CN109829801B - Account separating method, system and storage medium - Google Patents
Account separating method, system and storage medium Download PDFInfo
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- CN109829801B CN109829801B CN201811623869.6A CN201811623869A CN109829801B CN 109829801 B CN109829801 B CN 109829801B CN 201811623869 A CN201811623869 A CN 201811623869A CN 109829801 B CN109829801 B CN 109829801B
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Abstract
The invention discloses a method, a system and a storage medium for separating accounts, wherein the system comprises a feeding subsystem, an operation subsystem, a separating account subsystem, a transaction subsystem, a payment replacing subsystem, an inventory removing subsystem and a financial subsystem; the system further includes at least one processor; at least one memory for storing at least one program; the storage medium stores instructions executable by the processor. The invention realizes the process of the transaction of the account dividing through the feeding subsystem, the operation subsystem, the account dividing subsystem, the transaction subsystem, the payment replacing subsystem, the clearing subsystem and the financial subsystem, and the account dividing and accounting processing and the clearing and accounting processing are carried out through the bookkeeping account of the merchant, thereby ensuring the safety of the account dividing amount, greatly improving the reliability and being widely applied to the technical field of the Internet.
Description
Technical Field
The invention relates to the technical field of Internet, in particular to a billing method, a billing system and a storage medium.
Background
The account separating system is an omnibearing solution based on transaction funds, provides omnibearing functions of payment product access, project account separating, member account separating, funds management, settlement clearing and sorting management and the like for supply chain finance, electronic commerce platforms (B2B 2C), bulk commodity transaction and other platforms, and can ensure the safety of the funds in transit of each transaction party by monitoring and checking the authenticity of the transaction of the two parties.
O2O (Online To Offline, on-line to off-line) is used as a novel electronic commerce mode, and combines off-line commerce opportunities with the Internet, so that the Internet becomes a platform for off-line transactions. More and more service providers, such as catering merchants, conduct online transactions by means of an e-commerce service platform. As the user purchases goods, multiple roles may be involved, such as a service platform, merchant, logistics, etc., and thus payment for the goods by the user needs to be distributed among the roles. One settlement method commonly used at present is as follows: and the service platform pays the payment of the user to other roles, namely, performs account separation settlement with the other roles.
The account separating business specifically means that after the platform merchant and the merchant below the platform merchant open a transaction account (funds are deposited on the prepared payment platform), the platform merchant can also select to open a deposited account of a bank (real funds are deposited on a bank deposited user), the platform merchant can clear the transaction account of the merchant below the platform merchant through a payment instruction, which is equivalent to the funds of the merchant below the platform merchant being deposited on the prepared payment platform, if the deposit account of the bank is opened, the real funds are deposited on the bank deposited user, the merchant can transfer funds from the payment platform by himself or transfer funds from a bound bank card.
In the existing account separation method, merchants can directly transfer funds through a payment platform or a bank card when required, so that the safety of the account separation amount cannot be ensured, and the reliability is low.
Disclosure of Invention
In order to solve the technical problems, the invention aims to: provided are a highly reliable billing method, system, and storage medium.
The technical scheme adopted by one aspect of the invention is as follows:
a method of billing comprising the steps of:
the method comprises the steps that a part feeding subsystem receives part feeding information sent by an operation subsystem;
the feeding subsystem receives the feeding of the merchant;
the feeding subsystem feeds back a feeding acceptance notice to the merchant;
the feeding subsystem feeds a feeding member for auditing;
the feeding subsystem feeds back a feeding audit result to the merchant;
the feed subsystem sends a first merchant creation instruction to the financial subsystem.
The technical scheme adopted by the other aspect of the invention is as follows:
a method of billing comprising the steps of:
the operation subsystem receives the business part information sent by the operator;
the operation subsystem checks the business in-package information sent by the operator;
the operation subsystem opens the account separating service according to the auditing result of the piece feeding information;
the operation subsystem sends the feeding information to the feeding subsystem;
the operations subsystem sends a second merchant creation instruction to the financial subsystem.
The technical scheme adopted by the other aspect of the invention is as follows:
a method of billing comprising the steps of:
the account separating subsystem receives an account separating request sent by a merchant;
the account separating subsystem generates an account separating and transferring request according to the transaction information and the account separating request;
the account separation subsystem feeds back an account separation request acceptance notification to the merchant;
the account separating subsystem sends an account separating and transferring request to the transaction subsystem;
and the account separating subsystem sends the account separating and accounting result sent by the transaction subsystem to the merchant.
