining whether the time difference between the request time and the current time is within the second validity period. If both are within the validity period, it means that the adjustment request has timeliness. Therefore, through the communication connection relationship between the head office and the branch, and between the branch and the sub-branch, the adjustment request is sent to the merchant jurisdiction bank. The staff of the merchant jurisdiction bank manually queries the purchase voucher corresponding to the adjustment request, and again, according to the communication connection relationship between the head office and the branch, and between the branch and the sub-branch, the merchant jurisdiction bank sends the adjustment request to the head office, that is, the acquiring bank. The acquiring bank then sends the purchase voucher to the card organization so that the target issuing bank can query and obtain the purchase voucher corresponding to the adjustment request from the card organization. Otherwise, it means that the adjustment request is not within the validity period, and thus the process ends. It should be noted that the method for the target issuing bank to query and obtain the purchase voucher from the card organization can refer to the explanation in the above embodiment and will not be elaborated here.

[0144] It can be seen that in this embodiment, the purchase voucher corresponding to the adjustment request is determined through manual adjustment. During the process of manual adjustment, the staff can gradually verify the security of the transaction corresponding to the adjustment request, which can relatively guarantee the security of the feedback purchase voucher.

[0145] Based on the above embodiment, this embodiment further explains and optimizes the technical solution. Specifically, in this embodiment, when the target feedback method is card organization feedback, the feedback information corresponding to the adjustment request is determined according to the target feedback method so that the target issuing bank can obtain the feedback information, including:

[0146] Determine the prompt information indicating that the adjustment request is abnormal;

[0147] Send the prompt information to the card organization so that the target issuing bank can query and obtain the prompt information corresponding to the adjustment request from the card organization.

[0148] Specifically, in this embodiment, when the target feedback method is card organization feedback, after receiving a request for document investigation, the acquiring bank determines a prompt message indicating the abnormality of the request for document investigation. The specific type of the prompt message is not limited in this embodiment. The prompt message is sent to the card organization, and the card organization can publicize the received prompt message. The target issuing bank queries and obtains the prompt message corresponding to the request for document investigation by logging in to the website of the card organization, or obtains the corresponding prompt message by means of interface call, that is, sends a request for acquisition to the card organization, and the card organization sends the corresponding prompt message to the target issuing bank according to the request for acquisition.

[0149] It can be seen that in this embodiment, by determining the prompt message corresponding to the request for document investigation so that the target card organization can obtain the prompt message corresponding to the request for document investigation, it is possible to intuitively determine that there is an abnormality in the transaction corresponding to the request for document investigation.

[0150] Such as Figure 4 As shown, it is a system architecture diagram of the feedback method for the request for document investigation in an embodiment. In actual operation, the user logs in to the user interface through the account password, judges the operation authority of the user using the account password, and displays the corresponding user interface according to the operation authority of the user. If the user has the operation authority to set business information and business rules, then by performing corresponding operations on the user interface, the business information is set and the corresponding business rules are set. The business information is the parameters for the user to set business rules, including merchant information, transaction information, issuing bank information, and acquiring bank branch information, etc. The business rules are the rules for determining the target feedback method. The business information and the corresponding business rules are not limited in this embodiment.

[0151] In addition, for different target feedback methods, the corresponding operation processes are different. The operation processes corresponding to each feedback method are respectively encapsulated into corresponding components, and callable interfaces corresponding to each component are reserved. After receiving the request for document investigation, the target feedback method corresponding to the request for document investigation is determined, that is, the corresponding target business process is determined. By calling the call interface of the component corresponding to the target business process, the business process is implemented using the corresponding component. More specifically, the encapsulated component implements data storage logic, data processing logic, and style logic, connects to the database through a data access interface, operates on the database using SQL (Structured Query Language) statements according to the script, obtains the data information required for the business process from the database, and generates a file in a specific format after format rendering, records the file generation time, and determines the corresponding file log.

