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CN115439191A - Order refund application processing method and system - Google Patents

Order refund application processing method and system Download PDF

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Publication number
CN115439191A
CN115439191A CN202211192384.2A CN202211192384A CN115439191A CN 115439191 A CN115439191 A CN 115439191A CN 202211192384 A CN202211192384 A CN 202211192384A CN 115439191 A CN115439191 A CN 115439191A
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refund
amount
trial
charge
calling
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覃松林
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China Construction Bank Corp
CCB Finetech Co Ltd
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China Construction Bank Corp
CCB Finetech Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0633Lists, e.g. purchase orders, compilation or processing
    • G06Q30/0635Processing of requisition or of purchase orders
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407Cancellation of a transaction

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Abstract

The invention relates to an order refund application processing method and system, which comprises the steps of receiving a refund request, and acquiring order information of an order corresponding to the refund request; determining the amount of money to be refunded according to the order information; calling a commission fee trial calculation interface of the collection component, and trial calculating the commission fee based on the refund amount to obtain a trial calculation commission fee; calling a refund account-entering interface, and transferring the total amount to a contract account of the receipt component, wherein the total amount is the refund amount and the total amount of the trial-calculated commission charge; calling a refund interface of the collection component, and refunding the refund amount to a user account; calling a handling fee inquiry interface of the collection component to obtain actual handling fees; and recording the refund fund difference, and adjusting the adjustment amount according to the refund fund difference. The refund method has the advantages that the refund total amount paid by a refund merchant is calculated in advance before refund, and the total amount is transferred to a collection component before refund, so that the refund in the situation that the fund is given first and then refund is carried out, and the fund amount cannot be completely determined before refund is realized.

Description

Order refund application processing method and system
Technical Field
The invention relates to the technical field of computers, in particular to an order refund application processing method and system.
Background
Based on the background of division of labor of each component/system in the bank, the general process of the refund mode in the prior art is as follows: the consumer initiates a refund application through the platform side system, and the platform side system transfers a refund request to the settlement component; the settlement component calls the online bank, and the online bank calls the acquisition component to return funds to the consumer; at the end of the day, the settlement component aggregates the refund funds for the day to the acquirer component.
Because the management and control of the amount of money are enhanced at present, the daily income fund of a merchant is required to be not less than the refund and expenditure withdrawal fund, and for some platforms with small transaction amount, the daily income fund of money is less than the refund amount of money when refund occurs very easily, so that the refund mode in the prior art cannot be successfully refund. And the old mode is online interface real-time refund, and the automatic processing capacity for network failure and other abnormal conditions is insufficient, so that the operation and maintenance workload is large.
Disclosure of Invention
In order to solve the defects of the prior art, the invention provides an order refund application processing method and system, which are used for ensuring that sufficient refund funds exist during refund by calculating the total amount of refund merchant funding before refund and transferring the total amount to a collection component before refund. And the refund processing logic is decoupled, and the full-automatic processing of an abnormal scene is realized.
In order to achieve the above purpose, the technical scheme adopted by the invention comprises the following steps:
an order refund application processing method comprises the following steps:
receiving a refund request, and acquiring order information of an order corresponding to the refund request;
determining the refund amount according to the order information;
judging whether the refund corresponding to the refund request is the refund on the same day of the payment;
if the refund corresponding to the refund request is the non-payment daily refund, calling a commission charge trial calculation interface of a collection component, and trial calculating the commission charge based on the refund amount to obtain a trial calculation commission charge;
calling a refund account-entering interface, and transferring the total amount to a contract account of the receipt component, wherein the total amount is the refund amount and the total amount of the trial-calculated commission charge;
calling a refund interface of the collection component, and refunding the refund amount to a user account;
calling a commission charge query interface of the collection component to obtain the actual commission charge;
judging whether the trial-calculated commission charge is consistent with the actual commission charge;
and if the trial calculation procedure charge is inconsistent with the actual procedure charge, recording the refund fund difference, and adjusting the adjusted account amount according to the refund fund difference.
