CN110097348A - Method of payment, device, computer equipment and the storage medium of electronic transaction - Google Patents

Method of payment, device, computer equipment and the storage medium of electronic transaction Download PDF

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Publication number
CN110097348A
CN110097348A CN201910406542.1A CN201910406542A CN110097348A CN 110097348 A CN110097348 A CN 110097348A CN 201910406542 A CN201910406542 A CN 201910406542A CN 110097348 A CN110097348 A CN 110097348A
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Prior art keywords
transaction
petty cash
order
payment
standard product
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Granted
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CN201910406542.1A
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CN110097348B (en
Inventor
卢伟红
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Lu Weihong
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Quick Date Technology (guangzhou) Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G06Q20/145—Payments according to the detected use or quantity
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

This application involves a kind of method of payment of electronic transaction, device, computer equipment and storage mediums.The described method includes: receiving electronic order；Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment.Volume settlement process of making up the difference can automatically be carried out using this method, carry out volume clearing of making up the difference by other means without user, solve the problems, such as that user carries out electronic transaction and needs to expend more time and operation.

Description

Method of payment, device, computer equipment and the storage medium of electronic transaction
Technical field
This application involves e-payment fields, set more particularly to a kind of method of payment of electronic transaction, device, computer Standby and storage medium.
Background technique
Currently, user increasingly gets used to doing shopping by online electronic transaction.
In electronic transaction, buyer usually first submits electronic order in third party transaction platform, and according to electronic order The amount of money carries out e-payment, to place an order to the product to be bought.Third party transaction platform receives electronic order and buyer's payment The amount of money after, then notify seller to deliver.After seller's delivered product is to buyer, third party transaction platform can then be paid buyer The amount of money, draw account to seller user, to complete the easy clearing of the single cross.
However, often there is the product that buyer is placed an order in the electronic transaction for non-standard products such as vegetables and fruits, meats, With seller deliver product quantity, weight, kind, in terms of on have differences the case where, cause buyer in delivery The amount differ that should be paid after preceding the paid amount of money and delivery is closed, and there are difference, so that needing between buyer and seller It makes up the difference by other means volume, user is caused to need that transaction could be completed with more time and operation.
For example, buyer pays 10 yuan, the fish for one 500g (gram) of purchase that places an order, seller's actual handing over is a 650g Fish, receivable 13.14 yuan of seller, but in clearing, seller has only received 10 yuan, and buyer may need to draw account by bank, will 3.14 yuan of difference pays seller.
Therefore, there is expend more time and operation when user carries out electronic transaction to the current means of payment.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide the method for payment of electronic transaction a kind of, a kind of electronic transaction Payment mechanism, a kind of computer equipment and a kind of computer readable storage medium.
A kind of method of payment of electronic transaction, comprising:
Receive electronic order；The electronic order includes non-standard product；The non-standard product, be settlement amounts according to The product of actual handing over and determination；The non-standard product has corresponding order value；
Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment；The friendship Easy petty cash, for carrying out volume clearing of making up the difference when settlement amounts identified after actual handing over are greater than the order value Processing.
A kind of method of payment of electronic transaction, comprising:
Receive electronic order；The electronic order includes non-standard product；The non-standard product be settlement amounts according to The product of actual handing over and determination；The non-standard product has corresponding order value；
Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment；The friendship Easy petty cash, for carrying out volume clearing of making up the difference when settlement amounts identified after actual handing over are greater than the order value Processing；The transaction petty cash is also used to be retracted into petty cash account when the settlement amounts are less than the order value.
A kind of method of payment of electronic transaction, comprising:
After actual handing over non-standard product, the settlement amounts of the non-standard product are determined；The non-standard product, For settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding order value；It is described to place an order The amount of money is the amount of money for having carried out e-payment to the non-standard product before actual handing over；
When the settlement amounts are greater than the order value, volume settlement process of making up the difference is carried out using transaction petty cash；Institute Transaction petty cash is stated, is the amount of money for having carried out e-payment before actual handing over.
A kind of method of payment of electronic transaction, comprising:
Submit electronic order to trading server；The electronic order includes non-standard product；The non-standard product is Settlement amounts product of determination according to actual handing over；The non-standard product has corresponding order value；
Receive the order payment information that the trading server returns；The order payment information is by the trading server It is obtained according to the order value and transaction petty cash；
E-payment is carried out according to the order payment information, for non-standard product described in seller's actual handing over；It is described Transaction petty cash, for carrying out volume knot of making up the difference when settlement amounts identified after actual handing over are greater than the order value Calculation processing.
A kind of payment mechanism of electronic transaction, comprising:
Order reception module, for receiving electronic order；The electronic order includes non-standard product；The non-standard production Product, be settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding order value；
Petty cash generation module, for generating transaction petty cash, and according to the order value and the transaction petty cash, Carry out e-payment；The transaction petty cash is greater than the gold that places an order for settlement amounts identified after actual handing over When volume, volume settlement process of making up the difference is carried out.
A kind of payment mechanism of electronic transaction, comprising:
Order reception module, for receiving electronic order；The electronic order includes non-standard product；The non-standard production Product be settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding order value；
Petty cash generation module, for generating transaction petty cash, and according to the order value and the transaction petty cash, Carry out e-payment；The transaction petty cash is greater than the gold that places an order for settlement amounts identified after actual handing over When volume, volume settlement process of making up the difference is carried out；The transaction petty cash is also used to when the settlement amounts are less than the order value It is retracted into petty cash account.
A kind of payment mechanism of electronic transaction, comprising:
Settlement module, for determining the settlement amounts of the non-standard product after actual handing over non-standard product；Institute State non-standard product, be settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding place an order The amount of money；The order value is the amount of money for having carried out e-payment to the non-standard product before actual handing over；
It makes up the difference volume module, for being mended using transaction petty cash when the settlement amounts are greater than the order value Difference settlement process；The transaction petty cash is the amount of money that e-payment has been carried out before actual handing over.
A kind of payment mechanism of electronic transaction, comprising:
Order submits module, for submitting electronic order to trading server；The electronic order includes non-standard product； The non-standard product, be settlement amounts according to actual handing over the product of determination；The non-standard product have it is corresponding under Single amount of money；
Information receiving module, the order payment information returned for receiving the trading server；The order disbursement letter Breath is obtained by the trading server according to the order value and transaction petty cash；
Payment module, for carrying out e-payment according to the order payment information, for non-described in seller's actual handing over Standardized product；The transaction petty cash is used for when settlement amounts identified after actual handing over are greater than the order value, Carry out volume settlement process of making up the difference.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing Device performs the steps of when executing the computer program
Receive electronic order；The electronic order includes non-standard product；The non-standard product, be settlement amounts according to The product of actual handing over and determination；The non-standard product has corresponding order value；
Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment；The friendship Easy petty cash, for carrying out volume clearing of making up the difference when settlement amounts identified after actual handing over are greater than the order value Processing.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor It is performed the steps of when row
Receive electronic order；The electronic order includes non-standard product；The non-standard product, be settlement amounts according to The product of actual handing over and determination；The non-standard product has corresponding order value；
Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment；The friendship Easy petty cash, for carrying out volume clearing of making up the difference when settlement amounts identified after actual handing over are greater than the order value Processing.
Method of payment, device, computer equipment and the computer readable storage medium of above-mentioned electronic transaction pass through identification electricity Non-standard product in sub- order determines transaction petty cash according to the order value of non-standard product, and according to order value and Transaction petty cash is paid, thus by disposable delivery operation, can after there is actual handing over identified knot When calculating the case where amount of money is greater than order value, volume settlement process of making up the difference automatically is carried out, is carried out by other means without user Volume of making up the difference clearing solve the problems, such as that user carries out electronic transaction and needs to expend more time and operation.
