CN115564415A

CN115564415A - Order payment and settlement method and device

Info

Publication number: CN115564415A
Application number: CN202211384599.4A
Authority: CN
Inventors: 李威威; 胡亚亭
Original assignee: Beijing Jingdong Tuoxian Technology Co Ltd
Current assignee: Beijing Jingdong Tuoxian Technology Co Ltd
Priority date: 2022-11-07
Filing date: 2022-11-07
Publication date: 2023-01-03

Abstract

The invention discloses a method and a device for order payment and settlement, and relates to the technical field of e-commerce. One embodiment of the method comprises: generating a batch payment order according to the received order placing request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise an acceptance settlement node and a remainder settlement node; responding to a payment request of a user, and acquiring a payment node corresponding to the payment request; under the condition that the payment node is an acceptance settlement node, the merchant is subjected to acceptance settlement according to the received money, wherein the received money comprises an acceptance check; and under the condition that the payment node is a residual settlement node, performing residual settlement on the merchant according to all unsettled money. The implementation mode not only supports online payment and settlement, meets batch payment requirements of the user side, but also supports the advance settlement of partial money of the merchant at a specific payment node, solves the problem of fund turnover of the merchant, and reduces the fund pressure of the merchant.

Description

Order payment and settlement method and device

Technical Field

The invention relates to the technical field of e-commerce, in particular to a method and a device for order payment and settlement.

Background

With the popularization and application of internet technology, online shopping has become a generally accepted consumption mode for the public. The online shopping provides a reliable and convenient payment mode for the user and the merchant, and the order is generated after the user is confirmed to pay the full amount of the goods, so that the merchant performs, and the rights and interests of the user and the merchant are guaranteed.

In the process of implementing the invention, the inventor finds that the following problems exist in the prior art:

for large equipment articles, on one hand, due to the problems of complexity, specialty and the like of use, the transaction process of the articles not only comprises delivery, but also comprises services such as installation, debugging, acceptance and the like, and is not suitable for a transaction mode of paying the full payment for one time; on the other hand, because the transaction amount of the equipment is usually large, the conventional online transaction rule can only carry out settlement of merchants after payment of all money, thereby influencing the fund turnover efficiency of the merchants and bringing certain fund pressure to the merchants. And the traditional offline transaction not only increases the daily management and transaction cost for users and merchants, but also is not beneficial to the extraction, statistics and analysis of transaction information. That is, there is no efficient transaction method for such articles that can satisfy the appeal of both the user and the merchant.

Disclosure of Invention

In view of this, embodiments of the present invention provide a method and an apparatus for payment and settlement of an order, where a batch payment order including a plurality of payment nodes is generated according to an order placing request of a user; according to a payment request of a user, when an acceptance settlement node is obtained, acceptance settlement is carried out on a merchant; and when the surplus settlement node is obtained, carrying out surplus settlement on the merchant. The method provided by the embodiment of the invention not only supports online payment and settlement, meets the requirements of batch payment of the user side, but also supports the advance settlement of partial money of the merchant at a specific payment node, solves the problem of fund turnover of the merchant, reduces the fund pressure of the merchant and ensures the rights and interests of the merchant.

To achieve the object, according to an aspect of an embodiment of the present invention, there is provided an order payment settlement method including:

generating a batch payment order according to a received order placing request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise an acceptance settlement node and a remainder settlement node;

responding to a payment request of a user, and acquiring a payment node corresponding to the payment request;

under the condition that the payment node is an acceptance settlement node, acceptance settlement is carried out on the merchant according to the received money, wherein the received money comprises an acceptance check;

and under the condition that the payment node is a surplus settlement node, performing surplus settlement on the merchant according to all unsettled money.

Optionally, generating a batch payment order according to the received order placing request includes: acquiring article information of an order to be generated according to a received order placing request; determining the type of the order to be generated as a batch payment order under the condition that the item information comprises an item with a batch payment identifier; and generating a batch payment order according to the article information and the payment rule.

Optionally, generating a batch payment order according to the item information and the payment rule includes: selecting batch payment order templates meeting the payment rules from a preset batch payment order template set; acquiring user information according to the ordering request; and generating a batch payment order according to the user information, the article information and the selected batch payment order template.

