Face withholding transaction processing method applied to restaurant consumption scene in K12 education stage
By incorporating preset limits in the consumer terminal, we can judge whether the transaction is successful and reconcile with the payment platform after the network is unobstructed, the transaction timeout problem caused by the instability of the network during the peak dining of restaurants in the K12 education stage is solved, and users can quickly complete payment without any sense of concern and reduce management costs.
Patent Information
- Application Number
- CN202411811453.2
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-12-10
- Publication Date
- 2025-03-28
AI Technical Summary
The existing technology During the peak dining period of restaurants in K12 education, due to transaction timeout problems caused by network instability, students are unable to complete payments quickly, which may generate multiple payment records, affecting dining efficiency and increasing management costs.
By incorporating preset limits in the consumer terminal, we can judge whether the transaction is successful, and reconcile with the payment platform after the network is unobstructed, and determine whether to deduct or refund based on the reconciliation results, so that users can complete payments quickly without any concerns.
In an unstable environment of network, consumer terminals can independently judge whether the transaction is successful, reduce the possibility of repeated payments, quickly complete payments, reduce management costs, and improve user experience.
Smart Images
Figure CN119722316A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the technical field of facial deduction transactions, and in particular to a facial deduction transaction processing method applied to restaurant consumption scenarios in the K12 education stage. Background Art
[0002] The existing restaurant card facial deduction transaction processing method for the K12 education stage is that the student completes the identity verification by scanning the face at the consumption terminal, and the platform applies for meal payment to the deduction agency signed by the consumer and returns the transaction result. This method has no problem in the scenario where the network is stable and the payment result can be received in real time, but there is a transaction timeout problem caused by unstable network, especially during the peak dining period.
[0003] K12 users have relatively concentrated meal times and need to quickly complete payment and pick up meals. Failed transactions may have been successfully processed on the platform, but students do not have mobile phones and cannot query the actual results. Terminal queries will affect meal efficiency, or the terminal may be disconnected from the Internet and unable to query the results. Students can only pay again, which may generate multiple payment records.
[0004] In order to solve the above problems, people have been seeking an ideal technical solution. Summary of the invention
[0005] The purpose of the present invention is to address the deficiencies in the prior art and to provide a facial deduction transaction processing method for restaurant consumption scenarios in the K12 education stage.
[0006] In order to achieve the above object, the technical solution adopted by the present invention is: A first aspect provides a facial recognition transaction processing method for restaurant consumption scenarios in the K12 education stage, which is applied to an all-in-one card platform. The facial recognition transaction processing method includes the following steps: After receiving the transaction record, determine whether there is a timeout mark in the transaction record. For transaction records with timeout marks, query the target account record in the account record database according to the terminal ID, transaction time, and user information in the transaction record, compare the deduction status in the target account record with the transaction status in the corresponding transaction record, and trigger the payment platform to call the payment institution to deduct or refund according to the comparison result; Among them, the timeout mark is added to the current transaction record by the consumer terminal when the transaction result is not received within the time limit, and the transaction status in the current transaction record is set according to whether the cumulative transaction amount in the preset time period reaches the preset limit transaction record: if the cumulative transaction amount in the preset time period reaches the preset limit, the transaction status of the current transaction record is set to transaction failure; otherwise, the transaction status of the current transaction record is set to transaction success.
[0007] Furthermore, the payment platform is triggered to call the payment institution to deduct or refund according to the comparison result, including: If the transaction status and deduction status are consistent, the payment platform action will not be triggered; If the transaction status and deduction status are inconsistent, further determine whether the transaction status and deduction status meet the deduction conditions or refund conditions: When the transaction status is successful and the deduction status is failed, it is determined that the deduction conditions are met, triggering the payment platform to call the payment institution to deduct the fees; If the transaction status is failed and the deduction status is successful, it is determined that the refund conditions are met, triggering the payment platform to call the payment institution for a refund.
[0008] The second aspect provides a facial recognition transaction processing system for restaurant consumption scenarios in the K12 education stage, including: The consumption terminal has a preset limit built in. When the transaction result is not received within the time limit, it is added to the current transaction record, and the transaction status in the current transaction record is set according to whether the cumulative transaction amount in the preset time period reaches the preset limit transaction record: if the cumulative transaction amount in the preset time period reaches the preset limit, the transaction status of the current transaction record is set to transaction failure; otherwise, the transaction status of the current transaction record is set to transaction success; wherein the preset limit is the consumption amount within the preset time period; Payment platform, used for reconciliation with payment institutions; The one-card platform is used to determine whether there is a timeout mark in the transaction record after receiving the transaction record. For transaction records with timeout marks, the target account record is queried in the account record library according to the terminal ID, transaction time, and user information in the transaction record, and the deduction status in the target account record is compared with the transaction status in the corresponding transaction record. According to the comparison result, the payment platform is triggered to call the payment institution to deduct or refund.
