Repayment service processing method, device, equipment, system and medium

Abstract

The invention discloses a repayment service processing method, device, equipment, system and medium, and belongs to the field of electronic payment. The method comprises the steps that when repayment time arrives, a pre-authentication request is sent to a payment processing platform through a switching platform, and the pre-authentication request comprises a payment card identifier; a pre-authentication response fed back by the payment processing platform is received through the switching platform, the pre-authentication response comprises the payment card identifier and a repayment reference resource quantity, and the repayment reference resource quantity is smaller than or equal to the resource margin; based on the original resource quantity and the repayment reference resource quantity of the repayment service, determining a repayment actual resource quantity smaller than or equal to the repayment actual resource quantity, and generating a repayment application which comprises the payment card identifier and the repayment actual resource quantity; and sending a repayment application to the payment processing platform through the switching platform, so that the payment processing platform deducts resources from the payment card according to the actual repayment resource quantity. According to the embodiment of the invention, the failure rate of the repayment service can be reduced.

Description

Technical Field

[0001] The present application relates to the field of electronic payment, and in particular to a method, device, equipment, system and medium for processing a repayment business. Background Art

[0002] With the continuous development of network information technology, the combination of financial services and network information technology has improved the processing efficiency of financial services and brought convenience to users. For example, users can interact with merchants or other financial institutions' equipment through user terminals to realize installment payments or loan repayments. Users can confirm the installment payment or loan agreement in the application in the user terminal, fill in the business information, and complete the contract. Merchants or other financial institutions will initiate deduction transactions according to the repayment cycle and repayment amount agreed in the agreement to complete the repayment business of each repayment cycle.

[0003] However, in actual operations, there may be situations where the user's payment card balance is insufficient, which will lead to the failure of the repayment business, resulting in a high failure rate for the repayment business. Summary of the invention

[0004] The embodiments of the present application provide a method, device, equipment, system and medium for processing a repayment service, which can realize partial repayment and reduce the failure rate of the repayment service.

[0005] In a first aspect, an embodiment of the present application provides a method for processing a repayment business, which is applied to an acceptor device, the method comprising: when the repayment time of the repayment business is reached, sending a pre-authentication request to a payment processing platform through a switching platform, the pre-authentication request including a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; receiving a pre-authentication response fed back by the payment processing platform through the switching platform, the pre-authentication response including a payment card identifier and a repayment reference resource amount, the repayment reference resource amount is determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier, and the repayment reference resource amount is less than or equal to the resource balance; based on the original resource amount and the repayment reference resource amount of the repayment business, determining the actual repayment resource amount, and generating a repayment application, the repayment application including a payment card identifier and the actual repayment resource amount, and the actual repayment resource amount is less than or equal to the actual repayment resource amount; sending the repayment application to the payment processing platform through the switching platform, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount.

[0006] In a second aspect, an embodiment of the present application provides a method for processing a repayment business, which is applied to a switching platform. The method includes: when the repayment time of the repayment business is reached, forwarding the pre-authentication request sent by the acceptor device to the payment processing platform, the pre-authentication request includes a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; forwarding the pre-authentication response fed back by the payment processing platform to the acceptor device, the pre-authentication response includes a payment card identifier and a repayment reference resource amount, the repayment reference resource amount is determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier, and the repayment reference resource amount is less than or equal to the resource balance; forwarding the repayment application sent by the acceptor device to the payment processing platform, the repayment application includes a payment card identifier and an actual repayment resource amount, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount, the actual repayment resource amount is determined by the acceptor device based on the original resource amount and the repayment reference resource amount of the repayment business, and the actual repayment resource amount is less than or equal to the actual repayment resource amount.

[0007] In a third aspect, an embodiment of the present application provides a method for processing a repayment business, which is applied to a payment processing platform, the method comprising: when the repayment time of the repayment business is reached, receiving a pre-authentication request sent by an acceptor device through a switching platform, the pre-authentication request including a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; determining a repayment reference resource amount according to the resource balance of the payment card indicated by the payment card identifier, and feeding back a pre-authentication response to the acceptor device through the switching platform, the pre-authentication response including the payment card identifier and the repayment reference resource amount, and the repayment reference resource amount is less than or equal to the resource balance; receiving a repayment application sent by the acceptor device through the switching platform, the repayment application including the payment card identifier and the actual repayment resource amount, the actual repayment resource amount is determined by the acceptor device based on the original resource amount and the repayment reference resource amount of the repayment business, and the actual repayment resource amount is less than or equal to the actual repayment resource amount; deducting resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount.

[0008] In a fourth aspect, an embodiment of the present application provides a processing device for a repayment business, which is applied to an acceptor device. The processing device for the repayment business includes: a sending module, which is used to send a pre-authentication request to a payment processing platform through a switching platform when the repayment time of the repayment business is reached, the pre-authentication request includes a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; a receiving module, which is used to receive a pre-authentication response fed back by the payment processing platform through the switching platform, the pre-authentication response includes a payment card identifier and a repayment reference resource amount, the repayment reference resource amount is determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier, and the repayment reference resource amount is less than or equal to the resource balance; a processing module, which is used to determine the actual repayment resource amount based on the original resource amount and the repayment reference resource amount of the repayment business, and generate a repayment application, the repayment application includes a payment card identifier and the actual repayment resource amount, and the actual repayment resource amount is less than or equal to the actual repayment resource amount; the sending module is also used to send the repayment application to the payment processing platform through the switching platform, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount.

[0009] In a fifth aspect, an embodiment of the present application provides a processing device for a repayment business, which is applied to a switching platform. The processing device for the repayment business includes a receiving module and a sending module; the receiving module and the sending module are used to: when the repayment time of the repayment business is reached, forward the pre-authentication request sent by the acceptor device to the payment processing platform, the pre-authentication request includes a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; forward the pre-authentication response fed back by the payment processing platform to the acceptor device, the pre-authentication response includes a payment card identifier and a repayment reference resource amount, the repayment reference resource amount is determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier, and the repayment reference resource amount is less than or equal to the resource balance; forward the repayment application sent by the acceptor device to the payment processing platform, the repayment application includes a payment card identifier and an actual repayment resource amount, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount, the actual repayment resource amount is determined by the acceptor device based on the original resource amount and the repayment reference resource amount of the repayment business, and the actual repayment resource amount is less than or equal to the actual repayment resource amount.

[0010] In a sixth aspect, an embodiment of the present application provides a processing device for a repayment business, which is applied to a payment processing platform. The processing device for the repayment business includes: a receiving module, which is used to receive a pre-authentication request sent by an acceptor device through a switching platform when the repayment time of the repayment business is reached, the pre-authentication request includes a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; a processing module, which is used to determine a repayment reference resource amount according to the resource balance of the payment card indicated by the payment card identifier; a sending module, which is used to feed back a pre-authentication response to the acceptor device through the switching platform, the pre-authentication response includes a payment card identifier and a repayment reference resource amount, and the repayment reference resource amount is less than or equal to the resource balance; the receiving module is also used to receive a repayment application sent by the acceptor device through the switching platform, the repayment application includes a payment card identifier and an actual repayment resource amount, the actual repayment resource amount is determined by the acceptor device based on the original resource amount and the repayment reference resource amount of the repayment business, and the actual repayment resource amount is less than or equal to the actual repayment resource amount; an execution module, which is used to deduct resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount.

