CN112465489A

CN112465489A - Payment service processing method and device and machine-readable storage medium

Info

Publication number: CN112465489A
Application number: CN202011325560.6A
Authority: CN
Inventors: 邓志祥; 董国伟; 苗雪芃
Original assignee: Shanghai Shengfutong Electronic Payment Service Co ltd
Current assignee: Shanghai Shengfutong Electronic Payment Service Co ltd
Priority date: 2020-11-23
Filing date: 2020-11-23
Publication date: 2021-03-09

Abstract

The application provides a payment service processing method, a device and a machine readable storage medium, wherein the method comprises the following steps: receiving a clearing instruction sent by the e-commerce platform aiming at a target resident merchant; determining virtual resource proportion information between the e-commerce platform and the target resident merchant, and determining the total amount of virtual resources corresponding to payment order information generated by the target resident merchant in a specified clearing period; determining a first sub-virtual resource divided to the e-commerce platform in the total amount of the virtual resources and a second sub-virtual resource divided to the target resident merchant in the total amount of the virtual resources based on the virtual resource proportion information; transferring the first sub-virtual resource from the virtual resource allocation account to the platform account, and transferring the second sub-virtual resource from the virtual resource allocation account to the merchant account. Through the technical scheme, the secondary settlement process can be supervised, and the virtual resources in the virtual resource allocation account can not be transferred out by the e-commerce platform.

Description

Payment service processing method and device and machine-readable storage medium

Technical Field

The present application relates to the field of internet technologies, and in particular, to a payment service processing method, device, and machine-readable storage medium.

Background

With the rapid development of internet technology, the application of e-commerce platforms is more and more extensive, and the operation mode provided by e-commerce platforms can be a self-operation mode and a merchant parking mode. Aiming at the merchant parking mode, a user (such as a consumer) can shop for the commodities of the parked merchant, the user pays through the payment platform, the payment platform settles the transaction amount to a bank settlement account of the e-commerce platform, and the e-commerce platform can settle the amount in the bank settlement account to the parked merchant, so that the secondary settlement is carried out on the funds of the parked merchant of the e-commerce platform.

If the e-commerce platform has fund settlement qualification, the e-commerce platform can supervise the secondary settlement process of the e-commerce platform when the e-commerce platform settles the amount of money to the resident merchant, so that the safety of the fund of the resident merchant is ensured. However, if the e-commerce platform does not have the fund settlement qualification, the e-commerce platform cannot monitor the secondary settlement process of the e-commerce platform when settling the amount of money to the resident merchant, and cannot ensure the safety of the fund of the resident merchant.

For example, a large amount of funds of the resident merchant exist in the bank settlement account of the e-commerce platform, and once the e-commerce platform transfers the funds out, the funds of the resident merchant are lost, and certain fund risk is accumulated. Because the secondary settlement process of the e-commerce platform cannot be supervised, the authenticity of the transaction information provided by the e-commerce platform cannot be ensured, and risks of counterfeiting the e-commerce platform, altering the transaction information and the like exist.

Disclosure of Invention

In a first aspect, the present application provides a payment service processing method, which is applied to a third-party platform, and the method includes:

receiving a clearing instruction sent by an e-commerce platform aiming at a target resident merchant, wherein the clearing instruction is used for indicating that payment order information generated in a specified clearing period aiming at the target resident merchant is cleared, and the payment order information is generated according to a target data object provided by the target resident merchant selected by a user; wherein the payment order information includes resource information of the target data object, a target virtual resource corresponding to the resource information is transferred to a virtual resource allocation account on the third party platform corresponding to the e-commerce platform, and the e-commerce platform is prohibited from transferring the virtual resource in the virtual resource allocation account; the e-commerce platform is provided with a platform account on the third-party platform, and the target resident merchant is provided with a merchant account on the third-party platform;

determining virtual resource proportion information between the e-commerce platform and the target resident merchant, and determining the total amount of virtual resources corresponding to payment order information generated by the target resident merchant in a specified clearing period;

determining a first sub-virtual resource in the total quantity of the virtual resources divided to the e-commerce platform and a second sub-virtual resource in the total quantity of the virtual resources divided to the target resident merchant based on the virtual resource proportion information;

transferring the first sub-virtual resource from the virtual resource allocation account to the platform account, and transferring the second sub-virtual resource from the virtual resource allocation account to the merchant account.

According to the technical scheme, in the embodiment of the application, the third party platform with settlement qualification can provide secondary settlement service for the resident commercial tenant of the e-commerce platform, so that the secondary settlement process can be supervised, and the safety of the virtual resource of the resident commercial tenant is ensured. The payment platform settles the virtual resources to the virtual resource allocation account of the e-commerce platform, and the e-commerce platform is prohibited to transfer the virtual resources in the virtual resource allocation account, so that the virtual resources in the virtual resource allocation account of the e-commerce platform are prevented from being transferred out by the e-commerce platform, and the safety of the virtual resources of the business registered in the e-commerce platform is ensured. Because the third party platform with settlement qualification provides secondary settlement service for the resident merchant, but not the e-commerce platform provides secondary settlement service for the resident merchant, the authenticity of the transaction information provided by the third party platform is ensured, and the risks of counterfeit e-commerce platform, altered transaction information and the like do not exist. The payment service can be provided for the e-commerce platform without settlement qualification, and the e-commerce platform and the resident merchant open the account number on the service side equipment to complete transaction payment and ensure the safety of virtual resources.

Illustratively, the determining the virtual resource proportion information between the e-commerce platform and the target resident merchant includes: determining virtual resource proportion information between the e-commerce platform and the target resident merchant from the configured virtual resource proportion information of the e-commerce platform and the resident merchant; alternatively, the first and second electrodes may be,

if the clearing instruction comprises the unique merchant identification of the target resident merchant, inquiring the signing data corresponding to the unique merchant identification from all stored signing data, and analyzing the virtual resource proportion information between the e-commerce platform and the target resident merchant from the signing data;

the signing data is provided when the target resident merchant registers, and comprises virtual resource proportion information between the e-commerce platform and the target resident merchant.

According to the technical scheme, the virtual resource proportion information can be analyzed from the subscription data of the target resident merchant, so that the virtual resource proportion information is approved by the target resident merchant, disputes caused by using wrong virtual resource proportion information are avoided, and the reliability of the virtual resource dividing result is improved.

Before the receiving the clearing instruction sent by the e-commerce platform for the target resident merchant, the method further comprises the following steps: and in a designated clearing period, receiving payment order information aiming at the target resident merchant sent by the e-commerce platform, storing the payment order information, and forwarding the payment order information to a payment platform, so that the payment platform completes corresponding payment operation according to the payment order information, and transfers target virtual resources corresponding to resource information in the payment order information to the virtual resource allocation account.

