CN110610357A - Intelligent gathering payment method for gas station - Google Patents
Intelligent gathering payment method for gas station Download PDFInfo
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- CN110610357A CN110610357A CN201910881919.9A CN201910881919A CN110610357A CN 110610357 A CN110610357 A CN 110610357A CN 201910881919 A CN201910881919 A CN 201910881919A CN 110610357 A CN110610357 A CN 110610357A
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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
- G06Q20/22—Payment schemes or models
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The invention belongs to the technical field of payment, and particularly provides an intelligent aggregation payment method for a gas station, which comprises the following steps: a display step, displaying the information of the collection; a collection step of receiving the received money; an input step, inputting the amount of the transaction; an analysis step, according to the amount of the transaction, the optimal payment channel is analyzed; a recommendation step of displaying the result of the analysis step; selecting a payment channel of the transaction amount; and a payment step, carrying out payment according to the selected payment channel. By using the method, the merchant can obtain the suggestion of the optimal payment channel every time when paying, the payment channel is selected according to the suggestion, and the expenditure can be saved by only trading the commission fee every month.
Description
Technical Field
The invention relates to the technical field of payment, in particular to an intelligent aggregation payment method for a gas station.
Background
With the development of the internet, mobile payment appears, and compared with cash payment, the mobile payment greatly improves the payment speed of customers because the processes of receiving money and making change are omitted.
However, with the maturity of mobile payment technology, the types of mobile payment are more and more, and the mainstream code scanning payment has more than ten kinds, such as WeChat, Paibao, QQ wallet, and Jingdong payment. The merchant needs to frequently switch among various third party payment channels when receiving the payment, and the convenience is poor.
Therefore, aggregate payment appears, which means that the payment service is only engaged in the payment, settlement and clearing service except the payment, settlement and clearing service, and the payment service of more than one bank, non-silver organization or clearing organization is integrated together by depending on the bank, non-silver organization or clearing organization, by means of the payment channel and clearing capacity of the bank, non-silver organization or clearing organization and by utilizing the self technology and service integration capacity. That is, the plurality of different payment channels are integrated, and the received money enters the respective payment collection account of each payment channel.
The gas station merchant only needs to display the collection voucher of the aggregated payment during collection, and does not need to switch back and forth among various third-party payment channels, so that the collection efficiency of the merchant is greatly improved.
However, after receiving money, the gas station merchant faces complicated usage rules when using the received money, and not only are the rules of commission fees different among the payment channels, but also the rules of commission and time are different in the same payment channel.
Various business behaviors such as daily purchase, maintenance, accounting, wage of staff and the like of the gas station relate to the use of the money. If the money is used according to the default payment channel, only the commission fee becomes a considerable expense each month. How to reduce the handling cost as much as possible on the premise of not delaying the daily operation of the gas station becomes a problem to be solved urgently.
Disclosure of Invention
The invention provides an intelligent aggregation payment method for a gas station, aiming at the problem that only handling fees per month become a non-small expense by using money according to a default payment channel.
The basic scheme provided by the invention is as follows:
a gas station intelligent aggregate payment method comprises the following steps:
a display step, displaying the information of the collection;
a collection step of receiving the received money;
an input step, inputting the amount of the transaction;
an analysis step, according to the amount of the transaction, the optimal payment channel is analyzed;
a recommendation step of displaying the result of the analysis step;
selecting a payment channel of the transaction amount;
and a payment step, carrying out payment according to the selected payment channel.
Basic scheme theory of operation and beneficial effect:
after the displaying step and the collection step, the merchant receives the money, when the money is required to be used, the merchant inputs the used amount, the analyzing step analyzes the commission fee paid by the amount through each payment channel according to the used amount input by the merchant, and an optimal payment channel is obtained; and then, the recommendation step displays the analysis result of the analysis step, and the merchant can select the recommended optimal payment channel to carry out the payment step in the selection step.
Therefore, the merchant can obtain the suggestion of the optimal payment channel every time when paying, and the payment channel is selected according to the suggestion, so that the expenditure can be saved by only trading the commission fee every month.
Further, in the inputting step, the time of the transaction is also input; in the analyzing step, the optimal payment channel is analyzed according to the input transaction amount and the transaction time.
Some payment channels have different payment time and different handling fees, so that the optimal payment channel can be analyzed more accurately.