The technical scheme adopted by the other aspect of the invention is as follows:
a method of billing comprising the steps of:
the transaction subsystem receives a receipt transaction instruction sent by a merchant;
the transaction subsystem completes the order receiving transaction according to the order receiving transaction instruction;
the transaction subsystem sends the receipt transaction balance to the financial subsystem;
the transaction subsystem receives the accounting processing result sent by the financial subsystem;
the transaction subsystem sends transaction success feedback information to the merchant;
the transaction subsystem sends a ledger transfer request sent by the ledger subsystem to the financial subsystem; and the transaction subsystem sends the account-dividing and accounting result sent by the financial subsystem to the account-dividing subsystem. The technical scheme adopted by the other aspect of the invention is as follows:
a method of billing comprising the steps of:
the payment replacing subsystem receives a clearing accounting result notice sent by the clearing subsystem;
the payment replacing subsystem completes payment replacing processing through automatic payment replacing rules and manual payment replacing rules;
the payment replacing subsystem sends payment replacing accounting instructions to the financial subsystem;
and the payment replacing subsystem receives and transmits the payment replacing accounting processing result transmitted by the financial subsystem to the merchant.
The technical scheme adopted by the other aspect of the invention is as follows:
a method of billing comprising the steps of:
the clearing subsystem regularly carries out clearing processing;
the clearing subsystem sends a clearing accounting request to the financial subsystem;
and the clearing subsystem receives and transmits the clearing accounting result notice sent by the financial subsystem to the payment-replacing subsystem.
The technical scheme adopted by the other aspect of the invention is as follows:
a method of billing comprising the steps of:
the financial subsystem performs second merchant creation according to a second merchant creation instruction sent by the operation subsystem;
the financial subsystem performs first merchant creation according to a first merchant creation instruction sent by the feed subsystem;
the financial subsystem performs accounting processing according to the merchant bookkeeping account and the receipt transaction balance sent by the transaction subsystem and feeds back an accounting processing result to the transaction subsystem;
the financial subsystem performs account dividing and accounting processing according to the account dividing and accounting transfer request sent by the merchant bookkeeping account and the transaction subsystem and feeds back account dividing and accounting results to the transaction subsystem;
the financial subsystem performs clearing accounting processing according to the clearing accounting request sent by the clearing accounting subsystem and sends a clearing accounting result notice to the clearing accounting subsystem;
and the financial subsystem performs the payment accounting processing according to the payment accounting instruction sent by the payment subsystem and feeds back the payment accounting processing result to the payment subsystem.
The technical scheme adopted by the other aspect of the invention is as follows:
a billing system comprises a feed subsystem, an operation subsystem, a billing subsystem, a transaction subsystem, a payment subsystem, a clearing subsystem and a financial subsystem;
wherein, the feed subsystem is used for:
receiving the information of the incoming part sent by the operation subsystem;
receiving an entry of a merchant;
feeding back a part acceptance notice to the merchant;
checking the advancing piece;
feeding back a piece-feeding auditing result to the merchant;
sending a first merchant creation instruction to a financial subsystem;
the operation subsystem is used for:
receiving merchant component feeding information sent by an operator;
checking the merchant package information sent by the operator;
opening a billing service according to the auditing result of the piece-in information;
sending the feeding information to a feeding subsystem;
sending a second merchant creation instruction to the financial subsystem;
the account separating subsystem is used for:
receiving a billing request sent by a merchant;
generating a billing and internal transfer request according to the transaction information and the billing request;
feeding back a receipt notification of the account dividing request to the merchant;
sending a ledger transfer request to a transaction subsystem;
sending the account-dividing and accounting result sent by the transaction subsystem to a merchant;
the transaction subsystem is used for:
receiving a receipt transaction instruction sent by a merchant;
completing the order receiving transaction according to the order receiving transaction instruction;
sending the receipt transaction balance to the financial subsystem;
receiving a billing processing result sent by a financial subsystem;
sending transaction success feedback information to a merchant;
sending a ledger transfer request sent by a ledger subsystem to a financial subsystem;
sending the account-dividing and accounting results sent by the financial subsystem to the account-dividing subsystem;
the payment replacing subsystem is used for:
receiving a clearing accounting result notice sent by a clearing subsystem;
completing payment replacing processing through automatic and manual payment lifting rules;
sending a payment accounting instruction to a financial subsystem;
receiving and sending the payment accounting processing result sent by the financial subsystem to the merchant;
the knot clearing subsystem is used for:
carrying out clearing and counting processing at regular time;
issuing a clearing accounting request to the financial subsystem;
receiving and sending a clearing and accounting result notice sent by the financial subsystem to the payment replacing subsystem; the financial subsystem is configured to:
creating a second merchant according to a second merchant creation instruction sent by the operation subsystem;
carrying out first merchant creation according to a first merchant creation instruction sent by the feed subsystem;
according to the merchant bookkeeping account and the receipt transaction balance sent by the transaction subsystem, carrying out accounting processing and feeding back an accounting processing result to the transaction subsystem;
according to the business bookkeeping account and the account dividing and transferring request sent by the transaction subsystem, account dividing and accounting processing is carried out, and account dividing and accounting results are fed back to the transaction subsystem;
according to the clearing accounting request sent by the clearing subsystem, clearing accounting processing is carried out, and a clearing accounting result notification is sent to the clearing subsystem;
and carrying out the payment accounting processing according to the payment accounting instruction sent by the payment subsystem and feeding back the payment accounting processing result to the payment subsystem.
