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CN110163632A - Withdrawing method and its system, user terminal - Google Patents

Withdrawing method and its system, user terminal
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Publication number
CN110163632A
CN110163632ACN201910335176.5ACN201910335176ACN110163632ACN 110163632 ACN110163632 ACN 110163632ACN 201910335176 ACN201910335176 ACN 201910335176ACN 110163632 ACN110163632 ACN 110163632A
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China
Prior art keywords
reimbursement
user terminal
user
receiving system
order
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201910335176.5A
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Chinese (zh)
Inventor
岑文峰
贺武杰
曾祯
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Advanced New Technologies Co Ltd
Advantageous New Technologies Co Ltd
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Alibaba Group Holding Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by Alibaba Group Holding LtdfiledCriticalAlibaba Group Holding Ltd
Priority to CN201910335176.5ApriorityCriticalpatent/CN110163632A/en
Publication of CN110163632ApublicationCriticalpatent/CN110163632A/en
Pendinglegal-statusCriticalCurrent

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Abstract

This application discloses a kind of Withdrawing method and its systems, user terminal.The Withdrawing method includes: that user terminal carries out barcode scanning to reimbursement bar code, and the reimbursement bar code includes merchant identification;The user terminal inquires the order list of the businessman using the resulting merchant identification of barcode scanning to the single receiving system of receipts;The input that user is received by the input unit of the user terminal determines that the order for needing reimbursement, the user terminal are interacted based on the determined order for needing reimbursement with the single receiving system of the receipts to complete reimbursement according to the input in the order list.

Description

Withdrawing method and its system, user terminal
Technical field
What this specification was related to terminal and server interactively communicates technical field.
Background technique
Universal with mobile payment, the market maintenance of unmanned retail cabinet is also substantially improved, meet people at any time withThe demand of ground shopping.But user is using unmanned retail cabinet during being bought, when complete to pay the bill wait picking when, meetingThere is the case where definitely probability encounters unmanned retail cabinet card goods.
Industry is as follows currently for the processing mode of such abnormal conditions: user dials customer service provided by unmanned retail cabinetPhone carries out situation feedback explanation, and completes reimbursement after the confirmation of businessman.This processing method one side inefficiency,The reimbursement time cost of user is increased, on the other hand, the contact staff that businessman is also required to be equipped with sole duty is such different for handlingReason condition, improves operation cost of enterprises.
Summary of the invention
Present description provides a kind of Withdrawing method and its systems, user terminal, so that businessman is being not necessarily to and is receiving Dan ShouliUnder the premise of the relevant technology access of system, so that it may realize the high efficiency reimbursement without manually participating in.
This application discloses a kind of Withdrawing methods, comprising:
User terminal carries out barcode scanning to reimbursement bar code, and the reimbursement bar code includes merchant identification;
The user terminal inquires the order list of the businessman using the resulting merchant identification of barcode scanning to the single receiving system of receipts;
The input that user is received by the input unit of the user terminal, it is true in the order list according to the inputSurely the order of reimbursement is needed, the user terminal is interacted based on the determined order for needing reimbursement with the single receiving system of the receiptsComplete reimbursement.
In a preferred embodiment, the reimbursement bar code is two dimensional code.
In a preferred embodiment, the user terminal carries out barcode scanning to reimbursement bar code, further comprises: the user terminalBarcode scanning is carried out to reimbursement bar code using payment application.
In a preferred embodiment, the reimbursement bar code includes payment application identities;
The user terminal inquires the order list of the businessman using the resulting merchant identification of barcode scanning to the single receiving system of receiptsBefore, further includes:
The user terminal enters payment application according to the resulting payment application identities of barcode scanning.
In a preferred embodiment, the user terminal is somebody's turn to do using the resulting merchant identification of barcode scanning to single receiving system inquiry is receivedThe order list of businessman further comprises:
The user terminal inquires the quotient to single receiving system is received using the resulting merchant identification of barcode scanning in payment applicationThe order list of family.