[0152] Such as Figure 5As shown, it is a timing diagram of the feedback method for the adjustment order request in an embodiment. Taking the blockchain adjustment order feedback as the target feedback method, after determining the adjustment order request according to the business requirements of the target user, the target issuing bank sends the adjustment order request to the card organization. After receiving the adjustment order request, the card organization determines the request number corresponding to the adjustment order request and feeds back the request number to the target issuing bank. The request number is the information index for the subsequent process. The card organization forwards the adjustment order request and the request number to the acquiring bank. The acquiring bank determines the target feedback method corresponding to the adjustment order request according to the target business information corresponding to the adjustment order request. Then, the adjustment order request is converted into a request message and sent to the blockchain. The blockchain parses the request message to obtain the adjustment order request, determines the purchase voucher corresponding to the adjustment information, encapsulates the purchase voucher into the corresponding message information and sends it to the acquiring bank. The acquiring bank obtains the corresponding purchase voucher by parsing the message information. The acquiring bank then sends the purchase voucher and the request number corresponding to the adjustment order request to the card organization. The card organization uses the request number and the purchase voucher for publicity. The target issuing bank sends a query request and the request number to the card organization. The card organization determines the corresponding purchase voucher according to the request number and feeds back the purchase voucher and the corresponding request number to the target issuing bank. In addition, after obtaining the purchase voucher, the acquiring bank performs a data persistence operation, that is, saves the purchase voucher to the local memory. After obtaining the purchase voucher, the acquiring bank can also display the purchase voucher through a page, and the feedback of the adjustment order request is completed.

[0153] It can be seen that according to the method of this embodiment, on the basis of being able to feedback the adjustment order request, it can ensure the security of retrieving the purchase voucher using the blockchain, and can quickly and conveniently determine the purchase voucher corresponding to the adjustment order request, ensuring the time stability and efficiency of the feedback of the adjustment order request.

[0154] It should be understood that although the steps in the flowcharts involved in the above embodiments are shown in sequence according to the arrows, these steps do not necessarily need to be executed in the order indicated by the arrows. Unless there is a clear description in this article, the execution of these steps has no strict order limit, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above embodiments may include multiple steps or multiple stages. These steps or stages do not necessarily need to be executed at the same time, but can be executed at different times. The execution order of these steps or stages does not necessarily need to be sequential, but can be executed alternately or in turn with at least a part of other steps or steps or stages in other steps.

[0155] Based on the same inventive concept, an embodiment of the present application further provides a feedback device for a card adjustment request for implementing the feedback method of the card adjustment request involved above. The solution provided by this device for solving problems is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the feedback device for the card adjustment request provided below can refer to the limitations on the feedback method of the card adjustment request in the above text, and will not be repeated here.

[0156] In one embodiment, as Figure 6 shown, a feedback device for a card adjustment request is provided, including: a receiving module 602, a method determination module 604, and an information determination module 606, where:

[0157] The receiving module 602 is configured to receive a card adjustment request sent by a target issuing bank; where the card adjustment request is determined by the target issuing bank according to the service requirements of the target user;

[0158] The method determination module 604 is configured to use the target service information corresponding to the card adjustment request to determine a target feedback method corresponding to the card adjustment request; where the feedback method includes card organization feedback, blockchain card adjustment feedback, and manual card adjustment feedback, and the target feedback method is one of the feedback methods;

[0159] The information determination module 606 is configured to determine feedback information corresponding to the card adjustment request according to the target feedback method, so that the target issuing bank can obtain the feedback information.

[0160] A feedback device for a card adjustment request provided by an embodiment of the present invention has the same beneficial effects as the above-mentioned feedback method for a card adjustment request.

[0161] In one of the embodiments, the method determination module includes:

[0162] The first determination sub-module is configured to determine target service information corresponding to the card adjustment request; where the target service information includes target merchant information, target transaction information, target issuing bank information, and acquiring bank branch information;

[0163] The second determination sub-module is configured to determine a target feedback method corresponding to the card adjustment request according to a preset service rule and the target service information.

