Fund flow processing method, device and equipment and storage medium thereof
By receiving and parsing transaction requests, identifying risk values and cash flow data, and utilizing regulatory accounts and processing interfaces to process refund requests, the problems of low efficiency and high manual intervention in the traditional refund process are resolved, enabling fast and effective goodwill refund processing.
Patent Information
- Application Number
- CN202510810569.2
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-06-17
- Publication Date
- 2025-10-10
AI Technical Summary
While the business volume remains unchanged, the amount of refund data has increased exponentially. The traditional refund process requires a lot of manual intervention and is inefficient. The cross-border refund cycle is long and the exchange rate loss is large. It is difficult to coordinate refunds on multiple platforms. In addition, users are prone to clicking errors when paying, resulting in low efficiency in processing massive refund data.
By receiving the target processing request, parsing and identifying the risk value and capital flow data information, if the risk value is the target risk value, it is forwarded to the manual verification end. If it is not the target risk value, the capital flow status is identified through the regulatory account, different processing interfaces are called to process the request, and processing feedback information is received, and a relative processing task is created to complete the refund request.
It avoids malicious refund operations, enables quick and easy refund processing, improves refund processing efficiency, and reduces manual intervention. It is suitable for payment refund scenarios between both parties in online transactions and bank regulators.
Smart Images
Figure CN120765233A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of data processing technology, and is applied to payment and refund scenarios between transaction parties and bank regulators in online transactions, and involves a fund flow processing method, apparatus, equipment, and storage medium thereof. Background Art
[0002] While the business volume remains unchanged, the amount of payment and collection business data has increased exponentially, and the amount of refund data has also increased exponentially.
[0003] The traditional refund process is characterized by high manual intervention and low efficiency. Cross-border refunds are time-consuming, exchange rate losses are significant, and multi-platform refund coordination is difficult. In the massive e-commerce order processing process, large e-commerce companies may have many warehouses across the country. When running promotions (for example, buying product A and giving away product B, or giving away related gifts when purchasing multiple main products that meet certain requirements), merchants may link products from multiple warehouses together for promotion. This can easily lead to users making mistakes when checking out, and often involves massive amounts of refund data. Therefore, how to minimize manual intervention and improve the processing efficiency of good-faith refunds or compliant refunds has become an urgent problem that needs to be solved. Summary of the Invention
[0004] The purpose of the embodiments of the present application is to propose a method, device, equipment and storage medium for cash flow processing, so as to avoid manual intervention as much as possible and improve the processing efficiency of good faith refunds or compliant refunds.
[0005] In a first aspect, the present invention provides a method for processing cash flow, which adopts the following technical solution:
[0006] A method for processing capital flow comprises the following steps:
[0007] Receive target processing request;
[0008] parsing the target processing request to identify a risk value of the target processing request and fund flow data information involved in the target processing request;
[0009] If the risk value of the target processing request is the target risk value, forwarding the target processing request to a manual verification end;
[0010] If the risk value of the target processing request is not the target risk value, identifying the flow status of the target funds corresponding to the fund flow data information through a preset regulatory account;
[0011] If the circulation status of the target funds is in the supervision and undistributed state, calling a preset first processing interface to process the target processing request;
[0012] If the circulation status of the target funds is in the state of having been distributed after supervision, calling a preset second processing interface to process the target processing request, and receiving processing feedback information of the second processing interface;
[0013] If the processing feedback information indicates an unsuccessful processing state, a relative processing task is created for the target processing request, and the relative processing task is executed to complete the target processing request.
[0014] In a second aspect, the present application also provides a fund flow processing device, which adopts the following technical solution:
[0015] A fund flow processing device, comprising:
[0016] A request receiving module, used for receiving a target processing request;
[0017] a parsing and identifying module, configured to parse the target processing request to identify the risk value of the target processing request and the fund flow data information involved in the target processing request;
[0018] a first branch processing module, configured to forward the target processing request to a manual verification end if the risk value of the target processing request is a target risk value;
[0019] a second branch processing module configured to identify the flow status of the target funds corresponding to the fund flow data information through a preset regulatory account if the risk value of the target processing request is not the target risk value;
[0020] A first processing interface processing module is configured to call a preset first processing interface to process the target processing request if the circulation status of the target funds is in a supervision-undistributed state;
[0021] a second processing interface processing module configured to, if the circulation status of the target funds is in the distributed state after supervision, call a preset second processing interface to process the target processing request and receive processing feedback information of the second processing interface;
[0022] The relative processing task creation and execution module is used to create a relative processing task for the target processing request if the processing feedback information is in an unprocessed state, and execute the relative processing task to complete the target processing request.
[0023] In a third aspect, an embodiment of the present application further provides a computer device that adopts the following technical solution:
[0024] A computer device includes a memory and a processor, wherein the memory stores computer-readable instructions, and the processor implements the steps of the above-mentioned fund flow processing method when executing the computer-readable instructions.
