Method, apparatus, electronic device and storage medium for processing service data

Abstract

The application discloses a business data processing method and device, electronic equipment and storage medium, and relates to the technical field of computers. A specific embodiment of the method comprises: in response to a refund request of an order, obtaining the corresponding order identifier to split into a sub-order; querying the business identifier corresponding to the sub-order to obtain each business item of the corresponding business account within a preset time period, matching with a preset business item set, determining the amount corresponding to the matching successful business item; obtaining the refund information of the sub-order to perform a refund check of the business account based on the amount corresponding to the matching successful business item and the refund information; and in response to a check result of passing the check, executing a refund procedure of the sub-order through the business account. The embodiment can solve the problem that after the main order completes payment, when some sub-orders need to be refunded, payment needs to be made through the payment of other businesses, which easily leads to the responsibility of business data processing and reduces the processing efficiency of business data.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a method, apparatus, electronic device, and storage medium for processing business data. Background Technology

[0002] In business processing, consolidated payment is a common payment model. This model typically merges multiple sub-orders into a single master order for payment processing. Therefore, consolidated payment for business orders is executed in the account corresponding to the master order. After payment is completed, the master order's payment can be distributed to the accounts of each sub-order through a clearing mechanism. However, in some scenarios, after the master order's payment is completed, if some sub-orders require refunds, the refunds must be processed through payments from other business transactions because the master order's payment has not yet been distributed to the sub-orders' accounts through the clearing mechanism. This can easily lead to cumbersome business data processing and reduce business data processing efficiency. Summary of the Invention

[0003] In view of this, embodiments of the present invention provide a method, apparatus, electronic device, and storage medium for processing business data, which can solve the problem that after the main order has been paid for, when some sub-orders need to be refunded, payment needs to be made through other business transactions, which can easily lead to complicated business data processing and reduce the efficiency of business data processing.

[0004] To achieve the above objectives, according to one aspect of the present invention, a method for processing business data is provided.

[0005] A business data processing method according to an embodiment of the present invention includes: in response to a refund request for an order, obtaining the corresponding order identifier to split it into sub-orders;

[0006] Query the business identifier corresponding to the sub-order to obtain the business items of the corresponding business account within a preset time period, match them with a preset set of business items, and determine the amount corresponding to the successfully matched business item;

[0007] Obtain the refund information of the sub-order, and perform refund verification of the business account based on the amount corresponding to the successfully matched business item and the refund information;

[0008] If the verification result is successful, the refund procedure for the sub-order is executed through the business account.

[0009] In one embodiment, the preset set of business items includes a standard array of business items;

[0010] The step of matching with a preset set of business items to determine the amount corresponding to the successfully matched business item includes:

[0011] Obtain each business item within the preset time period, call the preset template to generate a business item array, match it with the standard business item array, and determine the successfully matched business items;

[0012] Obtain the amount type and limit value of the successfully matched business item to calculate the amount corresponding to the successfully matched business item.

[0013] In yet another embodiment, based on the account information and the refund information, a refund verification of the business account is performed, including:

[0014] The refund amount for the sub-order is determined based on the refund information and compared with the amount corresponding to the successfully matched business item;

[0015] If the amount corresponding to the successfully matched business item is greater than or equal to the refund amount, the verification result of the business account is determined to be verified as verified; if the amount corresponding to the successfully matched business item is less than the refund amount, the verification result of the business account is determined to be verified as verified as verified as verified.

[0016] In yet another embodiment, obtaining the corresponding order identifier to split into sub-orders includes:

[0017] Refund order information is obtained from the refund request to extract the corresponding order identifier set. Sub-order identifiers are identified from the order identifier set based on preset identifier keywords to determine the corresponding sub-order.

[0018] In yet another embodiment, before querying the business items of the business account within a preset time period based on the account information, the method further includes:

[0019] Based on the business identifier, query the balance of the corresponding business account and obtain the refund amount for the sub-order;

[0020] In response to the balance being greater than or equal to the refund amount, the refund procedure for the sub-order is executed through the business account.