[0011] In the seventh aspect, an embodiment of the present application provides a recipient device, including: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the method for processing the repayment business of the first aspect is implemented.

[0012] In an eighth aspect, an embodiment of the present application provides an electronic device, comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the method for processing the repayment business of the second aspect or the method for processing the repayment business of the third aspect is implemented.

[0013] In the ninth aspect, an embodiment of the present application provides a repayment business processing system, including: an acceptance party device, used to execute the repayment business processing method of the first aspect; a transfer platform, which is communicated with the acceptance party device and is used to execute the repayment business processing method of the second aspect; a payment processing platform, which is communicated with the transfer platform and is used to execute the repayment business processing method of the third aspect.

[0014] In the tenth aspect, an embodiment of the present application provides a computer-readable storage medium, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the repayment business processing method of the first aspect, the repayment business processing method of the second aspect, or the repayment business processing method of the third aspect is implemented.

[0015] In the eleventh aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the repayment business processing method of the first aspect, the repayment business processing method of the second aspect, or the repayment business processing method of the third aspect.

[0016] The embodiments of the present application provide a method, apparatus, device, system and medium for processing a repayment business, which adds a pre-process of pre-authentication before initiating a repayment application. The acceptor device sends a pre-authentication request to the payment processing platform through a switching platform. The payment processing platform feeds back a pre-authentication response including a repayment reference resource amount that is less than or equal to the resource balance of the payment card based on the pre-authentication request, so that the acceptor device of the acceptor of the repayment business determines the actual repayment resource amount actually required to be deducted by the deduction action based on the original resource amount and the repayment reference resource amount that should be executed for this repayment business, and forwards the repayment application including the repayment actual resource amount to the payment processing platform through the switching platform, so that the payment processing platform can ensure the success of the repayment business when the resources in the payment card cannot meet the original resource amount, that is, it can achieve incomplete repayment, thereby reducing the failure rate of the repayment business. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0018] Figure 1 A schematic diagram of the architecture of a system for processing a repayment service provided in an embodiment of the present application;

[0019] Figure 2 A flowchart of a method for processing a repayment service provided in an embodiment of the present application;

[0020] Figure 3 A flowchart of a method for processing a repayment service provided in another embodiment of the present application;

[0021] Figure 4 A flowchart of a method for processing a repayment service provided in another embodiment of the present application;

[0022] Figure 5 A flowchart of an example of a processing flow of a repayment service provided in an embodiment of the present application;

[0023] Figure 6 A schematic diagram of the structure of a processing device for a repayment service provided in an embodiment of the present application;

[0024] Figure 7 A schematic diagram of the structure of a repayment service processing device provided in another embodiment of the present application;

[0025] Figure 8 A schematic diagram of the structure of a processing device for a repayment service provided in yet another embodiment of the present application;

[0026] Fig. 9A schematic diagram of the structure of a receiving party device provided in one embodiment of the present application. DETAILED DESCRIPTION

[0027] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended only to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by showing examples of the present application. It should be noted that the acquisition, storage, use, and processing of information and data in the embodiments of the present application are authorized by users or relevant agencies, in compliance with the relevant provisions of national laws and regulations.

[0028] With the continuous development of network information technology, the combination of financial services and network information technology has improved the processing efficiency of financial services and brought convenience to users. For example, users can interact with merchants or other financial institutions' equipment through user terminals to realize installment payments or loan repayments. Users can confirm the installment payment or loan agreement in the application in the user terminal, fill in the business information, and complete the contract. Merchants or other financial institutions will initiate deduction transactions according to the repayment cycle and repayment amount agreed in the agreement to complete the repayment business for each repayment cycle. However, in the actual operation process, there is a situation where the user's payment card balance is insufficient, which will cause the repayment business to fail, resulting in a high failure rate for the repayment business.

[0029] The present application provides a method, device, equipment, system, medium and program product for processing a repayment business, which adds a pre-authentication pre-process before the deduction action of the repayment business, determines the available resource amount in the payment card participating in the repayment business through the pre-authentication pre-process, and provides the available resource amount of the payment card to the acceptor of the repayment business, so that the acceptor of the repayment business determines the actual resource amount required to be deducted by the deduction action based on the original resource amount and the available resource amount that should be executed for this repayment business, so that even if the resources in the payment card cannot meet the original resource amount, the repayment business can be guaranteed to be successful, that is, it can realize incomplete repayment, reduce the failure rate of the repayment business, improve the acceptance rate of the repayment business, and also improve the resource recovery rate of the acceptor of the repayment business, and can also reduce the overdue rate of the user corresponding to the payment card in the repayment business.

[0030] The processing method, device, equipment, system, medium and program product of the repayment service provided by the present application can be applied to the scenario where the user makes installment payments or loan repayments, but is not limited thereto. For ease of understanding, the architecture of the processing system of the repayment service provided by the present application is briefly introduced here. Figure 1 A schematic diagram of the architecture of a repayment service processing system provided in an embodiment of the present application, such as Figure 1 As shown, the processing system of the repayment service may include an acceptor device 11 , a transfer platform 12 and a payment processing platform 13 .

[0031] The party to which the acceptor device 11 belongs can be regarded as the party that receives the payment in the repayment service. For example, the party to which the acceptor device 11 belongs can include but is not limited to merchants, acquiring institutions, legal lending institutions, etc. The repayment service can be initiated by the acceptor device 11. The party to which the acceptor device 11 belongs is different from the party to which the payment processing platform 13 belongs. Therefore, the acceptor device 11 needs to interact with the payment processing platform 13 through the switching platform 12 to implement the repayment service. The type of the acceptor device 11 is not limited here.

[0032] The transfer platform 12 is owned by a different party than the acceptor device 11 and the payment processing platform 13. The transfer platform 12 can serve as a transfer bridge between the acceptor device 11 and the payment processing platform 13, that is, the transfer platform 12 can communicate and interact with the acceptor device 11 and the payment processing platform 13, so that the acceptor device 11 can perform business with the payment processing platform 13. The types and quantity of devices in the transfer platform 12 are not limited here.

[0033] The party to which the payment processing platform 13 belongs can be regarded as the card manager of the payment card of the party making the payment in the repayment business. For example, the party to which the payment processing platform 13 belongs can include but is not limited to the issuing bank of the payment card. In the case where the accepting party device 11 initiates the repayment business, the payment processing platform 13 can execute the deduction action in the repayment business. In the embodiment of the present application, the payment processing platform 13 can also provide the accepting party device 11 with the amount of available resources in the payment card. The types and quantities of devices in the payment processing platform 13 are not limited here.