[0164] In one of the embodiments, the second determination sub-module includes:

[0165] The first determination unit is configured to determine the merchant type of the target merchant corresponding to the card adjustment request according to the target merchant information;

[0166] The second determination unit is configured to, if the target merchant is a blacklist merchant, determine that the target feedback method is card organization feedback;

[0167] A third determination unit, configured to determine that the target feedback method is manual rechecking feedback if the target merchant is not a blacklist merchant and not a whitelist merchant;

[0168] A fourth determination unit, configured to determine that the target feedback method is card organization feedback if the target merchant is a whitelist merchant and the target transaction amount is greater than the first amount threshold;

[0169] A fifth determination unit, configured to determine that the target feedback method is manual rechecking feedback if the target merchant is a whitelist merchant, the target transaction amount is less than the first amount threshold and greater than the second amount threshold;

[0170] An information determination unit, configured to determine the target feedback method by combining the issuing bank information of the target issuing bank if the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold.

[0171] In one embodiment, the information determination unit includes:

[0172] A sixth determination unit, configured to determine the bank type of the target issuing bank if the target merchant is a whitelist merchant and the target transaction amount is less than the second amount threshold;

[0173] A seventh determination unit, configured to determine that the target feedback method is card organization feedback if the target issuing bank is a blacklist bank;

[0174] An eighth determination unit, configured to determine that the target feedback method is card organization feedback if the target issuing bank is a whitelist bank and the cumulative number of rechecking requests sent by the target issuing bank is greater than the first quantity threshold;

[0175] A ninth determination unit, configured to determine that the target feedback method is manual rechecking feedback if the target issuing bank is a whitelist bank, the cumulative number of rechecking requests sent by the target issuing bank is less than the first quantity threshold and greater than the second quantity threshold;

[0176] A tenth determination unit, configured to determine that the target feedback method is card organization feedback if the target issuing bank is a whitelist bank, the cumulative number of rechecking requests sent by the target issuing bank is less than the second quantity threshold, and the cumulative number of rechecking requests received by the target receiving bank branch corresponding to the rechecking request is greater than the third quantity threshold;

[0177] An eleventh determination unit, configured to determine that the target feedback method is blockchain rechecking feedback if the target issuing bank is a whitelist bank, the cumulative number of rechecking requests sent by the target issuing bank is less than the second quantity threshold, and the cumulative number of rechecking requests received by the target receiving bank branch corresponding to the rechecking request is less than the fourth quantity threshold;

[0178] A twelfth determination unit, configured to determine that the target feedback method is manual adjustment request feedback if the target issuing bank is a whitelist bank, the cumulative number of adjustment request sent by the target issuing bank is less than a second quantity threshold, and the cumulative number of adjustment request sent by the target issuing bank is less than a third quantity threshold and greater than a fourth quantity threshold.

[0179] In one embodiment, when the target feedback method is blockchain adjustment request feedback, the information determination module includes:

[0180] A first request sending unit, configured to send an adjustment request to a target blockchain; the target blockchain is a blockchain that pre-stores acquisition vouchers.

[0181] A first receiving unit, configured to receive the acquisition vouchers queried by the target blockchain according to the adjustment request.

[0182] A first feedback sending unit, configured to send the acquisition vouchers to the card organization, so that the target issuing bank can query and obtain the acquisition vouchers corresponding to the adjustment request from the card organization.

[0183] In one embodiment, when the target feedback method is manual adjustment request feedback, the information determination module includes:

[0184] A second request sending unit, configured to send an adjustment request to the merchant jurisdiction bank corresponding to the target merchant.

[0185] A second receiving unit, configured to receive the acquisition vouchers queried by the staff of the merchant jurisdiction bank according to the adjustment request.

[0186] A second feedback sending unit, configured to send the acquisition vouchers to the card organization, so that the target issuing bank can query and obtain the acquisition vouchers corresponding to the adjustment request from the card organization.

[0187] In one embodiment, when the target feedback method is card organization feedback, the information determination module includes:

[0188] A determination unit, configured to determine a prompt message indicating that the adjustment request is abnormal.

[0189] Send the prompt message to the card organization, so that the target issuing bank can query and obtain the prompt message corresponding to the adjustment request from the card organization.