[0025] In a fourth aspect, an embodiment of the present application further provides a computer-readable storage medium, which adopts the following technical solution:
[0026] A computer-readable storage medium stores computer-readable instructions, which, when executed by a processor, implement the steps of the cash flow processing method as described above.
[0027] Compared with the prior art, the embodiments of the present application have the following beneficial effects:
[0028] The cash flow processing method described in the present application receives a target processing request; parses to identify the risk value of the target processing request and the cash flow data information involved; if the risk value is the target risk value, the target processing request is forwarded to the manual verification end; if the risk value is not the target risk value, the flow status of the target funds corresponding to the cash flow data information is identified through a preset regulatory account; according to the different flow statuses, different processing interfaces are called to process the target processing request; and processing feedback information of the target processing interface is received; relative processing tasks are created for the processing feedback information and the target processing request, and the relative processing tasks are executed to complete the target processing request. When the cash flow processing method is applied to online transactions, the transaction parties and the bank regulators can avoid malicious refunds or illegal refund operations to a certain extent in the payment refund scenario. At the same time, they can also perform corresponding refund processing based on the flow status of the funds, thereby achieving faster and more efficient good faith refund processing. BRIEF DESCRIPTION OF THE DRAWINGS
[0029] In order to more clearly illustrate the solutions in this application, a brief introduction will be given below to the drawings required for use in the description of the embodiments of this application. Obviously, the drawings described below are some embodiments of this application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.
[0030] Figure 1 is an exemplary system architecture diagram to which the present application may be applied;
[0031] Figure 2 is a flow chart of an embodiment of a method for processing capital flows according to the present application;
[0032] Figure 3 yes Figure 2A flowchart of a specific embodiment of identifying and determining the risk value of the target processing request in step 202 is shown;
[0033] Figure 4 yes Figure 2 A flowchart of a specific embodiment of identifying and determining the fund flow data information involved in the target processing request in step 202 is shown;
[0034] Figure 5 yes Figure 2 A flowchart of a specific embodiment of step 204 is shown;
[0035] Figure 6 This is a structural diagram of an embodiment of a fund flow processing device according to the present application;
[0036] Figure 7 It is a structural diagram of an embodiment of a computer device according to the present application. DETAILED DESCRIPTION
[0037] Unless otherwise defined, all technical and scientific terms used herein have the same meanings as commonly understood by those skilled in the art to which this application belongs. The terms used in the specification of the application are for the purpose of describing specific embodiments only and are not intended to limit this application. The terms "including" and "having" and any variations thereof in the specification and claims of this application and the above-mentioned drawings are intended to cover non-exclusive inclusions. The terms "first", "second", etc. in the specification and claims of this application or the above-mentioned drawings are used to distinguish different objects, not to describe a specific order.
[0038] References herein to "embodiments" mean that a particular feature, structure, or characteristic described in connection with the embodiments may be included in at least one embodiment of the present application. The appearance of this phrase in various places in the specification does not necessarily refer to the same embodiment, nor does it constitute an independent or alternative embodiment that is mutually exclusive of other embodiments. It is understood, both explicitly and implicitly, by those skilled in the art that the embodiments described herein may be combined with other embodiments.
[0039] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.
[0040] like Figure 1As shown, system architecture 100 may include a terminal device 101, a network 102, and a server 103. Terminal device 101 may be a laptop computer 1011, a tablet computer 1012, or a mobile phone 1013. Network 102 is a medium for providing a communication link between terminal device 101 and server 103. Network 102 may include various connection types, such as wired or wireless communication links or fiber optic cables.
[0041] The user can use the terminal device 101 to interact with the server 103 via the network 102 to receive or send messages, etc. Various communication client applications can be installed on the terminal device 101, such as web browser applications, shopping applications, search applications, instant messaging tools, email clients, social platform software, etc.
[0042] The terminal device 101 can be various electronic devices with a display screen and supporting web browsing. In addition to the laptop computer 1011, the tablet computer 1012 or the mobile phone 1013, the terminal device 101 can also be an e-book reader, an MP3 player (Moving Picture Experts Group Audio Layer III), an MP4 (Moving Picture Experts Group Audio Layer IV) player, a laptop computer and a desktop computer, etc.
[0043] The server 103 may be a server that provides various services, such as a background server that provides support for web pages displayed on the terminal device 101 .
[0044] It should be noted that the fund flow processing method provided in the embodiment of the present application is generally executed by a server, and accordingly, a fund flow processing device is generally set in the server.
[0045] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is merely illustrative. Any number of terminal devices, networks and servers may be provided as required.
[0046] Continue to refer Figure 2 , shows a flow chart of an embodiment of a method for processing capital flows according to the present application. The method for processing capital flows includes the following steps:
[0047] Step 201: Receive a target processing request.
[0048] In this embodiment, the target processing request includes a refund / cancellation request initiated by a service demander after subscribing to a product or service provided by a service provider.
[0049] In step 202, the target processing request is parsed to identify the risk value of the target processing request and the fund flow data information involved in the target processing request.