[0021] In yet another embodiment, after executing the refund procedure for the sub-order through the business account, the method further includes:

[0022] In response to the successful refund of the sub-order, the refund details data of the sub-order are obtained to generate a refund details list, and the refund details list is synchronized to the clearing system.

[0023] In yet another embodiment, the method further includes:

[0024] Receive the order payment processing instruction, obtain the corresponding order identifier and payment information, execute the payment procedure corresponding to the order identifier, and trigger the order clearing instruction;

[0025] In response to the clearing instruction of the order, the sub-orders included in the order are obtained, and the corresponding business accounts and business items are queried to execute the clearing process.

[0026] To achieve the above objectives, according to another aspect of the present invention, an apparatus for processing business data is provided.

[0027] An apparatus for processing business data according to an embodiment of the present invention includes: an acquisition unit, configured to acquire a corresponding order identifier in response to a refund request for an order, so as to split the order into at least one sub-order;

[0028] The determining unit is used to query the business identifier corresponding to the sub-order to obtain the business items of the corresponding business account within a preset time period, so as to match them with a preset set of business items and determine the amount corresponding to the successfully matched business item;

[0029] The verification unit is used to obtain the refund information of the sub-order, and to perform refund verification of the business account based on the amount corresponding to the successfully matched business item and the refund information;

[0030] The refund unit is used to execute the refund procedure for the sub-order through the business account in response to a verification result that the verification passed.

[0031] In one embodiment, the preset set of business items includes a standard array of business items;

[0032] The determining unit is specifically used for:

[0033] Obtain each business item within the preset time period, call the preset template to generate a business item array, match it with the standard business item array, and determine the successfully matched business items;

[0034] Obtain the amount type and limit value of the successfully matched business item to calculate the amount corresponding to the successfully matched business item.

[0035] In yet another embodiment, the verification unit is specifically used for:

[0036] The refund amount for the sub-order is determined based on the refund information and compared with the amount corresponding to the successfully matched business item;

[0037] If the amount corresponding to the successfully matched business item is greater than or equal to the refund amount, the verification result of the business account is determined to be verified as verified; if the amount corresponding to the successfully matched business item is less than the refund amount, the verification result of the business account is determined to be verified as verified as verified as verified.

[0038] In yet another embodiment, the acquisition unit is specifically used for:

[0039] Refund order information is obtained from the refund request to extract the corresponding order identifier set. Sub-order identifiers are identified from the order identifier set based on preset identifier keywords to determine the corresponding sub-order.

[0040] In another embodiment, the acquisition unit is further configured to query the balance of the corresponding business account based on the business identifier and obtain the refund amount of the sub-order;

[0041] The refund unit is also configured to execute the refund procedure for the sub-order through the business account in response to the balance being greater than or equal to the refund amount.

[0042] In yet another embodiment, the apparatus further includes:

[0043] The generation unit is used to obtain the refund details data of the sub-order in response to the successful refund of the sub-order, generate a refund details list, and synchronize the refund details list to the clearing system.

[0044] In yet another embodiment, the apparatus further includes:

[0045] The triggering unit is used to receive the order payment processing instruction, obtain the corresponding order identifier and payment information, execute the payment procedure corresponding to the order identifier, and trigger the order clearing instruction;

[0046] The clearing unit is used to respond to the clearing instruction of the order, obtain the sub-orders included in the order, query the corresponding business accounts and business items, and execute the clearing process.

[0047] To achieve the above objectives, according to another aspect of the present invention, an electronic device is provided.

[0048] An electronic device according to an embodiment of the present invention includes: one or more processors; and a 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 implement the business data processing method provided in the embodiment of the present invention.

[0049] To achieve the above objectives, according to another aspect of the present invention, a computer-readable medium is provided.

[0050] An embodiment of the present invention provides a computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the business data processing method provided in the embodiment of the present invention.

[0051] To achieve the above objectives, according to another aspect of the present invention, a computer program product is provided.