The technical scheme adopted by the other aspect of the invention is as follows:
a ledger system, comprising:
at least one processor;
at least one memory for storing at least one program;
when the at least one program is executed by the at least one processor, the at least one processor is caused to implement the method of billing.
The technical scheme adopted by the other aspect of the invention is as follows:
a storage medium having stored therein processor-executable instructions which, when executed by a processor, are for performing the method of billing.
The beneficial effects of the invention are as follows: the invention realizes the process of the transaction of the account dividing through the feeding subsystem, the operation subsystem, the account dividing subsystem, the transaction subsystem, the payment replacing subsystem, the clearing subsystem and the financial subsystem, and the merchant can finish the fund extraction after the account dividing and accounting processing and the clearing and accounting processing are carried out on the bookkeeping account of the merchant, thereby ensuring the safety of the account dividing amount and greatly improving the reliability.
Drawings
FIG. 1 is a timing diagram of a billing service opening process according to an embodiment of the present invention;
FIG. 2 is a timing diagram of a ledger transaction process according to an embodiment of the present invention;
FIG. 3 is a timing diagram of a merchant proposal or payment process according to an embodiment of the invention.
Detailed Description
The invention is further explained and illustrated below with reference to the drawing and the specific embodiments of the present specification.
A method of billing comprising the steps of:
the method comprises the steps that a part feeding subsystem receives part feeding information sent by an operation subsystem;
the feeding subsystem receives the feeding of the merchant;
the feeding subsystem feeds back a feeding acceptance notice to the merchant;
the feeding subsystem feeds a feeding member for auditing;
the feeding subsystem feeds back a feeding audit result to the merchant;
the feed subsystem sends a first merchant creation instruction to the financial subsystem.
A method of billing comprising the steps of:
the operation subsystem receives the business part information sent by the operator;
the operation subsystem checks the business in-package information sent by the operator;
the operation subsystem opens the account separating service according to the auditing result of the piece feeding information;
the operation subsystem sends the feeding information to the feeding subsystem;
the operations subsystem sends a second merchant creation instruction to the financial subsystem.
A method of billing comprising the steps of:
the account separating subsystem receives an account separating request sent by a merchant;
the account separating subsystem generates an account separating and transferring request according to the transaction information and the account separating request;
the account separation subsystem feeds back an account separation request acceptance notification to the merchant;
the account separating subsystem sends an account separating and transferring request to the transaction subsystem;
and the account separating subsystem sends the account separating and accounting result sent by the transaction subsystem to the merchant.
A method of billing comprising the steps of:
the transaction subsystem receives a receipt transaction instruction sent by a merchant;
the transaction subsystem completes the order receiving transaction according to the order receiving transaction instruction;
the transaction subsystem sends the receipt transaction balance to the financial subsystem;
the transaction subsystem receives the accounting processing result sent by the financial subsystem;
the transaction subsystem sends transaction success feedback information to the merchant;
the transaction subsystem sends a ledger transfer request sent by the ledger subsystem to the financial subsystem; and the transaction subsystem sends the account-dividing and accounting result sent by the financial subsystem to the account-dividing subsystem. A method of billing comprising the steps of:
the payment replacing subsystem receives a clearing accounting result notice sent by the clearing subsystem;
the payment replacing subsystem completes payment replacing processing through automatic payment replacing rules and manual payment replacing rules;
the payment replacing subsystem sends payment replacing accounting instructions to the financial subsystem;
and the payment replacing subsystem receives and transmits the payment replacing accounting processing result transmitted by the financial subsystem to the merchant.