[0034] The following describes the processing method, device, equipment, system, medium and program product of the repayment service provided by this application.

[0035] A first aspect of the present application provides a method for processing a repayment service, which can be applied to a recipient device, that is, the method for processing the repayment service can be executed by the recipient device. Figure 2 A flowchart of a method for processing a repayment service provided in an embodiment of the present application is shown in FIG. Figure 2 As shown, the method for processing the repayment business may include steps S201 to S204.

[0036] In step S201, when the repayment time of the repayment service is reached, a pre-authentication request is sent to the payment processing platform through the switching platform.

[0037] The repayment service may have a repayment cycle, and a repayment is required in each repayment cycle. In each repayment cycle, if the repayment time is reached, the acceptor device will initiate the repayment process. The acceptor device may send a pre-authentication request to the transfer platform, and the transfer platform forwards the pre-authentication request to the payment processing platform. The pre-authentication request is a request to initiate the pre-authentication process. The pre-authentication process is a process of obtaining the amount of available resources in the payment card of the repayment service from the payment processing platform before the repayment application is initiated. The pre-authentication request may include but is not limited to information such as the payment card identifier. The payment card identifier can be used to identify the payment card. For example, the payment card identifier may include the payment card number, etc. The payment card identifier in the pre-authentication request is the payment card identifier of the payment card associated with the repayment service. When handling the repayment service, the user can sign the repayment service agreement through the application of the user terminal. During this process, the user terminal can obtain the user's payment card ID and user information such as mobile phone number, name, ID number, etc. based on the user's input. After completing the signing of the repayment service, the accepting party is allowed to automatically trigger the repayment service according to the repayment time specified in the agreement.

[0038] The payment processing platform is owned by a different party than the acceptor's device, and the repayment business is a cross-institution repayment business. For example, if the payment processing platform is owned by Bank A1, the acceptor's device is owned by Bank A2, and Bank A1 and Bank A2 are different banks, then the repayment business is a cross-bank repayment business, and the transfer platform is required to assist in completing the repayment business.

[0039] In some examples, when the switching platform receives a pre-authentication request, the switching platform may, according to the pre-authentication request, perform an authorization check on the payment card indicated by the payment card identifier in the pre-authentication request to determine whether the payment card has activated the processing function of the repayment service in the embodiment of the present application. The processing function of the transfer service in the embodiment of the present application includes the incomplete repayment function, and it can also be considered that the authorization check determines whether the payment card has activated the incomplete repayment function. The switching platform may query a pre-established payment card identifier set of payment cards that have activated the processing function of the repayment service in the embodiment of the present application, and the payment card identifier set may be implemented as a payment card identifier list or a payment card identifier database, which is not limited here; if the payment card identifier in the pre-authentication request is in the payment card identifier set, it can be determined that the payment card has activated the processing function of the repayment service in the embodiment of the present application, and the switching platform forwards the pre-authentication request to the payment processing platform; if the payment card identifier in the pre-authentication request is not in the payment card identifier set, it can be determined that the payment card has not activated the processing function of the repayment service in the embodiment of the present application, and the switching platform will not forward the pre-authentication request to the payment processing platform.

[0040] In step S202, the pre-authentication response fed back by the payment processing platform is received through the switching platform.

[0041] After receiving the pre-authentication request, the payment processing platform can determine the payment card indicated by the payment card identifier according to the payment card identifier in the pre-authentication request, and obtain the resource balance of the payment card. For example, if the payment card is a debit card, the balance of the debit card can be obtained, and the balance of the debit card is the resource balance of the debit card. The payment processing platform determines the repayment reference resource amount according to the resource balance of the payment card, that is, the repayment reference resource amount is determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier. The repayment reference resource amount is the repayment resource amount generated by the payment processing platform as a reference according to the resource balance of the payment card and the preset reference rules, and the repayment reference resource amount is less than or equal to the resource balance. The payment processing platform can generate a pre-authentication response, and the pre-authentication response includes the payment card identifier and the repayment reference resource amount. The payment processing platform sends the pre-authentication response to the transfer platform, and the transfer platform forwards the pre-authentication response to the acceptor device.

[0042] In some examples, the repayment reference resource amount may be a random amount that is less than or equal to the resource balance. The randomness of the repayment reference resource amount in the pre-authentication response can avoid leakage of sensitive information such as the resource balance of the payment card, thereby improving the security of the user's payment card's sensitive information while enabling partial repayment services or ordinary repayment services.

[0043] In step S203, based on the original resource amount of the repayment business and the reference resource amount for repayment, the actual resource amount for repayment is determined, and a repayment application is generated.

[0044] The original resource amount is the original repayment resource amount specified in the repayment service. The acceptor device can combine the original resource amount and the repayment resource amount, that is, the acceptor device can combine the resource amount that needs to be deducted in the repayment service and the resource amount that can be borne by the user's payment card to obtain the actual resource amount to be deducted from the payment card. The actual repayment resource amount is the resource amount actually deducted from the payment card in the repayment service, and the actual repayment resource amount is less than or equal to the actual repayment resource amount. In some examples, if the original resource amount is less than or equal to the repayment reference resource amount, the original resource amount is determined as the actual repayment resource amount, thereby ensuring that the repayment service can achieve full repayment; if the original resource amount is greater than the repayment reference resource amount, the repayment reference resource amount is determined as the actual repayment resource amount, thereby ensuring that the resource amount in the payment card is sufficient to complete the repayment service, achieve incomplete repayment, and improve the success rate of the repayment service.

[0045] The acceptor device generates a repayment application. The repayment application is used to request the payment processing platform to execute the deduction action. The repayment application includes the payment card ID and the actual amount of repayment resources.

[0046] In step S204, a repayment application is sent to the payment processing platform through the switching platform, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual amount of repayment resources.

[0047] The acceptor device sends a repayment application to the transfer platform, which forwards the repayment application to the payment processing platform. The payment processing platform can determine the payment card for repayment based on the payment card identifier in the repayment application, and deduct the actual amount of repayment resources from the payment card to complete the repayment business.

[0048] In the embodiment of the present application, a pre-authentication pre-process is added before initiating a repayment application. The acceptor device sends a pre-authentication request to the payment processing platform through the transfer platform. The payment processing platform feeds back a pre-authentication response including a repayment reference resource amount that is less than or equal to the resource balance of the payment card according to the pre-authentication request, so that the acceptor device of the repayment service acceptor determines the actual repayment resource amount actually required to be deducted by the deduction action according to the original resource amount and the repayment reference resource amount that should be executed for this repayment service, and forwards the repayment application including the repayment actual resource amount to the payment processing platform through the transfer platform, so that the payment processing platform can ensure the success of the repayment service when the resources in the payment card cannot meet the original resource amount, that is, it can realize incomplete repayment, thereby reducing the failure rate of the repayment service and improving the acceptance rate of the repayment service. Moreover, the realization of incomplete repayment enables the acceptor to recover resources as much as possible, thereby improving the resource recovery rate of the acceptor of the repayment service. For users, it can also reduce the overdue rate of user repayment business, especially when the user is overdue due to personal negligence and the amount of resources in the payment card is insufficient to support the deduction of the original amount of resources when the repayment time arrives. The repayment business processing method in the embodiment of the present application can reduce the overdue situation and the evaluation of the user's credit and other aspects will be more accurate.

