Refunding request processing method, electronic device and program product

Abstract

The invention provides a refund request processing method, electronic equipment and a program product. The refund request processing method comprises the following steps: in response to a received refund request, obtaining request information of the refund request; the request information comprises request time and a refund reason; determining a current time period to which the request time belongs and a historical time period related to the request time according to a time segmentation standard; obtaining a current refund proportion and a refund proportion interval, the current refund proportion being a proportion of a refund index value of a refund reason in a current time period to a total refund index value in the current time period; the refund proportion interval is determined according to the proportion of the refund index value of the refund reason in the historical time period to the total refund index value in the historical time period; and in response to the fact that the current refund proportion exceeds the refund proportion interval, executing an operation of intercepting the refund request.

Description

Technical Field

[0001] The present disclosure relates to technical fields such as data processing, and more particularly to a refund request processing method, electronic device, storage medium, and program product. Background Art

[0002] With the rapid development of e-commerce and online payments, payment systems have become a core component of modern business operations. Payment systems typically involve multiple components, including payment gateways, order processing systems, and refund processing systems. The coordinated operation of these components is crucial to ensuring transaction accuracy and fund security. To enhance user experience, many payment systems offer automatic refund features to quickly process refunds in the event of transaction anomalies, payment failures, or user-initiated order cancellations.

[0003] In existing technology, once a refund request is triggered, the order processing system first checks the order status, verifies the refund amount, and verifies the refund reason to ensure that the refund request complies with the refund policy. The order processing system then sends the refund request to the refund processing system, which coordinates the payment gateway to complete the funds transfer through the payment channel and feedback the refund results to the order processing system. Under normal circumstances, this process effectively handles refund requests, improves the user experience, and reduces manual intervention.

[0004] However, in actual operations, system components such as order processing systems or payment gateways may have design flaws or operational anomalies, resulting in errors in the refund processing process and affecting the accuracy and security of fund flow. Summary of the Invention

[0005] The present disclosure provides a refund request processing method, electronic device, storage medium, and program product.

[0006] According to one aspect of the present disclosure, a method for processing a refund request is provided, comprising: In response to receiving a refund request, obtaining request information of the refund request; the request information includes the request time and the refund reason; Determine the current time period to which the request time belongs and the historical time period related to the request time according to a time segmentation standard; Obtaining a current refund ratio and a refund ratio range, where the current refund ratio is the ratio of the refund index value for the refund reason in the current time period to the total refund index value in the current time period, and the refund ratio range is determined based on the ratio of the refund index value for the refund reason in the historical time period to the total refund index value in the historical time period; In response to the current refund ratio exceeding the refund ratio range, an operation of intercepting the refund request is performed.

[0007] According to the refund request processing method of at least one embodiment of the present disclosure, the current refund proportion and the refund proportion interval are obtained, including: Obtaining a historical refund proportion, the historical refund proportion being a proportion of a refund index value of the refund reason in the historical time period to total refund index values in the historical time period; Determining the refund proportion interval according to the historical refund proportion.

[0008] According to the refund request processing method of at least one embodiment of the present disclosure, the determining the refund proportion interval according to the historical refund proportion includes: Obtaining a proportion deviation; Determining an upper limit of the interval according to a sum of the historical refund proportion and the proportion deviation; Determining a lower limit of the interval according to a difference between the historical refund proportion and the proportion deviation; Determining the refund proportion interval according to the lower limit of the interval and the upper limit of the interval.

[0009] According to the refund request processing method of at least one embodiment of the present disclosure, the determining the lower limit of the interval according to the difference between the historical refund proportion and the proportion deviation includes: Subtracting the proportion deviation from the historical refund proportion to obtain a proportion difference value; In response to the proportion difference value being not less than 0, taking the proportion difference value as the lower limit of the interval; In response to the proportion difference value being less than 0, taking 0 as the lower limit of the interval.

[0010] The determining the lower limit of the interval according to the difference between the historical refund proportion and the proportion deviation includes: Subtracting the proportion deviation from the historical refund proportion to obtain a proportion difference value; In response to the proportion difference value being not less than 0, taking the proportion difference value as the lower limit of the interval; In response to the proportion difference value being less than 0, taking 0 as the lower limit of the interval.

[0011] According to the refund request processing method of at least one embodiment of the present disclosure, in response to the request information further including a business type, the obtaining the current refund proportion and the refund proportion interval includes: Obtaining historical refund data; Obtaining target refund data of the business type from the historical refund data; Obtaining the current refund proportion and the refund proportion interval according to the target refund data.

[0012] The refund request processing method according to at least one embodiment of the present disclosure, after the current refund ratio and the refund ratio interval are obtained, further comprises: In response to the current refund ratio not exceeding the refund ratio interval, performing a refund operation related to the refund request.

[0013] The refund request processing method according to at least one embodiment of the present disclosure, after the operation of intercepting the refund request is performed, further comprises: Sending an interception notification of intercepting the refund request to a person with management authority.

[0014] The refund request processing method according to at least one embodiment of the present disclosure, after the interception notification of intercepting the refund request is sent to the person with management authority, further comprises: In response to receiving a refund instruction of passing the refund request sent by the person with management authority, performing a refund operation related to the refund request according to the refund instruction.

[0015] The refund request processing method according to at least one embodiment of the present disclosure, after the operation of intercepting the refund request is performed, further comprises: Obtaining an interception reason of intercepting the refund request and recording.

[0016] According to another aspect of the present disclosure, an electronic device is provided, comprising a memory storing an execution instruction, and a processor executing the execution instruction stored in the memory, so that the processor executes the refund request processing method of any one of the embodiments of the present disclosure.

[0017] According to still another aspect of the present disclosure, a readable storage medium is provided, in which an execution instruction is stored, and the execution instruction is executed by a processor to implement the refund request processing method of any one of the embodiments of the present disclosure.