According to the technical scheme, the target virtual resources are transferred to the virtual resource allocation account, and the e-commerce platform is prohibited from transferring the virtual resources in the virtual resource allocation account, so that the virtual resources in the virtual resource allocation account of the e-commerce platform are prevented from being transferred out by the e-commerce platform, and the safety of the virtual resources of the business registered in the e-commerce platform is guaranteed. By storing the payment order information, all the payment order information to be cleared can be inquired from the local, and then clearing is completed based on all the payment order information to be cleared.

For example, the clearing instruction includes a unique merchant identifier of the target resident merchant, and the payment order information for the target resident merchant includes the unique merchant identifier of the target resident merchant, and the determining the total amount of virtual resources corresponding to the payment order information generated by the target resident merchant in a specified clearing period includes: inquiring all payment order information corresponding to the unique merchant identification in the clearing instruction from all the payment order information stored in the appointed clearing period; and determining the total amount of the virtual resources based on the target virtual resources corresponding to the resource information in the inquired payment order information.

According to the technical scheme, all the payment order information of the target resident merchant in the appointed clearing period is found by using the unique merchant identification of the target resident merchant, so that all the payment order information to be cleared is obtained, the payment order information is the payment order information of the target resident merchant, the payment order information of other resident merchants is prevented from being cleared, and the clearing task of the target resident merchant is completed.

Illustratively, the clearing instruction includes a unique merchant identification of the targeted resident merchant; the transferring the second sub-virtual resource from the virtual resource allocation account to the merchant account comprises:

determining account information of the target resident merchant corresponding to the unique merchant identifier; and transferring the second sub virtual resources from the virtual resource allocation account to a merchant account corresponding to the account information.

According to the technical scheme, the merchant account of the target resident merchant is found by using the unique merchant identification of the target resident merchant, the merchant account is accurate and reliable, the second sub-virtual resource is prevented from being transferred to the merchant accounts of other resident merchants, and the second sub-virtual resource is transferred to the feasible merchant accounts when being transferred.

In one possible embodiment, after the transferring the second sub-virtual resource from the virtual resource allocation account to the merchant account, the method further includes:

receiving a first extraction instruction which is sent by the e-commerce platform and aims at the target resident merchant; wherein the first fetch instruction includes at least a first fetch virtual resource and a first fetch target account;

transferring the first withdrawal virtual resource from the merchant account to the first withdrawal target account.

According to the technical scheme, the extraction process of the target resident merchant can be monitored, the target resident merchant is prevented from extracting the virtual resources to the unreliable or illegal account, and the safety of the virtual resources is ensured.

In one possible embodiment, after the transferring the first sub-virtual resource from the virtual resource allocation account to the platform account, the method further includes:

receiving a second extraction instruction which is sent by the e-commerce platform and aims at the e-commerce platform; wherein the second fetch instruction includes at least a second fetch virtual resource and a second fetch target account;

transferring the second fetch virtual resource from the platform account to the second fetch target account.

According to the technical scheme, the extraction process of the e-commerce platform can be monitored, the e-commerce platform is prevented from extracting the virtual resources to the unreliable or illegal account, and the safety of the virtual resources is guaranteed.

Illustratively, the e-commerce platform is an e-commerce platform without settlement qualification; the third party platform is a platform with settlement qualification and comprises a first data interface with the e-commerce platform, a second data interface with the payment platform and a third data interface with the fund platform.

According to the technical scheme, under the condition that the e-commerce platform does not have settlement qualification, a third party platform with the settlement qualification can provide secondary settlement service for the resident merchants of the e-commerce platform, so that the secondary settlement process can be supervised, and the safety of virtual resources of the resident merchants is ensured.

In a second aspect, the present application provides an electronic device, a processor, and a machine-readable storage medium storing machine-executable instructions executable by the processor; the processor is used for executing the machine executable instructions to realize the payment service processing method.

In a third aspect, the present application provides a machine-readable storage medium having stored thereon computer instructions which, when executed, implement a payment transaction processing method.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments of the present application or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art according to the drawings of the embodiments of the present application.

FIG. 1 is a flow diagram of a payment transaction processing method in one embodiment of the present application;

FIG. 2A is a schematic diagram of an operation mode of an e-commerce platform in one embodiment of the present application;

FIG. 2B is a system architecture diagram according to an embodiment of the present application;

FIG. 3 is a flow diagram of a payment transaction processing method in one embodiment of the present application;

FIG. 4 is a flow chart of a payment transaction processing method in another embodiment of the present application;

FIG. 5 is a block diagram of a payment transaction processing arrangement in one embodiment of the present application;

fig. 6 is a block diagram of an electronic device according to an embodiment of the present application.

Detailed Description

The terminology used in the embodiments of the present application is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in this application and the claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein is meant to encompass any and all possible combinations of one or more of the associated listed items.

It should be understood that although the terms first, second, third, etc. may be used in the embodiments of the present application to describe various information, the information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of the present application. Depending on the context, moreover, the word "if" as used may be interpreted as "at … …" or "when … …" or "in response to a determination".

The embodiment of the present application provides a payment service processing method, which may be applied to a third-party platform (the third-party platform may also be referred to as a service-side device), and as shown in fig. 1, the method includes:

step 101, receiving a clearing instruction sent by an e-commerce platform for a target resident merchant, wherein the clearing instruction is used for indicating that payment order information generated in a specified clearing period for the target resident merchant is cleared, and the payment order information is generated according to a target data object provided by the target resident merchant selected by a user; the payment order information comprises resource information of a target data object, target virtual resources corresponding to the resource information are transferred to a virtual resource allocation account on a third-party platform corresponding to the e-commerce platform, and the e-commerce platform is prohibited to transfer the virtual resources in the virtual resource allocation account; the e-commerce platform is provided with a platform account on the third party platform, and the target resident merchant is provided with a merchant account on the third party platform.

Step 102, determining the virtual resource proportion information between the e-commerce platform and the target resident merchant, and determining the total amount of virtual resources corresponding to the payment order information generated by the target resident merchant in the appointed clearing period.

In one possible embodiment, the determining of the virtual resource proportion information between the e-commerce platform and the target resident merchant may include, but is not limited to: the virtual resource proportion information between the e-commerce platform and the target resident merchant can be determined from the configured virtual resource proportion information of the e-commerce platform and the resident merchant. Or, if the clearing instruction includes the unique merchant identifier of the target resident merchant, the signing data corresponding to the unique merchant identifier may be queried from all stored signing data, and the virtual resource proportion information between the e-commerce platform and the target resident merchant is analyzed from the signing data;

the subscription data is provided when the target resident merchant registers, and may include virtual resource ratio information between the e-commerce platform and the target resident merchant.

In a possible implementation manner, before receiving the clearing instruction sent by the e-commerce platform for the target resident merchant, the method may further include: and in a designated clearing period, receiving payment order information aiming at a target resident merchant sent by the e-commerce platform, storing the payment order information, and forwarding the payment order information to the payment platform, so that the payment platform completes corresponding payment operation according to the payment order information, and transfers target virtual resources corresponding to resource information in the payment order information to a virtual resource allocation account.

