CN109727042B - System and method for rapidly developing commercial tenant - Google Patents
System and method for rapidly developing commercial tenant Download PDFInfo
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- CN109727042B CN109727042B CN201811035709.XA CN201811035709A CN109727042B CN 109727042 B CN109727042 B CN 109727042B CN 201811035709 A CN201811035709 A CN 201811035709A CN 109727042 B CN109727042 B CN 109727042B
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Abstract
The invention discloses a system and a method for rapidly developing merchants. The system comprises: the system comprises a merchant qualification information acquisition module, a merchant qualification information acquisition module and a merchant qualification information processing module, wherein the merchant qualification information acquisition module is used for acquiring merchant qualification information submitted in batches in a service provider interface mode in advance; the merchant qualification auditing module is used for judging whether the credentials of the merchant, which are submitted by the service provider and acquired by the merchant qualification information acquiring module, are complete and legally compliant, and whether the merchant has the qualification of signing the appointed product; the merchant pre-review code management module is used for generating and distributing pre-review codes of compliant merchants, and the service provider acquires pre-review code information of the submitted merchant qualification, pre-review code authentication and the like; the merchant service module is used for storing merchant information and provides the functions of merchant account opening, signing and information inquiry interfaces. The invention solves the problems described in the above flows of whether the business account has the qualification of acquiring products provided by the signing acquiring mechanism before off-line signing, the business account qualification is not in compliance, the business account can not be carried out on the spot after signing, and the like.
Description
Technical Field
The invention relates to the field of internet merchant file making, in particular to a data processing system or method specially suitable for administrative, commercial, financial, management, supervision or prediction purposes, and particularly relates to a system and method for quickly developing merchants.
Background
In the internet era, in order to quickly expand merchants, expand transaction scale, and promote self brands, acquirers often adopt a mode of merchant autonomous registration + cooperation with a service provider to develop the merchants. Under the condition of the service provider, there are several tens of thousands to hundreds of thousands or even millions of merchants, and if the inventory merchants are developed into merchants of the acquiring organization, the amount of the merchants of the acquiring organization can be rapidly increased in a short period of time.
In the service provider mode, the currently widely adopted mode in the market is that a service provider and an acquiring mechanism reach a cooperative relationship, then ground push personnel of the service provider and a user of a stock provider sign a paper acquiring agreement of the designated acquiring mechanism, then merchant data information required by a merchant model of the acquiring mechanism is additionally collected, and finally merchant information is input through a system, and the merchant is helped to enter a member application operation at the acquiring mechanism side. The acquirer checks the merchant qualification submitted by the service provider, and after the checking is passed, the merchant opens an account and signs a contract on the platform.
The above-mentioned service provider model, although it can help the acquirer to perform the merchant expansion, has many problems in the actual operation process. For example, after the merchant signs off-line, the quality of the incoming part of the merchant is submitted to the acquirer, but the acquirer side generally needs manual intervention for quality audit of the merchant, and the audit duration is generally from D +1 to D +3 days, which results in that after the merchant signs, the merchant cannot open the incoming part service on the spot, and needs to wait for the service provider to notify the merchant of the incoming part result, so that the merchant experiences poor; for the facilitator, the merchant is also notified a second time later, creating additional communication costs. If the qualification information submitted by the merchant does not meet the requirements of the acquirer side on the merchant model, the facilitator needs to collect the merchant information again and carry out secondary submission and verification, so that the merchant is delayed to use the collection mode provided by the acquirer to carry out business, and the merchant is relatively poor in perception; the merchant can not land in the platform due to the late qualification problem, and certain influence is brought to the rapid development of the merchant of the acquirer. Finally, if the industry to which the merchant belongs does not meet the requirements of the acquirer or the merchant is in the blacklist of the acquirer, the merchants cannot sign a contract for the relevant products of the acquirer, but the merchant has already signed an offline contract with the facilitator at this time, so that complaints of the merchant can be caused, and the facilitator needs to pay extra manpower to placate the merchant to negotiate and solve the problem.
Disclosure of Invention
The invention aims to provide a system and a method for rapidly developing merchants, which aim to solve the problems described in the flow such as whether the merchants have the qualification of acquiring products provided by a signing acquiring mechanism before off-line signing, the merchant qualification is not compliant, and the merchant cannot carry out the payment service on the spot after signing.