[0052] A computer program product according to an embodiment of the present invention includes a computer program that, when executed by a processor, implements the business data processing method provided in the embodiment of the present invention.

[0053] One embodiment of the above invention has the following advantages or beneficial effects: In this embodiment, when a refund request for an order is received, the corresponding order identifier can be obtained first to separate the sub-orders that need to be refunded. Then, the business items of the corresponding business account within a preset time period can be obtained and matched with a preset set of business items to determine the successfully matched business items, that is, the business items that cause the amount of the business account to change. This allows the determination of the available amount corresponding to the business account. The business account can be verified using the available amount and refund information. If the verification passes, it indicates that the sub-order can be refunded, i.e., the refund procedure for the sub-order is executed. In this embodiment, for a refundable sub-order, the amount of the corresponding business account can be predetermined through the business item, and refund verification can be performed in conjunction with the refund information. After the sub-order can be refunded, the refund process is executed, thereby enabling the refund to be executed through the business account of the sub-order. This avoids the problem of complicated business data processing caused by refund payments through other business transactions, and improves the efficiency of business data processing.

[0054] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0055] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0056] Figure 1 This is a schematic diagram of a main flow of a business data processing method according to an embodiment of the present invention;

[0057] Figure 2 This is a schematic diagram of another main process of a business data processing method according to an embodiment of the present invention;

[0058] Figure 3 This is a schematic diagram of another main process of a business data processing method according to an embodiment of the present invention;

[0059] Figure 4 This is a schematic diagram of the main units of a business data processing apparatus according to an embodiment of the present invention;

[0060] Figure 5 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0061] Figure 6 This is a schematic diagram of the structure of a computer system suitable for implementing embodiments of the present invention. Detailed Implementation

[0062] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0063] It should be noted that, unless otherwise specified, the embodiments and features described in the present invention can be combined with each other. The acquisition, storage, use, and processing of data in the technical solutions of this application all comply with the relevant provisions of national laws and regulations.

[0064] This invention provides a business data processing system that can be used to process business payment and refund data.

[0065] This invention provides a method for processing business data, which can be executed by a business data processing system, such as... Figure 1 As shown, the method includes:

[0066] S101: In response to a refund request for an order, obtain the corresponding order identifier to split it into sub-orders.

[0067] The refund request for an order can be input from an external system and may include refund information. Since this embodiment of the invention allows for payment of business orders via a combined payment mode, and orders can also be cancelled via a combined payment method, the list of refund requests may include one or more sub-orders.

[0068] Specifically, in this embodiment of the invention, the refund request includes refund information, which may include the order information requiring a refund, such as the order identifier, refund amount, and refund item. In this step, the corresponding set of order identifiers can be extracted from the field names in the refund information. If the refund is for a sub-order, the order identifier for the refund may include the identifier of the sub-order requiring a refund. In this step, the sub-order identifier can be identified based on the identifier keywords of the sub-order to determine the sub-order requiring a refund. If the order being refunded is a complete main order, meaning that all sub-orders included in the main order are being refunded, the refund identifier may include the main order identifier. In this step, the main order identifier can be identified based on the identifier keywords, and then the included sub-orders can be queried to determine the sub-order requiring a refund.

[0069] It should be noted that in this embodiment of the invention, the order identifier can be generated based on preset keywords, that is, corresponding identifier keywords are set for the main order and sub-orders respectively. Therefore, the preset identifier keywords in this step can include the identifier keywords of the main order and the identifier keywords of the sub-orders, thereby enabling the identification of order identifiers in the order identifier set. In this step...

[0070] S102: Query the business identifier corresponding to the sub-order to obtain the business items of the corresponding business account within a preset time period, match them with the preset set of business items, and determine the amount corresponding to the successfully matched business item.

[0071] In this embodiment of the invention, each business order can be refined to the dimensions of merchant and merchant counter, and a corresponding account can be set for each merchant counter. Therefore, when making payment, the main order can be determined from the merchant dimension, and a sub-order can be determined from the merchant counter dimension. Each sub-order can correspond to an account, and a corresponding business identifier can be set for the sub-order based on the merchant counter, and a mapping relationship between the business identifier and the merchant counter can be established. Therefore, in this step, the business identifier corresponding to the order can be queried, and then the corresponding business account can be obtained.