Further, in the recommending step, N recommended optimal payment channels exist, and ranking is carried out among the N recommended payment channels;
and a prompting step, namely prompting the merchant to reselect the payment channel when the account amount of the selected payment channel is not enough to complete the transaction, and returning to the selecting step.
In this way, when the account amount of the first-ranked recommended payment channel is insufficient to complete the transaction, the merchant may select the second-ranked recommended payment channel for payment. Similarly, when the account amount of the second-ranked payment channel is insufficient, the third-ranked recommended payment channel can be selected.
Further, the inputting step is also used for inputting a money time limit; and the recommending step is also used for screening out the payment channels which do not meet the payment time limit according to the input payment time limit.
Because the timeliness of the payment of each payment channel is different, the payment time limit is input in the input step, and the payment channels which do not meet the payment time limit are screened out in the recommendation step, so that the condition that the operation of a gas station is influenced when the payment is not timely can be prevented.
And further, the method also comprises a revenue analysis step, wherein the revenue condition of the gas station is analyzed according to a preset analysis model and the payment data.
After analyzing the gas station revenue and earning conditions, the operator can adjust the operation thought and the specific operation method by combining the operation target of the operator.
Further, in the revenue analysis step, the preset analysis model comprises a Logit regression model, and the revenue report is obtained by performing model calculation on the payment data according to the Logit regression model.
The Logit regression model can predict not only in a sample, but also data outside the sample. Through the Logit regression model, the revenue and earning conditions of the gas station can be accurately analyzed.
Further, in the revenue analysis step, the payment arrival data includes the payment arrival time, the payment arrival amount and the oil type of the payment arrival.
Through the data, the specific revenue situation of each time period of the gas station can be comprehensively analyzed.
And further, the method also comprises an account splitting step, wherein account splitting is carried out according to a preset account splitting rule.
Therefore, the earning profits can be separated according to the preset separation rule, the transparency is high, the flow is simple, and only the separation rule discussed by each household is needed to be set.
Further, the method also comprises a modification step of modifying the branch accounting rule; and in the step of splitting, splitting according to the modified splitting rule.
Thus, when each account owner considers that the current accounting rule is not reasonable, only the accounting rule needs to be modified according to the discussed new scheme.
Further, the method also comprises a reconciliation step, wherein the received money and the paid money are checked.
In this way, the merchant can clearly understand the composition of the account.
Drawings
FIG. 1 is a flowchart of a first embodiment of an intelligent aggregated payment method for a gas station according to the present invention;
fig. 2 is a logic block diagram of a first embodiment of an intelligent aggregated payment method for a gasoline station of the present invention.
Detailed Description
The following is further detailed by way of specific embodiments:
example one
As shown in fig. 1, an intelligent aggregation payment method for a gas station includes:
a display step, displaying the information of the collection;
a collection step of receiving the received money;
inputting the transaction amount, the transaction time and the payment time limit of the transaction;
and an analysis step, namely, after the payment channel which does not meet the payment time limit is screened out, the optimal payment channel of the transaction is analyzed according to the transaction amount and the transaction time of the transaction. Because the timeliness of the payment of each payment channel is different, the payment time limit is input in the input step, and the payment channels which do not meet the payment time limit are screened out in the recommendation step, so that the condition that the operation of a gas station is influenced when the payment is not timely can be prevented.
And a recommendation step of displaying the result of the analysis step, wherein N recommended payment channels are provided during display, and ranking is provided among the N recommended payment channels. In this example, N has a value of 5. The situation that the payment channel in the top 5 rows does not meet the payment condition at the same time is very rare, and 5 recommended payment channels are enough to meet the vast majority of use scenes of merchants.
Selecting a payment channel of the transaction amount;
and a payment step, carrying out payment according to the selected payment channel.
After the displaying step and the collection step, the merchant receives the money, when the money is required to be used, the merchant inputs the transaction amount, the transaction time and the payment time limit, the analyzing step analyzes the commission fee paid by each payment channel according to the information input by the merchant, and an optimal payment channel is obtained; and then, the recommendation step displays the analysis result of the analysis step, and the merchant can select the recommended optimal payment channel to carry out the payment step in the selection step. Therefore, the merchant can obtain the suggestion of the optimal payment channel every time when paying, and the payment channel is selected according to the suggestion, so that the expenditure can be saved by only trading the commission fee every month.
