CN110189114A - It is a kind of to divide account method based on the intelligence for unifying payment platform - Google Patents
It is a kind of to divide account method based on the intelligence for unifying payment platform Download PDFInfo
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- CN110189114A CN110189114A CN201910483408.1A CN201910483408A CN110189114A CN 110189114 A CN110189114 A CN 110189114A CN 201910483408 A CN201910483408 A CN 201910483408A CN 110189114 A CN110189114 A CN 110189114A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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Abstract
The invention discloses a kind of intelligence based on unified payment platform to divide account method, including each business root according to business demand, establishes trade company and uploads trade company's data；Trade company's data is audited；Channel initiates to request into part, acquirer audits trade company into part data into part from unified payment platform to the associated acquirer of trade company；Point account people and divide account parameter that confirmation business needs；Trade company and a point account people determine point account method after being arranged successfully；Channel of disbursement calculates each account point account amount of money according to a point account method for order status and setting automatically when payment, separates the corresponding amount of money automatically to each account while payment is completed, and completion divides account；Trade order information and corresponding point of account information are generated in unified payment management platform, unified payment trade company's portal, unified payment customer portals.Intelligence point account method of the invention solve point account bring process under line is cumbersome, complicated for operation, point account amount of money to the account period it is long the problems such as, improve a point account efficiency.
Description
Technical field
The present invention relates to internet payment technical field, in particular to a kind of intelligence based on unified payment platform divides account side
Method.
Background technique
With the development of company and the propulsion of internet process, relative functional areas are to Third-party payment and divide the need of account business
Ask further urgent, current each business needs voluntarily to dock third party's business platform, causes Zhi Fuyu points of account process cumbersome.Meanwhile
Since each business side needs voluntarily to manage Third-party payment account, point account account, there is management dispersion, nonstandard asks
Topic, and it is difficult to realize efficient, automatic point account process.
Summary of the invention
It is insufficient in above-mentioned background technique the purpose of the present invention is overcoming, a kind of intelligence point based on unified payment platform is provided
Account method is, it can be achieved that being arranged point account rule in unified payment platform or dividing account rule, payment by the way that interface is incoming in payment
Shi Zidong divides account, solve point account bring process under line is cumbersome, complicated for operation, point account amount of money to the account period it is long the problems such as, mention
It is high to divide account efficiency, meanwhile, divide account method by this intelligence, provide a variety of points of account strategies, simplify a point account process, polymerize
A variety of means of payment guarantee the spirit of service adaptation convenient for unified management, it can be achieved that efficient, diversified intelligence divides account mode
Activity cuts operating costs.
In order to reach above-mentioned technical effect, the present invention takes following technical scheme:
A kind of intelligence based on unified payment platform divides account method, the unified payment platform be a collection system of account,
The comprehensive payment platform that single business, Third-party payment channel and bank are directly connected, the unified payment platform are received in polymerization
Including unified payment management platform, unified payment trade company's portal, unified payment customer portals；Business division and intelligence of the invention
Point account method is based on this platform and carries out, by uniformly payment management platform be managed collectively system of account, audit system, Payment System,
Report system and a point account rule report and confirm；Unified payment trade company's portal management trade company's system, trade company's trade order, trade company point
Account rule is open-minded；Unified payment customer portals management corporate client system, point account information, divides account report at point account people system of account；
By the platform, a set of perfect online trading, automatic point account system can be established；
The intelligence based on unified payment platform divide account method the following steps are included:
A. each business root establishes trade company in unified payment platform and uploads trade company's data according to business demand；
B. trade company's data is audited, the qualification material that audit channel is needed into part；
C. channel initiates to request into part, acquirer pair into part from unified payment platform to the associated acquirer of trade company
Trade company is audited into part data, and is fed back to unified payment platform into part result；
D. point account people and divide account parameter that confirmation business needs；
E. point account method is determined after trade company and a point account people are arranged successfully；
Channel of disbursement calculates each account point account amount of money according to a point account method for order status and setting automatically when F. paying, and props up
It pays and separates the corresponding amount of money automatically to each account while completion, completion divides account；
G. trade order is generated in unified payment management platform, unified payment trade company's portal, unified payment customer portals
Information and corresponding point of account information；
In the method for the invention, the main body of point account method is trade company of each business side in platform；Point account method divides account
People is that trade company in platform registers and pass through the corporate client that channel is audited into part；Trade company and divide account per capita in platform system of account,
It is interrelated；It trades successfully, trade order details, point account details, point account report are checked by trade company's portal at any time by trade company；Divide account
People checks a point account order, point account amount of money by customer portals at any time；It trades successfully, T+1 is settled accounts successfully, and point account amount of money arrives automatically
Account, a point account people can withdraw deposit whenever and wherever possible.
