Payment processing method, device, equipment and storage medium

Abstract

The present disclosure provides a payment service processing method, which can be applied to the fields of big data and financial technology. The payment service processing method comprises: in response to receiving a transaction file from a second component, determining M pieces of transaction information corresponding to the transaction file; according to the M pieces of transaction information, obtaining M pieces of transaction credentials corresponding to the M pieces of transaction information respectively; according to the M pieces of transaction credentials, generating a query request, the query request being used to request a target system to query transaction states of the M pieces of transaction credentials, the target system being connected with a first component and being used to receive transaction assets corresponding to the payment service; and in response to the query result from the target system indicating that there is no abnormal transaction credential, generating M pieces of confirmation messages. The present disclosure also provides a payment service processing device, equipment, storage medium and program product.

Description

Technical Field

[0001] This disclosure relates to the fields of big data and financial technology, and in particular to a method, apparatus, equipment, medium and program product for processing payment services. Background Technology

[0002] In existing technologies, the payment process for non-tax transactions generally involves users making payments through a front-end system first, followed by manual processing of various related business operations.

[0003] However, in implementing the inventive concept disclosed herein, the inventors discovered that in related technologies, the operation process for non-tax payment is complex and requires fixed personnel to perform fixed operations. Furthermore, in the event of problems with non-tax payment, it is necessary to identify the source of the problem at multiple manual processing stages and handle it manually at the source, thus leading to complex payment procedures, long payment cycles, and low payment efficiency. Summary of the Invention

[0004] In view of the above problems, the payment processing methods, devices, equipment, media and program products provided in this disclosure improve payment efficiency and reduce payment cycle.

[0005] According to a first aspect of this disclosure, a method for processing payment transactions is provided, applied to a first component, the first component being used to perform the payment operation that has been completed in the payment transaction; the method includes:

[0006] In response to receiving a transaction file from the second component, M transaction information corresponding to the transaction file are determined, wherein the transaction file includes a payment file for which payment has been completed, the second component is used to perform the payment function, and M is greater than or equal to 1;

[0007] Based on the M transaction information pieces mentioned above, obtain the M transaction vouchers corresponding to each of the M transaction information pieces mentioned above;

[0008] Based on the M aforementioned transaction vouchers, a query request is generated. This query request is used to request the target system to query the transaction status of the M aforementioned transaction vouchers. The target system interfaces with the first component and is used to receive the transaction assets corresponding to the aforementioned payment service; and

[0009] In response to the received query result indicating that there is no abnormal transaction certificate, M confirmation messages are generated. The query result comes from the target system.

[0010] According to embodiments of this disclosure, obtaining M transaction vouchers corresponding to each of the M transaction information pieces based on the M transaction information pieces includes:

[0011] Based on the M transaction information mentioned above, determine N first call interfaces, where N is greater than or equal to 1 and N is less than or equal to M;

[0012] N acquisition requests are generated through N of the aforementioned first call interfaces. These acquisition requests are used to request the aforementioned transaction certificate from the aforementioned target system.

[0013] In response to receiving N acquisition results from the aforementioned target system, M of the aforementioned transaction vouchers are acquired, and the acquisition results correspond to the aforementioned acquisition requests.

[0014] According to embodiments of this disclosure, the transaction information mentioned above includes the payment region;

[0015] Based on the M transaction information, N first call interfaces are determined, including:

[0016] Based on the payment regions of the M transactions mentioned above, the corresponding calling interfaces are determined, resulting in N first calling interfaces. The payment regions include geographical areas defined by multiple criteria.

[0017] According to embodiments of this disclosure, the above-mentioned payment processing method further includes:

[0018] In response to the fact that the aforementioned payment region meets the preset conditions, a target call interface is determined from the database and used as the first call interface.

[0019] According to embodiments of this disclosure, the transaction voucher includes a payment code;

[0020] Based on the M transaction vouchers mentioned above, a query request is generated, including:

[0021] Based on the M transaction vouchers mentioned above, determine N second calling interfaces; and

[0022] Based on the payment codes of the M transaction vouchers and the N second call interfaces, generate the N query requests.

[0023] According to embodiments of this disclosure, the aforementioned confirmation message includes a first confirmation message and a second confirmation message. The first confirmation message is used to interact with the target system, and the second confirmation message is used to interact with the second component.

[0024] The above response, based on the received query result indicating that there are no abnormal transaction credentials, generates M confirmation messages, including:

[0025] Based on N second call interfaces and M transaction vouchers, N first confirmation messages are generated. These first confirmation messages are used to return payment confirmation information to the target system.

[0026] Based on the M transaction vouchers mentioned above, a second confirmation message is generated, which is used to return payment confirmation information to the second component.

[0027] According to embodiments of this disclosure, the above response to receiving a transaction file from the second component, determining M transaction information corresponding to the transaction file, includes:

[0028] In response to the aforementioned transaction file received within a preset time period, the transaction progress of the K transaction information items included in the aforementioned transaction file is verified to obtain a verification result, where K is greater than or equal to M; and

[0029] In response to the above verification result indicating that the transaction status of M transaction information is successful payment, the above M transaction information is obtained from the above K transaction information.

[0030] According to embodiments of this disclosure, the above-mentioned payment processing method further includes:

[0031] In response to a received query result indicating a transaction certificate with an abnormal state, an exception message is generated; and

[0032] The aforementioned abnormal information is sent to the second component so that the second component can process the aforementioned abnormal information.

[0033] According to a second aspect of this disclosure, a method for processing payment transactions is provided, applied to a second component, the second component being used to perform payment operations in the payment transaction; the method includes:

[0034] Based on the list of outstanding payments, identify the target accounts for the outstanding payments. These target accounts include accounts for which contracts have been signed and which are used to complete the aforementioned payment transactions.

[0035] In response to the completion of the deduction operation for the aforementioned target account, a transaction file is generated; and

[0036] Send the aforementioned transaction documents to the first component.

[0037] According to embodiments of this disclosure, the above-mentioned payment processing method further includes:

[0038] In response to receiving abnormal information from the first component, an abnormal handling strategy corresponding to the abnormal information is determined. The abnormal information is generated by the first component in response to a query result indicating that a transaction certificate has an abnormal state. The query result is obtained by the first component from the target system based on the transaction certificate. The transaction certificate is obtained by the first component based on M transaction information corresponding to the transaction file. The target system is used to interface with the first component and receive transaction information corresponding to the payment service.

[0039] According to embodiments of this disclosure, the above-mentioned exception handling strategy includes:

[0040] Display the above-mentioned abnormal information; and

[0041] The above abnormal information will be forwarded to the manual processing channel.