Optionally, the payment node further comprises a shipping node; the method further comprises the following steps: and under the condition that the payment node is a delivery node, judging whether the payment amount of the user meets the payment rule or not, and under the condition that the payment rule is met, prompting a merchant to deliver goods.

Optionally, the acceptance settlement node is triggered by: in response to receiving an acceptance file for the batch payment order, sending an acceptance payment request for the batch payment order to the user; and triggering the acceptance settlement node in response to receiving the acceptance amount.

Optionally, the remainder settlement node has a time attribute; the method further comprises the following steps: in response to receiving the acceptance amount, recording the completion time of the acceptance settlement node; and updating the latest execution time of the residual settlement node according to the completion time of the acceptance settlement node.

Optionally, the method further comprises: monitoring an execution result of each payment node included in the batch payment order; updating the state of the batch payment orders and the remaining to-be-paid money according to the execution result; and generating a payment prompt message according to the state of the batch payment order and the residual payment to be paid, and sending the payment prompt message to the user.

According to a second aspect of an embodiment of the present invention, there is provided an apparatus for settlement of order payment, including:

the order generation module is used for generating a batch payment order according to a received order placing request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise an acceptance settlement node and a remainder settlement node;

the payment node acquisition module is used for responding to a payment request of a user and acquiring a payment node corresponding to the payment request;

the acceptance settlement node execution module is used for carrying out acceptance settlement on the merchant according to the received money under the condition that the payment node is the acceptance settlement node, wherein the received money comprises the acceptance amount;

and the residual settlement node execution module is used for carrying out residual settlement on the merchants according to all unsettled money under the condition that the payment node is the residual settlement node.

According to a third aspect of an embodiment of the present invention, there is provided an electronic device for settlement of order payment, including:

one or more processors;

a storage device to store one or more programs,

when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the method provided by the first aspect of the embodiments of the present invention.

According to a fourth aspect of embodiments of the present invention, there is provided a computer-readable medium, on which a computer program is stored, which when executed by a processor, performs the method provided by the first aspect of embodiments of the present invention.

One embodiment of the invention has the following advantages or benefits: generating a batch payment order according to the received order placing request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise an acceptance settlement node and a remainder settlement node; responding to a payment request of a user, and acquiring a payment node corresponding to the payment request; under the condition that the payment node is an acceptance settlement node, acceptance settlement is carried out on the merchant according to the received money, wherein the received money comprises the acceptance amount; under the condition that the payment node is a surplus settlement node, according to the technical scheme of carrying out surplus settlement on merchants according to all unsettled money, the generation of batch payment orders comprising a plurality of payment nodes is realized according to ordering requests of users; according to a payment request of a user, when an acceptance settlement node is obtained, acceptance settlement is carried out on a merchant; and when the surplus settlement node is obtained, carrying out surplus settlement on the merchant. The method provided by the embodiment of the invention not only supports online payment and settlement, meets the requirements of batch payment of the user side, but also supports the advance settlement of partial money of the merchant at a specific payment node, solves the problem of fund turnover of the merchant, reduces the fund pressure of the merchant and ensures the rights and interests of the merchant.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the main flow of a method of order payment settlement according to an embodiment of the invention;

FIG. 2 is a schematic flow diagram of the primary process of generating batch payment orders according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of the main flow of online payment according to an embodiment of the present invention;

FIG. 4 is a schematic flow diagram of a primary process for delivery performance of an embodiment of the invention;

FIG. 5 is a schematic diagram of a main flow executed by the acceptance settlement node according to the embodiment of the present invention;

FIG. 6 is a block diagram of an exemplary architecture for settlement of order payments;

FIG. 7 is a schematic diagram of the main blocks of an apparatus for settlement of order payment according to an embodiment of the present invention;

FIG. 8 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;

fig. 9 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

The present invention contemplates that entities responsible for collecting, analyzing, disclosing, transmitting, storing, or otherwise using such personal information data will comply with established privacy policies and/or privacy practices. In particular, such entities should enforce and adhere to the use of privacy policies and practices that are recognized to meet or exceed industry or government requirements for maintaining privacy and security of personal information data. Such policies should be easily accessible to users and should be updated as data collection and/or usage changes. Personal information from the user should be collected for legitimate and legitimate uses by the entity and not shared or sold outside of these legitimate uses. Furthermore, such acquisition/sharing should be performed after receiving user informed consent. Furthermore, such entities should consider taking any necessary steps to defend and secure access to such personal information data, and to ensure that others who have access to the personal information data comply with their privacy policies and procedures. In addition, such entities may subject themselves to third party evaluations to prove compliance with widely accepted privacy policies and practices. In addition, policies and practices should be adjusted to collect and/or access specific types of personal information data and to apply applicable laws and standards including specific considerations of jurisdiction. For example, in the united states, the collection or acquisition of certain health data may be governed by federal and/or state laws, such as the health insurance association and accountability act (HIPAA); while other countries may have health data subject to other regulations and policies and should be treated accordingly. Therefore, different privacy practices should be maintained for different personal data types in each country.