[0018] According to still another aspect of the present disclosure, a computer program product is provided, comprising a computer program, which is executed by a processor to implement the refund request processing method of any one of the embodiments of the present disclosure. BRIEF DESCRIPTION OF DRAWINGS

[0019] The accompanying drawings illustrate exemplary embodiments of the present disclosure and together with the description, explain the principles of the present disclosure, in which the drawings are included to provide further understanding of the present disclosure and constitute a part of the description.

[0020] Figure 1 is a flow of a refund request processing method according to one embodiment of the present disclosure Figure 1 .

[0021] Figure 2 is Figure 1 a flowchart of an interval acquisition method in the refund request processing method shown in

[0022] Figure 3 is Figure 1 a flowchart of a refund ratio acquisition method in the interval acquisition method shown in Figure 2

[0023] Figure 4 is Figure 2 a flowchart of a deviation acquisition method in the interval acquisition method shown in Figure 1

[0024] Figure 5 is Figure 2 a flowchart of a deviation acquisition method in the interval acquisition method shown in Figure 2

[0025] Figure 6 is a flowchart of a refund request processing method according to one embodiment of the present disclosure Figure 2

[0026] Figure 7 is a flowchart of a refund request processing method according to one embodiment of the present disclosure Figure 3

[0027] Figure 8 is a flowchart of a refund request processing method according to one embodiment of the present disclosure Figure 4

[0028] Figure 9 is a flowchart of a refund request processing method according to one embodiment of the present disclosure Figure 5

[0029] Figure 10 is a flowchart of a refund request processing method according to one embodiment of the present disclosure Figure 6

[0030] Figure 11 is a flowchart of a refund request processing method according to one embodiment of the present disclosure Figure 7

[0031] Figure 12 is a schematic flowchart of a refund request processing method according to an embodiment of the present disclosure.

[0032] Figure 13 is a structural schematic block diagram of a refund request processing apparatus according to one embodiment of the present disclosure.

[0033] Figure 14 ​​​​​​​​​is a structural schematic block diagram of an electronic device of an embodiment of the present disclosure. DETAILED DESCRIPTION

[0034] The present disclosure will be further described below in conjunction with the accompanying drawings and examples. It can be understood that the specific examples described herein are only for explanation purposes, and are not limiting on the present disclosure. In addition, it should be noted that only parts related to the present disclosure are shown in the drawings for ease of description.

[0035] It should be noted that the embodiments and features in the present disclosure can be combined with each other without conflict. The technical solutions of the present disclosure will be described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.

[0036] Suppose that the payment system of an e-commerce platform includes an order processing system, a refund processing system, and a payment gateway. In order to improve user experience, the e-commerce platform introduces an automatic refund function, which automatically triggers a refund operation when a transaction is abnormal or an order is canceled by a user. One day, due to a logical defect of the order processing system, the order processing system incorrectly marks a batch of successfully paid orders as payment failure and automatically triggers the refund process. After receiving the refund instruction, the refund processing system coordinates the payment gateway to directly return the funds from the merchant account to the user account through the payment channel without performing secondary verification on the payment status of these orders; when checking the accounts, the merchant finds that some users' orders have been delivered but the funds have been returned to the users, resulting in the loss of the merchant's funds and affecting the accuracy and security of the fund flow.

[0037] To this end, the present disclosure proposes a refund request processing method, an electronic device, a storage medium, and a program product. The present disclosure can be implemented through a refund request processing software set on a server or other electronic device.

[0038] In order to facilitate the description and make the technical solutions of the embodiments of the present disclosure easier to understand, the technical terms involved in the present disclosure are explained as follows: The lower limit of the interval refers to the minimum value or boundary value of an interval.

[0039] The upper limit of the interval refers to the maximum value or boundary value of an interval.

[0040] Figure 1 The overall flowchart of the refund request processing method M100 of one embodiment of the present disclosure is shown. As shown in the refund request processing method includes steps S110 to S140. Figure 1

[0041] Specifically, Figure 1 The refund request processing method shown includes: Step S110, in response to receiving a refund request, obtaining request information of the refund request.​

[0042] In some embodiments of the present disclosure, the refund request in step S110 can be triggered by the user due to his own needs or dissatisfaction with the goods, services, etc.; the refund request in step S110 can also be triggered by the merchant or the system based on the order unfulfillment, system error, logistics problem, etc.

[0043] The content of the refund request in step S110 can include the refund-related subjects (usually the initiator and the recipient), the refund reason (merchant reasons such as goods cannot be delivered on time, canceled by the merchant, goods price higher than other platforms, goods out of stock, logistics problems, etc., personal reasons such as no longer want, wrong goods, unsatisfactory goods, address information error, no discount, etc.), refund amount, user's expected solution, etc.

[0044] The request information obtained through step S110 is an important content of the refund request, and the request information obtained through step S110 can include the request time and the refund reason; wherein the request time can be the time when the refund request is received, and the refund reason in the request information can be determined based on the refund reason in the refund request, such as directly taking the refund reason in the refund request as the refund reason in the request information, etc.

[0045] Preferably, in order to improve the efficiency and consistency of the refund request processing and optimize the processing process, a clear list of refund reasons can be set in advance, and when obtaining the refund reason through step S110, the refund reason of the refund request is determined based on the pre-set list of refund reasons. Among them, the content of the refund request can be matched with the refund reasons in the list of refund reasons, and the refund reason in the list of refund reasons that matches successfully is taken as the refund reason of the refund request.

[0046] In step S120, the current time period to which the request time belongs and the history time period related to the request time are determined according to the time segmentation standard.

[0047] In some embodiments of the present disclosure, the time segmentation standard in step S120 can be pre-set, such as taking each hour as a time period, taking each half hour as a time period, etc.; the time segmentation standard can be fixed or can be adjusted by the provider of the refund request processing software in real time according to the actual refund request processing situation.

[0048] The current time period determined by step S120 according to the time segmentation standard can be a time interval of the current day to which the request time falls. The historical time period related to the request time obtained by step S120 according to the time segmentation standard is a time interval of a past day corresponding to the request time. The past day can be pre-set, for example, the day before the current day, the same day of the previous week, or both the day before the current day and the same day of the previous week.