[0042] According to embodiments of this disclosure, the above-mentioned exception handling strategy further includes:

[0043] The accounts with outstanding payments corresponding to the above-mentioned abnormal information will be marked so that the payment bills for these accounts can be added to the next payment period corresponding to this payment transaction.

[0044] A third aspect of this disclosure provides a payment processing apparatus applied to a first component, the first component being used to perform a confirmation process in the payment transaction; the apparatus includes:

[0045] The first determining module is used to determine M transaction information corresponding to the transaction file in response to receiving the transaction file from the second component, wherein the transaction file includes payment files that have been paid, the second component is used to perform the payment function, and M is greater than or equal to 1.

[0046] The acquisition module is used to acquire M transaction vouchers corresponding to each of the M transaction information pieces mentioned above, based on the M transaction information pieces mentioned above.

[0047] The first generation module is used to generate a query request based on the M aforementioned transaction vouchers. This query request is used to request the target system to query the transaction status of the M aforementioned transaction vouchers. The target system interfaces with the first component and is used to receive the transaction assets corresponding to the aforementioned payment service.

[0048] The second generation module is used to generate M confirmation messages in response to the received query results indicating that there are no abnormal transaction credentials. The query results are from the target system.

[0049] A fourth aspect of this disclosure provides a payment processing apparatus applied to a second component, the second component being used to perform the payment function in the payment transaction; the method includes:

[0050] The second determination module is used to determine the target account for payment based on the list of outstanding payments. The target account includes accounts that have signed contracts and are used to pay the aforementioned payments on behalf of the account.

[0051] The third generation module is used to generate a transaction file in response to the completion of the deduction operation for the aforementioned target account; and

[0052] The first sending module is used to send the aforementioned transaction file to the first component.

[0053] A fifth aspect of this disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors perform the payment service processing method.

[0054] A sixth aspect of this disclosure also provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, cause the processor to perform the above-described payment processing method.

[0055] The seventh aspect of this disclosure also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described payment service processing method.

[0056] According to the payment processing method, apparatus, equipment, medium, and program products provided in this disclosure, by using a first component to receive a transaction file from a second component, determining the transaction information corresponding to the transaction file, and then obtaining the corresponding transaction voucher based on the transaction information, the system automatically obtains the transaction voucher based on the transaction file. Based on the transaction voucher, a query request is generated and sent to the target system to query the transaction status of the payment transaction. This achieves automatic connection with the target system to query the transaction voucher and generates a confirmation message, which is then sent to the second system to confirm the completion status of the payment transaction. Since the transaction voucher is generated through the interaction of the first and second components, no manual processing is required, enabling data interoperability between the first and second components and achieving automatic processing of batch payments and transaction voucher generation. Furthermore, by sending a query request to the target system through the first component, the process of querying the transaction voucher can be automatically executed without manual processing. Therefore, it saves human and material resources in the payment process, increases the efficiency of payment execution, and shortens the payment cycle. Attached Figure Description

[0057] The foregoing contents, as well as other objects, features, and advantages of this disclosure, will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:

[0058] Figure 1 The illustration schematically depicts an application scenario of a payment processing method according to an embodiment of the present disclosure;

[0059] Figure 2 A flowchart illustrating a method for processing payment transactions applied to a first component according to an embodiment of this disclosure is shown schematically.

[0060] Figure 3A flowchart illustrating payment confirmation according to an embodiment of this disclosure is shown schematically;

[0061] Figure 4 A flowchart illustrating a method for processing payment transactions applied to a second component according to an embodiment of this disclosure is shown schematically.

[0062] Figure 5 A flowchart illustrating the first component receiving the processed transaction certificate according to an embodiment of the present disclosure is shown schematically.

[0063] Figure 6 The diagram schematically illustrates a structural block diagram of a payment processing method applied to a first component according to an embodiment of the present disclosure;

[0064] Figure 7 This schematically illustrates a structural block diagram of a payment processing method applied to a second component according to an embodiment of the present disclosure;

[0065] Figure 8 A block diagram of an electronic device suitable for a payment processing method according to an embodiment of the present disclosure is shown schematically. Detailed Implementation

[0066] The embodiments of the present disclosure will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the disclosure. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of the present disclosure for ease of explanation. However, it will be apparent that one or more embodiments may be practiced without these specific details. Furthermore, descriptions of well-known structures and techniques are omitted in the following description to avoid unnecessarily obscuring the concepts of the present disclosure.

[0067] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit this disclosure. The terms “comprising,” “including,” etc., as used herein indicate the presence of the stated features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0068] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.

[0069] When using expressions such as "at least one of A, B, and C", they should generally be interpreted in accordance with the meaning that is commonly understood by a person skilled in the art (e.g., "a system having at least one of A, B, and C" should include, but is not limited to, a system having A alone, a system having B alone, a system having C alone, a system having A and B, a system having A and C, a system having B and C, and / or a system having A, B, and C, etc.).

[0070] In the technical solutions disclosed herein, the collection, storage, use, processing, transmission, provision, disclosure, and application of data (including but not limited to user personal information) comply with the provisions of relevant laws and regulations, necessary confidentiality measures have been taken, and they do not violate public order and good morals.

[0071] In existing technologies, payment services can be limited to construction standards and rental levels and targeted at specific groups. The payment process for the aforementioned payment services involves three steps: users make payments through the front-end system and receive payment receipts; the front-end system connects to the finance system based on the payment receipts to issue non-tax payment slips; and the local branches verify the non-tax payment slips.

[0072] However, the inventors discovered that in related technologies, the payment process is complex and requires fixed personnel to perform fixed operations. Furthermore, in the event of problems with the payment process, the source of the problem needs to be identified through multiple manual processes and manually addressed at the source. This leads to a complex payment process, long payment cycles, and low payment efficiency.

[0073] Based on this, the inventors discovered that by establishing a unified system through which the payment component interacts with the non-tax component, payment notices can be automatically generated based on transaction information. This enables batch completion of the payment process and payment notice generation process, eliminating manual workflows and removing data barriers between multiple systems in the payment process. Based on the batch-generated payment notices, the front-end payment component can send confirmation requests to the non-tax system for verification. Since the payment process is primarily completed through the system, it solves the problems of complex payment processes, long payment cycles, and low efficiency caused by manual workflows.