[0072] In this embodiment of the invention, corresponding items can be set for different account transactions to represent the type of transaction. For example, the transaction item for order payment can be "payment," and the transaction item for order refund can be "refund." Since account balances are typically processed based on a preset period, this step can obtain the transaction items within a preset time period to represent each transaction item processed within the current preset period. Because some transaction items do not affect the account balance, this step can also determine the transaction items that affect the account balance from the transaction items within the preset time period based on a preset transaction item set. This involves matching the transaction items within the preset time period with the preset transaction item set, which can include transaction items that affect the account balance. Therefore, the successfully matched transaction items in this step can be represented as the transaction items that affect the account balance of the sub-order. After determining the successfully matched transaction items, the amount corresponding to the successfully matched transaction items can be calculated to represent the current balance of the sub-order's corresponding account.

[0073] Specifically, the preset set of business items includes a standard array of business items. This means that the elements in the standard array represent various business items related to account processing. Each business item corresponds one-to-one with the elements in the standard array according to a preset order. Business items that affect the account balance have a first value corresponding to them, while business items that do not affect the account balance have a second value corresponding to them. For example, the first value could be 1, and the second value could be 0. In this step, a preset template is used to generate the business item array. The preset template is based on the standard array of business items and includes the same number of elements. When generating the business item array, the elements in the standard array are arranged according to their corresponding business items. Within a preset time period, the element value corresponding to each business item is set to 1, and the remaining elements are set to 0. Thus, by finding the intersection of the standard array and the business item array, the successfully matched business items can be identified.

[0074] For each business item within a preset time period, the corresponding amount type and limit value can be obtained. The amount type can include increasing amount and decreasing amount. Increasing amount indicates a business item that increases the amount in the account, and decreasing amount indicates a business item that decreases the amount in the account. Then, a business item array can be generated by calling a preset template. The preset template is predetermined, where "+" indicates the amount type for increasing amount and "-" indicates the amount type for decreasing amount. The limit value of the business item indicates the limit value of the account for this business item processing. Based on the amount type and limit value, the amount corresponding to the successfully matched business item can be calculated.

[0075] S103: Obtain the refund information for the sub-order, and perform refund verification for the business account based on the amount and refund information corresponding to the successfully matched business item.

[0076] The refund request can be used to determine the refund information for each sub-order, and thus the refund amount can be determined. Therefore, in this step, the refund verification of the business account can be performed based on the refund amount and the amount corresponding to the successfully matched business item.

[0077] To avoid using payments from other services when processing sub-order refunds, this step verifies the refund amount in the business account. Specifically, it determines whether the account corresponding to the sub-order has sufficient funds to cover the refund amount for that sub-order. If it does, the verification is successful; otherwise, it fails. Therefore, this step can be executed as follows: Determine the refund amount for the sub-order based on the refund information and compare it with the amount corresponding to the successfully matched business item; if the amount corresponding to the successfully matched business item is greater than or equal to the refund amount, the verification result for the business account is determined to be successful; if the amount corresponding to the successfully matched business item is less than the refund amount, the verification result for the business account is determined to be unsuccessful.

[0078] S104: In response to a successful verification result, execute the refund procedure for the sub-order through the business account.

[0079] If the verification result is "verification passed," it means the sub-order's account can fulfill the sub-order's refund request. Therefore, in this step, in response to the "verification passed" result, the refund procedure for the sub-order is executed through the business account, i.e., the sub-order is refunded. If the verification result is "verification passed," it means the sub-order's account cannot fulfill the sub-order's refund request, so it can be determined that the sub-order's refund has failed.

