Electronic cash business processing method, equipment, medium and product

Abstract

The embodiment of the invention discloses an electronic cash business processing method and device, a medium and a product, and the method comprises the steps: obtaining an electronic cash business initiated by an electronic cash card machine system, and determining a corresponding electronic cash business processing flow according to a transaction direction corresponding to the electronic cash business; according to the electronic cash business processing flow, a business execution script is generated based on the business information of the electronic cash business, and the business execution script is sent to an electronic cash card machine system, so that the electronic cash card machine system executes card writing operation corresponding to the electronic cash business according to the business execution script; and when the electronic cash business processing flow and the card writing operation are both successful, the electronic cash business is completed. According to the technical scheme provided by the embodiment of the invention, the problem that short accounts may occur in electronic cash business processing is solved, different business processes can be executed according to different businesses, it is ensured that the short accounts cannot occur, and the business processing efficiency is improved.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of computer technology, and in particular to an electronic cash business processing method, device, medium, and product. Background Art

[0002] Electronic cash refers to small-value payments made through debit applications. It's electronic cash, typically using an integrated circuit card (IC) as the medium. Due to the unique nature of IC card electronic cash, offline spending is required, with transaction information stored separately on the IC card chip and in the bank's back-end system. Current electronic cash transaction processing can lead to bank shortfalls, and the system's electronic cash processing capabilities need to be optimized. Summary of the Invention

[0003] The embodiments of the present invention provide an electronic cash business processing method, device, medium and product, which can execute different business processes according to different businesses, ensure that short accounts will not occur, and improve the efficiency of business processing.

[0004] In a first aspect, an embodiment of the present invention provides an electronic cash business processing method, the method comprising:

[0005] Obtain the electronic cash business initiated by the electronic cash card machine system, and determine the corresponding electronic cash business processing flow according to the corresponding transaction direction of the electronic cash business;

[0006] Generate a business execution script based on the business information of the electronic cash business according to the electronic cash business processing flow, and send the business execution script to the electronic cash card machine system so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script;

[0007] When the electronic cash business processing flow and the card writing operation are both successful, the electronic cash business is completed.

[0008] In a second aspect, an embodiment of the present invention provides an electronic cash business processing device, the device comprising:

[0009] A business process determination module is used to obtain the electronic cash business initiated by the electronic cash card machine system and determine the corresponding electronic cash business processing process according to the corresponding transaction direction of the electronic cash business;

[0010] A business processing module is used to generate a business execution script based on the business information of the electronic cash business according to the electronic cash business processing process, and send the business execution script to the electronic cash card machine system so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script;

[0011] The business processing confirmation module is used to complete the electronic cash business when the electronic cash business processing flow and the card writing operation are both successfully completed.

[0012] In a third aspect, an embodiment of the present invention further provides a computer device, comprising:

[0013] one or more processors;

[0014] a memory for storing one or more programs;

[0015] When the one or more programs are executed by one or more processors, the one or more processors implement the electronic cash business processing method provided by any embodiment of the present invention.

[0016] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the electronic cash business processing method provided by any embodiment of the present invention.

[0017] In a fifth aspect, an embodiment of the present invention further provides a computer program product, including a computer program, which, when executed by a processor, implements the electronic cash business processing method provided by any embodiment of the present invention.

[0018] The embodiments of the above invention have the following advantages or beneficial effects:

[0019] In an embodiment of the present invention, an electronic cash business initiated by an electronic cash card machine system is obtained, and a corresponding electronic cash business processing flow is determined based on the corresponding transaction direction of the electronic cash business. Based on the electronic cash business processing flow, a business execution script is generated based on the business information of the electronic cash business, and the business execution script is sent to the electronic cash card machine system, so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script. When both the electronic cash business processing flow and the card writing operation are successful, the electronic cash business is completed. The technical solution of the embodiment of the present invention solves the problem of short accounts in electronic cash business processing. Different business flows can be executed according to different businesses, ensuring that short accounts will not occur and improving business processing efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 This is a flow chart of an electronic cash business processing method provided by an embodiment of the present invention;

[0021] Figure 2A This is a flow chart of an electronic cash business processing method provided by an embodiment of the present invention;

[0022] Figure 2B This is a flow chart of a loading service process provided by an embodiment of the present invention;

[0023] Figure 3A This is a flow chart of an electronic cash business processing method provided by an embodiment of the present invention;

[0024] Figure 3B This is a flow chart of a circle-raising service processing provided by an embodiment of the present invention;

[0025] Figure 4 This is a schematic diagram of the structure of an electronic cash business processing device provided by an embodiment of the present invention;

[0026] Figure 5 It is a structural diagram of a computer device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0027] The present invention will be further described in detail below with reference to the accompanying drawings and examples. It will be understood that the specific embodiments described herein are intended only to illustrate the present invention and are not intended to limit the present invention. It should also be noted that, for ease of description, the accompanying drawings only illustrate portions relevant to the present invention, not all structures.