[0190] Each module in the above feedback device for adjustment requests can be implemented in whole or in part by software, hardware, and their combination. The above modules can be embedded in or independent of the processor in the computer device in the form of hardware, or stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0191] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structural diagram may be as shown in Figure 7 . The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner. The wireless manner can be implemented through WIFI, a mobile cellular network, NFC (Near Field Communication), or other technologies. When the computer program is executed by the processor, it implements a method for feedback of a single adjustment request. The display screen of the computer device may be a liquid crystal display screen or an electronic ink display screen. The input device of the computer device may be a touch layer covering the display screen, or a button, a trackball, or a touchpad provided on the housing of the computer device, or an external keyboard, touchpad, or mouse, etc.

[0192] Those skilled in the art can understand that Figure 7 the structure shown in is only a block diagram of some structures related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine some components, or have different component arrangements.

[0193] In one embodiment, a computer device is provided, including a memory and a processor. A computer program is stored in the memory. When the processor executes the computer program, the following steps are implemented:

[0194] Receive a single adjustment request sent by a target issuing bank; wherein, the single adjustment request is determined by the target issuing bank according to the service requirements of the target user;

[0195] Use the target service information corresponding to the single adjustment request to determine a target feedback method corresponding to the single adjustment request; wherein, the feedback methods include card organization feedback, blockchain single adjustment feedback, and manual single adjustment feedback, and the target feedback method is one of the feedback methods;

[0196] Determine feedback information corresponding to the single adjustment request according to the target feedback method, so that the target issuing bank can obtain the feedback information.

[0197] A computer device provided by an embodiment of the present invention has the same beneficial effects as the above-mentioned method for feedback of a single adjustment request.

[0198] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0199] Receive a request for statement inquiry sent by a target issuing bank; wherein, the request for statement inquiry is determined by the target issuing bank according to the service requirements of the target user;

[0200] Use the target service information corresponding to the request for statement inquiry to determine a target feedback method corresponding to the request for statement inquiry; wherein, the feedback methods include card organization feedback, blockchain statement inquiry feedback, and manual statement inquiry feedback, and the target feedback method is one of the feedback methods;

[0201] Determine feedback information corresponding to the request for statement inquiry according to the target feedback method, so that the target issuing bank can obtain the feedback information.

[0202] The computer-readable storage medium provided by the embodiments of the present invention has the same beneficial effects as the above-mentioned method for feedback of a request for statement inquiry.

[0203] In one embodiment, a computer program product is provided, including a computer program. When the computer program is executed by a processor, the following steps are implemented:

[0204] Receive a request for statement inquiry sent by a target issuing bank; wherein, the request for statement inquiry is determined by the target issuing bank according to the service requirements of the target user;

[0205] Use the target service information corresponding to the request for statement inquiry to determine a target feedback method corresponding to the request for statement inquiry; wherein, the feedback methods include card organization feedback, blockchain statement inquiry feedback, and manual statement inquiry feedback, and the target feedback method is one of the feedback methods;

[0206] Determine feedback information corresponding to the request for statement inquiry according to the target feedback method, so that the target issuing bank can obtain the feedback information.

[0207] The computer program product provided by the embodiments of the present invention has the same beneficial effects as the above-mentioned method for feedback of a request for statement inquiry.

[0208] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0209] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above methods. Among them, any reference to a memory, database, or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memories. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The databases involved in the embodiments provided in the present application can include at least one of relational databases and non-relational databases. Non-relational databases can include distributed databases based on blockchain, etc., without limitation. The processors involved in the embodiments provided in the present application can be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, data processing logics based on quantum computing, etc., without limitation.

[0210] The technical features of the above embodiments can be combined arbitrarily. For the sake of concise description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as the scope recorded in this specification.

[0211] The above-described embodiments only represent several implementation manners of the present application. The description is relatively specific and detailed, but it should not be construed as a limitation on the patent scope of the present application. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can still be made, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the appended claims.