[0049] In some embodiments, the repayment reference resource amount may be the difference between the resource balance and the first random resource amount generated by the payment processing platform, that is, the repayment reference resource amount may be obtained according to the following formula (1):

[0050] Repayment reference resource amount = resource surplus - first random resource amount (1)

[0051] The first random resource amount is a random amount, that is, the first random resource amount corresponding to different repayment transactions may be different. The resource balance of the payment card in different repayment transactions may be different, and the first random resource amount may be different. Correspondingly, the repayment reference resource amount in different repayment transactions may be different, that is, the repayment reference resource amount is random. The randomness of the repayment reference resource amount prevents the resource balance of the user's payment card from being leaked, thereby ensuring the security of sensitive information such as resource balance.

[0052] The generation rule of the first random resource amount may be set by the payment processing platform. In some examples, the first random resource amount is the sum of the retained resource amount and the second random resource amount, the retained resource amount is the product of the resource balance and the retention ratio, and the retention ratio is associated with the transaction behavior information of the user corresponding to the payment card indicated by the payment card identifier. The transaction behavior information of the user may characterize the transaction behavior of the user. For example, the transaction behavior information of the user may include but is not limited to the transaction frequency of the user, the average transaction resource amount of the user, the transaction success rate of the user, the credit rating of the user, etc. The payment processing platform may determine the retention ratio according to the transaction behavior information of the user. The retention ratio may include the ratio of resources remaining in the payment card after deduction. The payment processing platform calculates the product of the resource balance of the payment card and the retention ratio, and determines the product as the retained resource amount. In order to further improve the randomness of the first random resource amount, a second random resource amount may be set, the second random resource amount is the resource amount randomly generated by the payment processing platform, and the sum of the retained resource amount and the second random resource amount is determined as the first random resource amount. In some examples, in order to avoid the situation where the second random resource amount is too large, resulting in the repayment reference resource amount being too small, causing the repayment business acceptance rate to decrease, the second random resource amount may be in the range of -1 to 1. The first random resource amount may be obtained according to the following formula (2):

[0053] First random resource amount = resource margin × retention ratio + second random resource amount (2)

[0054] In some embodiments, the pre-authentication response also includes an authorization code, and the repayment application also includes an authorization code. The authorization code indicates that the payment card indicated by the payment card identifier is allowed to support repayment services in which the amount of repayment resources is greater than the resource surplus, that is, it indicates that this repayment service has been authorized for incomplete repayment. The authorization code can be allocated by the payment processing platform for the repayment service, and the authorization code corresponds to the repayment application one-to-one, that is, each repayment service has a corresponding authorization code. The payment processing platform transmits the authorization code to the acceptor device through the pre-authentication response, and the acceptor device can add the authorization code to the repayment application. The payment processing platform verifies the authorization code in the repayment application, and if the verification of the authorization code is successful, it can be determined that the repayment service corresponding to this repayment application has been authorized for incomplete repayment by the payment processing platform. If the verification of the authorization code is successful, the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual amount of repayment resources.

[0055] In some examples, the authorization code is time-sensitive, that is, the authorization code has an effective period. The authorization code is effective within the effective period and invalid outside the effective period. For example, the effective period may include a preset effective period. Correspondingly, if the payment processing platform receives a repayment application including an authorization code within the preset effective period, the authorization code in the repayment application is valid, and the payment processing platform performs the action of deducting resources; if the payment processing platform receives a repayment application including an authorization code outside the preset effective period, the authorization code in the repayment application has expired, and the payment processing platform will not perform the action of deducting resources. For another example, the effective period includes the time period from when the payment processing platform generates the authorization code to when the repayment business indicated by the repayment application corresponding to the authorization code is successfully executed. Correspondingly, if the repayment business indicated by the repayment application corresponding to the authorization code has not been successfully executed, the authorization code in the repayment application is valid, and the payment processing platform performs the action of deducting resources; if the repayment business indicated by the repayment application corresponding to the authorization code has been successfully executed, the authorization code in the repayment application is invalid, and the payment processing platform will not perform the action of deducting resources.

[0056] A second aspect of the present application provides a method for processing a repayment business, which is applied to a switching platform, that is, the method for processing the repayment business can be executed by the switching platform. Figure 3 A flowchart of a method for processing a repayment service provided in another embodiment of the present application is shown in FIG. Figure 3 As shown, the processing method of the repayment business may include steps S301 to S303.

[0057] In step S301, when the repayment time of the repayment service arrives, the pre-authentication request sent by the acceptor device is forwarded to the payment processing platform.

[0058] The pre-authentication request includes the payment card identifier. The payment processing platform is owned by a different party than the acquirer's device.

[0059] In step S302, the pre-authentication response fed back by the payment processing platform is forwarded to the acquirer's device.

[0060] The pre-authentication response includes the payment card identifier and the repayment reference resource amount. The repayment reference resource amount is determined by the payment processing platform based on the resource balance of the payment card indicated by the payment card identifier, and the repayment reference resource amount is less than or equal to the resource balance.

[0061] In step S303, the repayment application sent by the acceptor device is forwarded to the payment processing platform, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual amount of repayment resources.

[0062] The repayment application includes the payment card ID and the actual repayment resource amount. The actual repayment resource amount is determined by the acceptor's device based on the original resource amount of the repayment business and the repayment reference resource amount, and the actual repayment resource amount is less than or equal to the actual repayment resource amount.

[0063] In some embodiments, the repayment reference resource amount is the difference between the resource balance and the first random resource amount generated by the payment processing platform.

[0064] In some examples, the first random resource amount is the sum of the retained resource amount and the second random resource amount, the retained resource amount is the product of the resource margin and the retained ratio, and the retained ratio is associated with the transaction behavior information of the user corresponding to the payment card indicated by the payment card identifier.

[0065] In some embodiments, the pre-authentication response and the repayment application also include an authorization code, which indicates that the payment card indicated by the payment card identifier is allowed to support a repayment service where the repayment resource amount is greater than the resource surplus, and the authorization code corresponds to the repayment application one-to-one. When the authorization code in the repayment application is verified by the payment processing platform and the verification is passed, the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount.

[0066] In some embodiments, when the original resource amount is less than or equal to the repayment reference resource amount, the actual repayment resource amount is the original resource amount; when the original resource amount is greater than the repayment reference resource amount, the actual repayment resource amount is the repayment reference resource amount.