[0080] It should be noted that, in this embodiment of the invention, when the balance of the account corresponding to the sub-order can be updated in a timely manner, the account verification can be performed directly based on the account balance and the refund amount. That is, after obtaining the business identifier in step S10, the balance of the corresponding business account and the refund amount of the sub-order can be queried based on the business identifier, and then the balance and the refund amount can be compared. If the balance is less than the refund amount, it means that the account verification fails, and the refund of the sub-order fails; if the balance is greater than or equal to the refund amount, it means that the account verification passes, and the refund procedure for the sub-order can be executed through the business account.

[0081] In this embodiment of the invention, after a sub-order is successfully refunded, a refund detail list can be generated based on the refund detail data of the sub-order. This list can then be synchronized to the clearing system, allowing the clearing system to perform business data archiving and other processing on the sub-order and its account. The refund detail list can be generated in a pre-configured manner.

[0082] In this embodiment of the invention, before executing step S101, an order payment processing instruction can be received, i.e., order payment can be executed. Therefore, after receiving the order payment processing instruction, the order identifier and payment information corresponding to the processing instruction can be obtained. The order identifier indicates which order is being processed for payment, and the payment information indicates the information required to execute the payment, such as the payment account, payment amount, etc. Thus, the order identifier and payment information are used to execute the payment procedure corresponding to the order identifier. Simultaneously, an order clearing instruction can be triggered after payment is completed. The clearing instruction can be triggered after successful payment or at a set time; this is not limited in this embodiment. After the order clearing instruction is triggered, the sub-orders included in the order can be obtained, and then the clearing process can be executed based on the business account and business item corresponding to the sub-order.

[0083] In this invention, for a sub-order that is being refunded, the amount of the corresponding business account can be predetermined through the business item. This is then combined with the refund information for refund verification. Once the sub-order is eligible for a refund, the refund process is executed. This allows the refund to be processed through the business account of the sub-order, avoiding the problem of complicated business data processing caused by refund payments through other business transactions and improving the efficiency of business data processing.

[0084] The following is combined with Figure 1 The illustrated embodiments provide a detailed description of the business data processing method in this invention, such as... Figure 2 As shown, the method includes:

[0085] S201: In response to a refund request for an order, obtain the corresponding order identifier to split it into sub-orders.

[0086] S202: Query the business identifier corresponding to the sub-order to obtain the business items of the corresponding business account within a preset time period.

[0087] S203: Call the preset template to generate an array of business items, match it with the standard array of business items, and determine the business items that match successfully.

[0088] S204: Obtain the amount type and limit value of the successfully matched business items in order to calculate the amount corresponding to the successfully matched business items.

[0089] S205: Obtain the refund information for the sub-order, and perform refund verification for the business account based on the amount and refund information corresponding to the successfully matched business item.

[0090] S206: In response to a successful verification result, execute the refund procedure for the sub-order through the business account.

[0091] S207: In response to the verification result being that the verification failed, the refund for the sub-order is determined to have failed.

[0092] It should be noted that the data processing principle in the embodiments of the present invention is the same as... Figure 1 The data processing principles in the illustrated embodiments are the same, and will not be repeated here.

[0093] The following is combined with Figure 1 The illustrated embodiments provide a detailed description of the business data processing method in this invention, such as... Figure 3 As shown, the method includes:

[0094] S301: In response to a refund request for an order, obtain the corresponding order identifier to split it into sub-orders.

[0095] S302: Query the business identifier corresponding to the sub-order, query the balance of the corresponding business account based on the business identifier, and obtain the refund amount of the sub-order.

[0096] S303: Get the refund amount for the sub-order.

[0097] S304: Determine if the balance is less than the refund amount. If yes, proceed to step S306; otherwise, proceed to step S305.

[0098] S305: Execute the refund procedure for a sub-order through the business account.

[0099] S306: Refund for sub-order confirmed to have failed.

[0100] It should be noted that the data processing principle in the embodiments of the present invention is the same as... Figure 1 The data processing principles in the illustrated embodiments are the same, and will not be repeated here.