A method of billing comprising the steps of:
the clearing subsystem regularly carries out clearing processing;
the clearing subsystem sends a clearing accounting request to the financial subsystem;
and the clearing subsystem receives and transmits the clearing accounting result notice sent by the financial subsystem to the payment-replacing subsystem.
A method of billing comprising the steps of:
the financial subsystem performs second merchant creation according to a second merchant creation instruction sent by the operation subsystem;
the financial subsystem performs first merchant creation according to a first merchant creation instruction sent by the feed subsystem;
the financial subsystem performs accounting processing according to the merchant bookkeeping account and the receipt transaction balance sent by the transaction subsystem and feeds back an accounting processing result to the transaction subsystem;
the financial subsystem performs account dividing and accounting processing according to the account dividing and accounting transfer request sent by the merchant bookkeeping account and the transaction subsystem and feeds back account dividing and accounting results to the transaction subsystem;
the financial subsystem performs clearing accounting processing according to the clearing accounting request sent by the clearing accounting subsystem and sends a clearing accounting result notice to the clearing accounting subsystem;
and the financial subsystem performs the payment accounting processing according to the payment accounting instruction sent by the payment subsystem and feeds back the payment accounting processing result to the payment subsystem.
A billing system comprises a feed subsystem, an operation subsystem, a billing subsystem, a transaction subsystem, a payment subsystem, a clearing subsystem and a financial subsystem;
wherein, the feed subsystem is used for:
receiving the information of the incoming part sent by the operation subsystem;
receiving an entry of a merchant;
feeding back a part acceptance notice to the merchant;
checking the advancing piece;
feeding back a piece-feeding auditing result to the merchant;
sending a first merchant creation instruction to a financial subsystem;
the operation subsystem is used for:
receiving merchant component feeding information sent by an operator;
checking the merchant package information sent by the operator;
opening a billing service according to the auditing result of the piece-in information;
sending the feeding information to a feeding subsystem;
sending a second merchant creation instruction to the financial subsystem;
the account separating subsystem is used for:
receiving a billing request sent by a merchant;
generating a billing and internal transfer request according to the transaction information and the billing request;
feeding back a receipt notification of the account dividing request to the merchant;
sending a ledger transfer request to a transaction subsystem;
sending the account-dividing and accounting result sent by the transaction subsystem to a merchant;
the transaction subsystem is used for:
receiving a receipt transaction instruction sent by a merchant;
completing the order receiving transaction according to the order receiving transaction instruction;
sending the receipt transaction balance to the financial subsystem;
receiving a billing processing result sent by a financial subsystem;
sending transaction success feedback information to a merchant;
sending a ledger transfer request sent by a ledger subsystem to a financial subsystem;
sending the account-dividing and accounting results sent by the financial subsystem to the account-dividing subsystem;
the payment replacing subsystem is used for:
receiving a clearing accounting result notice sent by a clearing subsystem;
completing payment replacing processing through automatic and manual payment lifting rules;
sending a payment accounting instruction to a financial subsystem;
receiving and sending the payment accounting processing result sent by the financial subsystem to the merchant;
the knot clearing subsystem is used for:
carrying out clearing and counting processing at regular time;
issuing a clearing accounting request to the financial subsystem;
receiving and sending a clearing and accounting result notice sent by the financial subsystem to the payment replacing subsystem;
the financial subsystem is configured to:
creating a second merchant according to a second merchant creation instruction sent by the operation subsystem;
carrying out first merchant creation according to a first merchant creation instruction sent by the feed subsystem;
according to the merchant bookkeeping account and the receipt transaction balance sent by the transaction subsystem, carrying out accounting processing and feeding back an accounting processing result to the transaction subsystem;
according to the business bookkeeping account and the account dividing and transferring request sent by the transaction subsystem, account dividing and accounting processing is carried out, and account dividing and accounting results are fed back to the transaction subsystem;
according to the clearing accounting request sent by the clearing subsystem, clearing accounting processing is carried out, and a clearing accounting result notification is sent to the clearing subsystem;
and carrying out the payment accounting processing according to the payment accounting instruction sent by the payment subsystem and feeding back the payment accounting processing result to the payment subsystem.