[0074] In view of this, embodiments of this disclosure provide a method for processing payment transactions, applied to a first component, the first component being used to perform the payment operation that has been completed in the payment transaction; the method includes:

[0075] In response to receiving a transaction file from the second component, M transaction information corresponding to the transaction file are determined, wherein the transaction file includes a payment file for which payment has been completed, the second component is used to perform the payment function, and M is greater than or equal to 1;

[0076] Based on M transaction information, obtain M transaction vouchers corresponding to each of the M transaction information;

[0077] Based on M transaction vouchers, a query request is generated. This request is used to request the target system to query the transaction status of the M transaction vouchers. The target system interfaces with the first component to receive the transaction assets corresponding to the payment service; and

[0078] In response to the received query result indicating that there is no abnormal transaction certificate, M confirmation messages are generated, and the query result comes from the target system.

[0079] Figure 1 The illustration depicts an application scenario of a payment processing method according to an embodiment of the present disclosure.

[0080] like Figure 1 As shown, application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 serves as a medium for providing a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0081] Users can interact with server 105 via network 104 using at least one of the first terminal device 101, second terminal device 102, and third terminal device 103 to receive or send messages, etc. Various communication client applications can be installed on the first terminal device 101, second terminal device 102, and third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0082] The first terminal device 101, the second terminal device 102, and the third terminal device 103 can be various electronic devices with displays and support web browsing, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0083] Server 105 can be a server that provides various services, such as a backend management server that supports websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103 (this is just an example). The backend management server can analyze and process data such as received user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[0084] It should be noted that the payment processing method provided in this embodiment can generally be executed by server 105. Correspondingly, the payment processing device provided in this embodiment can generally be located in server 105. The payment processing method provided in this embodiment can also be executed by a server or server cluster that is different from server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or server 105. Correspondingly, the payment processing device provided in this embodiment can also be located in a server or server cluster that is different from server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or server 105.

[0085] It should be understood that Figure 1 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0086] The following will be based on Figure 1 The described scene, through Figures 2-5 The payment processing method of the disclosed embodiments is described in detail.

[0087] Figure 2 A flowchart illustrating a method for processing payment transactions applied to a first component according to an embodiment of this disclosure is shown schematically.

[0088] like Figure 2 As shown, the method is applied to the first component, which is used to perform the payment operation that has been completed in the payment business; the method includes operations S210 to S250.

[0089] In operation S210, in response to receiving a transaction file from the second component, M transaction information corresponding to the transaction file are determined, wherein the transaction file includes a payment file for which payment has been completed, the second component is used to perform the payment function, and M is greater than or equal to 1.

[0090] According to embodiments of this disclosure, the first component can be used to generate a transaction voucher for a completed payment transaction, or it can be used to query the aforementioned payment transaction by interacting with the target system based on the transaction voucher. For example, the first component can be a non-tax component used to generate a non-tax payment notice and query the target system for non-tax payment transactions.

[0091] According to embodiments of this disclosure, the payment service can be a non-tax payment service, which may include non-tax payment services that limit construction standards and rental levels and are targeted at a specific population.

[0092] According to embodiments of this disclosure, the second component can be used to make payments based on payment transactions and generate payment transaction files. For example, when the second component completes the payment, it generates payment information for the payment transaction and then generates a reconciliation file for the payment transaction based on the payment information. Specifically, the second component can also implement payment by calling functional modules of other systems, and then use the second component to generate payment information and reconciliation files for the payment transaction.

[0093] According to embodiments of this disclosure, the transaction file may be a message file generated based on a completed payment transaction, and may include the transaction time, transaction amount, etc. of the completed payment transaction.

[0094] According to embodiments of this disclosure, the transaction information corresponding to the transaction document may include, for example, the transaction time, transaction amount, transaction serial number, and other information of the completed payment transaction in the transaction document.

[0095] According to embodiments of this disclosure, for example, the first component and the second component may be located in the system of a headquarters organization.

[0096] In operation S220, based on M transaction information, obtain M transaction vouchers corresponding to each of the M transaction information.

[0097] According to embodiments of this disclosure, the transaction voucher can be a file generated by the first component based on the transaction information of a completed payment transaction. For example, it can be a payment notice generated by the non-tax component based on the completed payment transaction. The transaction voucher may include basic transaction information, the transaction number of the individual transaction, the transaction voucher serial number, and transaction voucher remarks, etc.

[0098] In operation S230, a query request is generated based on M transaction vouchers. The query request is used to request the target system to query the transaction status of the M transaction vouchers. The target system interfaces with the first component to receive the transaction assets corresponding to the payment business.

[0099] According to embodiments of this disclosure, for example, the target system may be a non-tax system for receiving payments. The non-tax system can interface with a non-tax component to receive transaction assets corresponding to the payment transaction sent by the non-tax component.

[0100] According to embodiments of this disclosure, for example, a query request may be a request sent to a non-tax system to query a payment notice through the non-tax system. The query process may include checking whether the payment has been received and whether the payment amount matches the amount due.

[0101] In operation S240, in response to the received query result indicating that there is no abnormal transaction certificate, M confirmation messages are generated, and the query result comes from the target system.

[0102] According to embodiments of this disclosure, the query result represents a transaction voucher that does not have an abnormal state. For example, it may be a transaction voucher that represents payment received and the payment amount is consistent with the amount due.

[0103] According to the embodiments of this disclosure, by using a first component to receive a transaction file from a second component, determining the transaction information corresponding to the transaction file, and then obtaining the transaction voucher corresponding to the transaction information, the system automatically obtains the transaction voucher based on the transaction file. Based on the transaction voucher, a query request is generated and sent to the target system to query the transaction status of the payment transaction. This achieves automatic connection with the target system to query the transaction voucher and generate a confirmation message, which is then sent to the second system to determine the completion status of the payment transaction.

[0104] By generating transaction vouchers through the interaction of the first and second components, data barriers between them are eliminated, eliminating the need for manual processing and enabling automated batch payment and transaction voucher generation. Furthermore, by sending query requests to the target system through the first component, the process of querying transaction vouchers can be automatically executed without manual intervention. Therefore, this saves human and material resources in the payment process, increases the efficiency of payment operations, and shortens the payment cycle.

[0105] According to embodiments of this disclosure, obtaining M transaction vouchers corresponding to each of the M transaction pieces of information, based on M transaction pieces of information, includes:

[0106] Based on M transaction information, determine N first call interfaces, where N is greater than or equal to 1 and N is less than or equal to M;

[0107] N retrieval requests are generated through N first call interfaces. These retrieval requests are used to request transaction credentials from the target system.

[0108] In response to receiving N retrieval results from the target system, M transaction vouchers are retrieved, with each retrieval result corresponding to a retrieval request.

[0109] According to embodiments of this disclosure, the first calling interface may be a calling interface used by the first component to obtain transaction credentials. The transaction credentials obtained through the first calling interface conform to the interaction format between the first component and the target system.