[0050] In this embodiment, the risk value of the target processing request refers to the risk value set according to the business fund flow and transaction behavior, for example, the risk value corresponding to malicious cancellation is a preset risk value, and the risk value corresponding to benign cancellation is another risk value. Specifically, the malicious cancellation refers to the subjective intentional use of purchase authority and rules to perform improper cancellation / refund operation, and the benign cancellation refers to the cancellation / refund operation caused by the negligence of the business demand side, for example, multiple purchases, product model not noticed, etc. For example, for the business demand side with good transaction behavior or high credit level, the set risk value is low.
[0051] Correspondingly, the fund flow data information involved in the target processing request includes the flow information and the fund amount information of the payment fund, for example, the payment fund is first transferred from the business demand side account to the fund supervision side, then from the fund supervision side to the business provider, and the fund amount information is transferred.
[0052] By identifying the risk value of the target processing request and the fund flow data information involved in the target processing request, subsequent business process operations are facilitated.
[0053] In step 203, if the risk value of the target processing request is the target risk value, the target processing request is forwarded to the manual verification end.
[0054] Specifically, for example, the risk value of the target processing request is the risk value corresponding to malicious cancellation, or the risk value that meets the manual verification, the cancellation / refund operation request is forwarded to the manual verification end for review.
[0055] When the risk value of the target processing request is identified as the target risk value, the target processing request is forwarded to the manual verification end to avoid malicious refund or illegal refund operation.
[0056] In step 204, if the risk value of the target processing request is not the target risk value, the flow state of the target fund corresponding to the fund flow data information is identified through the preset supervision account.
[0057] Specifically, the fund flow log of the regulated account is used to identify the target fund's corresponding fund flow data status, including the "undistributed under supervision" status and the "distributed after supervision" status. The "undistributed under supervision" status indicates that the funds have not yet been transferred to the service provider's account, while the "distributed after supervision" status indicates that the funds have already been transferred to the service provider's account.
[0058] By identifying the flow status of the target funds corresponding to the fund flow data information, refund / cancellation processing can be performed respectively according to the flow status of the target funds.
[0059] Step 205: If the circulation status of the target funds is in the supervision and undistributed state, call the preset first processing interface to process the target processing request.
[0060] Specifically, the first processing interface is a preset processing interface with the regulatory account as the fund remitting party and the account of the party requesting a refund in good faith (business demander) as the fund receiving party.
[0061] Step 206: If the circulation status of the target funds is in the distributed state after supervision, a preset second processing interface is called to process the target processing request, and processing feedback information of the second processing interface is received.
[0062] Specifically, the second processing interface is a preset processing interface with the service provider's account as the fund remitting party and the good faith refund requester's (service demander's) account as the fund receiving party.
[0063] Step 207: If the processing feedback information indicates an unsuccessful processing state, a relative processing task is created for the target processing request, and the relative processing task is executed to complete the target processing request.
[0064] Specifically, if the processing feedback information is in an unsuccessful state, it means that the refund operation from the service provider to the service demander is not supported. In this case, a payment task for the refund request can be directly created, and the purpose of refund can be achieved by executing the payment task.
[0065] In this embodiment, by receiving a target processing request; parsing to identify the risk value of the target processing request and the capital flow data information involved; if the risk value is the target risk value, the target processing request is forwarded to the manual verification end; if the risk value is not the target risk value, the flow status of the target funds corresponding to the capital flow data information is identified through a preset regulatory account; according to the different flow statuses, different processing interfaces are called to process the target processing request; and processing feedback information of the target processing interface is received; relative processing tasks are created for the processing feedback information and the target processing request, and the relative processing tasks are executed to complete the target processing request. When the capital flow processing method is applied to online transactions, in the payment refund scenario of the transaction parties and the bank supervisor, malicious refunds or illegal refund operations can be avoided to a certain extent. At the same time, corresponding refund processing can be performed separately according to the flow status of the funds, thereby achieving faster and more efficient good faith refund processing.
[0066] Continue to refer Figure 3 , Figure 3 yes Figure 2 The flowchart of a specific embodiment of identifying and determining the risk value of the target processing request in step 202 includes the following steps:
[0067] Step 301: Parse the target processing request to obtain a previous business order number, wherein the target processing request includes a refund request, and the previous business order number is the payment order number corresponding to the refund request;
[0068] Step 302: Using the previous transaction order number as search information, query the transaction subject information involved in the previous transaction order number;
[0069] Step 303: judging whether the initiator of the target processing request is a qualified target transaction subject based on the transaction subject information;
[0070] Specifically, it is determined whether the refund requester and the actual payer are the same entity, so that the business system can maintain the consistency of transaction information.
[0071] Step 304: If the initiator of the target processing request is a qualified target transaction entity, the risk value of the target processing request is set to a first risk value;
[0072] Step 305: If the initiator of the target processing request is not a qualified target transaction entity, the risk value of the target processing request is set to a second risk value, and the second risk value is set to the target risk value.
[0073] By identifying and determining the risk value of the target processing request, subsequent manual verification or refund branch processing can be facilitated.