Further, the obtaining order information of the order corresponding to the refund request includes:
checking whether the order allows refund;
if the verification fails, returning a refund failure;
if the verification is passed, locking the order, and changing the order state of the order into refund;
the orders include a main order and a sub-order.
Further, the determining the amount to be refunded according to the order information and determining whether the refund corresponding to the refund request is the refund on the current day of payment further comprises:
and if the refund corresponding to the refund request is the refund on the same day of payment, the internet bank outbound interface refunds.
Further, the refund for the current day on which the refund request corresponds to further comprises:
judging whether the refund corresponding to the refund request is the refund from the deposit account after being divided;
if the refund corresponding to the refund request is the refund from the deposit account after the payment is divided;
and the step of calling a refund account-entering interface to transfer the total amount to a contract account of the acquirer component comprises the step of transferring the total amount from a guarantee account to the acquirer component.
Further, the recording the refund fund difference comprises calculating the refund fund difference;
the refund fund difference is the difference between the trial calculation procedure charge and the actual procedure charge;
when the trial calculation procedure charge is smaller than the actual procedure charge, the refund fund difference is a negative number;
and when the trial balance procedure charge is larger than the actual procedure charge, the refund fund difference is a positive number.
Further, the method also comprises the steps of recording refund information and generating a refund information table;
the refund information table comprises a refund flow chart and an asynchronous processing flow control table.
The invention also relates to an order refund application processing system, which comprises:
the system comprises an acquisition module, a payment refund processing module and a payment processing module, wherein the acquisition module is used for receiving a payment refund request and acquiring order information of an order corresponding to the payment refund request;
the determining module is used for determining the amount of money to be refunded according to the order information;
the first judgment module is used for judging whether the refund corresponding to the refund request is the refund on the day of payment;
the calculation module is used for calling a commission charge trial calculation interface of the collection component if the refund corresponding to the refund request is the non-payment day refund, and calculating the commission charge on the basis of the refund amount to obtain a trial charge;
the transfer module is used for calling a refund posting interface and transferring the total amount to a contract account of the receipt component, wherein the total amount is the refund amount and the total amount of the trial commission charge;
the refund module is used for calling a refund interface of the receipt component and refunding the refund amount to a user account;
the query module is used for calling the commission charge query interface of the collection component to obtain the actual commission charge;
the second judgment module is used for judging whether the trial-calculated commission charge is consistent with the actual commission charge;
and the adjusting account module is used for recording the refund fund difference if the trial-calculated commission charge is inconsistent with the actual commission charge, and adjusting the adjusting account amount according to the refund fund difference.
The invention also relates to a computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the above-mentioned method.
The invention also relates to an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, which when executed by the processor implements the above-mentioned method.
The invention also relates to a computer program product comprising a computer program and/or instructions, characterized in that the computer program and/or instructions, when executed by a processor, implement the steps of the above-mentioned method.
The invention has the beneficial effects that:
the invention ensures that enough refund funds exist during refund by trying out the total amount of the refund payment of the refund merchant before refund and transferring the total amount to the collection component before refund. The refund of the situation that the fund is given first and then refunded and the fund amount cannot be completely determined before refunding is realized. And the refund processing logic is decoupled, so that the full-automatic processing of an abnormal scene is realized, and the workload of manual operation and maintenance is reduced.
Drawings
FIG. 1 is a flow chart of a processing method for applying for refund in an order according to the present invention.
FIG. 2 is a schematic diagram of an order refund application processing system according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be understood that throughout the description and claims of this application, unless the context clearly requires otherwise, the words "comprise", "comprising", and the like, are to be construed in an inclusive sense as opposed to an exclusive or exhaustive sense; that is, what is meant is "including, but not limited to".
It will be further understood that the terms "first," "second," and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. In addition, in the description of the present application, the meaning of "a plurality" is two or more unless otherwise specified.
It should be noted that the terms "S1", "S2", etc. are used for descriptive purposes only, are not intended to refer specifically to an order or sequential meaning, nor are they intended to limit the present application, but are merely used for convenience in describing the method of the present application and are not to be construed as indicating the order of the steps. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present application.