Further, in the step A, business side includes the following three types method when unified payment platform establishes trade company:
The first is operation personnel's confirmation of prior and unified payment platform, submits trade company's data flat to unified payment management
Platform increases trade company newly in unified payment management platform；It increases newly successfully, after the approval to operation personnel, the success of trade company's access；
Second is voluntarily registered in unified payment trade company's portal, and operation personnel is in unified payment management platform confirmation registration
Audit passes through after information is errorless, the success of trade company's access；
The third is that merchant information is directly uploaded by interface, and operation personnel's audit passes through, the success of trade company's access.
Further, trade company's data at least trade company's essential information, payment and settlement information, bank account, user logs in
Information, agent's information, contract information.
It further, further include then being updated to trade company's state effectively when trade company's data passes through audit in the step B,
I.e. after the success of trade company's access, operation personnel audits trade company's data, and information is errorless, and audit passes through, and trade company's state is by increasing newly
Become effective；Merchant information is wrong, then operation personnel rejects, and after trade company's modification information is errorless, continues to audit, until passing through.
Further, in the step C, described into part result includes failing into part success and into part, when being into part result
Into when part success, then trade company the corresponding means of payment of acquirer and a point account rule can be used to be paid, point account and clearing, when
It is then to need the feedback according to acquirer into when part failure into part promoter, modify corresponding trade company's data and lay equal stress on into part result
Newly submit into part.
Further, point account people in the step D is in the corporate client for unifying payment platform registration, and corporate client
There are two kinds of implementation methods when registration:
The first is to put down in advance to platform is managed in unified payment management with operation personnel's confirmation, submission point account people data
Platform creation of new enterprise client；It increases newly successfully, operation personnel after the approval, divides the success of account people's access；
Second is voluntarily registered in customer portals, and operation personnel after the approval, divides the success of account people's access.
Further, point account method in the step E includes:
First point of account method: point account information is sent to operation personnel in advance, after operation personnel's confirmation message is errorless, is being united
One payment management platform corresponds to trade company, and typing divides account information；Trade company is errorless in unified payment trade company's portal confirmation and opens a point account
Function；Account will be divided automatically according to this point of account information and a point account rule when payment；It pays successfully, clearing are completed, and divide the account amount of money automatic
To account；
Second point of account method: divide account information by interface upload when payment；Payment is completed, and is believed automatically according to an incoming point account
Breath carries out a point account；Clearing are completed, and point account amount of money arrives account automatically；I.e. platform uses T+1 settlement mode, and clearing are completed, and divides the account amount of money
Automatically account is arrived, a point account report is automatically generated；Operation personnel can confirm point account order by unified payment management platform and divide account report
Table, trade company can divide account order by unified payment trade company's portal confirmation, divide account people by unified payment customer portals, confirmation divides account
The amount of money, and can withdraw deposit at any time.
Further, described point of account information includes at least: the service charge ratio that point account people, point account amount of money, point account are shared.
