Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
Fig. 1 illustrates a flow chart of a transfer processing method provided according to an embodiment of the present invention. As shown in fig. 1, the method comprises the steps of:
step 101, receiving an order payment request of a user and a payment mode selected by the user.
And after the order is generated, receiving an order payment request of the user and a payment mode selected by the user. The order provides a payment method that can be selected by the user. The payment modes which can be selected by the user comprise: credit card payments, local bank transfers, and other payment methods.
And 102, judging whether the payment mode selected by the user is a local bank transfer payment mode, and if so, executing astep 103.
It is determined whether the payment method selected by the user received instep 101 is a local bank transfer payment method. If yes, go to step 103; if not, the method ends.
Step 103, judging whether the geographical position of the user is a preset geographical area, if so, executingstep 104.
If the payment mode selected by the user is determined to be the local bank transfer payment mode instep 102, it is further determined whether the geographic location of the user is a preset geographic area.
When the payment mode selected by the user is determined to be the local bank transfer payment mode instep 102, the geographical location of the user is further obtained, and whether the geographical location of the user is a preset geographical area is determined. The preset geographic area is a set area with a unified payment settlement system, for example, the preset geographic area may be an eu region.
And 104, displaying the transfer information provided by the unified payment settlement system in the preset geographic area.
If the geographic location of the user determined instep 103 is a preset geographic area, displaying the transfer information provided by the unified payment settlement system in the preset geographic area. For example, if the preset geographic area is the european union region and the geographic location of the user determined instep 103 is france, the transfer information provided by the unified payment and settlement system in the european union region, that is, the transfer information provided by the sepa (the Single Euro Payments area) Single Euro payment area transfer system, is displayed.
Therefore, according to the transfer processing method, the order payment request of the user and the payment mode selected by the user are received, whether the payment mode selected by the user is a local bank transfer payment mode or not is judged, if the payment mode selected by the user is judged to be the local bank transfer payment mode, whether the geographical position of the user is a preset geographical area or not is further judged, and if the geographical position of the user is judged to be the preset geographical area, transfer information provided by a unified payment settlement system in the preset geographical area is displayed. By the aid of the scheme, the transfer mechanism of the electronic commerce platform can be optimized, transfer efficiency is improved, and operation cost is reduced.
Fig. 2 illustrates a flow chart of a transfer processing method provided according to an embodiment of the present invention. As shown in fig. 2, the method comprises the steps of:
step 201, receiving an order payment request of a user and a payment mode selected by the user.
And after the order is generated, acquiring an order number, and receiving an order payment request triggered by the user and a payment mode selected by the user. The order provides a payment method that can be selected by the user. The payment modes which can be selected by the user comprise: credit card payments, local bank transfers, and other payment methods.
Step 202, security detection is performed on the payment environment of the user.
Detecting whether the payment environment of the user is safe, if so, executingstep 203; otherwise, the payment request is interrupted.
Whether potential safety hazards such as malicious codes or viruses threatening the safety of the user account exist in the payment environment of the user is detected, and the specific detection method can be set by a person in the field, which is not repeated herein. If the detected payment environment of the user is abnormal, interrupting the payment request; if the detected payment environment security of the user is high,step 203 is executed.
Step 203, judging whether the payment mode selected by the user is a local bank transfer payment mode, if so, executingstep 204.
It is determined whether the payment method selected by the user received instep 201 is a local bank transfer payment method. If yes, go to step 204; if not, the method ends.
Step 204, acquiring the geographical position of the user.
And when the payment mode selected by the user is judged to be the local bank transfer payment mode in thestep 203, further acquiring the geographical position of the user.
The geographical position of the user can be obtained by obtaining the IP access address of the user or obtaining the GPS positioning information of the user.
Step 205, determining whether the geographic location of the user is a preset geographic area, if so, executingstep 206; otherwise,step 207 is performed.
Judging whether the geographical position of the user is a preset geographical area or not according to the geographical position of the user obtained in thestep 204, and if so, executing astep 206; otherwise,step 207 is performed.
For example, the preset geographic area may be an eu region, if the geographic location of the user obtained instep 204 is france, the geographic location of the user is the preset geographic area, and if the geographic location of the user obtained instep 204 is china, the geographic location of the user is a non-preset geographic area.
Step 206, displaying the transfer information provided by the unified payment settlement system in the preset geographic area.
If the geographic location of the user determined instep 205 is a preset geographic area, the transfer information provided by the unified payment settlement system in the preset geographic area is displayed. If the preset geographic area is the eu region and the geographic location of the user determined instep 205 is the eu region, the transfer information provided by the unified payment and settlement system of the eu region, that is, the transfer information provided by the SEPA single euro payment area credit transfer system, is displayed.
