CN110619510B - Multi-business-state joint operation management system and method for gas station - Google Patents
Multi-business-state joint operation management system and method for gas station Download PDFInfo
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- CN110619510B CN110619510B CN201910881941.3A CN201910881941A CN110619510B CN 110619510 B CN110619510 B CN 110619510B CN 201910881941 A CN201910881941 A CN 201910881941A CN 110619510 B CN110619510 B CN 110619510B
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
- G06Q20/08—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
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
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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
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
Abstract
The invention relates to the technical field of payment settlement, in particular to a multi-business state joint operation management system and method of a gas station, wherein the system is based on the method, the system comprises a server, and the server comprises the following modules: the system comprises an aggregate payment module, a transaction management record module, a billing application module and a billing module, wherein the billing module is used for performing billing settlement according to billing settlement information and a set settlement agreement, completing the identification of transaction amount and billing detail data, and packaging to form a billing. The invention solves the problems of large workload, long checking period and high labor cost in benefit distribution.
Description
Technical Field
The invention relates to the technical field of payment settlement, in particular to a multi-business state joint operation management system and method for a gas station.
Background
Gas stations, commonly referred to as replenishment stations for retail gasoline and motor oil for the service of automobiles and other motor vehicles, are typically refueled with fuel oil, lubricating oil, and the like. In order to improve the level of staff service clients, at present, a plurality of convenience service projects are developed at gas stations. For example, small packages of lubricating oil, grease, and other commonly used petroleum products are supplied. The convenient oil drum is provided to provide service for the oil-deficient vehicles in the middle. Service facilities and service items such as car washing service, vehicle water adding, tire inflation, fast food restaurant, simple and convenient car repair tool, convenience store, drivers and sanitation rest room, mobile phone charging and the like are provided. And the method also aims at seasonal characteristics, provides related medicine services such as first-aid medicines, heatstroke prevention and cooling products, carsickness medicines and the like, creates a customer satisfaction window and improves income.
In order to improve the management of convenience service items and fueling service items, most of the management modes of the fueling station adopt a mode of controlling the fueling station. The operation of the stock control gas station is mainly in the modes of cooperative enterprise contractual operation, two-party cooperative operation and the like, wherein the cooperative enterprise contractual operation refers to the mode that only fixed returns are taken by the users, the operation of the gas station is not participated in, and the operation of the gas station, oil distribution, price, personnel and the like are completely responsible by the cooperative party. The cooperators can adjust the sales strategy in time according to market quotations. Ensuring that oil products of all sales partners of the gas station are ensured in the contractual period; the income of the company is mainly fixed rent and can be obtained by a lease contract which is signed in quarterly and by years. In this mode, the revenue is stable and is not substantially disturbed by market factors, but the disadvantage is that the interests of the company cannot be maximized.
The two-party cooperation operation refers to a mode that the two parties of the gas station jointly delegate the gas station operation manager. The benefits of the gas station are distributed in a layered duty ratio mode, and in the operation mode, company income changes along with the change of income and profit of the gas station, so that the benefits of the company are maximized. However, since the gas station has become an important traffic node in life, traffic flow is very large. And the gas station also provides a plurality of convenience service projects, if only financial staff of both sides jointly check profits, the distribution amount is determined, so that the gas station has the advantages of large workload, long checking period, high labor cost and low billing work efficiency.
Disclosure of Invention
The invention aims to provide a multi-business-state joint management system for a gas station, which solves the problems of large workload, long checking period and high labor cost in benefit distribution.
In order to achieve the above purpose, the invention provides a multi-business state joint management system of a gas station, which comprises a server, wherein the server comprises the following modules:
aggregate payment module: the payment channel is used for calling up the payment channel between the third party payment platform and the unified merchant account of the gas station;
transaction management record module: the system is used for managing balances and transaction records in unified account numbers of gas station merchants;
and the account separating application module: the system is used for managing the account-separating settlement application provided by the gas station management partner, verifying the related data information in the transaction process when the account-separating settlement application is received, and verifying the post-generated account-separating settlement information; the data information comprises settlement request qualification, transaction records, applicable transaction modes and transaction contents;
and the account separating module is used for: and the system is used for carrying out the account dividing and settlement according to the account dividing and settlement information and a set settlement agreement, completing the identification of the transaction amount and the account dividing detail data, and then packaging to form a bill.
