CN108346039B - Service processing method, device and equipment of Internet financial settlement system - Google Patents
Service processing method, device and equipment of Internet financial settlement system Download PDFInfo
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- 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
- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
Abstract
The embodiment of the specification discloses a service processing method, a device and equipment of an internet financial settlement system. The scheme comprises the following steps: the settlement system obtains the bill running water, settles for the merchant according to the bill running water to generate a merchant bill, realizes payment for the merchant by matching with an external financial system according to the merchant bill, synchronizes the settlement related data to the data platform so that the data platform generates the merchant statement and provides the merchant statement for the financial system, so that the data platform does not need to sense complex business logics such as a merchant protocol for settlement and the like, and the framework is simplified.
Description
Technical Field
The present disclosure relates to the field of computer software technologies, and in particular, to a method, an apparatus, and a device for processing services in an internet financial settlement system.
Background
With the rapid development of computer technology and internet technology, some internet companies are also involved in the financial field to expand internet financial services, which brings convenience to users.
The e-commerce related third party payment service is one of the internet financial services which are widely applied at present. The merchant and the user carry out transaction based on the e-commerce platform, and payment and settlement of the transaction are realized based on the third-party payment platform.
In the prior art, during settlement, a data platform in a third-party payment platform needs to undertake settlement service logic, process complex merchant settlement logic calculation, and have a complex architecture.
Based on this, a more reliable internet financial settlement scheme is required.
Disclosure of Invention
The embodiment of the specification provides a service processing method, a device and equipment of an internet financial settlement system, which are used for solving the following technical problems: a more reliable internet financial settlement scheme is required.
In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:
the service processing method of the internet financial settlement system provided by the embodiment of the specification comprises the following steps:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
according to the merchant bill, the external financial system is matched to realize the payment making for the merchant;
synchronizing settlement-related data to a data platform to facilitate the data platform in generating and providing merchant statements to the external financial system.
Another service processing method of an internet financial settlement system provided in an embodiment of the present specification includes:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
and sending the merchant bill to a data platform so as to facilitate the data platform to be matched with an external financial system to realize the payment of the merchant.
An embodiment of the present specification provides a service processing apparatus of an internet financial settlement system, including:
the acquisition module acquires a bill flow;
the settlement module is used for settling the merchant according to the bill running water to generate a merchant bill;
the money printing module is matched with an external financial system to print money for the merchant according to the merchant bill;
and the synchronization module synchronizes the settlement related data to the data platform so that the data platform generates a merchant statement and provides the merchant statement to the external financial system.
Another service processing apparatus of an internet financial settlement system provided in an embodiment of the present specification, includes:
the acquisition module acquires a bill flow;
the settlement module is used for settling the merchant according to the bill running water to generate a merchant bill;
and the sending module is used for sending the merchant bill to a data platform so as to facilitate the data platform to be matched with an external financial system to realize the payment of the merchant.
The embodiment of this specification provides a business processing device of internet financial settlement system, includes:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to cause the at least one processor to:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
according to the merchant bill, matching with an external financial system to realize the payment making for the merchant;
synchronizing settlement-related data to a data platform to facilitate the data platform in generating and providing merchant statements to the external financial system.
Another service processing device of an internet financial settlement system provided in an embodiment of the present specification includes:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
and sending the merchant bill to a data platform so as to facilitate the data platform to be matched with an external financial system to realize the payment of the merchant.
The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects: the settlement system can bear settlement business logic as much as possible, and the data platform does not need to sense complex business logic such as merchant protocol for settlement, thereby being beneficial to simplifying the architecture and improving the reliability of internet financial settlement.
Drawings
In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.
Fig. 1 is a schematic diagram of an overall architecture involved in a practical application scenario of the solution of the present specification;
fig. 2 is a schematic flowchart of a business processing method of an internet financial settlement system according to an embodiment of the present disclosure;
FIG. 3 is a detailed architecture diagram of a problematic settlement service;
fig. 4 is a schematic diagram of a detailed architecture corresponding to the service processing method in fig. 2 according to an embodiment of the present disclosure;
fig. 5 is a schematic flowchart of another business processing method of an internet financial settlement system according to an embodiment of the present disclosure;
fig. 6 is a schematic diagram of a detailed architecture corresponding to the service processing method in fig. 5 according to an embodiment of the present disclosure;
fig. 7 is a schematic structural diagram of a service processing device of an internet financial settlement system corresponding to fig. 2, provided in an embodiment of the present disclosure;
fig. 8 is a schematic structural diagram of a service processing device of an internet financial settlement system corresponding to fig. 5 according to an embodiment of the present disclosure.