[0049] Since the request time is usually earlier than the end of the time interval of the current day, the start time of the current time period obtained by step S120 can be the start of the time interval of the current day to which the request time falls, and the end time of the current time period obtained by step S120 can be the request time. That is, the specific process of obtaining the current time period can include: obtaining the time interval of the current day to which the request time falls according to the time segmentation standard; determining whether the request time is earlier than the end of the time interval of the current day to which the request time falls; in response to the request time not being earlier than the end of the time interval of the current day to which the request time falls (i.e., the request time is equal to the end of the time interval of the current day to which the request time falls), the time interval of the current day to which the request time falls is taken as the current time period; in response to the request time being earlier than the end of the time interval of the current day to which the request time falls, the start time of the time interval of the current day to which the request time falls is taken as the start time of the current time period, and the request time is taken as the end time of the current time period.

[0050] Taking "the request time is March 11, 2025, 10:35, and the time segmentation standard is to take each hour as a time period" as an example, the current time period obtained by step S120 can be from 10:00 to 11:00 on March 11, 2025; in particular, since the request time is March 11, 2025, 10:35, 10:35 can also be taken as the end time of the current time period, i.e., the current time period is from 10:00 to 10:35 on March 11, 2025.

[0051] The historical time period obtained by step S120 can be from 10:00 to 11:00 on March 10, 2025; the historical time period obtained by step S120 can also be from 10:00 to 11:00 on March 4, 2025; the historical time period obtained by step S120 can also be from 10:00 to 11:00 on March 10, 2025, and from 10:00 to 11:00 on March 4, 2025.

[0052] Step S130, obtaining the current refund ratio and the refund ratio interval.

[0053] In some embodiments of the present disclosure, the current refund ratio in step S130 is a ratio of the refund indicator value of the refund reason in the current time period to the total refund indicator value in the current time period, and the refund ratio interval is determined according to the ratio of the refund indicator value of the refund reason in the historical time period to the total refund indicator value in the historical time period. The refund ratio interval is an interval determined based on the ratio of the refund indicator value of the refund reason in the historical time period to the total refund indicator value in the historical time period.

[0054] When the number of historical time periods is more than one, the refund ratio interval obtained by step S130 can be an interval determined based on the refund indicator value of the refund reason in all historical time periods to the total refund indicator value in all historical time periods; the refund ratio interval obtained by step S130 can also be multiple intervals determined based on the refund indicator value of the refund reason in each historical time period to the total refund indicator value in the corresponding historical time period, and at this time, the number of refund ratio intervals obtained by step S130 is the same as the number of historical time periods obtained by step S120. For example, one historical time period is obtained by step S120, and the corresponding refund ratio interval of the historical time period is obtained by step S130; two historical time periods are obtained by step S120, and two corresponding refund ratio intervals of the two historical time periods are obtained by step S130. This correspondence ensures that the statistical data of the refund ratio interval is consistent in the time dimension, so that the subsequent analysis is more accurate.

[0055] The refund indicator value in step S130 can be a quantity type indicator (such as the number of refund orders, the number of refund goods, etc.) or an amount type indicator (such as the refund amount, etc.). Different calculation methods are suitable for different business needs, for example, for high single price industries, the amount type indicator calculation can be more representative; and for low single price and high frequency transaction industries, the quantity type indicator calculation can be more valuable.

[0056] In step S140, in response to the current refund ratio exceeding the refund ratio interval, an operation of intercepting the refund request is performed.

[0057] In some embodiments of the present disclosure, when the current refund ratio exceeds the refund ratio interval, it indicates that the current refund request can be an abnormal refund request, and the operation of intercepting the refund request is performed by step S140. The operation of intercepting the refund request can be updating the order status to “reject refund” and sending a notification of rejecting the refund to the user triggering the refund request. The operation of intercepting the refund request can also be suspending the refund request and requiring personnel with management authority to manually judge whether the refund should be performed, when the personnel with management authority indicates to reject the refund, sending a notification of rejecting the refund to the user triggering the refund request; when the personnel with management authority indicates to pass the refund request, performing the refund operation.

[0058] When the refund request is triggered by the user, in order to ensure the intelligence and flexibility of the refund request processing software, the user's historical refund behavior, order abnormality and payment method can be analyzed in combination with the risk control strategy while performing the operation of intercepting the refund request, to further judge whether the user needs to be listed in the high-risk user list, so as to take more stringent risk control measures in the future, such as limiting the user's refund authority, marking the refund request as needing manual review, etc.

[0059] In particular, when sending the refund rejection notice to the user, in order to improve the user experience, the appeal channel can also be attached in the refund rejection notice, such as submitting the voucher again, contacting customer service, etc., so that the user can appeal when he is not satisfied with the refund rejection notice. In order to improve the user experience and reduce unnecessary complaints, the refund rule explanation can be provided to the user through the intelligent customer service system, automatically identify the user's main questions and give the corresponding answers. At the same time, for high-value orders or long-term quality users, the refund request processing software can provide more flexible refund policies, such as allowing the user to submit additional refund proof for re-audit, or providing other compensation methods such as coupons, vouchers, etc., to reduce the user's dissatisfaction and improve the user's retention rate.

[0060] When there are multiple refund proportion intervals obtained through step S130, the current refund proportion exceeds the refund proportion interval, which can be that the current refund proportion exceeds all refund proportion intervals, or that the current refund proportion exceeds one or several refund proportion intervals. At the same time, on the basis of multiple refund proportion intervals, the refund request processing software can also generate a refund risk report to provide detailed data analysis content to the merchant or the operator, helping them to optimize the quality of goods, logistics distribution or order management strategy, to reduce future abnormal refund situations.