[0028] Figure 1 This is a flowchart of a method for processing electronic cash transactions, provided in an embodiment of the present invention. This embodiment is applicable to electronic cash transaction processing scenarios. This method can be executed by an electronic cash transaction processing device, which can be implemented using software and / or hardware and integrated into a computer device with application development capabilities.

[0029] like Figure 1 As shown, the electronic cash business processing method of this embodiment includes the following steps:

[0030] S110: Acquire the electronic cash business initiated by the electronic cash card machine system, and determine the corresponding electronic cash business processing flow according to the corresponding transaction direction of the electronic cash business.

[0031] Electronic cash card machines are devices used to process electronic cash card transactions. Common examples include ATMs, cash deposit and withdrawal machines, and self-service terminals. When an electronic cash card user uses their electronic cash card to conduct an electronic cash transaction at the electronic cash card machine system, the electronic cash card machine system initiates a service request to the electronic cash system to process the electronic cash transaction.

[0032] Electronic cash transactions typically involve two different directions: transferring a certain amount from an electronic cash card or depositing a certain amount into an electronic cash card. Different transaction directions require different electronic cash processing procedures to prevent shortfalls in the electronic cash system.

[0033] The electronic cash transaction process typically includes three steps: card writing, bookkeeping, and script writing. Card writing does not involve actually writing the amount onto the IC card; rather, it can be understood as generating a script based on transaction information. The actual writing step is performed by the electronic cash card machine system, which executes the script. Due to the unique nature of IC card media, the card writing step primarily serves as a backend record for the electronic cash system, representing the interaction between the electronic cash system and the IC card. The card writing script is generated based on transaction information. The bookkeeping step is the actual process of circulating customer assets, recording the electronic cash balance within the electronic cash system (in the event of an error, this does not represent the actual balance on the IC card). It also serves as the accounting function for the bank's internal accounting system. Script writing is the actual process of writing the current deposit or withdrawal results to the IC card chip.

[0034] Therefore, for electronic cash transactions involving transferring a certain amount into an electronic cash card, the primary processing flow is: bookkeeping, card writing, and script writing. This process involves first transferring funds from the customer's other accounts, then writing to the card and actually writing the funds onto the IC card. For electronic cash transactions involving transferring a certain amount out of an electronic cash card, the primary processing flow is: card writing, bookkeeping, and script writing. The electronic cash system creates a transaction flow table to record each electronic cash transaction (hereinafter referred to as the flow table). For each transaction direction, the flow table records data such as the current transaction type, transaction amount, transaction account identifier, and transaction status mask. The transaction status mask is a string of length N.

[0035] S120 . Generate a business execution script based on the business information of the electronic cash business according to the electronic cash business processing flow, and send the business execution script to the electronic cash card machine system so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script.

[0036] Depending on the transaction direction corresponding to different electronic cash businesses, accounting can be performed first; then, a business execution script is generated based on the business information to complete card writing; finally, the result of card writing, that is, the generated business execution script is sent to the electronic cash card machine system, so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script, corresponding to the script writing.

[0037] Depending on the transaction direction corresponding to different electronic cash services, it is also possible to first generate a business execution script based on the business information to complete the card writing; then send the result of the card writing, that is, the generated business execution script, to the electronic cash card machine system, so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script, corresponding to the script writing; finally, perform the accounting operation.

[0038] S130: When the electronic cash business processing flow and the card writing operation are both successful, the electronic cash business is completed.

[0039] When an operation fails in the electronic cash business processing flow or the card writing operation, corresponding account adjustment is performed based on the business information of the electronic cash business to make error adjustments.

[0040] It's understood that each operation step is recorded in the transaction flow. In this embodiment, the two flag bits in the associated transaction mask represent the script write status and the card write transaction execution status, respectively. The first bit of the transaction mask is designed to be 0: script not retrieved, 1: script retrieved, 2: script execution successful, and 3: script execution failed. The second bit of the mask, applicable only to electronic cash transactions involving outgoing transfers of a certain amount from an electronic cash card, is designed to be 0: accounting unsuccessful; 1: accounting successful.