Detailed description of the invention
Fig. 1 is a kind of flow diagram of the method for payment of electronic transaction of one embodiment；
Fig. 2 is a kind of applied environment figure of the method for payment of electronic transaction of one embodiment；
Fig. 3 is a kind of schematic diagram of shopping cart of one embodiment；
Fig. 4 is a kind of schematic diagram that e-payment is carried out for order value and transaction petty cash of one embodiment；
Fig. 5 is a kind of flow diagram of the method for payment of electronic transaction of one embodiment；
Fig. 6 is a kind of flow diagram of the method for payment of electronic transaction of one embodiment；
Fig. 7 is a kind of flow diagram of the method for payment of electronic transaction of one embodiment；
Fig. 8 is a kind of flow diagram of electronic transaction of one embodiment；
Fig. 9 is a kind of structural block diagram of the payment mechanism of electronic transaction of one embodiment；
Figure 10 is a kind of structural block diagram of the payment mechanism of electronic transaction of one embodiment；
Figure 11 is a kind of structural block diagram of the payment mechanism of electronic transaction of one embodiment；
Figure 12 is a kind of structural block diagram of the payment mechanism of electronic transaction of one embodiment；
Figure 13 is a kind of internal structure chart of computer equipment of one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not For limiting the application.
In one embodiment, as shown in Figure 1, providing a kind of method of payment of electronic transaction.It is provided in this embodiment The method of payment of electronic transaction can be applied in application environment as shown in Figure 2.In the application environment of the embodiment of the present application In, it may include trading server 210, purchaser terminal 220 and seller's terminals 230.Wherein, trading server 210 can be list A server or the server cluster being made of multiple servers.Purchaser terminal 220 and seller's terminals 230, can be, but not limited to It is various personal computers, laptop, smart phone, tablet computer and portable wearable device.
The method of payment of one of the present embodiment electronic transaction, the trading server 210 being applied in Fig. 2 in this way For be illustrated, comprising the following steps:
Step S110 receives electronic order；Electronic order includes non-standard product；Non-standard product is settlement amounts root The product of determination according to actual handing over；Non-standard product has corresponding order value.
Wherein, non-standard product can need according to actual handing over the product of determination for actual settlement amounts.In reality In the electronic transaction on border, the product of veterinary antibiotics, meat etc., due to the links such as inventory, weighing, packaging, transport there are it is various not It determines factor, seller user is caused to be difficult to accurately deliver according to quantity, weight, the model in electronic order, it therefore, should Class product belongs to non-standard product.For example, under buyer user single 500g crucian, but be difficult to deliver one in reality just For the crucian of 500g, it is generally the case that seller user can only select the crucian delivery close to 500g as far as possible.
Wherein, order value is the quantity, weight and/or model according to non-standard product that are placed an order according to buyer user The information of the amount of money counting, needing to prepay before actual handing over.
In the specific implementation, buyer user can log in some online shopping site in purchaser terminal 220, buyer user can be with It places an order in online shopping site shopping goods, and to some or multiple products, forms electronic order, pass through purchaser terminal 220 Submit electronic order to trading server 210.
For example, buyer user chooses on some fresh shopping website, the product that buyer user will buy is added to purchase Object vehicle, finishes when choosing, then can place an order to the product in shopping cart.
Fig. 3 is a kind of schematic diagram of shopping cart of one embodiment.As shown, buyer user is by loose fish head 500g (gram), Pig spareribs 300g, crucian 500g, pakchoi 500g are added to shopping cart.Buyer user can click " placing an order " button, buy Family's terminal 220 can be according to the product formation electronic order in the shopping cart, and submits electronic order to trading server 210.
Wherein, the label of each product can be identified in electronic order, the label is for distinguishing whether the product is non- Standardized product.
In practical application, the label of product can not also be identified in electronic order, and trading server 210 can be in electronics In multiple products of order, non-standard product is identified.For example, non-standard product title can be preset, it, will in identification Product is matched with preset non-standard product title, and matched product is non-standard product.In another example can set in advance The product type for determining non-standard product, when the product type of some product of electronic order meets preset product type, the production Product are non-standard product.
Certainly, those skilled in the art can identify non-standard product in several ways, and the embodiment of the present application is to tool The identification method of the non-standard product of body is with no restriction.
In addition, non-standard product has corresponding order value.The order value can be all non-standard products and calculate always The order value obtained after valence.
With reference to Fig. 3, it can identify that loose fish head, Pig spareribs, crucian, pakchoi are non-standard product.Wherein, non-standard production The total price of product is " 47.88 ", i.e. order value in the electronic order.
Step S120 generates transaction petty cash, and according to order value and transaction petty cash, carries out e-payment；Transaction Petty cash, for carrying out volume settlement process of making up the difference when settlement amounts identified after actual handing over are greater than order value.
Wherein, transaction petty cash can have the information of petty cash amount of money numerical value for record.
Wherein, settlement amounts can have the information of settlement amounts numerical value for record.Settlement amounts numerical value is according to seller user Actual handing over is determined to the quantity, weight and/or model of the non-standard product of buyer user.
In the specific implementation, the transaction petty cash of current electronic order can be directed to.Calculating transaction petty cash can have more Kind specific implementation.
In one of specific implementation, a petty cash ratio can be preset, then, by petty cash ratio under Single amount of money, obtained number is as transaction petty cash.For example, default petty cash ratio is 15%, order value is 47.88 yuan, Petty cash=the 47.88*15%=7.18 that trades is first.
In another specific implementation, a fixed number can be preset, as transaction petty cash.
Certainly, those skilled in the art can calculate transaction petty cash using various specific implementations, and the application is implemented Example trades petty cash calculation with no restriction to specific.
In the specific implementation, according to order value and can trade spare after determining order value and transaction petty cash Gold carries out e-payment to electronic order.
For example, order value and transaction petty cash can be merged, obtained total amount, as advance payment before delivering.Needle To advance payment before delivering, order payment information is generated, purchaser terminal 220 can pass through electronics branch according to order payment information The mode paid, advance payment before payment is delivered, that is, payment order value and transaction petty cash, thus according to order value and friendship Easy petty cash carries out drawing account.
It should be noted that in practical applications, the concrete form for petty cash of trading, the shopping in addition to that can also be user Integral, ideal money etc..The petty cash for example, buyer user can be traded using dummy payments, can also be accumulated by shopping Divide the mode of deduction, payment transaction petty cash.Those skilled in the art can set the tool of transaction petty cash according to actual needs Body form.
Fig. 4 is a kind of schematic diagram that e-payment is carried out for order value and transaction petty cash of one embodiment.Such as Shown in figure, buyer user needs to pay 58.06, including order value when carrying out e-payment to non-standard product 47.88 yuan, 7.18 yuan of petty cash of transaction and dispatching take 3 yuan.
After completing e-payment, seller user can be notified to deliver, seller user can be according to electronic order Requirement non-standard product is shipped to buyer user, to complete to deliver.After completing to deliver, then final friendship can be carried out Easily clearing.When final settlement of transactions, settlement amounts are the non-standard products according to actual handing over and determine.However, selling household Family actual handing over to buyer user non-standard product, may quantity, weight, in terms of and electronic order it is inconsistent, Therefore, settlement amounts and order value are inconsistent, and settlement amounts may be greater than order value, that is, buyer user is before delivery The order value paid is not sufficient to pay the non-standard product of actual handing over.For settlement amounts beyond order value Difference, in the embodiment of the present application, then the transaction petty cash that can be paid in advance using buyer user, at the volume clearing that make up the difference Reason.
Specifically, it when settlement amounts exceed order value, for exceeding the difference of part, can be detained in transaction petty cash It takes, to complete settlement of transactions.For example, under buyer user list 500g crucian, pay 10 yuan of order value, meanwhile, buyer User pays 5 yuan of transaction petty cash.Seller user's actual handing over be 650g crucian, settlement amounts be 13.14 yuan, this When then can take off 3.14 yuan from 10 yuan of petty cash of transaction, by take off 3.14 yuan, together with 10 yuan of buyer user's payment Order value draws account to seller user, and seller user can then collect to 13.14 yuan, and not need buyer user and seller It makes up the difference by other means between user volume, saves time and operation that both sides carry out electronic transaction.
It should be noted that in practical applications, the method for payment of electronic transaction provided by the embodiments of the present application can also be with Applied to purchaser terminal 220.For example, a payment application can be installed in purchaser terminal, is applied by the payment, receive electronics Order, and identify the non-standard product in electronic order, according to the order value of non-standard product, determine transaction petty cash, root E-payment is carried out according to order value and transaction petty cash.
It should be further noted that in practical applications, in addition to non-standard product, can also include in electronic order Standardized product.It, can order value one to standardized product in above-mentioned steps S140 in the case where including standardized product And carry out e-payment.
