CN104700263A - Communication method of valuation loading-based on-line sales real-time settlement - Google Patents
Communication method of valuation loading-based on-line sales real-time settlement Download PDFInfo
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- CN104700263A CN104700263A CN201510074399.2A CN201510074399A CN104700263A CN 104700263 A CN104700263 A CN 104700263A CN 201510074399 A CN201510074399 A CN 201510074399A CN 104700263 A CN104700263 A CN 104700263A
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Abstract
The invention discloses a communication method of valuation loading-based on-line sales real-time settlement, and aims to solve the problem that the service or product exhibition of scattered merchant parties can be implemented to finish real-time settlement with multiple parties at one time during payment after the server is filed and certified by an acquirer. According to technical scheme, in the communication method, (1) the certified real-time settlement server is additionally arranged, wherein the communication method comprises a step that a real-time settlement server sets an appointed logic operation formula, starting and ending time and certification information in a specific sales settlement event; (2) a merchant party transmits a correlated event and account information to the server; (3) a channel party transmits the correlated event and account information to the server; (4) the server performs valuation loading to generate a two-dimensional code or short message to realize confirmation and payment; (7) settling to a collection account by a payment acquirer. The method has the beneficial effects that one-time exhibition and payment of the scattered merchants can be conveniently implemented, multi-party real-time settlement is realized, dispute or confidence crisis of each party is solved, and the channel party is called to participate in enthusiasm of the sales.
Description
Art
The invention belongs to technical field of network communication, particularly relate to a kind of means of communication of the on-line selling speedy clearance based on assignment loading.
Background technology
Along with the development of network technique, the sale form that many online spendings are combined with bank network is there is in prior art, the sale of real-time performance service or product and online payment is utilized to become the custom of people's consumption and the safe and efficient modes of payments, but in prior art, when online purchase service and shopping, the introduction of service content or product has following form with the payment and settlement buying rear expense:
1, buying service and shopping and pay and need process respectively, realizing paying in the way by bank transfer or Third-party payment (as Taobao) after buying as determined online.The purchase of this form is completed by different channel from payment consumption person, to customer agent's inconvenience.
2, buy service and shopping and pay and complete step by step in same displaying background, namely the link that payment pays is set on the interface buying service and shopping, when adopting this technical scheme to sell, trade company side must carry out approval examination & approval to the appointed product sold and the qualification file of trade company side to acquirer and put on record, the program be applicable to sell service or product single, and service, product can not frequently change, scattered trade company side multi items, small-scale service or production marketing cannot be adapted to, formality is simultaneously loaded down with trivial details, time-consuming increase selling cost of taking a lot of work, very flexible.
3, above-mentioned two kinds of forms all cannot adapt to the speedy clearance that channel side participates in the defrayment in sales process; the profit of channel side separately can only be established clearing channel or settle accounts afterwards; cause trade company side and channel side's trust crisis; be unfavorable for transferring the enthusiasm that channel side participates in sale; the economic dispute that in reality, trade company side and channel side cause due to trade company side's capital or channel side's commission happens occasionally, and when particularly channel side is multiple, above-mentioned economic dispute becomes more complicated.
Summary of the invention
For overcoming the technical deficiency that above-mentioned prior art exists, the present invention discloses a kind of means of communication of the on-line selling speedy clearance based on assignment loading, in the method, by speedy clearance server in many ways once through the authentication record of acquirer, scattered trade company side multi items, small-scale service or production marketing can be implemented, collection service simultaneously or product introduction, payment primary line to complete, realize the speedy clearance in many ways of trade company side, channel side (can be in many ways), consumer's on-line selling simultaneously.