Detailed Description
The embodiment of the specification provides a service processing method, a device and equipment of an internet financial settlement system.
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any inventive step based on the embodiments of the present disclosure, shall fall within the scope of protection of the present application.
Fig. 1 is a schematic diagram of an overall architecture related to the solution of the present specification in a practical application scenario. In the overall architecture, four parts are mainly involved: the system comprises a settlement system, a real-time data platform, an off-line data platform and an external financial system; the first three parts belong to companies with internet financial services such as third-party payment companies, and the fourth part belongs to financial institutions such as banks. Generally, the four parts are in different devices, respectively.
The settlement service logic is mainly born by a settlement system, and the settlement system can synchronously settle related data to the data platform; the real-time data platform can provide an instant query function based on the synchronized data; the offline data platform can collect the synchronized data to generate a merchant statement and provide the merchant statement to an external financial system; and the external financial system pays the merchant according to the instruction sent after settlement by the settlement system.
It should be noted that the overall architecture is exemplary and not exclusive, for example, a real-time data platform and an offline data platform may be integrated into one data platform, and the like. The overall architecture works in an exemplary, non-exclusive manner, e.g., an off-line data platform may also direct an external financial system to make a payment, etc.
The following describes the embodiments of the present specification in detail, mainly based on the architecture in fig. 1.
Fig. 2 is a schematic flowchart of a service processing method of an internet financial settlement system according to an embodiment of the present disclosure, and an execution subject is the internet financial settlement system. The flow in fig. 2 may include the following steps:
s202: and acquiring a bill flow.
In the embodiment of the present specification, when a user consumes at a merchant, a bill flow is generated, generally, each consumption corresponds to one bill flow, and the bill flow records information such as a consumption amount, consumption time, a merchant identifier, a user identifier, and the like. The bill flow can be obtained from the corresponding transaction system, and the obtaining mode can be real-time and one-by-one obtaining, or can be periodically and in batches, and the like.
S204: and settling the merchant according to the bill running water to generate the merchant bill.
In the embodiment of the present specification, the settlement may be performed according to a policy agreed by the merchant and the platform in advance, and may support real-time settlement, settlement by money, settlement for T + N days, and the like. The real-time settlement means that the settlement system settles the fund to the merchant in real time after the user succeeds in consumption and payment. Settlement according to money refers to that when the amount of money to be settled of a merchant exceeds a preset minimum settlement amount, a settlement system settles the money to the merchant. The settlement for T + N days means that the user consumes and pays successfully on the Tth day, and the settlement system settles the fund to the merchant on the Nth day after the Tth day.
The merchant bill may be obtained from one or more of the bills in a running summary, and the merchant bill reflects how much money needs to be paid to which merchants. The merchant bill may also include information on the settlement policy to be used.
S206: and according to the merchant bill, matching with an external financial system to realize the payment making for the merchant.
In the embodiments of the present specification, generally, an external financial system is capable of actually operating funds. In this case, a payment order is issued by the settlement system to the external financial system according to the merchant bill, and the external financial system makes a payment to the merchant in response to the order. Or, the external financial system may grant a certain fund operation authority to the settlement system, and the settlement system makes a payment to the merchant based on the fund operation authority.
In addition, if payment and settlement use virtual currency instead of bank-issued currency, the settlement system may make settlement payments independent of an external financial system, or the external financial system may perform only auxiliary actions such as supervision, verification, etc., instead of payment actions, during the settlement payments.
S208: synchronizing settlement-related data to a data platform to facilitate the data platform in generating and providing merchant statements to the external financial system.
In this embodiment of the present specification, the settlement related data at least includes a settlement result, and may further include a corresponding bill flow, and after the settlement is completed, the settlement related data may be returned to the data platform for storage, so as to be invoked, for example, for generating a merchant statement, for internal verification, and the like. The data platform may also provide settlement-related data to the user and/or merchant query, e.g., from which the user can query his/her consumption records, etc.
In this specification embodiment, the data platform may also provide merchant statements to the merchant for viewing or downloading.
Through the method of FIG. 2, the settlement system can bear settlement business logic as much as possible, and the data platform does not need to sense complex business logic such as merchant protocol for settlement, thereby facilitating the simplification of the architecture and improving the reliability of internet financial settlement. Moreover, decoupling of the data platform from the settlement service is beneficial to achieving more flexible settlement policy configuration.