Regardless of the foregoing, the present invention also contemplates embodiments in which a user selectively prevents use or access to personal information data. That is, the present invention contemplates that hardware elements and/or software elements may be provided to prevent or block access to such personal information data. For example, in terms of accessing or storing health information, the techniques of the present invention may be configured to allow a user to opt-in or opt-out of participating in the collection of personal information data during registration services or at any time thereafter. In another example, the user may choose not to provide certain types of health-related information. In yet another example, the user may choose to limit the length of time the health-related information is maintained or to prohibit the storage of the health-related information entirely. In addition to providing "opt-in" and "opt-out" options, the present invention contemplates providing notifications related to accessing or using personal information. For example, the user may be notified that their personal information data is to be accessed when the application is downloaded, and then be reminded again just before the personal information data is accessed by the application.

Further, it is an object of the present invention that personal information data should be managed and processed to minimize the risk of inadvertent or unauthorized access or use. Once the data is no longer needed, the risk can be minimized by limiting data collection and deleting data. In addition, and when applicable, including in certain health-related applications, data de-identification may be used to protect the privacy of the user. De-identification may be facilitated by removing particular identifiers (e.g., date of birth, etc.), controlling the amount or specificity of stored data (e.g., collecting location data at a city level rather than at an address level), controlling how data is stored (e.g., aggregating data among users), and/or other methods, as appropriate.

At present, for large equipment articles, on one hand, due to the problems of complexity, specialty and the like of use, the transaction process of the articles not only comprises delivery, but also comprises services such as installation, debugging, acceptance and the like, and is not suitable for a transaction mode of paying full payment for one time; on the other hand, because the transaction amount of the equipment is usually large, the conventional online transaction rule can only carry out settlement of merchants after payment of all money, thereby influencing the fund turnover efficiency of the merchants and bringing certain fund pressure to the merchants. And the traditional offline transaction not only increases the daily management and transaction cost for users and merchants, but also is not beneficial to the extraction, statistics and analysis of transaction information. That is, for such articles, there is no efficient transaction mode which can satisfy the appeal of users and merchants at the same time, and the practical application cannot be well satisfied.

In order to solve the problems in the prior art, the invention provides an order payment settlement method, which comprises the steps of generating batch payment orders comprising a plurality of payment nodes according to order placing requests of users; according to a payment request of a user, when an acceptance settlement node is obtained, acceptance settlement is carried out on a merchant; and when the surplus settlement node is obtained, carrying out surplus settlement on the merchant. The method provided by the embodiment of the invention not only supports online payment and settlement, meets the demands of batch payment of the user side, but also supports the advance settlement of partial money of the merchant at a specific payment node, solves the problem of capital turnover of the merchant, reduces the capital pressure of the merchant and ensures the rights and interests of the merchant.

Fig. 1 is a schematic diagram of a main flow of a method for settlement of order payment according to an embodiment of the present invention, and as shown in fig. 1, the method for settlement of order payment according to an embodiment of the present invention includes steps S101 to S104 as follows.

Step S101, generating a batch payment order according to a received ordering request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise acceptance settlement nodes and surplus settlement nodes.

In particular, on-line transaction based on some specific goods, due to its complexity and expertise, the goods transaction is often not only a main link of delivery, but also the merchant needs to provide subsequent services to the user, such as installation, debugging, acceptance and the like. In order to ensure the quality of these services, usually in the early stage of transaction establishment, a user and a merchant negotiate on a specific payment transaction rhythm of a transaction article (transaction article), and a transaction payment process of the transaction article is divided into a plurality of payment nodes, which may mainly include payment nodes for making a deposit, acceptance payment, acceptance settlement, remainder payment, remainder settlement and the like, and may also mainly include payment nodes for making a deposit, installation and debugging payment, acceptance settlement, remainder payment, remainder settlement and the like.