According to the technical solution of the embodiment of the present application, by the non-standard product in identification electronic order, according to non-standard The order value of product determines transaction petty cash, and is paid according to order value and transaction petty cash, thus by primary Property delivery operation, can settlement amounts identified after there is actual handing over be greater than order value the case where when, automatically Ground carries out volume settlement process of making up the difference, and carries out volume clearing of making up the difference by other means without user, solves user and carries out electronics friendship The problem of easily needing to expend more time and operation.
Moreover, in the prior art, seller user and buyer user are often made up the difference by way of sky transaction volume, i.e. buyer User negotiates with seller user in advance, is placed an order by buyer user and buys some product, and to the production payment difference, but sells household Family, which need not be delivered, carries out last clearing, thus pays difference to seller user.Above-mentioned is made up the difference by sky transaction The mode of volume wastes the process resource of trading server.By the technological means of preparatory payment transaction petty cash, without passing through The mode of sky transaction is made up the difference volume, avoids trading server since the empty transaction of processing leads to the problem of wasting process resource.
Further, it by the technological means of the prepaid transaction petty cash before actual handing over, is handed over even if seller user is practical The non-standard product that settlement amounts are more than order value has been paid, the amount of money for meeting institute's delivered product still can be collected, has been guaranteed The fairness of electronic transaction.
In another embodiment, the step S120, comprising:
Obtain petty cash calculating parameter；According to order value and petty cash calculating parameter, the transaction petty cash is calculated.
Wherein, petty cash calculating parameter can be the parameter for calculating transaction petty cash.
In the specific implementation, a proportionality coefficient can be preset, as petty cash calculating parameter.It can also be according to current The information such as product type, the rule of origin region of non-standard product, one petty cash calculating parameter of in-time generatin.This field skill Art personnel can petty cash calculating parameter determine according to actual needs acquisition modes.
After obtaining petty cash calculating parameter, according to order value and petty cash calculating parameter, transaction can be calculated Petty cash.For example, petty cash calculating parameter is a proportionality coefficient, by proportionality coefficient multiplied by order value, obtained product is made For petty cash of trading.In another example petty cash calculating parameter can be one group of numerical value, including proportionality coefficient and spare auri Obtained product is added petty cash radix by transaction petty cash multiplied by proportionality coefficient by number, obtains transaction petty cash.
In another embodiment, petty cash calculating parameter is petty cash ratio, is calculated according to order value and petty cash Parameter calculates transaction petty cash, comprising:
The product for calculating the order value and the petty cash ratio obtains transaction petty cash.
In the specific implementation, can be using petty cash ratio as petty cash calculating parameter.Petty cash ratio can compare for one Example coefficient, such as 1.5%.Those skilled in the art can set the specific value of petty cash ratio according to actual needs.Then, will Order value and petty cash ratio are multiplied, and obtained product is as transaction petty cash.In other words, transaction petty cash is to place an order It is calculated on the basis of the amount of money.
In practical applications, after actual handing over, difference between settlement amounts and order value has with order value Certain proportionate relationship, if may have transaction petty cash as transaction petty cash using Flat Amount and be not enough to make up The case where difference.For example, 100 yuan/jin of unit price of some non-standard product, 10 jin of lower list, order value are 1000 yuan, if will It is used as transaction petty cash for 10 yuan by norm, when actual handing over is 10.2 jin, settlement amounts are 1020 yuan, and difference is 20 yuan, can not It is made up the difference volume by transaction petty cash.If calculating transaction petty cash using petty cash ratio 5%, transaction petty cash is 50 yuan, it is sufficient to It is made up the difference volume by transaction petty cash.
According to the technical solution of the embodiment of the present application, by petty cash ratio is multiplied to obtain with order value trade it is spare Gold possibly can not make up the difference when avoiding Flat Amount as transaction petty cash so as to which transaction petty cash is accurately calculated The problem of volume.
In another embodiment, petty cash calculating parameter is obtained, comprising:
Determine the product type of non-standard product；According to the product type of non-standard product, petty cash ratio is generated.
In the specific implementation, petty cash ratio can be generated according to the product type of non-standard product.For example, product type is The lower vegetables of unit price, the difference between its usual settlement amounts and order value is smaller, can be generated lower 5% as standby With golden ratio.In another example product type is the higher meat of unit price, the difference between its usual settlement amounts and order value compared with Greatly, it can be generated higher 10% and be used as petty cash ratio.
In practical applications, the corresponding petty cash ratio of various products type can be preset, determines currently nonstandard After the product type of quasi- product, it can determine corresponding petty cash ratio.
According to the technical solution of the embodiment of the present application, by generating petty cash ratio according to the product type of non-standard product Example, corresponding petty cash ratio can be flexibly generated according to different product types, so as to calculate more meet it is nonstandard The transaction petty cash of the product type of quasi- product.
In another embodiment, according to order value and transaction petty cash, e-payment is carried out, comprising:
According to order value and transaction petty cash, obtain delivering preceding advance payment；According to advance payment before delivering, generation is ordered Single payment information；Order payment information is sent to purchaser terminal, advance payment before delivering is paid for buyer.
In the specific implementation, can generate one according to order value and transaction petty cash delivers preceding advance payment.For example, can With by order value and transaction petty cash total amount, as deliver before advance payment.Then, it includes pre- before delivering for generating one Pay the amount of money, order value, trade petty cash order payment information, which is sent to purchaser terminal 220, is bought Family's terminal 220 can show an order payment interface according to order payment information, which may include having friendship Information, the buyer user such as advance payment, order value, transaction petty cash can be in purchaser terminals 220, according to order branch before paying The information on interface is paid, e-payment is carried out, advance payment before being delivered with payment, that is, payment order value and transaction petty cash.
In another embodiment, it according to order value and the transaction petty cash, obtains delivering preceding advance payment, wrap It includes:
Order value is merged with transaction petty cash, obtains delivering preceding advance payment.
In the specific implementation, order value and transaction petty cash can be merged into advance payment before delivery, that is, will be non-standard The order value of product is added with transaction petty cash, and obtained total amount is as advance payment before delivering.
It, can be with if further including having standardized product in electronic order it should be noted that in actual electronic transaction By the total amount of the order value of standardized product, the order value of non-standard product and petty cash, as advance payment before delivering.
In another embodiment, electronic order has corresponding petty cash account, spare according to order value and transaction Gold obtains delivering preceding advance payment, comprising:
Inquire the account balance of petty cash account；Judge whether account balance is greater than transaction petty cash；If so, will place an order The amount of money, as advance payment before delivering；If it is not, then further calculating the remaining sum difference of account balance and petty cash of trading, and will Order value merges with remaining sum difference, obtains delivering preceding advance payment.
It should be noted that might have remaining transaction petty cash after volume clearing of making up the difference, remaining transaction is spare Gold can be stored in the petty cash account of buyer user.
In the specific implementation, can determine corresponding petty cash account according to electronic order, the account of petty cash account is inquired Remaining sum, judges whether account balance is enough payment transaction petty cash.If account balance is enough to pay current calculated transaction Petty cash, then can be directly using order value as advance payment before delivering, that is, buyer user currently only needs to pay the gold that places an order Volume is then mended using the account balance of petty cash account when identified settlement amounts are greater than order value after actual handing over Difference.
If account balance is not sufficient to pay current calculated transaction petty cash, account balance can be further calculated With the difference of transaction petty cash, remaining sum difference is obtained, order value and remaining sum difference are merged into the preceding advance payment of delivery, that is, Buyer user currently only needs to pay order value and remaining sum difference, under identified settlement amounts are greater than after actual handing over When single amount of money, then made up the difference volume using the account balance in remaining sum difference and petty cash account.
In another embodiment, after actual handing over, when settlement amounts are greater than order value, further includes:
Calculate the volume to be made up the difference between settlement amounts and order value；Volume to be made up the difference is taken off in transaction petty cash, with complete The volume settlement process of making up the difference of pairs of settlement amounts.
In the specific implementation, purchaser terminal 220 or seller's terminals 230 can send a delivery after actual handing over Completion notice to trading server 210, trading server 210 can trigger volume settlement process of making up the difference.Carrying out volume clearing of making up the difference When processing, identified settlement amounts after actual handing over are obtained first.For example, seller's terminals 230 can be by the non-of actual handing over Quantity, weight, the model of standardized product are sent to trading server 210, and trading server 210 is according to the nonstandard of actual handing over Quantity, weight, the model of quasi- product, it can calculate settlement amounts.Then, it calculates between settlement amounts and order value Difference obtains volume to be made up the difference.Finally, volume to be made up the difference is taken off in transaction petty cash, to complete volume settlement process of making up the difference.This Outside, clearing payment processing can also be carried out to seller user according to settlement amounts.
