CN108090755A - Billing model defines method, data system for settling account and computer readable storage medium - Google Patents
Billing model defines method, data system for settling account and computer readable storage medium Download PDFInfo
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- CN108090755A CN108090755A CN201711369954.XA CN201711369954A CN108090755A CN 108090755 A CN108090755 A CN 108090755A CN 201711369954 A CN201711369954 A CN 201711369954A CN 108090755 A CN108090755 A CN 108090755A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention discloses a kind of billing models to define method, data system for settling account and computer readable storage medium, the described method comprises the following steps：Merchant information, clearance rule, type of service and charging regulation are obtained, using the merchant information of acquisition, clearance rule, type of service and charging regulation as parameter；Establish the mapping relations between parameters；According to the mapping relations of establishing between parameters, billing model is defined, subsequently to be cleared according to the billing model of definition to merchant transaction data.The present invention establishes billing model in data system for settling account by parameters information, to be cleared in the data system for settling account by the way that billing model is unified to merchant transaction data, realizes and is cleared on the line of all trade companies.
Description
Technical field
The present invention relates to financial fields more particularly to a kind of billing model to define method, data system for settling account and computer
Readable storage medium storing program for executing.
Background technology
With the development of the communication technology, the phenomenon that electronic transaction, is more and more common, and existing trade company settles accounts clearance mode, and one
As need first accessed from settlement center, provide transaction data by settlement center, and transaction data imported into third party charging
Carry out clearing clearance in system, but existing clearing clearance mode, it, can only since the charging regulation of part trade company is customization
Partial data is cleared, causes the clearance of part trade company can not be realized by line upper type, it is clear that existing clearance mode
Also there are larger limitations.
The content of the invention
It is a primary object of the present invention to provide a kind of billing model to define method, data system for settling account and computer-readable
Storage medium, it is intended to solve existing data clearance mode, the data clearance of all trade companies can not be met, clearance mode is caused to be deposited
Compared with big limitation the technical issues of.
To achieve the above object, the present invention provides a kind of billing model and defines method, described applied to data system for settling account
Billing model, which defines method, to be included：
Merchant information, clearance rule, type of service and charging regulation are obtained, by the merchant information of acquisition, clearance rule, industry
Service type and charging regulation are as parameter；
Establish the mapping relations between parameters；
According to the mapping relations of establishing between parameters, billing model is defined, so as to subsequently according to the charging mould of definition
Type clears merchant transaction data.
Optionally, the acquisition modes of the charging regulation include：
Receive the charging configuration information based on the input of charging element；
Determine the logical operation relation of charging scene；
The corresponding charging configuration information of charging element is subjected to logical process under each charging scene, to be converted to charging
Formula, using transformed charging formula as charging regulation.
Optionally, the charging element includes：Fail Transaction rate, benchmark mortality, benchmark transaction limit, Excess Rate,
Excess mortality, the excess amount of money, nontraffic sensitive, preceding N phases add up commission amount, association merchant transaction stroke count, the friendship of association trade company
The easy amount of money.
Optionally, the attribute information defined in the clearance rule includes：Clear cycle and balancing system model；
The balancing system model is included being cleared with transaction results and be cleared with business reconciliation result.
Optionally, it is described establish between parameters mapping relations the step of include：
The mapping relations between merchant information and clearance rule are established as the relation more than 1 pair；
The mapping relations between clearance rule and charging regulation are established as the relation more than 1 pair；
The mapping relations established between charging regulation and type of service are the relation of multi-to-multi；
The mapping relations established between type of service and merchant information are the relation of multi-to-multi.
Optionally, it is described after the step of mapping relations of establishing according between parameters, definition billing model
Method further includes：
When receiving data clearance instruction, merchant transaction data are obtained；
Identify the clearing transactions scope of data；
Based on the clearing transactions scope, the merchant transaction data for meeting the clearing transactions scope are obtained；
The merchant transaction data of acquisition are imported into the billing model of definition, to carry out data clearance.
Optionally, the billing model includes single billing model, centralized charging model and mixing billing model.