On this basis, the clearing instruction includes the unique merchant identifier of the target resident merchant, and the payment order information for the target resident merchant includes the unique merchant identifier of the target resident merchant, and the determining of the total amount of virtual resources corresponding to the payment order information generated by the target resident merchant in the specified clearing period may include, but is not limited to: inquiring all payment order information corresponding to the unique merchant identification in the clearing instruction from all the payment order information stored in the appointed clearing period; and determining the total amount of the virtual resources based on the target virtual resources corresponding to the resource information in the inquired payment order information.

Step 103, determining a first sub virtual resource divided to the e-commerce platform in the total amount of the virtual resources and a second sub virtual resource divided to the target resident merchant in the total amount of the virtual resources based on the virtual resource proportion information.

Step 104, transferring the first sub virtual resource from the virtual resource allocation account to the platform account, and transferring the second sub virtual resource from the virtual resource allocation account to the merchant account.

Illustratively, the clearing instruction includes a unique merchant identification of the targeted resident merchant, and the transferring the second sub-virtual resource from the virtual resource allocation account to the merchant account may include, but is not limited to: determining account information of the target resident merchant corresponding to the unique merchant identifier; and transferring the second sub virtual resource from the virtual resource allocation account to a merchant account corresponding to the account information.

In a possible implementation manner, after the second sub-virtual resource is transferred from the virtual resource allocation account to the merchant account, a first extraction instruction for the target resident merchant sent by the e-commerce platform may also be received; wherein the first fetch instruction comprises at least a first fetch virtual resource and a first fetch target account; transferring the first withdrawal virtual resource from the merchant account to the first withdrawal target account.

In a possible implementation manner, after the first sub-virtual resource is transferred from the virtual resource allocation account to the platform account, a second extraction instruction for the e-commerce platform sent by the e-commerce platform may be further received; wherein the second fetch instruction includes at least a second fetch virtual resource and a second fetch target account; transferring the second fetch virtual resource from the platform account to the second fetch target account.

In one possible embodiment, the e-commerce platform is an e-commerce platform that does not qualify for settlement. The third party platform is a platform with settlement qualification and comprises a first data interface with the e-commerce platform, a second data interface with the payment platform and a third data interface with the fund platform.

In the above embodiment, the third-party platform may be referred to as a service-side device, the data object is a consumption object selected by the user when consuming, such as a commodity object, a service, and the like in the e-commerce platform, and the target data object is a consumption object selected by the user when consuming currently, such as a currently purchased commodity or commodity information.

The resource information of the target data object may include resources that need to be paid when the user acquires the target data object, such as a commodity price when purchasing a commodity or an amount of money to be paid.

In the above embodiment, the virtual resource may be payment funds, the virtual resource allocation account may be an account to be split, the virtual resource proportion information may be a split proportion, the first sub-virtual resource may be funds split by the e-commerce platform, and the second sub-virtual resource may be funds split by the target resident merchant. The withdrawal instruction may be a cash withdrawal instruction, the withdrawal target account may be a cash withdrawal target account, and the withdrawal virtual resource may be a cash withdrawal amount.

The following describes the technical solution of the embodiment of the present application with reference to a specific application scenario.

Referring to fig. 2A, the operation modes provided by the e-commerce platform may include a self-operation mode and a merchant parking mode. Aiming at a merchant entrance mode, the E-business platform can be accessed to a plurality of entrance merchants, a user (such as a consumer) can choose commodities of the entrance merchants, the user pays through a payment platform (such as a payment mechanism), the payment platform settles transaction amount to a bank settlement account of the E-business platform, and the E-business platform needs to settle the amount in the bank settlement account to the entrance merchants, so that the funds of the entrance merchants of the E-business platform are settled for the second time. Aiming at the self-operated mode, the user can select and purchase the commodity of the E-commerce platform, the user pays by the payment platform, the transaction amount is settled to the bank settlement account of the E-commerce platform by the payment platform, and the E-commerce platform does not need to settle the amount to the resident merchant, so that the secondary settlement of the funds of the resident merchant is not involved.

Aiming at the application scene of the merchant entrance mode, secondary settlement needs to be carried out on the funds of the business entrants of the e-commerce platform, and the e-commerce platform should have the funds settlement qualification for carrying out the secondary settlement. The e-commerce platform has the fund settlement qualification that the e-commerce platform can engage in fund settlement business under the condition of having a payment license plate, the fund settlement business of the e-commerce platform is legal, and a supervision department can supervise the secondary settlement process of the e-commerce platform. The fact that the e-commerce platform does not have fund settlement qualification means that the e-commerce platform cannot engage in fund settlement business under the condition that the e-commerce platform does not have a payment license plate, the fund settlement business of the e-commerce platform is illegal, and a supervision department cannot supervise the secondary settlement process of the e-commerce platform. In summary, if the e-commerce platform has fund settlement qualification, the e-commerce platform can supervise the secondary settlement process of the e-commerce platform when the e-commerce platform settles the amount of money to the resident merchant, so that the safety of the fund of the resident merchant can be ensured. However, if the e-commerce platform does not have the fund settlement qualification, the e-commerce platform cannot monitor the secondary settlement process of the e-commerce platform when settling the amount of money to the resident merchant, so that the security of the fund of the resident merchant cannot be ensured.

Aiming at an e-commerce platform without fund settlement qualification, the payment service processing method provided in the embodiment of the application can provide payment service for the e-commerce platform without the fund settlement qualification. Of course, for the e-commerce platform with the fund settlement qualification, the method of the embodiment of the application can also provide the payment service for the e-commerce platform with the fund settlement qualification. In this embodiment, a secondary settlement service can be provided for the resident merchant of the e-commerce platform by the service side device with the fund settlement qualification, so that the secondary settlement process can be supervised, and the fund security of the resident merchant is ensured. The payment platform settles the transaction amount to the account to be divided of the e-commerce platform, and the e-commerce platform is prohibited to transfer funds in the account to be divided, so that the funds in the account to be divided of the e-commerce platform are prevented from being transferred out by the e-commerce platform, and the safety of the funds of the business to be resident is ensured.

Referring to fig. 2B, a schematic diagram of a system architecture according to an embodiment of the present application is shown, where the system architecture may include, but is not limited to: the system comprises an e-commerce platform, a payment platform, a fund platform and a server side device.

E, E-commerce platform: the e-commerce platform is an e-commerce platform without fund settlement qualification, or the e-commerce platform is an e-commerce platform with the fund settlement qualification. The e-commerce platform accesses a plurality of resident merchants, which may be individual resident merchants (such as those registered to the e-commerce platform by using identification cards) or business entity resident merchants (such as those registered to the e-commerce platform by using business licenses), and the types of the resident merchants are not limited.