[0009] Compared with the prior art, the present invention has outstanding substantive features and significant progress. Specifically, the present invention allows the consumer terminal to autonomously determine whether a transaction is successful based on a preset limit in an unstable network environment, and reconcile with the payment platform after the network is unobstructed, and determines whether to deduct or refund based on the reconciliation result, thereby enabling users to complete payments quickly and seamlessly in an unstable network environment, reducing subsequent transaction disputes and manual processing costs caused by repeated payments, effectively reducing management costs, and improving user experience. BRIEF DESCRIPTION OF THE DRAWINGS
[0010] Figure 1 It is a schematic diagram of the process of the present invention. DETAILED DESCRIPTION
[0011] The technical solution of the present invention is further described in detail below through specific implementation methods.
[0012] Example 1 This embodiment provides a facial recognition transaction processing method for restaurant consumption scenarios in the K12 education stage, which is applied to the one-card platform, such as Figure 1 As shown, the facial deduction transaction processing method includes the following steps: After receiving the transaction record, determine whether there is a timeout mark in the transaction record. For transaction records with timeout marks, query the target account record in the account record database according to the terminal ID, transaction time, and user information in the transaction record, compare the deduction status in the target account record with the transaction status in the corresponding transaction record, and trigger the payment platform to call the payment institution to deduct or refund according to the comparison result; Among them, the timeout mark is added to the current transaction record by the consumer terminal when the transaction result is not received within the time limit, and the transaction status in the current transaction record is set according to whether the cumulative transaction amount in the preset time period reaches the preset limit transaction record: if the cumulative transaction amount in the preset time period reaches the preset limit, the transaction status of the current transaction record is set to transaction failure; otherwise, the transaction status of the current transaction record is set to transaction success.
[0013] Specifically, the transaction record includes at least the terminal ID, user information (student ID number, card number, etc.), transaction amount, transaction time and transaction status; the transaction status includes at least transaction failure, transaction success, etc.
[0014] It should be noted that the preset limit is set in advance by the paying user through the one-card platform and is ultimately sent down and stored in the parameters of the consumer terminal. This allows the consumer terminal to make preliminary judgments based on the preset limit in an unstable network environment to reduce the possibility of duplicate payments.
[0015] It is understandable that in a stable network environment, consumer terminals are not affected by preset limits because they can obtain transaction results in a timely manner.
[0016] Specifically, the comparison result triggers the payment platform to call the payment institution to deduct or refund, including: If both the transaction status and the deduction status are successful or both are failed, it means that the transaction record of the consumer terminal and the account information of the card are consistent, so there is no need to deduct or refund again, so there is no need to send the comparison result to the payment platform; If the transaction status is successful and the deduction status is failed, it means that the consumption at the consumer terminal is normal, but the payment platform has not made a successful payment. Therefore, it is necessary to trigger the payment platform to call the payment institution to deduct the fee. If the transaction status is failed and the deduction status is successful, it means that the consumption terminal has not consumed normally, but the payment platform has successfully deducted the fee. At this time, it is necessary to trigger the payment platform to call the payment institution for a refund.
[0017] Furthermore, a timeout may occur when the payment institution is processing a payment, causing the One Card Platform to process the payment as a timeout. However, the payment institution may make the payment successfully and notify the payment platform during reconciliation.
[0018] To solve the above problem, when receiving the deposit notification from the payment institution, the deduction is recorded as failed; When receiving the statement from the payment institution, determine whether to process a refund based on the payment status actually recorded in the statement.
[0019] Specifically, when the payment status actually recorded in the statement is successful, the payment platform is triggered to call the payment institution for a refund; otherwise, no action is taken.
[0020] Example 2 This embodiment provides a facial recognition transaction processing system for restaurant consumption scenarios in the K12 education stage, including: The consumption terminal has a preset limit built in. When the transaction result is not received within the time limit, it is added to the current transaction record, and the transaction status in the current transaction record is set according to whether the cumulative transaction amount in the preset time period reaches the preset limit transaction record: if the cumulative transaction amount in the preset time period reaches the preset limit, the transaction status of the current transaction record is set to transaction failure; otherwise, the transaction status of the current transaction record is set to transaction success; wherein the preset limit is the consumption amount within the preset time period; Payment platform, used to call payment institutions for refunds or deductions, and to reconcile accounts with payment institutions; The one-card platform is used to determine whether there is a timeout mark in the transaction record after receiving the transaction record. For transaction records with timeout marks, the target account record is queried in the account record library according to the terminal ID, transaction time, and user information in the transaction record, and the deduction status in the target account record is compared with the transaction status in the corresponding transaction record. According to the comparison result, the payment platform is triggered to call the payment institution to deduct or refund.