And a prompting step, namely prompting the merchant to reselect the payment channel when the account amount of the selected payment channel is not enough to complete the transaction, and returning to the selecting step. In this way, when the account amount of the first-ranked recommended payment channel is insufficient to complete the transaction, the merchant may select the second-ranked recommended payment channel for payment. Similarly, when the account amount of the second-ranked payment channel is insufficient, the third-ranked recommended payment channel can be selected.
And a revenue analysis step, namely analyzing the revenue condition of the gas station according to a preset analysis model and the payment data. The preset analysis model comprises a Logit regression model, and model calculation is carried out on the payment data according to the Logit regression model to obtain a revenue report. The Logit regression model can predict not only in a sample, but also data outside the sample. Through the Logit regression model, the revenue and earning conditions of the gas station can be accurately analyzed. Therefore, after the gas station revenue and earning conditions are analyzed, the operator can adjust the operation thought and the specific operation method by combining the operation target of the operator.
And a modifying step, namely modifying the branch accounting rule.
And an accounting step, namely accounting is carried out according to the latest accounting rule. The earning profits can be divided according to the preset division rule, the transparency is high, the flow is simple, and only the division rule discussed by each household is needed to be set. If each account owner considers that the current accounting rule is unreasonable, the accounting rule is modified according to the discussed new scheme.
And checking the received money and the paid money. In this way, the merchant can clearly understand the composition of the account.
The implementation of the method is based on an intelligent aggregation payment system of a gas station, as shown in fig. 2, the system comprises a server and a user side.
Server
The server is used for managing the authority of the user side and storing the operation record of the user side.
In this embodiment, the server is an ari cloud server, and in other embodiments, the server may also be a hua cloud server.
User terminal
The user side communicates with the server through an existing communication module, such as a WIFI module or a 4G module.
The user side comprises a display module, a collection module, an input module, an analysis module, a recommendation module, a selection module, a payment module, a prompt module, an earning analysis module, a modification module, a billing module and a reconciliation module.
The display module is used for displaying the information of the collection;
the collection module is used for receiving the received money;
the input module is used for inputting the transaction amount, the transaction time and the payment time limit of the transaction;
the analysis module is used for screening the payment channel which does not meet the payment time limit, and then analyzing the optimal payment channel of the transaction according to the transaction amount and the transaction time of the transaction.
And the recommending module is used for displaying the result of the analyzing step, N recommended payment channels are provided during displaying, and ranking is provided among the N recommended payment channels. In this example, N has a value of 5.
The selection module is used for selecting a payment channel of the transaction amount.
And the payment module is used for paying according to the selected payment channel.
And the prompting module is used for prompting the merchant to reselect the payment channel when the account amount of the selected payment channel is not enough to complete the transaction.
The revenue analysis module is used for analyzing the revenue condition of the gas station according to a preset analysis model and the payment data. The preset analysis model comprises a Logit regression model, and model calculation is carried out on the payment data according to the Logit regression model to obtain a revenue report.
And the modifying module is used for modifying the splitting rule.
And the accounting module is used for performing accounting according to the latest accounting rule.
The reconciliation module is used for checking the received money and the paid money.
Example two
Different from the first embodiment, the method further comprises an oil card freezing step and an oil card activating step;
an oil card freezing step, after the user finishes adding oil, temporarily freezing the oil card of the user;
and activating the fuel card, namely activating the fuel card of the user when the time after the user refuels exceeds X days and the residual fuel quantity of the vehicle of the user is less than Y liters.
The specific value of X, Y can be set according to the specific type and application of the vehicle.
At present, a plurality of companies are provided with buses, the fuel filling cards of the buses are generally kept by users, and a problem that how to avoid the private use of the public cards of the users is troublesome when the fuel filling cards of the companies are used for filling fuel into own buses is solved; besides, how to avoid the private use of the public car of the user and use the vehicle of the company to facilitate the personal life of the user is also difficult to monitor.
By using the method, after the user finishes adding the oil, the oil adding card can be frozen temporarily; and when the time after the user refuels exceeds X days and the residual oil quantity of the user vehicle is less than Y liters, the refuel card is activated again. Thus, the manager of the company can roughly calculate the frequency of refueling the vehicle according to the application and the use frequency of the company vehicle, and then set the specific numerical values of X and Y.