[0074] For another example: for business demanders with good trading behavior or high credit rating, the risk value set is the first risk value; for business demanders with poor trading behavior or low credit rating, the risk value set is the second risk value. No further details will be given here.
[0075] Continue to refer Figure 4 , Figure 4 yes Figure 2 The flowchart of a specific embodiment of identifying and determining the funds flow data information involved in the target processing request in step 202 includes the following steps:
[0076] Step 401: Using the previous business order number as search information, query the transaction amount information and transaction funds flow information involved in the previous business order number;
[0077] Step 402: Set the transaction amount information related to the previous business order number as the target funds;
[0078] Step 403: Determine the business demander, business provider, and fund supervisor involved in the previous business order number based on the transaction funds flow information.
[0079] By determining the business demander, business provider and fund supervisor involved in the payment order number corresponding to the refund request, subsequent refund processing operations can be facilitated.
[0080] In this embodiment, the preset supervision account is the pre-recorded fund account of the fund supervisor. Specifically, the fund account of the fund supervisor can be understood as a safe account for fund caching recognized by both parties or multiple parties to the transaction, that is, the business demander first deposits the purchase or business payment funds into the fund account of the fund supervisor. After the transaction is completed, the fund supervisor then remits the purchase or business payment funds to the collection account of the business provider. The fund supervisor is an authoritative third party other than the business demander and the business provider, for example, a fund supervision agency or account specially opened by a financial business department such as a bank for large-scale transactions.
[0081] Continue to refer Figure 5 , Figure 5 yes Figure 2 The flowchart of a specific embodiment of step 204 shown includes the following steps:
[0082] Step 501: If the risk value of the target processing request is a first risk value, identifying, through the data record log of the escrow account, the time information when the transaction amount corresponding to the previous business order number was remitted into the fund escrow account, and the time information when the transaction amount corresponding to the previous business order number was transferred into the service provider account;
[0083] Step 502: Determine whether the time information of the transaction amount corresponding to the previous business order number being transferred to the business provider's account is null;
[0084] Step 503: If the time information of the transaction amount corresponding to the previous business order number being transferred into the business provider's account is null, the target funds are in a state of being supervised and not distributed;
[0085] Step 504: If the time information of the transaction amount corresponding to the previous business order number being transferred into the business provider's account is not a null value, the target funds are in a state of being distributed after supervision.
[0086] Specifically, the time information when the transaction amount corresponding to the previous business order number is transferred into the business provider's account is identified through the data record log of the regulatory account, and the circulation status of the target funds is determined based on the presence or absence of the time information.
[0087] In this embodiment, the step of calling the preset first processing interface to process the target processing request specifically includes: obtaining the transaction account information of the business demander; using the fund account information of the fund supervisor as the remittance account parameter of the first processing interface, and using the transaction account information of the business demander as the remittance account parameter of the first processing interface, and executing the return of the target funds from the remittance account to the remittance account.
[0088] Specifically, the target funds are still in a supervision and undistributed state, and the refund operation is performed directly through the supervision account.
[0089] In this embodiment, the step of calling a preset second processing interface to process the target processing request and receiving processing feedback information of the second processing interface specifically includes: obtaining the transaction account information of the business demander; obtaining the transaction account information of the business provider; using the transaction account information of the business provider as the remittance account parameter of the second processing interface, and using the transaction account information of the business demander as the remittance account parameter of the second processing interface, executing the return of the target funds from the remittance account to the remittance account; and receiving processing feedback information of the second processing interface based on a processing result feedback interface pre-set for the second processing interface.
[0090] Specifically, if the target funds are already in a state of being distributed after supervision, the refund operation is performed through the account of the service provider.
[0091] In the embodiment, before the step of creating a relative processing task for the target processing request and executing the relative processing task to complete the target processing request, the method further comprises: analyzing a failure factor of the target fund being returned from the pay-out account to the pay-in account; if the failure factor is account information error, correcting the account information, and then continuing to execute the target fund being returned from the pay-out account to the pay-in account by taking the transaction account information of the service provider as the pay-out account parameter of the second processing interface and taking the transaction account information of the service demander as the pay-in account parameter of the second processing interface.
[0092] Specifically, assuming that the failure factor is account information input error, after correction, the refund operation is re-executed.
[0093] In the embodiment, the step of creating a relative processing task for the target processing request and executing the relative processing task to complete the target processing request specifically comprises: if the failure factor is no refund permission, taking the transaction account information of the service provider as the remittance account and taking the transaction account information of the service demander as the receiving account to create a payment task from the remittance account to the receiving account; executing the payment task and taking the target fund as the payment amount of the payment task to complete the target processing request.
[0094] Specifically, if the failure factor of the target fund being returned from the pay-out account to the pay-in account is no refund permission, it indicates that the refund operation from the service provider to the service demander is not supported, and then a payment task for the refund request can be directly created to achieve the purpose of refund by executing the payment task.