The e-commerce platform serves as a platform operator and serves resident merchants, for example, a certain travel type e-commerce platform, the e-commerce platform can be connected with a large number of hotel resident merchants, when a user purchases hotel services (as commodities) on the e-commerce platform, funds of the user are paid to the e-commerce platform, and the hotel resident merchants are provided with the commodities actually, so that the e-commerce platform needs to pay the funds paid by the user to the hotel resident merchants. After the user pays the funds to the e-commerce platform and before the e-commerce platform pays the funds to the hotel resident merchant, the user's funds exist in the e-commerce platform's bank settlement account, and once the e-commerce platform has a problem for various reasons, there is a significant risk that the e-commerce platform's bank settlement account will have funds in it.

For another example, in a shopping-type e-commerce platform, a large number of seller resident merchants can be accessed, and when a user (i.e., a buyer user) purchases a commodity on the e-commerce platform, the user's funds are paid to the e-commerce platform, and the seller resident merchants actually provide the commodity, therefore, the e-commerce platform needs to pay the seller resident merchants with the funds paid by the user. Similarly, once the e-commerce platform has problems for various reasons, there is a significant risk and a potential safety hazard for the bank of the e-commerce platform to settle funds in the account.

The payment platform comprises: a payment platform, which may also be referred to as a payment institution, a payment channel, a payment instrument, a payment method, etc., may be used for a user (i.e., a consumer, a payer) to complete a payment operation of funds.

A fund platform: the fund platform is a fund receiver, such as various types of banks (such as commercial banks), and the payment platform can settle the fund of the user into the account of the e-commerce platform on the fund platform.

The server side device: on the basis of an e-commerce platform, a payment platform and a fund platform, in order to complete payment service, service side equipment is additionally deployed, and the service side equipment is equipment with fund settlement qualification.

The server side equipment has fund settlement qualification, namely, the server side equipment can engage in fund settlement business under the condition of having a payment license plate, the fund settlement business of the server side equipment is legal, and a supervision department can supervise the secondary settlement process of the server side equipment. Based on the method, aiming at the application scene of the merchant entrance mode, the service side equipment with fund settlement qualification can perform secondary settlement on the funds of the resident merchants of the e-commerce platform, and can supervise the secondary settlement process, thereby ensuring the safety of the funds of the resident merchants.

For example, after the user's funds are paid to the e-commerce platform, the e-commerce platform itself cannot transfer the funds, and the service device needs to transfer the funds (the transfer process is referred to as a secondary settlement process), that is, the funds are transferred to the resident merchant of the e-commerce platform, and the secondary settlement process of the service device is supervised by the supervision department, so as to ensure the security of the funds of the resident merchant. That is, after the user pays the money to the e-commerce platform and before paying the money to the resident merchant, although the money exists in the bank settlement account of the e-commerce platform, the e-commerce platform cannot transfer the money in the bank settlement account, and only the service side device can transfer the money in the bank settlement account, thereby ensuring the security of the money.

The service side device may be connected to the e-commerce platform in a wired manner, or may be connected to the e-commerce platform in a wireless manner, which is not limited to this. The server side device comprises a first data interface between the server side device and the e-commerce platform, namely the server side device communicates with the e-commerce platform through the first data interface. For example, a first message type of the first data interface may be predetermined, and when the message is transmitted between the service-side device and the e-commerce platform, the message needs to be encapsulated by using the first message type, and the format of the first message type is not limited. The server side equipment can analyze the content in the message after receiving the message encapsulated by the first message type. After receiving the message encapsulated by the first message type, the e-commerce platform can analyze the content in the message.

The service side device may be connected to the payment platform in a wired manner, or may be connected to the payment platform in a wireless manner, which is not limited to this. The server device comprises a second data interface between the server device and the payment platform, i.e. the server device communicates with the payment platform via the second data interface. For example, a second message type of the second data interface may be agreed in advance, and when the message is transmitted between the service-side device and the payment platform, the message needs to be encapsulated by using the second message type, and the format of the second message type is not limited. The server device can parse the content in the message after receiving the message encapsulated with the second message type. And after receiving the message encapsulated by the second message type, the payment platform can analyze the content in the message.

The server device may be connected to the fund platform in a wired manner, or may be connected to the fund platform in a wireless manner, which is not limited to this. The server device comprises a third data interface between the server device and the funding platform, i.e. the server device communicates with the funding platform via the third data interface. For example, a third message type of the third data interface may be agreed in advance, and when the message is transmitted between the server device and the fund platform, the message needs to be encapsulated by using the third message type, which is not limited to the format of the third message type. And after receiving the message encapsulated by the third message type, the server side equipment can analyze the content in the message. And after receiving the message encapsulated by the third message type, the fund platform can analyze the content in the message.

The embodiment of the application relates to a registration link of an e-commerce platform and a registration link of an in-store merchant of the e-commerce platform. Aiming at the registration link of the e-commerce platform, the e-commerce platform needs to be registered as a subscriber of the service side equipment, namely, the e-commerce platform and the service side equipment sign a service agreement, and the service side equipment adopts the technical scheme of the embodiment of the application to settle funds for the e-commerce platform. After the e-commerce platform and the service side device sign a service agreement, the service side device can store the signing data of the e-commerce platform, the signing data indicates that the e-commerce platform agrees to fund settlement for the e-commerce platform by the service side device, and the content of the signing data is not limited.

Aiming at the registration link of the resident merchant, the resident merchant needs to be registered to become a signing user of the server side equipment, namely, the resident merchant signs a service agreement with the server side equipment, and the server side equipment adopts the technical scheme of the embodiment of the application to settle funds for the resident merchant. After the resident merchant signs a service agreement with the service side device, the service side device may store the subscription data of the resident merchant, where the subscription data indicates that the resident merchant agrees to perform fund settlement for the resident merchant by the service side device, and the content of the subscription data is not limited.

The embodiment of the application relates to an account opening link of an e-commerce platform and an account opening link of a resident merchant of the e-commerce platform. Aiming at the account opening link of the e-commerce platform, the e-commerce platform can open an account to be credited on a fund platform (such as a bank cooperating with the e-commerce platform) and open a platform account on the fund platform. The account to be billed and the platform account may belong to the same fund platform (i.e. belong to the same bank), or may belong to different fund platforms (i.e. belong to different banks), which is not limited to this. After the account to be credited is opened, account information (such as a bank card identifier and the like) of the account to be credited can be stored in the signing data of the e-commerce platform, so that the service side device can acquire the account to be credited of the e-commerce platform from the signing data of the e-commerce platform. After the platform account is opened, the account information of the platform account can be stored in the subscription data of the e-commerce platform, so that the service side device can acquire the platform account of the e-commerce platform from the subscription data of the e-commerce platform.

For the account to be credited of the e-commerce platform, the e-commerce platform is prohibited from transferring the funds in the account to be credited, that is, although the account to be credited of the e-commerce platform belongs to the e-commerce platform, the funds in the account to be credited belong to an entrepreneur of the e-commerce platform, and therefore, the e-commerce platform cannot transfer the funds in the account to be credited, and only the server side equipment can transfer the funds in the account to be credited, so that the security of the funds is ensured.