[0101] To address the problems existing in the prior art, embodiments of the present invention provide a business data processing apparatus 400, such as... Figure 4 As shown, the device 400 includes:

[0102] The acquisition unit 401 is used to obtain the corresponding order identifier in response to the refund request of the order, so as to split it into sub-orders;

[0103] The determining unit 402 is used to query the business identifier corresponding to the sub-order to obtain the business items of the corresponding business account within a preset time period, so as to match them with the preset set of business items and determine the amount corresponding to the successfully matched business item;

[0104] Verification unit 403 is used to obtain the refund information of the sub-order, and to perform refund verification of the business account based on the amount corresponding to the successfully matched business item and the refund information;

[0105] Refund unit 404 is used to execute the refund procedure for the sub-order through the business account in response to a verification result that the verification passed.

[0106] It should be understood that the manner in which embodiments of the present invention are implemented is different from the implementation method. Figure 1 The embodiments shown are the same and will not be described again here.

[0107] In one embodiment, the preset set of business items includes a standard array of business items;

[0108] The determining unit 402 is specifically used for:

[0109] Obtain each business item within the preset time period, call the preset template to generate a business item array, match it with the standard business item array, and determine the successfully matched business items;

[0110] Obtain the amount type and limit value of the successfully matched business item to calculate the amount corresponding to the successfully matched business item.

[0111] In yet another embodiment, the verification unit 403 is specifically used for:

[0112] The refund amount for the sub-order is determined based on the refund information and compared with the amount corresponding to the successfully matched business item;

[0113] If the amount corresponding to the successfully matched business item is greater than or equal to the refund amount, the verification result of the business account is determined to be verified as verified; if the amount corresponding to the successfully matched business item is less than the refund amount, the verification result of the business account is determined to be verified as verified as verified as verified.

[0114] In yet another embodiment, the acquisition unit 401 is specifically used for:

[0115] Refund order information is obtained from the refund request to extract the corresponding order identifier set. Sub-order identifiers are identified from the order identifier set based on preset identifier keywords to determine the corresponding sub-order.

[0116] In another embodiment, the acquisition unit 401 is further configured to query the balance of the corresponding business account based on the business identifier and obtain the refund amount of the sub-order;

[0117] The refund unit is also configured to execute the refund procedure for the sub-order through the business account in response to the balance being greater than or equal to the refund amount.

[0118] In yet another embodiment, the device 400 further includes:

[0119] The generation unit is used to obtain the refund details data of the sub-order in response to the successful refund of the sub-order, generate a refund details list, and synchronize the refund details list to the clearing system.

[0120] In yet another embodiment, the device 400 further includes:

[0121] The triggering unit is used to receive the order payment processing instruction, obtain the corresponding order identifier and payment information, execute the payment procedure corresponding to the order identifier, and trigger the order clearing instruction;

[0122] The clearing unit is used to respond to the clearing instruction of the order, obtain the sub-orders included in the order, query the corresponding business accounts and business items, and execute the clearing process.

[0123] It should be understood that the manner in which embodiments of the present invention are implemented is different from the implementation method. Figure 1 , 2 The method is the same as that shown in embodiment 3, and will not be repeated here.

[0124] In this invention, for a sub-order that is being refunded, the amount of the corresponding business account can be predetermined through the business item. This is then combined with the refund information for refund verification. Once the sub-order is eligible for a refund, the refund process is executed. This allows the refund to be processed through the business account of the sub-order, avoiding the problem of complicated business data processing caused by refund payments through other business transactions and improving the efficiency of business data processing.

[0125] According to embodiments of the present invention, an electronic device and a readable storage medium are also provided.

[0126] An electronic device according to an embodiment of the present invention includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to cause the at least one processor to perform the business data processing method provided in the embodiment of the present invention.

[0127] Figure 5 An exemplary system architecture 500 is shown, which can be applied to a method or apparatus for processing business data according to embodiments of the present invention.

[0128] like Figure 5 As shown, system architecture 500 may include terminal devices 501, 502, and 503, a network 504, and a server 505. Network 504 serves as the medium for providing communication links between terminal devices 501, 502, and 503 and server 505. Network 504 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0129] Users can use terminal devices 501, 502, and 503 to interact with server 505 via network 504 to receive or send messages, etc. Various client applications can be installed on terminal devices 501, 502, and 503.