In order to solve the technical problems, the invention adopts the following technical scheme:
a system for rapidly developing merchants, comprising: it includes:
the system comprises a merchant qualification information acquisition module, a merchant qualification information acquisition module and a merchant qualification information processing module, wherein the merchant qualification information acquisition module is used for acquiring merchant qualification information submitted in batches in a service provider interface mode in advance;
the merchant qualification auditing module is used for judging whether the credentials of the merchant, which are submitted by the service provider and acquired by the merchant qualification information acquiring module, are complete and legally compliant, and whether the merchant has the qualification of signing the appointed product;
the merchant pre-review code management module is used for generating and distributing pre-review codes of compliant merchants, and the service provider acquires pre-review code information of the submitted merchant qualification, pre-review code authentication and the like;
the merchant service module is used for storing merchant information and provides the functions of merchant account opening, signing and information inquiry interfaces.
A method for rapidly developing merchants is characterized in that: the method is implemented by adopting the system, and comprises the following steps:
the acquiring mechanism acquires the merchant qualification information of the server inventory in advance through the merchant qualification information acquiring module;
the acquiring organization audits the information of the commercial tenant through the commercial tenant qualification auditing module;
if the merchant qualification auditing module judges that the merchant qualification is complete and legal, the merchant auditing is passed, and the merchant pre-auditing code management module allocates a unique pre-auditing code for the merchant information to represent that the acquirer approves the merchant qualification;
if the merchant qualification auditing module judges that the merchant is deficient in qualification or unqualified, or the merchant is in a blacklist of the acquirer, or the industry to which the merchant belongs is not in the range of the product signing industry provided by the acquirer, the merchant auditing is not passed, and the pre-auditing code is not distributed;
the pre-audit codes are generated by the acquirer side in a unified mode and correspond to the business qualifications one by one.
The method for rapidly developing the commercial tenant is characterized by comprising the following steps: the method further comprises the following steps:
the merchant qualification prequalification method further comprises the following steps:
the service provider obtains the pre-review code of the approved merchant from the acquirer;
the ground pushing personnel of the service provider signs a contract with the merchant distributed with the pre-examination codes through the merchant service module;
after the merchant signs the contract, the ground pushing personnel uses the pre-approval code to carry out pre-approval code activation application operation on the acquiring mechanism side through the merchant service module;
the activation of the pre-audit code means that the merchant passing the authentication performs the merchant work entering and signing operations on the acquiring mechanism side.
The method for rapidly developing the commercial tenant is characterized by comprising the following steps: the method comprises the following steps:
after receiving the pre-audit code activation application, the acquiring mechanism side checks the legality of the pre-audit code;
aiming at the effective pre-check code, the acquiring mechanism opens an account of the merchant in real time through the merchant service module, generates a merchant signing agreement and informs the state of the merchant of the service provider in real time, and the merchant can use an acquirer formula provided by the acquiring mechanism to carry out the development of the money receiving service after signing is finished.
And aiming at invalid pre-examination codes, the acquirer informs the service provider of ground pushing personnel in real time, and the provided pre-examination codes are illegal.
By the technical scheme, the invention has the following advantages:
based on the technical scheme, in the system and the method for quickly developing the commercial tenants, provided by the embodiment of the invention, the system can quickly acquire the information of the commercial tenants in stock, and can perform batch verification on a large amount of qualification information of the commercial tenants and quickly remove the commercial tenants which do not meet the requirement; after the system allocates the only pre-check code to the merchant meeting the requirements, the service provider local pushing personnel can expand the merchant once arriving at the store, contract signing operation with the merchant is completed, and the merchant can carry out cash collection service on the spot. It can be seen that the method of the present invention, through the pre-review of the qualification of the commercial tenant, the system assigns the only pre-review code for the legal commercial tenant, can quickly exclude the commercial tenant in the blacklist of the acquirer, also can exclude the industrial commercial tenant that does not accord with the acquirer-contracted product provided by the acquirer; by means of the merchant qualification pre-examination mode, the merchant qualification examination operation can be advanced, and the merchant account can be opened on site to carry out the money collection service when the merchant signs a contract actually.
Drawings
FIG. 1 is a flowchart of a method for pre-qualification of merchants according to an embodiment of the present invention;
fig. 2 is a flowchart of a method for expanding and signing a contract for a merchant according to an embodiment of the present invention;
FIG. 3 is a flowchart of a method for activating a merchant pre-audit code according to an embodiment of the present invention;
FIG. 4 is a system interaction flow chart of a merchant qualification prequalification method according to an embodiment of the present invention;
fig. 5 is a block diagram of a merchant qualification prequalification system according to an embodiment of the present invention.
Detailed Description
The technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.
Fig. 1 is a flowchart of a merchant qualification pre-examining method according to an embodiment of the present invention, which depends on four application systems, namely, a merchant qualification information obtaining module, a merchant qualification examining and verifying module, a merchant pre-examining code management module, and a merchant service module; referring to fig. 1, the method may include:
step S01, acquiring the qualification information of the merchant;
the merchant qualification information acquisition module provides a merchant pre-review application interface, and the facilitator uploads the qualification information of the individual seller, the individual industrial merchant and the enterprise merchant to the acquirer through the interface.