[0110] According to embodiments of this disclosure, the request may be generated by the first component based on transaction information, and is a request to obtain a transaction certificate from the target system. The request may include transaction information.

[0111] According to embodiments of this disclosure, in response to receiving N acquisition results from the target system, M transaction credentials are acquired. For example, this can be achieved by sending an acquisition request to the target system through a first component, and then receiving the acquisition results sent by the target system. The acquisition results may include transaction credentials generated by the target system based on the transaction information in the acquisition request.

[0112] According to embodiments of this disclosure, by determining multiple first calling interfaces corresponding to transaction information based on the transaction information, and then generating an acquisition request for obtaining a transaction certificate corresponding to the transaction information through these multiple first calling interfaces, the acquisition request is sent to the target system. Upon receiving the acquisition result from the target system, the transaction certificate is obtained. This achieves automatic generation of transaction certificates based on transaction information through calling interfaces by enabling the first component to interact with the target component. Since the acquisition request is generated by determining the calling interface corresponding to the transaction information, it is unnecessary to route the transaction information to multiple branch-structured systems to generate corresponding requests, thus reducing the time for generating acquisition requests and obtaining transaction certificates and improving transaction efficiency.

[0113] According to embodiments of this disclosure, the transaction information includes the payment region;

[0114] Based on M transaction information, determine N primary call interfaces, including:

[0115] Based on the payment regions of M transaction information, determine the corresponding calling interfaces for each payment region, resulting in N first calling interfaces. The payment regions include geographical areas defined by multiple criteria.

[0116] According to embodiments of this disclosure, for example, the transaction files obtained by the second component may include payment documents for various regions where payments have been completed. Consequently, the transaction information corresponding to these completed payment documents also includes regional information for each payment region. Based on this regional information, the payment region for each transaction can be determined.

[0117] According to embodiments of this disclosure, for example, since the message interaction formats of the non-tax systems corresponding to different payment regions are different, the corresponding interaction format can be determined according to the payment region, and a first calling interface can be generated according to the interaction format of each region, so that the first component can interact with the non-tax system through the calling interface.

[0118] According to embodiments of this disclosure, payment transactions can be processed and integrated with non-tax systems in three ways, for example. One method is for the second component in the headquarters system to make the payment, and then the first component in the headquarters system to interact with the non-tax system via a first API call to complete the process of obtaining and verifying the payment notice. Another method is for the second component in the headquarters system to make the payment, and then the first component in the branch system to interact with the non-tax system via an API call to the corresponding non-tax system in the branch's region to complete the process of obtaining and verifying the payment notice. A third method is for the second component in the branch system to make the payment, and then the first component in the branch system to interact with the non-tax system via an API call to the corresponding non-tax system in the branch's region to complete the process of obtaining and verifying the payment notice.

[0119] According to embodiments of this disclosure, by determining the calling interface corresponding to the payment region based on the payment regions of multiple transaction information, multiple first calling interfaces are obtained. This realizes the message format for interacting with the target system by determining the region. Interaction with the target system can be achieved through this interaction format, enabling automatic acquisition of transaction vouchers, improving the execution efficiency of payment services. Furthermore, since multiple target interfaces corresponding to different regions are determined, the target interface to be called can be flexibly determined by the payment region, improving the flexibility of connecting to the target system.

[0120] According to embodiments of this disclosure, the method for processing payment transactions further includes:

[0121] In response to the payment region meeting the preset conditions, a target call interface is determined from the database and used as the first call interface.

[0122] According to embodiments of this disclosure, for example, the preset conditions may be the existence of a non-tax system corresponding to the payment region, and the existence of a calling interface corresponding to the non-tax system in the database.

[0123] According to embodiments of this disclosure, for example, when it is determined that the payment region meets preset conditions, a target call interface that conforms to the non-tax system message interaction specification corresponding to the payment region can be obtained from the database by the first component, and the target call interface can be used as the first call interface so that the first component can interact with the non-tax system through the first call interface.

[0124] According to embodiments of this disclosure, by determining a target calling interface from the database when the payment region meets preset conditions, and using the target calling interface as the first calling interface, the system can flexibly determine the target calling interface from multiple interfaces to be called based on the payment region, and use the target calling interface as the first calling interface, thereby improving the flexibility of generating acquisition requests.

[0125] According to embodiments of this disclosure, the transaction voucher includes a payment code;

[0126] Based on M transaction vouchers, generate a query request, including:

[0127] Based on M transaction vouchers, determine N second call interfaces; and

[0128] Based on the payment codes of M transaction vouchers and N second call interfaces, generate N query requests.

[0129] According to embodiments of this disclosure, the payment code can be a payment transaction code in the transaction voucher that corresponds to a completed payment transaction.

[0130] According to embodiments of this disclosure, the second calling interface may be a calling interface used to verify transaction credentials through the target system. Through the second calling interface, the query request can conform to the message interaction format of the target system, thereby allowing the first component to send the query request to the target system via the second calling interface.

[0131] According to embodiments of this disclosure, N query requests are generated based on the payment codes of M transaction vouchers and N second calling interfaces. For example, based on the payment codes corresponding to each transaction voucher, query requests conforming to the message interaction format of the corresponding non-tax system are generated through the second calling interfaces, and the query requests are sent to the non-tax system through the first component.

[0132] According to embodiments of this disclosure, by determining N second calling interfaces based on M transaction vouchers, and then generating N query requests based on the payment codes of each of the M transaction vouchers and the N second calling interfaces, the flexibility of generating confirmation requests is improved because the payment codes contained in the transaction vouchers can be flexibly determined.

[0133] According to embodiments of this disclosure, the confirmation message includes a first confirmation message and a second confirmation message. The first confirmation message is used to interact with the target system, and the second confirmation message is used to interact with the second component.

[0134] In response to the received query result indicating that there are no abnormal transaction credentials, M confirmation messages are generated, including:

[0135] Based on N second-level API calls and M transaction vouchers, N first confirmation messages are generated. These first confirmation messages are used to return payment confirmation information to the target system.

[0136] Based on M transaction vouchers, a second confirmation message is generated. The second confirmation message is used to return payment confirmation information to the second component.

[0137] According to embodiments of this disclosure, for example, upon receiving a query result, the first component may send a first confirmation message to the non-tax system confirming receipt of the query result, and send a second confirmation message to the second component confirming that the payment transaction is not in an abnormal state.