Claims

1. A method for feedback of a statement adjustment request, characterized in that, The method includes: Receiving a request for document retrieval sent by a target issuing bank; wherein, the request for document retrieval is determined by the target issuing bank according to the business requirements of a target user; Determining target business information corresponding to the request for document retrieval; wherein, the target business information includes target merchant information, target transaction information, target issuing bank information, and acquiring bank branch information; Determining the merchant type of the target merchant corresponding to the request for document retrieval according to the target merchant information; If the target merchant is a blacklisted merchant, determining that the target feedback method is card organization feedback; If the target merchant is not a blacklisted merchant and not a whitelisted merchant, determining that the target feedback method is manual document retrieval feedback; If the target merchant is a whitelisted merchant and the target transaction amount is greater than a first amount threshold, determining that the target feedback method is the card organization feedback; If the target merchant is a whitelisted merchant and the target transaction amount is less than the first amount threshold and greater than a second amount threshold, determining that the target feedback method is manual document retrieval feedback; If the target merchant is a whitelisted merchant and the target transaction amount is less than the second amount threshold, determining the bank type of the target issuing bank; If the target issuing bank is a blacklisted bank, determining that the target feedback method is the card organization feedback; If the target issuing bank is a whitelisted bank and the cumulative number of requests for document retrieval sent by the target issuing bank is greater than a first quantity threshold, determining that the target feedback method is the card organization feedback; If the target issuing bank is a whitelisted bank and the cumulative number of requests for document retrieval sent by the target issuing bank is less than the first quantity threshold and greater than a second quantity threshold, determining that the target feedback method is manual document retrieval feedback; If the target issuing bank is a whitelisted bank, the cumulative number of requests for document retrieval sent by the target issuing bank is less than the second quantity threshold, and the cumulative number of requests for document retrieval received by the target acquiring bank branch corresponding to the request for document retrieval is greater than a third quantity threshold, determining that the target feedback method is the card organization feedback; If the target issuing bank is a whitelisted bank, the cumulative number of requests for document retrieval sent by the target issuing bank is less than the second quantity threshold, and the cumulative number of requests for document retrieval received by the target acquiring bank branch corresponding to the request for document retrieval is less than a fourth quantity threshold, determining that the target feedback method is blockchain document retrieval feedback; If the target issuing bank is a whitelisted bank, the cumulative number of requests for document retrieval sent by the target issuing bank is less than the second quantity threshold, and the cumulative number of requests for document retrieval sent by the target issuing bank is less than the third quantity threshold and greater than the fourth quantity threshold, determining that the target feedback method is the manual document retrieval feedback; Determining feedback information corresponding to the request for document retrieval according to the target feedback method, so that the target issuing bank can obtain the feedback information.

2. The method according to claim 1, characterized in that, When the target feedback method is blockchain document retrieval feedback, the determining feedback information corresponding to the request for document retrieval according to the target feedback method, so that the target issuing bank can obtain the feedback information, includes: Send the adjustment request to the target blockchain; the target blockchain is a blockchain that pre-stores the acquisition vouchers. Receive the acquisition vouchers retrieved by the target blockchain according to the adjustment request. Send the acquisition vouchers to the card organization so that the target issuing bank can query and obtain the acquisition vouchers corresponding to the adjustment request from the card organization.

3. The method according to claim 1, characterized in that, When the target feedback method is manual adjustment feedback, determining the feedback information corresponding to the adjustment request according to the target feedback method so that the target issuing bank can obtain the feedback information includes: Send the adjustment request to the merchant jurisdiction bank corresponding to the target merchant. Receive the acquisition vouchers retrieved by the staff of the merchant jurisdiction bank according to the adjustment request. Send the acquisition vouchers to the card organization so that the target issuing bank can query and obtain the acquisition vouchers corresponding to the adjustment request from the card organization.

4. The method according to claim 1, characterized in that, When the target feedback method is card organization feedback, determining the feedback information corresponding to the adjustment request according to the target feedback method so that the target issuing bank can obtain the feedback information includes: Determine a prompt message indicating that the adjustment request is abnormal. Send the prompt message to the card organization so that the target issuing bank can query and obtain the prompt message corresponding to the adjustment request from the card organization.