Step S02, judging whether the business qualification is in the blacklist;
the merchant qualification auditing module provides a merchant blacklist checking function, and judges whether the merchant is the blacklist merchant or not through blacklist inquiry logic aiming at the merchant provided by the service provider. If the merchant is the blacklist merchant, executing step S03; otherwise, step S04 is executed.
The merchant blacklist data information is stored in a database of the acquirer.
Step S03, the merchant is a blacklist merchant;
and directly ending the merchant qualification auditing process aiming at the blacklist merchants, wherein the merchant qualification auditing result is the blacklist merchants.
Step S04, the business qualification is valid;
the merchant is not on the blacklist, and the operation of step S05 is performed for this merchant.
Step S05, judging whether the trade company meets the requirements of signed products;
the merchant service module provides a merchant industry type query interface capable of signing a specified product, and after the merchant qualification auditing module calls the interface to obtain a specified industry type list, the logical verification whether the merchant industry type meets the regulation is carried out on the audited merchant. If not, go to step S06; otherwise, step S07 is executed.
Step S06, the trade company does not meet the requirement;
and directly ending the merchant qualification auditing process aiming at the merchants which do not meet the industry requirements, wherein the merchant qualification auditing result is the non-designated industry merchant.
Step S07, the merchant can sign a contract for a specified product;
the business type of the merchant meets the contract signing requirement of the specified product, and the step S08 is carried out for the merchant.
Step S08, judging whether the merchant qualification is legal;
the merchant qualification auditing module provides an auditing page to the operation personnel of the acquirer, and the operation personnel inspects the merchant qualification according to the specified standard specification. Performing operation S10 for the merchant who passes the audit; otherwise, the operation of step S09 is performed.
Step S09, the business qualification is invalid;
and if the qualification information of the merchant is wrong or missing, directly ending the qualification auditing process of the merchant, wherein the qualification auditing result of the merchant is the merchant with wrong qualification.
Step S10, applying for distributing prequalification codes;
the merchant pre-review code management module provides a pre-review code generation interface, and the merchant qualification auditing module calls the interface to allocate a unique pre-review code to the approved merchant qualification information. And finishing the merchant qualification auditing process, wherein the merchant qualification auditing result is the effective merchant.
Fig. 2 is a flowchart of a method for expanding and signing a contract for a merchant according to an embodiment of the present invention, where the method relies on two application systems, namely a merchant qualification auditing module and a merchant pre-auditing code management module; referring to fig. 2, the method may include:
step S11, the service provider obtains the pre-review code of the commercial tenant;
the merchant qualification auditing module provides a merchant qualification pre-auditing result query interface, and the service provider acquires a merchant qualification auditing result from the acquirer through the interface; if the merchant qualification is successfully verified, step S12 is executed.
Step S12, the ground push personnel of the service provider signs a contract with the merchant off line;
and the ground pushing personnel carries on the merchant materials and the like to sign with the merchant, and after the signing is finished, the step S13 is executed.
Step S13, the ground pushing personnel carries out the activation operation of the pre-trial code;
the merchant pre-audit code management module provides a pre-audit code activation application interface, and the service provider interactively calls the interface service provided by the acquiring mechanism through the platform to initiate the application of the merchant for entering the parts and signing the electronic protocol.
FIG. 3 is a flowchart of a method for activating a merchant pre-approval code according to an embodiment of the present invention, the method relying on a merchant pre-approval code management module and a merchant service module; referring to fig. 3, the method may include:
step S21, acquiring a pre-examination code by the acquiring mechanism;
after receiving the pre-review code activation request from the service provider, the acquirer proceeds to step S22.
Step S22, judging whether the pre-check code is valid;
and the merchant pre-audit code management module verifies the validity of the pre-audit code transmitted by the interface. If yes, go to step S23; otherwise, step S24 is executed.
Step S23, opening the merchant and signing the electronic protocol;
aiming at the effective pre-check code, the merchant pre-check code management module calls a merchant account opening and signing interface of the merchant service module to initiate application of the merchant to enter the piece and sign the electronic protocol. And after the merchant is opened, informing the service provider of the account opening result information of the merchant.
Step S24, prompting that the pre-examination code is invalid;
aiming at the invalid pre-check codes, the merchant pre-check code management module directly returns the result of the service provider to inform that the provided pre-check codes are invalid.
The merchant qualification pre-review system provided by the embodiment of the invention is introduced below, and the merchant qualification pre-review system described below can be referred to in correspondence with the merchant qualification review method described above.