[0138] According to embodiments of this disclosure, N first confirmation messages are generated based on N second calling interfaces and M transaction credentials, and these first confirmation messages are sent to the target system. The target system determines the delivery status of the query results, and then generates second confirmation messages based on the M transaction credentials, sending these second confirmation messages to the second component so that the second component can determine the status of the transaction credentials. Since the first component sends the first confirmation messages to the target system, and the second confirmation messages are sent to the second component, data interaction between the first component, the second component, and the target system is achieved, ensuring the consistency of the data among the three parties.

[0139] According to embodiments of this disclosure, in response to receiving a transaction file from a second component, M pieces of transaction information corresponding to the transaction file are determined, including:

[0140] In response to a transaction file received within a preset time period, the transaction progress of K transaction information items included in the transaction file is verified to obtain a verification result, where K is greater than or equal to M; and

[0141] In response to the verification result indicating that the transaction status of M transaction information is successful, M transaction information is obtained from K transaction information.

[0142] According to embodiments of this disclosure, for example, the preset time can be one day. By verifying the transaction progress of the transaction files received within one day, the number of transactions that were successfully paid within one day can be determined. Transaction information corresponding to the successfully paid transactions can be obtained from all verified transactions within one day, and transaction vouchers can be generated using this transaction information.

[0143] According to the embodiments of this disclosure, when a transaction file is received within a preset time period, the transaction progress of the K transaction information included in the transaction file is verified to obtain a verification result. If the verification result indicates that the transaction status of M transaction information is successful, M transaction information is obtained from the K transaction information. Since the transaction progress is verified by the second component, the generation of abnormal transactions can be reduced at the source, the transaction information processed by the first component can be reduced, and the processing efficiency can be improved.

[0144] According to embodiments of this disclosure, the above-mentioned payment processing method further includes:

[0145] In response to a received query result indicating a transaction certificate with an abnormal state, an exception message is generated; and

[0146] The exception information is sent to the second component so that the second component can process the exception information.

[0147] According to embodiments of this disclosure, for example, abnormal states may include states such as unsuccessful payment or discrepancy between the paid amount and the amount due. A message can be generated based on the abnormal state and sent to a second component, which then handles the aforementioned states such as unsuccessful payment or discrepancy between the paid amount and the amount due.

[0148] According to the embodiments of this disclosure, when the received query result indicates that a transaction certificate has an abnormal state, abnormal information is generated and sent to the second component so that the second component can process the abnormal information. This realizes that through the interaction between the first component and the non-tax component, transaction certificates with abnormal states can be automatically queried and sent to the second component for processing. This can reduce manual processes in the query process and increase processing efficiency.

[0149] Figure 3 A flowchart illustrating payment confirmation according to an embodiment of this disclosure is shown schematically.

[0150] like Figure 3As shown, in operation S301, the first component obtains the transaction voucher based on the transaction information. Upon obtaining the transaction voucher, operation S302 proceeds to the target system, where the first component sends a query request to query the transaction voucher. Operation S303 proceeds to the target system, where the transaction voucher is queried. After the target system completes the query, operation S304 proceeds to the target system, where the query result is sent to the first component. Operation S305 proceeds to the first component, where the query result is received. Operation S306 proceeds to the first component, where it determines whether there are any transaction vouchers with abnormal statuses in the query results. If the result is yes, operation S309 proceeds to the first component, where the abnormal information is sent to the second component. Operation S310 proceeds to the second component, where the abnormal information is received and the abnormal status is processed accordingly. If the result is no, operation S307 proceeds to the first component, where the confirmation message is sent to both the target system and the second component. Operation S308 proceeds to the target system, where the confirmation message is received and payment is confirmed. Operation S311 proceeds to the second component, where the confirmation message is received and payment is confirmed.

[0151] Figure 4 A flowchart illustrating a method for processing payment transactions applied to a second component according to an embodiment of this disclosure is shown.

[0152] like Figure 4 As shown, this method is applied to the second component, which is used to perform payment operations in the payment process; the method includes:

[0153] When operating S410, the target accounts for the outstanding payments are identified based on the payment list. These target accounts include those with signed contracts and used to complete payment transactions.

[0154] According to embodiments of this disclosure, the contract signed by the target account may be a payment contract.

[0155] According to embodiments of this disclosure, the list of pending payments may be a list containing multiple pending payment services, and may include information about the accounts to be paid and the amount to be paid, etc.

[0156] According to embodiments of this disclosure, when a contract has been signed with the target account, the target account can be identified as an account to be paid. Then, a deduction operation can be performed on the account to be paid based on the list of accounts to be paid, and a transaction document can be generated based on the deduction operation.

[0157] When operating the S420, in response to completing the deduction operation for the target account, a transaction file is generated.

[0158] When operating S430, the transaction file is sent to the first component.

[0159] According to embodiments of this disclosure, the transaction file generated by the second component based on the deduction operation can be sent to the first component, which generates a transaction voucher and queries the transaction voucher through the target system. If the query is completed, the first component returns the query result and the transaction voucher to the second component, which then processes the transaction voucher in an abnormal state.

[0160] According to embodiments of this disclosure, by identifying the target account for payment based on the payment list, and upon completing the deduction operation for the target account, a transaction file is generated and sent to the first component. The first component can then interact with the target system, automatically obtaining transaction vouchers from the transaction file and automatically querying these vouchers. Because the transaction vouchers are generated through interaction between the first and second components, data barriers between them are eliminated, eliminating the need for manual processing and enabling automated batch payment and transaction voucher generation. Furthermore, by sending a query request to the target system through the first component, the process of querying transaction vouchers can be automatically executed without manual intervention. Therefore, this saves human and material resources in the payment process, increases the efficiency of payment operations, and shortens the payment cycle.

[0161] According to embodiments of this disclosure, the above-mentioned payment processing method further includes:

[0162] In response to receiving an exception message from the first component, an exception handling strategy corresponding to the exception message is determined. The exception message is generated by the first component in response to the received query result indicating that the transaction certificate has an abnormal state. The query result is obtained by the first component from the target system based on the transaction certificate. The transaction certificate is obtained by the first component based on M transaction information corresponding to the transaction file. The target system is used to interface with the first component and receive transaction information corresponding to the payment business.

[0163] According to embodiments of this disclosure, for example, when the second component receives abnormal information from the first component, it can determine the transaction voucher corresponding to the abnormal information, and then determine the payment service corresponding to the transaction voucher. If the payment service is determined, a corresponding abnormality handling strategy for processing the abnormal information is then determined based on the abnormal information.

[0164] According to embodiments of this disclosure, for example, the abnormal information may be that the payment has not been received, and the abnormal handling strategy may be to re-perform the payment operation to complete the payment.