[0061] The refund request processing method provided by the present disclosure controls whether to perform the refund operation based on the historical refund proportion related refund proportion interval, and when the current refund proportion exceeds the refund proportion interval due to the abnormal operation of the order processing system or the payment gateway, the operation of intercepting the refund request is performed, thereby avoiding large-scale refunds caused by the abnormal operation of the order processing system or the payment gateway, and further improving the accuracy and security of the fund flow. The refund request processing method solves the problem in the prior art that the order processing system or the payment gateway and other system components may have design defects or abnormal operation, resulting in errors in the refund processing flow and affecting the accuracy and security of the fund flow. In addition, the method determines the current time period and the historical time period according to the time segmentation standard, which can make the current time period and the historical time period belong to the same period, thereby improving the accuracy of the refund request processing.

[0062] In some embodiments of the present disclosure, in response to receiving the refund request, the refund request can be verified first to obtain a verification result before obtaining the request information of the refund request through step S110; in response to the verification result being verification success, the request information of the refund request is obtained; and in response to the verification result being verification failure, the operation of intercepting the refund request is performed.

[0063] The verification of the refund request is an important step to ensure that the refund request is legal, reasonable and in line with the merchant policy, which helps to prevent malicious refund, user abuse of refund policy and other problems. The verification can include one or more of the following aspects: order and transaction verification (such as verifying whether the order exists, verifying whether the order has been successfully paid, verifying whether the payment method allows refund, etc.), refund reason verification (such as verifying whether the refund reason conforms to the policy, verifying whether the refund has been applied, etc.), user identity verification (such as verifying whether the account information is correct, etc.), logistics and commodity verification (such as verifying whether the merchant has received the returned goods when returning goods for refund, verifying whether the express waybill number submitted by the user is valid, verifying whether the virtual goods have been used or exchanged, etc.), fund and risk control verification (such as verifying whether there is abnormal refund behavior, verifying whether the refund account is consistent with the payment account, etc.), etc. In actual application process, different verification rules can be configured according to the merchant policy, and the verification standard can be dynamically adjusted in combination with the intelligent risk control system; for example, for new users or large orders, more stringent identity verification measures can be set, while for old users with good reputation or low-risk orders, the verification process can be appropriately simplified.

[0064] Regarding step S130, in some embodiments of the present disclosure, steps S131 to S132 as shown in Figure 2 may be included.

[0065] Step S131, obtaining a historical refund proportion.

[0066] In some embodiments of the present disclosure, the historical refund proportion obtained through step S131 is the proportion of the refund indicator value of the refund reason in the historical time period to the total refund indicator value in the historical time period.

[0067] Step S132, determining a refund proportion interval according to the historical refund proportion.

[0068] In some embodiments of the present disclosure, step S132 can determine the refund proportion interval according to the historical refund proportion in a symmetrical addition and subtraction method, an asymmetrical addition and subtraction method, a multiplication and division method, etc. The refund proportion interval determined through step S132 can be a symmetrical interval or an asymmetrical interval.

[0069] The refund proportion interval is determined through steps S131 to S132, and the refund proportion interval is related to the historical refund proportion of the refund reason in the historical time period, so that whether to reject the refund request can be better controlled.

[0070] Regarding step S130 or step S131, in some embodiments of the present disclosure, steps S133 to S134 as shown in Figure 3

[0071] Step S133, obtaining the total refund indicator value and the sub-refund indicator value of the refund reason in the historical time period or the current time period.

[0072] In some embodiments of the present disclosure, the total refund indicator value and the sub-refund indicator value can be obtained from the refund data interface provided by the order management system or the payment gateway through step S133; the total refund indicator value and the sub-refund indicator value can also be obtained from the order management database through step S133.

[0073] Step S134, dividing the sub-refund indicator value by the total refund indicator value to obtain the historical refund proportion or the current refund proportion.

[0074] In some embodiments of the present disclosure, for step S130, step S133 can be specifically obtaining the total refund indicator value and the sub-refund indicator value of the refund reason in the current time period; and step S134 can be specifically dividing the sub-refund indicator value by the total refund indicator value to obtain the current refund proportion.

[0075] For step S131, step S133 can be specifically obtaining the total refund indicator value and the sub-refund indicator value of the refund reason in the historical time period; and step S134 can be specifically dividing the sub-refund indicator value by the total refund indicator value to obtain the historical refund proportion.

[0076] Regarding step S132, in some embodiments of the present disclosure, steps S1321 to S1324 as shown in Figure 4

[0077] Step S1321, obtaining a proportion deviation.

[0078] In some embodiments of the present disclosure, the proportion deviation obtained through step S1321 is the upper and lower fluctuation range of the allowed historical refund proportion. The proportion deviation can be preset by the provider of the refund request processing software, and the proportion deviation can be fixed or adjusted in real time by the provider according to actual conditions (such as the fluctuation range of the real-time historical refund proportion).

[0079] ​​The same proportion deviation can be set for all refund reasons, and step S1321 specifically acquires a preset proportion deviation. Different proportion deviations can be set for different refund reasons, such as setting the proportion deviation of the refund reason of “unsatisfactory goods” to 10%, setting the proportion deviation of the refund reason of “out-of-stock goods” to 5%, and the like. In this case, step S1321 specifically acquires the proportion deviation corresponding to the refund reason.

[0080] The proportion deviation can also be set separately based on different industries. For example, the proportion deviation of the e-commerce industry can be set to between 3% and 5%, the proportion deviation of the clothing retail industry can be set to between 5% and 10%, the proportion deviation of the finance, game, and the like industries can be set to between 0.5% and 1%, and the like. The proportion deviation can also be set in combination with the industry and the refund reason.

[0081] Step S1322 determines the upper limit of the interval according to the sum of the historical refund proportion and the proportion deviation.

[0082] In some embodiments of the present disclosure, step S1322 can directly use the sum of the historical refund proportion and the proportion deviation as the upper limit of the interval.

[0083] Step S1323 determines the lower limit of the interval according to the difference between the historical refund proportion and the proportion deviation.