[0095] In the embodiment, the target processing request is received, the risk value and the involved fund flow data information of the target processing request are analyzed and identified, if the risk value is a target risk value, the target processing request is forwarded to a manual checking end, if the risk value is not the target risk value, a preset supervision account is used to identify the flow state of the target fund corresponding to the fund flow data information, different processing interfaces are called to process the target processing request according to the different flow states, processing feedback information of the target processing interface is received, a relative processing task is created for the processing feedback information and the target processing request, and the relative processing task is executed to complete the target processing request. When the fund flow processing method is applied to online transactions, the payment and refund scenarios of transaction parties and bank supervision parties can avoid malicious or illegal refund operations to a certain extent, and can also combine the flow state of the fund to perform corresponding refund processing, thereby achieving more efficient good faith refund processing.
[0096] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Artificial intelligence (AI) is the theory, method, technology, and application system that uses digital computers or machines controlled by digital computers to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use knowledge to achieve optimal results.
[0097] Fundamental AI technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing, operating / interaction systems, and mechatronics. AI software technologies primarily encompass computer vision, robotics, biometrics, speech processing, natural language processing, and machine learning / deep learning.
[0098] In this embodiment, by receiving a target processing request; parsing to identify the risk value of the target processing request and the capital flow data information involved; if the risk value is the target risk value, the target processing request is forwarded to the manual verification end; if the risk value is not the target risk value, the flow status of the target funds corresponding to the capital flow data information is identified through a preset regulatory account; according to the different flow statuses, different processing interfaces are called to process the target processing request; and processing feedback information of the target processing interface is received; relative processing tasks are created for the processing feedback information and the target processing request, and the relative processing tasks are executed to complete the target processing request. When the capital flow processing method is applied to online transactions, in the payment refund scenario of the transaction parties and the bank supervisor, malicious refunds or illegal refund operations can be avoided to a certain extent. At the same time, corresponding refund processing can be performed separately according to the flow status of the funds, thereby achieving faster and more efficient good faith refund processing.
[0099] Further references Figure 6 , as a response to the above Figure 2 In order to realize the method shown in the figure, the present application provides an embodiment of a fund flow processing device. Figure 2 Corresponding to the method embodiment shown, the device can be specifically applied to various electronic devices.
[0100] like Figure 6 As shown, the fund flow processing device 600 of this embodiment includes: a request receiving module 601, a parsing and identifying module 602, a first branch processing module 603, a second branch processing module 604, a first processing interface processing module 605, a second processing interface processing module 606, and a relative processing task creation and execution module 607. Among them:
[0101] Request receiving module 601, used for receiving target processing request;
[0102] A parsing and identification module 602 is configured to parse the target processing request to identify the risk value of the target processing request and the fund flow data information involved in the target processing request;
[0103] A first branch processing module 603 is configured to forward the target processing request to a manual verification end if the risk value of the target processing request is a target risk value;
[0104] The second branch processing module 604 is configured to identify the flow status of the target funds corresponding to the fund flow data information through a preset supervision account if the risk value of the target processing request is not the target risk value;
[0105] The first processing interface processing module 605 is configured to call a preset first processing interface to process the target processing request if the target funds are in the supervision and undistributed state;
[0106] The second processing interface processing module 606 is configured to call a preset second processing interface to process the target processing request if the target funds are in a distributed state after supervision, and receive processing feedback information from the second processing interface;
[0107] The relative processing task creation and execution module 607 is configured to create a relative processing task for the target processing request if the processing feedback information is in an unprocessed state, and execute the relative processing task to complete the target processing request.
[0108] This application receives a target processing request; parses to identify the risk value of the target processing request and the capital flow data information involved; if the risk value is the target risk value, the target processing request is forwarded to the manual verification end; if the risk value is not the target risk value, the flow status of the target funds corresponding to the capital flow data information is identified through a preset regulatory account; according to the different flow statuses, different processing interfaces are called to process the target processing request; and processing feedback information of the target processing interface is received; relative processing tasks are created for the processing feedback information and the target processing request, and the relative processing tasks are executed to complete the target processing request. When the capital flow processing method is applied to online transactions, the transaction parties and the bank regulators can avoid malicious refunds or illegal refund operations to a certain extent in the payment refund scenario. At the same time, they can also perform corresponding refund processing based on the flow status of the funds, thereby achieving faster and more efficient good faith refund processing.
[0109] In this embodiment, the parsing and identification module 602 includes a prior business order number parsing unit, a first query unit, a transaction subject determination unit, a first risk value setting unit, a second risk value setting unit, a second query unit, a target fund setting unit, and a fund flow party determination unit.