The first aspect of the present invention relates to an order refund application processing method with a step flow shown in fig. 1, which is applied to a settlement component and comprises the following steps:
receiving a refund request, and acquiring order information of an order corresponding to the refund request;
specifically, in the embodiment of the present application, a refund request from a user is received, and whether refund is allowed is checked, where the refund is not allowed to pass the checking: the interface returns directly, the service response state is 'failure'; if the verification is passed, locking the order, and changing the order states of the main order table and the sub order table into 'refund';
if an abnormity occurs: a. and backing data: a back order status; b. the interface returns directly, and the service response status is 'failure'.
Determining the amount of money to be refunded according to the order information;
judging whether the refund corresponding to the refund request is the refund on the day of payment;
in some embodiments, if the refund corresponding to the refund request is the refund on the current day of payment, the outbound internet bank interface refunds.
If the refund corresponding to the refund request is the non-payment day refund, calling a commission fee trial calculation interface of the collection component, and trial calculating the commission fee based on the refund amount to obtain a trial calculation commission fee;
calling a refund account-entering interface, and transferring the total amount to a contract account of the receipt component, wherein the total amount is the refund amount and the total amount of the trial-calculated commission charge;
calling a refund interface of the collection component, and refunding the refund amount to a user account;
under the existing refund mode, a consumer initiates a refund application through a platform side system; the platform side system transfers the refund request to the settlement component; the settlement component calls the internet bank, and the internet bank calls the receipt component to return funds to the consumer; at the end of the day, the settlement component aggregates the refund funds for the day to the acquirer component. At present, the current income fund of a merchant is required to be not less than the refund and payment fund, and the current income fund of the merchant is very easy to be less than the refund amount in the refund mode, so that the condition that the refund cannot be successful occurs.
In the embodiment of the application, the settlement component firstly tries to calculate the refund amount of the refund merchant before refund, namely the refund amount and the total amount of the trial commission fee, and transfers the funded fund to the contract account of the receipt component before refund so as to ensure that the receipt component has enough refund fund during refund.
Specifically, in the embodiment of the application, refund information is recorded in the order refund application processing process, and a refund information table is generated; the refund information table comprises a refund flow chart and an asynchronous processing flow control table. Every time a refund request is received, a record is added to the refund flow chart, and the refund state is 'accepted'.
If the refund corresponding to the refund request is the non-payment day refund, judging whether the refund corresponding to the refund request is the refund from the deposit account after being divided into accounts;
if the refund corresponding to the refund request is the refund from the deposit account after the branch account;
calling a commission fee trial calculation interface of the collection component, and trial calculating the commission fee based on the refund amount to obtain a trial calculation commission fee;
the refund and posting interface is called, and the total amount is transferred from the deposit account to the contract account of the receipt component;
calling a refund interface of the collection component, and refunding the refund amount to a user account;
calling a commission charge query interface of the collection component to obtain the actual commission charge;
judging whether the trial-calculated commission charge is consistent with the actual commission charge;
and if the trial-calculation commission charge is inconsistent with the actual commission charge, recording the refund fund difference, and adjusting the adjusted amount according to the refund fund difference. As in the following table:
Figure BDA0003869985610000051
Figure BDA0003869985610000061
and informing the market party of the refund result by calling the refund result informing address of the market party. If the refund is successful, the interface returns the refund serial number, and the service response state is 'success'.