A ledger system, comprising:
at least one processor;
at least one memory for storing at least one program;
when the at least one program is executed by the at least one processor, the at least one processor is caused to implement the method of billing.
The content in the method embodiment is applicable to the system embodiment, the functions specifically realized by the system embodiment are the same as those of the method embodiment, and the achieved beneficial effects are the same as those of the method embodiment.
A storage medium having stored therein processor-executable instructions which, when executed by a processor, are for performing the method of billing.
The method for billing according to the present invention will be described in detail with reference to the accompanying drawings:
as shown in fig. 1 to 3, the present invention provides a complete accounting service process, and the accounting method of the present invention includes the following processing flows: 1. opening the account separating business; 2. accounting transaction; 3. sub-merchants (or members) offer/pay.
Specifically, as shown in fig. 1, the provision of the accounting service includes that the merchant applies for provision of the accounting service, and that the sub-merchant (member) applies for provision of the accounting service when entering the part, the completion flow is as follows:
1. after signing a contract with the background terminal, the merchant applies for opening the account separating service;
2. after signing, the operator of the background system completes data input, and enters the residence auditing flow through the internal merchant, and finally confirms, and then opens the accounting business to the merchant.
3. After the system completes data synchronization (preferably, the embodiment adopts a real-time synchronization mode), the merchant can complete the business (member) entry of the sub-merchant according to the business (member) entry specification of the sub-merchant.
4. The feeding subsystem completes the examination of the contents of the feeding sub-merchant (member) and confirms the completion of the feeding. In addition, the invention can adopt an automatic auditing or manual auditing mode according to the grade of the merchant, and can also adopt a mode of combining the automatic auditing and manual auditing to audit.
5. After successful entry, accounts of merchants and sub-merchants (members) are created.
After the accounts of the merchant and the sub-merchant (member) are established, the transaction basis is provided.
As shown in fig. 2, the ledger transaction includes two parts: the former is not different from the common order, and the latter needs to complete the accounting of the sub-merchant (member) to be checked out for use by the subsequent sub-merchant (member).
Specifically, the ledger transaction includes the following processes:
1. the merchant initiates an order purchase transaction (using any payment means), the transaction subsystem completes the order purchase transaction, and the account is billed to the merchant's bookkeeping account balance, and the order purchase transaction is completed.
2. The merchant initiates a billing request, and the billing subsystem initiates an internal transfer request to the transaction subsystem according to parameters of the merchant request.
3. The transaction subsystem initiates an inward transfer of billing to the accounting subsystem, and the transaction amount is transferred from the merchant's bookkeeping account to the sub-merchant's (member's) shared account.
4. After the account subsystem finishes accounting, the transaction subsystem confirms that the transfer of accounting is successfully finished.
5. The transaction subsystem informs the account separation subsystem that the transfer process is successful.
6. The account separation subsystem informs the merchant that the account separation process is successful.
Wherein, bookkeeping account: the account balance is a temporary account in the transaction process of the merchant, is only used for billing temporary accounts, and the bookkeeping account balance cannot be used for any form of cash out except the account, so that the security of the account amount is ensured.
As shown in FIG. 3, the sub-merchants (members) are presented and paid instead of common merchants, and the clearing system automatically completes clearing and settlement according to clearing and settlement periods set by the merchants, and changes the on-transit balance of the merchants into the available balance of the merchants, thereby facilitating the presentation. Then, the sub-merchant (member) can complete automatic or manual cash-out/cash-out operation through various cash-out/cash-out services provided by the present invention.
The process of proposing/substituting payment specifically comprises the following steps:
1. and searching the merchant which meets the requirements for clearing settlement according to the entry parameters of the merchant by the clearing subsystem.
2. The clearing and settling system finds out the business transaction needing clearing and settling, invokes an accounting clearing and settling interface, completes clearing and settling accounting of the business, and sends out clearing and settling result notification.
Wherein, the automatic presentation mode comprises the following steps 3-7:
3. the merchant (or sub-merchant) implements setting up the auto-rendering rules.
4. And the payment substituting subsystem initiates a payment substituting flow according to the automatic payment substituting rule set by the merchant.