[0084] In some embodiments of the present disclosure, step S1323 can directly use the difference between the historical refund proportion and the proportion deviation as the lower limit of the interval.

[0085] Step S1324 determines the refund proportion interval according to the lower limit of the interval and the upper limit of the interval.

[0086] Steps S1321 to S1324 determine the refund proportion interval based on the proportion deviation, which can reduce the influence of data volatility.

[0087] The refund proportion interval obtained through step S1324 can include the upper limit of the interval and the lower limit of the interval, that is, the refund proportion interval is [lower limit of the interval, upper limit of the interval]. In particular, in order to more sensitively capture abnormal refund situations, the refund proportion interval obtained through step S1324 can also not include the upper limit of the interval and / or the lower limit of the interval. In this case, there are three cases of the refund proportion interval, the first case is (lower limit of the interval, upper limit of the interval), the second case is (lower limit of the interval, upper limit of the interval], and the third case is [lower limit of the interval, upper limit of the interval).

[0088] Regarding step S1323, in some embodiments of the present disclosure, the following steps can be included as shown in Figure 5 Subtract the proportion deviation from the historical refund proportion to obtain a proportion difference value; ​In response to the proportional difference value being not less than 0, the proportional difference value is taken as the lower limit of the interval; In response to the proportional difference value being less than 0, 0 is taken as the lower limit of the interval.

[0089] In some embodiments of the present disclosure, the value of the lower limit of the interval is adjusted when the proportional difference value is less than 0 through the above steps, so as to avoid meaningless negative refund proportion, and further avoid misleading decisions and improve the stability of data.

[0090] In some embodiments of the present disclosure, in order to realize fine management of the refund request, in addition to the request time and the refund reason, the request information can further include a business type, that is, a business line or a specific business scenario triggering the refund request, etc.

[0091] When the request information includes the business type, regarding step S130, in some embodiments of the present disclosure, steps S135 to S137 as shown in Figure 6 may be included.

[0092] Step S135, historical refund data is acquired.

[0093] In some embodiments of the present disclosure, step S135 can acquire the historical refund data from a database or other location storing the refund data.

[0094] Step S136, target refund data of the business type is acquired from the historical refund data.

[0095] In some embodiments of the present disclosure, step S136 can use the business type to filter the historical refund data to obtain the target refund data.

[0096] Step S137, the current refund proportion and the refund proportion interval are acquired according to the target refund data.

[0097] In some embodiments of the present disclosure, step S137 can acquire each refund index value based on the target refund data.

[0098] Steps S135 to S137 make the acquired current refund proportion and the refund proportion interval related to the business type, so as to be able to more accurately process the refund request and improve the accuracy of the refund request processing.

[0099] Further, the refund request processing method provided by the present disclosure can further include step S150 as shown in Figure 7 after step S140.

[0100] Step S150, the request information of the refund request is stored in an information database.

[0101] In some embodiments of the present disclosure, the information database in step S150 can be a relational database (RDBMS), a NoSQL database, a time-series database (TSDB), or the like. In particular, in order to provide an efficient data storage and query mechanism, the corresponding request information can be stored through a remote dictionary service (Redis), and when the total refund indicator value and the sub-refund indicator value are needed, the Redis can be directly queried; in order to further improve the query speed, the request information stored in the Redis can be stored according to the refund reason and the time period.

[0102] In particular, in order to improve the efficiency of processing the refund request, the refund proportion can also be directly stored in the Redis according to the refund reason and the time period, so that when the refund proportion is needed, a sorted set (Zset) can be directly queried. Specifically, a Zset can be set for each refund reason, and the refund proportion of different time periods can be recorded through the Zset. For example, the Zset of the refund reason "out of stock" can record {"2025-01-01T10:00-11:00 5%", "2025-01-01T11:00-12:00 8%}, and the Zset of the refund reason "unsatisfactory goods" can record {"2025-01-01T10:00-11:00 30%", "2025-01-01T11:00-12:00 35%}. Each time a new refund request is received, the data in the Zset is updated; for example, when the time of receiving a new refund request with the refund reason "unsatisfactory goods" is 2025-01-01T10:35, and the current record of the Zset of the refund reason "unsatisfactory goods" is {"2025-01-01T10:00-11:00 30%"}, the record is updated to {"2025-01-01T10:00-11:00 30.7%"}.

[0103] Based on the data structure of the Zset of the Redis, when the request information is stored in real time, it can be stored in real time according to the business type such as the business line, the specific business scenario, and the like; the content stored in the Zset can be sorted according to the time period, so as to ensure the efficiency of data query and update.

[0104] By storing the refund information into the information database through step S150, when the refund request is processed subsequently, the related data can be directly obtained from the information database, so as to improve the processing efficiency of the refund request.

[0105] Further, the refund request processing method provided by the present disclosure can further include step S160 as shown in Figure 8 after step S130.

[0106] Step S160, in response to the current refund ratio not exceeding the refund ratio interval, performing a refund operation related to the refund request.

[0107] In some embodiments of the present disclosure, when the current refund ratio does not exceed the refund ratio interval, it indicates that the current refund request is a normal refund request, and the refund operation related to the refund request can be directly performed through step S160.

[0108] The process of performing the refund operation related to the refund request through step S160 can include determining the refund amount (full refund or partial refund) and the refund path (returning the original way, refunding to the account balance, coupons or other compensation methods, etc.); generating a refund instruction according to the refund amount and the refund path; sending the refund instruction to the payment system or the bank; and in response to the payment system or the bank successfully performing the corresponding refund operation of the refund instruction, recording the refund flow and updating the order status to “refunded”.

[0109] Further, the refund request processing method provided by the present disclosure can further include step S170 as shown in Figure 9 after step S140.

[0110] Step S170, sending an interception notification of the intercepted refund request to the personnel with management authority.