The working principle and the advantages of the invention are as follows:
1. the third party payment platform can be integrated by setting the aggregate payment module, so that the payment of the fees of the owner user after enjoying the related service at the gas station is more convenient. The transaction management record module is arranged, so that the paid funds and transaction records can be managed in a centralized manner, and data preparation is made for the improvement of the follow-up account dividing efficiency.
2. The setting of the account separating application module can carry out authenticity verification on key data information such as qualification of a calculation requesting party, transaction records and the like, and loss caused by careless account separating is avoided. The setting of the account dividing module can carry out account dividing and settlement according to a set settlement agreement, and can automatically obtain the identification of the transaction amount and account dividing detail data, thereby reducing the time spent and labor cost.
Further, the method also comprises the following modules:
and the account separation execution module: the financial institution is used for generating a redemption instruction according to the bill, transmitting the redemption instruction to a financial institution bound by a unified account number of a gas station merchant, timely transferring the redemption instruction to a gas station business partner according to the redemption instruction by the financial institution, and receiving a transaction completion short message fed back by the financial institution; the financial institution includes a bank and a third party paymate.
The transfer operation can be completed in time, and the transfer efficiency is improved.
Further, the account separating module further comprises the following modules:
and the bill checking module is used for checking the bill: and the method is used for sending the bill to a bill auditing personnel for auditing, and after the auditing is passed, acquiring an electronic signature of the bill by the auditing personnel and binding the electronic signature with the bill.
By checking the bill, the true and effective bill is ensured, and the careless mistakes in the aspect of finance are avoided.
Further, the method also comprises the following modules:
and the account dividing recording module is used for recording the settlement requesting party, the transaction record, the account dividing bill and the transaction completion short message when each account is divided, generating an account dividing record form and storing the account dividing record form into a database appointed by the server.
The accounting is recorded and saved, so that subsequent calling and consulting are facilitated.
Further, the account-separating application module further comprises the following modules:
and the account separating demand analysis module is used for: the method comprises the steps of acquiring and analyzing the account separating requirement of a gas station operating partner, wherein the account separating requirement comprises a account separating time period, a account separating transaction number and a transaction amount of the account separating;
and the account dividing shortcut application module: and setting a matched account separating application template according to the analyzed account separating requirement, and automatically performing account separating settlement application according to the account separating application template after the account separating application template is successfully matched.
When the account is required to be separated, the operation partner of the gas station only needs to provide own account separating requirements, and the rapid account separating application module can automatically match an application template for the operation partner of the gas station after meeting the conditions, and then the automatic account separating settlement application is carried out, so that the application flow is simplified, and the application efficiency of the account separating application is improved.
The second main objective of the present invention is to provide a multi-business-state joint management method for a gas station, wherein the system is based on the method, and comprises the following steps:
aggregate payment step: calling up a payment channel between a third party payment platform and a unified merchant account of a gas station;
transaction management recording step: managing balances and transaction records in unified account numbers of gas station merchants;
the step of account separation application: managing a account-separating settlement application provided by a gas station management partner, verifying related data information in a transaction process when the account-separating settlement application is received, and verifying the post-generated account-separating settlement information; the data information comprises settlement request qualification, transaction records, applicable transaction modes and transaction contents;
and (3) account separation: and performing account dividing and settlement according to the account dividing and settlement information and a set settlement agreement, completing the identification of the transaction amount and account dividing detail data, and packaging to form a bill.