[0110] a prior business order number parsing unit, configured to parse the target processing request to obtain a prior business order number, wherein the target processing request includes a refund request, and the prior business order number is the payment order number corresponding to the refund request;
[0111] A first query unit is configured to use the prior business order number as search information to query information about a transaction subject involved in the prior business order number;
[0112] a transaction subject determination unit, configured to determine, based on the transaction subject information, whether the subject initiating the target processing request is a qualified target transaction subject;
[0113] a first risk value setting unit, configured to set the risk value of the target processing request to a first risk value if the initiator of the target processing request is a qualified target transaction entity;
[0114] a second risk value setting unit, configured to set the risk value of the target processing request to a second risk value if the initiator of the target processing request is not a qualified target transaction subject, and to set the second risk value to the target risk value;
[0115] a second query unit, configured to use the prior business order number as search information to query the transaction amount information and transaction funds flow information involved in the prior business order number;
[0116] a target funds setting unit, configured to set the transaction amount information involved in the previous business order number as the target funds;
[0117] The fund flow parties determining unit is used to determine the business demander, business provider and fund supervisor involved in the previous business order number based on the transaction fund flow information.
[0118] In this embodiment, the second branch processing module 604 includes a time information identification unit, a null value judgment unit, a first state determination unit and a second state determination unit.
[0119] a time information identification unit configured to, if the risk value of the target processing request is a first risk value, identify, through the data record log of the escrow account, time information of when the transaction amount corresponding to the previous business order number was remitted into the fund escrow account, and time information of when the transaction amount corresponding to the previous business order number was transferred into the service provider account;
[0120] A null value judgment unit, configured to judge whether the time information of the transaction amount corresponding to the previous business order number being transferred into the business provider's account is a null value;
[0121] A first state determination unit is configured to determine that the target funds are in a state of being supervised and not distributed if the time information of the transaction amount corresponding to the previous business order number being transferred into the business provider's account is null;
[0122] The second state determining unit is configured to determine that the target funds are in a state of having been distributed after supervision if the time information of the transaction amount corresponding to the previous business order number being transferred into the business provider account is not a null value.
[0123] In this embodiment, the first processing interface processing module 605 is used to obtain the transaction account information of the business demander; it is also used to use the fund account information of the fund supervisor as the remittance account parameter of the first processing interface, and the transaction account information of the business demander as the remittance account parameter of the first processing interface, to execute the return of the target funds from the remittance account to the remittance account.
[0124] In this embodiment, the second processing interface processing module 606 is used to obtain the transaction account information of the business demander; it is also used to obtain the transaction account information of the business provider; it is also used to use the transaction account information of the business provider as the remittance account parameter of the second processing interface, and the transaction account information of the business demander as the remittance account parameter of the second processing interface, to execute the return of the target funds from the remittance account to the remittance account; it is also used to receive processing feedback information of the second processing interface based on the processing result feedback interface pre-set for the second processing interface.
[0125] In this embodiment, the fund flow processing device 600 includes a failure factor analysis module and a correction and reprocessing module.
[0126] a failure factor analysis module, configured to analyze the failure factors of returning the target funds from the remittance account to the remittance account;
[0127] a correction and reprocessing module for, if the failure factor is account information error, correcting the account information and continuing to use the transaction account information of the service provider as the remittance account parameter of the second processing interface and the transaction account information of the service demander as the remittance account parameter of the second processing interface to execute the return of the target funds from the remittance account to the remittance account.
[0128] In this embodiment, the relative processing task creation and execution module 607 includes a payment task creation unit and a payment task execution unit.
[0129] a payment task creation unit, configured to, if the failure factor is lack of refund authority, create a payment task from the remittance account to the receiving account using the transaction account information of the service provider as the remittance account and the transaction account information of the service demander as the receiving account;
[0130] The payment task execution unit is used to execute the payment task and complete the target processing request with the target funds as the payment amount of the payment task.
[0131] Those skilled in the art will appreciate that all or part of the processes in the above-described method embodiments can be implemented by instructing related hardware via computer-readable instructions. The computer-readable instructions can be stored in a computer-readable storage medium, and when the program is executed, it can include the processes in the above-described method embodiments. The aforementioned storage medium can be a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).
[0132] It should be understood that although the steps in the flowcharts of the accompanying drawings are shown in sequence as indicated by the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some of the steps in the flowcharts of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
[0133] To solve the above technical problems, the present application also provides a computer device. Figure 7 , Figure 7 This is a basic structural block diagram of the computer device in this embodiment.
[0134] The computer device 7 includes a memory 7a, a processor 7b, and a network interface 7c that are interconnected via a system bus. Figure 7The computer device 7 is shown to have a component storage 7a, a processor 7b, and a network interface 7c, but it should be understood that not all of the shown components are required to be implemented, and more or fewer components can be implemented instead. As understood by one skilled in the art, the computer device herein is a device capable of automatically performing numerical calculations and / or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to a microprocessor, an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), a Digital Signal Processor (DSP), an embedded device, etc.
[0135] The computer device can be a desktop computer, a notebook computer, a palm computer, a cloud server, or the like. The computer device can interact with a user through a keyboard, a mouse, a remote controller, a touchpad, a voice control device, or the like.