According to one embodiment of the invention, generating a batch payment order based on a received order placement request comprises: acquiring the item information of the order to be generated according to the received order placing request; determining the type of the order to be generated as a batch payment order under the condition that the item information comprises an item with a batch payment identifier; and generating a batch payment order according to the article information and the payment rule.

Specifically, when a user sends an ordering request through an online trading platform, the ordering request with a batch payment identifier is sent to a purchase article which is supported and needs to be paid in batches, and the online trading platform acquires corresponding article information according to the received ordering request; and under the condition that the article information comprises the batch payment identifier, checking and auditing to determine that the type of the order to be generated is a batch payment order.

According to another embodiment of the invention, generating a batch payment order based on the item information and payment rules comprises: selecting batch payment order templates meeting the payment rules from a preset batch payment order template set; acquiring user information according to the ordering request; and generating a batch payment order according to the user information, the article information and the selected batch payment order template.

Specifically, as mentioned above, in the early stage of transaction establishment, the user and the merchant negotiate on the specific payment transaction rhythm of the transaction product, and determine the specific payment node involved in the transaction, the percentage of the payment amount corresponding to each payment node in the total amount of the transaction product, and the planned payment completion time corresponding to each payment node, and establish the payment rule of the transaction. When a user makes an online ordering request, the online transaction platform guides a merchant to set a payment rule when recognizing that the ordering request is a batch payment order, and after the ordering request is checked by the user, the online transaction platform determines the specific payment rhythm of the transaction and generates the batch payment order. Certainly, the setting of the payment rule may also be implemented by the user performing the setting and being checked by the merchant, and the embodiment of the present invention is not limited.

Specifically, the payment rule may be set through a page, where the set specific batch quantity is, that is, the payment node, the payment proportion corresponding to each payment node, the planned payment completion time of each payment node, the fulfillment content (shipment after this payment, settlement after this payment, etc.) corresponding to each payment node, the basic information (specification, quantity, price, etc.) of the purchased article, and the batch payment identifier.

Additionally, in order to generate batch payment orders more conveniently and quickly, a merchant can preset a commonly used batch payment order template set in advance according to historical transaction information of a transaction product, when the batch payment orders need to be generated, a batch payment order template meeting payment rules is selected from the preset batch payment order template set, and then the user information and the transaction product information in an order placing request are combined to generate the batch payment orders of the transaction conveniently and quickly.

FIG. 2 is a schematic flow diagram of a batch payment order generation process according to an embodiment of the present invention. A user submits an order placing request comprising batch payment identification through an online transaction platform; the online transaction platform checks the ordering request, and guides a merchant or a user to set payment rules for the articles needing batch payment when batch payment identification is identified; the order system generates an order comprising batch payment orders, splits the order into batch payment orders and common orders for storage, and marks the batch payment orders so that when the order is transmitted to the ledger system, the ledger system determines accounts receivable of each payment node according to the batch payment orders.

Through the establishment of the batch payment order, batch payment demands on a subscriber line are met, and the online transaction of the goods in the embodiment of the invention is promoted.

Step S102, responding to a payment request of a user, and obtaining a payment node corresponding to the payment request.

Specifically, the payment nodes of the batch payment order in the embodiment of the invention have sequence numbers, the sequence numbers of the payment nodes are the payment sequence, and the online payment is carried out according to the sequence numbers of the payment nodes. Based on the generated batch payment order, the user can obtain the total amount of the goods, the payment nodes and the corresponding payment sequence included in the goods transaction, the payment proportion of each payment node, the payment amount corresponding to each payment proportion, the planned payment completion time corresponding to each payment node and the current payment state (the completed or to-be-completed payment node) through the payment page. The user clicks 'go pay' in the payment page to send a payment request to the online transaction platform, the online transaction platform obtains the payment sequence and the current payment state of the batch payment orders according to the payment request, and the payment node with the most number in the payment nodes to be completed is used as the payment node of the payment request for the time, so that online payment is carried out. And the machine account, the capital account and the accounting system of the online transaction platform check and sell according to the received payment, and update receivable and real payment, payment to account information and accounting report information in the batch payment order.