[0041] The technical solution of this embodiment obtains an electronic cash transaction initiated by an electronic cash card machine system and determines the corresponding electronic cash transaction processing flow based on the corresponding transaction direction of the electronic cash transaction. Based on the electronic cash transaction processing flow, a business execution script is generated based on the business information of the electronic cash transaction and sent to the electronic cash card machine system, causing the electronic cash card machine system to execute the corresponding card write operation of the electronic cash transaction according to the business execution script. When both the electronic cash transaction processing flow and the card write operation are successful, the electronic cash transaction is completed. The technical solution of this embodiment of the present invention solves the problem of short accounts in electronic cash transaction processing. Different business processes can be executed according to different businesses, ensuring that short accounts do not occur and improving business processing efficiency.

[0042] Figure 2A This is a flowchart of a method for processing electronic cash transactions provided in an embodiment of the present invention. This embodiment, which shares the same inventive concept as the electronic cash transaction processing method described in the previous embodiment, further describes the processing process for a loaded electronic cash transaction. This method can be executed by an electronic cash transaction processing device, which can be implemented using software and / or hardware and integrated into a computer device with application development capabilities.

[0043] like Figure 2AAs shown, the electronic cash business processing method of this embodiment includes the following steps:

[0044] S210: Acquire the electronic cash business initiated by the electronic cash card machine system, and determine the corresponding electronic cash business processing flow according to the corresponding transaction direction of the electronic cash business.

[0045] The electronic cash card machine system provides a front-end system for electronic cash card users to interact with the back-end electronic cash system. When an electronic cash card user uses their electronic cash card to load funds on the electronic cash card machine system, the electronic cash card machine system initiates a load request to the electronic cash system, triggering the corresponding electronic cash transaction process.

[0046] Loading services refer to electronic cash card top-ups, including cash loading and transfer loading. Transfer loading includes both designated account loading and non-designated account loading. Designated account loading involves transferring funds from a linked debit account to electronic cash; non-designated account loading involves transferring funds from other card accounts to electronic cash. Loading transactions involve transferring a certain amount to an electronic cash card. The corresponding electronic cash processing flow involves bookkeeping, card writing, and script processing.

[0047] S220: Perform a credit accounting process based on the business information in the electronic cash business, and mark the transaction flow sheet corresponding to the electronic cash business as pending adjustment status.

[0048] For deposit transactions, the front-end triggered electronic cash processing process first executes an accounting transaction, primarily for principal accounting (internal accounting) to record accounts and transaction flows. First, relevant information such as the card and electronic cash account number is obtained from the electronic cash transaction, and the relevant transaction is checked. Then, the electronic cash transaction system registers the transaction, transferring funds from the customer's other bank accounts to the electronic cash account.

[0049] Regardless of whether a posting transaction is successful, the account ID field in the transaction flow will be marked as pending adjustment. If a transaction fails during posting, for example, due to a database error or business verification failure, no further processing is required because no actual account changes have occurred, and the record of the failed posting will remain.

[0050] S230: Generate a business execution script on the electronic cash card side corresponding to the loading business based on the business information of the electronic cash business, and send the business execution script to the electronic cash card machine system, so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script.

[0051] The electronic cash card's business execution script is generated by applying certain encryption and conversion rules to the user's electronic cash account basic information (card number, key), transaction amount, pre-transaction amount, and other data. If the transaction is successful during the bookkeeping phase, the generated business execution script is sent to the electronic cash card machine system, which then executes the corresponding card write operation according to the business execution script.

[0052] The electronic cash card machine executes the acquired business execution script and writes the transferred amount into the electronic cash card.

[0053] S240. Receive the execution result of the business execution script executed by the electronic cash card machine system; when the execution result is successful, update the pending account adjustment status to a completed status; or, when the execution result is failed, generate an account adjustment processing task corresponding to the electronic cash business.

[0054] After the electronic cash card machine system executes the business execution script, it will feed back the execution result to the electronic cash system.

[0055] The electronic cash system receives the execution results of the business execution script executed by the electronic cash card machine system, confirms the results of the machine card writing step, and modifies the transaction flow generated in the accounting link, that is, the corresponding card writing step.