For example, in order to realize that the e-commerce platform is prohibited from transferring the funds in the account to be credited, the authority of the account to be credited may be configured, so that the e-commerce platform does not have the authority to transfer the funds in the account to be credited, and the server device has the authority to transfer the funds in the account to be credited, which is not limited.

For the platform account of the e-commerce platform, the e-commerce platform can transfer the funds in the platform account, that is, the platform account of the e-commerce platform belongs to the e-commerce platform, and the funds in the platform account belong to the e-commerce platform, so that the e-commerce platform can transfer the funds in the platform account, and the platform account is a normal bank account.

For the account opening link of the resident merchant, the resident merchant may open a merchant account on a fund platform (such as a bank cooperating with the resident merchant) (for convenience of differentiation, a normal bank account of the resident merchant is referred to as a merchant account, and a normal bank account of the e-commerce platform is referred to as a platform account). The merchant account of the resident merchant and the platform account of the e-commerce platform may belong to the same fund platform (i.e. belong to the same bank), or may belong to different fund platforms (i.e. belong to different banks), which is not limited to this. After the merchant account is opened, account information (such as a bank card identifier) of the merchant account may also be stored in the subscription data of the resident merchant, so that the service provider device may obtain the merchant account of the resident merchant from the subscription data of the resident merchant.

For the account of the resident merchant, the resident merchant can transfer the funds in the account of the merchant, that is, the account of the resident merchant belongs to the resident merchant, and the funds in the account of the merchant belong to the resident merchant.

In an embodiment of the present application, a payment process related to payment order information may include: the service side device may receive payment order information sent by the e-commerce platform for a target resident merchant (i.e., any resident merchant of the e-commerce platform, which is subsequently marked as a target resident merchant by taking one resident merchant as an example herein), store the payment order information in the service side device, and forward the payment order information to the payment platform, so that the payment platform completes a corresponding payment operation according to the payment order information, and settles a transaction amount in the payment order information to an account to be credited of the e-commerce platform.

For example, a user (i.e., a consumer, a payer, a buyer user, etc.) may purchase commodity information (such as hotel services, entrance tickets, commodities, etc., all of which may be purchased may be referred to as commodity information) provided by a target resident merchant on the e-commerce platform, and when the user purchases the commodity information, the e-commerce platform may generate payment order information, which may include but is not limited to: the order identifier of the payment order information, the unique merchant identifier of the target resident merchant, the unique platform identifier of the e-commerce platform, the account information (such as a bank card identifier and the like) of the account to be ledged of the e-commerce platform, the transaction amount of the commodity information and the like are not limited to these.

After the e-commerce platform generates the payment order information, the payment order information may be sent to the facilitator device. After receiving the payment order information, the server device may store the payment order information in the server device, and forward the payment order information to the payment platform for subsequent processing.

After receiving the payment order information, the payment platform can complete corresponding payment operation according to the payment order information, that is, the payment platform cooperates with the user to complete the payment operation. In the payment operation process, the payment platform deducts the transaction amount in the payment order information from the user account, and settles the transaction amount in the payment order information to the payment platform account. After a preset time interval (such as every other day), the payment platform can settle the transaction amount in the payment order information to the account to be billed of the e-commerce platform. For example, based on the account information of the account to be credited of the e-commerce platform in the payment order information, the payment platform can settle the transaction amount in the payment order information to the account to be credited of the e-commerce platform. Of course, the payment platform can also directly settle the transaction amount in the payment order information to the account to be credited of the e-commerce platform, instead of settling the transaction amount to the account of the payment platform and then settling to the account to be credited of the e-commerce platform.

In the above process, the payment platform settles the transaction amount in the payment order information to the account to be credited of the e-commerce platform, instead of settling the transaction amount to the platform account of the e-commerce platform.

For example, the account to be credited of the e-commerce platform may open a fund collection function of the payment platform, so that the payment platform can settle the transaction amount in the payment order information to the account to be credited of the e-commerce platform.

For example, after the payment platform completes the payment operation and settles the transaction amount in the payment order information to the account to be credited of the e-commerce platform, the fund platform corresponding to the account to be credited may send a payment completion message to the server device, where the payment completion message includes the order identifier of the payment order information. Or after the payment platform completes the payment operation and settles the transaction amount in the payment order information to the account to be credited of the e-commerce platform, the payment platform may also send a payment completion message to the server side device, where the payment completion message includes the order identifier of the payment order information. After receiving the payment completion message (for example, receiving the payment completion message sent by the fund platform corresponding to the account to be billed, or receiving the payment completion message sent by the payment platform), the service side device determines that the payment platform has settled the transaction amount in the payment order information (i.e., the payment order information corresponding to the order identification) to the account to be billed of the e-commerce platform according to the order identification in the payment completion message. For example, the service side device parses the order identifier from the payment completion message, selects the payment order information corresponding to the order identifier from all the payment order information stored in the service side device, and determines that the payment platform has settled the transaction amount in the payment order information to the account to be billed of the e-commerce platform.

Based on the application scenario, an embodiment of the present application provides a payment service processing method, as shown in fig. 3, which is a flow diagram of the method, and the method is applied to a server device, and the method may include:

step 301, receiving a fund clearing instruction sent by the e-commerce platform for the target resident merchant, wherein the fund clearing instruction is used for instructing payment order information generated in a specified clearing period for the target resident merchant to perform fund clearing. Illustratively, the payment order information is generated according to commodity information provided by a target deposit merchant selected by the user, and the transaction amount in the payment order information is settled to an account to be billed of the e-commerce platform.

For example, when the e-commerce platform and the target resident merchant need to perform fund clearing, the e-commerce platform may send a fund clearing instruction to the server device, where the fund clearing instruction may carry information of a specified clearing period, for example, a time interval between time a and time B is used as the specified clearing period, which indicates that the payment order information in the specified clearing period needs to be fund cleared. The fund clearing instruction may carry the unique merchant identifier of the target resident merchant, and represents that the fund clearing is performed on the target resident merchant corresponding to the unique merchant identifier.

Step 302, determining a billing ratio between the e-commerce platform and the target resident merchant, and determining a total transaction amount corresponding to payment order information generated by the target resident merchant in a specified clearing period.

For example, after receiving the fund clearing instruction, the server device may determine an account splitting ratio between the e-commerce platform and the target resident merchant, for example, the account splitting ratio may be determined as follows:

in the method 1, the service side device determines the account sharing ratio between the e-commerce platform and the target resident merchant from the configured account sharing ratios (namely, the default account sharing ratio) of the e-commerce platform and the resident merchant.

For example, the billing ratio of the e-commerce platform to all the resident merchants is M: N (e.g., 1:10), and the billing ratio M: N needs to be configured in advance in the server device, and on this basis, the server device determines the billing ratio between the e-commerce platform and the target resident merchant to be M: N for the fund clearing instruction.