Based on the method of fig. 2, the present specification also provides some specific embodiments of the method, and further provides the following descriptions.
In embodiments of the present description, the data platforms may include an offline data platform and a real-time data platform. The real-time data platform is responsible for relatively high real-time work, such as providing users and/or merchants with instant query functions of settlement-related data. The offline data platform may be responsible for tasks with relatively low real-time requirements, such as settlement-related data summarization, non-real-time business interaction with external financial systems, and the like.
For example, for step S208, the synchronizing the settlement-related data to a data platform so that the data platform generates a merchant statement and provides the merchant statement to the external financial system may specifically include: synchronizing settlement-related data to an offline data platform to facilitate the offline data platform in generating and providing merchant statements to the external financial system.
In this embodiment, in order to facilitate instant query by a user and/or a merchant, the real-time data platform may synchronize settlement related data from the settlement system in real time for query. In addition, if the settlement is not performed in real time, the implementation data platform can synchronize the bill flow in real time from the transaction system or the settlement system for inquiry.
Further, real-time settlement is often more desirable for merchants, so that funds can be taken more quickly. The scheme of the specification supports real-time settlement, can well meet the requirements of merchants and improves settlement efficiency. For step S204, the settling for the merchant according to the billing streamline may include: and carrying out real-time settlement for the commercial tenant according to the bill running water. More specifically, for example, each time a transaction is generated by the transaction system, the accounting system may mark the running bill of the transaction in real time and account in real time.
Of course, if a settlement policy that affects real-time performance, such as a settlement period or a minimum settlement amount, is defined, settlement may be performed in time in compliance with the policy.
In this embodiment of the present specification, for step S206, the making a payment for the merchant according to the merchant bill in cooperation with an external financial system may specifically include: generating the money making information according to the merchant bill; sending the money making information to an external financial system so that the external financial system makes money for the merchant; and receiving the receipt information correspondingly returned by the external financial system. The money printing information and the receipt information may be in a message form, a file form, or other forms, and the application is not particularly limited.
More intuitively, the embodiment of the present specification further provides a detailed architecture diagram of the service processing method of fig. 2, and a detailed architecture diagram of a settlement service that is problematic by way of comparison.
Fig. 3 is a detailed architecture diagram of the settlement service. In fig. 3, the offline data platform assumes settlement service logic, needs to process complex merchant settlement logic calculation, and needs to perform relatively complex interaction with the upstream and downstream systems, resulting in increased architecture complexity. The data of the real-time data platform is obtained by offline write-back of an offline data platform by using an offline data synchronization tool such as DataX, and the money-making file and the receipt file are interacted between the external financial system and the offline data platform in a file transmission mode, so that the offline data platform is heavy in burden and difficult to check, and the data safety is not facilitated.
Fig. 4 is a detailed architecture diagram of the service processing method of fig. 2. In fig. 4, the settlement system executes the service processing method in fig. 2, and assumes settlement service logic as much as possible, and the offline data platform only needs to be responsible for accessing the settlement result and outputting the statement of the merchant, which is beneficial to simplifying the architecture and reducing the burden and risk of the offline data platform. The real-time data platform can directly and synchronously settle related data from the settlement system in real time, and the settlement system and an external money system directly carry out interaction of money making information and receipt information, so that the verification is facilitated, and the real-time performance and the safety of the data are improved.
Based on the same idea, an embodiment of the present specification further provides a schematic flow diagram of another service processing method of an internet financial settlement system, and as shown in fig. 5, an execution subject is the internet financial settlement system. The flow in fig. 5 may include the following steps:
s502: and acquiring a bill flow.
S504: and settling the merchant according to the bill running water to generate the merchant bill.
S506: and sending the merchant bill to a data platform so as to facilitate the data platform to be matched with an external financial system to realize the payment of the merchant.
In an embodiment of the present specification, the data platform comprises an offline data platform; for step S506, the sending the merchant bill to a data platform so that the data platform cooperates with an external financial system to realize the merchant making money may specifically include: and sending the merchant bill to the offline data platform so as to facilitate the offline data platform to match with an external financial system to realize the payment of the merchant.
In an embodiment of the present specification, the data platform further comprises a real-time data platform; for step S504, after the settlement is performed for the merchant according to the bill flow, the following steps may be further performed: and synchronizing the settlement related data to the real-time data platform for inquiry.