5. The payment-replacing subsystem initiates payment-replacing accounting.
6. The payment replacing subsystem initiates payment replacing operation.
7. And the payment substituting subsystem informs the merchant of the payment substituting result.
The manual presentation mode comprises the following steps 8-11:
8. the merchant (sub-merchant) initiates a manual override (interface or at the merchant portal).
9. The payment-replacing subsystem initiates payment-replacing accounting.
10. The payment replacing subsystem initiates payment replacing operation.
11. And the payment substituting subsystem informs the merchant of the payment substituting result.
In summary, the invention realizes the process of the accounting transaction through the feeding subsystem, the operation subsystem, the accounting subsystem, the transaction subsystem, the paying subsystem, the clearing subsystem and the financial subsystem, and the accounting processing and the clearing accounting processing are carried out through the business bookkeeping account, so that the safety of the accounting amount can be ensured, and the reliability is greatly improved.
While the preferred embodiment of the present invention has been described in detail, the present invention is not limited to the embodiments described above, and various equivalent modifications and substitutions can be made by those skilled in the art without departing from the spirit of the present invention, and these equivalent modifications and substitutions are intended to be included in the scope of the present invention as defined in the appended claims.
Claims (4)
1. A method of billing, characterized by: the method comprises the following steps:
the operation subsystem receives the business part information sent by the operator;
the operation subsystem checks the business in-package information sent by the operator;
the operation subsystem opens the account separating service according to the auditing result of the piece feeding information;
the operation subsystem sends the feeding information to the feeding subsystem;
the operation subsystem sends a second merchant creation instruction to the financial subsystem;
the method comprises the steps that a part feeding subsystem receives part feeding information sent by an operation subsystem;
the feeding subsystem receives the feeding of the merchant;
the feeding subsystem feeds back a feeding acceptance notice to the merchant;
the feeding subsystem feeds a feeding member for auditing;
the feeding subsystem feeds back a feeding audit result to the merchant;
the feeding subsystem sends a first merchant creation instruction to the financial subsystem;
the transaction subsystem receives a receipt transaction instruction sent by a merchant;
the transaction subsystem completes the order receiving transaction according to the order receiving transaction instruction;
the transaction subsystem sends the receipt transaction balance to the financial subsystem;
the transaction subsystem receives the accounting processing result sent by the financial subsystem;
the transaction subsystem sends transaction success feedback information to the merchant;
the transaction subsystem sends a ledger transfer request sent by the ledger subsystem to the financial subsystem;
the transaction subsystem sends the account dividing and accounting results sent by the financial subsystem to the account dividing subsystem;
the account separating subsystem receives an account separating request sent by a merchant;
the account separating subsystem generates an account separating and transferring request according to the transaction information and the account separating request;
the account separation subsystem feeds back an account separation request acceptance notification to the merchant;
the account separating subsystem sends an account separating and transferring request to the transaction subsystem;
the account dividing subsystem sends the account dividing and accounting result sent by the transaction subsystem to the merchant;
the clearing subsystem regularly carries out clearing processing;
the clearing subsystem sends a clearing accounting request to the financial subsystem;
the clearing subsystem receives and sends a clearing accounting result notice sent by the financial subsystem to the payment-substituting subsystem;
the payment replacing subsystem receives a clearing accounting result notice sent by the clearing subsystem;
the payment replacing subsystem completes payment replacing processing through automatic payment replacing rules and manual payment replacing rules;
the payment replacing subsystem sends payment replacing accounting instructions to the financial subsystem;
the payment replacing subsystem receives and transmits payment replacing accounting processing results transmitted by the financial subsystem to the merchant;
the financial subsystem performs second merchant creation according to a second merchant creation instruction sent by the operation subsystem;
the financial subsystem performs first merchant creation according to a first merchant creation instruction sent by the feed subsystem;
the financial subsystem performs accounting processing according to the merchant bookkeeping account and the receipt transaction balance sent by the transaction subsystem and feeds back an accounting processing result to the transaction subsystem;
the financial subsystem performs account dividing and accounting processing according to the account dividing and accounting transfer request sent by the merchant bookkeeping account and the transaction subsystem and feeds back account dividing and accounting results to the transaction subsystem;
the financial subsystem performs clearing accounting processing according to the clearing accounting request sent by the clearing accounting subsystem and sends a clearing accounting result notice to the clearing accounting subsystem;
the financial subsystem carries out the payment accounting processing according to the payment accounting instruction sent by the payment subsystem and feeds back the payment accounting processing result to the payment subsystem;
the bookkeeping account is a temporary account in the transaction process of the merchant, is only used for billing temporary accounts, and cannot be used for any form of fund except for account separation.
