Transaction compensation method and device

A transaction and compensation time technology, applied in the field of transaction compensation methods and devices, can solve problems such as affecting the user's payment experience and affecting the competitiveness of payment products.

Pending Publication Date: 2020-10-02
南京星云数字技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Due to network and bank reasons, no payment institution can ensure that every payment transaction can get the final result synchronously, so the compensation transaction mechanism is indispensable in the field of financial payment, and the quality of the compensation transaction mechanism will directly affect the user's The payment experience even affects the competitiveness of payment products

Method used

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  • Transaction compensation method and device
  • Transaction compensation method and device

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Experimental program
Comparison scheme
Effect test

Embodiment 1

[0047] see figure 1 , this embodiment provides a transaction compensation method, including:

[0048] Obtain transaction orders with status changes from the business system; calculate the compensation initiation time of each transaction order based on the update time of the transaction order and the compensation time of the corresponding transaction order in the task configuration table; cache the transaction orders in the order of the compensation initiation time To the memory queue; regularly scan the order tasks in the memory queue, and notify the business system to initiate a compensation action to the corresponding transaction order when the compensation initiation time is reached.

[0049] In the transaction compensation method provided in this embodiment, firstly, the transaction orders whose status has changed and are abnormal are obtained from the business system, and the compensation time corresponding to these transaction orders is extracted from the task configurat...

Embodiment 2

[0074] This embodiment provides a transaction compensation device, including:

[0075] The real-time data replication unit is used to obtain transaction orders with status changes from the business system;

[0076] A streaming message processing unit, configured to calculate the compensation initiation time of each transaction order based on the update time of the transaction order and the compensation time of the corresponding transaction order in the task configuration table;

[0077] A queue cache unit, configured to cache the transaction orders in the memory queue according to the order of compensation initiation time;

[0078] The task processing unit is configured to regularly scan the order tasks in the memory queue, and notify the business system to initiate a compensation action to the corresponding transaction order when the compensation initiation time is reached.

[0079] Compared with the prior art, the beneficial effects of the transaction compensation device pr...

Embodiment 3

[0081] This embodiment provides a computer-readable storage medium. A computer program is stored on the computer-readable storage medium. When the computer program is run by a processor, the steps of the above transaction compensation method are executed.

[0082] Compared with the prior art, the beneficial effect of the computer-readable storage medium provided by this embodiment is the same as the beneficial effect of the transaction compensation method provided by the above-mentioned technical solution, which will not be repeated here.

[0083] Those of ordinary skill in the art can understand that all or part of the steps in the above inventive method can be completed by instructing related hardware through a program. The above program can be stored in a computer-readable storage medium. When the program is executed, it includes: For each step of the method in the foregoing embodiments, the foregoing storage medium may be: ROM / RAM, magnetic disk, optical disk, memory card, ...

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Abstract

The invention discloses a transaction compensation method and device, relates to the technical field of financial payment, and aims to realize second-level response of transaction compensation when payment transaction is abnormal and improve the payment experience of a user. The method comprises the steps of obtaining a transaction order with a changed state from a service system; calculating compensation initiation time of each transaction order based on the update time of the transaction order and compensation time of the corresponding transaction order in the task configuration table; caching the transaction orders to a memory queue according to the sequence of the compensation initiation time; and regularly scanning the order tasks in the memory queue, and notifying the service systemto initiate a compensation action to the corresponding transaction order when the compensation initiation time is up. The device applies the method provided by the scheme.

Description

technical field [0001] The invention relates to the technical field of financial payment, in particular to a transaction compensation method and device. Background technique [0002] The transaction links involved in the payment business are relatively long, and there may be hundreds of systems involved in a payment transaction, and the abnormality or timeout of any system may cause the transaction order to be in an abnormal state. Some of these orders with abnormal transaction status have been debited by the bank, and the customer funds have been transferred to the account of the payment institution, but the payment abnormality is displayed on the user's payment interface. Therefore, it is necessary for the payment institution to make compensation for such abnormal transaction orders. Action to query the actual status of the deduction and notify the merchant. [0003] Due to network and bank reasons, any payment institution cannot ensure that every payment transaction can ...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q40/02
CPCG06Q20/401G06Q20/405G06Q40/02
Inventor 贺夕政王原军包玉雪陈旭葛林峰
Owner 南京星云数字技术有限公司
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