[0165] According to embodiments of this disclosure, upon receiving abnormal information from the first component, an abnormal handling strategy corresponding to the abnormal information is determined. Since the abnormal information is processed by the second component, the processing process and the abnormal process are separated. This not only enables the processing of abnormal information but also improves the processing efficiency of the first component by reducing processing tasks.

[0166] Figure 5 A flowchart illustrating the first component receiving the processed transaction certificate according to an embodiment of the present disclosure is shown.

[0167] like Figure 5 As shown, in operation S501, the second component obtains a single payment on a daily basis. After obtaining all single payment information from the previous day, it proceeds to operation S502 to obtain a reconciliation file generated based on all the single payment information. Then, it proceeds to operation S503 to generate a transaction file based on the reconciliation file and send the transaction file to the first component. Then, it proceeds to operation S504, where the first component obtains a transaction voucher based on the file. Then, it proceeds to operation S505 to send the transaction voucher to the second component. Then, it proceeds to operation S506, where the second system processes any abnormal states based on the transaction voucher and sends the processed transaction voucher to the first component. Finally, it proceeds to operation S508, where the first component receives the processed transaction voucher.

[0168] According to embodiments of this disclosure, the exception handling strategy includes:

[0169] Displaying error information; and

[0170] The abnormal information will be forwarded to the manual processing channel.

[0171] According to embodiments of this disclosure, for example, abnormal information may be displayed, including the transaction serial number and specific abnormal situation in the abnormal information, and then the abnormal information may be forwarded to a manual processing channel for processing of the abnormal situation.

[0172] According to embodiments of this disclosure, abnormal information is displayed and forwarded to a manual processing channel. By forwarding the abnormal information to the manual processing channel, timely processing of the abnormal information can be achieved, which helps to improve the user experience.

[0173] According to embodiments of this disclosure, the exception handling strategy further includes:

[0174] The outstanding payment account corresponding to the abnormal information is marked so that the payment bill for the outstanding payment account can be added to the next payment period corresponding to this payment transaction.

[0175] According to embodiments of this disclosure, for example, when the abnormal information is that the payment has not been received, by marking the pending payment account corresponding to the abnormal information, the payment bill for the current incomplete payment can be added to the next payment period, and the current incomplete payment and the next payment period payment can be processed together in the next payment period.

[0176] According to embodiments of this disclosure, for example, the account to be paid can be a payment clearing account. In payment transactions, the account to be paid can transfer funds to a non-tax payment account. When the account to be paid is a corporate account, the non-tax payment account can correspond to either a corporate account or an internal account; when the account to be paid is a contract account, the non-tax payment account can be either a corporate account or an internal account. When the account to be paid is a contract account and the non-tax payment account is an internal account, the transaction needs to be confirmed by the non-tax system.

[0177] According to embodiments of this disclosure, by marking the pending payment account corresponding to the abnormal information, the payment bill of the pending payment account can be added to the next payment period corresponding to the current payment transaction. Since the abnormal information can be processed without disturbing the user by transferring the payment transaction, the abnormal information can be processed without disturbing the user.

[0178] Figure 6 The diagram illustrates a structural block diagram of a payment processing method applied to a first component according to an embodiment of the present disclosure.

[0179] like Figure 6 As shown, the payment processing device 600 of this embodiment is applied to the first component, which is used to perform the confirmation process in the payment process; the device includes a first determining module 610, an obtaining module 620, a first generating module 630, and a second generating module 640.

[0180] The first determining module 610 is configured to, in response to receiving a transaction file from the second component, determine M transaction information corresponding to the transaction file, wherein the transaction file includes payment files for which payment has been completed, the second component is configured to perform the payment function, and M is greater than or equal to 1. In one embodiment, the first determining module 610 may be configured to perform the operation S210 described above, which will not be repeated here.

[0181] The acquisition module 620 is used to acquire M transaction vouchers corresponding to each of the M transaction information pieces. In one embodiment, the acquisition module 620 can be used to perform the operation S220 described above, which will not be repeated here.

[0182] The first generation module 630 is used to generate a query request based on M transaction vouchers. The query request is used to request the target system to query the transaction status of the M transaction vouchers. The target system interfaces with the first component to receive the transaction assets corresponding to the payment service. In one embodiment, the first generation module 630 can be used to execute the operation S230 described above, which will not be repeated here.

[0183] The second generation module 640 is used to generate M confirmation messages in response to the received query result indicating that the transaction certificate does not have an abnormal state. The query result comes from the target system. In one embodiment, the second generation module 640 can be used to perform the operation S240 described above, which will not be repeated here.

[0184] According to embodiments of this disclosure, the acquisition module 620 includes a first determining submodule, a first generating submodule, and a first acquiring submodule. The first determining submodule is used to determine N first calling interfaces based on M transaction information, where N is greater than or equal to 1 and less than or equal to M; the first generating submodule is used to generate N acquisition requests through the N first calling interfaces, the acquisition requests being used to request transaction credentials from the target system; the first acquiring submodule is used to acquire M transaction credentials in response to receiving N acquisition results from the target system, the acquisition results corresponding to the acquisition requests.

[0185] According to embodiments of this disclosure, the first determining submodule includes a first determining unit. The first determining unit is used to determine the calling interface corresponding to each of the M transaction information payment regions, thereby obtaining N first calling interfaces. The payment regions include geographical areas defined by multiple criteria.

[0186] According to embodiments of this disclosure, the first determining submodule further includes a second determining unit. The second determining unit is configured to, in response to a payment region meeting preset conditions, determine a target calling interface from a database and use the target calling interface as the first calling interface.

[0187] According to embodiments of this disclosure, the first generation module includes a first determining submodule and a second generation submodule. The first determining submodule is used to determine N second calling interfaces based on M transaction vouchers; the second generation submodule is used to generate N query requests based on the payment codes of each of the M transaction vouchers and the N second calling interfaces.

[0188] According to embodiments of this disclosure, the second generation submodule includes a first generation unit and a second generation unit. The first generation unit is used to generate N first confirmation messages based on N second call interfaces and M transaction vouchers, the first confirmation messages being used to return payment confirmation information to the target system; the second generation unit is used to generate second confirmation messages based on the M transaction vouchers, the second confirmation messages being used to return payment confirmation information to the second component.

[0189] According to embodiments of this disclosure, the first determining module 610 includes a verification submodule and a second obtaining submodule. The verification submodule is used to verify the transaction progress of K transaction information items included in a transaction file received within a preset time period, and obtain a verification result, where K is greater than or equal to M. The second obtaining submodule is used to obtain M transaction information items from the K transaction information items in response to the verification result indicating that the transaction status of the M transaction information items is successful payment.