[0111] In some embodiments of the present disclosure, the interception notification sent through step S170 is used to help the personnel with management authority accurately understand the background of the refund request, and further help the personnel with management authority make a wise decision. The interception notification can include order basic information related to the refund request, interception reasons, and possible subsequent steps, etc. In particular, in order to improve the accuracy of the decision of the personnel with management authority, in addition to the above information, evidence related to the refund request such as product pictures, payment vouchers, etc. can also be attached in the interception notification, and the historical refund records of the user can also be attached in the interception notification, so as to facilitate the personnel with management authority to pay attention to whether there is a malicious refund situation.

[0112] The personnel with the management authority can determine whether to handle the interception notification according to the professional field, work duty, and authority scope, etc. When a certain personnel with the management authority considers that the interception notification should be handled by himself / herself, the personnel with the management authority can claim the interception notification, confirm whether the operation of executing the interception refund request is correct, if the personnel with the management authority considers that the operation is correct, the interception notification can be sent to the related user as a rejection notification, informing the user that the refund request is rejected; if the personnel with the management authority considers that the operation is incorrect, the interception decision can be modified and sent to the refund request processing software, so as to control the refund request processing software to execute the refund operation related to the refund request based on the modified decision; if the personnel with the management authority has doubts about the operation and cannot determine whether the operation is correct, the interception notification can be transferred to the upstream related department for further processing.

[0113] After the operation of executing the interception refund request is performed through step S170, the interception notification is sent to the personnel with the management authority, so that the personnel with the management authority can make a correct decision based on the interception notification, thereby reducing the misjudgment of the refund request processing and improving the accuracy of the refund request processing.

[0114] When the personnel with the management authority considers that the operation of executing the interception refund request is incorrect, the refund request processing method provided by the present disclosure can further include step S180 as shown in the following. Figure 10

[0115] Step S180, in response to receiving the refund instruction of the passed refund request sent by the personnel with the management authority, executing the refund operation related to the refund request according to the refund instruction.

[0116] The incorrect interception operation is corrected through step S180, which can improve the accuracy of the refund request processing.

[0117] Further, the refund request processing method provided by the present disclosure can further include step S190 as shown in the following after step S140. Figure 11

[0118] Step S190, obtaining and recording the interception reason of the intercepted refund request.

[0119] In some embodiments of the present disclosure, the interception reason obtained through step S190 can include that the current refund ratio exceeds the refund ratio interval, etc., and can also include order information and other contents.

[0120] Recording the interception reason through step S190 can facilitate subsequent investigation and improvement of the rules.

[0121] ​​The refund request processing method provided by the present disclosure dynamically evaluates and monitors the current refund ratio corresponding to the refund request through the refund ratio interval related to the historical refund ratio, to determine the rationality of the refund request. When it is detected that the current refund ratio exceeds the refund ratio interval, it is determined that there is an abnormal refund. The refund request processing software triggers the fuse mechanism to perform the operation of intercepting the refund request, thereby effectively intercepting the possible erroneous refund request, avoiding the loss of funds, and improving the accuracy and security of the fund circulation.

[0122] In the refund request processing method, the historical time period changes over time, and the refund ratio interval related to the historical refund ratio is dynamically adjusted, thereby improving the accuracy of the refund request processing.

[0123] Through the fast data operation capability provided by Redis, the low delay performance of the refund request processing software in a high concurrency scenario can be guaranteed, and horizontal expansion of multiple business lines and the like is supported, thereby improving the efficiency of the refund request processing.

[0124] The refund request processing method provided by the present disclosure can be applied to industries related to fund circulation, user rights protection, and service cancellation, such as the financial industry, the banking industry, the insurance industry, the tourism and hotel industry, the education and training industry, the medical and health industry, the logistics industry, and the game and virtual goods industry.

[0125] Figure 12 An example diagram implemented based on the refund request processing method of the present disclosure is shown.

[0126] Figure 12 In the flowchart shown, taking the refund of the takeout industry as an example, the refund request processing process can include: Step S210, in response to receiving a takeout refund request, obtaining request information of the refund request.

[0127] In some embodiments of the present disclosure, it is assumed that the takeout refund request in step S210 is triggered because a database update error causes the order status of a certain delivered order to be incorrectly marked as “canceled”. The request information obtained through step S210 can include the request time “2025-03-12T11:14” and the refund reason “out of stock”.

[0128] Step S220, determining the current time period to which the request time belongs and the historical time period related to the request time according to the time segmentation standard.

[0129] In some embodiments of the present disclosure, taking the time segmentation standard in step S220 as an example of dividing a time period every half hour, and taking the day before the time of the historical reference request as an example, the current time period obtained through step S220 can be 2025-03-12T11:00-11:30; in particular, in order to improve the processing efficiency of the refund request, the current time period obtained through step S120 can be specifically 2025-03-12T11:00-11:14. The historical time period obtained through step S120 can be 2025-03-11T11:00-11:30.

[0130] Step S230: Obtain the current refund ratio and the refund ratio interval.

[0131] In some embodiments of the present disclosure, taking the refund ratio of the "out of stock" reason as an example before receiving the takeout refund request: {"2025-03-12T11:00 to 11:30": 9.5%}, since the current time is not yet 11:30, therefore although the refund ratio shows the time period as 11:00-11:30, the actual statistical data is from 11:00-11:13. When obtaining the current refund ratio through step S230, the refund request adds one to the numerator and denominator of the above-mentioned refund ratio, so the current refund ratio obtained through step S230 is {"2025-03-12T11:00-11:30": 10.4%}.

[0132] Taking the historical refund ratio corresponding to 2025-03-11T11:00-11:30 as an example, which is 4%, and the ratio deviation is 6%, the refund ratio interval obtained through step S230 can be [-2%, 10%]; in particular, in order to avoid meaningless negative refund ratio, and thus avoid misleading decisions, the refund ratio interval can be [0%, 10%].

[0133] Step S240: In response to the current refund ratio exceeding the refund ratio interval, perform the operation of intercepting the takeout refund request.