According to the technical solution of the embodiment of the present application, in the clearing after actual handing over, place an order when settlement amounts are greater than When the amount of money, by automatically carrying out volume settlement process of making up the difference, carries out volume clearing of making up the difference by other means without user, save User carries out time and the operation of electronic transaction.
In another embodiment, further includes:
Calculate petty cash remaining sum to be moved back；Petty cash remaining sum to be moved back obtains after the volume of making up the difference to take off in transaction petty cash Remaining sum；Petty cash remaining sum to be moved back is retracted into petty cash account.
In the specific implementation, in volume settlement process of making up the difference, it, may be also after taking off in transaction petty cash wait the volume of making up the difference Remaining transaction petty cash, remaining transaction petty cash, as petty cash remaining sum to be moved back, petty cash remaining sum to be moved back can be retracted into The petty cash account of buyer user.
It should be noted that the transaction petty cash paid before actual handing over, in addition to for carrying out volume clearing of making up the difference The remaining sum of transaction petty cash after the volume of making up the difference can also be retracted into petty cash account, by automatically carrying out move back less by processing more It mends, in addition the remaining sum of transaction petty cash is extracted, drawn without user the operation of account etc., save the operating quantity of user.
According to the technical solution of the embodiment of the present application, by the way that the remaining sum obtained after the volume of making up the difference will be taken off in transaction petty cash It is retracted into petty cash account, the operation of manual extraction, stroke account etc. is carried out without remaining sum of the user to transaction petty cash, saves use The operating quantity at family.
In another embodiment, when settlement amounts are less than order value, further includes:
Transaction petty cash is retracted into petty cash account；And/or the difference to be moved back between calculating settlement amounts and order value Volume, and difference to be moved back is retracted into petty cash account.
In the specific implementation, when settlement amounts are less than order value then volume knot of making up the difference need not be carried out using transaction petty cash Therefore petty cash of trading can be retracted into the petty cash account of buyer user by calculation processing.
In the specific implementation, order value can be moved back beyond the part of settlement amounts when settlement amounts are less than order value Back to buyer user.Specifically, the difference between settlement amounts and order value can be calculated, as difference to be moved back, and will be to Move back the petty cash account that difference is retracted into buyer user.
It should be noted that carrying out volume knot of making up the difference without using transaction petty cash when settlement amounts are less than order value Therefore the difference to be moved back between petty cash, and/or settlement amounts and order value of trading can be retracted into spare by calculation processing Golden account, by automatically returning the overcharge and demand payment of the shortage, without user in addition between transaction petty cash, settlement amounts and order value Difference extract, draw the operation of account etc., save the operating quantity of user.
Pass through the petty cash that will trade when settlement amounts are less than order value according to the technical solution of the embodiment of the present application And/or difference to be moved back is retracted into petty cash account, without user to the difference between transaction petty cash, settlement amounts and order value Volume carries out the operation of manual extraction, stroke account etc., saves the operating quantity of user.
In another embodiment, further includes:
When trade petty cash be not enough to take off wait make up the difference volume when, calculate transaction petty cash and wait between the volume of making up the difference account mend Sufficient difference；It takes off account from petty cash account to make up the gap, to complete the volume settlement process of making up the difference to settlement amounts.
In the specific implementation, transaction petty cash may be not enough to take off volume to be made up the difference, therefore, can in petty cash account into Row is taken off.Specifically, transaction petty cash can be calculated and made up the gap wait the account between the volume of making up the difference, then from petty cash account In take off account and make up the gap, to complete the volume settlement process of making up the difference to settlement amounts.
In the specific implementation, when trade petty cash be not enough to take off wait make up the difference volume when, by calculate transaction petty cash with wait mend Account between difference is made up the gap, and is taken off account in petty cash account and made up the gap, and additional benefit is carried out without user Difference operation, as user carries out primary electron payment again.
According to the technical solution of the embodiment of the present application, made up the gap by taking off account in petty cash account, completion pair The volume settlement process of making up the difference of settlement amounts carries out additional volume operation of making up the difference without user, saves user and carry out electronic transaction Operating quantity.
In another embodiment, further includes:
It withdraws deposit request when receiving account, withdraws deposit to the account balance of petty cash account.
In the specific implementation, buyer user can withdraw deposit to the account balance in petty cash account.More specifically, buyer User can submit account to withdraw deposit request to trading server 210 by purchaser terminal 220, and trading server 210 receives account Family is withdrawn deposit after request, and the account balance of the buyer user is drawn the bank account that account is specified to buyer user.
According to the technical solution of the embodiment of the present application, withdrawn deposit by the account balance to petty cash account, so that with Family can neatly dominate the account balance of petty cash account.
In another embodiment, according to order value and transaction petty cash, carry out e-payment before, further includes:
Receive the bill payment request of purchaser terminal；
According to order value and transaction petty cash, e-payment is carried out, comprising:
Using the account balance of petty cash account, e-payment is carried out to order value and transaction petty cash.
In the specific implementation, buyer user can be paid order value and be traded standby by the account balance of petty cash account With gold.More specifically, buyer user can be at buyer's end before buyer user carries out e-payment by purchaser terminal 220 It chooses whether to carry out e-payment with the account balance of petty cash account on end 220, if buyer user's selection is purchaser terminal 220 can be generated bill payment request, and send account payment request to trading server 210, trading server 210 then from In the account balance of petty cash account, order value and transaction petty cash are taken off, to complete e-payment.
According to the technical solution of the embodiment of the present application, by being requested according to the bill payment of user, using petty cash account Account balance payment order value and transaction petty cash, thus, user can according to the demand of itself select use petty cash Account is paid, and the payment flexibility of electronic transaction is improved.
In another embodiment, further includes:
Obtain the lower single product recorded in electronic order；Obtain the product type of lower single product；Instantly the product of single product Type meets preset specific products type, determines that lower single product is non-standard product.
In the specific implementation, electronic order may include multiple lower single products, standardized product may include in lower single product And non-standard product.Trading server 210 can identify non-standard product in lower single product.More specifically, can be first The product type for obtaining lower single product, product type is matched with preset specific products type, when some lower single product Product type meet specific products type, which is non-standard product.
For example, include single product under Boxed beverage, pakchoi and Pig spareribs etc. in electronic order, product class respectively Type be beverage, vegetables and meat, vegetables, meat product type, belong to specific products type, accordingly, it is determined that pakchoi and pig Chop is non-standard product.
According to the technical solution of the embodiment of the present application, by determining non-standard product according to the product type of lower single product, Can accurately identify the non-standard product in electronic order, solve by standardized product be identified as non-standard product, to The problem of mistakenly calculating transaction petty cash.
In another embodiment, further includes:
It generates and delivers notice；It sends and delivers notice to seller's terminals, to notify seller to deliver non-standard product.
In the specific implementation, delivery notice can be generated in trading server 210 after completing e-payment, sends and deliver Notice can check electronic order after seller user receives delivery notice by seller's terminals 230 to seller's terminals 230, Non-standard product is shipped to buyer user according to the requirement of electronic order, to complete to deliver.
In another embodiment, as shown in figure 5, providing the method for payment of another electronic transaction, comprising:
Step S510 receives electronic order；Electronic order includes non-standard product；Non-standard product be settlement amounts according to The product of actual handing over and determination；Non-standard product has corresponding order value.
Step S520 generates transaction petty cash, and according to order value and transaction petty cash, carries out e-payment；Transaction Petty cash, for carrying out volume settlement process of making up the difference when settlement amounts identified after actual handing over are greater than order value；It hands over Easy petty cash is also used to be retracted into petty cash account when settlement amounts are less than order value.
In the specific implementation, buyer user can log in some online shopping site in purchaser terminal 220, buyer user can be with It places an order in online shopping site shopping goods, and to some or multiple products, forms electronic order, pass through purchaser terminal 220 Submit electronic order to trading server 210, then, the transaction that Current electronic transaction can be generated in trading server 210 is spare Gold.After determining order value and transaction petty cash, electronic order can be carried out according to order value and transaction petty cash E-payment.