[0190] According to embodiments of this disclosure, the payment processing apparatus further includes a third generation module and a second sending module. The third generation module generates exception information in response to a received query result indicating an abnormal transaction certificate; the second sending module sends the exception information to a second component for processing.

[0191] Figure 7 The diagram illustrates a structural block diagram of a payment processing method applied to a second component according to an embodiment of the present disclosure.

[0192] like Figure 7 As shown, the payment processing device 700 of this embodiment is applied to the second component, which is used to perform the payment function in the payment service; the device includes a second determining module 710, a third generating module 720 and a first sending module 730.

[0193] The second determining module 710 is used to determine the target account for payment based on the list of outstanding payments. The target account includes accounts with signed contracts for payment services. In one embodiment, the second determining module 710 can be used to perform the operation S410 described above, which will not be repeated here.

[0194] The third generation module 720 is used to generate a transaction file in response to the completion of the deduction operation for the target account. In one embodiment, the third generation module 720 can be used to perform the operation S420 described above, which will not be repeated here.

[0195] The first sending module 730 is used to send the transaction file to the first component. In one embodiment, the first sending module 730 can be used to perform the operation S430 described above, which will not be repeated here.

[0196] According to embodiments of this disclosure, the payment processing apparatus further includes a third determining module. This third determining module is configured to determine an exception handling strategy corresponding to the received exception information from the first component. The exception information is generated by the first component in response to a received query result indicating a transaction voucher with an abnormal state. The query result is obtained by the first component from the target system based on the transaction voucher, which is obtained by the first component based on M transaction information corresponding to a transaction file. The target system is configured to interface with the first component and receive transaction information corresponding to the payment service.

[0197] According to embodiments of this disclosure, the third determining module includes a display submodule and a forwarding submodule. The display submodule is used to display the abnormal information; the forwarding submodule is used to forward the abnormal information to a manual processing channel.

[0198] According to embodiments of this disclosure, the third determining submodule further includes a marking submodule. The marking submodule is used to mark the pending payment account corresponding to the abnormal information, so that the payment bill for the pending payment account can be added to the next payment period corresponding to the current payment transaction.

[0199] According to embodiments of this disclosure, any multiple modules of the first determining module 610, the acquiring module 620, the first generating module 630, and the second generating module 640, or the second determining module 710, the third generating module 720, and the first sending module 730, can be combined into one module, or any one of these modules can be split into multiple modules. Alternatively, at least some of the functions of one or more of these modules can be combined with at least some of the functions of other modules and implemented in one module. According to embodiments of this disclosure, at least one of the first determining module 610, the acquiring module 620, the first generating module 630, and the second generating module 640, or the second determining module 710, the third generating module 720, and the first sending module 730 can be at least partially implemented as hardware circuitry, such as a field-programmable gate array (FPGA), a programmable logic array (PLA), a system-on-a-chip, a system-on-a-substrate, a system-on-package, an application-specific integrated circuit (ASIC), or implemented in hardware or firmware by any other reasonable means of integrating or packaging the circuitry, or implemented in any one of software, hardware, and firmware methods, or in a suitable combination of any of these. Alternatively, at least one of the first determining module 610, the acquiring module 620, the first generating module 630 and the second generating module 640, or the second determining module 710, the third generating module 720 and the first sending module 730 can be at least partially implemented as a computer program module, which can perform corresponding functions when the computer program module is run.

[0200] Figure 8 A block diagram of an electronic device suitable for a payment processing method according to an embodiment of the present disclosure is shown schematically.

[0201] like Figure 8 As shown, an electronic device 800 according to an embodiment of this disclosure includes a processor 801, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 802 or a program loaded from a storage portion 808 into a random access memory (RAM) 803. The processor 801 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 801 may also include onboard memory for caching purposes. The processor 801 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of this disclosure.

[0202] RAM 803 stores various programs and data required for the operation of electronic device 800. Processor 801, ROM 802, and RAM 803 are interconnected via bus 804. Processor 801 performs various operations of the method flow according to embodiments of the present disclosure by executing programs in ROM 802 and / or RAM 803. It should be noted that the programs may also be stored in one or more memories other than ROM 802 and RAM 803. Processor 801 may also perform various operations of the method flow according to embodiments of the present disclosure by executing programs stored in said one or more memories.

[0203] According to embodiments of this disclosure, the electronic device 800 may further include an input / output (I / O) interface 805, which is also connected to a bus 804. The electronic device 800 may also include one or more of the following components connected to the I / O interface 805: an input section 806 including a keyboard, mouse, etc.; an output section 807 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 808 including a hard disk, etc.; and a communication section 809 including a network interface card such as a LAN card, modem, etc. The communication section 809 performs communication processing via a network such as the Internet. A drive 810 is also connected to the I / O interface 805 as needed. A removable medium 811, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 810 as needed so that computer programs read from it can be installed into the storage section 808 as needed.

[0204] This disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs that, when executed, implement the method according to the embodiments of this disclosure.

[0205] According to embodiments of this disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, such as including, but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this disclosure, the computer-readable storage medium may include ROM 802 and / or RAM 803 and / or one or more memories other than ROM 802 and RAM 803 described above.

[0206] Embodiments of this disclosure also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code enables the computer system to implement the payment service processing method provided in the embodiments of this disclosure.

[0207] When the computer program is executed by the processor 801, it performs the functions defined in the system / apparatus of this disclosure embodiments. According to embodiments of this disclosure, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0208] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and may be downloaded and installed via the communication section 809, and / or installed from a removable medium 811. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0209] In such an embodiment, the computer program can be downloaded and installed from a network via communication section 809, and / or installed from removable medium 811. When the computer program is executed by processor 801, it performs the functions defined in the system of this disclosure embodiment. According to embodiments of this disclosure, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0210] According to embodiments of this disclosure, program code for executing the computer programs provided in embodiments of this disclosure can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can execute entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0211] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this disclosure. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0212] Those skilled in the art will understand that the features described in the various embodiments and / or claims of this disclosure can be combined or combined in various ways, even if such combinations or combinations are not explicitly described in this disclosure. In particular, the features described in the various embodiments and / or claims of this disclosure can be combined or combined in various ways without departing from the spirit and teachings of this disclosure. All such combinations and / or combinations fall within the scope of this disclosure.

[0213] The specific embodiments described above further illustrate the purpose, technical solutions, and beneficial effects of this disclosure. It should be understood that the above descriptions are merely specific embodiments of this disclosure and are not intended to limit this disclosure. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this disclosure should be included within the protection scope of this disclosure.