Fig. 3 is a schematic diagram of a main flow of online payment according to an embodiment of the present invention. In response to a payment request of a user, a cash register of the online transaction platform executes corresponding payment, receives payment, and sends payment information to a machine account, a fund account and an accounting system for verification and cancellation, and updates receivable and cash, cash to account information and accounting report information in batch payment orders.

According to one embodiment of the invention, the payment node further comprises a shipping node; the method further comprises the following steps: and under the condition that the payment node is a delivery node, judging whether the payment amount of the user meets the payment rule, and under the condition that the payment rule is met, prompting a merchant to deliver the product.

Specifically, based on payment rules of batch payment items, when the payment amount of the user reaches a preset delivery order amount, the merchant performs delivery. Delivery performance is an important link in a transaction, and generally, payment nodes which need to be completed in the early stage of the transaction are defined by setting a payment in performance content of a certain payment node and then delivering. When the shipping node is executed, whether the received payment amount of the user meets the payment rule needs to be judged, and if yes, a shipping prompt is sent to the merchant.

Fig. 4 is a main flow diagram of delivery performance according to an embodiment of the present invention. Based on the generated batch payment orders, on one hand, the online trading platform sends the batch payment orders to the merchant, on the other hand, monitors the current payment nodes of the batch payment orders, and updates the state of the batch payment orders to be in a waiting state for delivery when the batch payment orders enter the delivery nodes. When receiving batch payment orders and obtaining the batch payment orders, a merchant obtains collection information from an accounting system of a platform when the batch payment orders are in a state of waiting for delivery, checks and confirms that the payment amount of a user meets the delivery requirement in the payment rule, and performs delivery fulfillment; and updating the order state to be that the goods are delivered from the warehouse, and sending the updated order state to a management background of the platform in a shared manner so as to synchronously update the state of the batch payment order in the order system of the platform.

Through the delivery node, delivery fulfillment of the transaction products according to the payment amount is achieved, and limitation of an existing delivery mode of full payment is avoided.

And step S103, under the condition that the payment node is an acceptance settlement node, acceptance settlement is carried out on the merchant according to the received money, wherein the received money comprises the acceptance amount.

According to one embodiment of the invention, the acceptance settlement node is triggered by: in response to receiving an acceptance file for the batch payment order, sending an acceptance payment request for the batch payment order to the user; and triggering the acceptance settlement node in response to receiving the acceptance amount.

Specifically, in order to guarantee the rights and interests of merchants to the greatest extent on the basis of transaction performance, the transaction habits of the articles in the embodiment of the invention are comprehensively considered, and acceptance settlement nodes are set. Generally, the acceptance of a transaction article comprises a plurality of functional indexes, and in the initial stage of transaction, a user and a merchant agree on an acceptance file, so that the user can conveniently perform record checking in the acceptance process to determine that the acceptance passes, and the acceptance file can be completed by the user or can be completed by the user after being sorted by the merchant and confirmed by the user. According to the set payment rule, the online transaction platform determines that the article passes the acceptance according to the acceptance file of the received batch payment order so as to send a request for payment acceptance check to the user; after the user confirms that the acceptance passes and pays the acceptance check, the platform triggers an acceptance settlement node according to the received acceptance check, the merchant performs acceptance settlement, the received money or part of the money is settled to the merchant, and the settlement proportion is determined by the payment rule.

Fig. 5 is a schematic main flow chart executed by the acceptance settlement node according to the embodiment of the present invention. And the management background of the online transaction platform receives the acceptance file, sends an acceptance check payment request to the user, and after receiving the acceptance check payment, charges the merchant for settlement through the account charging system according to the received acceptance check payment.

Through the setting of the acceptance settlement node, the consumption caused by the goods returning and refunding operation due to the quality problem in the earlier stage is avoided, the settlement is carried out on the merchant in the earlier stage on the basis of ensuring the transaction, and the fund pressure of the merchant is effectively relieved.

And step S104, under the condition that the payment node is a surplus settlement node, performing surplus settlement on the merchant according to all unsettled money.

Generally, after the acceptance and settlement node is completed, the subsequent payment node is used for paying and settling the remaining money, and when the remaining money calculation node is executed, the remaining money settlement is performed on the merchant according to all unsettled money. Of course, a plurality of settlement payment nodes may be set after the acceptance settlement node of the payment rule, and then subsequent settlement is performed according to the set calculation payment node, which is not limited in the embodiment of the present invention.