In a preferred embodiment, the order list includes the order in nearest scheduled duration.
In a preferred embodiment, the user terminal is somebody's turn to do using the resulting merchant identification of barcode scanning to single receiving system inquiry is receivedThe order list of businessman further comprises:
The user terminal is to the message received single receiving system and send expression order inquiries, including the userThe resulting merchant identification of user identifier and barcode scanning of terminal;
The single receiving system of the receipts, which verifies the corresponding businessman of the merchant identification, whether there is effective reimbursement contract;
If there is effective reimbursement contract, then the single receiving system of the receipts is marked according to the user identifier and the businessmanInquiry user is known in the order list of businessman, and will be inquired resulting order list and be sent to the user terminal.
In a preferred embodiment, the reimbursement bar code further includes unmanned retail cabinet mark;
The user terminal inquires the order list of the businessman using the resulting merchant identification of barcode scanning to the single receiving system of receipts,Further comprise:
The user terminal is to the message received single receiving system and send expression order inquiries, including the userThe resulting merchant identification of user identifier, barcode scanning of terminal and unmanned retail cabinet mark;
The single receiving system of the receipts, which verifies the corresponding businessman of the merchant identification, whether there is effective reimbursement contract;
If there is effective reimbursement contract, then the single receiving system of the receipts is marked according to the user identifier, the businessmanKnow and the unmanned retail cabinet identifies inquiry user and identifies the corresponding unmanned order for being sold cabinet and generating in the unmanned retail cabinetList, and resulting order list will be inquired and be sent to the user terminal.
In a preferred embodiment, the reimbursement bar code is attached to unmanned retail cabinet surface.
In a preferred embodiment, the user terminal, which is singly accepted based on the determined order for needing reimbursement with the receipts, isReimbursement is completed in system interaction, further comprises:
The user terminal is to the message received single receiving system and send expression request reimbursement, including the userThe user identifier of terminal and the order note identification for needing reimbursement;
It is described to receive single receiving system in response to the message for indicating request reimbursement, it is used to described in credit evaluation system queriesFamily identifies the credit information of corresponding user;
The single receiving system of the receipts receives the credit information from the credit evaluation system, if the credit information meetsAgreed terms then initiate reimbursement according to the order note identification.
In a preferred embodiment, the single receiving system of the receipts receive the credit information from the credit evaluation system itAfterwards, further includes:
If the credit information is unsatisfactory for agreed terms, the single receiving system of the receipts is mentioned to user terminal transmissionShow reimbursement failure, suggest that user contacts the message of businessman's artificial treatment.
In a preferred embodiment, after the initiation reimbursement according to the order note identification, further includes:
If reimbursement success, the single receiving system of the receipts sends the prompt successful message of reimbursement to the user terminal,The terminal used to the businessman sends the message that prompt credit reimbursement is completed.
Disclosed herein as well is a kind of user terminals to include:
Barcode scanning module, for carrying out barcode scanning to reimbursement bar code, the reimbursement bar code includes merchant identification;
Enquiry module, for being arranged using the resulting merchant identification of barcode scanning to the order that the single receiving system of receipts inquires the businessmanTable;
Reimbursement order determining module receives the input of user for the input unit by user terminal, according to the inputThe order for needing reimbursement is determined in the order list;
Order reimbursement interactive module, for needed based on determined by the reimbursement order determining module order of reimbursement withReimbursement is completed in the single receiving system interaction of the receipts.
In a preferred embodiment, the reimbursement bar code is two dimensional code.
In a preferred embodiment, the order list includes the order in nearest scheduled duration.