[0056] During the card writing process, the script used in the machine writing process undergoes a second verification to verify that the card writing transaction is indeed the transaction generated during the previous accounting process. The card writing transaction will also undergo relevant verification of the transaction flow generated during the accounting transaction, as well as some business-level verification of the card writing transaction itself (transaction amount, card status, etc.). The card writing transaction will record its own transaction flow to indicate the success of the previous script writing step. The transaction flow generated during the accounting transaction will be modified based on the write result. If the card writing is successful, the pending adjustment status in the accounting transaction flow will be changed to completed, marking the completion of the entire deposit transaction. If the card writing transaction fails, it means that the balance on the physical electronic cash card has not changed, and subsequent error adjustment will be required.

[0057] In a specific deposit processing process, the deposit process can be referred to Figure 2B .

[0058] Specifically, in Figure 2BIn this process, the front desk (electronic cash card machine system) initiates the transfer process, calling the accounting program (internal accounting system, corresponding to the electronic cash system) to perform the accounting. If the accounting transaction is successful, the transaction flow is marked as pending adjustment. A card writing script is then generated and sent to the electronic cash machine system, which then executes the script. If the machine fails to write the card, an adjustment can be performed later. If the machine succeeds, the electronic cash system's card writing transaction program is executed to perform the card writing operation. If the card writing transaction fails, an adjustment is performed. After the card writing transaction is completed, the accounting transaction flow is modified to a completed state.

[0059] In addition, when an accounting transaction fails, it is also necessary to mark the account to be adjusted in the transaction flow. At this time, the transaction failed but the amount did not actually change.

[0060] The technical solution of this embodiment obtains the electronic cash business initiated by the electronic cash card machine system, determines the corresponding electronic cash business processing flow according to the corresponding transaction direction of the electronic cash business; performs a credit-collection accounting process based on the business information in the electronic cash business, and marks the transaction flow table corresponding to the electronic cash business as a pending adjustment state; generates a business execution script on the electronic cash card side corresponding to the credit-collection business based on the business information of the electronic cash business, and sends the business execution script to the electronic cash card machine system so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script; receives the execution result of the business execution script executed by the electronic cash card machine system; when the execution result is successful, updates the pending adjustment state to a completed state; or, when the execution result is failed, generates an adjustment processing task corresponding to the electronic cash business. The technical solution of the embodiment of the present invention solves the problem that short accounts may occur in electronic cash business processing. In the credit-collection business, accounting can be performed first and then the script is generated and the card is written, ensuring that short accounts will not occur and improving the efficiency of business processing.

[0061] Figure 3A This is a flowchart of a method for processing electronic cash transactions according to an embodiment of the present invention. This embodiment shares the same inventive concept as the electronic cash transaction processing method described in the previous embodiment and further describes the processing process for electronic cash transactions involving a withdrawal. This method can be executed by an electronic cash transaction processing device, which can be implemented using software and / or hardware and integrated into a computer device with application development capabilities.

[0062] like Figure 3A As shown, the electronic cash business processing method of this embodiment includes the following steps:

[0063] S310: Obtain the electronic cash business initiated by the electronic cash card machine system, and determine the corresponding electronic cash business processing flow according to the corresponding transaction direction of the electronic cash business.

[0064] The electronic cash card machine system provides a front-end system for electronic cash card users to interact with the back-end electronic cash system. When an electronic cash card user uses their electronic cash card to process a withdrawal request at the electronic cash card machine system, the electronic cash card machine system initiates a request to the electronic cash system to process the electronic cash transaction, triggering the corresponding electronic cash transaction process.

[0065] A "circular withdrawal" service refers to the process of transferring a specific amount of money from an electronic cash card, including transferring the balance on an electronic cash card to the primary account of a linked debit card. The transaction direction of a "circular withdrawal" service is to transfer a specific amount of money from an electronic cash card. The corresponding electronic cash service processing flow involves card writing, accounting, and script processing.

[0066] S320: Generate a business execution script on the electronic cash card side corresponding to the withdrawal business based on the business information of the electronic cash business, and send the business execution script to the electronic cash card machine system so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script.

[0067] For withdrawal transactions, the electronic cash processing flow triggered by the front desk first executes a card write transaction. This card write transaction performs basic verification based on the transaction amount, transaction account, and other information passed in by the front desk. Based on this information, the encryption program is called to generate the script required for subsequent card write operations.