The technical scheme that the present invention realizes goal of the invention employing is: a kind of means of communication of the on-line selling speedy clearance based on assignment loading, the method is by means of acquirer, trade company side, the communication contact set up between channel side and consumer realizes, in these means of communication, set up the sale speedy clearance server in many ways through acquirer certification, this in many ways speedy clearance server comprise: administration module and taxonomy database, in many ways speedy clearance server is for trade company side, the specific clearing event of channel side and consumer's on-line selling carries out assignment loading, the means of communication that speedy clearance pays are as follows:
(1), speedy clearance server sets the preferential and corresponding logical operation formula of the allocation proportion of trade company side and the channel side arranged in specific marketing balance event, consumer by administration module in many ways, the beginning and ending time of specific marketing balance, set authentication and the collecting account authorization information of trade company side and channel side simultaneously;
(2) trade company side is by after server terminal identity validation, and the price of service or product, service content or product introduction, collecting account information are sent to speedy clearance server in many ways, and are stored in the taxonomy database of speedy clearance server in many ways;
, channel side by after server terminal identity validation, channel reef knot is calculated collecting account information, the service related to or product information and is sent to speedy clearance server in many ways, and be stored in the taxonomy database of speedy clearance server in many ways;
(4), in many ways the assignment that speedy clearance server management module carries out specific marketing balance event loads, generate with the allocation proportion according to the trade company side arranged in specific marketing balance event and channel side, the logical operation formula of the preferential ratio of consumer, calculate trade company side and channel side respective amount receivable in specific marketing balance event, the preferential amount of money of consumer and clearing the reckoning up the bill of total charge, this network of settling accounts payment channel with consumer of reckoning up the bill is connected and serves or the price of product, after service content or product introduction information are bound, generation includes the network connection of payment channel and the Quick Response Code of bound content or short message sending to channel side's server terminal,
, channel side by channel side's server terminal, the Quick Response Code with specific marketing balance event assignment (4) generated by obtaining step or note are sent to consumer by network marketing channel;
, consumer's obtaining step Quick Response Code (5) or note after accepting its service content or product, consumer
by Quick Response Code or notethe beginning and ending time whether meeting clearing is veritified through speedy clearance server in many ways, veritify by rear, in many ways speedy clearance server sends to payment acquirer the request of payment, after paying acquirer acceptance payment request, confirm after payment through consumer, payment acquirer completes consumer and pays receipts list;
(7), pay acquirer and the Pay Bill completed is sent to speedy clearance server in many ways, in many ways speedy clearance server is according to the Pay Bill that the completes logical operation formula preferential according to the allocation proportion of trade company side and channel side, consumer, generating merchant side divides bill with channel side, and a point bill for the Pay Bill completed and generation is sent to payment acquirer, the collecting account that payment acquirer relates to point bill according to point bill that speedy clearance server provides in many ways is settled accounts.
The invention has the beneficial effects as follows; conveniently can implement scattered trade company side multi items, small-scale service or production marketing; collection service simultaneously or product introduction, payment primary line to complete; realize the speedy clearance of trade company side, channel side, consumer's on-line selling simultaneously; the dispute or trust crisis that adopt technological means to solve trade company side and channel side in sales process to bring due to capital or commission; greatly transfer the enthusiasm that channel side participates in selling, for consumer's net purchase provides a kind of new way of service or product introduction and consumption and payment easily and efficiently.
Describe the present invention below in conjunction with accompanying drawing
Accompanying drawing is FB(flow block) of the present invention.
Specific embodiments
A kind of means of communication of the on-line selling speedy clearance based on assignment loading, the method realizes by means of acquirer, trade company side, the communication contact set up between channel side (can in many ways) and consumer, in these means of communication, set up the sale speedy clearance server in many ways through acquirer certification, this in many ways speedy clearance server comprise: administration module and taxonomy database, in many ways speedy clearance server carries out assignment loading for the specific clearing event of trade company side, channel side and consumer's on-line selling, and the means of communication that speedy clearance pays are as follows:
(1), speedy clearance server sets the preferential and corresponding logical operation formula of the allocation proportion of trade company side and the channel side arranged in specific marketing balance event, consumer by administration module in many ways, the beginning and ending time of specific marketing balance, set authentication and the collecting account authorization information of trade company side and channel side simultaneously;
(2) trade company side is by after server terminal identity validation, service or the price of product, service content or product introduction, collecting account information are sent to speedy clearance server in many ways, and be stored in the taxonomy database of speedy clearance server in many ways, when occurring for each marketing balance event, administration module assignment loads and uses.
(3), channel side is by after server terminal identity validation, channel reef knot is calculated collecting account information, the service related to or product information and is sent to speedy clearance server in many ways, and be stored in the taxonomy database of speedy clearance server in many ways, when occurring for each marketing balance event, administration module assignment loads and uses.