[0136] The storage 7a includes at least one type of readable storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., an SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read-Only Memory (ROM), an Electrically Erasable Programmable Read-Only Memory (EEPROM), a Programmable Read-Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the storage 7a can be an internal storage unit of the computer device 7, such as a hard disk or a memory of the computer device 7. In other embodiments, the storage 7a can also be an external storage device of the computer device 7, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) card, a Flash Card, or the like. Of course, the storage 7a can also include both an internal storage unit and an external storage device of the computer device 7. In the present embodiment, the storage 7a is generally used to store an operating system and various application software installed in the computer device 7, such as computer readable instructions of a fund flow processing method, etc. In addition, the storage 7a can also be used to temporarily store various data that have been output or will be output.
[0137] The processor 7b may be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chip in some embodiments. The processor 7b is generally used to control the overall operation of the computer device 7. In the present embodiment, the processor 7b is configured to execute computer readable instructions stored in the memory 7a or process data, such as computer readable instructions of the fund flow processing method.
[0138] The network interface 7c may include a wireless network interface or a wired network interface, and is generally used to establish a communication connection between the computer device 7 and other electronic devices.
[0139] The computer device provided in the present embodiment belongs to the technical field of data processing and is applied to the payment and refund scenarios of transaction parties and bank supervision parties in online transactions. The present application receives a target processing request, analyzes and identifies a risk value of the target processing request and fund flow data information involved, forwards the target processing request to a manual verification end if the risk value is a target risk value, identifies a flow state of a target fund corresponding to the fund flow data information through a preset supervision account if the risk value is not the target risk value, calls different processing interfaces to process the target processing request according to different flow states, receives processing feedback information of the target processing interface, creates a relative processing task for the processing feedback information and the target processing request, and executes the relative processing task to complete the target processing request. The fund flow processing method is applied to the payment and refund scenarios of transaction parties and bank supervision parties in online transactions, which can avoid malicious refund or illegal refund operations to a certain extent, and can also combine the flow state of the fund to perform corresponding refund processing, thereby realizing more rapid good faith refund processing.
[0140] The present application also provides another embodiment, that is, a computer readable storage medium storing computer readable instructions, which can be executed by a processor to make the processor execute the steps of a fund flow processing method as described above.
[0141] The computer-readable storage medium proposed in this embodiment belongs to the field of data processing technology and is applied to payment refund scenarios of both parties to the transaction and the bank regulator during online transactions. This application receives a target processing request; parses to identify the risk value of the target processing request and the capital flow data information involved; if the risk value is the target risk value, the target processing request is forwarded to the manual verification end; if the risk value is not the target risk value, the flow status of the target funds corresponding to the capital flow data information is identified through a preset regulatory account; according to different flow statuses, different processing interfaces are called to process the target processing request; and processing feedback information of the target processing interface is received; relative processing tasks are created for the processing feedback information and the target processing request, and the relative processing tasks are executed to complete the target processing request. When the capital flow processing method is applied to online transactions, in payment refund scenarios of both parties to the transaction and the bank regulator, malicious refunds or illegal refund operations can be avoided to a certain extent. At the same time, corresponding refund processing can be performed separately according to the flow status of the funds, thereby achieving faster and more efficient good faith refund processing.
[0142] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus the necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes a number of instructions for enabling a terminal device (which can be a mobile phone, computer, server, air conditioner, or network device, etc.) to execute the methods described in each embodiment of the present application.
[0143] Obviously, the embodiments described above are only some of the embodiments of the present application, rather than all of the embodiments. The preferred embodiments of the present application are given in the accompanying drawings, but they do not limit the patent scope of the present application. The present application can be implemented in many different forms. On the contrary, the purpose of providing these embodiments is to make the understanding of the disclosure of the present application more thorough and comprehensive. Although the present application has been described in detail with reference to the aforementioned embodiments, for those skilled in the art, it is still possible to modify the technical solutions recorded in the aforementioned specific embodiments, or to make equivalent replacements for some of the technical features therein. Any equivalent structure made using the contents of the specification and drawings of this application, directly or indirectly used in other related technical fields, is also within the scope of patent protection of this application. The non-company software tools or components that appear in the embodiments of this application are merely examples and do not represent actual use.
Claims
1. A method for processing capital flow, characterized in that: The steps include: Receive target processing request; parsing the target processing request to identify a risk value of the target processing request and fund flow data information involved in the target processing request; If the risk value of the target processing request is the target risk value, forwarding the target processing request to a manual verification end; If the risk value of the target processing request is not the target risk value, identifying the flow status of the target funds corresponding to the fund flow data information through a preset regulatory account; If the circulation status of the target funds is in the supervision and undistributed state, calling a preset first processing interface to process the target processing request; If the circulation status of the target funds is in the state of having been distributed after supervision, calling a preset second processing interface to process the target processing request, and receiving processing feedback information of the second processing interface; If the processing feedback information indicates an unsuccessful processing state, a relative processing task is created for the target processing request, and the relative processing task is executed to complete the target processing request.