Mode 2, if the fund clearing instruction includes a unique merchant identifier of the target resident merchant, the server device queries the signing data corresponding to the unique merchant identifier from all stored signing data (i.e. all signing data stored by the server device), and analyzes the split account ratio between the e-commerce platform and the target resident merchant from the signing data; the subscription data may be data provided when the target resident merchant registers, and the subscription data may include a billing ratio between the e-commerce platform and the target resident merchant.

Referring to the above embodiment, for the registration link of the resident merchant, the resident merchant and the service-side device sign a service agreement, and the service-side device may store the subscription data of the resident merchant, where in the subscription data, the unique merchant identifier of the resident merchant may be included, and in the subscription data, an account-sharing ratio between the e-commerce platform and the resident merchant may also be included, such as the account-sharing ratio is M: N (e.g., 1: 10). The credit sharing proportion between the e-commerce platform and different resident merchants can be the same or different, and the method is not limited.

In the mode 2, after the server device receives the fund clearing instruction, since the fund clearing instruction includes the unique merchant identifier of the target resident merchant and the subscription data includes the unique merchant identifier of the resident merchant, the server device may query the subscription data corresponding to the unique merchant identifier of the target resident merchant from all stored subscription data. Because the subscription data comprises the account separation proportion, the server side equipment can analyze the account separation proportion between the e-commerce platform and the target resident merchant from the subscription data.

Of course, the above-mentioned modes 1 and 2 are only two examples of determining the credit separation ratio, and the determination mode is not limited as long as the credit separation ratio between the e-commerce platform and the target resident merchant can be determined.

For example, after receiving the fund clearing instruction, the server device may further determine a total transaction amount corresponding to the payment order information generated by the target deposit merchant in the specified clearing period, that is, a sum of transaction amounts in all payment order information of the target deposit merchant in the specified clearing period. For example, the total amount of the transaction may be determined as follows: the fund clearing instruction may include a unique merchant identifier of the target resident merchant, and the payment order information for the target resident merchant may include the unique merchant identifier of the target resident merchant, based on which the server device may query all payment order information corresponding to the unique merchant identifier in the fund clearing instruction from all the payment order information stored in the specified clearing period; and determining the total transaction amount based on the transaction amount in the inquired payment order information.

Referring to the above embodiment, in the payment process of the payment order information, the service side device may receive the payment order information sent by the e-commerce platform, store the payment order information, and forward the payment order information to the payment platform, so that the payment platform completes a corresponding payment operation according to the payment order information, and settles the transaction amount in the payment order information to the account to be billed of the e-commerce platform. Obviously, the server side device may store each payment order information sent by the e-commerce platform. For each payment order information, the payment order information may include a unique merchant identification for the targeted resident merchant and have a corresponding order time.

After receiving the fund clearing instruction sent by the e-commerce platform, the server device may select the payment order information (i.e., payment order information that is not cleared) stored in the designated clearing period from all the locally stored payment order information because the fund clearing instruction includes information of the designated clearing period, for example, a time interval between time a and time B is used as the designated clearing period, that is, the order time corresponding to the selected payment order information is located in the designated clearing period (e.g., a time interval between time a and time B).

Because the fund clearing instruction comprises the unique merchant identifier of the target resident merchant and the payment order information also comprises the unique merchant identifier of the resident merchant, based on this, the server side equipment can inquire all the payment order information corresponding to the unique merchant identifier in the fund clearing instruction from all the payment order information stored in the appointed clearing period, and the payment order information comprises the transaction amount. Then, the server side equipment determines the sum of the transaction amount in all the inquired payment order information as the total transaction amount.

And step 303, determining a first amount of the total transaction amount divided to the e-commerce platform and a second amount of the total transaction amount divided to the target resident merchant based on the accounting proportion.

Assuming that the total transaction amount corresponding to all payment order information of the target resident merchant in the designated clearing period is K, based on the accounting ratio M: N of the e-commerce platform and the target resident merchant, the service side equipment determines a first amount of the total transaction amount K, which is divided into the e-commerce platform, and determines a second amount of the total transaction amount K, which is divided into the target resident merchant, such as the first amount of K M/(M + N) and the second amount of K/(M + N).

And 304, transferring a first amount from the account to be credited of the e-commerce platform to a platform account corresponding to the e-commerce platform, and transferring a second amount from the account to be credited to a merchant account corresponding to the target resident merchant.

In summary, it can be seen that the payment platform settles, to the account to be credited of the e-commerce platform, the total transaction amount K (i.e., the sum of the first amount and the second amount) corresponding to all the payment order information of the target resident merchant in the specified settlement period, based on which, the server device may transfer the first amount from the account to be credited to the platform account corresponding to the e-commerce platform, and transfer the second amount from the account to be credited to the merchant account corresponding to the target resident merchant. That is to say, the server device transfers the total transaction amount K to a platform account corresponding to the e-commerce platform and a merchant account corresponding to the target resident merchant, thereby completing the transfer of the total transaction amount K.

In one possible embodiment, the fund clearing instruction may include a unique platform identifier of the e-commerce platform, and on the basis, the first amount is transferred from the account to be billed to a platform account corresponding to the e-commerce platform, which may include but is not limited to: and determining account information of the e-commerce platform corresponding to the unique platform identification, and transferring the first amount of money from the account to be billed to a platform account corresponding to the account information of the e-commerce platform.

Referring to the above embodiment, for the registration link and the account opening link of the e-commerce platform, the service side device stores the subscription data of the e-commerce platform, where the subscription data includes the unique platform identifier of the e-commerce platform and the account information of the platform account of the e-commerce platform. On the basis, after the server side equipment receives the fund clearing command, the fund clearing command comprises the unique platform identification of the e-commerce platform, and therefore the unique platform identification is analyzed from the fund clearing command. Since the subscription data includes the unique platform identifier of the e-commerce platform, the subscription data corresponding to the unique platform identifier is queried from all stored subscription data. Because the subscription data includes the account information of the platform account of the e-commerce platform, the account information of the platform account is analyzed from the subscription data. And then, transferring the first amount from the account to be divided to the platform account corresponding to the account information.

In one possible embodiment, the fund clearing instruction may include a unique merchant identifier of the target resident merchant, and on this basis, the second amount is transferred from the account to be billed to the merchant account corresponding to the target resident merchant, which may include but is not limited to: and determining account information of the target resident merchant corresponding to the unique merchant identification, and transferring a second amount from the account to be billed to the merchant account corresponding to the account information.

Referring to the above embodiments, for the registration link and the account opening link of the resident merchant, the server device stores the subscription data of the resident merchant, where the subscription data includes the unique merchant identifier of the resident merchant and the account information of the merchant account of the resident merchant. On the basis, after the server side equipment receives the fund clearing instruction, the unique merchant identification of the target resident merchant is analyzed from the fund clearing instruction because the fund clearing instruction comprises the unique merchant identification of the target resident merchant. Since the subscription data includes the unique merchant identifier of the target resident merchant, the subscription data corresponding to the unique merchant identifier of the target resident merchant is queried from all stored subscription data. Since the subscription data includes account information of the merchant account of the target resident merchant, the account information of the merchant account of the target resident merchant can be analyzed from the subscription data. And then, transferring the second amount from the account to be divided to the merchant account corresponding to the account information.