(4), in many ways the assignment that speedy clearance server management module carries out specific marketing balance event according to the information in taxonomy database loads, generate with the allocation proportion according to the trade company side arranged in specific marketing balance event and channel side, the logical operation formula of the preferential ratio of consumer, calculate trade company side and channel side respective amount receivable in specific marketing balance event, the preferential amount of money of consumer and clearing the reckoning up the bill of total charge, this network of settling accounts payment channel with consumer of reckoning up the bill is connected and serves or the price of product, after service content or product introduction information are bound, generation includes the network connection of payment channel and the Quick Response Code of bound content or short message sending to channel side's server terminal.
The embodiment of the present invention adopts Quick Response Code or note electronic document format, and the e-file of other consumer's terminal readable format also can be adopted all can to realize the object of the invention.
, channel side by channel side's server terminal, the Quick Response Code with specific marketing balance event assignment (4) generated by obtaining step or note are sent to consumer by network marketing channel.
, consumer's obtaining step Quick Response Code (5) or note after accepting its service content or product, consumer
by Quick Response Code or notethe beginning and ending time whether meeting clearing is veritified through speedy clearance server in many ways, veritify by rear, in many ways speedy clearance server sends to payment acquirer the request of payment, after paying acquirer acceptance payment request, confirm after payment through consumer, payment acquirer completes consumer and pays receipts list.
(7), pay acquirer and the Pay Bill completed is sent to speedy clearance server in many ways, in many ways speedy clearance server is according to the Pay Bill that the completes logical operation formula preferential according to the allocation proportion of trade company side and channel side, consumer, generating merchant side divides bill with channel side, and a point bill for the Pay Bill completed and generation is sent to payment acquirer, the collecting account that payment acquirer relates to point bill according to point bill that speedy clearance server provides in many ways is settled accounts.
Channel side described in the embodiment of the present invention is A-N number of channel side composition.Namely channel side is in many ways, as multiple support channels side agency or the channel side dividing rank or regional agency.
Consumer described in the embodiment of the present invention is preferential is discount, return preferential mode that is existing or total mark of consumption.
Step described in the embodiment of the present invention (7) in, pay acquirer and complete after collecting account settles accounts, send income respectively to trade company side, channel side and consumer detailed and pay detailed.
Claims (4)
1. the means of communication of the on-line selling speedy clearance loaded based on assignment, the method realizes by means of acquirer, trade company side, the communication contact set up between channel side and consumer, it is characterized in that: in these means of communication, set up the speedy clearance of the sale in many ways server through acquirer certification, this in many ways speedy clearance server comprise: administration module and taxonomy database, in many ways speedy clearance server carries out assignment loading for the specific clearing event of trade company side, channel side and consumer's on-line selling, and the means of communication that speedy clearance pays are as follows:
(1), speedy clearance server sets the preferential and corresponding logical operation formula of the allocation proportion of trade company side and the channel side arranged in specific marketing balance event, consumer by administration module in many ways, the beginning and ending time of specific marketing balance, set authentication and the collecting account authorization information of trade company side and channel side simultaneously;
(2) trade company side is by after server terminal identity validation, and the price of service or product, service content or product introduction, collecting account information are sent to speedy clearance server in many ways, and are stored in the taxonomy database of speedy clearance server in many ways;
, channel side by after server terminal identity validation, channel reef knot is calculated collecting account information, the service related to or product information and is sent to speedy clearance server in many ways, and be stored in the taxonomy database of speedy clearance server in many ways;
(4), in many ways the assignment that speedy clearance server management module carries out specific marketing balance event loads, generate with the allocation proportion according to the trade company side arranged in specific marketing balance event and channel side, the logical operation formula of the preferential ratio of consumer, calculate trade company side and channel side respective amount receivable in specific marketing balance event, the preferential amount of money of consumer and clearing the reckoning up the bill of total charge, this network of settling accounts payment channel with consumer of reckoning up the bill is connected and serves or the price of product, after service content or product introduction information are bound, generation includes the network connection of payment channel and the Quick Response Code of bound content or short message sending to channel side's server terminal,
, channel side by channel side's server terminal, the Quick Response Code with specific marketing balance event assignment (4) generated by obtaining step or note are sent to consumer by network marketing channel;
, consumer's obtaining step Quick Response Code (5) or note after accepting its service content or product, consumer
by Quick Response Code or notethe beginning and ending time whether meeting clearing is veritified through speedy clearance server in many ways, veritify by rear, in many ways speedy clearance server sends to payment acquirer the request of payment, after paying acquirer acceptance payment request, confirm after payment through consumer, payment acquirer completes consumer and pays receipts list;
(7), pay acquirer and the Pay Bill completed is sent to speedy clearance server in many ways, in many ways speedy clearance server is according to the Pay Bill that the completes logical operation formula preferential according to the allocation proportion of trade company side and channel side, consumer, generating merchant side divides bill with channel side, and a point bill for the Pay Bill completed and generation is sent to payment acquirer, the collecting account that payment acquirer relates to point bill according to point bill that speedy clearance server provides in many ways is settled accounts.