[0067] It should be noted that the processing method for the repayment business applied to the transfer platform corresponds to the processing method for the repayment business applied to the acceptance party device mentioned above. All implementation methods in the embodiments of the processing method for the repayment business applied to the acceptance party device mentioned above are applicable to the embodiments of the processing method for the repayment business applied to the transfer platform, and can also achieve the same technical effect. For details, please refer to the relevant instructions in the above embodiments, which will not be repeated here.

[0068] The third aspect of the present application provides a method for processing repayment business, which is applied to a payment processing platform, that is, the method for processing repayment business can be executed by the payment processing platform. Figure 4 A flowchart of a method for processing a repayment service provided in another embodiment of the present application is shown in FIG. Figure 4 As shown, the method for processing the repayment business may include steps S401 to S404.

[0069] In step S401, when the repayment time of the repayment service is reached, a pre-authentication request sent by the acceptor device is received through the switching platform.

[0070] The pre-authentication request includes the payment card identifier. The payment processing platform is owned by a different party than the acquirer's device.

[0071] In step S402, the reference resource amount for repayment is determined according to the resource balance of the payment card indicated by the payment card identifier, and a pre-authentication response is fed back to the acceptor device through the switching platform.

[0072] The pre-authentication response includes the payment card identifier and the repayment reference resource amount, and the repayment reference resource amount is less than or equal to the resource margin.

[0073] In step S403, the repayment application sent by the recipient device is received through the transfer platform.

[0074] The repayment application includes the payment card ID and the actual repayment resource amount. The actual repayment resource amount is determined by the acceptor's device based on the original resource amount of the repayment business and the repayment reference resource amount. The actual repayment resource amount is less than or equal to the actual repayment resource amount;

[0075] In step S404, resources are deducted from the payment card indicated by the payment card identifier according to the actual amount of resources for repayment.

[0076] In some embodiments, the above step S402 may be specifically refined as follows: generating a first random resource amount according to the resource margin; and determining the difference between the resource margin and the first random resource amount as the repayment reference resource amount.

[0077] In some examples, based on the resource margin, the step of generating a first random resource amount can be specifically refined as follows: determining a retention ratio based on user transaction behavior information corresponding to the payment card indicated by the payment card identifier; determining the product of the resource margin and the retention ratio as the retained resource amount; and determining the sum of the retained resource amount and the second random resource amount as the first random resource amount.

[0078] In some embodiments, the pre-authentication response and the repayment application both further include an authorization code. The authorization code indicates that the payment card indicated by the payment card identifier is allowed to support a repayment service where the repayment resource amount is greater than the resource surplus, and the authorization code corresponds to the repayment application one-to-one.

[0079] The above step S404 can be specifically broken down into: verifying the authorization code in the repayment application; if the verification is successful, deducting resources from the payment card indicated by the payment card identifier according to the actual amount of repayment resources.

[0080] In some embodiments, when the original resource amount is less than or equal to the repayment reference resource amount, the actual repayment resource amount is the original resource amount; when the original resource amount is greater than the repayment reference resource amount, the actual repayment resource amount is the repayment reference resource amount.

[0081] It should be noted that the processing method for the repayment business applied to the payment processing platform corresponds to the processing method for the repayment business applied to the accepting party device mentioned above, and all implementation methods in the embodiments of the processing method for the repayment business applied to the accepting party device mentioned above are applicable to the embodiments of the processing method for the repayment business applied to the payment processing platform, and can also achieve the same technical effect. For details, please refer to the relevant instructions in the above embodiments, which will not be repeated here.

[0082] For ease of understanding, the following uses an example to illustrate the process of the repayment business processing method from the perspective of the repayment business processing system. Figure 5 A flowchart of an example of the processing flow of the repayment business provided in the embodiment of the present application, such as Figure 5 As shown, the processing flow of the repayment business may include steps a1 to a9.

[0083] In step a1, the acceptor device sends a pre-authentication request to the switching platform, which includes information such as the payment card number.

[0084] In step a2, the switching platform forwards the pre-authentication request to the payment processing platform.

[0085] In step a3, the payment processing platform determines the balance in the payment card indicated by the payment card number, and determines a repayment reference amount based on the balance. The repayment reference amount is less than or equal to the balance.

[0086] In step a4, the payment processing platform sends a pre-authentication response to the switching platform, which includes the payment card number, the repayment reference amount and the authorization code.

[0087] In step a5, the switching platform forwards the pre-authentication response to the acceptor device.

[0088] In step a6, the acceptor device determines the actual repayment amount according to the original amount of the repayment business and the repayment reference amount. The actual repayment amount is less than or equal to the repayment reference amount.

[0089] In step a7, the acceptor device sends a repayment application to the transfer platform. The repayment application includes the payment card number, the actual repayment amount and the authorization code.

[0090] In step a8, the switching platform forwards the repayment application to the payment processing platform.

[0091] In step a9, the payment processing platform verifies the authorization code. If the verification is successful, the actual repayment amount is deducted from the payment card indicated by the payment card number.

[0092] The specific contents of the above steps a1 to a9 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0093] A fourth aspect of the present application provides a repayment service processing device, which is applied to a receiving party's equipment. Figure 6 A schematic diagram of the structure of a processing device for a repayment service provided in an embodiment of the present application, such as Figure 6 As shown, the processing device 500 for the repayment service may include a sending module 501 , a receiving module 502 and a processing module 503 .

[0094] The sending module 501 can be used to send a pre-authentication request to the payment processing platform through the switching platform when the repayment time of the repayment service is reached. The pre-authentication request includes a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device.

[0095] The receiving module 502 may be used to receive the pre-authentication response fed back by the payment processing platform through the switching platform. The pre-authentication response includes the payment card identifier and the repayment reference resource amount. The repayment reference resource amount is determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier. The repayment reference resource amount is less than or equal to the resource balance.

[0096] The processing module 503 can be used to determine the actual repayment resource amount based on the original resource amount and the repayment reference resource amount of the repayment business, and generate a repayment application. The repayment application includes a payment card identifier and the actual repayment resource amount, and the actual repayment resource amount is less than or equal to the actual repayment resource amount.

[0097] The sending module 501 can also be used to send a repayment application to the payment processing platform through the switching platform, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual amount of repayment resources.

[0098] In some embodiments, the repayment reference resource amount is the difference between the resource balance and the first random resource amount generated by the payment processing platform.

[0099] In some examples, the first random resource amount is the sum of the retained resource amount and the second random resource amount, the retained resource amount is the product of the resource margin and the retained ratio, and the retained ratio is associated with the transaction behavior information of the user corresponding to the payment card indicated by the payment card identifier.

[0100] In some embodiments, the pre-authentication response and the repayment application also include an authorization code, which indicates that the payment card indicated by the payment card identifier is allowed to support a repayment service where the repayment resource amount is greater than the resource surplus, and the authorization code corresponds to the repayment application one-to-one. When the authorization code in the repayment application is verified by the payment processing platform and the verification is passed, the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount.

[0101] In some embodiments, processing module 503 can be specifically used to: if the original resource amount is less than or equal to the repayment reference resource amount, then the original resource amount is determined as the actual repayment resource amount; if the original resource amount is greater than the repayment reference resource amount, then the repayment reference resource amount is determined as the actual repayment resource amount.