[0134] In some embodiments of the present disclosure, since the current refund ratio obtained through step S230 is 10.4%, which exceeds the refund ratio interval [0%, 10%], therefore the takeout refund request can be regarded as an abnormal refund, and the operation of intercepting the refund request is performed through step S240.

[0135] If the current refund ratio obtained through step S230 is less than or equal to 10%, the takeout refund request can be considered as a normal refund, and the refund operation related to the refund request is performed.

[0136] After the operation of intercepting the refund request is performed through step S240, an interception notification corresponding to the operation can be generated, and the content of the interception notification is, for example, "processed, it is decided to intercept the takeout refund request, the interception reason is that the current refund proportion 10.4% corresponding to the takeout refund request exceeds the refund proportion interval [0%, 10%], please pay attention to verify the specific details of the rejected refund, if the intercepted refund is correct, please confirm, if the intercepted refund is incorrect, please modify. If there is any problem or content that needs to be further verified, please contact the relevant department in time". Personnel with management authority have the right to audit and process the interception notification.

[0137] At the same time of performing the operation of intercepting the takeout refund request, the historical refund behavior, order abnormality, and payment method of the user can also be analyzed to further determine whether the user needs to be listed in the high-risk user list, so that more stringent risk control measures can be taken subsequently, such as limiting the refund permission of the user, marking the refund request as needing manual audit, and the like.

[0138] It can be understood that before using the technical solutions disclosed in the embodiments of the present disclosure, the type, use range, use scenario, and the like of the personal information involved in the present disclosure should be informed to the user and the authorization of the user should be obtained through appropriate means according to relevant laws and regulations.

[0139] For example, in response to receiving the active request of the user, prompt information is sent to the user to explicitly prompt the user that the operation requested to be performed will need to obtain and use the personal information of the user. Thus, the user can voluntarily choose whether to provide the personal information to the software or hardware such as the electronic device, application program, server, or storage medium that performs the operation of the technical solution of the present disclosure according to the prompt information.

[0140] As an optional but non-limiting implementation manner, in response to receiving the active request of the user, the manner of sending prompt information to the user may, for example, be a pop-up window manner, and the prompt information can be presented in the form of text in the pop-up window. In addition, the pop-up window can also carry selection controls for the user to select "agree" or "disagree" to provide personal information to the electronic device.

[0141] It can be understood that the above notification and user authorization process is only illustrative, and does not limit the implementation manner of the present disclosure, and other manners that meet the relevant laws and regulations can also be applied to the implementation manner of the present disclosure.

[0142] At the same time, it can be understood that the data involved in the technical solution of the present disclosure (including but not limited to the data itself, the acquisition or use of the data) should comply with the requirements of the corresponding laws and regulations and relevant provisions.

[0143] Based on any one of the above embodiments, the present disclosure further provides a refund request processing device.

[0144] Figure 13 is a structure schematic block diagram of a refund request processing apparatus of one embodiment of the present disclosure.

[0145] As shown in Figure 13 , the refund request processing apparatus comprises: An information obtaining module 110, configured to, in response to receiving a refund request, obtain request information of the refund request; the request information comprises a request time and a refund reason.

[0146] A time period determining module 120, configured to determine a current time period to which the request time belongs and a history time period related to the request time according to a time segmentation standard.

[0147] An interval obtaining module 130, configured to obtain a current refund proportion and a refund proportion interval; the current refund proportion is a proportion of a refund index value of the refund reason in the current time period to total refund index values in the current time period, and the refund proportion interval is determined according to a proportion of a refund index value of the refund reason in the history time period to total refund index values in the history time period.

[0148] A refund rejection module 140, configured to, in response to the current refund proportion exceeding the refund proportion interval, perform an operation of intercepting the refund request.

[0149] The above-mentioned refund request processing apparatus can be in the form of computer software, and each module of the above-mentioned refund request processing apparatus can be realized by computer software modules.

[0150] The implementation process of the functions and effects of each module in the above-mentioned apparatus is specifically described in the implementation process of the corresponding steps in the above-mentioned method, and will not be repeated here.

[0151] The execution subject of the refund request processing method in the specific embodiment of the present disclosure can be an electronic device such as a server.

[0152] Therefore, based on any one of the above-mentioned embodiments, the present disclosure further provides an electronic device which can execute the refund request processing method of any one of the above-mentioned embodiments of the present disclosure.

[0153] Figure 14 is a structure schematic block diagram of an electronic device 1000 of one embodiment of the present disclosure.

[0154] The hardware structure of the electronic device 1000 can be implemented using a bus architecture. The bus architecture can include any number of interconnecting buses and bridges, depending on the specific application of the hardware and the overall design constraints. The bus 1100 connects various circuits including one or more processors 1200, memory 1300, and / or hardware modules together. The bus 1100 can also connect various other circuits 1400 such as peripheral devices, voltage regulators, power management circuits, external antennas, etc.

[0155] The bus 1100 can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, only one connection line is shown in the figure, but it does not mean that there is only one bus or one type of bus.

[0156] The present disclosure also provides a readable storage medium having a computer program stored therein, the computer program being executed by a processor to implement the above-described method. The "readable storage medium" can be any device that can contain, store, communicate, propagate or transport programs for use by or in conjunction with an instruction execution system, apparatus or device. More specific examples of the readable storage medium include the following: an electrical connection having one or more wires (electronic device), a portable computer disk cartridge (magnetic device), a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disc read-only memory (CDROM), etc.

[0157] The present disclosure also provides a computer program product, and the method of the present disclosure can be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer programs or instructions. When the computer program or instructions are loaded and executed, the flow or function of the present disclosure is executed in whole or in part.

[0158] The computer program or instructions can be stored in or transferred from one computer-readable medium to another, e.g., from one website or computer to another website or computer, by way of wired or wireless communication. The computer-readable medium can be any available medium or a combination of one or more of the available media, which is accessible by a computer or a data storage device such as a server, a data center, etc. The available medium can be a magnetic medium, e.g., a floppy diskette, a hard disk drive, a magnetic tape; an optical medium, e.g., a compact disk, a DVD; or a semiconductor medium, e.g., a solid state disk. The computer-readable medium can be a volatile or non-volatile medium, or can include both volatile and non-volatile media.