It can be seen that the interaction of the scheme of fig. 5 with the receipt is still accomplished by the offline data platform, with relatively little improvement compared to the scheme of fig. 2, and of course, the cost of improvement is correspondingly reduced. The scheme in fig. 5 may be used as a transition scheme before the improvement to the scheme in fig. 2.
Referring to fig. 3 and fig. 4, an embodiment of the present specification further provides a detailed architecture schematic diagram of the service processing method of fig. 5, as shown in fig. 6.
Compared with the architecture in fig. 3, in fig. 6, the main settlement service is incorporated into the settlement system, the offline data platform is liberated to a certain extent, and the real-time data platform can be directly synchronized in real time from the settlement system without relying on the offline data platform, but the interaction of making money and receipt is still completed by the offline data platform.
Based on the same idea, the embodiments of the present specification further provide apparatuses corresponding to the above methods, as shown in fig. 7 and fig. 8.
Fig. 7 is a schematic structural diagram of a service processing apparatus of an internet financial settlement system corresponding to fig. 2, according to an embodiment of the present disclosure, where the apparatus includes:
an obtaining module 701, which obtains a bill flow;
a settlement module 702, which settles for the merchant according to the bill flow to generate a merchant bill;
the money printing module 703 is used for printing money for the merchant by matching with an external financial system according to the merchant bill;
a synchronization module 704 that synchronizes the settlement related data to a data platform so that the data platform generates and provides merchant statements to the external financial system.
Optionally, the data platform comprises an offline data platform;
the synchronization module 704 synchronizes the settlement-related data to a data platform so that the data platform generates a merchant statement and provides the merchant statement to the external financial system, specifically including:
the synchronization module 704 synchronizes settlement related data to an offline data platform to facilitate the offline data platform in generating and providing merchant statements to the external financial system.
Optionally, the data platform further comprises a real-time data platform;
the synchronization module 704 synchronizes the settlement related data to the data platform, further comprising:
the synchronization module 704 synchronizes the settlement related data to the real-time data platform in real time for querying.
Optionally, the settlement module 702 performs settlement for the merchant according to the bill flowing line, which specifically includes:
the settlement module 702 performs real-time settlement for the merchant according to the bill flow.
Optionally, the money making module 703 is configured to implement money making for the merchant by cooperating with an external financial system according to the merchant bill, and specifically includes:
the money making module 703 generates money making information according to the merchant bill;
sending the money printing information to an external financial system so that the external financial system prints money for the merchant;
and receiving the receipt information correspondingly returned by the external financial system.
Fig. 8 is a schematic structural diagram of a service processing apparatus of an internet financial settlement system corresponding to fig. 5 provided in an embodiment of the present specification, where a dashed box represents an optional module, and the apparatus includes:
an acquiring module 801 for acquiring a bill flow;
a settlement module 802, which settles for the merchant according to the bill running water to generate a merchant bill;
the sending module 803 sends the merchant bill to a data platform, so that the data platform cooperates with an external financial system to realize the payment for the merchant.
Optionally, the data platform comprises an offline data platform;
the sending module 803 sends the merchant bill to a data platform, so that the data platform cooperates with an external financial system to realize the merchant making money, specifically including:
the sending module 803 sends the merchant bill to the offline data platform, so that the offline data platform cooperates with an external financial system to realize making money for the merchant.
Optionally, the data platform further comprises a real-time data platform;
the device further comprises:
and a synchronization module 804, which synchronizes the settlement related data to the real-time data platform for inquiry after the settlement module 802 settles for the merchant according to the bill flow.
Based on the same idea, embodiments of the present specification further provide a service processing device of an internet financial settlement system corresponding to fig. 2, including:
at least one processor; and (c) a second step of,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
according to the merchant bill, matching with an external financial system to realize the payment making for the merchant;
synchronizing settlement-related data to a data platform to facilitate the data platform to generate and provide merchant statements to the external financial system.
Based on the same idea, embodiments of the present specification further provide a service processing device of an internet financial settlement system corresponding to fig. 5, including:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein, the first and the second end of the pipe are connected with each other,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
and sending the merchant bill to a data platform so as to facilitate the data platform to be matched with an external financial system to realize the payment of the merchant.
Based on the same idea, the embodiments of the present specification further provide a non-volatile computer storage medium corresponding to fig. 2, storing computer-executable instructions configured to:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
according to the merchant bill, matching with an external financial system to realize the payment making for the merchant;
synchronizing settlement-related data to a data platform to facilitate the data platform in generating and providing merchant statements to the external financial system.