Optionally, the transfer information provided by the unified payment settlement system in the preset geographic area, such as the name of a receiver, the transfer amount, the name of transfer money and the like, is displayed, so that the user can perform offline transfer according to the transfer information; or after the transfer information provided by the unified payment settlement system in the preset geographic area is displayed, providing an online login interface of the unified payment settlement system so that the user can transfer money through the unified payment settlement system in the area.
Further optionally, if an online login interface of the unified payment and settlement system is provided, after the user performs transfer and remittance according to the unified payment and settlement system, a transfer and remittance order number is obtained and associated with the order number obtained instep 201, so that the user can obtain a transfer and remittance progress according to the order number.
And step 207, displaying transfer information provided by the local bank transfer system corresponding to the geographical position.
If the geographic location of the user determined instep 205 is a non-preset geographic area, displaying the transfer information provided by the local bank transfer system corresponding to the geographic location. For example, if the preset geographic area is the eu region, the geographic location of the user obtained instep 204 is india, that is, the geographic location of the user determined instep 205 is a non-eu region, the transfer information provided by the local bank transfer system in the indian region is displayed. The transfer information includes a receiver name, a transfer amount, a transfer money name, etc.
Therefore, according to the transfer processing method, the order payment request of the user and the payment mode selected by the user are received, whether the payment mode selected by the user is a local bank transfer payment mode or not is judged under the condition of payment environment safety monitoring, if the payment mode selected by the user is judged to be the local bank transfer payment mode, the geographical position of the user is further obtained, whether the geographical position where the user is located is a preset geographical area or not is judged, and if the geographical position where the user is located is judged to be the preset geographical area, transfer information provided by a unified payment settlement system in the preset geographical area is displayed. By utilizing the scheme, the defects that the account period for confirming the money is long, the receiving cost is high, foreign exchange loss exists and the like due to the fact that users still select a local bank transfer remittance system during transfer remittance in an area with a uniform payment settlement system can be avoided, the optimization of a transfer mechanism of an electronic commerce platform is realized, the safety and the transfer efficiency of a user account are improved, and the operation cost is reduced.
Fig. 3 is a functional configuration diagram of a transfer processing apparatus provided according to an embodiment of the present invention. As shown in fig. 3, the apparatus includes: a receivingmodule 31, a first judging module 32, a second judgingmodule 33, and a display module 34.
The receivingmodule 31 is configured to receive an order payment request of a user and a payment method selected by the user.
And after the order is generated, receiving an order payment request of the user and a payment mode selected by the user. The order provides a payment method that can be selected by the user. The payment modes which can be selected by the user comprise: credit card payments, local bank transfers, and other payment methods.
And the first judging module 32 is configured to judge whether the payment method selected by the user is a local bank transfer payment method.
It is determined whether the payment method selected by the user received in the receivingmodule 31 is a local bank transfer payment method. If yes, the process proceeds to thesecond determination module 33.
The second determiningmodule 33 is configured to further determine whether the geographic location of the user is a preset geographic area if the first determining module 32 determines that the payment method selected by the user is a local bank transfer payment method.
If the payment method selected by the user is determined to be the local bank transfer payment method in the first determination module 32, it is further determined whether the geographic location of the user is a preset geographic area.
When the payment method selected by the user is determined to be the local bank transfer payment method in the first determination module 32, the geographical location of the user is further obtained, and it is determined whether the geographical location of the user is a preset geographical area. The preset geographic area is a set area with a unified payment settlement system, for example, the preset geographic area may be an eu region.
And the display module 34 is configured to display transfer information provided by a unified payment settlement system in the preset geographic area if the second determination module determines that the geographic location of the user is the preset geographic area.
If the geographical location of the user determined in thesecond determination module 33 is a preset geographical area, the transfer information provided by the unified payment settlement system in the preset geographical area is displayed. For example, if the preset geographic area is the european union region and the geographic location of the user is france, the transfer information provided by the unified payment and settlement system in the european union region, that is, the transfer information provided by the sepa (the Single Euro Payments area) Single Euro payment area credit transfer system, is displayed.
Therefore, according to the transfer processing device, the order payment request of the user and the payment mode selected by the user are received through the receiving module, whether the payment mode selected by the user is a local bank transfer payment mode or not is judged through the first judging module, if the payment mode selected by the user is judged to be the local bank transfer payment mode through the first judging module, whether the geographical position where the user is located is a preset geographical area or not is further judged through the second judging module, and if the geographical position where the user is located is judged to be the preset geographical area through the second judging module, transfer information provided by a unified payment settlement system in the preset geographical area is displayed through the display module. By the aid of the scheme, the transfer mechanism of the electronic commerce platform can be optimized, transfer efficiency is improved, and operation cost is reduced.