[0130] Terminal devices 501, 502, and 503 can be, but are not limited to, smartphones, tablets, laptops, and desktop computers, etc.

[0131] Server 505 can be a server that provides various services. The server can analyze and process data such as received product information query requests, and feed back the processing results (such as product information - just an example) to the terminal device.

[0132] It should be noted that the business data processing method provided in the embodiments of the present invention is generally executed by server 505, and correspondingly, the business data processing device is generally located in server 505.

[0133] It should be understood that Figure 5 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.

[0134] The following is for reference. Figure 6 It shows a schematic diagram of the structure of a computer system 600 suitable for implementing embodiments of the present invention. Figure 6 The computer system shown is merely an example and should not be construed as limiting the functionality and scope of use of the embodiments of the present invention.

[0135] like Figure 6 As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 602 or programs loaded from storage section 608 into random access memory (RAM) 603. The RAM 603 also stores various programs and data required for the operation of the system 600. The CPU 601, ROM 602, and RAM 603 are interconnected via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0136] The following components are connected to I / O interface 605: an input section 606 including a keyboard, mouse, etc.; an output section 607 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to I / O interface 605 as needed. A removable medium 611, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 610 as needed so that computer programs read from it can be installed into storage section 608 as needed.

[0137] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 609, and / or installed from removable medium 611. When the computer program is executed by central processing unit (CPU) 601, it performs the functions defined above in the system of this invention.

[0138] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0139] 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 the present invention. In this regard, each block in a flowchart or block diagram may represent a unit, 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.

[0140] The units described in the embodiments of the present invention can be implemented in software or hardware. The described units can also be housed in a processor; for example, a processor may be described as including an acquisition unit, a determination unit, a verification unit, and a refund unit. The names of these units do not necessarily limit the specific unit; for example, the acquisition unit may also be described as a "unit that identifies the acquisition function."

[0141] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to perform the business data processing method provided by the present invention.

[0142] In another aspect, the present invention also provides a computer program product, including a computer program that, when executed by a processor, implements the business data processing method provided in the embodiments of the present invention.

[0143] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A method for processing business data, characterized in that, include: In response to a refund request for an order, the corresponding order identifier is obtained and the order is split into sub-orders. Each business order is further refined to the merchant dimension and the merchant counter dimension. The main order is determined by the merchant dimension, and a sub-order is determined by the merchant counter dimension. Each sub-order corresponds to an account. A corresponding business identifier is set for the sub-order, and a mapping relationship between the business identifier and the merchant counter is established. Query the business identifier corresponding to the sub-order to obtain the business items of the corresponding business account within a preset time period. To determine the amount corresponding to a successfully matched business item by matching it with a preset set of business items, the method includes: obtaining each business item within the preset time period; calling a preset template to generate a business item array; matching the business item standard array with the array of business items to determine the successfully matched business items; obtaining the amount type and limit value of the successfully matched business items to calculate the amount corresponding to the successfully matched business items; the preset set of business items includes a business item standard array. Obtain the refund information of the sub-order, and perform refund verification of the business account based on the amount corresponding to the successfully matched business item and the refund information; If the verification result is successful, the refund procedure for the sub-order is executed through the business account; The step of obtaining the corresponding order identifier to split into sub-orders includes: obtaining refund order information from the refund request to extract the corresponding order identifier set, identifying sub-order identifiers from the order identifier set based on preset identifier keywords to determine the corresponding sub-orders; wherein, corresponding identifier keywords are set for the main order and sub-orders respectively, and the preset identifier keywords include the identifier keywords of the main order and the identifier keywords of the sub-orders; and the order is refunded by merging the transaction. The method further includes: receiving an order payment processing instruction, obtaining the corresponding order identifier and payment information, executing the payment procedure corresponding to the order identifier, and triggering the order clearing instruction; responding to the order clearing instruction, obtaining the sub-orders included in the order, querying the corresponding business accounts and business items, and executing the clearing process; and making business order payments through a combined payment mode.