After completing e-payment, seller user can be notified to deliver, seller user can be according to electronic order Requirement non-standard product is shipped to buyer user, to complete to deliver.After completing to deliver, then final friendship can be carried out Easily clearing.When clearing, when settlement amounts are greater than order value, settlement amounts is exceeded with the difference of order value, can be adopted The transaction petty cash paid in advance with buyer user, carries out volume settlement process of making up the difference.It is right when settlement amounts are less than order value Exceed the part of settlement amounts in order value, the petty cash account of buyer user can be retracted into.
According to the technical solution of the embodiment of the present application, by the payment transaction petty cash before actual handing over, in actual handing over It automatically returns the overcharge and demand payment of the shortage afterwards, carry out making up the difference without user volume clearing by other means, also without user to being not used for mending The operation that the transaction petty cash of difference withdraw deposit etc., saves time and operation that user carries out electronic transaction.
In another embodiment, as shown in fig. 6, providing a kind of electronic trade method, comprising:
Step S610 determines the settlement amounts of non-standard product after actual handing over non-standard product；Non-standard production Product, be settlement amounts according to actual handing over the product of determination；Non-standard product has corresponding order value；Order value, For the amount of money for having carried out e-payment to non-standard product before actual handing over；
Step S620 carries out volume settlement process of making up the difference using transaction petty cash when settlement amounts are greater than order value；It hands over Easy petty cash is the amount of money that e-payment has been carried out before actual handing over.
In the specific implementation, buyer user can log in some online shopping site in purchaser terminal 220, buyer user can be with It places an order in online shopping site shopping goods, and to some or multiple products, forms electronic order, pass through purchaser terminal 220 Submit electronic order to trading server 210, then, the transaction that Current electronic transaction can be generated in trading server 210 is spare Gold.After determining order value and transaction petty cash, electronic order can be carried out according to order value and transaction petty cash E-payment.
After completing e-payment, seller user can be notified to deliver, seller user can be according to electronic order Requirement, non-standard product is shipped to buyer user, to complete to deliver.It, then can be with after actual handing over non-standard product Carry out final settlement of transactions.
When clearing, compare settlement amounts and order value, it is super for settlement amounts when settlement amounts are greater than order value The difference of order value out, the transaction petty cash that can be paid in advance using buyer user, carries out volume settlement process of making up the difference.
Due in the aforementioned embodiment, make up the difference the treatment process of volume settlement process to using transaction petty cash, It is described in further detail, therefore details are not described herein.
According to the technical solution of the embodiment of the present application, by the non-standard product in identification electronic order, according to non-standard The order value of product determines transaction petty cash, and is paid according to order value and transaction petty cash, thus by primary Property delivery operation, can settlement amounts identified after there is actual handing over be greater than order value the case where when, automatically Ground carries out volume settlement process of making up the difference, and carries out volume clearing of making up the difference by other means without user, saves user and carries out electronics friendship The easy time and operation.
In another embodiment, it as shown in fig. 7, providing a kind of method of payment of electronic transaction, applies in this way It is illustrated for purchaser terminal 220 in Fig. 2, comprising the following steps:
Step S710 submits electronic order to trading server；Electronic order includes non-standard product；Non-standard product, For settlement amounts according to actual handing over the product of determination；Non-standard product has corresponding order value.
In the specific implementation, buyer user can log in some online shopping site in purchaser terminal 220, buyer user can be with It places an order in online shopping site shopping goods, and to some or multiple products, forms electronic order, pass through purchaser terminal 220 Submit electronic order to trading server 210.
Step S720 receives the order payment information that trading server returns；Order payment information is by trading server root It is obtained according to order value and transaction petty cash.
In the specific implementation, trading server 210 can determine order value and transaction petty cash according to electronic order, and Order value and transaction petty cash are merged into the preceding advance payment of delivery.Then, generate one include deliver before advance payment, under Single amount of money, trade petty cash order payment information, which is sent to purchaser terminal 220.
Step S730 carries out e-payment according to order payment information, for seller's actual handing over non-standard product；Transaction Petty cash, for carrying out volume settlement process of making up the difference when settlement amounts identified after actual handing over are greater than order value.
In the specific implementation, the order payment information that buyer user can receive according to purchaser terminal 220, carries out electronics branch It pays, advance payment before being delivered with payment, that is, payment order value and transaction petty cash.
After completing e-payment, seller user can be notified to deliver, seller user can be according to electronic order Requirement non-standard product is shipped to buyer user, to complete to deliver.After completing to deliver, then final friendship can be carried out Easily clearing.When clearing, trading server 210 compares settlement amounts and order value, right when settlement amounts are greater than order value Exceed the difference of order value in settlement amounts, the transaction petty cash that can be paid in advance using buyer user carries out volume of making up the difference Settlement process.
In another embodiment, before carrying out e-payment according to order payment information, further includes:
Generate order payment interface；Order payment interface include non-standard product, order value, transaction petty cash in extremely Few one kind；Show order payment interface.
In the specific implementation, purchaser terminal 220 can show an order payment interface, this is ordered according to order payment information Single payment interface may include the information such as advance payment before having delivery, order value, transaction petty cash, can also include buyer The information such as the non-standard product that user places an order.
With reference to Fig. 4, Fig. 4 is a kind of schematic diagram of order payment interface of one embodiment.In order payment interface, display Advance payment 58.06 before the delivery for needing to pay, including 47.88 yuan of order value, 7.18 yuan of petty cash of transaction and dispatching Take 3 yuan, further includes the non-standard product for thering is buyer user to place an order.
According to the technical solution of the embodiment of the present application, by generating order payment interface, buying before carrying out e-payment Family user can recognize the non-standard product currently to place an order, order value, transaction petty cash etc. by order payment interface User it should be understood that information, meet user demand, avoid user since non-standard product, order value, friendship can not be obtained The information such as easy petty cash lead to the wrong problem that places an order.
In another embodiment, further includes:
Generate petty cash account detail；Petty cash account detail include account balance, be stored in petty cash, petty cash of withdrawing deposit, Pay at least one of petty cash；Show petty cash account detail.
In the specific implementation, understanding the relevant information of petty cash account for the ease of buyer user, purchaser terminal 220 can be given birth to At a petty cash account detail, in petty cash account detail, can specifically include account balance, be stored in petty cash, withdraw deposit it is standby With the information of gold, payment petty cash etc., purchaser terminal 220 can show petty cash account detail to buyer user.
Deeply understand the embodiment of the present application for the ease of those skilled in the art, below with reference to Fig. 8 specific example into Row explanation.
Fig. 8 is a kind of flow diagram of electronic transaction of one embodiment.As shown, buyer user submits electricity first Sub- order is to trading server, and trading server identifies the non-standard product in electronic order, according under non-standard product Single amount of money calculates transaction petty cash according to certain petty cash ratio, and transaction petty cash is merged with order value, is obtained total The amount of money pays the total amount by buyer user.Then, trading server notifies seller user to deliver, non-in actual handing over After standardized product, settlement amounts are determined.If settlement amounts are more than order value, volume knot of making up the difference is carried out with transaction petty cash It calculates, if settlement amounts are less than order value, petty cash of trading is retracted into the petty cash account of buyer user.
It should be understood that although each step in the flow chart of Fig. 1, Fig. 5 to Fig. 7 is successively shown according to the instruction of arrow Show, but these steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly state otherwise herein, this There is no stringent sequences to limit for the execution of a little steps, these steps can execute in other order.Moreover, Fig. 1, Fig. 5 are extremely At least part step in Fig. 7 may include that perhaps these sub-steps of multiple stages or stage be not necessarily for multiple sub-steps It is so to execute completion in synchronization, but can execute at different times, these sub-steps or stage execute sequence Also it is not necessarily and successively carries out, but can be at least part of the sub-step or stage of other steps or other steps It executes in turn or alternately.
In one embodiment, as shown in figure 9, providing a kind of payment mechanism of electronic transaction, comprising: order reception mould Block 910 and petty cash generation module 920, in which:
Order reception module 910, for receiving electronic order；The electronic order includes non-standard product；It is described nonstandard Quasi- product, be settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding order value；
Petty cash generation module 920, for generating transaction petty cash, and it is spare according to the order value and the transaction Gold carries out e-payment；The transaction petty cash is greater than described place an order for settlement amounts identified after actual handing over When the amount of money, volume settlement process of making up the difference is carried out.