[0068] Regardless of whether a card write transaction is successful, a pending adjustment record will be recorded in the transaction flow table. If a card write transaction fails (due to verification failure, database error, script generation failure, etc.), no subsequent processing is required because no actual account movement has occurred. If a card write transaction is successful, a business execution script for the electronic cash card corresponding to the withdrawal service will be generated based on the business information of the electronic cash service. This business execution script will be sent to the electronic cash card machine system, which will then execute the corresponding card write operation according to the business execution script.

[0069] S330: Receive the execution result of the business execution script executed by the electronic cash card machine system. When the execution result is successful, perform the withdrawal accounting process according to the business information in the electronic cash business.

[0070] After the electronic cash card machine system executes the business execution script, it will feed back the execution result to the electronic cash system.

[0071] The electronic cash card machine system interacts with the writing script returned by the card writing transaction and the IC card writing machine, and attempts to write the amount after the withdrawal into the card. If the execution result is that the machine fails to write the card, then for the electronic cash system, because the previous card writing transaction was successful, but the script writing failed and failed to enter the subsequent accounting link, the actual electronic cash card balance and the electronic cash system balance have not changed, so there is no need to handle this error. If the execution result is that the machine writes the card successfully, the withdrawal accounting transaction of the electronic cash system will be called. The cases where the execution result of the business execution script of the electronic cash card machine system fails include any of the following situations: the verification of the electronic cash business fails; or the database corresponding to the electronic cash business is abnormal; or; the business execution script fails to generate.

[0072] When the withdrawal accounting process fails, an account adjustment task corresponding to the electronic cash business is generated and the account adjustment process is performed subsequently.

[0073] In a specific circle business process, the processing flow can refer to Figure 3B . Specifically, in the card writing transaction, the flow of the card writing transaction will be confirmed to determine whether the card writing transaction is successful, and business verification (account information, customer information, etc.) will be performed. After the verification is passed, the corresponding transaction amount will be registered in the internal accounting system, that is, the step of withdrawing the electronic cash balance back to the user's other bank accounts in the accounting dimension is completed. In the accounting transaction, the pending account status in the card writing transaction flow will be modified to the completed status, marking the completion of the entire circle withdrawal transaction process. If the accounting transaction generates a transaction failure (database error, verification error, etc.), an accounting error will occur, and subsequent error adjustment will be required.

[0074] The technical solution of this embodiment is to obtain the electronic cash business initiated by the electronic cash card machine system, determine the corresponding electronic cash business processing flow according to the corresponding transaction direction of the electronic cash business; generate the business execution script on the electronic cash card side corresponding to the circle withdrawal business based on the business information of the electronic cash business, and send the business execution script to the electronic cash card machine system, so that the electronic cash card machine system performs the card writing operation corresponding to the electronic cash business according to the business execution script; receive the execution result of the electronic cash card machine system executing the business execution script, and when the execution result is successful, perform circle withdrawal accounting processing according to the business information in the electronic cash business. The technical solution of the embodiment of the present invention solves the problem that short accounts may occur in the processing of electronic cash business. In the circle withdrawal business, the card generation script can be written first and the script can be executed to write the card, and then the accounting can be performed to ensure that short accounts will not occur and improve the efficiency of business processing.

[0075] The technical solutions in the above-mentioned embodiments design corresponding operation sequences for different electronic cash transaction directions. Therefore, regardless of the situation, the scenario of one party being shortchanged is avoided. Therefore, error adjustment processing only needs to address the shortfall of the other party. The transaction details of the party experiencing the shortfall can be determined based on the IC electronic cash card chip transaction details, the electronic cash system transaction details, and the transaction details of other accounts associated with the IC electronic cash card.

[0076] For a transfer, based on the mask and transaction type in the electronic cash transaction flow, the current transaction is determined to be a transfer. If the transfer is successfully recorded but the card write fails, the balance in other accounts associated with the IC electronic cash card will decrease, but the balance on the IC card will not increase. After verifying the transaction flow during the error adjustment process, the account balance in the electronic cash system is transferred to the other bank account associated with the IC electronic cash card based on the transaction amount in the original flow, ensuring the financial security of the IC electronic cash card user.

[0077] For circle withdrawals, the mask and transaction type in the electronic cash transaction flow are also used to determine whether the current transaction is a circle withdrawal. In this case, the circle withdrawal is successful, but the card writing fails. This means that the actual balance in the IC card account decreases, but the balance in the transferred account does not increase. Similar to the circle deposit process, after verifying the relevant information, the balance in the electronic cash account is transferred to another bank account associated with the IC electronic cash card, preventing IC electronic cash card users from being short-changed.