In addition, to achieve the above object, the present invention also provides a kind of data system for settling account, the data system for settling account includes
It processor, memory and is stored in the billing model that can be run on the memory and on the processor and defines program, institute
It states billing model and defines the step of billing model of realization as described above defines method when program is performed by the processor.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Billing model is stored on storage medium and defines program, the billing model defines program applied to data system for settling account, described
Billing model defines the step of billing model of realization as described above defines method when program is executed by processor.
Data liquidation method proposed by the present invention, applied to data system for settling account, first obtain merchant information, clearance rule,
Type of service and charging regulation, then using the merchant information of acquisition, clearance rule, type of service and charging regulation as parameter,
To establish the mapping relations between parameters, finally according to the mapping relations of establishing between parameters, billing model is defined,
Subsequently to be cleared according to the billing model of definition to merchant transaction data.The present invention passes through each in data system for settling account
Parameter information establishes billing model, to be carried out clearly to merchant transaction data in the data system for settling account by the way that billing model is unified
It calculates, realizes and cleared on the line of all trade companies.
Description of the drawings
Fig. 1 is the hardware architecture diagram of data system for settling account of the present invention；
Fig. 2 is the flow diagram that billing model of the present invention defines method first embodiment；
Fig. 3 is the composition schematic diagram of billing model in the present invention；
Mapping relations schematic diagrames of the Fig. 4 between charging element of the present invention and billing model；
Fig. 5 is the flow diagram that billing model of the present invention defines method second embodiment.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The solution of the embodiment of the present invention is mainly：First obtain merchant information, clearance rule, type of service and charging rule
Then, then using the merchant information of acquisition, clearance rule, type of service and charging regulation as parameter, with establish parameters it
Between mapping relations, finally according to the mapping relations of establishing between parameters, billing model is defined, so as to subsequently according to definition
Billing model merchant transaction data are cleared.In a manner of solving existing data and clear, all trade companies can not be met
Data are cleared, and clearance mode is caused to there are problems that compared with big limitation.
As shown in Figure 1, the structure of the data system for settling account for the hardware running environment that Fig. 1, which is the embodiment of the present invention, to be related to
Schematic diagram.
The data system for settling account of the embodiment of the present invention can be the tools such as PC, server, pocket computer or virtual machine facility
There is the equipment of display function.
As shown in Figure 1, the data system for settling account can include：Processor 1001, such as CPU, communication bus 1002, user
Interface 1003, network interface 1004, memory 1005.Wherein, communication bus 1002 is used to implement the connection between these components
Communication.User interface 1003 can include display screen (Display), input unit such as keyboard (Keyboard), optional user
Interface 1003 can also include wireline interface (such as connecting wired keyboard, wire mouse etc.), the wireless interface (example of standard
It is such as used to connect Wireless Keyboard, wireless mouse).Network interface 1004 can optionally include the wireline interface of standard (for connecting
Connect cable network), wireless interface (such as WI-FI interfaces, blue tooth interface, infrared interface, for connecting wireless network).Storage
Device 1005 can be high-speed RAM memory or the memory (non-volatile memory) of stabilization, such as disk
Memory.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
Optionally, equipment can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, audio
Circuit, WiFi module etc..
It will be understood by those skilled in the art that the data system for settling account structure shown in Fig. 1 not clear by structure paired data
The restriction of system can include either combining some components or different component cloth than illustrating more or fewer components
It puts.
As shown in Figure 1, as in a kind of memory 1005 of computer readable storage medium can include operating system, net
Network communication module, Subscriber Interface Module SIM and data liquidation procedure.Wherein, operating system is management and control data system for settling account
With the program of software resource, network communication module, Subscriber Interface Module SIM, data liquidation procedure and other programs or software are supported
Operation；Network communication module is used to managing and controlling network interface 1002；Subscriber Interface Module SIM is used to managing and controlling user
Interface 1003.