5. A device for feedback of a statement adjustment request, characterized in that, The device includes: A receiving module, configured to receive an adjustment request sent by a target issuing bank; wherein, the adjustment request is determined by the target issuing bank according to the business requirements of a target user. A first determination sub-module, configured to determine target business information corresponding to the adjustment request; wherein, the target business information includes target merchant information, target transaction information, target issuing bank information, and acquiring bank branch information. A first determination unit, configured to determine the merchant type of the target merchant corresponding to the adjustment request according to the target merchant information. A second determination unit, configured to determine that the target feedback method is card organization feedback if the target merchant is a blacklist merchant. A third determination unit, configured to determine that the target feedback method is manual adjustment feedback if the target merchant is not a blacklist merchant and not a whitelist merchant. A fourth determination unit, configured to determine that the target feedback method is card organization feedback if the target merchant is a whitelist merchant and the target transaction amount is greater than a first amount threshold. A fifth determination unit, configured to determine that the target feedback method is manual adjustment feedback if the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold and greater than a second amount threshold. An information determination unit, configured to determine the target feedback method in combination with the issuing bank information of the target issuing bank if the target merchant is a whitelist merchant and the target transaction amount is less than the first amount threshold. A sixth determination unit, configured to determine the bank type of the target issuing bank if the target merchant is a whitelist merchant and the target transaction amount is less than the second amount threshold. A seventh determination unit, configured to determine that the target feedback method is card organization feedback if the target issuing bank is a blacklist bank. An eighth determination unit, configured to determine that the target feedback method is card organization feedback if the target issuing bank is a white list bank and the cumulative number of chargeback requests sent by the target issuing bank is greater than a first quantity threshold; A ninth determination unit, configured to determine that the target feedback method is manual chargeback feedback if the target issuing bank is a white list bank, the cumulative number of chargeback requests sent by the target issuing bank is less than the first quantity threshold and greater than a second quantity threshold; A tenth determination unit, configured to determine that the target feedback method is card organization feedback if the target issuing bank is a white list bank, the cumulative number of chargeback requests sent by the target issuing bank is less than the second quantity threshold, and the cumulative number of chargeback requests received by the target acquiring bank branch corresponding to the chargeback request is greater than a third quantity threshold; An eleventh determination unit, configured to determine that the target feedback method is blockchain chargeback feedback if the target issuing bank is a white list bank, the cumulative number of chargeback requests sent by the target issuing bank is less than the second quantity threshold, and the cumulative number of chargeback requests received by the target acquiring bank branch corresponding to the chargeback request is less than a fourth quantity threshold; A twelfth determination unit, configured to determine that the target feedback method is manual chargeback feedback if the target issuing bank is a white list bank, the cumulative number of chargeback requests sent by the target issuing bank is less than the second quantity threshold, and the cumulative number of chargeback requests sent by the target issuing bank is less than the third quantity threshold and greater than the fourth quantity threshold; 6. The device according to claim 5, wherein, When the target feedback method is blockchain chargeback feedback, the apparatus further includes: A first request sending unit, configured to send the chargeback request to a target blockchain; the target blockchain is a blockchain that pre-stores acquisition vouchers; A first receiving unit, configured to receive the acquisition voucher queried by the target blockchain according to the chargeback request; A first feedback sending unit, configured to send the acquisition voucher to the card organization, so that the target issuing bank can query and obtain the acquisition voucher corresponding to the chargeback request from the card organization.

7. The device according to claim 5, wherein, When the target feedback method is manual chargeback feedback, the apparatus further includes: A second request sending unit, configured to send the chargeback request to the merchant jurisdiction bank corresponding to the target merchant; A second receiving unit, configured to receive the acquisition voucher queried by the staff of the merchant jurisdiction bank according to the chargeback request; A second feedback sending unit, configured to send the acquisition voucher to the card organization, so that the target issuing bank can query and obtain the acquisition voucher corresponding to the chargeback request from the card organization.

8. The device according to claim 5, wherein, When the target feedback method is card organization feedback, the apparatus further includes: A determination unit, configured to determine a prompt message indicating that the chargeback request is abnormal; Send the prompt message to the card organization, so that the target issuing bank can query and obtain the prompt message corresponding to the chargeback request from the card organization.

9. A computer device, comprising a memory and a processor, the memory storing a computer program, wherein, When the processor executes the computer program, the steps of the method according to any one of claims 1 to 4 are implemented.

10. A computer-readable storage medium, having a computer program stored thereon, wherein, When the computer program is executed by the processor, the steps of the method according to any one of claims 1 to 4 are implemented.

11. A computer program product, comprising a computer program, wherein, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 4.

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