Further, the implementation process of first point of account method is as follows:
Point account information is sent to operation personnel in advance by S1.1 trade company；
S1.2 operation personnel passes through unified payment management platform, and related trade company is arranged divides account regular；
S1.3 selects to need the trade company of point account, and editor divides account information, and setting point account people, divides account validity period, is standby at point account ratio
Infuse information；Wherein, described point of account people must register and opened the enterprise that acquirer corresponds to channel in unified payment platform
Client, it is described that account ratio is divided to be the number not less than 0 and no more than 1；
S1.4 trade company opens a point account function by unified payment trade company's portal confirmation, can trade；
Then by above-mentioned first point of account method, channel divides automatic point of account rule according to order status and setting when payment
Account, automatic calculate divide the account amount of money；A point account is also completed while payment is completed；Trade company can log in unified payment trade company's portal at any time and look into
See a point account information；T+1 is settled accounts successfully, and point account amount of money arrives account automatically, and point account people checks and mentions at any time in unified payment customer portals
It is existing.
Further, it is ordered in the step G in the transaction that unified payment management platform and unified payment trade company's portal generate
Single information and corresponding point of account information include following information: O/No., order type, point account people, point account ratio, point account class
Type, point account service charge, divides account net amount, creation time at transaction amount；In the trade order information that unified payment customer portals generate
Include following information with corresponding point of account information: trade date, point account ratio, name of firm, point account amount of money, divides O/No.
Account service charge divides account people's information.
Compared with prior art, the present invention have it is below the utility model has the advantages that
It is a kind of to divide account method based on the intelligence for unifying payment platform, when can solve existing transaction flow using payment completion
The problem for voluntarily negotiating to divide process caused by the method for account cumbersome under line, it is flat that intelligence of the invention divides account method to be based on unified payment
Platform determines correlation point account account according to the demand of each business side, divides account parameter for each point of account account setup；It is obtained when payment
The corresponding channel point account strategy of current order status is taken, according to account strategy is divided, separates the corresponding amount of money automatically to each account, is tied
It calculates and completes that account can be arrived automatically, without transferring accounts under line；Meanwhile intelligence point account method of the invention also solves each business and needs certainly
Point account under line is needed when row docking Third-party payment platform, and process very complicated, point account parameter setting is chaotic, nonstandard asks
Topic；And unified standard interface is internally provided, simplify interconnected system divides account process；Externally adaptation multiple business side provides automatic
Point account process ensures and divides the accurate and efficient of account process and the amount of money, and realization divides account diversification, guarantees the flexibility of service adaptation,
It cuts operating costs, improves the intelligence and real-time of point account.
Detailed description of the invention
Fig. 1 is flow diagram when intelligence point account method of the invention uses first point of account method.
Fig. 2 is flow diagram when intelligence point account method of the invention uses second point of account method.
Specific embodiment
Below with reference to the embodiment of the present invention, the invention will be further elaborated.
Embodiment:
Embodiment one:
As shown in Figure 1, a kind of intelligence based on unified payment platform divides account method, unified payment platform is a collection account
System, polymerization receive the comprehensive payment platform that single business, Third-party payment channel and bank are directly connected, the unified payment
Platform includes unified payment management platform, unified payment trade company's portal, unified payment customer portals.
Specifically, the intelligence point account method includes following below scheme:
Step 1: trade company's access.
In the present embodiment, unified payment platform carries out trade company's admittable regulation, i.e., platform is firstly the need of collection trade company's data；Needle
Demand to each business side, platform are collected and examine to each trade company's data.
Wherein, trade company's access mode includes three kinds: unified payment management platform typing, unified payment trade company's portal are independently infused
Volume, external interface are synchronous.After trade company needs to submit related data to unified payment platform, and data is submitted successfully, waiting is runed
Personnel's audit, wherein the data of submission includes essential information, payment and settlement information, bank account, user login information, agency
Quotient's information, contract information, APPENDIX MATERIALSThe etc..
Step 2: trade company's audit.
Merchants register success, operation personnel audit trade company's qualification in unified payment management platform, audit trade company letter
The qualification material that breath and channel are needed into part.If the filled out information of trade company's access meets the requirements, audit passes through, then trade company's state by
It is newly-increased to become effective.The trade company of effective status just can be carried out payment, point account and the clearing of next step.If audit does not pass through, need
According to the failure feedback opinion of auditor, related data is modified, resubmits, waits pending.
Step 3: channel is into part.