[0021] In one embodiment, triggering the payment platform to call the payment institution to deduct or refund according to the comparison result includes: If both the transaction status and the deduction status are successful or both the transaction status and the deduction status are failed, the payment platform action will not be triggered; If the transaction status is successful and the deduction status is failed, the payment platform will be triggered to call the payment institution to deduct the fee; If the transaction status is failed and the deduction status is successful, the payment platform will be triggered to call the payment institution for a refund.
[0022] In another embodiment, a timeout may occur when the payment institution is processing a payment, causing the card platform to process the payment as a timeout, but the payment institution may succeed in the payment and notify the payment platform during reconciliation.
[0023] In response to this situation, when the payment platform has not received the deduction result from the payment institution for a long time, it will send an account entry notification to the One Card Platform. The One Card Platform will record the deduction failure and return the transaction result of the failed transaction to the consumer terminal. After the One Card Platform receives the statement from the payment institution, it determines whether to process a refund based on the payment status actually recorded in the statement. When the payment status is successful and the deduction result in the account entry record is a failure, the payment platform is triggered to call the payment institution for a refund; otherwise, no action is taken.
[0024] Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, ordinary technicians in the field should understand that the specific implementation methods of the present invention can still be modified or some technical features can be replaced by equivalents without departing from the spirit of the technical solution of the present invention, which should be included in the scope of the technical solution for protection of the present invention.
Claims
1. A facial recognition transaction processing method for restaurant consumption scenarios in the K12 education stage, applied to the one-card platform, characterized by: After receiving the transaction record, determine whether there is a timeout mark in the transaction record. For transaction records with timeout marks, query the target account record in the account record database according to the terminal ID, transaction time, and user information in the transaction record, compare the deduction status in the target account record with the transaction status in the corresponding transaction record, and trigger the payment platform to call the payment institution to deduct or refund according to the comparison result; Among them, the timeout mark is added to the current transaction record by the consumer terminal when the transaction result is not received within the time limit, and the transaction status in the current transaction record is set according to whether the cumulative transaction amount in the preset time period reaches the preset limit transaction record: if the cumulative transaction amount in the preset time period reaches the preset limit, the transaction status of the current transaction record is set to transaction failure; otherwise, the transaction status of the current transaction record is set to transaction success.
2. According to claim 1, a facial recognition transaction processing method applied to restaurant consumption scenarios in the K12 education stage is characterized by: The comparison result triggers the payment platform to call the payment institution to deduct or refund, including: If the transaction status and deduction status are consistent, the payment platform action will not be triggered; If the transaction status and deduction status are inconsistent, further determine whether the transaction status and deduction status meet the deduction conditions or refund conditions: When the transaction status is successful and the deduction status is failed, it is determined that the deduction conditions are met, triggering the payment platform to call the payment institution to deduct the fees; If the transaction status is failed and the deduction status is successful, it is determined that the refund conditions are met, triggering the payment platform to call the payment institution for a refund.
3. According to claim 1 or 2, a facial recognition transaction processing method applied to restaurant consumption scenarios in the K12 education stage is characterized by: When receiving the payment notification from the payment institution, the payment is recorded as failed; When receiving the statement from the payment institution, determine whether to process a refund based on the payment status actually recorded in the statement.
4. A facial recognition transaction processing system for restaurant consumption scenarios in the K12 education stage, characterized in that: include: The consumption terminal has a preset limit built in. When the transaction result is not received within the time limit, it is added to the current transaction record, and the transaction status in the current transaction record is set according to whether the cumulative transaction amount in the preset time period reaches the preset limit transaction record: if the cumulative transaction amount in the preset time period reaches the preset limit, the transaction status of the current transaction record is set to transaction failure; otherwise, the transaction status of the current transaction record is set to transaction success; wherein the preset limit is the consumption amount within the preset time period; Payment platform, used for reconciliation with payment institutions; The one-card platform is used to determine whether there is a timeout mark in the transaction record after receiving the transaction record. For transaction records with timeout marks, the target account record is queried in the account record library according to the terminal ID, transaction time, and user information in the transaction record, and the deduction status in the target account record is compared with the transaction status in the corresponding transaction record. According to the comparison result, the payment platform is triggered to call the payment institution to deduct or refund.
5. According to claim 4, a facial recognition transaction processing system for restaurant consumption scenarios in the K12 education stage is characterized by: The comparison result triggers the payment platform to call the payment institution to deduct or refund, including: If both the transaction status and the deduction status are successful or both the transaction status and the deduction status are failed, the payment platform action will not be triggered; If the transaction status is successful and the deduction status is failed, the payment platform will be triggered to call the payment institution to deduct the fee; If the transaction status is failed and the deduction status is successful, the payment platform will be triggered to call the payment institution for a refund.