[0159] Those skilled in the art will appreciate that embodiments of the present disclosure can be readily used as a method, apparatus, or computer program product. Accordingly, the present disclosure can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present disclosure can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, magnetic disks, CD-ROMs, optical storage media, etc.) embodying computer program code.

[0160] The present disclosure is described in reference to the flowchart and / or block diagrams of the method, apparatus (system) and computer program product according to this disclosure. It should be understood that each flow and / or block in the flowchart and / or block diagrams, and a combination of flows and / or blocks in the flowchart and / or block diagrams can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing apparatus to produce a machine, so that the instructions, which are executed via the processor of the computer or other programmable data processing apparatus, generate a means for implementing the functions specified in the flowchart and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 an apparatus to perform the functions specified in one or more flows and / or blocks.

[0161] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to work in a specific manner, so that the instructions stored in the computer-readable memory produce a manufacture product including an instruction apparatus, which implements the functions specified in the flowchart and / or block diagrams. Figure 1 one or more flows and / or blocks Figure 1 an apparatus to perform the functions specified in one or more flows and / or blocks.

[0162] These computer program instructions can also be loaded into a computer or other programmable data processing devices, so that a series of operational steps are performed on the computer or other programmable data processing devices to generate a computer implemented process, so that the instructions executed on the computer or other programmable data processing devices provide the function of implementing the flow Figure 1 one flow or a plurality of flows and / or a function specified in a block Figure 1 one block or a plurality of blocks.

[0163] In the description of the present specification, the description of the terms "one embodiment / way", "some embodiments / ways", "an example", "a specific example", or "some examples" and the like means that the specific features, structures, or characteristics described in connection with the embodiment / way or example are included in at least one embodiment / way or example of the present disclosure. In the present specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment / way or example. Also, the specific features, structures, or characteristics described can be combined in any appropriate manner in any one or more embodiments / ways or examples. In addition, the person skilled in the art can combine and combine the different embodiments / ways or examples described in the present specification and the features of the different embodiments / ways or examples, without contradiction.

[0164] In addition, the terms "first", "second" are only for the purpose of description, and cannot be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined with "first", "second" can explicitly or implicitly include at least one of the features. In the description of the present disclosure, the meaning of "a plurality of" is at least two, for example, two, three, etc., unless otherwise explicitly specified.

[0165] The person skilled in the art should understand that the above-mentioned embodiments are only for the purpose of clearly illustrating the present disclosure, and not for limiting the scope of the present disclosure. Based on the above disclosure, other changes or modifications can also be made by those skilled in the art, and these changes or modifications are still within the scope of the present disclosure.

Claims

1. A refund request processing method, characterized in that: include: In response to receiving a refund request, obtaining request information of the refund request; The request information includes the request time and the refund reason; Determine the current time period to which the request time belongs and the historical time period related to the request time according to a time segmentation standard; Obtaining a current refund ratio and a refund ratio range, wherein the current refund ratio is the ratio of the refund index value of the refund reason in the current time period to the total refund index value in the current time period, and the refund ratio range is determined based on the ratio of the refund index value of the refund reason in the historical time period to the total refund index value in the historical time period; and In response to the current refund ratio exceeding the refund ratio range, an operation of intercepting the refund request is performed.

2. The refund request processing method according to claim 1, characterized in that: The method of obtaining the current refund ratio and refund ratio range includes: Obtaining a historical refund ratio, where the historical refund ratio is the ratio of the refund index value of the refund reason in the historical time period to the total refund index value in the historical time period; and The refund ratio range is determined according to the historical refund ratio.

3. The refund request processing method according to claim 2, characterized in that: Determining the refund ratio range based on the historical refund ratio includes: Get the proportional deviation; Determine the upper limit of the range based on the sum of the historical refund ratio and the ratio deviation; determining a lower limit of the range based on the difference between the historical refund ratio and the ratio deviation; and The refund ratio range is determined based on the lower limit of the range and the upper limit of the range.

4. The refund request processing method according to claim 3, characterized in that: Determining the lower limit of the interval based on the difference between the historical refund ratio and the ratio deviation includes: Subtract the ratio deviation from the historical refund ratio to obtain a ratio difference; In response to the proportional difference being not less than 0, taking the proportional difference as the lower limit of the interval; and In response to the ratio difference being less than 0, 0 is used as the lower limit of the interval.

5. The refund request processing method according to any one of claims 1 to 4, characterized in that: In response to the request information further including the business type, obtaining the current refund ratio and refund ratio range includes: Get historical refund data; Acquire target refund data of the business type from the historical refund data; and The current refund ratio and refund ratio range are obtained based on the target refund data.

6. The refund request processing method according to any one of claims 1 to 4, characterized in that: After obtaining the current refund ratio and refund ratio range, the following steps are also included: In response to the current refund ratio not exceeding the refund ratio range, a refund operation related to the refund request is performed.

7. The refund request processing method according to any one of claims 1 to 4, characterized in that: After intercepting the refund request, the method further includes: An interception notification is sent to a person with administrative authority to intercept the refund request.

8. The refund request processing method according to claim 7, characterized in that: After sending an interception notification of intercepting the refund request to a person with management authority, the method further includes: In response to receiving a refund instruction for the refund request sent by the person with management authority, a refund operation related to the refund request is performed according to the refund instruction.

9. The refund request processing method according to any one of claims 1 to 4, characterized in that: After intercepting the refund request, the method further includes: Obtain and record the reason for intercepting the refund request.

10. An electronic device, characterized in that: include: a memory storing execution instructions; as well as A processor, wherein the processor executes the execution instruction stored in the memory, so that the processor executes the refund request processing method according to any one of claims 1 to 9.

11. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the refund request processing method according to any one of claims 1 to 9 is implemented.

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