After trade company is audited by operation personnel, channel is carried out into part；Platform is initiated from the associated acquirer of trend trade company
Into part application, acquirer audits trade company into part data, and feeds back to platform into part result；Into part success, trade company can
It is paid using the corresponding means of payment of acquirer and a point account rule, point account and clearing；Fail into part, is needed into part promoter
It to be fed back, modify corresponding trade company's data and be resubmited into part according to acquirer.
Step 4: divide account people (corporate client) access.
The trade company of unified each business side of payment platform carries out a point account if necessary, and a point account people must be corporate client, that is, exist
Branch is paid the bill when payment divides account regular according to setting, gives corresponding corporate client；Platform is directed to corporate client, also carries out visitor
Family admittable regulation；Wherein, corporate client access includes two kinds: unified payment management platform is newly-increased, corporate client portal is registered.Industry
Business side determines the corporate client data for needing point account, submits it to management platform, audit is by can be used as a point account ginseng
With divide account；Or business side confirms the corporate client for needing point account, voluntarily registers in customer portals, succeeds in registration and pass through fortune
Battalion personnel audit, audit participate in point account by can be used as point account people.
Wherein, it may participate in the precondition of point account are as follows: trade company is that acquirer is supported using the precondition of point account function
And acquirer has accepted trade company point account and has requested；If trade company's use divides account function, payment transaction, which will not be sent to, does not support a point account
Acquirer.If two dimensional code receives single business, acquirer A, B, C can collect money, but only A and B support divides account.Trade company M1
Two dimensional code gathering is opened, trade company M2 has opened two dimensional code gathering+point account；The transaction that trade company M1 is initiated, which can be transmitted to A, B, C, appoints
As soon as an acquirer of anticipating, but the transaction that M2 is initiated can only be sent to A, B acquirer.
Step 5: trade company opens a point account.
Divide account method firstly the need of determining, using point account information is sent to operation personnel in advance in the present embodiment, runs
After personnel's confirmation message is errorless, trade company is corresponded in unified payment management platform, typing divides account information.Trade company pays trade company unified
Portal confirmation is errorless and opens a point account function.Account will be divided automatically according to this point of account information and a point account rule when payment.It pays successfully,
Clearing are completed, and point account amount of money arrives account automatically.
Then, it is configured a point account parameter, point account information and a point account rule are sent to operation personnel in advance by trade company.Operation
Personnel put a point account rule on record acquirer while channel is into part in advance, since the clearing of platform trade company are using straight clear mould
Formula, a point account allocation of the funds are also required to be completed by acquirer.Operation personnel passes through unified payment management platform, and related trade company is arranged
Divide account information.Selection needs the trade company of point account, and editor divides account information, and (a point account people must be paid unified to setting point account people
Platform register and opened the corporate client that acquirer correspond to channel), point account ratio (must be within the scope of 0-100%), divide
The information such as account validity period, remarks wait trade company's confirmation, and trade company divides account state at this time are as follows: to be confirmed.
Finally, being opened or closed a point account function.After successfully point account parameter is arranged in management platform, trade company needs to log in unified branch
Trade company's portal is paid, into account setup module is divided, a point account function is opened or closed in autonomous selection.A point account function is opened, setting
Point account information comes into force in payment, divides account automatically according to a point account parameter.Closing divides account function, and setting divides account information in payment
It does not come into force, but does not influence to trade.In technical solution of the present invention, management platform setting divides after account information, and trade company can root
According to the demand of oneself, a point account function is opened/is closed in selection at any time, and flexibility ratio is high.If a point account function is opened in selection, platform is managed
Divide account state are as follows: effectively.If selection, which is closed, divides account function, platform point account state is managed are as follows: invalid.
Step 6: channel divides account setting to synchronize.
Divide account information to trade company's access channel synchronization, wherein even if point account information is arranged if it fails, nor affecting on
The arm's length dealing of trade company；If interrupting for various reasons when the channel of trade company's normal use, platform is automatically closed the channel and receives list
Function, transaction are not sent to the channel；Transaction is sent to the single channel of available receipts automatically by channel routing, therefore this is for trade company
It does not influence, improves the flexibility and intelligence of transaction.
Step 7: transaction divides account.