Disclosed herein as well is a kind of reimbursement systems to include:
Credit evaluation system, for providing the credit information of user;
User terminal uses the resulting merchant identification of barcode scanning for carrying out barcode scanning to the reimbursement bar code for including merchant identificationThe order list that the businessman is inquired to the single receiving system of receipts, according to the input of user, determination needs reimbursement in the order listOrder, to it is described receive single receiving system and send indicate the message of request reimbursement, the use of the user terminal is carried in the messageFamily identifies and needs the order note identification of reimbursement;
The single receiving system of the receipts, for providing order list to the user terminal, in response to whole from the userThe message of reimbursement, the credit of the corresponding user of user identifier described in Xiang Suoshu credit evaluation system queries are requested in the expression at endInformation initiates reimbursement according to the order note identification if the credit information meets agreed terms.
In a preferred embodiment, the single receiving system of the receipts is also used to, when the credit information is unsatisfactory for agreed terms,Prompt reimbursement failure is sent to the user terminal, suggests that user contacts the message of businessman's artificial treatment.
In a preferred embodiment, the single receiving system of the receipts is also used to, and in reimbursement success, Xiang Suoshu user terminal is sentThe successful message of reimbursement is prompted, the terminal that Xiang Suoshu businessman uses sends the message that prompt credit reimbursement is completed.
In a preferred embodiment, the user terminal is when inquiring the order list of the businessman to the single receiving system of receipts to instituteIt states and receives the message that single receiving system sends expression order inquiries, obtained by the user identifier and barcode scanning including the user terminalMerchant identification;
The single receiving system of the receipts is also used to, and the corresponding businessman of the merchant identification is verified when receiving the message whetherThere are effective reimbursement contracts then to look into according to the user identifier and the merchant identification if there is effective reimbursement contractUser is ask in the order list of businessman, and resulting order list will be inquired and be sent to the user terminal.
In a preferred embodiment, the reimbursement bar code further includes unmanned retail cabinet mark;
The user terminal when inquiring the order list of the businessman to the single receiving system of the receipts to receipts singly byReason system sends the message for indicating order inquiries, marks including the resulting businessman of user identifier, barcode scanning of the user terminalKnow and unmanned retail cabinet identifies;
The single receiving system of the receipts is also used to, and the corresponding businessman of the merchant identification is verified when receiving the message whetherThere are effective reimbursement contracts, if there is effective reimbursement contract, then according to the user identifier, the merchant identification and instituteIt states unmanned retail cabinet mark inquiry user and identifies the order list that corresponding unmanned retail cabinet generates in the unmanned retail cabinet, andResulting order list will be inquired and be sent to the user terminal.
In a preferred embodiment, the reimbursement bar code is attached to unmanned retail cabinet surface.
In this specification embodiment, there is no the requirement of technological development to businessman, is not necessarily to technology relevant to acquiring systemAccess, businessman is without undergoing technological transformation to the information system of itself according to the requirement of acquiring system, so that it may realize and be not necessarily to peopleThe high efficiency reimbursement that work participates in.
Many and diverse inefficient reimbursement process of user Yu businessman's manpower intervention will originally be needed, by way of credit evaluation comeSubstitution, simplifies reimbursement process, improves reimbursement efficiency.The reimbursement efficiency that unmanned retail cabinet can especially be promoted, reducesThe operation cost of enterprise.
A large amount of technical characteristic is described in this specification, is distributed in each technical solution, if this Shen is set outSpecification please can be made excessively tediously long if the combination (i.e. technical solution) of all possible technical characteristic.In order to avoid thisProblem, each technical characteristic disclosed in this specification foregoing invention content disclose in each embodiment and example belowEach technical characteristic and attached drawing disclosed in each technical characteristic, can freely be combined with each other, to constitute various newTechnical solution (these technical solutions should be considered as have been recorded in the present specification), unless the combination of this technical characteristicIt is technically infeasible.For example, disclosing feature A+B+C in one example, feature A is disclosed in another example+ B+D+E, and feature C and D are the equivalent technologies means for playing phase same-action, as long as technically selecting a use, it is impossible to sameShi Caiyong, feature E can be technically combined with feature C, then, the scheme of A+B+C+D should not be regarded because technology is infeasibleTo have recorded, and the scheme of A+B+C+E should be considered as being described.