In a possible implementation manner, after the second amount is transferred from the account to be billed to the merchant account corresponding to the target resident merchant, a cash withdrawal operation for the merchant account corresponding to the target resident merchant may be involved. For example, the server side device receives a first cash-out instruction which is sent by the e-commerce platform and aims at a target resident merchant, wherein the first cash-out instruction at least comprises a first cash-out amount and a first cash-out target account, and transfers the first cash-out amount to the first cash-out target account from a merchant account corresponding to the target resident merchant.

For example, when the target resident merchant needs to be promoted, the target resident merchant may send a first promotion instruction to the e-commerce platform, and the e-commerce platform may send the first promotion instruction to the server side device, where the first promotion instruction may include at least a first promotion amount, a first promotion target account (i.e., another account different from the merchant account of the target resident merchant), and a unique merchant identifier of the target resident merchant.

After receiving the first cash withdrawal instruction, the server device queries the subscription data corresponding to the unique merchant identifier of the target resident merchant from all the stored subscription data, and analyzes account information of the merchant account of the target resident merchant from the subscription data. Based on the account information of the merchant account of the target resident merchant, the first cash withdrawal amount and the first cash withdrawal target account, the server device may transfer the first cash withdrawal amount to the first cash withdrawal target account from the merchant account corresponding to the target resident merchant, which is not described in detail herein.

In a possible implementation manner, after the first amount is transferred from the account to be billed of the e-commerce platform to the platform account corresponding to the e-commerce platform, a cash withdrawal operation for the platform account corresponding to the e-commerce platform may be involved. For example, the service-side device receives a second cash-out instruction for the e-commerce platform, which is sent by the e-commerce platform, where the second cash-out instruction may include at least a second cash-out amount and a second cash-out target account, and transfers the second cash-out amount from a platform account corresponding to the e-commerce platform to the second cash-out target account.

For example, when the e-commerce platform needs to be promoted, the e-commerce platform may send a second promotion instruction to the server device, where the second promotion instruction may include at least a second promotion amount, a second promotion target account (i.e., another account different from the platform account of the e-commerce platform), and a unique platform identifier of the e-commerce platform.

After receiving the second cash-out instruction, the service side equipment queries the subscription data corresponding to the unique platform identifier of the e-commerce platform from all stored subscription data, and analyzes account information of a platform account corresponding to the e-commerce platform from the subscription data. Based on the account information of the platform account corresponding to the e-commerce platform, the second cash withdrawal amount and the second cash withdrawal target account, the service side device can transfer the second cash withdrawal amount to the second cash withdrawal target account from the platform account corresponding to the e-commerce platform, and details of the process are omitted.

For example, the execution sequence is only an example given for convenience of description, and in practical applications, the execution sequence between the steps may also be changed, and the execution sequence is not limited. Moreover, in other embodiments, the steps of the respective methods do not have to be performed in the order shown and described herein, and the methods may include more or less steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps for description in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.

According to the technical scheme, in the embodiment of the application, the server side equipment with fund settlement qualification can provide secondary settlement service for the resident merchants of the e-commerce platform, so that the secondary settlement process can be supervised, and the safety of the funds of the resident merchants is ensured. The payment platform settles the transaction amount to the account to be divided of the e-commerce platform, and the e-commerce platform is prohibited to transfer funds in the account to be divided, so that the funds in the account to be divided of the e-commerce platform are prevented from being transferred out by the e-commerce platform, and the safety of the funds of the business to be resident is ensured. Because the service side equipment with fund settlement qualification provides secondary settlement service for the resident merchant, and the e-commerce platform provides secondary settlement service for the resident merchant, the authenticity of the transaction information provided by the service side equipment is ensured, and the risks of counterfeit e-commerce platform, altered transaction information and the like do not exist. The payment service can be provided for the e-commerce platform without fund settlement qualification, transaction payment is completed by opening account numbers on service side equipment by the e-commerce platform and the resident merchant, comprehensive payment services such as aggregated collection, fund management, fund clearing and settlement are provided for the e-commerce platform, and the 'second clearing' risk of the e-commerce platform is effectively avoided while the fund safety is guaranteed. The method helps the e-commerce platform to avoid fund risks, practically guarantees the safety of user funds, ensures that the e-commerce platform cannot store the funds into the bank account of the e-commerce platform, avoids the e-commerce platform from building a fund pool, and fundamentally guarantees the fund safety.

The technical solutions of the embodiments of the present application are described below with reference to specific embodiments.

Referring to fig. 4, a flow diagram of a payment transaction processing method is shown, where the method may include:

step 401, the e-commerce platform sends the payment order information to the server device, and the server device stores the payment order information in the server device and forwards the payment order information to the payment platform.

And step 402, the payment platform completes corresponding payment operation according to the payment order information and settles the transaction amount in the payment order information to an account to be billed of the e-commerce platform.

Step 403, after the transaction amount in the payment order information is settled to the account to be credited of the e-commerce platform, the fund platform corresponding to the account to be credited sends a payment completion message to the service side device. After receiving the payment completion message, the service side equipment determines payment order information corresponding to the payment completion message, and determines that the payment platform settles the transaction amount in the payment order information to the account to be billed of the e-commerce platform.

Step 404, the e-commerce platform sends a fund clearing instruction for the target resident merchant to the server side device, wherein the fund clearing instruction is used for instructing payment order information generated in a specified clearing period for the target resident merchant to carry out fund clearing. After receiving the fund clearing instruction, the server equipment determines the account division ratio between the e-commerce platform and the target resident merchant and determines the total transaction amount corresponding to the payment order information generated by the target resident merchant in the specified clearing period. And determining a first amount of the total transaction amount divided to the e-commerce platform and a second amount of the total transaction amount divided to the target resident merchant based on the accounting proportion.

Step 405, the service side device transfers a first amount from the account to be billed to a platform account corresponding to the e-commerce platform, and transfers a second amount from the account to be billed to a merchant account corresponding to the target resident merchant.

Step 406, the service-side device receives a first cash-out instruction for the target resident merchant sent by the e-commerce platform, where the first cash-out instruction at least includes a first cash-out amount and a first cash-out target account, and transfers the first cash-out amount to the first cash-out target account from the merchant account corresponding to the target resident merchant.

Step 407, the service side device receives a second cash withdrawal instruction for the e-commerce platform sent by the e-commerce platform, where the second cash withdrawal instruction may at least include a second cash withdrawal amount and a second cash withdrawal target account, and transfers the second cash withdrawal amount to the second cash withdrawal target account from a platform account corresponding to the e-commerce platform.