In data system for settling account shown in Fig. 1, the data system for settling account calls memory by processor 1001
The data liquidation procedure stored in 1005, to realize following steps：
Merchant information, clearance rule, type of service and charging regulation are obtained, by the merchant information of acquisition, clearance rule, industry
Service type and charging regulation are as parameter；
Establish the mapping relations between parameters；
According to the mapping relations of establishing between parameters, billing model is defined, so as to subsequently according to the charging mould of definition
Type clears merchant transaction data.
Further, the data system for settling account calls the data stored in memory 1005 to clear by processor 1001
Program, to realize the obtaining step of charging regulation：
Receive the charging configuration information based on the input of charging element；
Determine the logical operation relation of charging scene；
The corresponding charging configuration information of charging element is subjected to logical process under each charging scene, to be converted to charging
Formula, using transformed charging formula as charging regulation.
Further, the charging element includes：Fail Transaction rate, benchmark mortality, benchmark transaction limit, excess take
Rate, excess mortality, the excess amount of money, nontraffic sensitive, preceding N phases add up commission amount, association merchant transaction stroke count, association trade company
Transaction amount.
Further, the attribute information defined in the clearance rule includes：Clear cycle and balancing system model；
The balancing system model is included being cleared with transaction results and be cleared with business reconciliation result.
Further, the data system for settling account calls the data stored in memory 1005 to clear by processor 1001
Program, to realize the step of establishing the mapping relations between parameters：
The mapping relations between merchant information and clearance rule are established as the relation more than 1 pair；
The mapping relations between clearance rule and charging regulation are established as the relation more than 1 pair；
The mapping relations established between charging regulation and type of service are the relation of multi-to-multi；
The mapping relations established between type of service and merchant information are the relation of multi-to-multi.
Further, after the step of mapping relations of establishing according between parameters, definition billing model, institute
It states data system for settling account and the data liquidation procedure stored in memory 1005 is called by processor 1001, to realize following step
Suddenly：
When receiving data clearance instruction, merchant transaction data are obtained；
Identify the clearing transactions scope of data；
Based on the clearing transactions scope, the merchant transaction data for meeting the clearing transactions scope are obtained；
The merchant transaction data of acquisition are imported into the billing model of definition, to carry out data clearance.
Further, the billing model includes single billing model, centralized charging model and mixing billing model.
The technical solution that the present embodiment proposes, processor 1001 call the data liquidation procedure stored in memory 1005,
To realize step：Merchant information, clearance rule, type of service and charging regulation are first obtained, then by the merchant information of acquisition, clear
Rule, type of service and charging regulation are calculated as parameter, to establish the mapping relations between parameters, finally according to each ginseng
Establish mapping relations between number, define billing model, so as to subsequently according to the billing model of definition to merchant transaction data into
Row clearance.The present invention establishes billing model in data system for settling account by parameters information, in the data system for settling account
Merchant transaction data are cleared by the way that billing model is unified, realizes and is cleared on the line of all trade companies.
Based on the hardware configuration of above-mentioned data system for settling account, propose that billing model of the present invention defines each embodiment of method.
With reference to Fig. 2, Fig. 2 is the flow diagram that billing model of the present invention defines method first embodiment.
In the present embodiment, the billing model defines method applied to data system for settling account, the billing model definition
Method comprises the following steps：
Step S10 obtains merchant information, clearance rule, type of service and charging regulation, by the merchant information of acquisition, clearly
Rule, type of service and charging regulation are calculated as parameter；
Step S20 establishes the mapping relations between parameters；
Step S30 according to the mapping relations of establishing between parameters, defines billing model, so as to subsequently according to definition
Billing model merchant transaction data are cleared.
In the present embodiment, data system for settling account is set, and the data system for settling account is chosen as the data clearance described in Fig. 1
System, the data system for settling account are used to clear the transaction data of all trade companies.
Before being cleared by the billing model of the data system for settling account to merchant transaction data, first to the friendship of trade company
Easy data creation statement, specifically, comprises the following steps：
Step a, advice of settlement life cycle is determined；
Step b, according to advice of settlement life cycle, to merchant transaction data creation advice of settlement.
Wherein, the corresponding duration of advice of settlement life cycle does not limit, and sets according to actual needs, such as is arranged to 1 day.