2. the means of communication of a kind of on-line selling speedy clearance based on assignment loading according to claim 1, is characterized in that: described channel side is A-N number of channel side composition.
3. a kind of means of communication paid based on the on-line selling speedy clearance of assignment loading according to claim 1, is characterized in that: described consumer is preferential is discount, return preferential mode that is existing or total mark of consumption.
4. the means of communication of a kind of on-line selling speedy clearance based on assignment loading according to claim 1, it is characterized in that: described step (7) in, paying acquirer completes after collecting account settles accounts, and sends income detailed and pay detailed respectively to trade company side, channel side and consumer.
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| CN106327178A (en) * | 2016-08-30 | 2017-01-11 | 北京开心贝科技有限公司 | Payment system and method capable of achieving one-time payment of multiple accounts simultaneously |
| CN106447426A (en) * | 2016-09-08 | 2017-02-22 | 北京小度信息科技有限公司 | Method and apparatus for settling earning distribution |
| WO2017036006A1 (en) * | 2015-08-28 | 2017-03-09 | 深圳市前海康启源科技有限公司 | System and method for processing promotion of online-to-offline health service products |
| WO2017036005A1 (en) * | 2015-08-28 | 2017-03-09 | 深圳市前海康启源科技有限公司 | Channel promotion processing system and method for online-to-offline health service alliance |
| WO2017036010A1 (en) * | 2015-08-28 | 2017-03-09 | 深圳市前海康启源科技有限公司 | Processing system and method for allocating bonus from online-to-offline health service products |
| CN106529923A (en) * | 2016-11-15 | 2017-03-22 | 青岛优悠乐联信息有限公司 | Collection service method with access of all networks through one point |
| WO2017128686A1 (en) * | 2016-01-29 | 2017-08-03 | 上海新卡说信息技术有限公司 | Transaction clearing system and transaction clearance processing method |
| CN107330679A (en) * | 2017-05-26 | 2017-11-07 | 方勇 | A kind of automatic mahjong machine network payment management system and method |
| CN107480999A (en) * | 2017-07-27 | 2017-12-15 | 深圳市唯柚网络科技有限公司 | A kind of high in the clouds implementation method of polymorphic distribution chain |
| CN108171501A (en) * | 2017-12-27 | 2018-06-15 | 青岛农村商业银行股份有限公司 | A kind of market payment and settlement manages system |
| CN108197924A (en) * | 2018-01-22 | 2018-06-22 | 温州索易软件开发有限公司 | A kind of intelligent settlement system based on high-end consumption |
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| CN107330679A (en) * | 2017-05-26 | 2017-11-07 | 方勇 | A kind of automatic mahjong machine network payment management system and method |
| CN107480999A (en) * | 2017-07-27 | 2017-12-15 | 深圳市唯柚网络科技有限公司 | A kind of high in the clouds implementation method of polymorphic distribution chain |
| CN108171501A (en) * | 2017-12-27 | 2018-06-15 | 青岛农村商业银行股份有限公司 | A kind of market payment and settlement manages system |
| CN108197924A (en) * | 2018-01-22 | 2018-06-22 | 温州索易软件开发有限公司 | A kind of intelligent settlement system based on high-end consumption |
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