Based on the same application concept as the method, an embodiment of the present application further provides a payment transaction processing apparatus, which is applied to a service side device, as shown in fig. 5, and is a structural diagram of the apparatus, where the apparatus includes:

a receiving module 51, configured to receive a clearing instruction sent by the e-commerce platform for a target resident merchant, where the clearing instruction is used to instruct a payment order information generated in a specified clearing period for the target resident merchant to clear, and the payment order information is generated according to a target data object provided by the target resident merchant selected by a user; wherein the payment order information includes resource information of the target data object, a target virtual resource corresponding to the resource information is transferred to a virtual resource allocation account on the third party platform corresponding to the e-commerce platform, and the e-commerce platform is prohibited from transferring the virtual resource in the virtual resource allocation account; the e-commerce platform is provided with a platform account on the third-party platform, and the target resident merchant is provided with a merchant account on the third-party platform;

a determining module 52, configured to determine virtual resource proportion information between the e-commerce platform and the target resident merchant, and determine a total amount of virtual resources corresponding to payment order information generated by the target resident merchant in a specified clearing period; determining a first sub-virtual resource in the total quantity of the virtual resources divided to the e-commerce platform and a second sub-virtual resource in the total quantity of the virtual resources divided to the target resident merchant based on the virtual resource proportion information; a processing module 53, configured to transfer the first sub-virtual resource from the virtual resource allocation account to the platform account, and transfer the second sub-virtual resource from the virtual resource allocation account to the merchant account.

For example, the determining module 52 is specifically configured to, when determining the virtual resource ratio information between the e-commerce platform and the target resident merchant: determining virtual resource proportion information between the e-commerce platform and the target resident merchant from the configured virtual resource proportion information of the e-commerce platform and the resident merchant; alternatively, the first and second electrodes may be,

For example, before the receiving module 51 receives the clearing instruction sent by the e-commerce platform for the target resident merchant, it is further configured to: and in a designated clearing period, receiving payment order information aiming at the target resident merchant sent by the e-commerce platform, storing the payment order information, and forwarding the payment order information to a payment platform, so that the payment platform completes corresponding payment operation according to the payment order information, and transfers target virtual resources corresponding to resource information in the payment order information to the virtual resource allocation account.

For example, the clearing instruction includes a unique merchant identifier of the target resident merchant, and the payment order information for the target resident merchant includes the unique merchant identifier of the target resident merchant, and the determining module 52 is specifically configured to, when determining the total amount of virtual resources corresponding to the payment order information generated by the target resident merchant in a specified clearing period: inquiring all payment order information corresponding to the unique merchant identification in the clearing instruction from all the payment order information stored in the appointed clearing period; and determining the total amount of the virtual resources based on the target virtual resources corresponding to the resource information in the inquired payment order information.

Illustratively, the clearing instruction includes a unique merchant identification of the targeted resident merchant; the processing module 53 is specifically configured to, when transferring the second sub-virtual resource from the virtual resource allocation account to the merchant account: determining account information of the target resident merchant corresponding to the unique merchant identifier; and transferring the second sub virtual resources from the virtual resource allocation account to a merchant account corresponding to the account information.

Based on the same application concept as the method, an electronic device (such as the server device) is also provided in the embodiment of the present application, and from a hardware level, a schematic diagram of a hardware architecture of the electronic device provided in the embodiment of the present application may be as shown in fig. 6. The method can comprise the following steps: a processor 61, a machine-readable storage medium 62, the machine-readable storage medium 62 storing machine-executable instructions executable by the processor 61; the processor 61 is configured to execute machine-executable instructions to implement the payment transaction processing method disclosed in the above example of the present application. For example, the processor 61 is configured to execute machine-executable instructions to perform the following steps:

Based on the same application concept as the method, embodiments of the present application further provide a machine-readable storage medium, where the machine-readable storage medium stores a plurality of computer instructions, and when the computer instructions are executed by a processor, the payment service processing method disclosed in the above example of the present application can be implemented.

The machine-readable storage medium may be, for example, any electronic, magnetic, optical, or other physical storage device that can contain or store information such as executable instructions, data, and the like. For example, the machine-readable storage medium may be: a RAM (random Access Memory), a volatile Memory, a non-volatile Memory, a flash Memory, a storage drive (e.g., a hard drive), a solid state drive, any type of storage disk (e.g., an optical disk, a dvd, etc.), or similar storage medium, or a combination thereof.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

Furthermore, these computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A payment service processing method is applied to a third-party platform, and comprises the following steps:

2. The method of claim 1, wherein the determining virtual resource proportion information between the e-commerce platform and the target entry merchant comprises:

determining virtual resource proportion information between the e-commerce platform and the target resident merchant from the configured virtual resource proportion information of the e-commerce platform and the resident merchant; alternatively, the first and second electrodes may be,

3. The method of claim 1, wherein prior to receiving a clearing instruction sent by the e-commerce platform for a targeted resident merchant, the method further comprises:

and in a designated clearing period, receiving payment order information aiming at the target resident merchant sent by the e-commerce platform, storing the payment order information, and forwarding the payment order information to a payment platform, so that the payment platform completes corresponding payment operation according to the payment order information, and transfers target virtual resources corresponding to resource information in the payment order information to the virtual resource allocation account.

4. The method of claim 3, wherein the clearing instruction includes a unique merchant identifier of the target resident merchant, and the payment order information for the target resident merchant includes the unique merchant identifier of the target resident merchant, and wherein the determining the total amount of virtual resources corresponding to the payment order information generated by the target resident merchant within a specified clearing period comprises:

inquiring all payment order information corresponding to the unique merchant identification in the clearing instruction from all the payment order information stored in the appointed clearing period; and determining the total amount of the virtual resources based on the target virtual resources corresponding to the resource information in the inquired payment order information.

5. The method of claim 1,

the clearing instruction comprises a unique merchant identification of the target resident merchant; the transferring the second sub-virtual resource from the virtual resource allocation account to the merchant account comprises:

determining account information of the target resident merchant corresponding to the unique merchant identifier;

and transferring the second sub virtual resources from the virtual resource allocation account to a merchant account corresponding to the account information.

6. The method of claim 1, wherein after the transferring the second sub-virtual resource from the virtual resource allocation account to the merchant account, the method further comprises:

7. The method of claim 1, wherein after the transferring the first child virtual resource from the virtual resource allocation account to the platform account, the method further comprises:

8. The method according to any one of claims 1 to 7,

the e-commerce platform is an e-commerce platform without settlement qualification; the third party platform is a platform with settlement qualification and comprises a first data interface with the e-commerce platform, a second data interface with the payment platform and a third data interface with the fund platform.

9. An electronic device, comprising: a processor and a machine-readable storage medium storing machine-executable instructions executable by the processor; the processor is configured to execute the machine executable instructions to perform the method steps of any of claims 1-8.

10. A machine-readable storage medium comprising, in combination,

the machine-readable storage medium having stored thereon computer instructions which, when executed, implement the method steps of any of claims 1-8.