It is more points of account details according to a point account configuration split transactions, wherein after dividing the success of account parameter setting, user is
It can trade.Channel is automatically confirmed that according to order status, mode of doing business, a point account parameter.Divide account amount of money calculation method specific
Are as follows: payment amount divides account ratio multiplied by point account people A's, and the first later amount of money that rounds up is then a point account people A after decimal point
Divide the account amount of money, then divide payment amount to account ratio, the first later amount of money that rounds up after decimal point multiplied by point account people B
It is then point account amount of money of point account people B.It successively calculates and divides account, until having divided all point account people.Finally the total payoff amount of money is subtracted
The amount of money for giving each point of account people is exactly the remaining amount of money of trade company.Automatic calculating can be realized according to this calculation method when payment.
And a point account amount of money can be calculated after paying successfully automatically, the service charge that point account people shares, a point account result is obtained in real time.
Step 8: trade company's clearing.
I.e. trade company divides account by periodical balancing and according to configuration processing.Account people is then divided to log in unified payment customer portals, it can be with
Order information is obtained whenever and wherever possible and divides account information.Unified payment customer portals trades record module, has been shown in detail every
Transaction Details comprising trade date, O/No., point account ratio, name of firm, point account amount of money, point account service charge, divide account people to believe
Breath etc., can very easily view Transaction Information and point account information, and can export, convenient to check at any time.
Step 9: divide account report query.
It pays successfully, after the completion of clearing, platform will automatically generate a point account report.And in management platform-report management-trade company
Point account report shows point account net amount of the corresponding each point of account people of all trade companies for carrying out point account of each account day, point account trade gold
Volume, divides account refund amount, reimbursement stroke count at point account stroke count, divides the information such as account detail.Divide account report, detailed displaying by trade company
Trade company divides account situation, and operation personnel and financial staff is facilitated to count.
Embodiment two
As shown in Fig. 2, a kind of intelligence based on unified payment platform divides account method, unified payment platform is a collection account
System, polymerization receive the comprehensive payment platform that single business, Third-party payment channel and bank are directly connected, the unified payment
Platform includes unified payment management platform, unified payment trade company's portal, unified payment customer portals.
Specifically, the intelligence point account method includes following below scheme:
Step 1: trade company's access.
In the present embodiment, unified payment platform carries out trade company's admittable regulation, i.e., platform is firstly the need of collection trade company's data；Needle
Demand to each business side, platform are collected and examine to each trade company's data.
Wherein, trade company's access mode includes three kinds: unified payment management platform typing, unified payment trade company's portal are independently infused
Volume, external interface are synchronous.After trade company needs to submit related data to unified payment platform, and data is submitted successfully, waiting is runed
Personnel's audit, wherein the data of submission includes essential information, payment and settlement information, bank account, user login information, agency
Quotient's information, contract information, APPENDIX MATERIALSThe etc..
Step 2: trade company's audit.
Merchants register success, operation personnel audit trade company's qualification in unified payment management platform, audit trade company letter
The qualification material that breath and channel are needed into part.If the filled out information of trade company's access meets the requirements, audit passes through, then trade company's state by
It is newly-increased to become effective.The trade company of effective status just can be carried out payment, point account and the clearing of next step.If audit does not pass through, need
According to the failure feedback opinion of auditor, related data is modified, resubmits, waits pending.
Step 3: channel is into part.
After trade company is audited by operation personnel, channel is carried out into part；Platform is initiated from the associated acquirer of trend trade company
Into part application, acquirer audits trade company into part data, and feeds back to platform into part result；Into part success, trade company can
It is paid using the corresponding means of payment of acquirer and a point account rule, point account and clearing；Fail into part, is needed into part promoter
It to be fed back, modify corresponding trade company's data and be resubmited into part according to acquirer.
Step 4: divide account people (corporate client) access.