According to an embodiment of the invention, the method further comprises: monitoring an execution result of each payment node included in the batch payment order; updating the state of the batch payment orders and the remaining to-be-paid money according to the execution result; and generating a payment prompt message and sending the payment prompt message to the user according to the state of the batch payment orders and the residual payment to be paid.

Specifically, in the whole transaction process, the online transaction platform monitors the execution result of each payment node in the order, and updates the state of the order, the verification of accounts receivable for payment and the remaining amount to be paid according to the execution result of each payment node, so that the current state of the order, the executed payment node, the amount of paid money, the executed payment node and the amount of paid money to be paid are displayed for the user and the merchant. In addition, the online transaction platform timely sends a payment prompt message and related transaction information to the user according to the planned payment completion time of the payment node in the payment rule and the remaining to-be-paid money, so that overdue is reduced.

According to one embodiment of the invention, the remainder settlement node has a time attribute; the method further comprises the following steps: in response to receiving the acceptance amount, recording the completion time of the acceptance settlement node; and updating the latest execution time of the residual settlement node according to the completion time of the acceptance settlement node.

Specifically, considering that the actual completion time of the payment node may not be consistent with the planned completion time, especially an acceptance link has a certain uncertainty, which may affect the actual completion time of the acceptance settlement node, the online transaction platform records the actual payment time of each payment node after completing the payment node, and sequentially updates the planned completion time, i.e., the latest execution time, of the subsequent payment nodes such as the surplus settlement node according to the actual payment completion time of the acceptance settlement node, so that the platform can accurately manage and prompt the payment promulgation time for accepting the surplus.

Fig. 6 is a schematic diagram of the architecture for settlement of order payment according to the embodiment of the present invention. The architecture comprises a bottom system layer, a business data layer, an application service layer and a business presentation layer from the bottom layer to the upper layer of the architecture. The bottom system layer mainly comprises an article system for managing articles, a merchant system for butting and serving merchants, a transaction system for providing transactions, an order system for generating and managing orders, a charging system and a settlement system for charging and settling accounts according to the orders, and a standing book, a fund account and an accounting system related to fund management. The business data layer mainly obtains business data through a bottom layer system, and the business data mainly comprises main data information, order data information, charging data information, settlement data information, standing book capital account data information and accounting data information of transaction articles. The application service layer is mainly used for processing and managing business data acquired by the bottom layer system, and comprises the steps of setting batch payment rules, identifying batch payment orders, executing batch payment according to the generated batch payment orders, verifying and selling the batch orders in batches by the fund management system according to the collection information, reminding the transaction in due time according to the order state, and managing acceptance and settlement. The service display layer realizes the payment settlement operation of the online order form to the foreground user, the background merchant and the platform for providing service application.

By the order payment and settlement method, online payment and settlement are achieved, batch payment requirements of a user side are met, and partial payment settlement is performed on merchants at specific payment nodes, so that the problem of capital turnover of merchants is solved, the capital pressure of the merchants is reduced, the rights and interests of the merchants are guaranteed, and the actual application requirements can be better met.

Fig. 7 is a schematic block diagram of an apparatus for settlement of order payment according to an embodiment of the present invention. As shown in fig. 7, the apparatus 700 for payment and settlement of an order mainly includes an order generation module 701, a payment node acquisition module 702, an acceptance and settlement node execution module 703, and a remainder and settlement node execution module 704.

The order generation module 701 is used for generating a batch payment order according to a received order placing request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise an acceptance settlement node and a remainder settlement node;

a payment node obtaining module 702, configured to, in response to a payment request of a user, obtain a payment node corresponding to the payment request;

the acceptance settlement node executing module 703 is configured to, when the payment node is an acceptance settlement node, perform acceptance settlement on the merchant according to a received sum of money, where the received sum of money includes an acceptance amount;

and the remaining settlement node execution module 704 is configured to, when the payment node is a remaining settlement node, perform remaining settlement on the merchant according to all unsettled funds.

According to an embodiment of the present invention, the order generating module 701 may be further configured to: acquiring article information of an order to be generated according to a received order placing request; determining the type of the order to be generated as a batch payment order under the condition that the article information comprises an article with a batch payment identifier; and generating a batch payment order according to the article information and the payment rule.