[0078] In the above-described embodiment, the specific transactions in the electronic cash deposit and withdrawal scenarios are split into three processing steps: card writing, script processing, and accounting. This reduces the coupling within the electronic cash business system and improves system maintainability. For example, if the card writing process fails during a withdrawal, subsequent operations are unnecessary. This not only improves system efficiency, but also prevents errors from being propagated to other modules in the electronic cash system and clarifies the responsibilities and boundaries of each module. Furthermore, due to the unpredictability of IC card writing by front-end equipment, the card writing and accounting steps are separated. For the electronic cash business system, the interaction between the system and the IC card and internal accounting processing are respectively handled. Furthermore, by separating the steps related to the back-end interaction before the deposit and withdrawal process, the relevant operation steps are orchestrated according to different scenarios, ensuring that the bank will not be short-changed, reducing the operational difficulty of accounting risks and reducing the risk to the bank's funds. Transaction flow-related flags designed into the electronic cash business system also record the success or failure of different operation steps. These flags and masks can then be used to perform error correction for errors that occur during the deposit and withdrawal process.

[0079] Figure 4This is a schematic diagram of the structure of an electronic cash business processing device provided in an embodiment of the present invention. This embodiment is applicable to electronic cash business processing scenarios. The electronic cash business processing device can be implemented in software and / or hardware and integrated into a computer terminal device with application development capabilities.

[0080] like Figure 4 As shown, the electronic cash business processing device includes: a business process determination module 410, a business processing module 420 and a business processing confirmation module 430.

[0081] Among them, the business process determination module 410 is used to obtain the electronic cash business initiated by the electronic cash card machine system, and determine the corresponding electronic cash business processing process according to the corresponding transaction direction of the electronic cash business; the business processing module 420 is used to generate a business execution script based on the business information of the electronic cash business according to the electronic cash business processing process, and send the business execution script to the electronic cash card machine system, so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script; the business processing confirmation module 430 is used to complete the electronic cash business when the electronic cash business processing process and the card writing operation are both successfully operated.

[0082] The technical solution of this embodiment obtains an electronic cash transaction initiated by an electronic cash card machine system and determines the corresponding electronic cash transaction processing flow based on the corresponding transaction direction of the electronic cash transaction. Based on the electronic cash transaction processing flow, a business execution script is generated based on the business information of the electronic cash transaction and sent to the electronic cash card machine system, causing the electronic cash card machine system to execute the corresponding card writing operation of the electronic cash transaction according to the business execution script. When both the electronic cash transaction processing flow and the card writing operation are successful, the electronic cash transaction is completed. The technical solution of this embodiment of the present invention solves the problem of short accounts in electronic cash transaction processing. Different business processes can be executed according to different businesses, ensuring that short accounts do not occur and improving business processing efficiency.

[0083] In an optional embodiment, the electronic cash service is a loading service, and the transaction direction is to deposit a preset amount into the electronic cash card. Accordingly, the service processing module 420 is specifically configured to:

[0084] Based on the business information in the electronic cash business, the account is recorded and the transaction flow sheet corresponding to the electronic cash business is marked as pending adjustment status;

[0085] A business execution script on the electronic cash card side corresponding to the loading business is generated based on the business information of the electronic cash business, and the business execution script is sent to the electronic cash card machine system.

[0086] In an optional implementation, the service processing module 420 may also be configured to:

[0087] Receive the execution result of the business execution script executed by the electronic cash card machine system;

[0088] When the execution result is successful, the pending account adjustment status is updated to the completed status; or,

[0089] When the execution result is failure, an account adjustment processing task corresponding to the electronic cash business is generated.

[0090] In an optional embodiment, the electronic cash service is a withdrawal service, and the transaction direction is to transfer a preset amount from the electronic cash card. Accordingly, the service processing module 420 is specifically configured to:

[0091] Generate a business execution script on the electronic cash card side corresponding to the circle withdrawal business based on the business information of the electronic cash business, and send the business execution script to the electronic cash card machine system;

[0092] Receive the execution result of the business execution script executed by the electronic cash card machine system. When the execution result is successful, perform circle withdrawal accounting processing based on the business information in the electronic cash business.