Detailed description of the invention
Fig. 1 is the Withdrawing method flow diagram according to this specification first embodiment
Fig. 2 is the user terminal structural schematic diagram according to this specification second embodiment
Fig. 3 is the reimbursement system structure diagram according to this specification third embodiment
Fig. 4 is user's reimbursement flow diagram according to one specific embodiment of this specification
Specific embodiment
In the following description, in order to make the reader understand this application better, many technical details are proposed.But thisThe those of ordinary skill in field is appreciated that even if without these technical details and many variations based on the following respective embodimentsAnd modification, the application technical solution claimed also may be implemented.
Part term in this specification is illustrated below:
User terminal: also referred to as terminal device is the equipment that network outermost is in computer network or communication network, mainIt is used for the input of user information and the output of processing result etc..In addition to the function of input and output, user terminal also be can be carried outPart system function is realized in certain operation and processing.User terminal can be such as smart phone, tablet computer, notebookComputer, desktop computer, smartwatch, Intelligent bracelet, television set have the projector of input function, personal digital assistant (PDA)Deng.
The user identifier of user terminal: exactly refer to the user identifier of the user using the user terminal.The same user is wholeUser identifier also can be different when end is used by different users.Then there is phase when different user terminals is by same user's useSame user identifier.
It is described in further detail below in conjunction with embodiment of the attached drawing to this specification.
The first embodiment of this specification is related to a kind of Withdrawing method, and process is as shown in Figure 1, this method includes followingStep:
In a step 102, user terminal carries out barcode scanning to reimbursement bar code, and reimbursement bar code includes merchant identification.Optionally, it moves backMoney bar code can also include which payment application is payment application identities (should call handle phase to let the user terminal know thatClose reimbursement).Optionally, reimbursement bar code can also include unmanned retail cabinet mark, this possesses more especially suitable for businessmanThe case where unmanned retail cabinet, reimbursement may be needed by more accurately picking out user according to the unmanned retail cabinet mark with can be convenientOrder.In this case, reimbursement bar code can be attached to the outer surface of unmanned retail cabinet, or in the aobvious of unmanned retail cabinetShow and is shown on device.
The form of reimbursement bar code can be diversified.Optionally, reimbursement bar code can be two dimensional code.Optionally, it moves backMoney bar code can be bar code.Optionally, reimbursement bar code can be colour code.
The mode of user terminal barcode scanning can be diversified.Optionally, user terminal is using payment application to reimbursementBar code carries out barcode scanning.Optionally, user terminal is using the barcode scanning function of operating system or the barcode scanning function of other application to reimbursementBar code carries out barcode scanning, and user terminal can enter payment application according to the resulting payment application identities of barcode scanning at this time.
Then into step 104, user terminal inquires the quotient to single receiving system is received using the resulting merchant identification of barcode scanningThe order list of family.
In one embodiment, user terminal is singly accepted based on the resulting merchant identification of barcode scanning to receipts by payment application isSystem inquires the order list of the businessman.In another embodiment, can also make in a browser without using payment applicationThe order list for inquiring the businessman to the single receiving system of receipts with the resulting merchant identification of barcode scanning, needs in this case in reimbursement itemThe network address that code accesses for browser.
Content can also be diversified in the order list that the single receiving system of receipts is returned to user terminal.Optionally, rightIn the user using the user terminal, receives single receiving system and return to the user with trade company specified in reimbursement bar code in pre- timing recentlyOrder in order in length, such as nearest 1 month or nearest 1 week or 2 days nearest.Optionally, receiving single receiving system can be withReturn to the order that the user specifies unmanned retail cabinet to be consumed in nearest scheduled duration in reimbursement bar code.Optionally, it receivesSingle receiving system can also return to qualified all orders according to condition set by user.
In one embodiment, step 104 further comprises:
User terminal sends the message of expression order inquiries to single receiving system is received, and marks including the user of user terminalKnow and the resulting merchant identification of barcode scanning.
Receiving the corresponding businessman of single receiving system verification merchant identification whether there is effective reimbursement contract.
