铁路电子支付平台退款处理优化研究

Refund processing optimization of railway electronic payment platform

研究铁路客运服务中铁路电子支付平台处理的各类退款问题,分析其产生原因、处理方式及退款实时性,研究退款处理在技术处理和管理方面的优化措施。提出引入异步通知监控、轮询交易结果等方式对交易处理进行优化,将银行卡类型的B2C退款采用软POS模式,以实现其实时退款。研究表明,通过优化交易处理、缩短退款周期、强化闭环管理、加强机构合作等措施,可以有效提高退款处理效率,更好地为铁路客运业务服务,提高旅客退款体验,树立铁路良好社会形象。

This paper studied various kinds of refund problems handled by railway electronic payment platform in railway passenger transport service, analyzed its causes, processing methods and real-time refund, studied the optimization measures of refund processing in technical processing and management, proposed to introduce asynchronous notification monitoring and polling for transaction results to optimize transaction processing, and adopted soft point of sale(POS) mode for business to customer(B2C) refund of bank card type to implemented real-time refund. Research shows that by optimizing transaction processing, shortening refund cycle, strengthening closed-loop management and strengthening institutional cooperation, it can effectively improve the efficiency of refund processing, better serve railway passenger transport business, improve passenger refund experience, and establish a good social image of railway.