After definite advice of settlement life cycle, the transaction data of trade company is grouped according to advice of settlement life cycle, to be tied
List is calculated, i.e., every group is an advice of settlement.Trade company's advice of settlement information includes：
1 trade company's advice of settlement information table of table
After advice of settlement is created that, the transaction data of all kinds of trade companies is carried out by the billing model of data system for settling account
Clearance, is that each step that billing model defines is done step-by-step in the present embodiment below：
Step S10 obtains merchant information, clearance rule, type of service and charging regulation, by the merchant information of acquisition, clearly
Rule, type of service and charging regulation are calculated as parameter；
In the present embodiment, the parameters letters such as merchant information, clearance rule, type of service and charging regulation are first obtained
Breath.In the present embodiment, the clearance rule refers to the rule cleared to the amount of money of transaction data, wherein, the clearance
Attribute information defined in rule includes：Clear cycle and balancing system model；
The balancing system model is included being cleared with transaction results and be cleared with business reconciliation result.
The charging regulation refers to the rule that charging is carried out to the amount of money of transaction data, which includes every category
Property information, specifically：
The attribute list of 2 charging regulation of table
It should be noted that in the present embodiment, the acquisition modes of the charging regulation include：
Receive the charging configuration information based on the input of charging element；
Determine the logical operation relation of charging scene；
The corresponding charging configuration information of charging element is subjected to logical process under each charging scene, to be converted to charging
Formula, using transformed charging formula as charging regulation.
That is, user is first received in the configuration interface of data system for settling account and matches somebody with somebody confidence for the charging of charging element input
Breath, it is then determined that each charging scene set in advance, each charging scene is corresponded to there are one logical operation relation, is being received
After charging configuration information, the corresponding charging configuration information of charging element is subjected to logical process under each charging scene, with
Charging formula is converted to, using transformed charging formula as charging regulation.
Wherein, type of service includes：
3 type of service attribute list of table
Wherein, trade company includes external merchant list information, for registering with city merchant list, in the external merchant list
Comprising attribute list it is as follows：
The attribute list of 4 outside merchant information of table
External merchant business the encoding list：
5 outside merchant business the encoding list of table
Advice of settlement information is consistent, and advice of settlement charging regulation information also remains unchanged, and parameters are obtained by above-mentioned
Afterwards, billing model is built according to the parameters of acquisition.
Step S20 establishes the mapping relations between parameters；
Step S30 according to the mapping relations of establishing between parameters, defines billing model, so as to subsequently according to definition
Billing model merchant transaction data are cleared.
In the present embodiment, with reference to Fig. 3：The mapping relations between parameters are established, according to reflecting between parameters
Relation is penetrated, builds billing model.In the present embodiment, the mapping relations between trade company and clearance rule are established, the optional mapping is closed
It is for more than 1 pair, i.e. a trade company is mapped with multiple clearance rules；The mapping relations between clearance rule and charging regulation are established,
The optional mapping relations are more than 1 pair, i.e., one clearance rule is mapped with multiple charging regulations；Establish charging regulation and type of service
Between mapping relations, the optional mapping relations be multi-to-multi, i.e., each type of service map respectively there are one charging regulation；
The mapping relations between type of service and trade company are established, the optional mapping relations are multi-to-multi, i.e. each trade company maps respectively
There are one types of service.Pass through above-mentioned processing mode, you can construct billing model.After billing model is defined, subsequently
The data that trade company can be carried out according to the billing model are cleared.
In the present embodiment, corresponding charging element is as follows in optional billing model：
The definition table of 6 charging element of table
In the present embodiment, Fail Transaction rate, benchmark mortality, benchmark transaction limit, Excess Rate, excess mortality,
The excess amount of money, nontraffic sensitive, preceding N phases add up commission amount, association merchant transaction stroke count, the association merchant transaction amount of money and formality
Each charging elements such as expense are the newly added charging elements of weight, that is to say, that only include single in existing charging element
The amount of money, since existing charging element is only comprising several, causes most of trade company to be handed over to every charging element such as total service charge
Easy data all can not increase items charging element newly, it can be achieved that all merchant transactions by being settled accounts on line, therefore, in the present embodiment
It is settled accounts on the line of data.