If there is effective reimbursement contract, then receives single receiving system and existed according to user identifier and merchant identification inquiry userThe order list of businessman, and resulting order list will be inquired and be sent to user terminal.
If there is no effective reimbursement contract, then message is sent to user terminal, notify user can not be by this channelQuick reimbursement asks user to attempt other reimbursement modes.
In one embodiment, step 104 further comprises:
User terminal sends the message of expression order inquiries to single receiving system is received, and marks including the user of user terminalKnow, the resulting merchant identification of barcode scanning and unmanned retail cabinet identify.
Receiving the corresponding businessman of single receiving system verification merchant identification whether there is effective reimbursement contract.
If there is effective reimbursement contract, then single receiving system is received according to user identifier, merchant identification and unmanned retailCabinet mark inquiry user identifies the order list that corresponding unmanned retail cabinet generates in unmanned retail cabinet, and will inquire resulting orderSingle-row table is sent to user terminal.
If there is no effective reimbursement contract, then message is sent to user terminal, notify user can not be by this channelQuick reimbursement asks user to attempt other reimbursement modes.
Then into step 106, the input of user is received by the input unit of user terminal, according to the input in orderThe order for needing reimbursement is determined in list.Input unit can be touch screen, physical button, mouse, keyboard etc..
Then into step 108, user terminal is interacted based on the determined order for needing reimbursement with single receiving system is received,Complete reimbursement.
In one embodiment, step 108 may further include following sub-step:
User terminal sends the message for indicating to request reimbursement to single receiving system is received, and marks including the user of user terminalKnow and need the order note identification of reimbursement.
Single receiving system is received in response to the message of expression request reimbursement, to the credit evaluation system queries user identifier pairThe credit information of the user answered.
It receives single receiving system and receives the credit information from credit evaluation system, if the credit information meets agreement itemPart, then the receipts list receiving system initiates reimbursement according to order note identification;If the credit information is unsatisfactory for agreed terms, the receipts listReceiving system sends prompt reimbursement failure to user terminal, suggests that user contacts the message of businessman's artificial treatment.
If reimbursement success, single receiving system is received to user terminal and sends the prompt successful message of reimbursement, while to quotientThe terminal or businessman's operation system that family uses send the message that prompt credit reimbursement is completed.
Present embodiment will originally need many and diverse inefficient reimbursement process of user Yu businessman's manpower intervention, be commented by creditThe mode estimated substitutes, and simplifies reimbursement process, improves reimbursement efficiency.Moving back for unmanned retail cabinet can especially be greatly promotedMoney efficiency reduces the operation cost of enterprise.
The second embodiment of this specification is related to a kind of user terminal, and structure is as shown in Fig. 2, the user terminal packetIt includes:
Barcode scanning module, for carrying out barcode scanning to reimbursement bar code, which includes merchant identification.The form of reimbursement bar codeIt can be diversified.Optionally, reimbursement bar code can be two dimensional code.Optionally, reimbursement bar code can be bar code.It canSelection of land, reimbursement bar code can be colour code.
Enquiry module, for being arranged using the resulting merchant identification of barcode scanning to the order that the single receiving system of receipts inquires the businessmanTable.
Reimbursement order determining module receives the input of user for the input unit by user terminal, according to the inputThe order for needing reimbursement is determined in the order list.Input unit can be touch screen, physical button, mouse, keyboard etc..For example, user terminal is smart phone, the order list that enquiry module receives is shown by touch screen, and receive by touch screenThe click of user determines the determining order of user as the order for needing reimbursement.
Order reimbursement interactive module, for needing the order of reimbursement based on determined by reimbursement order determining module and receiving singleReimbursement is completed in receiving system interaction.
First embodiment is method implementation corresponding with present embodiment, and the technology in first embodiment is thinSection can be applied to present embodiment, and the technical detail in present embodiment also can be applied to first embodiment.