In another embodiment, the petty cash generation module 920, comprising:
Parameter acquisition submodule, for obtaining petty cash calculating parameter；Computational submodule, for according to the order value With the petty cash calculating parameter, the transaction petty cash is calculated.
In another embodiment, the petty cash calculating parameter is petty cash ratio, and the computational submodule is specific to use In: the product of the order value and the petty cash ratio is calculated, the transaction petty cash is obtained.
In another embodiment, the parameter acquisition submodule, is specifically used for: determining the product of the non-standard product Type；According to the product type of the non-standard product, the petty cash ratio is generated.
In another embodiment, the petty cash generation module 920, comprising:
The amount of money determines submodule, for obtaining delivering preceding advnace money on a contract according to the order value and the transaction petty cash Volume；Payment information generates submodule, for generating order payment information according to advance payment before the delivery；Payment information hair Submodule is sent, for sending the order payment information to purchaser terminal, for advance payment before buyer's payment delivery.
In another embodiment, the amount of money determines submodule, is specifically used for: by the order value and the transaction Petty cash merges, and obtains advance payment before the delivery.
In another embodiment, the electronic order has corresponding petty cash account, and the amount of money determines submodule, It is specifically used for: inquires the account balance of the petty cash account；Judge whether the account balance is greater than the transaction petty cash； If so, by the order value, as advance payment before the delivery；If it is not, then further calculate the account balance with The remaining sum difference of the transaction petty cash, and the order value is merged with the remaining sum difference, is obtained before the delivery in advance Pay the amount of money.
In another embodiment, after actual handing over, further includes:
Volume computing module to be made up the difference, for calculating the volume to be made up the difference between the settlement amounts and the order value；Button Modulus block, for taking off the volume to be made up the difference in the transaction petty cash, to complete the volume knot of making up the difference to the settlement amounts Calculation processing.
In another embodiment, the electronic order has corresponding petty cash account, further includes:
Amount of money computing module to be moved back, for calculating petty cash remaining sum to be moved back；The petty cash remaining sum to be moved back, in the friendship The remaining sum obtained after the volume of making up the difference is taken off in easy petty cash；Remaining sum retracts module, for by the petty cash remaining sum to be moved back It is retracted into the petty cash account.
In another embodiment, the electronic order has corresponding petty cash account, when the settlement amounts are less than When the order value, further includes:
Module is retracted, for the transaction petty cash to be retracted into the petty cash account, and/or, calculate the clearing Difference to be moved back between the amount of money and the order value, and the difference to be moved back is retracted into the petty cash account.
In another embodiment, the electronic order has corresponding petty cash account, further includes:
Account is made up the difference volume module, for when the transaction petty cash be not enough to take off it is described wait make up the difference volume when, described in calculating Transaction petty cash and the account wait between the volume of making up the difference are made up the gap；Account takes off module, is used for from the petty cash account In take off the account and make up the gap, to complete the volume settlement process of making up the difference to the settlement amounts.
In another embodiment, the electronic order has corresponding petty cash account, further includes:
It withdraws deposit module, for withdrawing deposit request when receiving account, withdraws deposit to the account balance of the petty cash account.
In another embodiment, the electronic order has corresponding petty cash account, further includes:
Request receiving module, the bill payment for receiving purchaser terminal are requested；
The petty cash generation module 920, comprising:
Bill payment submodule, for the account balance using the petty cash account, to the order value and described Petty cash of trading carries out e-payment.
In another embodiment, further includes:
Lower single product obtains module, for obtaining the lower single product recorded in the electronic order；Type acquisition module is used In the product type for obtaining the lower single product；Non-standard product determining module, for working as the product type of the lower single product Meet preset specific products type, determines that the lower single product is the non-standard product.
In another embodiment, further includes:
It notifies generation module, delivers notice for generating；Sending module is notified, for sending the delivery notice to seller Terminal, to notify seller to deliver the non-standard product.
In one embodiment, as shown in Figure 10, a kind of payment mechanism of electronic transaction is provided, comprising: order reception Module 1010 and petty cash generation module 1020, in which:
Order reception module 1010, for receiving electronic order；The electronic order includes non-standard product；It is described nonstandard Quasi- product be settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding order value；
Petty cash generation module 1020, for generating transaction petty cash, and it is standby according to the order value and the transaction With gold, e-payment is carried out；The transaction petty cash, for after actual handing over identified settlement amounts be greater than it is described under When single amount of money, volume settlement process of making up the difference is carried out；The transaction petty cash is also used to be less than the gold that places an order in the settlement amounts Petty cash account is retracted into when volume.
In one embodiment, as shown in figure 11, a kind of payment mechanism of electronic transaction is provided, comprising: settlement module It 1110 and makes up the difference volume module 1120, in which:
Settlement module 1110, for after actual handing over non-standard product, determining the clearing gold of the non-standard product Volume；The non-standard product, be settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding Order value；The order value is the amount of money for having carried out e-payment to the non-standard product before actual handing over；
Make up the difference volume module 1120, for when the settlement amounts are greater than the order value, using transaction petty cash into Capable volume settlement process of making up the difference；The transaction petty cash is the amount of money that e-payment has been carried out before actual handing over.
In one embodiment, as shown in figure 12, a kind of payment mechanism of electronic transaction is provided, comprising: order is submitted Module 1210, information receiving module 1220 and payment module 1230, in which:
Order submits module 1210, for submitting electronic order to trading server；The electronic order includes non-standard Product；The non-standard product, be settlement amounts according to actual handing over the product of determination；The non-standard product, which has, to be corresponded to Order value；
Information receiving module 1220, the order payment information returned for receiving the trading server；The order branch It pays information and is obtained by the trading server according to the order value and transaction petty cash；
Payment module 1230, for carrying out e-payment according to the order payment information, for seller's actual handing over institute State non-standard product；The transaction petty cash is greater than the gold that places an order for settlement amounts identified after actual handing over When volume, volume settlement process of making up the difference is carried out.
The specific of payment mechanism about electronic transaction limits the method for payment that may refer to above for electronic transaction Restriction, details are not described herein.Modules in the payment mechanism of above-mentioned electronic transaction can be fully or partially through software, hard Part and combinations thereof is realized.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, It can also be stored in a software form in the memory in computer equipment, execute the above modules in order to which processor calls Corresponding operation.
The payment mechanism of the electronic transaction of above-mentioned offer can be used for executing the electronic transaction that above-mentioned any embodiment provides Method of payment has corresponding function and beneficial effect.
In one embodiment, a kind of computer equipment is provided, which can be terminal, internal structure Figure can be as shown in figure 13.The computer equipment includes the processor connected by system bus, memory, network interface, shows Display screen and input unit.Wherein, the processor of the computer equipment is for providing calculating and control ability.The computer equipment Memory includes non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system and computer Program.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The meter The network interface for calculating machine equipment is used to communicate with external terminal by network connection.When the computer program is executed by processor To realize a kind of indoor orientation method of air borne sensor.The display screen of the computer equipment can be liquid crystal display or electricity Sub- ink display screen, the input unit of the computer equipment can be the touch layer covered on display screen, be also possible to computer Key, trace ball or the Trackpad being arranged on device housings can also be external keyboard, Trackpad or mouse etc..
It will be understood by those skilled in the art that structure shown in Figure 13, only part relevant to application scheme The block diagram of structure, does not constitute the restriction for the computer equipment being applied thereon to application scheme, and specific computer is set Standby may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, is stored in memory Computer program, the processor perform the steps of when executing computer program
Receive electronic order；The electronic order includes non-standard product；The non-standard product, be settlement amounts according to The product of actual handing over and determination；The non-standard product has corresponding order value；
Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment；The friendship Easy petty cash, for carrying out volume clearing of making up the difference when settlement amounts identified after actual handing over are greater than the order value Processing.
In one embodiment, it also performs the steps of to obtain petty cash and calculate when processor executes computer program and join Number；According to the order value and the petty cash calculating parameter, the transaction petty cash is calculated.
In one embodiment, the petty cash calculating parameter is petty cash ratio, when processor executes computer program The product for calculating the order value and the petty cash ratio is also performed the steps of, the transaction petty cash is obtained.
In one embodiment, it is also performed the steps of when processor executes computer program and determines the non-standard production The product type of product；According to the product type of the non-standard product, the petty cash ratio is generated.