Fig. 5 is a block diagram of a merchant qualification prequalification system according to an embodiment of the present invention, where the system may include:
the merchant qualification information acquisition module is mainly responsible for the function of inputting the merchant qualification information, and by providing a merchant pre-review application interface, the external service provider uploads the merchant qualification information to the acquirer through the interface.
The merchant qualification auditing module mainly provides a merchant blacklist verifying function, merchant industry verifying rules and the like and also provides related pages required by operation auditing.
The merchant pre-review code management module is mainly responsible for the functions of generating, inquiring, activating and the like of the pre-review codes.
The merchant service module mainly provides basic functions of merchants such as member entering, signing and merchant information maintenance.
The above description and application of the present invention are illustrative, and are not intended to limit the scope of the invention to the above embodiments; other variations and modifications of the embodiments disclosed herein may be made without departing from the scope and spirit of the invention.
Claims (4)
1. A system for rapidly developing merchants, comprising: it includes:
the system comprises a merchant qualification information acquisition module, a merchant qualification information acquisition module and a merchant qualification information processing module, wherein the merchant qualification information acquisition module is used for acquiring merchant qualification information submitted in batches in a service provider interface mode in advance by an acquirer;
the merchant qualification auditing module is used for judging whether the credentials of the merchant, which are submitted by the service provider and acquired by the merchant qualification information acquiring module, are complete and legally compliant, and whether the merchant has the qualification of signing the appointed product;
the merchant pre-review code management module is used for meeting the generation requirement and distribution of the pre-review codes of the merchants, and the service provider acquires the pre-review code information of the quality of the submitted merchants and authenticates the pre-review codes; the pre-audit codes are generated by the acquirer side in a unified mode and correspond to the business qualifications one by one;
the merchant service module is used for storing merchant information and provides the functions of merchant account opening, signing and information inquiry interfaces.
2. A method for rapidly developing merchants is characterized in that: implemented using the system of claim 1, the steps comprising:
the acquiring mechanism acquires the merchant qualification information of the server inventory in advance through the merchant qualification information acquiring module;
the acquiring organization audits the information of the commercial tenant through the commercial tenant qualification auditing module;
if the merchant qualification auditing module judges that the merchant qualification is complete and legal, the merchant auditing is passed, and the merchant pre-auditing code management module allocates a unique pre-auditing code for the merchant information to represent that the acquirer approves the merchant qualification;
if the merchant qualification auditing module judges that the merchant is deficient in qualification or unqualified, or the merchant is in a blacklist of the acquirer, or the industry to which the merchant belongs is not in the range of the product signing industry provided by the acquirer, the merchant auditing is not passed, and the pre-auditing code is not distributed;
the pre-audit codes are generated by the acquirer side in a unified mode and correspond to the business qualifications one by one.
3. The method for rapidly developing merchants according to claim 2, wherein: the method further comprises the following steps:
the merchant qualification prequalification method further comprises the following steps:
the service provider obtains the pre-audit code of the approved merchant from the acquirer;
the ground pushing personnel of the service provider signs a contract with the merchant distributed with the pre-check code through the merchant service module;
after the merchant signs the contract, the ground pushing personnel uses the pre-approval code to carry out pre-approval code activation application operation on the acquiring mechanism side through the merchant service module;
the activation of the pre-audit code means that the merchant passing the authentication performs the merchant work entering and signing operations on the acquiring mechanism side.
4. The method for rapidly developing merchants according to claim 2, wherein: the method comprises the following steps:
after receiving the pre-audit code activation application, the acquiring mechanism side checks the legality of the pre-audit code;
aiming at the effective pre-check code, the acquiring mechanism opens an account of the merchant in real time through the merchant service module, generates a merchant signing protocol and informs the state of the merchant of the service provider in real time, and the merchant can use an acquirer formula provided by the acquiring mechanism to carry out the development of the money receiving service after signing is finished;
and aiming at invalid pre-audit codes, the acquirer informs the service provider of pushing personnel in real time, and the provided pre-audit codes are illegal.
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| WO2021081705A1 (en) * | 2019-10-28 | 2021-05-06 | 海付移通科技香港有限公司 | Method and device for payment platform management, payment platform, and computer storage medium |
| CN113839851A (en) * | 2020-06-08 | 2021-12-24 | 腾讯科技（深圳）有限公司 | Payment configuration method and device |
| CN111951016B (en) * | 2020-08-13 | 2023-09-15 | 中国工商银行股份有限公司 | Merchant agreement subscription storage method and device |
| CN112487982A (en) * | 2020-11-30 | 2021-03-12 | 乐刷科技有限公司 | Merchant information auditing method, system and storage medium |
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