2. A billing system, characterized by: the system comprises a feeding subsystem, an operation subsystem, a billing subsystem, a transaction subsystem, a payment-substituting subsystem, a clearing subsystem and a financial subsystem;
wherein, the feed subsystem is used for:
receiving the information of the incoming part sent by the operation subsystem;
receiving an entry of a merchant;
feeding back a part acceptance notice to the merchant;
checking the advancing piece;
feeding back a piece-feeding auditing result to the merchant;
sending a first merchant creation instruction to a financial subsystem;
the operation subsystem is used for:
receiving merchant component feeding information sent by an operator;
checking the merchant package information sent by the operator;
opening a billing service according to the auditing result of the piece-in information;
sending the feeding information to a feeding subsystem;
sending a second merchant creation instruction to the financial subsystem;
the account separating subsystem is used for:
receiving a billing request sent by a merchant;
generating a billing and internal transfer request according to the transaction information and the billing request;
feeding back a receipt notification of the account dividing request to the merchant;
sending a ledger transfer request to a transaction subsystem;
sending the account-dividing and accounting result sent by the transaction subsystem to a merchant;
the transaction subsystem is used for:
receiving a receipt transaction instruction sent by a merchant;
completing the order receiving transaction according to the order receiving transaction instruction;
sending the receipt transaction balance to the financial subsystem;
receiving a billing processing result sent by a financial subsystem;
sending transaction success feedback information to a merchant;
sending a ledger transfer request sent by a ledger subsystem to a financial subsystem;
sending the account-dividing and accounting results sent by the financial subsystem to the account-dividing subsystem;
the payment replacing subsystem is used for:
receiving a clearing accounting result notice sent by a clearing subsystem;
completing payment replacing processing through automatic and manual payment lifting rules;
sending a payment accounting instruction to a financial subsystem;
receiving and sending the payment accounting processing result sent by the financial subsystem to the merchant;
the knot clearing subsystem is used for:
carrying out clearing and counting processing at regular time;
issuing a clearing accounting request to the financial subsystem;
receiving and sending a clearing and accounting result notice sent by the financial subsystem to the payment replacing subsystem;
the financial subsystem is configured to:
creating a second merchant according to a second merchant creation instruction sent by the operation subsystem;
carrying out first merchant creation according to a first merchant creation instruction sent by the feed subsystem;
according to the merchant bookkeeping account and the receipt transaction balance sent by the transaction subsystem, carrying out accounting processing and feeding back an accounting processing result to the transaction subsystem;
according to the business bookkeeping account and the account dividing and transferring request sent by the transaction subsystem, account dividing and accounting processing is carried out, and account dividing and accounting results are fed back to the transaction subsystem;
according to the clearing accounting request sent by the clearing subsystem, clearing accounting processing is carried out, and a clearing accounting result notification is sent to the clearing subsystem;
and carrying out the payment accounting processing according to the payment accounting instruction sent by the payment subsystem and feeding back the payment accounting processing result to the payment subsystem.
3. A billing system, characterized by: comprising the following steps:
at least one processor;
at least one memory for storing at least one program;
the at least one program, when executed by the at least one processor, causes the at least one processor to implement the method of billing of claim 1.
4. A storage medium having stored therein instructions executable by a processor, characterized by: the processor-executable instructions, when executed by a processor, for performing the method of billing of claim 1.
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| CN110189114A (en) * | 2019-06-04 | 2019-08-30 | 四川长虹电器股份有限公司 | It is a kind of to divide account method based on the intelligence for unifying payment platform |
| CN110728501B (en) * | 2019-09-30 | 2022-05-24 | 口碑(上海)信息技术有限公司 | Incoming part processing method and incoming part system |
| CN111429060B (en) * | 2020-03-20 | 2024-04-09 | 上海中通吉网络技术有限公司 | Express bill payment management method and equipment |
| CN112633861A (en) * | 2020-12-18 | 2021-04-09 | 传化支付有限公司 | Method and device for distributing postpositional data, computer equipment and storage medium |
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