Fig. 4 is a functional configuration diagram of a transfer processing apparatus provided according to an embodiment of the present invention. As shown in fig. 4, on the basis of the transfer processing apparatus shown in fig. 3, the transfer processing apparatus provided in the present embodiment further includes: asecurity detection module 41 and anacquisition module 42.
And thesecurity detection module 41 is used for performing security detection on the payment environment of the user.
Detecting whether the payment environment of the user is safe, if so, entering a first judgment module 32; otherwise, the payment request is interrupted.
Whether potential safety hazards such as malicious codes or viruses threatening the safety of the user account exist in the payment environment of the user is detected, and the specific detection method can be set by a person in the field, which is not repeated herein. If the detected payment environment of the user is abnormal, interrupting the payment request; if the detected payment environment security of the user is higher, the first determination module 32 is entered.
And an obtainingmodule 42, configured to obtain a geographic location where the user is located.
When the payment method selected by the user is judged to be the local bank transfer payment method by the first judging module 32, the geographical location of the user is further obtained.
The geographical position of the user can be obtained by obtaining the IP access address of the user or obtaining the GPS positioning information of the user.
The display module 34 is further configured to display transfer information provided by the local bank transfer system corresponding to the geographic location if the second determiningmodule 33 determines that the geographic location where the user is located is a non-preset geographic area.
If the geographical position where the user is located is judged to be a non-preset geographical area by thesecond judgment module 33, the transfer information provided by the local bank transfer system corresponding to the geographical position is displayed. For example, if the preset geographic area is an eu region, the geographic location of the user obtained in the obtainingmodule 42 is india, that is, the geographic location of the user determined by the second determiningmodule 33 is a non-eu region, the transfer information provided by the local bank transfer system in the indian region is displayed. The transfer information includes a receiver name, a transfer amount, a transfer money name, etc.
Therefore, according to the transfer processing device provided by the invention, the safety of the payment environment is ensured through the safety monitoring module, the geographical position of the user is obtained through the obtaining module so that the second judging module can judge whether the geographical position of the user is a preset geographical area, and if the geographical position of the user is judged to be a non-preset geographical area, the transfer information provided by the local bank transfer system corresponding to the geographical position is displayed. By utilizing the scheme, the defects that the account period for confirming the money is long, the receiving cost is high, foreign exchange loss exists and the like due to the fact that users still select a local bank transfer remittance system during transfer remittance in an area with a uniform payment settlement system can be avoided, the optimization of a transfer mechanism of an electronic commerce platform is realized, the safety and the transfer efficiency of a user account are improved, and the operation cost is reduced.
Thus, it should be appreciated by those skilled in the art that while a number of exemplary embodiments of the invention have been illustrated and described in detail herein, many other variations or modifications consistent with the principles of the invention may be directly determined or derived from the disclosure of the invention without departing from the spirit and scope of the invention. Accordingly, the scope of the invention should be understood and interpreted to cover all such other variations or modifications.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method or computer program product. In addition, the present invention is not intended to be limited to any particular programming language, it being understood that various programming languages may be used to implement the present invention as described herein, and any specific languages are provided for disclosure of enablement and best mode of the present invention.
It should be noted that although several modules of the transfer processing apparatus are described in detail in the above description, such division is merely exemplary and not mandatory. Those skilled in the art will appreciate that, in practice, the modules in the embodiments may be adaptively changed, that a plurality of modules in the embodiments may be combined into one module, or that one module may be divided into a plurality of modules.
Moreover, while operations for carrying out the invention are illustrated in the drawings in a particular order, this does not require or imply that all of the illustrated operations must be performed in that particular order to achieve desirable results. Certain steps may be omitted, multiple steps may be combined into one step for execution, or a step may be divided into multiple steps for execution.
In summary, the transfer processing method and the device of the invention can avoid the defects of long account confirmation period, high collection cost, foreign exchange loss and the like caused by the fact that users still select a local bank transfer remittance system during transfer remittance in an area with a uniform payment settlement system, realize the optimization of the transfer mechanism of an e-commerce platform, improve the safety and the transfer efficiency of user accounts and reduce the operation cost.
The method and the specific implementation method of the invention are described in detail and corresponding examples are given. Of course, the present invention may have other embodiments besides the above embodiments, and all the technical solutions formed by using equivalent substitutions or equivalent transformations fall within the protection scope of the present invention.