Based on the same idea, the embodiments of the present specification further provide a non-volatile computer storage medium corresponding to fig. 5, storing computer-executable instructions configured to:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
and sending the merchant bill to a data platform so as to realize the payment of the merchant by matching the data platform with an external financial system.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the embodiments of the apparatus, the device, and the nonvolatile computer storage medium, since they are substantially similar to the embodiments of the method, the description is simple, and for the relevant points, reference may be made to the partial description of the embodiments of the method.
The apparatus, the device, the nonvolatile computer storage medium, and the method provided in the embodiments of the present specification correspond to each other, and therefore, the apparatus, the device, and the nonvolatile computer storage medium also have advantageous technical effects similar to those of the corresponding method.
In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being divided into various units by function, respectively. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.
The description has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, the embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, the description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present specification, and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement or the like made within the spirit and principle of the present application shall be included in the scope of the claims of the present application.
Claims (18)
1. A service processing method of an Internet financial settlement system comprises the following steps:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
according to the merchant bill, matching with an external financial system to realize the payment making for the merchant;
synchronizing settlement-related data to a data platform so that the data platform generates and provides merchant statements to the external financial system;
the data platform comprises an offline data platform and a real-time data platform; the real-time data platform is responsible for the work with relatively high real-time requirements, and comprises a function of providing instant query of settlement related data for users and/or merchants; the off-line data platform is responsible for the work with relatively low real-time requirements, including settlement related data summarization and non-real-time business interaction with an external financial system.
2. The method of claim 1, wherein the first and second light sources are selected from the group consisting of a red light source, a green light source, and a blue light source,
the synchronizing the settlement related data to a data platform so that the data platform generates a merchant statement and provides the merchant statement to the external financial system specifically comprises:
and synchronizing the settlement related data to an offline data platform so that the offline data platform can generate and provide the merchant statement to the external financial system.
3. The method of claim 2, wherein the first and second light sources are selected from the group consisting of a red light source, a green light source, and a blue light source,
the synchronizing the settlement related data to the data platform further comprises:
and carrying out real-time synchronization on the settlement related data to the real-time data platform for inquiry.
4. The method according to claim 1, wherein the settling for the merchant according to the billing streamline specifically comprises:
and carrying out real-time settlement for the commercial tenant according to the bill running water.
5. The method as claimed in claim 1, wherein the step of paying the merchant according to the merchant bill in cooperation with an external financial system comprises:
generating money making information according to the merchant bill;
sending the money printing information to an external financial system so that the external financial system prints money for the merchant;
and receiving the receipt information correspondingly returned by the external financial system.
6. A service processing method of an Internet financial settlement system comprises the following steps:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
sending the merchant bill to a data platform so that the data platform is matched with an external financial system to realize the payment making for the merchant;
the data platform comprises an offline data platform and a real-time data platform; the real-time data platform is responsible for the work with relatively high real-time requirements, and comprises a function of providing instant query of settlement related data for users and/or merchants; the off-line data platform is responsible for the work with relatively low real-time requirements, including settlement related data summarization and non-real-time business interaction with an external financial system.
7. The method of claim 6, wherein the first and second light sources are selected from the group consisting of a red light source, a green light source, and a blue light source,
the merchant account bill is sent to a data platform so that the data platform is matched with an external financial system to realize the merchant payment making, and the method specifically comprises the following steps:
and sending the merchant bill to the offline data platform so that the offline data platform is matched with an external financial system to realize the payment of the merchant.
8. The method of claim 6, wherein the first and second light sources are selected from the group consisting of a red light source, a green light source, and a blue light source,
after the settlement is performed for the merchant according to the bill flow, the method further comprises the following steps:
and synchronizing the settlement related data to the real-time data platform for inquiry.
9. A service processing apparatus of an internet financial settlement system, comprising:
the acquisition module acquires a bill flow;
the settlement module is used for settling the merchant according to the bill running water to generate a merchant bill;
the money printing module is matched with an external financial system to print money for the merchant according to the merchant bill;
the synchronization module synchronizes the settlement related data to the data platform so that the data platform generates a merchant statement and provides the merchant statement to the external financial system;
the data platform comprises an offline data platform and a real-time data platform; the real-time data platform is responsible for the work with relatively high real-time requirement, and comprises a function of providing instant query of settlement related data for users and/or merchants; the off-line data platform is responsible for the work with relatively low real-time requirements, including settlement related data summarization and non-real-time business interaction with an external financial system.