In the present embodiment, the charging algorithm model includes single billing model, centralized charging model and mixing charging mould
Type, with reference to Fig. 4, the charging element of the single billing model mapping includes：The single amount of money, single service charge, clearing issue and
Transaction sequence number；The charging element of the centralized charging model mapping includes：Total amount, total stroke count, clearing issue and total service charge；
The charging element of mixing billing model mapping includes but not limited to：The single amount of money, single service charge, total amount, total stroke count, clearing
Issue, transaction sequence number and total service charge.And after newly-increased charging element is got, establish newly-increased charging element and charging
Mapping relations between model, to update the billing model, wherein, newly-increased charging element is as described in Table 6, and newly-increased charging will
Mapping relations between element and billing model, can set, be not repeated herein so that different billing models according to actual needs
No charging element can be mapped with.
In the present embodiment, single billing model refers to according to transaction record, and every friendship is calculated according to charging formula by pen
Easy amount of settlement or service charge after the completion for the treatment of that all transaction calculates, summarize single amount of settlement or service charge, draw final clear
The amount of money is calculated, which supports the calculating of all single class charging elements, the ladder being included in single charging element
Charging.
Centralized charging model：First according to the charging element of charging formula, the value of each centralized charging element is calculated, is then pressed
Settlement amounts or service charge are calculated according to charging formula, until summarizing all class charging elements, which includes
Summarize the ladder charging of class charging element.
Mix billing model：First the charging element in charging formula, charging go out respectively to summarize the value of class charging element, so
Go out the calculating amount of money or service charge of every transaction according to charging formula charging by pen afterwards, after the completion for the treatment of that all transaction calculates, converge
Total single settlement amounts or service charge, draw final settlement amounts, which supports current whole charging elements
It calculates, including ladder charging.
After billing model is defined, the billing model of definition is stored, so as to subsequently according to the charging mould of definition
Type clears merchant transaction data.
The billing model that the present embodiment proposes defines method, first obtains merchant information, clearance rule, type of service and charging
Rule, then using the merchant information of acquisition, clearance rule, type of service and charging regulation as parameter, to establish parameters
Between mapping relations, finally according to the mapping relations of establishing between parameters, billing model is defined, so as to follow-up according to fixed
The billing model of justice clears merchant transaction data.The present invention is established by parameters information in data system for settling account and counted
Take model, to be cleared in the data system for settling account by the way that billing model is unified to merchant transaction data, realize all
It is cleared on the line of trade company.
Further, the second embodiment of billing model update method of the present invention is proposed based on first embodiment.
The second embodiment of billing model update method and the first embodiment of billing model update method difference lies in,
After reference Fig. 5, the step S30, the described method includes：
Step S40 when receiving data clearance instruction, obtains merchant transaction data；
Step S50 identifies the clearing transactions scope of data；
Step S60 based on the clearing transactions scope, obtains the merchant transaction data for meeting the clearing transactions scope；
The merchant transaction data of acquisition are imported into newer billing model by step S70, to carry out data clearance.
In the present embodiment, the embodiment of the step S40 includes：
1) mode one, the acquisition merchant transaction data from the data system for settling account；
In present embodiment, the merchant transaction data generated can be locally obtained from data system for settling account.
2) mode two or, obtain from external file import merchant transaction data.
In the present embodiment, merchant transaction data can be imported from external system to the data system for settling account, it is clear by data
Calculation system obtains the merchant transaction data, and external system can be settlement system, can be external file etc..Specifically, institute
The step of stating " obtaining the merchant transaction data imported from external file " includes：
Step c receives the merchant transaction data that external file imports；
Step d converts the merchant transaction data of reception according to default clearance data model；
Step e obtains transformed merchant transaction data.
That is, data system for settling account receives the merchant transaction data that external file imports, the trade company imported due to external file
Transaction data is different from the data format in data system for settling account, therefore, first to the merchant transaction data that receive according to default
Clearance data model converted, then obtain transformed merchant transaction data.