[0102] It should be noted that the processing device 500 for the repayment business is a device corresponding to the processing method for the repayment business in the above-mentioned first aspect embodiment. All implementation methods in the above-mentioned method embodiment are applicable to the embodiment of the device and can achieve the same technical effect. For details, please refer to the relevant descriptions in the above-mentioned embodiments, which will not be repeated here.

[0103] A fifth aspect of the present application provides a repayment service processing device, which is applied to a transfer platform. Figure 7 A schematic diagram of a structure of a processing device for a repayment service provided in another embodiment of the present application is shown in FIG. Figure 7 As shown, the processing device 600 for the repayment service may include a receiving module 601 and a sending module 602 .

[0104] The receiving module 601 and the sending module 602 can be used to: forward the pre-authentication request sent by the acceptor device to the payment processing platform when the repayment time of the repayment business is reached, the pre-authentication request includes the payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; forward the pre-authentication response fed back by the payment processing platform to the acceptor device, the pre-authentication response includes the payment card identifier and the repayment reference resource amount, the repayment reference resource amount is determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier, and the repayment reference resource amount is less than or equal to the resource balance; forward the repayment application sent by the acceptor device to the payment processing platform, the repayment application includes the payment card identifier and the actual repayment resource amount, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount, the actual repayment resource amount is determined by the acceptor device based on the original resource amount and the repayment reference resource amount of the repayment business, and the actual repayment resource amount is less than or equal to the actual repayment resource amount.

[0105] In some embodiments, the repayment reference resource amount is the difference between the resource balance and the first random resource amount generated by the payment processing platform.

[0106] In some examples, the first random resource amount is the sum of the retained resource amount and the second random resource amount, the retained resource amount is the product of the resource margin and the retained ratio, and the retained ratio is associated with the transaction behavior information of the user corresponding to the payment card indicated by the payment card identifier.

[0107] In some embodiments, the pre-authentication response and the repayment application also include an authorization code, which indicates that the payment card indicated by the payment card identifier is allowed to support a repayment service where the repayment resource amount is greater than the resource surplus, and the authorization code corresponds to the repayment application one-to-one. When the authorization code in the repayment application is verified by the payment processing platform and the verification is passed, the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount.

[0108] In some embodiments, when the original resource amount is less than or equal to the repayment reference resource amount, the actual repayment resource amount is the original resource amount; when the original resource amount is greater than the repayment reference resource amount, the actual repayment resource amount is the repayment reference resource amount.

[0109] It should be noted that the processing device 600 for the repayment business is a device corresponding to the processing method for the repayment business in the above-mentioned second aspect embodiment. All implementation methods in the above-mentioned method embodiment are applicable to the embodiment of the device and can achieve the same technical effect. For details, please refer to the relevant descriptions in the above-mentioned embodiments, which will not be repeated here.

[0110] A sixth aspect of the present application provides a repayment service processing device, which is applied to a payment processing platform. Figure 8 A schematic diagram of a structure of a repayment service processing device provided in another embodiment of the present application, such as Figure 8 As shown, the processing device 700 for the repayment business may include a receiving module 701 , a processing module 702 , a sending module 703 and an execution module 704 .

[0111] The receiving module 701 can be used to receive the pre-authentication request sent by the acceptor device through the switching platform when the repayment time of the repayment service is reached. The pre-authentication request includes the payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device.

[0112] The processing module 702 is used to determine a reference resource amount for repayment according to the resource balance of the payment card indicated by the payment card identifier.

[0113] The sending module 703 can be used to feed back a pre-authentication response to the acceptor device through the switching platform. The pre-authentication response includes a payment card identifier and a repayment reference resource amount, and the repayment reference resource amount is less than or equal to the resource margin.

[0114] The receiving module 701 can also be used to receive a repayment application sent by the acceptor device through the transfer platform. The repayment application includes a payment card identifier and an actual repayment resource amount, and the actual repayment resource amount is determined by the acceptor device based on the original resource amount of the repayment business and the repayment reference resource amount, and the actual repayment resource amount is less than or equal to the actual repayment resource amount.

[0115] The execution module 704 may be configured to deduct resources from the payment card indicated by the payment card identifier according to the actual amount of resources required for repayment.

[0116] In some embodiments, the processing module 702 may be used to: generate a first random resource amount according to the resource margin; and determine the difference between the resource margin and the first random resource amount as the repayment reference resource amount.

[0117] In some examples, processing module 702 can be specifically used to: determine the retention ratio based on the user transaction behavior information corresponding to the payment card indicated by the payment card identifier; determine the product of the resource balance and the retention ratio as the retained resource amount; and determine the sum of the retained resource amount and the second random resource amount as the first random resource amount.

[0118] In some embodiments, both the pre-authentication response and the repayment application further include an authorization code, which indicates that the payment card indicated by the payment card identifier is allowed to support a repayment service where the repayment resource amount is greater than the resource surplus, and the authorization code corresponds to the repayment application one-to-one. The execution module 704 can be specifically used to: verify the authorization code in the repayment application; if the verification is successful, deduct resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount.

[0119] In some embodiments, when the original resource amount is less than or equal to the repayment reference resource amount, the actual repayment resource amount is the original resource amount; when the original resource amount is greater than the repayment reference resource amount, the actual repayment resource amount is the repayment reference resource amount.

[0120] It should be noted that the processing device 700 for the repayment business is a device corresponding to the processing method for the repayment business in the above-mentioned third aspect embodiment. All implementation methods in the above-mentioned method embodiment are applicable to the embodiment of the device and can achieve the same technical effect. For details, please refer to the relevant descriptions in the above-mentioned embodiments, which will not be repeated here.

[0121] The seventh aspect of the present application also provides a receiving party device. Fig. 9 A schematic diagram of the structure of a receiving party device provided in an embodiment of the present application is shown in FIG. Fig. 9 As shown, acquirer device 800 includes a memory 801 , a processor 802 , and a computer program stored in the memory 801 and executable on the processor 802 .

[0122] In some examples, the processor 802 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0123] The memory 801 may include a read-only memory (ROM), a random access memory (RAM), a disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method for processing the repayment business in the embodiment of the first aspect of the present application.

[0124] The processor 802 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 801, so as to implement the processing method of the repayment business in the above-mentioned first aspect embodiment.

[0125] In some examples, the acquirer device 800 may also include a communication interface 803 and a bus 804. Fig. 9 As shown, the memory 801, the processor 802, and the communication interface 803 are connected via a bus 804 and communicate with each other.

[0126] The communication interface 803 is mainly used to realize the communication between the modules, devices, units and / or equipment in the embodiment of the present application. The communication interface 803 can also be used to access input devices and / or output devices.