2. The method according to claim 1, characterized in that, Based on the account information and the refund information, perform a refund verification for the business account, including: The refund amount for the sub-order is determined based on the refund information and compared with the amount corresponding to the successfully matched business item; If the amount corresponding to the successfully matched business item is greater than or equal to the refund amount, the verification result of the business account is determined to be verified as verified; if the amount corresponding to the successfully matched business item is less than the refund amount, the verification result of the business account is determined to be verified as verified as verified as verified.

3. The method according to claim 1, characterized in that, Before querying the business items of the business account within a preset time period based on account information, the process also includes: Based on the business identifier, query the balance of the corresponding business account and obtain the refund amount for the sub-order; In response to the balance being greater than or equal to the refund amount, the refund procedure for the sub-order is executed through the business account.

4. The method according to claim 1, characterized in that, After the refund process for the sub-order is executed through the business account, it also includes: In response to the successful refund of the sub-order, the refund details data of the sub-order are obtained to generate a refund details list, and the refund details list is synchronized to the clearing system.

5. An apparatus for processing business data, characterized in that, include: The acquisition unit is used to respond to a refund request for an order, obtain the corresponding order identifier, and split it into sub-orders. Each business order is further refined to the merchant dimension and the merchant counter dimension. The main order is determined by the merchant dimension, and a sub-order is determined by the merchant counter dimension. Each sub-order corresponds to an account. A corresponding business identifier is set for the sub-order, and a mapping relationship between the business identifier and the merchant counter is established. The determining unit is used to query the business identifier corresponding to the sub-order to obtain the business items of the corresponding business account within a preset time period, so as to match them with the preset set of business items and determine the amount corresponding to the successfully matched business item; The verification unit is used to obtain the refund information of the sub-order, and to perform refund verification of the business account based on the amount corresponding to the successfully matched business item and the refund information; The refund unit is used to execute the refund procedure for the sub-order through the business account in response to a verification result that the verification passed. The preset set of business items includes a standard array of business items; the determining unit is specifically used for: obtaining each business item within the preset time period, calling a preset template to generate a business item array to match with the standard array of business items, and determining the successfully matched business items; obtaining the amount type and limit value of the successfully matched business items to calculate the amount corresponding to the successfully matched business items; The acquisition unit is specifically used for: acquiring refund order information from the refund request to extract the corresponding order identifier set, identifying sub-order identifiers from the order identifier set based on preset identifier keywords to determine the corresponding sub-order; wherein, corresponding identifier keywords are set for the main order and sub-order respectively, and the preset identifier keywords include the identifier keywords of the main order and the identifier keywords of the sub-order; and performing order cancellation by merging the transaction. The triggering unit is used to receive the order payment processing instruction, obtain the corresponding order identifier and payment information, execute the payment procedure corresponding to the order identifier, and trigger the clearing instruction of the order; the clearing unit is used to respond to the clearing instruction of the order, obtain the sub-orders included in the order, query the corresponding business accounts and business items, and execute the clearing process; and to conduct business order payment through the combined payment mode.

6. The apparatus according to claim 5, characterized in that, The verification unit is specifically used for: The refund amount for the sub-order is determined based on the refund information and compared with the amount corresponding to the successfully matched business item; In response to the fact that the amount corresponding to the successfully matched business item is greater than or equal to the refund amount, the verification result of the business account is determined to be verified as passed; If the amount corresponding to the successfully matched business item is less than the refund amount, the verification result of the business account is determined to be verification failure.

7. The apparatus according to claim 5, characterized in that, The acquisition unit is also used to query the balance of the corresponding business account based on the business identifier and obtain the refund amount of the sub-order; The refund unit is also configured to execute the refund procedure for the sub-order through the business account in response to the balance being greater than or equal to the refund amount.

8. An electronic device, characterized in that, include: One or more processors; Storage device 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 method as described in any one of claims 1-4.

9. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-4.

10. A computer program product, comprising a computer program, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-4.

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