After merchant transaction data are got, clearing transactions scope is identified, in the present embodiment, wrapped in clearing transactions scope
Containing each feature, each feature is respectively transaction identification scope, stateful transaction, transaction results code, transaction business code etc..
Determining that clearing transactions scope and then acquisition meet the merchant transaction data of the clearing transactions scope, tool
Body, the step S60 includes：
Step f determines each feature in the clearing transactions scope, wherein, each feature include transaction identification scope,
Stateful transaction, transaction results code, transaction business code；
Step g, according to each Feature Selection merchant transaction data, to select to meet the merchant transaction data of each feature.
That is, after each feature in determining clearing transactions scope, each feature in clearing transactions scope is determined,
In, each feature includes transaction identification scope, stateful transaction, transaction results code, transaction business code, is then sieved according to each feature
Merchant transaction data are selected, the merchant transaction data of each feature are met with selection.
In the present embodiment, in order to meet the clearance charging of " account verification class transaction charging " class transaction, for verifying class
Transaction identifies, for the transaction of non-authentication class as follows according to " being verified ", " verification does not pass through ", " verification time-out "
Identification：
Transaction results are subject to, according to " returning to merchant transaction state " (success, eminently successful, failure, abnormal failure) choosing
Select trading range.Wherein, successfully comprising eminently successful, unsuccessfully comprising abnormal failure.(it should be noted that traditional clearance knot
Calculation mode when returning to merchant transaction state as sky, then removes stateful transaction).
Reconciliation result is subject to, according to " reconciliation state " (success, failure) selection trading range.(it should be noted that passing
The clearance clearing form of system need to confirm the influence for adjusting account state to reconciliation state).
In the present embodiment, by the identification to clearing transactions scope, the class of all kinds of trade company's alternate datas can be correctly identified
Type, it is therefore prevented that the omission of merchant data improves the accuracy of merchant transaction data identification.
After the corresponding merchant transaction data of each feature for meeting clearing transactions scope are filtered out, the business that will filter out
Family transaction data is imported into the billing model pre-established, to carry out data clearance in the billing model.Specifically, it is described
Step S70 includes：
The merchant transaction data of acquisition are imported into the billing model pre-established by step h；
Step i, each charging element in billing model carry out data clearance to merchant transaction data.
In the present embodiment, after filtering out merchant transaction data, merchant transaction data are imported into the charging mould of definition
In type, merchant transaction data are imported into the billing model pre-established by billing model that the billing model is established above
Afterwards, each charging element in billing model carries out data clearance to merchant transaction data.
In the present embodiment, the merchant transaction data of acquisition are imported into after the billing model of definition, you can realization pair
The data clearance of merchant transaction data.
The present invention further provides a kind of computer readable storage mediums.
Billing model is stored on the computer readable storage medium and defines program, the billing model defines program quilt
Processor realizes the step of billing model described above defines method when performing.
Computer readable storage medium specific embodiment of the present invention defines each embodiment base of method with above-mentioned billing model
This is identical, and details are not described herein.
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row
His property includes, so that process, method, article or device including a series of elements not only include those elements, and
And it further includes the other elements being not explicitly listed or further includes as this process, method, article or device institute inherently
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this
Also there are other identical elements in the process of element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme substantially in other words does the prior art
Going out the part of contribution can be embodied in the form of software product, which is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), used including some instructions so that a station terminal equipment (can be mobile phone, computer takes
Be engaged in device, air conditioner or the network equipment etc.) perform method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow shift that bright specification and accompanying drawing content are made directly or indirectly is used in other relevant skills
Art field, is included within the scope of the present invention.
Claims (9)
1. a kind of billing model defines method, which is characterized in that applied to data system for settling account, the billing model defines method
Including：
Merchant information, clearance rule, type of service and charging regulation are obtained, by the merchant information of acquisition, clearance rule, service class
Type and charging regulation are as parameter；
Establish the mapping relations between parameters；
According to the mapping relations of establishing between parameters, billing model is defined, so as to subsequently according to the billing model pair of definition
Merchant transaction data are cleared.
