1. interface refund: the business layer requests the refund center. After the refund center finds that the payment channel supports the interface for refund, it regularly requests the bank subsystem (the refund interface provided by the subsystem docking with the bank), and changes the refund status (not final) according to the subsystem callback reconciliation.

2. Payment refund: the business layer requests the refund center. After the refund center finds that the payment channel supports payment refund, it requests the payment center to make payment refund in real time. At present, the payment center regularly makes requests to the bank. This method needs to ensure that the payment company can obtain the payment elements (card number, name, etc.). ), otherwise 100% will fail.

3. Refund of uploaded documents: the Refund Center generates a refund record in the form of uploaded documents every day. The record is generally in EXCEL format, which is stipulated by the bank and generally remains unchanged. Colleagues in the settlement department will upload this EXCEL to the corresponding official website every working day.

4. Offline Refund: The Refund Center generates a refund record in the form of offline refund every day. Records are generally in EXCEL format, and the format is unified and standardized by the bank, which is generally unchanged. Colleagues in the settlement department will send EXCEL to their bank counterparts by fax, email or paper every working day (relatively primitive).