In some embodiments, if the refund corresponding to the refund request is not the refund from the deposit account after the branch account, that is, the refund from the fund to be distributed after the branch account or the refund before the branch account, a commission charge calculation interface of the collection component is called, and the commission charge is calculated on the basis of the refund amount to obtain a commission charge;
calling a refund account-entering interface, and transferring the total amount to a contract account of the receipt component, wherein the total amount is the refund amount and the total amount of the trial-calculated commission charge;
calling a refund interface of the receipt component, and refunding the refund amount to a user account;
calling a commission charge query interface of the collection component to obtain the actual commission charge;
judging whether the trial-calculated commission charge is consistent with the actual commission charge;
and if the trial-calculation commission charge is inconsistent with the actual commission charge, recording the refund fund difference, and adjusting the adjusted amount according to the refund fund difference. And informing the market party of the refund result by calling the refund result informing address of the market party. If the refund is successful, the interface returns the refund serial number, and the service response state is 'success'. As in the following table:
process instance ID Next Process instance ID Type of treatment Processing state
Example scheme 001 Example 002 of the procedure R110-fund transfer-to-collection component 1-waiting for ledger
Example 002 of the procedure Example scheme 003 R200-online refund 0-initial
Example scheme 003 Example procedure 004 R300-refund fund difference record 0-initial
Example procedure 004 Example procedure 005 R400-refund real account 0-initial
Example procedure 005 R500-refund result notification 0-initial
And informing the market party of the refund result by calling the refund result informing address of the market party. If the refund is successful, the interface returns the refund serial number, and the service response state is 'successful'.
In some embodiments, if an exception occurs: a. and backing data: the order state is returned, the refund state in the refund flow meter is changed into 'refund failure', and the processing state in the asynchronous processing flow control table is changed into 'cancel'; b. the interface returns directly, and the service response status is "failure".
Specifically, when the refund is interrupted, the refund pipeline in the "processing interruption" state is processed, and the operation types are as follows: and continuing refunding and canceling the refund.
When refund is continued, the asynchronous processing flow control table is modified: the processing state is changed from 'interrupt' to 'pending'.
When canceling the refund, if the refund is refund from the fund to be distributed after the distribution or refund before the distribution (on the non-payment day), modifying the asynchronous processing flow control table as follows:
process instance ID Next Process instance ID Type of treatment Processing state Processing the results
Example scheme 001 Example Process 006 R110-fund transfer-to-collection component 4-treatment failure 1-failure
Example 002 of the procedure R200-online refund 5-cancellation
Example scheme 003 R300-refund fund difference record 5-cancellation
Example Process 006 Example procedure 004 R11C-fund transfer-to-collection component withdrawal pin 1-to be treated
Example procedure 004 Example procedure 005 R400-refund real account 0-initial
Example procedure 005 R500-refund result notification 0-initial
If the refund is refund from the deposit account after the branch account, and the interrupt node is R100, namely the interruption is carried out when funds are transferred from the deposit to the settlement component contract account, the asynchronous processing flow control table is modified as follows:
Figure BDA0003869985610000071
if the refund is refund from the security account after the branch account, and the interrupt node is R110, namely the interruption is carried out when funds are transferred to the receiving component contract account, the asynchronous processing flow control table is modified as follows:
Figure BDA0003869985610000072
Figure BDA0003869985610000081
in the embodiment of the application, day automatic tasks are set, wherein the day automatic tasks comprise refund fund transfer and are used for regularly processing fund transfer between a settlement component and a receipt component as well as between market party deposit accounts; the online bank refund is used for calling the online bank interface outside at regular time and refunding the online bank to the consumer; the refund transfer fund difference record is used for recording the transfer fund difference and is used for a daily final collection component to adjust the automatic task tie account; and the refund result notification is used for notifying the market party of the refund result by calling the refund result notification address of the market party.
Setting an automatic daily end task, namely collecting a component for adjustment, and recording a refund fund difference, wherein the refund fund difference is the difference between the trial-calculated commission charge and the actual commission charge; when the trial calculation procedure charge is smaller than the actual procedure charge, the refund fund difference is a negative number; and when the trial balance procedure charge is larger than the actual procedure charge, the refund fund difference is a positive number, and the reconciliation amount is adjusted.
It should be noted that the data collection related to the patent is in accordance with the personal information protection regulations, does not relate to the act of infringing the interests of unspecified third parties, and is in full accordance with the relevant national laws and regulations regarding personal information collection.