According to another embodiment of the present invention, the order generation module 701 may further be configured to: selecting batch payment order templates meeting the payment rules from a preset batch payment order template set; acquiring user information according to the ordering request; and generating a batch payment order according to the user information, the article information and the selected batch payment order template.

According to yet another embodiment of the invention, the payment node further comprises a shipping node; the order payment settlement apparatus 700 further comprises a shipping node executing module (not shown in the figure) for: and under the condition that the payment node is a delivery node, judging whether the payment amount of the user meets the payment rule, and under the condition that the payment rule is met, prompting a merchant to deliver the product.

According to a further embodiment of the invention, the acceptance settlement node is triggered by: in response to receiving an acceptance file for the batch payment order, sending an acceptance payment request for the batch payment order to the user; and triggering the acceptance settlement node in response to receiving the acceptance amount.

According to one embodiment of the invention, the remainder settlement node has a time attribute; the order payment settlement apparatus 700 further includes a time update module (not shown) for: in response to receiving the acceptance amount, recording the completion time of the acceptance settlement node; and updating the latest execution time of the residual settlement node according to the completion time of the acceptance settlement node.

According to another embodiment of the present invention, the order payment settlement apparatus 700 further comprises a transaction prompting module (not shown in the figure) for: monitoring an execution result of each payment node included in the batch payment order; updating the state of the batch payment orders and the residual amount to be paid according to the execution result; and generating a payment prompt message according to the state of the batch payment order and the residual payment to be paid, and sending the payment prompt message to the user.

Fig. 8 is an exemplary system architecture diagram in which embodiments of the present invention may be employed.

As shown in fig. 8, the system architecture 800 may include

terminal devices

801, 802, 803, a network 804, and a server 805. The network 804 serves to provide a medium for communication links between the

terminal devices

801, 802, 803 and the server 805. Network 804 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.

A user may use the

terminal devices

801, 802, 803 to interact with a server 805 over a network 804 to receive or send messages or the like. Various communication client applications, such as an order payment settlement application, etc. (by way of example only), may be installed on the

terminal devices

801, 802, 803.

The

terminal devices

801, 802, 803 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 805 may be a server that provides various services, such as a background management server (for example only) that supports settlement of order payment by a user using the

terminal apparatuses

801, 802, 803. The background management server can generate a batch payment order according to the received order placing request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise an acceptance settlement node and a remainder settlement node; responding to a payment request of a user, and acquiring a payment node corresponding to the payment request; under the condition that the payment node is an acceptance settlement node, acceptance settlement is carried out on the merchant according to the received money, wherein the received money comprises the acceptance amount; if the payment node is a remainder settlement node, processing such as remainder settlement is performed on the merchant according to all unsettled money, and a processing result (for example, a settlement result, etc. -just an example) is fed back to the terminal device.

It should be noted that the method for order payment settlement provided by the embodiment of the present invention is generally executed by the server 805, and accordingly, an apparatus for order payment settlement is generally disposed in the server 805.

It should be understood that the number of terminal devices, networks, and servers in fig. 8 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 9, shown is a block diagram of a computer system 900 suitable for use with a terminal device or server implementing embodiments of the present invention. The terminal device or the server shown in fig. 9 is only an example, and should not bring any limitation to the functions and the use range of the embodiment of the present invention.

As shown in fig. 9, the computer system 900 includes a Central Processing Unit (CPU) 901 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM) 902 or a program loaded from a storage section 908 into a Random Access Memory (RAM) 903. In the RAM 903, various programs and data necessary for the operation of the system 900 are also stored. The CPU 901, ROM 902, and RAM 903 are connected to each other via a bus 904. An input/output (I/O) interface 905 is also connected to bus 904.

The following components are connected to the I/O interface 905: an input portion 906 including a keyboard, a mouse, and the like; an output portion 907 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 908 including a hard disk and the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. A drive 910 is also connected to the I/O interface 905 as needed. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.

In particular, according to embodiments of the present disclosure, the processes described above with reference to the flow diagrams may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program article comprising a computer program embodied on a computer-readable medium, the computer program comprising program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The above-described functions defined in the system of the present invention are executed when the computer program is executed by a Central Processing Unit (CPU) 901.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present invention, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program articles according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present invention may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor comprising: the payment system comprises an order generation module, a payment node acquisition module, an acceptance settlement node execution module and a remaining money settlement node execution module.