2. billing model as described in claim 1 defines method, which is characterized in that the acquisition modes bag of the charging regulation
It includes：
Receive the charging configuration information based on the input of charging element；
Determine the logical operation relation of charging scene；
The corresponding charging configuration information of charging element is subjected to logical process under each charging scene, to be converted to charging public affairs
Formula, using transformed charging formula as charging regulation.
3. billing model as claimed in claim 2 defines method, which is characterized in that the charging element includes：Fail Transaction
Rate, benchmark mortality, benchmark transaction limit, Excess Rate, excess mortality, the excess amount of money, nontraffic sensitive, preceding N phases add up hand
Continue to pay dues the amount of money, association merchant transaction stroke count, the association merchant transaction amount of money.
4. billing model as described in claim 1 defines method, which is characterized in that the attribute letter defined in the clearance rule
Breath includes：Clear cycle and balancing system model；
The balancing system model is included being cleared with transaction results and be cleared with business reconciliation result.
5. billing model as described in claim 1 defines method, which is characterized in that the mapping established between parameters
The step of relation, includes：
The mapping relations between merchant information and clearance rule are established as the relation more than 1 pair；
The mapping relations between clearance rule and charging regulation are established as the relation more than 1 pair；
The mapping relations established between charging regulation and type of service are the relation of multi-to-multi；
The mapping relations established between type of service and merchant information are the relation of multi-to-multi.
6. billing model as described in claim 1 defines method, which is characterized in that the foundation according between parameters
After the step of mapping relations, definition billing model, the method further includes：
When receiving data clearance instruction, merchant transaction data are obtained；
Identify the clearing transactions scope of data；
Based on the clearing transactions scope, the merchant transaction data for meeting the clearing transactions scope are obtained；
The merchant transaction data of acquisition are imported into the billing model of definition, to carry out data clearance.
7. as claim 1-6 any one of them billing models define method, which is characterized in that the billing model includes single
Billing model, centralized charging model and mixing billing model.
8. a kind of data system for settling account, which is characterized in that the data system for settling account includes processor, memory and is stored in institute
The billing model that stating can run on memory and on the processor defines program, and it is described that the billing model defines program
The step of billing model as any one of claim 1 to 7 defines method is realized when processor performs.
9. a kind of computer readable storage medium, which is characterized in that charging mould is stored on the computer readable storage medium
Type defines program, and the billing model, which defines, realizes meter as described in any one of claim 1 to 7 when program is executed by processor
The step of expense model defines method.
Priority Applications (1)
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| CN109377368A (en) * | 2018-11-02 | 2019-02-22 | 深圳市快付通金融网络科技服务有限公司 | Sequence liquidation method, device, computer equipment and storage medium under distributed environment |
| CN109409821A (en) * | 2018-09-21 | 2019-03-01 | 中国联合网络通信集团有限公司 | Liquidation method, device and equipment |
| CN109508971A (en) * | 2018-11-27 | 2019-03-22 | 北京煜邦电力技术股份有限公司 | A kind of electricity charge calculation method, apparatus, equipment and storage medium |
| CN109584068A (en) * | 2018-11-02 | 2019-04-05 | 深圳市快付通金融网络科技服务有限公司 | A kind of distribution of funds formula liquidation method, apparatus and system |