The third embodiment of this specification is related to a kind of reimbursement system, and structure is as shown in figure 3, the reimbursement system packetIt includes:
Credit evaluation system, for providing the credit information of user.
User terminal uses the resulting merchant identification of barcode scanning for carrying out barcode scanning to the reimbursement bar code for including merchant identificationThe order list of the businessman is inquired to the single receiving system of receipts, determination needs ordering for reimbursement in the order list according to the input of userIt is single, the message of request reimbursement, the user identifier and needs of the message carrying user terminal are indicated to single receiving system transmission is receivedThe order note identification of reimbursement.This user terminal can be user terminal described in second embodiment.
Single receiving system is received, for providing order list to user terminal, the expression in response to carrying out user terminal is requestedThe message of reimbursement, to the credit information of the corresponding user of credit evaluation system queries user identifier, if the credit information meetsAgreed terms then initiate reimbursement according to order note identification.Optionally, single receiving system is received to be also used to be unsatisfactory for arranging in credit informationWhen condition, prompt reimbursement failure is sent to user terminal, suggests that user contacts the message of businessman's artificial treatment.Optionally, it receives singleReceiving system is also used in reimbursement success, sends the prompt successful message of reimbursement, the terminal used to businessman to user terminalSend the message that prompt credit reimbursement is completed.
In one embodiment, which is applied to the reimbursement of unmanned retail cabinet.Reimbursement bar code is attached to nobodyRetail cabinet surface or reimbursement bar code are displayed on the display screen of unmanned retail cabinet.
Optionally, receiving single receiving system also has the checking function that whether there is effective reimbursement contract to businessman.Specifically may be usedTo be accomplished by the following way:
In one embodiment, user terminal to receive single receiving system inquire the businessman order list Shi Xiangshou it is mono- byReason system sends the message for indicating order inquiries, the resulting merchant identification of user identifier and barcode scanning including user terminal.The single receiving system of receipts verifies the corresponding businessman of merchant identification when receiving message and whether there is effective reimbursement contract, if there isEffective reimbursement contract then inquires user in the order list of businessman according to user identifier and merchant identification, and will inquiry gainedOrder list be sent to user terminal.
In another embodiment, reimbursement bar code further includes unmanned retail cabinet mark.User terminal is singly being accepted and is to receivingThe mono- receiving system of order list Shi Xiangshou of system inquiry businessman sends the message for indicating order inquiries, including user terminalThe resulting merchant identification of user identifier, barcode scanning and unmanned retail cabinet mark.It receives single receiving system to be also used to, the school when receiving messageThe corresponding businessman of merchant identification is tested with the presence or absence of effective reimbursement contract, if there is effective reimbursement contract, then according to userMark, merchant identification and unmanned retail cabinet mark inquire user and identify ordering for corresponding unmanned retail cabinet generation in unmanned retail cabinetSingle-row table, and resulting order list will be inquired and be sent to user terminal.
Above-mentioned receipts list receiving system and credit evaluation system can realize in different server, can also be in same serverIt realizes.Server in this specification, which refers in network, to provide the computer system of service to other equipment.The reality of serverExisting mode be it is diversified, can be the computer equipment of separate unit, the combination for being also possible to multiple stage computers equipment (such as collectsGroup's server, Cloud Server etc.).Server can also be referred to as server-side, cloud etc. in application scenes.
First embodiment is method implementation corresponding with present embodiment, and the technology in first embodiment is thinSection can be applied to present embodiment, and the technical detail in present embodiment also can be applied to first embodiment.
In order to more fully understand the technical solution of this specification, said below with reference to a specific exampleBright, the details enumerated in the example is primarily to be easy to understand, not as the limitation to the application protection scope.
The present embodiment includes two parts, the respectively application process and user's reimbursement stream of reimbursement code (i.e. reimbursement bar code)Journey.
First part: reimbursement code claims process:
Step 1: businessman logs in the single receiving system of receipts, fills in relevant information, code of applying for a refund, information includes at least businessmanAccount information, retail cabinet equipment number and mailing address etc..