The working principle and the advantages of the invention are as follows:
1. the setting of the aggregate payment step can integrate the third party payment platform, so that the payment of the fees of the owner user after enjoying the related service at the gas station is more convenient. The transaction management record step is set, so that the paid funds and the transaction records can be managed in a centralized manner, and data preparation is made for the improvement of the follow-up account dividing efficiency.
2. The setting of the step of the account separating application can carry out authenticity verification on key data information such as qualification of a calculation requesting party, transaction records and the like, and loss caused by careless account separating is avoided. The setting of the step of billing can be performed according to a set settlement agreement, so that the confirmation of the transaction amount and the billing detail data can be automatically obtained, the time spent is reduced, and the labor cost is reduced.
Further, the method also comprises the following steps:
the step of account separation execution: generating a redemption instruction according to the bill, transmitting the redemption instruction to a financial institution bound by a unified account number of a gas station merchant, timely transferring the redemption instruction to a gas station operating partner by the financial institution according to the redemption instruction, and receiving a transaction completion short message fed back by the financial institution; the financial institution includes a bank and a third party paymate.
The transfer operation can be completed in time, and the transfer efficiency is improved.
Further, the step of billing further includes the steps of:
and (3) checking the bill: and sending the bill to a bill sorting auditing personnel for auditing, and after the auditing is passed, acquiring an electronic signature of the bill sorting by the auditing personnel and binding the electronic signature with the bill sorting.
By checking the bill, the true and effective bill is ensured, and the careless mistakes in the aspect of finance are avoided.
Further, the method also comprises the following steps:
and (3) account separation recording: and when each account is divided, recording a settlement request party, a transaction record, a bill and a transaction completion short message, generating an account dividing record form and storing the account dividing record form into a database appointed by a server.
The accounting is recorded and saved, so that subsequent calling and consulting are facilitated.
Further, the step of billing application further includes the steps of:
and (3) account separation demand analysis: acquiring and analyzing the account separating requirement of a gas station operating partner, wherein the account separating requirement comprises a account separating time period, a account separating transaction number and a transaction amount of the account separating;
the quick account separating application step comprises the following steps: setting a matched account-separating application template according to the analyzed account-separating requirement, and automatically carrying out account-separating settlement application according to the account-separating application template after the account-separating application template is successfully matched.
When the account is required to be separated, the operation partner of the gas station only needs to provide own account separating requirement, and the rapid account separating application step can automatically match an application template for the operation partner of the gas station after meeting the conditions, and then the automatic account separating settlement application is carried out, so that the application flow is simplified, and the application efficiency of the account separating application is improved.
Drawings
FIG. 1 is a logic block diagram of a multi-business state joint management system for a gas station according to an embodiment of the present invention.
Detailed Description
The following is a further detailed description of the embodiments:
an example is substantially as shown in figure 1:
a multi-business state joint management system of a gas station, comprising a server, wherein the server comprises the following modules:
aggregate payment module: the payment channel is used for calling up the payment channel between the third party payment platform and the unified merchant account of the gas station; and the unified merchant account number of the gas station is the account number which is used uniformly by the operating partner of the gas station. The aggregate payment module does not participate in the transfer of funds and is only used for calling up a payment channel. And the third party payment platform comprises a payment treasures, weChat and the like.
Transaction management record module: the system is used for managing balances and transaction records in unified account numbers of gas station merchants;
and the account separating application module: the system is used for managing the account-separating settlement application provided by the gas station management partner, verifying the related data information in the transaction process when the account-separating settlement application is received, and verifying the post-generated account-separating settlement information; the data information comprises settlement request qualification, transaction records, applicable transaction modes and transaction contents;
the account-separating application module further comprises the following two modules:
and the account separating demand analysis module is used for: the method comprises the steps of acquiring and analyzing the account separating requirement of a gas station operating partner, wherein the account separating requirement comprises a account separating time period, a account separating transaction number and a transaction amount of the account separating;
and the account dividing shortcut application module: and setting a matched account separating application template according to the analyzed account separating requirement, and automatically performing account separating settlement application according to the account separating application template after the account separating application template is successfully matched.