10. The apparatus as set forth in claim 9, wherein,
the synchronization module synchronizes the settlement related data to a data platform so that the data platform generates a merchant statement and provides the merchant statement to the external financial system, and the synchronization module specifically comprises:
the synchronization module synchronizes the settlement-related data to an offline data platform so that the offline data platform generates and provides the merchant statement to the external financial system.
11. The apparatus as set forth in claim 9, wherein,
the synchronization module synchronizes the settlement related data to the data platform, and further comprises:
and the synchronization module synchronizes the settlement related data to the real-time data platform in real time for inquiry.
12. The apparatus according to claim 9, wherein the settlement module settles for the merchant according to the billing streamline, and specifically comprises:
and the settlement module performs real-time settlement for the merchant according to the bill running water.
13. The apparatus of claim 9, wherein the payment module is configured to pay the merchant according to the merchant bill in cooperation with an external financial system, and specifically includes:
the money making module generates money making information according to the merchant bill;
sending the money making information to an external financial system so that the external financial system makes money for the merchant;
and receiving the receipt information correspondingly returned by the external financial system.
14. A service processing apparatus of an internet financial settlement system, comprising:
the acquisition module acquires a bill flow;
the settlement module is used for settling the merchant according to the bill running water to generate a merchant bill;
the sending module is used for sending the merchant bill to a data platform so as to facilitate the data platform to be matched with an external financial system to realize the payment of the merchant;
the data platform comprises an offline data platform and a real-time data platform; the real-time data platform is responsible for the work with relatively high real-time requirement, and comprises a function of providing instant query of settlement related data for users and/or merchants; the off-line data platform is responsible for the work with relatively low real-time requirements, including settlement related data summarization and non-real-time business interaction with an external financial system.
15. The apparatus as set forth in claim 14, wherein,
the sending module sends the merchant bill to a data platform so that the data platform cooperates with an external financial system to realize the merchant payment, and the sending module specifically comprises:
the sending module sends the merchant bill to the offline data platform, so that the offline data platform is matched with an external financial system to realize the payment of the merchant.
16. The apparatus as set forth in claim 14, wherein,
the device further comprises:
and the synchronization module synchronizes the settlement related data to the real-time data platform for inquiry after the settlement module settles for the merchant according to the bill flow.
17. A service processing apparatus of an internet financial settlement system, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to cause the at least one processor to:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
according to the merchant bill, matching with an external financial system to realize the payment making for the merchant;
synchronizing settlement related data to a data platform so that the data platform generates and provides merchant statements to the external financial system;
the data platform comprises an offline data platform and a real-time data platform; the real-time data platform is responsible for the work with relatively high real-time requirements, and comprises a function of providing instant query of settlement related data for users and/or merchants; the off-line data platform is responsible for the work with relatively low real-time requirements, including settlement related data summarization and non-real-time business interaction with an external financial system.
18. A service processing apparatus of an internet financial settlement system, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
acquiring a bill running water;
settling the merchant according to the bill running water to generate a merchant bill;
sending the merchant bill to a data platform so that the data platform is matched with an external financial system to realize the payment making for the merchant;
the data platform comprises an offline data platform and a real-time data platform; the real-time data platform is responsible for the work with relatively high real-time requirements, and comprises a function of providing instant query of settlement related data for users and/or merchants; the off-line data platform is responsible for the work with relatively low real-time requirements, including settlement related data summarization and non-real-time business interaction with an external financial system.
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| CN202210701094.XA CN115034901A (en) | 2018-01-05 | 2018-01-05 | Service processing method, device and equipment of Internet financial settlement system |
| CN201810009500.XA CN108346039B (en) | 2018-01-05 | 2018-01-05 | Service processing method, device and equipment of Internet financial settlement system |
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| CN201810009500.XA CN108346039B (en) | 2018-01-05 | 2018-01-05 | Service processing method, device and equipment of Internet financial settlement system |
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| CN110689417A (en) * | 2019-09-23 | 2020-01-14 | 天翼电子商务有限公司 | Accounting system-based settlement method and system, storage medium and terminal |
| CN111176844A (en) * | 2019-12-24 | 2020-05-19 | 天阳宏业科技股份有限公司 | Real-time online batch optimization method and system for financial data |
| CN113282824A (en) * | 2021-05-28 | 2021-08-20 | 支付宝(杭州)信息技术有限公司 | Account book data processing method, device and equipment |
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