[0093] In an optional implementation, the service processing module 420 may also be configured to:

[0094] When the withdrawal accounting process fails, an account adjustment task corresponding to the electronic cash business is generated.

[0095] In an optional implementation, the business processing confirmation module 430 may also be used to:

[0096] When an operation fails in the electronic cash business processing flow or the card writing operation, the corresponding account adjustment process is performed based on the business information of the electronic cash business.

[0097] In an optional embodiment, the case where the execution result is failure includes any one of the following cases:

[0098] The verification of the electronic cash business failed; or the database corresponding to the electronic cash business is abnormal; or the business execution script generation failed.

[0099] The electronic cash business processing device provided in the embodiment of the present invention can execute the electronic cash business processing method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0100] Figure 5 A schematic structural diagram of a computer device provided in an embodiment of the present invention. Figure 5A block diagram of an exemplary computer device 12 suitable for use in implementing embodiments of the present invention is shown. Figure 5 The computer device 12 shown is only an example and should not limit the functionality and scope of use of the embodiments of the present invention. The computer device 12 can be any terminal device with computing capabilities, such as an intelligent controller, a server, a mobile phone, or other terminal devices.

[0101] like Figure 5 As shown, computer device 12 is implemented as a general-purpose computing device. Components of computer device 12 may include, but are not limited to, one or more processors or processing units 16, system memory 28, and a bus 18 that connects various system components (including system memory 28 and processing unit 16).

[0102] Bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, or a local bus using any of a variety of bus architectures. Examples of these architectures include, but are not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MAC) bus, an Enhanced ISA bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

[0103] The computer device 12 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the computer device 12, including volatile and non-volatile media, removable and non-removable media.

[0104] System memory 28 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache 32. Computer device 12 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, storage system 34 may be configured to read and write non-removable, non-volatile magnetic media ( Figure 5 Not shown, often called a "hard drive"). Although Figure 5 Not shown, a magnetic disk drive for reading and writing to a removable non-volatile magnetic disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 18 via one or more data media interfaces. System memory 28 may include at least one program product having a set (e.g., at least one) of program modules configured to perform the functions of various embodiments of the present invention.

[0105] A program / utility 40 having a set (at least one) of program modules 42 may be stored, for example, in system memory 28. Such program modules 42 include, but are not limited to, an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may include an implementation of a network environment. Program modules 42 generally perform the functions and / or methods of the embodiments described herein.

[0106] The computer device 12 may also communicate with one or more external devices 14 (e.g., a keyboard, a pointing device, a display 24, etc.), one or more devices that enable a user to interact with the computer device 12, and / or any device that enables the computer device 12 to communicate with one or more other computing devices (e.g., a network card, a modem, etc.). Such communication may be performed via an input / output (I / O) interface 22. Furthermore, the computer device 12 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) via a network adapter 20. As shown, the network adapter 20 communicates with the other modules of the computer device 12 via the bus 18. It should be understood that although Figure 5 Not shown, other hardware and / or software modules may be used in conjunction with the computer device 12, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RFID systems, tape drives, and data backup storage systems.

[0107] The processing unit 16 executes various functional applications and data processing by running programs stored in the system memory 28, such as implementing the electronic cash business processing method provided in the embodiment of the present invention, which includes:

[0108] Obtain the electronic cash business initiated by the electronic cash card machine system, and determine the corresponding electronic cash business processing flow according to the corresponding transaction direction of the electronic cash business;

[0109] Generate a business execution script based on the business information of the electronic cash business according to the electronic cash business processing flow, and send the business execution script to the electronic cash card machine system so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script;

[0110] When the electronic cash business processing flow and the card writing operation are both successful, the electronic cash business is completed.

[0111] An embodiment of the present invention further provides a computer-readable storage medium having a computer program stored thereon. When the program is executed by a processor, the electronic cash business processing method provided in any embodiment of the present invention is implemented. The method includes:

[0112] Obtain the electronic cash business initiated by the electronic cash card machine system, and determine the corresponding electronic cash business processing flow according to the corresponding transaction direction of the electronic cash business;

[0113] Generate a business execution script based on the business information of the electronic cash business according to the electronic cash business processing flow, and send the business execution script to the electronic cash card machine system so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script;

[0114] When the electronic cash business processing flow and the card writing operation are both successful, the electronic cash business is completed.

[0115] The computer storage medium of the embodiment of the present invention can adopt any combination of one or more computer-readable media. The computer-readable medium can be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to: an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or component, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this document, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device.