The names of these modules do not constitute a limitation to the module itself in some cases, for example, the payment node acquisition module may also be described as "a module for acquiring a payment node corresponding to a payment request in response to the payment request of a user".

In another aspect, the present invention also provides a computer-readable medium, which may be contained in the apparatus described in the embodiments; or may be separate and not assembled into the device. The computer readable medium carries one or more programs which, when executed by an apparatus, cause the apparatus to comprise: generating a batch payment order according to a received order placing request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise an acceptance settlement node and a remainder settlement node; responding to a payment request of a user, and acquiring a payment node corresponding to the payment request; under the condition that the payment node is an acceptance settlement node, acceptance settlement is carried out on the merchant according to the received money, wherein the received money comprises an acceptance check; and under the condition that the payment node is a surplus settlement node, performing surplus settlement on the merchant according to all unsettled money.

According to the technical scheme of the embodiment of the invention, the method has the following advantages or beneficial effects: generating a batch payment order according to the received order placing request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise an acceptance settlement node and a remainder settlement node; responding to a payment request of a user, and acquiring a payment node corresponding to the payment request; under the condition that the payment node is an acceptance settlement node, the merchant is subjected to acceptance settlement according to the received money, wherein the received money comprises an acceptance check; under the condition that the payment node is a surplus settlement node, according to all unsettled money, the technical scheme of surplus settlement is carried out on a merchant, and the generation of batch payment orders comprising a plurality of payment nodes is realized according to order placing requests of users; according to a payment request of a user, when an acceptance settlement node is obtained, acceptance settlement is carried out on a merchant; and when the surplus settlement node is obtained, carrying out surplus settlement on the merchant. The method provided by the embodiment of the invention not only supports online payment and settlement, meets the requirements of batch payment of the user side, but also supports the advance settlement of partial money of the merchant at a specific payment node, solves the problem of fund turnover of the merchant, reduces the fund pressure of the merchant and ensures the rights and interests of the merchant.

The specific embodiments are not to be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for settlement of an order payment, comprising:

under the condition that the payment node is an acceptance settlement node, acceptance settlement is carried out on the merchant according to the received money, wherein the received money comprises the acceptance amount;

2. The method of claim 1, wherein generating a batch payment order based on the received order placement request comprises:

acquiring the item information of the order to be generated according to the received order placing request;

determining the type of the order to be generated as a batch payment order under the condition that the item information comprises an item with a batch payment identifier;

and generating a batch payment order according to the article information and the payment rule.

3. The method of claim 2, wherein generating a batch payment order based on the item information and payment rules comprises:

selecting batch payment order templates meeting the payment rules from a preset batch payment order template set;

acquiring user information according to the ordering request;

and generating a batch payment order according to the user information, the article information and the selected batch payment order template.

4. The method of claim 3, wherein the payment node further comprises a shipping node;

the method further comprises the following steps:

and under the condition that the payment node is a delivery node, judging whether the payment amount of the user meets the payment rule, and under the condition that the payment rule is met, prompting a merchant to deliver the product.

5. The method according to claim 1, characterized in that the acceptance settlement node is triggered by:

in response to receiving an acceptance file for the batch payment order, sending an acceptance payment request for the batch payment order to the user;

and triggering the acceptance settlement node in response to receiving the acceptance amount.

6. The method of claim 5, wherein the remainder settlement node has a time attribute;

the method further comprises the following steps:

in response to receiving the amount of checkout payment,

recording the completion time of the acceptance settlement node;

and updating the latest execution time of the residual settlement node according to the completion time of the acceptance settlement node.

7. The method of claim 1, further comprising:

monitoring an execution result of each payment node included in the batch payment order;

updating the state of the batch payment orders and the remaining to-be-paid money according to the execution result;

and generating a payment prompt message and sending the payment prompt message to the user according to the state of the batch payment orders and the residual payment to be paid.

8. An apparatus for settlement of an order payment, comprising:

the order generation module is used for generating batch payment orders according to the received order placing requests, wherein the batch payment orders comprise a plurality of payment nodes, and the payment nodes comprise acceptance settlement nodes and surplus settlement nodes;

the acceptance settlement node execution module is used for carrying out acceptance settlement on the merchant according to the received money under the condition that the payment node is an acceptance settlement node, wherein the received money comprises an acceptance amount;

9. A mobile electronic device terminal, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.

10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.