And the account separating module is used for: and the system is used for carrying out the account dividing and settlement according to the account dividing and settlement information and a set settlement agreement, completing the identification of the transaction amount and the account dividing detail data, and then packaging to form a bill.
And the account separation execution module: the financial institution is used for generating a redemption instruction according to the bill, transmitting the redemption instruction to a financial institution bound by a unified account number of a gas station merchant, timely transferring the redemption instruction to a gas station business partner according to the redemption instruction by the financial institution, and receiving a transaction completion short message fed back by the financial institution; the financial institution includes a bank and a third party paymate.
And the bill checking module is used for checking the bill: and the method is used for sending the bill to a bill auditing personnel for auditing, and after the auditing is passed, acquiring an electronic signature of the bill by the auditing personnel and binding the electronic signature with the bill.
And the account dividing recording module is used for recording the settlement requesting party, the transaction record, the account dividing bill and the transaction completion short message when each account is divided, generating an account dividing record form and storing the account dividing record form into a database appointed by the server.
The multi-business state joint operation management method for the gas station comprises the following steps of:
aggregate payment step: calling up a payment channel between a third party payment platform and a unified merchant account of a gas station;
transaction management recording step: managing balances and transaction records in unified account numbers of gas station merchants;
the step of account separation application: managing a account-separating settlement application provided by a gas station management partner, verifying related data information in a transaction process when the account-separating settlement application is received, and verifying the post-generated account-separating settlement information; the data information comprises settlement request qualification, transaction records, applicable transaction modes and transaction contents;
the step of the account-separating application also comprises the following two steps:
and (3) account separation demand analysis: acquiring and analyzing the account separating requirement of a gas station operating partner, wherein the account separating requirement comprises a account separating time period, a account separating transaction number and a transaction amount of the account separating;
the quick account separating application step comprises the following steps: setting a matched account-separating application template according to the analyzed account-separating requirement, and automatically carrying out account-separating settlement application according to the account-separating application template after the account-separating application template is successfully matched.
And (3) account separation: and performing account dividing and settlement according to the account dividing and settlement information and a set settlement agreement, completing the identification of the transaction amount and account dividing detail data, and packaging to form a bill.
The step of account separation execution: generating a redemption instruction according to the bill, transmitting the redemption instruction to a financial institution bound by a unified account number of a gas station merchant, timely transferring the redemption instruction to a gas station operating partner by the financial institution according to the redemption instruction, and receiving a transaction completion short message fed back by the financial institution; the financial institution includes a bank and a third party paymate.
And (3) checking the bill: and sending the bill to a bill sorting auditing personnel for auditing, and after the auditing is passed, acquiring an electronic signature of the bill sorting by the auditing personnel and binding the electronic signature with the bill sorting.
And (3) account separation recording: and when each account is divided, recording a settlement request party, a transaction record, a bill and a transaction completion short message, generating an account dividing record form and storing the account dividing record form into a database appointed by a server.
The specific implementation process is as follows:
in the multi-business state joint operation management system of the gas station, the setting of the aggregate payment step can integrate the third party payment platform, so that the payment of the fees of the owner user after the owner user enjoys the relevant service at the gas station is more convenient. The transaction management record step is set, so that the paid funds and the transaction records can be managed in a centralized manner, and data preparation is made for the improvement of the follow-up account dividing efficiency.
The setting of the step of the account separating application can carry out authenticity verification on key data information such as qualification of a calculation requesting party, transaction records and the like, and loss caused by careless account separating is avoided. The setting of the step of billing can be performed according to a set settlement agreement, so that the confirmation of the transaction amount and the billing detail data can be automatically obtained, the time spent is reduced, and the labor cost is reduced.