Step 2: after the single receiving system of receipts receives application, the very fast reimbursement contract of a credit is created, contract information includesTarget Merchant ID and contract validity period etc..Also generate a reimbursement two dimensional code simultaneously, in the two dimensional code comprising Business Information andIt is sold the information such as cabinet equipment number.Reimbursement code can be posted to the mailing address that businessman is filled in, it can also be by reimbursement codeElectronic version is sent to businessman, is voluntarily printed by businessman.
Step 3: businessman receives the eye-catching place of fuselage that corresponding equipment is posted to after reimbursement code.
So far, reimbursement code claims process and terminates.
Second part: user's reimbursement process, the process are as shown in Figure 4:
Step 1: user selects the commodity to be bought on unmanned retail cabinet.
Step 2: user's operation user terminal (such as smart phone) enters payment application, scans nobody in step 2.1The payment code being sold on cabinet completes payment, and waits shipment.
Step 3: since unmanned retail cabinet failure leads to the non-shipment of commodity.
Step 4: user enters payment application, attempts to trade to this and initiates the very fast reimbursement application of credit;Detailed process is such asUnder:
4.1) user's operation user terminal, scanning are posted in the reimbursement code with unmanned retail cabinet-type air conditioner, initiate reimbursement application;
4.2) at this point, refund request is transmitted to the corresponding receipts list receiving system of this payment from user terminal, transmissionInformation includes user account information, Business Information corresponding to reimbursement code and retail cabinet encoded information etc.;
4.2.1 after) the single receiving system of receipts receives refund request, the businessman is verified with the presence or absence of the very fast reimbursement of effective creditContract;It is such as not present, then Flow ends, prompts the very fast reimbursement failure of user, it is proposed that user contacts businessman's artificial treatment.
4.2.2) according to user information, Business Information and device coding, the order column of nearest one week user are filtered outTable, and by this list return to user user terminal.
4.2.3) user terminal loads order list.
Step 5: for user in the order list of user terminal current presentation, selection needs the order of reimbursement, initiates reimbursementApplication.
5.1) refund request is sent to the single receiving system of receipts from user terminal, and the information carried in the request includes user's letterBreath and order number etc..
When 5.1.1) receiving single receiving system and receiving the very fast reimbursement application of credit, user information is transmitted to credit evaluation systemCredit evaluation is carried out, when meeting credit constraint condition (step 5.1.1.1), directly initiates reimbursement (step to user5.1.1.1.1), the refund amount of user arrives account immediately, and shows that (step is successfully reminded in reimbursement in the user terminal of the userRapid 5.1.1.1.2);At the same time, the operation system of businessman is informed, user meets the very fast reimbursement condition of credit and completed to move backMoney (step 5.1.1.1.3).
If the credit evaluation result of step 6) user is unsatisfactory for credit constraint condition, 6.1 are thened follow the steps, in the userUser terminal in show the page prompts of credit very fast reimbursement failure, and inform that connection businessman carries out the place of original reimbursement processReason.
It should be noted that it will be appreciated by those skilled in the art that each shown in the embodiment of above-mentioned user terminalThe realization function of module can refer to the associated description of aforementioned Withdrawing method and understand.Shown in the embodiment of above-mentioned user terminalThe function of each module can be realized and running on the program on processor (executable instruction), specific logic can also be passed throughCircuit and realize.If the above-mentioned user terminal of this specification embodiment is realized in the form of software function module and as independentProduct when selling or using, also can store in a computer readable storage medium.Based on this understanding, this explanationSubstantially the part that contributes to existing technology can body in the form of software products in other words for the technical solution of book embodimentReveal and, which is stored in a storage medium, including some instructions are with so that a computer is setStandby (can be personal computer, server or network equipment etc.) executes the complete of each embodiment the method for this specificationPortion or part.And storage medium above-mentioned include: USB flash disk, mobile hard disk, read-only memory (ROM, Read Only Memory),The various media that can store program code such as magnetic or disk.In this way, this specification embodiment be not limited to it is any specificHardware and software combine.