The trade company of unified each business side of payment platform carries out a point account if necessary, and a point account people must be corporate client, that is, exist
Branch is paid the bill when payment divides account regular according to setting, gives corresponding corporate client；Platform is directed to corporate client, also carries out visitor
Family admittable regulation；Wherein, corporate client access includes two kinds: unified payment management platform is newly-increased, corporate client portal is registered.Industry
Business side determines the corporate client data for needing point account, submits it to management platform, audit is by can be used as a point account ginseng
With divide account；Or business side confirms the corporate client for needing point account, voluntarily registers in customer portals, succeeds in registration and pass through fortune
Battalion personnel audit, audit participate in point account by can be used as point account people.
Wherein, it may participate in the precondition of point account are as follows: trade company is that acquirer is supported using the precondition of point account function
And acquirer has accepted trade company point account and has requested；If trade company's use divides account function, payment transaction, which will not be sent to, does not support a point account
Acquirer.If two dimensional code receives single business, acquirer A, B, C can collect money, but only A and B support divides account.Trade company M1
Two dimensional code gathering is opened, trade company M2 has opened two dimensional code gathering+point account；The transaction that trade company M1 is initiated, which can be transmitted to A, B, C, appoints
As soon as an acquirer of anticipating, but the transaction that M2 is initiated can only be sent to A, B acquirer.
Step 5: payment divides account.
It needs to be determined that dividing account method in this step, point account method used in the present embodiment is one kind without in management platform
The method with setting point account information is opened in advance with trade company portal, it is only necessary to be uploaded in payment by interface and be divided account information, specifically
It include: the service charge ratio that a point account people, point account amount of money, point account are shared.Completion is then paid, it will be automatically according to incoming information progress
Divide account.And after the completion of settling accounts, point account amount of money arrives account automatically.
Step 6: trade company's clearing.
I.e. trade company divides account by periodical balancing and according to configuration processing.Account people is then divided to log in unified payment customer portals, it can be with
Order information is obtained whenever and wherever possible and divides account information.Unified payment customer portals trades record module, has been shown in detail every
Transaction Details comprising trade date, O/No., point account ratio, name of firm, point account amount of money, point account service charge, divide account people to believe
Breath etc., can very easily view Transaction Information and point account information, and can export, convenient to check at any time.
Step 7: divide account report query.
It pays successfully, after the completion of clearing, platform will automatically generate a point account report.And in management platform-report management-trade company
Point account report shows point account net amount of the corresponding each point of account people of all trade companies for carrying out point account of each account day, point account trade gold
Volume, divides account refund amount, reimbursement stroke count at point account stroke count, divides the information such as account detail.Divide account report, detailed displaying by trade company
Trade company divides account situation, and operation personnel and financial staff is facilitated to count.
From the foregoing, it will be observed that The inventive process provides two kinds of intelligentized point of account methods, when payment according to prior setting or
Person's interface directly uploads the mode for dividing account parameter, and payment amount is given a point account people automatically.It pays successfully, trade company and divides account per capita
The real time inspection point account amount of money can be removed by portal, operation personnel and financial staff can divide account by a point account report real-time confirmation
Situation and whole trading situation.It solves that be formerly only available under line point account bring point account process cumbersome, and divides that the account period is long, efficiency
Low problem, can facilitate each business side unified payment platform efficiently, easily carry out transaction and point account, it is with higher practical
Property and more intelligent.
It is understood that the principle that embodiment of above is intended to be merely illustrative of the present and the exemplary implementation that uses
Mode, however the present invention is not limited thereto.For those skilled in the art, essence of the invention is not being departed from
In the case where mind and essence, various changes and modifications can be made therein, these variations and modifications are also considered as protection scope of the present invention.
Claims (10)
1. a kind of intelligence based on unified payment platform divides account method, which is characterized in that the unified payment platform is a collection
System of account, polymerization receive the comprehensive payment platform that single business, Third-party payment channel and bank are directly connected, the unification
Payment platform includes unified payment management platform, unified payment trade company's portal, unified payment customer portals；
The intelligence based on unified payment platform divide account method the following steps are included:
A. each business root establishes trade company in unified payment platform and uploads trade company's data according to business demand；
B. trade company's data is audited, the qualification material that audit channel is needed into part；
C. channel initiates to request into part, acquirer is to trade company into part from unified payment platform to the associated acquirer of trade company
It is audited into part data, and is fed back to unified payment platform into part result；
D. point account people and divide account parameter that confirmation business needs；
E. point account method is determined after trade company and a point account people are arranged successfully；
Channel of disbursement calculates each account point account amount of money according to a point account method for order status and setting automatically when F. paying, and has paid
At while to each account separate the corresponding amount of money automatically, completion divides account；
G. trade order information is generated in unified payment management platform, unified payment trade company's portal, unified payment customer portals
With corresponding point of account information.