[0127] The bus 804 includes hardware, software, or both, coupling the components of the acceptor device 800 to each other. By way of example and not limitation, the bus 804 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a Memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses or a combination of two or more of the above. Where appropriate, the bus 804 may include one or more buses. Although embodiments of the present application describe and illustrate a particular bus, the present application contemplates any suitable bus or interconnect.

[0128] An eighth aspect of the present application provides an electronic device, which may include a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0129] The memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method for processing repayment business in the second aspect embodiment of the present application or the method for processing repayment business in the third aspect embodiment.

[0130] The processor runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory, so as to implement the repayment service processing method in the above-mentioned second aspect embodiment or the repayment service processing method in the third aspect embodiment.

[0131] In some examples, the electronic device may also include a communication interface and a bus, and the memory, processor, and communication interface are connected through the bus to communicate with each other.

[0132] The connection between the memory, processor, communication interface, and bus in the electronic device and the specific implementation methods can be found in the relevant description in the embodiment of the recipient device of the seventh aspect above, and will not be repeated here.

[0133] The ninth aspect of the present application provides a repayment service processing system, which may include an acceptor device, a switching platform, and a payment processing platform. The acceptor device is used to execute the repayment service processing method in the above-mentioned first aspect embodiment. The switching platform is communicatively connected to the acceptor device, and is used to execute the repayment service processing method in the above-mentioned second aspect embodiment. The payment processing platform is communicatively connected to the switching platform, and is used to execute the repayment service processing method in the above-mentioned third aspect embodiment.

[0134] The specific contents of the above-mentioned acceptance party equipment, transfer platform, payment processing platform and repayment business processing method can be found in the relevant descriptions in the above-mentioned embodiments, which will not be repeated here.

[0135] The tenth aspect of the present application provides a computer-readable storage medium, on which a computer program instruction is stored. When the computer program instruction is executed by a processor, the processing method of the repayment business in the above embodiment can be implemented, and the same technical effect can be achieved. To avoid repetition, it will not be repeated here. Among them, the above-mentioned computer-readable storage medium may include a non-transitory computer-readable storage medium, such as a read-only memory (Read-Only Memory, referred to as ROM), a random access memory (Random Access Memory, referred to as RAM), a disk or an optical disk, etc., which is not limited here.

[0136] In the eleventh aspect of the present application, a computer program product is provided, which includes a computer program. When the computer program is executed by a processor, it implements the repayment business processing method of the first aspect embodiment, the repayment business processing method of the second aspect embodiment, or the repayment business processing method of the third aspect embodiment.

[0137] It should be clear that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. For device embodiments, equipment embodiments, system embodiments, computer-readable storage medium embodiments, and computer program product embodiments, the relevant parts can refer to the description part of the method embodiment. The present application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present application. In addition, for the sake of brevity, a detailed description of known method technologies is omitted here.

[0138] The above reference is according to the method of the embodiment of the present application, the flow chart of the device (system) and the computer program product and / or the block diagram described various aspects of the present application.It should be understood that each square box in the flow chart and / or the block diagram and the combination of each square box in the flow chart and / or the block diagram can be realized by computer program instructions.These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the realization of the function / action specified in one or more square boxes of the flow chart and / or the block diagram.Such a processor can be but is not limited to a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit.It can also be understood that each square box in the block diagram and / or the flow chart and the combination of the square boxes in the block diagram and / or the flow chart can also be realized by the dedicated hardware that performs the specified function or action, or can be realized by the combination of dedicated hardware and computer instructions.

[0139] Those skilled in the art should understand that the above embodiments are exemplary rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on the study of the drawings, the specification and the claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other devices or steps; the quantifier "one" does not exclude multiple; the terms "first" and "second" are used to indicate names rather than to indicate any specific order. Any figure marks in the claims should not be understood as limiting the scope of protection. The functions of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A method for processing a repayment service, characterized in that: Applied to the recipient's device, the method includes: When the repayment time of the repayment service is reached, a pre-authentication request is sent to the payment processing platform through the switching platform, wherein the pre-authentication request includes a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; receiving, through the switching platform, a pre-authentication response fed back by the payment processing platform, the pre-authentication response including the payment card identifier and a reference amount of repayment resources, the reference amount of repayment resources being determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier, and the reference amount of repayment resources being less than or equal to the resource balance; Based on the original resource amount of the repayment business and the reference resource amount of the repayment, determine the actual resource amount of the repayment, and generate a repayment application, wherein the repayment application includes the payment card identifier and the actual resource amount of the repayment, and the actual resource amount of the repayment is less than or equal to the actual resource amount of the repayment; A repayment application is sent to the payment processing platform through the switching platform, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual amount of repayment resources.

2. The method according to claim 1, characterized in that The repayment reference resource amount is the difference between the resource balance and the first random resource amount generated by the payment processing platform.

3. The method according to claim 2, characterized in that The first random resource amount is the sum of the retained resource amount and the second random resource amount, the retained resource amount is the product of the resource margin and the retained ratio, and the retained ratio is associated with the transaction behavior information of the user corresponding to the payment card indicated by the payment card identifier.

4. The method according to claim 1, characterized in that: The pre-authentication response and the repayment application both further include an authorization code, the authorization code indicating that the payment card indicated by the payment card identifier is allowed to support a repayment service with a repayment resource amount greater than the resource surplus, and the authorization code corresponds to the repayment application one-to-one; When the authorization code in the repayment application is verified by the payment processing platform and the verification is passed, the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual amount of resources for repayment.

5. The method according to claim 1, characterized in that The determining the actual amount of resources for repayment based on the original amount of resources for the repayment business and the reference amount of resources for repayment includes: If the original resource amount is less than or equal to the repayment reference resource amount, the original resource amount is determined as the repayment actual resource amount; If the original resource amount is greater than the repayment reference resource amount, the repayment reference resource amount is determined as the repayment actual resource amount.

6. A method for processing a repayment service, characterized in that: Applied to the transfer platform, the method comprises: When the repayment time of the repayment service is reached, forwarding the pre-authentication request sent by the acceptor device to the payment processing platform, the pre-authentication request includes the payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; Forwarding the pre-authentication response fed back by the payment processing platform to the acquirer device, wherein the pre-authentication response includes the payment card identifier and a reference amount of repayment resources, wherein the reference amount of repayment resources is determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier, and the reference amount of repayment resources is less than or equal to the resource balance; The repayment application sent by the acceptor device is forwarded to the payment processing platform, the repayment application includes the payment card identifier and the actual repayment resource amount, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount, the actual repayment resource amount is determined by the acceptor device based on the original resource amount of the repayment business and the repayment reference resource amount, and the actual repayment resource amount is less than or equal to the actual repayment resource amount.

7. The method according to claim 6, characterized in that The repayment reference resource amount is the difference between the resource balance and the first random resource amount generated by the payment processing platform.

8. The method according to claim 7, characterized in that The first random resource amount is the sum of the retained resource amount and the second random resource amount, the retained resource amount is the product of the resource margin and the retained ratio, and the retained ratio is associated with the transaction behavior information of the user corresponding to the payment card indicated by the payment card identifier.