Claims

1. A method for processing a payment transaction, applied to a first component, the first component being used to execute the payment operation that has been completed in the payment transaction; the method includes: In response to receiving a transaction file from the second component, M transaction information corresponding to the transaction file are determined, wherein the transaction file includes a payment file for which payment has been completed, the second component is used to perform the payment function, and M is greater than or equal to 1; Based on the M transaction information pieces, obtain M transaction vouchers corresponding to each of the M transaction information pieces; Based on the M transaction vouchers, a query request is generated. This query request is used to request the target system to query the transaction status of the M transaction vouchers. The target system interfaces with the first component to receive the transaction assets corresponding to the payment service. In response to the received query result indicating that the transaction certificate does not have an abnormal state, M confirmation messages are generated, wherein the query result comes from the target system; The step of obtaining M transaction vouchers corresponding to each of the M transaction information items, based on the M transaction information items, includes: Based on the M transaction information, determine N first calling interfaces, where N is greater than or equal to 1 and N is less than or equal to M; N retrieval requests are generated through N first call interfaces, and the retrieval requests are used to request the transaction certificate from the target system. In response to receiving N acquisition results from the target system, M transaction credentials are acquired, wherein the acquisition results correspond to the acquisition requests; the acquisition results include transaction credentials generated by the target system based on the transaction information in the acquisition requests.

2. The method according to claim 1, wherein, The transaction information includes the payment region; The step of determining N first calling interfaces based on M transaction information includes: Based on the payment regions of each of the M transaction information, the calling interface corresponding to the payment region is determined, resulting in N first calling interfaces, wherein the payment region includes geographical areas defined by multiple criteria.

3. The method according to claim 2, further comprising: In response to the payment region meeting preset conditions, a target calling interface is determined from the database and used as the first calling interface.

4. The method according to claim 1, wherein, The transaction voucher includes a payment code; The step of generating a query request based on the M transaction vouchers includes: Based on the M transaction credentials, determine N second calling interfaces; and Based on the payment codes of each of the M transaction vouchers and the N second call interfaces, generate N query requests.

5. The method according to claim 4, wherein, The confirmation message includes a first confirmation message and a second confirmation message. The first confirmation message is used to interact with the target system, and the second confirmation message is used to interact with the second component. The response to the received query result indicating that the transaction certificate does not have an abnormal state generates M confirmation messages, including: Based on N second call interfaces and M transaction vouchers, N first confirmation messages are generated, and the first confirmation messages are used to return payment service confirmation information to the target system; as well as Based on the M transaction vouchers, a second confirmation message is generated, which is used to return payment confirmation information to the second component.

6. The method according to claim 1, wherein, The response to receiving a transaction file from the second component, determining M transaction information corresponding to the transaction file, includes: In response to a transaction file received within a preset time period, the transaction progress of K transaction information items included in the transaction file is verified to obtain a verification result, where K is greater than or equal to M; and In response to the verification result indicating that the transaction status of M transaction information is successful, the M transaction information is obtained from the K transaction information.

7. The method according to claim 1, further comprising: In response to the received query results indicating that the transaction certificate has an abnormal state, an exception message is generated; as well as The abnormal information is sent to the second component so that the second component can process the abnormal information.

8. A method for processing a payment transaction, applied to a second component, the second component being used to perform the payment operation in the payment transaction; the method includes: Based on the list of outstanding payments, the target accounts for outstanding payments are determined, including accounts for which contracts have been signed and used to complete the payment transactions; In response to the completion of the deduction operation for the target account, a transaction file is generated; as well as The transaction file is sent to a first component, wherein the first component is configured to perform the method according to any one of claims 1 to 7.

9. The method according to claim 8, further comprising: In response to receiving an anomaly information from the first component, an anomaly handling strategy corresponding to the anomaly information is determined. The anomaly information is generated by the first component in response to a received query result indicating a transaction certificate with an abnormal state. The query result is obtained by the first component from the target system based on the transaction certificate. The transaction certificate is obtained by the first component based on M transaction information corresponding to the transaction file. The target system is used to interface with the first component and receive transaction information corresponding to the payment service.

10. The method according to claim 9, wherein, The exception handling strategy includes: Display the aforementioned abnormal information; and The abnormal information is forwarded to the manual processing channel.

11. The method according to claim 9, wherein, The exception handling strategy also includes: The accounts with outstanding payments corresponding to the abnormal information are marked so that the payment bills for the accounts with outstanding payments can be added to the next payment period corresponding to this payment transaction.

12. A payment processing apparatus, applied to a first component, the first component being used to perform a confirmation process in the payment transaction; the apparatus comprising: The first determining module is used to determine M transaction information corresponding to the transaction file in response to receiving a transaction file from the second component, wherein the transaction file includes a payment file that has been paid, the second component is used to perform the payment function, and M is greater than or equal to 1; The acquisition module is used to acquire M transaction vouchers corresponding to each of the M transaction information pieces based on the M transaction information pieces; A first generation module is used to generate a query request based on the M transaction vouchers. The query request is used to request the target system to query the transaction status of the M transaction vouchers. The target system interfaces with the first component and is used to receive the transaction assets corresponding to the payment service. The second generation module is used to generate M confirmation messages in response to the received query result indicating that the transaction certificate does not have an abnormal state, wherein the query result comes from the target system; The acquisition module is further configured to: determine N first calling interfaces based on M transaction information, wherein N is greater than or equal to 1 and N is less than or equal to M; generate N acquisition requests through the N first calling interfaces, wherein the acquisition requests are used to request the target system to acquire the transaction credentials; and in response to receiving N acquisition results from the target system, acquire M transaction credentials, wherein the acquisition results correspond to the acquisition requests; the acquisition results include transaction credentials generated by the target system based on the transaction information in the acquisition requests.

13. A payment processing apparatus, applied to a second component, the second component being used to perform the payment function in the payment transaction; the apparatus comprising: The second determination module is used to determine the target account for payment based on the list of outstanding payments. The target account includes an account that has signed a contract and is used to pay the outstanding payments on behalf of the account. The third generation module is used to generate a transaction file in response to the completion of the deduction operation of the target account; as well as A first sending module is configured to send the transaction file to a first component, wherein the first component is configured to execute the method according to any one of claims 1 to 7.

14. An electronic device, comprising: One or more processors; Storage device for storing one or more programs. Wherein, when the one or more programs are executed by the one or more processors, the one or more processors perform the method according to any one of claims 1 to 11.

15. A computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the method according to any one of claims 1 to 11.

16. A computer program product comprising a computer program that, when executed by a processor, implements the method according to any one of claims 1 to 11.

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