[0116] A computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, which carries computer-readable program code. Such propagated data signals may take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0117] Program code embodied on a computer-readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0118] Computer program code for performing the operations of the present invention can be written in one or more programming languages, or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, Python, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving a remote computer, the remote computer can be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0119] An embodiment of the present invention further provides a computer program product, including a computer program, which, when executed by a processor, implements the electronic cash business processing method provided in any embodiment of the present application.

[0120] The computer program product, during implementation, may be written in one or more programming languages, or a combination thereof, for performing the operations of the present invention. The programming languages ​​include object-oriented programming languages ​​such as Java, Smalltalk, Python, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a stand-alone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer via any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0121] Those skilled in the art will appreciate that the modules or steps of the present invention described above can be implemented using a general-purpose computing device. They can be centralized on a single computing device or distributed across a network of multiple computing devices. Alternatively, they can be implemented using program code executable by a computer device, which can then be stored in a storage device and executed by the computing device. Alternatively, they can be fabricated into separate integrated circuit modules, or multiple modules or steps can be fabricated into a single integrated circuit module. Thus, the present invention is not limited to any specific combination of hardware and software.

[0122] Note that the above are only preferred embodiments of the present invention and the technical principles employed. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments, and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in detail through the above embodiments, the present invention is not limited to the above embodiments and may include many other equivalent embodiments without departing from the concept of the present invention. The scope of the present invention is determined by the scope of the appended claims.

Claims

1. An electronic cash business processing method, characterized in that: include: Acquire an electronic cash business initiated by an electronic cash card machine system, and determine a corresponding electronic cash business processing flow according to a corresponding transaction direction of the electronic cash business; generating a business execution script based on the business information of the electronic cash business according to the electronic cash business processing flow, and sending the business execution script to the electronic cash card machine system so that the electronic cash card machine system executes the card writing operation corresponding to the electronic cash business according to the business execution script; When the electronic cash service processing flow and the card writing operation are both successfully performed, the electronic cash service is completed.

2. The method according to claim 1, characterized in that The electronic cash service is a loading service, and the transaction direction is to deposit a preset amount into an electronic cash card. Accordingly, according to the electronic cash service processing flow, a service execution script is generated based on the service information of the electronic cash service, and the service execution script is sent to the electronic cash card machine system, including: Performing a credit accounting process based on the business information in the electronic cash business, and marking the transaction flow table corresponding to the electronic cash business as pending adjustment; A business execution script on the electronic cash card side corresponding to the loading business is generated based on the business information of the electronic cash business, and the business execution script is sent to the electronic cash card machine system.

3. The method according to claim 2, characterized in that The method further comprises: receiving an execution result of the business execution script executed by the electronic cash card machine system; When the execution result is successful, the pending account adjustment status is updated to a completed status; or, When the execution result is failure, an account adjustment processing task corresponding to the electronic cash business is generated.

4. The method according to claim 1, wherein The electronic cash business is a withdrawal business, and the transaction direction is to transfer a preset amount from the electronic cash card. Accordingly, according to the electronic cash business processing flow, a business execution script is generated based on the business information of the electronic cash business, and the business execution script is sent to the electronic cash card machine system, including: Generate a business execution script on the electronic cash card side corresponding to the circle withdrawal business based on the business information of the electronic cash business, and send the business execution script to the electronic cash card machine system; Receive the execution result of the business execution script executed by the electronic cash card machine system, and when the execution result is successful, perform circle withdrawal accounting processing according to the business information in the electronic cash business.

5. The method according to claim 4, characterized in that The method further comprises: When the circle withdrawal accounting process fails, an account adjustment processing task corresponding to the electronic cash business is generated.

6. The method according to claim 1, characterized in that The method further comprises: When one of the electronic cash business processing flow or the card writing operation fails, corresponding account adjustment processing is performed according to the business information of the electronic cash business.

7. The method according to claim 5, characterized in that The failure result includes any of the following: Verification of the electronic cash service fails; or The database corresponding to the electronic cash business is abnormal; or The business execution script generation failed.

8. A computer device, characterized in that: The computer device comprises: one or more processors; a memory for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement the electronic cash business processing method according to any one of claims 1 to 7.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the electronic cash business processing method as described in any one of claims 1 to 7 is implemented.

10. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the computer program implements the electronic cash business processing method according to any one of claims 1 to 7.

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