9. The method according to claim 6, characterized in that The pre-authentication response and the repayment application both further include an authorization code, the authorization code indicating that the payment card indicated by the payment card identifier is allowed to support a repayment service with a repayment resource amount greater than the resource surplus, and the authorization code corresponds to the repayment application one-to-one; When the authorization code in the repayment application is verified by the payment processing platform and the verification is passed, the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual amount of resources for repayment.

10. The method according to claim 6, characterized in that In the case where the original resource amount is less than or equal to the repayment reference resource amount, the repayment actual resource amount is the original resource amount; In the case where the original resource amount is greater than the repayment reference resource amount, the actual repayment resource amount is the repayment reference resource amount.

11. A method for processing a repayment service, characterized in that: Applied to a payment processing platform, the method comprises: When the repayment time of the repayment service is reached, a pre-authentication request sent by the acceptor device is received through the switching platform, the pre-authentication request includes a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; Determine the repayment reference resource amount according to the resource balance of the payment card indicated by the payment card identifier, and feed back a pre-authentication response to the acquirer device through the switching platform, wherein the pre-authentication response includes the payment card identifier and the repayment reference resource amount, and the repayment reference resource amount is less than or equal to the resource balance; Receiving, through the switching platform, a repayment application sent by the acceptor device, the repayment application including the payment card identifier and the actual repayment resource amount, the actual repayment resource amount being determined by the acceptor device based on the original resource amount of the repayment business and the repayment reference resource amount, and the actual repayment resource amount being less than or equal to the actual repayment resource amount; Resources are deducted from the payment card indicated by the payment card identifier according to the actual amount of resources for repayment.

12. The method according to claim 11, characterized in that The determining of the repayment reference resource amount according to the resource balance of the payment card indicated by the payment card identifier comprises: Generate a first random resource amount according to the resource margin; The difference between the resource margin and the first random resource amount is determined as the repayment reference resource amount.

13. The method according to claim 12, characterized in that The step of generating a first random resource amount according to the resource margin includes: determining a retention ratio according to user transaction behavior information corresponding to the payment card indicated by the payment card identifier; Determine the product of the resource margin and the retention ratio as the retained resource amount; The sum of the reserved resource amount and the second random resource amount is determined as the first random resource amount.

14. The method according to claim 11, characterized in that The pre-authentication response and the repayment application both further include an authorization code, the authorization code indicating that the payment card indicated by the payment card identifier is allowed to support a repayment service with a repayment resource amount greater than the resource surplus, and the authorization code corresponds to the repayment application one-to-one; The deducting resources from the payment card indicated by the payment card identifier according to the actual amount of repayment resources includes: Verifying the authorization code in the repayment application; If the verification is successful, resources are deducted from the payment card indicated by the payment card identifier according to the actual amount of repayment resources.

15. The method according to claim 11, characterized in that In the case where the original resource amount is less than or equal to the repayment reference resource amount, the repayment actual resource amount is the original resource amount; In the case where the original resource amount is greater than the repayment reference resource amount, the actual repayment resource amount is the repayment reference resource amount.

16. A repayment service processing device, characterized in that: Applied to the acceptor's device, the repayment service processing device includes: A sending module, used for sending a pre-authentication request to a payment processing platform through a switching platform when the repayment time of the repayment service is reached, wherein the pre-authentication request includes a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; A receiving module, configured to receive a pre-authentication response fed back by the payment processing platform through the switching platform, wherein the pre-authentication response includes the payment card identifier and a reference amount of repayment resources, wherein the reference amount of repayment resources is determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier, and the reference amount of repayment resources is less than or equal to the resource balance; A processing module, configured to determine an actual amount of resources for repayment based on the original amount of resources of the repayment business and the reference amount of resources for repayment, and generate a repayment application, wherein the repayment application includes the payment card identifier and the actual amount of resources for repayment, and the actual amount of resources for repayment is less than or equal to the actual amount of resources for repayment; The sending module is also used to send a repayment application to the payment processing platform through the switching platform, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount.

17. A repayment service processing device, characterized in that: Applied to the switching platform, the repayment service processing device includes a receiving module and a sending module; The receiving module and the sending module are used to: When the repayment time of the repayment service is reached, forwarding the pre-authentication request sent by the acceptor device to the payment processing platform, the pre-authentication request includes the payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; Forwarding the pre-authentication response fed back by the payment processing platform to the acquirer device, wherein the pre-authentication response includes the payment card identifier and a reference amount of repayment resources, wherein the reference amount of repayment resources is determined by the payment processing platform according to the resource balance of the payment card indicated by the payment card identifier, and the reference amount of repayment resources is less than or equal to the resource balance; The repayment application sent by the acceptor device is forwarded to the payment processing platform, the repayment application includes the payment card identifier and the actual repayment resource amount, so that the payment processing platform deducts resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount, the actual repayment resource amount is determined by the acceptor device based on the original resource amount of the repayment business and the repayment reference resource amount, and the actual repayment resource amount is less than or equal to the actual repayment resource amount.

18. A repayment service processing device, characterized in that: Applied to a payment processing platform, the processing device for the repayment service includes: A receiving module, configured to receive, through a switching platform, a pre-authentication request sent by an acceptor device when a repayment time of a repayment service is reached, wherein the pre-authentication request includes a payment card identifier, and the owner of the payment processing platform is different from the owner of the acceptor device; A processing module, configured to determine a reference amount of resources for repayment according to the remaining amount of resources of the payment card indicated by the payment card identifier; A sending module, configured to feed back a pre-authentication response to the acquirer device through the switching platform, wherein the pre-authentication response includes the payment card identifier and the repayment reference resource amount, and the repayment reference resource amount is less than or equal to the resource margin; The receiving module is further used to receive a repayment application sent by the acceptor device through the switching platform, the repayment application including the payment card identifier and the actual repayment resource amount, the actual repayment resource amount is determined by the acceptor device based on the original resource amount of the repayment business and the repayment reference resource amount, and the actual repayment resource amount is less than or equal to the actual repayment resource amount; An execution module is used to deduct resources from the payment card indicated by the payment card identifier according to the actual repayment resource amount.

19. A receiving party device, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the repayment service processing method according to any one of claims 1 to 5 is implemented.

20. An electronic device, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, it implements the repayment service processing method as described in any one of claims 6 to 15.

21. A repayment service processing system, characterized in that: include: A receiver device, used to execute the repayment service processing method according to any one of claims 1 to 5; A switching platform, connected to the acceptor device in communication, and configured to execute the repayment service processing method according to any one of claims 6 to 10; A payment processing platform, which is in communication with the transfer platform, is used to execute the repayment service processing method as described in any one of claims 11 to 15.

22. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed by a processor, the method for processing the repayment business as described in any one of claims 1 to 15 is implemented.

23. A computer program product, characterized in that It includes a computer program, which, when executed by a processor, implements the repayment business processing method described in any one of claims 1 to 15.

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