2. a kind of intelligence based on unified payment platform according to claim 1 divides account method, which is characterized in that the step
In rapid A, business side includes the following three types method when unified payment platform establishes trade company:
The first is that the operation personnel of prior and unified payment platform confirms, submission trade company's data to unified payment management platform,
Trade company is increased newly in unified payment management platform；It increases newly successfully, after the approval to operation personnel, the success of trade company's access；
Second is voluntarily registered in unified payment trade company's portal, and operation personnel confirms registration information in unified payment management platform
Audit passes through after errorless, the success of trade company's access；
The third is that merchant information is directly uploaded by interface, and operation personnel's audit passes through, the success of trade company's access.
3. a kind of intelligence based on unified payment platform according to claim 1 divides account method, which is characterized in that the quotient
Family data at least trade company's essential information, payment and settlement information, bank account, user login information, agent's information, contract letter
Breath.
4. a kind of intelligence based on unified payment platform according to claim 1 divides account method, which is characterized in that the step
It further include then being updated to trade company's state effectively when trade company's data passes through audit in rapid B.
5. a kind of intelligence based on unified payment platform according to claim 1 divides account method, which is characterized in that the step
In rapid C, described into part result includes failing into part success and into part, and when being into when part success into part result, then trade company can be used
The corresponding means of payment of acquirer and a point account rule paid, point account and clearing, when being into when part failure, then into part result
The feedback according to acquirer is needed into part promoter, modify corresponding trade company's data and is resubmited into part.
6. a kind of intelligence based on unified payment platform according to claim 1 divides account method, which is characterized in that the step
Point account people in rapid D is the corporate client in unified payment platform registration, and has two kinds of implementation methods when corporate client registration:
The first is to submit point account people data to platform is managed, payment management platform is new unifying with operation personnel's confirmation in advance
Increase corporate client；It increases newly successfully, operation personnel after the approval, divides the success of account people's access；
Second is voluntarily registered in customer portals, and operation personnel after the approval, divides the success of account people's access.
7. dividing account method to any a kind of intelligence based on unified payment platform in 6 according to claim 1, feature exists
In point account method in the step E includes:
First point of account method: being sent to operation personnel for point account information in advance, after operation personnel's confirmation message is errorless, in unified branch
It pays management platform and corresponds to trade company, typing divides account information；Trade company is errorless in unified payment trade company's portal confirmation and opens a point account function；
Account will be divided automatically according to this point of account information and a point account rule when payment；It pays successfully, clearing are completed, and point account amount of money arrives account automatically；
Second point of account method: divide account information by interface upload when payment；Payment is completed, automatically according to it is incoming divide account information into
Row divides account；Clearing are completed, and point account amount of money arrives account automatically.
8. a kind of intelligence based on unified payment platform according to claim 7 divides account method, which is characterized in that described point
Account information includes at least: the service charge ratio that point account people, point account amount of money, point account are shared.
9. a kind of intelligence based on unified payment platform according to claim 7 divides account method, which is characterized in that described the
The implementation process of one point of account method is as follows:
Point account information is sent to operation personnel in advance by S1.1 trade company；
S1.2 operation personnel passes through unified payment management platform, and related trade company is arranged divides account regular；
S1.3 selects to need the trade company of point account, and editor divides account information, and setting point account people, point account ratio divide account validity period, remarks letter
Breath；Wherein, described point of account people must register and opened the corporate client that acquirer corresponds to channel in unified payment platform,
Described point of account ratio is the number not less than 0 and no more than 1；
S1.4 trade company opens a point account function by unified payment trade company's portal confirmation, can trade.