Correspondingly, this specification embodiment also provides a kind of computer readable storage medium, wherein being stored with computerExecutable instruction, the computer executable instructions realize each method embodiment of this specification when being executed by processor.It calculatesMachine readable storage medium storing program for executing include permanent and non-permanent, removable and non-removable media can by any method or technique LaiRealize information storage.Information can be computer readable instructions, data structure, the module of program or other data.ComputerThe example of storage medium includes but is not limited to that phase change memory (PRAM), static random access memory (SRAM), dynamic random are depositedAccess to memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electrically erasable are onlyRead memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), the more function of numberCan CD (DVD) other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices or it is any itsHis non-transmission medium, can be used for storing and can be accessed by a computing device information.As defined in this article, computer-readable to depositStorage media does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
In addition, this specification embodiment also provides a kind of user terminal, including executable for storing computerThe memory of instruction, and, processor;The processor is used to realize when executing the computer executable instructions in the memoryStep in above-mentioned each method embodiment.
In one embodiment, which can be central processing unit (Central Processing Unit, letterClaim " CPU "), it can also be other general processors, digital signal processor (Digital Signal Processor, abbreviation" DSP "), specific integrated circuit (Application Specific Integrated Circuit, referred to as " ASIC ") etc..BeforeThe memory stated can be read-only memory (read-only memory, referred to as " ROM "), random access memory (randomAccess memory, referred to as " RAM "), flash memory (Flash), hard disk or solid state hard disk etc..Each embodiment party of the present inventionThe step of method disclosed in formula, can be embodied directly in hardware processor and execute completion, or with hardware in processor and softPart block combiner executes completion.In one embodiment, which further includes bus and communication interface.Processor, storageDevice and communication interface are all connected with each other by bus.Communication interface, which can be wireless communication interface and be also possible to wire communication, to be connectMouthful, it is communicated for enabling a processor to other devices.
It should be noted that relational terms such as first and second and the like are only in the application documents of this patentFor distinguishing one entity or operation from another entity or operation, without necessarily requiring or implying these entitiesOr there are any actual relationship or orders between operation.Moreover, the terms "include", "comprise" or its any otherVariant is intended to non-exclusive inclusion, so that the process, method, article or equipment including a series of elements is not onlyIt including those elements, but also including other elements that are not explicitly listed, or further include for this process, method, objectProduct or the intrinsic element of equipment.In the absence of more restrictions, the element limited by sentence " including one ", notThere is also other identical elements in the process, method, article or apparatus that includes the element for exclusion.The application of this patentIn file, if it is mentioned that certain behavior is executed according to certain element, then refers to the meaning for executing the behavior according at least to the element, whereinInclude two kinds of situations: executing the behavior according only to the element and the behavior is executed according to the element and other elements.Multiple,Repeatedly, the expression such as a variety of include 2,2 times, 2 kinds and 2 or more, 2 times or more, two or more.
It is included in the disclosure of the specification with being considered as globality in all documents that this specification refers to,To can be used as the foundation of modification if necessary.In addition, it should also be understood that, the foregoing is merely the preferred embodiment of this specification and, it is not intended to limit the protection scope of this specification.It is all this specification one or more embodiment spirit and principle itInterior, any modification, equivalent replacement, improvement and so on should be included in the protection model of this specification one or more embodimentWithin enclosing.
In some cases, the movement recorded in detail in the claims or step can be suitable in embodiment according to being different fromSequence executes and still may be implemented desired result.In addition, the process being described in the accompanying drawings not necessarily requires the spy shownFixed sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processingIt is possible or may be advantageous.

Claims (19)

CN201910335176.5A2019-04-242019-04-24Withdrawing method and its system, user terminalPendingCN110163632A (en)

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CN113034150A (en)*2021-03-092021-06-25广东便捷神科技股份有限公司Refund method for unmanned retail terminal
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