In one embodiment, it also performs the steps of when processor executes computer program according to the order value With the transaction petty cash, obtain delivering preceding advance payment；According to advance payment before the delivery, order payment information is generated； The order payment information is sent to purchaser terminal, for advance payment before buyer's payment delivery.
In one embodiment, processor execute computer program when also perform the steps of by the order value with The transaction petty cash merges, and obtains advance payment before the delivery.
In one embodiment, the electronic order has corresponding petty cash account, and processor executes computer program When also perform the steps of the account balance for inquiring the petty cash account；Judge whether the account balance is greater than the friendship Easy petty cash；If so, by the order value, as advance payment before the delivery；If it is not, then further calculating the account The remaining sum difference of family remaining sum and the transaction petty cash, and the order value is merged with the remaining sum difference, it obtains described Advance payment before delivering.
In one embodiment, after actual handing over, when the settlement amounts are greater than the order value, processor The volume to be made up the difference calculated between the settlement amounts and the order value is also performed the steps of when executing computer program； The volume to be made up the difference is taken off, in the transaction petty cash to complete the volume settlement process of making up the difference to the settlement amounts.
In one embodiment, the electronic order has corresponding petty cash account, and processor executes computer program When also perform the steps of and calculate petty cash remaining sum to be moved back；The petty cash remaining sum to be moved back, to be detained in the transaction petty cash Take the remaining sum obtained after the volume of making up the difference；The petty cash remaining sum to be moved back is retracted into the petty cash account.
In one embodiment, the electronic order has corresponding petty cash account, when the settlement amounts are less than institute When stating order value, described in processor also performs the steps of when executing computer program and is retracted into the transaction petty cash Petty cash account；And/or difference to be moved back between the settlement amounts and the order value is calculated, and by the difference to be moved back Volume is retracted into the petty cash account.
In one embodiment, the electronic order has corresponding petty cash account, and processor executes computer program When also perform the steps of when the transaction petty cash be not enough to take off it is described wait make up the difference volume when, calculate the transaction petty cash It makes up the gap with the account wait between the volume of making up the difference；It takes off the account from the petty cash account to make up the gap, with complete The volume settlement process of making up the difference of the pairs of settlement amounts.
In one embodiment, the electronic order has corresponding petty cash account, and processor executes computer program When also perform the steps of and withdraw deposit request when receiving account, withdraw deposit to the account balance of the petty cash account.
In one embodiment, the electronic order has corresponding petty cash account, and processor executes computer program When also perform the steps of receive purchaser terminal bill payment request；It is described according to the order value and it is described transaction it is standby With gold, e-payment is carried out, comprising: using the account balance of the petty cash account, to the order value and the transaction Petty cash carries out e-payment.
In one embodiment, it is also performed the steps of when processor executes computer program and obtains the electronic order The lower single product of middle record；Obtain the product type of the lower single product；When the product type of the lower single product meet it is default Specific products type, determine the lower single product be the non-standard product.
In one embodiment, generation is also performed the steps of when processor executes computer program delivers notice；It sends The delivery notice is to seller's terminals, to notify seller to deliver the non-standard product.
In one embodiment, it is also performed the steps of when processor executes computer program
Receive electronic order；The electronic order includes non-standard product；The non-standard product be settlement amounts according to The product of actual handing over and determination；The non-standard product has corresponding order value；
Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment；The friendship Easy petty cash, for carrying out volume clearing of making up the difference when settlement amounts identified after actual handing over are greater than the order value Processing；The transaction petty cash is also used to be retracted into petty cash account when the settlement amounts are less than the order value.
In one embodiment, it is also performed the steps of when processor executes computer program
After actual handing over non-standard product, the settlement amounts of the non-standard product are determined；The non-standard product, For settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding order value；It is described to place an order The amount of money is the amount of money for having carried out e-payment to the non-standard product before actual handing over；
When the settlement amounts are greater than the order value, volume settlement process of making up the difference is carried out using transaction petty cash；Institute Transaction petty cash is stated, is the amount of money for having carried out e-payment before actual handing over.
In one embodiment, it is also performed the steps of when processor executes computer program
Submit electronic order to trading server；The electronic order includes non-standard product；The non-standard product is Settlement amounts product of determination according to actual handing over；The non-standard product has corresponding order value；
Receive the order payment information that the trading server returns；The order payment information is by the trading server It is obtained according to the order value and transaction petty cash；
E-payment is carried out according to the order payment information, for non-standard product described in seller's actual handing over；It is described Transaction petty cash, for carrying out volume knot of making up the difference when settlement amounts identified after actual handing over are greater than the order value Calculation processing.
In one embodiment, it is also performed the steps of when processor executes computer program and generates order payment interface； The order payment interface includes at least one of the non-standard product, the order value, the transaction petty cash；It is aobvious Show the order payment interface.
In one embodiment, it is bright that generation petty cash account is also performed the steps of when processor executes computer program Carefully；The petty cash account detail include account balance, be stored in petty cash, petty cash of withdrawing deposit, payment petty cash at least one Kind；Show the petty cash account detail.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated Machine program performs the steps of when being executed by processor
Receive electronic order；The electronic order includes non-standard product；The non-standard product, be settlement amounts according to The product of actual handing over and determination；The non-standard product has corresponding order value；
Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment；The friendship Easy petty cash, for carrying out volume clearing of making up the difference when settlement amounts identified after actual handing over are greater than the order value Processing.
In one embodiment, it is also performed the steps of when computer program is executed by processor and obtains petty cash calculating Parameter；According to the order value and the petty cash calculating parameter, the transaction petty cash is calculated.
In one embodiment, the petty cash calculating parameter is petty cash ratio, and computer program is executed by processor When also perform the steps of the product for calculating the order value and the petty cash ratio, obtain the transaction petty cash.
In one embodiment, it is described non-standard that determination is also performed the steps of when computer program is executed by processor The product type of product；According to the product type of the non-standard product, the petty cash ratio is generated.
In one embodiment, the gold that places an order according to is also performed the steps of when computer program is executed by processor Volume and the transaction petty cash, obtain delivering preceding advance payment；According to advance payment before the delivery, order disbursement letter is generated Breath；The order payment information is sent to purchaser terminal, for advance payment before buyer's payment delivery.
In one embodiment, it is also performed the steps of when computer program is executed by processor by the order value Merge with the transaction petty cash, obtains advance payment before the delivery.
In one embodiment, the electronic order has corresponding petty cash account, and computer program is held by processor The account balance for inquiring the petty cash account is also performed the steps of when row；It is described to judge whether the account balance is greater than Transaction petty cash；If so, by the order value, as advance payment before the delivery；If it is not, then further calculating described The remaining sum difference of account balance and the transaction petty cash, and the order value is merged with the remaining sum difference, obtain institute State the preceding advance payment of delivery.
In one embodiment, after actual handing over, when the settlement amounts are greater than the order value, computer Also performed the steps of when program is executed by processor calculate between the settlement amounts and the order value wait make up the difference Volume；The volume to be made up the difference is taken off, in the transaction petty cash to complete the volume settlement process of making up the difference to the settlement amounts.
In one embodiment, the electronic order has corresponding petty cash account, and computer program is held by processor It is also performed the steps of when row and calculates petty cash remaining sum to be moved back；The petty cash remaining sum to be moved back, in the transaction petty cash Take off the remaining sum obtained after the volume of making up the difference；The petty cash remaining sum to be moved back is retracted into the petty cash account.
In one embodiment, the electronic order has corresponding petty cash account, when the settlement amounts are less than institute It is also performed the steps of when stating order value, when computer program is executed by processor and the transaction petty cash is retracted into institute State petty cash account；And/or difference to be moved back between the settlement amounts and the order value is calculated, and by described wait move back Difference is retracted into the petty cash account.
In one embodiment, the electronic order has corresponding petty cash account, and computer program is held by processor Also performed the steps of when row when the transaction petty cash be not enough to take off it is described wait make up the difference volume when, it is spare to calculate the transaction It is golden to make up the gap with the account wait between the volume of making up the difference；The account is taken off from the petty cash account to make up the gap, with Complete the volume settlement process of making up the difference to the settlement amounts.
In one embodiment, the electronic order has corresponding petty cash account, and computer program is held by processor It also performs the steps of when row and withdraws deposit request when receiving account, withdraw deposit to the account balance of the petty cash account.