10. a kind of intelligence based on unified payment platform according to claim 1 divides account method, which is characterized in that described
The trade order information and corresponding point of account information generated in step G in unified payment management platform and unified payment trade company's portal
Including following information: O/No., order type, point account people, point account ratio, point account type, transaction amount, divide account service charge,
Divide account net amount, creation time；
It include following information: the day of trade in the trade order information of unified payment customer portals generation and corresponding point of account information
Phase, point account ratio, name of firm, point account amount of money, point account service charge, divides account people's information at O/No..
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| CN110570181A (en) * | 2019-09-18 | 2019-12-13 | 重庆欣业邦网络技术有限公司 | Intelligent gathering payment system of gas station |
| CN110610357A (en) * | 2019-09-18 | 2019-12-24 | 重庆欣业邦网络技术有限公司 | Intelligent gathering payment method for gas station |
| CN110619510A (en) * | 2019-09-18 | 2019-12-27 | 重庆爱车联信息技术有限公司 | Multi-state combined operation management system and method for gas station |
| CN111008811A (en) * | 2019-10-30 | 2020-04-14 | 北京航天云路有限公司 | B-end Internet e-commerce commission and settlement system and method |
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| CN110570181A (en) * | 2019-09-18 | 2019-12-13 | 重庆欣业邦网络技术有限公司 | Intelligent gathering payment system of gas station |
| CN110610357A (en) * | 2019-09-18 | 2019-12-24 | 重庆欣业邦网络技术有限公司 | Intelligent gathering payment method for gas station |
| CN110619510A (en) * | 2019-09-18 | 2019-12-27 | 重庆爱车联信息技术有限公司 | Multi-state combined operation management system and method for gas station |
| CN111008811A (en) * | 2019-10-30 | 2020-04-14 | 北京航天云路有限公司 | B-end Internet e-commerce commission and settlement system and method |
| CN111429060A (en) * | 2020-03-20 | 2020-07-17 | 上海中通吉网络技术有限公司 | Express bill payment management method and equipment |
| CN111429060B (en) * | 2020-03-20 | 2024-04-09 | 上海中通吉网络技术有限公司 | Express bill payment management method and equipment |
| CN111598557A (en) * | 2020-04-29 | 2020-08-28 | 上海瀚银信息技术有限公司 | Comprehensive payment service system |
| CN112435019A (en) * | 2020-06-12 | 2021-03-02 | 上海哔哩哔哩科技有限公司 | General settlement method, settlement server, system and storage medium for multi-service platform |
| CN111833169A (en) * | 2020-07-01 | 2020-10-27 | 中国建设银行股份有限公司 | Ledger management method and apparatus |
| CN111932232A (en) * | 2020-08-13 | 2020-11-13 | 李栋 | Cash register code system capable of setting multiple cash register accounts |
| CN112116340A (en) * | 2020-09-28 | 2020-12-22 | 中国建设银行股份有限公司 | Account distribution method and system based on bank merchant order receiving mode |
| CN112163858A (en) * | 2020-10-10 | 2021-01-01 | 福建酷享网络科技有限公司 | Transaction method, device and equipment |
| CN112633861A (en) * | 2020-12-18 | 2021-04-09 | 传化支付有限公司 | Method and device for distributing postpositional data, computer equipment and storage medium |
| CN112308471A (en) * | 2020-12-29 | 2021-02-02 | 浙江口碑网络技术有限公司 | Resource allocation method, device, system, equipment and computer readable storage medium |
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| CN114298703A (en) * | 2021-12-28 | 2022-04-08 | 商派软件有限公司 | Aggregated payment method and system |
| CN115496487A (en) * | 2022-09-21 | 2022-12-20 | 广州汇登信息科技有限公司 | Settlement method and device for supplier and seller, equipment and storage medium |
| CN116664139A (en) * | 2023-07-26 | 2023-08-29 | 福建喜购宝信息科技股份有限公司 | Settlement management system integrating multi-platform malls |
| CN116664139B (en) * | 2023-07-26 | 2023-10-27 | 福建喜购宝信息科技股份有限公司 | Settlement management system integrating multi-platform malls |
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