Another aspect of the present invention relates to a system for processing an order refund application, which is shown in fig. 2 and includes:
the system comprises an acquisition module, a payment refund processing module and a payment processing module, wherein the acquisition module is used for receiving a payment refund request and acquiring order information of an order corresponding to the payment refund request;
the determining module is used for determining the amount of money to be refunded according to the order information;
the first judgment module is used for judging whether the refund corresponding to the refund request is the refund on the day of payment;
the calculation module is used for calling a commission charge trial calculation interface of the collection component if the refund corresponding to the refund request is the non-payment day refund, and calculating the commission charge on the basis of the refund amount to obtain a trial charge;
the transfer module is used for calling a refund posting interface and transferring the total amount to a contract account of the receipt component, wherein the total amount is the refund amount and the total amount of the trial commission charge;
the refund module is used for calling a refund interface of the collection component and refunding the refund amount to the user account;
the query module is used for calling the commission charge query interface of the collection component to obtain the actual commission charge;
the second judgment module is used for judging whether the trial-calculated commission charge is consistent with the actual commission charge;
and the adjusting and accounting module is used for recording the refund fund difference if the trial-calculated commission charge is inconsistent with the actual commission charge, and adjusting the adjusting and accounting amount according to the refund fund difference.
By using this system, the above-described arithmetic processing method can be executed and a corresponding technical effect can be achieved.
An embodiment of the present invention further provides a computer-readable storage medium capable of implementing all the steps in the order refund application processing method in the above embodiment, where the computer-readable storage medium stores a computer program, and the computer program, when executed by a processor, implements all the steps of the order refund application processing method in the above embodiment.
The embodiment of the present invention further provides an electronic device for executing the method, as an implementation apparatus of the method, the electronic device at least has a processor and a memory, and particularly, the memory stores data required for executing the method and related computer programs, and the processor calls the data and the programs in the memory to execute all steps of the implementation method, and obtains corresponding technical effects.
Preferably, the electronic device may comprise a bus architecture, which may include any number of interconnected buses and bridges linking together various circuits including one or more processors and memory. The bus may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface provides an interface between the bus and the receiver and transmitter. The receiver and transmitter may be the same element, i.e., a transceiver, providing a means for communicating with various other systems over a transmission medium. The processor is responsible for managing the bus and general processing, while the memory may be used to store data used by the processor in performing operations.
Additionally, the electronic device may further include a communication module, an input unit, an audio processor, a display, a power source, and the like. The processor (or controller, operation control) may include a microprocessor or other processor device and/or logic device, which receives input and controls the operation of various components of the electronic device; the memory may be one or more of a buffer, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices, and may store the above-mentioned related data information, and may also store a program for executing the related information, and the processor may execute the program stored in the memory to realize information storage or processing, etc.; the input unit is used for providing input to the processor, and can be a key or a touch input device; the power supply is used for supplying power to the electronic equipment; the display is used for displaying display objects such as images and characters, and may be an LCD display, for example. The communication module is a transmitter/receiver that transmits and receives signals via an antenna. The communication module (transmitter/receiver) is coupled to the processor to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal. Based on different communication technologies, a plurality of communication modules, such as a cellular network module, a bluetooth module and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) is also coupled to a speaker and a microphone via an audio processor to provide audio output via the speaker and receive audio input from the microphone to implement the usual telecommunication functions. The audio processor may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor is also coupled to the central processor, so that recording on the local machine can be realized through the microphone, and sound stored on the local machine can be played through the loudspeaker.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a system for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction system which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including the preferred embodiment and all changes and modifications that fall within the scope of the invention.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are also within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (10)

1. An order refund application processing method applied to a settlement component is characterized by comprising the following steps:
receiving a refund request, and acquiring order information of an order corresponding to the refund request;
determining the refund amount according to the order information;
judging whether the refund corresponding to the refund request is the refund on the day of payment;
if the refund corresponding to the refund request is the non-payment daily refund, calling a commission charge trial calculation interface of a collection component, and trial calculating the commission charge based on the refund amount to obtain a trial calculation commission charge;
calling a refund account-entering interface, and transferring the total amount to a contract account of the receipt component, wherein the total amount is the refund amount and the total amount of the trial-calculated commission charge;
calling a refund interface of the collection component, and refunding the refund amount to a user account;
calling a commission charge query interface of the collection component to obtain the actual commission charge;
judging whether the trial-calculated commission charge is consistent with the actual commission charge or not;
and if the trial-calculation commission charge is inconsistent with the actual commission charge, recording the refund fund difference, and adjusting the adjusted amount according to the refund fund difference.