2. The method for processing capital flows according to claim 1, characterized in that: The step of parsing the target processing request to identify the risk value of the target processing request and the capital flow data information involved in the target processing request includes: Parsing the target processing request to obtain a prior business order number, wherein the target processing request includes a refund request, and the prior business order number is the payment order number corresponding to the refund request; Using the prior business order number as search information, query the transaction subject information involved in the prior business order number; Determining, based on the transaction subject information, whether the initiator of the target processing request is an eligible target transaction subject; If the initiator of the target processing request is a qualified target transaction entity, setting the risk value of the target processing request to a first risk value; If the initiator of the target processing request is not a qualified target transaction entity, the risk value of the target processing request is set to a second risk value, and the second risk value is set to the target risk value.
3. The method for processing capital flows according to claim 2, characterized in that: The step of parsing the target processing request to identify the risk value of the target processing request and the capital flow data information involved in the target processing request further includes: Using the prior business order number as search information, querying the transaction amount information and transaction funds flow information involved in the prior business order number; Setting the transaction amount information involved in the previous business order number as the target funds; The business demander, business provider and fund supervisor involved in the previous business order number are determined based on the transaction funds flow information.
4. The method for processing capital flows according to claim 2, characterized in that: The preset supervision account is a pre-recorded fund account of a fund supervisor. If the risk value of the target processing request is not the target risk value, the step of identifying the flow status of the target funds corresponding to the fund flow data information through the preset supervision account specifically includes: If the risk value of the target processing request is the first risk value, identifying, through the data record log of the escrow account, the time information when the transaction amount corresponding to the previous business order number was remitted into the fund escrow account, and the time information when the transaction amount corresponding to the previous business order number was transferred into the service provider account; Determine whether the time information of the transaction amount corresponding to the previous business order number being transferred into the business provider's account is null; If the time information of the transaction amount corresponding to the previous business order number being transferred into the business provider's account is null, the target funds are in a state of being supervised and not distributed; If the time information of the transaction amount corresponding to the previous business order number being transferred into the business provider's account is not a null value, the target funds are in a state of being distributed after supervision.
5. The method for processing capital flows according to claim 3, characterized in that: The step of calling a preset first processing interface to process the target processing request specifically includes: Obtaining the transaction account information of the business demander; The fund account information of the fund supervisor is used as the remittance account parameter of the first processing interface, and the transaction account information of the business demander is used as the remittance account parameter of the first processing interface, and the target funds are returned from the remittance account to the remittance account.
6. The method for processing capital flows according to claim 3, characterized in that: The step of calling a preset second processing interface to process the target processing request and receiving processing feedback information of the second processing interface specifically includes: Obtaining the transaction account information of the business demander; Obtaining transaction account information of the service provider; Using the transaction account information of the service provider as the remittance account parameter of the second processing interface and the transaction account information of the service requester as the remittance account parameter of the second processing interface, the target funds are returned from the remittance account to the remittance account; Based on a processing result feedback interface pre-set for the second processing interface, processing feedback information of the second processing interface is received.
7. The method for processing capital flows according to claim 6, characterized in that: Before executing the steps of creating a relative processing task for the target processing request and executing the relative processing task to complete the target processing request, the method further includes: Analyzing factors causing failure in returning the target funds from the remittance account to the remittance account; If the failure factor is account information error, after correcting the account information, continue to use the transaction account information of the service provider as the remittance account parameter of the second processing interface, and use the transaction account information of the service requester as the remittance account parameter of the second processing interface, and execute the return of the target funds from the remittance account to the remittance account; The step of creating a relative processing task for the target processing request and executing the relative processing task to complete the target processing request specifically includes: If the failure factor is lack of refund authority, a payment task is created from the remittance account to the receiving account, using the transaction account information of the service provider as the remittance account and the transaction account information of the service demander as the receiving account; Execute the payment task and use the target funds as the payment amount of the payment task to complete the target processing request.
8. A fund flow processing device, characterized in that: include: A request receiving module, used for receiving a target processing request; a parsing and identifying module, configured to parse the target processing request to identify the risk value of the target processing request and the fund flow data information involved in the target processing request; a first branch processing module, configured to forward the target processing request to a manual verification end if the risk value of the target processing request is a target risk value; a second branch processing module configured to identify the flow status of the target funds corresponding to the fund flow data information through a preset regulatory account if the risk value of the target processing request is not the target risk value; A first processing interface processing module is configured to call a preset first processing interface to process the target processing request if the circulation status of the target funds is in a supervision-undistributed state; a second processing interface processing module configured to, if the circulation status of the target funds is in the distributed state after supervision, call a preset second processing interface to process the target processing request and receive processing feedback information of the second processing interface; The relative processing task creation and execution module is used to create a relative processing task for the target processing request if the processing feedback information is in an unprocessed state, and execute the relative processing task to complete the target processing request.
9. A computer device, characterized in that: The method comprises a memory and a processor, wherein the memory stores computer-readable instructions, and the processor implements the steps of the cash flow processing method according to any one of claims 1 to 7 when executing the computer-readable instructions.
10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer-readable instructions, which, when executed by a processor, implement the steps of the cash flow processing method according to any one of claims 1 to 7.