After the oiling card is frozen, the oiling card is activated again when the oiling time exceeds X days and the residual oil quantity of the user vehicle is less than Y hours, so that the user of the bus can only oil the bus when the oiling card is activated, and the condition of private use of the bus can be prevented.
Meanwhile, the activation time of the oiling card is more than X days after oiling, in order to ensure that the oil mass of the bus can work normally during working, a user of the bus can not use the bus to facilitate personal life of the user in order to avoid unnecessary loss of the oil mass, and the condition that the bus is private can be prevented.
The foregoing is merely an example of the present invention, and common general knowledge in the field of known specific structures and characteristics is not described herein in any greater extent than that known in the art at the filing date or prior to the priority date of the application, so that those skilled in the art can now appreciate that all of the above-described techniques in this field and have the ability to apply routine experimentation before this date can be combined with one or more of the present teachings to complete and implement the present invention, and that certain typical known structures or known methods do not pose any impediments to the implementation of the present invention by those skilled in the art. It should be noted that, for those skilled in the art, without departing from the structure of the present invention, several changes and modifications can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicability of the patent. The scope of the claims of the present application shall be determined by the contents of the claims, and the description of the embodiments and the like in the specification shall be used to explain the contents of the claims.
Claims (10)
1. An intelligent aggregation payment method for a gas station is characterized by comprising the following steps:
a display step, displaying the information of the collection;
a collection step of receiving the received money;
an input step, inputting the amount of the transaction;
an analysis step, according to the amount of the transaction, the optimal payment channel is analyzed;
a recommendation step of displaying the result of the analysis step;
selecting a payment channel of the transaction amount;
and a payment step, carrying out payment according to the selected payment channel.
2. The intelligent aggregated payment method at a gas station of claim 1, wherein: in the input step, the time of the transaction is also input; in the analyzing step, the optimal payment channel is analyzed according to the input transaction amount and the transaction time.
3. The intelligent aggregated payment method at a gas station of claim 1, wherein: in the recommending step, N recommended optimal payment channels are provided, and ranking is provided among the N recommended payment channels;
and a prompting step, namely prompting the merchant to reselect the payment channel when the account amount of the selected payment channel is not enough to complete the transaction, and returning to the selecting step.
4. The intelligent aggregated payment method at a gas station of claim 1, wherein: the input step is also used for inputting the money time limit; and the recommending step is also used for screening out the payment channels which do not meet the payment time limit according to the input payment time limit.
5. The intelligent aggregated payment method at a gas station of claim 1, wherein: and the method also comprises a revenue analysis step, wherein the revenue condition of the gas station is analyzed according to a preset analysis model and the payment data.
6. The intelligent aggregated payment method at a gas station of claim 5, wherein: in the revenue analysis step, the preset analysis model comprises a Logit regression model, and the revenue report is obtained by performing model calculation on the payment data according to the Logit regression model.
7. The intelligent aggregated payment method at a gas station of claim 5, wherein: in the revenue analysis step, the payment arrival data comprises payment arrival time, payment arrival amount and payment arrival oil type.
8. The intelligent aggregated payment method at a gas station of claim 1, wherein: and the method also comprises an account separating step, wherein account separation is carried out according to a preset account separating rule.
9. The intelligent aggregated payment method at a gas station of claim 8, wherein: the method also comprises a modification step of modifying the branch account rule; and in the step of splitting, splitting according to the modified splitting rule.
10. The intelligent aggregated payment method at a gasoline station of claim 9, wherein: the method also comprises a reconciliation step, which is used for checking the received money and the paid money.
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| CN201910881919.9A CN110610357A (en) | 2019-09-18 | 2019-09-18 | Intelligent gathering payment method for gas station |
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| CN201910881919.9A CN110610357A (en) | 2019-09-18 | 2019-09-18 | Intelligent gathering payment method for gas station |
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2019
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| CN107464108A (en) * | 2016-06-03 | 2017-12-12 | 上海点融信息科技有限责任公司 | The method and apparatus for automatically selecting channel of disbursement |
| CN107977838A (en) * | 2016-10-24 | 2018-05-01 | 郑昌明 | Convenient method of payment and system |
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