2. The method of claim 1, wherein obtaining order information for an order corresponding to the chargeback request comprises:
checking whether the order allows refund;
if the verification is not passed, returning a refund failure;
if the verification is passed, locking the order, and changing the order state of the order into refund;
the orders include a main order and a sub-order.
3. The method of claim 2, wherein determining an amount to be refunded based on the order information and determining whether the refund corresponding to the refund request is a daily refund on a payment day further comprises:
and if the refund corresponding to the refund request is the refund on the day of payment, the external calling internet bank interface refunds.
4. The method of claim 3, wherein the refund request if the refund corresponds to a refund for a non-payment day further comprises:
judging whether the refund corresponding to the refund request is the refund from the deposit account after being divided;
if the refund corresponding to the refund request is the refund from the deposit account after the branch account;
and calling a refund and posting interface to transfer the total amount to a contract account of the receipt component, wherein the step of transferring the total amount from a deposit account to the receipt component is included.
5. The method of claim 4, wherein said recording a refund fund difference comprises calculating the refund fund difference;
the refund fund difference is the difference between the trial and actual commission charge;
when the trial calculation procedure charge is smaller than the actual procedure charge, the refund fund difference is a negative number;
and when the trial balance procedure charge is larger than the actual procedure charge, the refund fund difference is a positive number.
6. The method of any one of claims 1 to 5, further comprising recording refund information, generating a refund information table;
the refund information table comprises a refund flow chart and an asynchronous processing flow control table.
7. An order refund application processing system, the system including a settlement component and a receipt component, comprising:
the system comprises an acquisition module, a payment refund processing module and a payment processing module, wherein the acquisition module is used for receiving a payment refund request and acquiring order information of an order corresponding to the payment refund request;
the determining module is used for determining the amount of money to be refunded according to the order information;
the first judgment module is used for judging whether the refund corresponding to the refund request is the refund on the day of payment;
the calculation module is used for calling a commission charge trial calculation interface of the collection component if the refund corresponding to the refund request is the non-payment day refund, and calculating the commission charge on the basis of the refund amount to obtain a trial charge;
the transfer module is used for calling a refund posting interface and transferring the total amount to a contract account of the receipt component, wherein the total amount is the refund amount and the total amount of the trial commission charge;
the refund module is used for calling a refund interface of the receipt component and refunding the refund amount to a user account;
the query module is used for calling the commission charge query interface of the collection component to obtain the actual commission charge;
the second judgment module is used for judging whether the trial-calculated commission charge is consistent with the actual commission charge;
and the adjusting account module is used for recording the refund fund difference if the trial-calculated commission charge is inconsistent with the actual commission charge, and adjusting the adjusting account amount according to the refund fund difference.
8. A computer-readable storage medium, characterized in that a computer program is stored on the storage medium, which computer program, when being executed by a processor, carries out the method of any one of claims 1 to 6.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 6 when executing the computer program.
10. A computer program product comprising a computer program and/or instructions, characterized in that the computer program and/or instructions, when executed by a processor, implement the steps of the method of any one of claims 1 to 6.
CN202211192384.2A 2022-09-28 2022-09-28 Order refund application processing method and system Pending CN115439191A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116739719A (en) * 2023-08-14 2023-09-12 南京大数据集团有限公司 Flow configuration system of transaction platform
CN117993943A (en) * 2023-10-10 2024-05-07 上海分蛋信息科技有限公司 Background operation system capable of automatically calculating refund amount

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116739719A (en) * 2023-08-14 2023-09-12 南京大数据集团有限公司 Flow configuration system of transaction platform
CN116739719B (en) * 2023-08-14 2023-11-03 南京大数据集团有限公司 Flow configuration system and method of transaction platform
CN117993943A (en) * 2023-10-10 2024-05-07 上海分蛋信息科技有限公司 Background operation system capable of automatically calculating refund amount

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