In one embodiment, the electronic order has corresponding petty cash account, and computer program is held by processor The bill payment request for receiving purchaser terminal is also performed the steps of when row；It is described according to the order value and the transaction Petty cash carries out e-payment, comprising: using the account balance of the petty cash account, to the order value and the friendship Easy petty cash carries out e-payment.
In one embodiment, the acquisition electronics is also performed the steps of when computer program is executed by processor to order The lower single product recorded in list；Obtain the product type of the lower single product；When the product type of the lower single product meet it is pre- If specific products type, determine the lower single product be the non-standard product.
In one embodiment, generation is also performed the steps of when computer program is executed by processor delivers notice；Hair Send the delivery notice to seller's terminals, to notify seller to deliver the non-standard product.
In one embodiment, it is also performed the steps of when computer program is executed by processor
Receive electronic order；The electronic order includes non-standard product；The non-standard product be settlement amounts according to The product of actual handing over and determination；The non-standard product has corresponding order value；
Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment；The friendship Easy petty cash, for carrying out volume clearing of making up the difference when settlement amounts identified after actual handing over are greater than the order value Processing；The transaction petty cash is also used to be retracted into petty cash account when the settlement amounts are less than the order value.
In one embodiment, it is also performed the steps of when computer program is executed by processor
After actual handing over non-standard product, the settlement amounts of the non-standard product are determined；The non-standard product, For settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding order value；It is described to place an order The amount of money is the amount of money for having carried out e-payment to the non-standard product before actual handing over；
When the settlement amounts are greater than the order value, volume settlement process of making up the difference is carried out using transaction petty cash；Institute Transaction petty cash is stated, is the amount of money for having carried out e-payment before actual handing over.
In one embodiment, it is also performed the steps of when computer program is executed by processor
Submit electronic order to trading server；The electronic order includes non-standard product；The non-standard product is Settlement amounts product of determination according to actual handing over；The non-standard product has corresponding order value；
Receive the order payment information that the trading server returns；The order payment information is by the trading server It is obtained according to the order value and transaction petty cash；
E-payment is carried out according to the order payment information, for non-standard product described in seller's actual handing over；It is described Transaction petty cash, for carrying out volume knot of making up the difference when settlement amounts identified after actual handing over are greater than the order value Calculation processing.
In one embodiment, it is also performed the steps of when computer program is executed by processor and generates order payment circle Face；The order payment interface include the non-standard product, the order value, it is described transaction petty cash at least one Kind；Show the order payment interface.
In one embodiment, it is also performed the steps of when computer program is executed by processor and generates petty cash account Detail；The petty cash account detail includes account balance, is stored in petty cash, petty cash of withdrawing deposit, pays in petty cash at least It is a kind of；Show the petty cash account detail.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.

Claims (10)

1. a kind of method of payment of electronic transaction characterized by comprising
Receive electronic order；The electronic order includes non-standard product；The non-standard product is settlement amounts according to reality The product delivered and determined；The non-standard product has corresponding order value；
Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment；The transaction is standby With gold, it is used to carry out volume settlement process of making up the difference when settlement amounts identified after actual handing over are greater than the order value.
2. a kind of method of payment of electronic transaction characterized by comprising
Receive electronic order；The electronic order includes non-standard product；The non-standard product is settlement amounts according to reality The product delivered and determined；The non-standard product has corresponding order value；
Transaction petty cash is generated, and according to the order value and the transaction petty cash, carries out e-payment；The transaction is standby With gold, it is used to carry out volume settlement process of making up the difference when settlement amounts identified after actual handing over are greater than the order value； The transaction petty cash is also used to be retracted into petty cash account when the settlement amounts are less than the order value.
3. a kind of method of payment of electronic transaction characterized by comprising
After actual handing over non-standard product, the settlement amounts of the non-standard product are determined；The non-standard product, for knot Calculation amount of money product of determination according to actual handing over；The non-standard product has corresponding order value；The order value, For the amount of money for having carried out e-payment to the non-standard product before actual handing over；
When the settlement amounts are greater than the order value, volume settlement process of making up the difference is carried out using transaction petty cash；The friendship Easy petty cash is the amount of money that e-payment has been carried out before actual handing over.
4. a kind of method of payment of electronic transaction characterized by comprising
Submit electronic order to trading server；The electronic order includes non-standard product；The non-standard product, for clearing Amount of money product of determination according to actual handing over；The non-standard product has corresponding order value；
Receive the order payment information that the trading server returns；The order payment information by the trading server according to The order value and transaction petty cash obtain；
E-payment is carried out according to the order payment information, for non-standard product described in seller's actual handing over；The transaction Petty cash, for when settlement amounts identified after actual handing over are greater than the order value, at the volume clearing that make up the difference Reason.
5. a kind of payment mechanism of electronic transaction characterized by comprising
Order reception module, for receiving electronic order；The electronic order includes non-standard product；The non-standard product, For settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding order value；
Petty cash generation module is carried out for generating transaction petty cash, and according to the order value and the transaction petty cash E-payment；The transaction petty cash is used for when settlement amounts identified after actual handing over are greater than the order value, Carry out volume settlement process of making up the difference.
6. a kind of payment mechanism of electronic transaction characterized by comprising
Order reception module, for receiving electronic order；The electronic order includes non-standard product；The non-standard product is Settlement amounts product of determination according to actual handing over；The non-standard product has corresponding order value；
Petty cash generation module is carried out for generating transaction petty cash, and according to the order value and the transaction petty cash E-payment；The transaction petty cash is used for when settlement amounts identified after actual handing over are greater than the order value, Carry out volume settlement process of making up the difference；The transaction petty cash is also used to retract when the settlement amounts are less than the order value To petty cash account.
7. a kind of payment mechanism of electronic transaction characterized by comprising
Settlement module, for determining the settlement amounts of the non-standard product after actual handing over non-standard product；It is described non- Standardized product, be settlement amounts according to actual handing over the product of determination；The non-standard product has corresponding order value； The order value is the amount of money for having carried out e-payment to the non-standard product before actual handing over；
It makes up the difference volume module, for carrying out volume of making up the difference using transaction petty cash when the settlement amounts are greater than the order value Settlement process；The transaction petty cash is the amount of money that e-payment has been carried out before actual handing over.
8. a kind of payment mechanism of electronic transaction characterized by comprising
Order submits module, for submitting electronic order to trading server；The electronic order includes non-standard product；It is described Non-standard product, be settlement amounts according to actual handing over the product of determination；The non-standard product has the corresponding gold that places an order Volume；
Information receiving module, the order payment information returned for receiving the trading server；The order payment information by The trading server is obtained according to the order value and transaction petty cash；
Payment module, for carrying out e-payment according to the order payment information, for non-standard described in seller's actual handing over Product；The transaction petty cash, for carrying out when settlement amounts identified after actual handing over are greater than the order value It makes up the difference volume settlement process.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists In when the processor executes the computer program the step of any one of realization 1 to 4 the method.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program The step of any one of claims 1 to 4 the method is realized when being executed by processor.
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CN111582854A (en) * 2020-04-23 2020-08-25 傲网信息科技（厦门）有限公司 Information management system for trading non-standard part commodities
CN112508547A (en) * 2020-12-21 2021-03-16 浙江吉利控股集团有限公司 Cash withdrawal execution method, system, computer device and storage medium
CN113902428A (en) * 2020-07-06 2022-01-07 北京信诺恒升科技有限公司 Settlement method, device and server

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CN109493028A (en) * 2018-11-20 2019-03-19 北京千丁互联科技有限公司 A kind of method of payment and device
CN109615363A (en) * 2019-01-04 2019-04-12 深圳壹账通智能科技有限公司 It polymerize method of payment, device, system, computer equipment and storage medium

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CN108596725A (en) * 2018-04-25 2018-09-28 合肥上城信息技术有限公司 Casual household's method of commerce on a kind of line Internet-based
CN109493028A (en) * 2018-11-20 2019-03-19 北京千丁互联科技有限公司 A kind of method of payment and device
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Effective date of registration: 20230626

Address after: Room 603, Xinghe Mingju Xingyingxuan, No. 27, Beijiang 3rd Road, Qingcheng District, Qingyuan, Guangdong 511500

Patentee after: Lu Weihong

Address before: Room 1806, No. 140-148, TIYU East Road, Tianhe District, Guangzhou, Guangdong 510000

Patentee before: Quick Date Technology (Guangzhou) Co.,Ltd.

Patentee before: Lu Weihong