| CN109636611A (en) * | 2018-10-19 | 2019-04-16 | 深圳平安财富宝投资咨询有限公司 | Clear acquisition methods, server, storage medium and the device of configuration information |
| CN109670943A (en) * | 2018-12-17 | 2019-04-23 | 深圳乐信软件技术有限公司 | A kind of settlement system, method, computer equipment and storage medium |
| CN109670949A (en) * | 2018-09-27 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Exchange settlement method, apparatus, equipment and storage medium |
| CN109741174A (en) * | 2018-12-27 | 2019-05-10 | 深圳前海微众银行股份有限公司 | Inter-agency settle accounts calculation method, apparatus, equipment and computer readable storage medium |
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| CN109978690A (en) * | 2019-03-21 | 2019-07-05 | 深圳壹账通智能科技有限公司 | The dynamic adjusting method and relevant device of formality rate based on big data |
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| CN110675216A (en) * | 2019-09-03 | 2020-01-10 | 阿里巴巴集团控股有限公司 | Bill data generation method and device |
| CN110827025A (en) * | 2019-10-15 | 2020-02-21 | 海南新软软件有限公司 | Asset clearing method and system |
| CN111199464A (en) * | 2019-12-02 | 2020-05-26 | 泰康保险集团股份有限公司 | Receipt data processing system, receipt data processing method, device, and medium |
| CN112116469A (en) * | 2020-06-28 | 2020-12-22 | 上海金融期货信息技术有限公司 | Memory-based multi-exchange full-service clearing system and method |
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| CN109409821A (en) * | 2018-09-21 | 2019-03-01 | 中国联合网络通信集团有限公司 | Liquidation method, device and equipment |
| CN109670949A (en) * | 2018-09-27 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Exchange settlement method, apparatus, equipment and storage medium |
| CN109636611A (en) * | 2018-10-19 | 2019-04-16 | 深圳平安财富宝投资咨询有限公司 | Clear acquisition methods, server, storage medium and the device of configuration information |
| CN109377368A (en) * | 2018-11-02 | 2019-02-22 | 深圳市快付通金融网络科技服务有限公司 | Sequence liquidation method, device, computer equipment and storage medium under distributed environment |
| CN109584068A (en) * | 2018-11-02 | 2019-04-05 | 深圳市快付通金融网络科技服务有限公司 | A kind of distribution of funds formula liquidation method, apparatus and system |
| CN109508971A (en) * | 2018-11-27 | 2019-03-22 | 北京煜邦电力技术股份有限公司 | A kind of electricity charge calculation method, apparatus, equipment and storage medium |
| CN110009173B (en) * | 2018-12-11 | 2023-04-18 | 创新先进技术有限公司 | Business rule processing method and device |
| CN110009173A (en) * | 2018-12-11 | 2019-07-12 | 阿里巴巴集团控股有限公司 | Business rule processing method and processing device |
| CN109787781A (en) * | 2018-12-17 | 2019-05-21 | 深圳壹账通智能科技有限公司 | Online charging method, apparatus, computer equipment and storage medium |
| CN109670943A (en) * | 2018-12-17 | 2019-04-23 | 深圳乐信软件技术有限公司 | A kind of settlement system, method, computer equipment and storage medium |
| CN109741174A (en) * | 2018-12-27 | 2019-05-10 | 深圳前海微众银行股份有限公司 | Inter-agency settle accounts calculation method, apparatus, equipment and computer readable storage medium |
| CN109978690A (en) * | 2019-03-21 | 2019-07-05 | 深圳壹账通智能科技有限公司 | The dynamic adjusting method and relevant device of formality rate based on big data |
| CN110675216A (en) * | 2019-09-03 | 2020-01-10 | 阿里巴巴集团控股有限公司 | Bill data generation method and device |
| CN110827025A (en) * | 2019-10-15 | 2020-02-21 | 海南新软软件有限公司 | Asset clearing method and system |
| CN111199464A (en) * | 2019-12-02 | 2020-05-26 | 泰康保险集团股份有限公司 | Receipt data processing system, receipt data processing method, device, and medium |
| CN111199464B (en) * | 2019-12-02 | 2023-06-30 | 泰康保险集团股份有限公司 | Processing system of collection data, processing method, device and medium of collection data |
| CN112116469A (en) * | 2020-06-28 | 2020-12-22 | 上海金融期货信息技术有限公司 | Memory-based multi-exchange full-service clearing system and method |
| WO2022041834A1 (en) * | 2020-08-28 | 2022-03-03 | 中国银联股份有限公司 | Transaction data processing method and apparatus |
| CN113888054A (en) * | 2021-11-11 | 2022-01-04 | 北京中兵智航软件技术有限公司 | Business model construction method and device, storage medium and processor |
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