When the account is required to be separated, the operation partner of the gas station only needs to provide own account separating requirements, and the rapid account separating application module can automatically match an application template for the operation partner of the gas station after meeting the conditions, and then the automatic account separating settlement application is carried out, so that the application flow is simplified, and the application efficiency of the account separating application is improved.
Embodiment two:
the difference between the second embodiment and the first embodiment is that the multi-business state joint management system for gas stations further includes the following modules:
the payment management module is used for recording the payment account of each gas station operating partner according to the payment bill;
the withdrawal application module is used for managing withdrawal applications of each gas station operating partner for withdrawing the money amount to the bank card, wherein the withdrawal applications comprise withdrawal amount and withdrawal use;
the system comprises a commission management module, a bank management module and a bank management module, wherein the commission management module is used for acquiring commission policies of all usable banks in the process of submitting a present application, and the commission policies comprise commission rate, single-term upper limit of a present amount and single-day upper limit of the present amount;
the cash register execution module is used for acquiring the cash register response speed of each usable bank, and selecting the bank with the lowest commission from the usable banks for cash register according to the cash register amount, the cash register application, the commission policy and the cash register response speed.
And the rendering recording module is used for recording the bank, rendering application, handling fee policy and rendering response speed used for rendering each time, generating a rendering recording table and storing the rendering recording table in a database appointed by the server.
And the presenting shortcut application module is used for matching similar or similar presenting records from the database according to the presenting application and recommending the presenting records to the gas station operation partner when the presenting application is presented.
And (5) a promotion customization module: the system is used for acquiring the cash-out requirements of the operation partner of the gas station, matching similar or similar cash-out records from a database according to the cash-out requirements, and recommending the cash-out requirements to the operation partner of the gas station, wherein the cash-out requirements comprise minimum commission, high cash-out response speed and high cash-out limit.
The multi-business state joint operation management method of the gas station further comprises the following steps:
and a payment management step: recording the payment account of each gas station operating partner according to the payment bill;
the steps of the proposal and the application are as follows: managing a withdrawal application of each gas station operating partner for withdrawing the payment account to the bank card, wherein the withdrawal application comprises withdrawal amount and withdrawal use;
and a handling fee management step: in the process of presenting application, acquiring a commission policy of each usable bank, wherein the commission policy comprises a commission rate, a single presenting limit upper limit and a single daily presenting limit upper limit;
the proposal execution steps are as follows: and acquiring the withdrawal response speed of each usable bank, and selecting the bank with the lowest withdrawal from the usable banks according to the withdrawal amount, the withdrawal use, the withdrawal policy and the withdrawal response speed for withdrawal.
The step of lift recording: when each time of the presentation, the bank, the presentation application, the commission policy and the presentation response speed for the presentation are recorded, a presentation record table is generated and stored in a database appointed by the server.
The steps of the quick application are presented: when the present application is filed, the similar or similar present records are matched from the database according to the present application, and are recommended to the gas station operation partner.
The proposal customizing step: the method comprises the steps of obtaining the cash-out requirements of the operation partner of the gas station, matching similar or similar cash-out records from a database according to the cash-out requirements, and recommending the cash-out records to the operation partner of the gas station, wherein the cash-out requirements comprise minimum commission, high cash-out response speed and high cash-out limit.
The specific implementation process is as follows:
in the scheme, the withdrawal limit and the withdrawal use can be managed, and withdrawal is convenient to manage. The method can also obtain the commission policies of each usable bank, such as the presented amount, the account-arriving response time, the presented stability, the presented rate policy and the like, so that the gas station operating partner can conveniently select the presented mode to obtain the maximum benefit when analyzing the benefit, thereby reducing the time spent and the labor cost.
When the application is carried out, similar or similar presentation records can be matched from the database according to the application and recommended to the gas station operation partner, so that the user can conveniently refer to the application, and the operation efficiency of the user presentation is improved. And the mode of presenting can also be customized according to the requirement of presenting, the operation partner of the gas station can be presented according to the requirement, the efficiency of presenting is improved, and the labor cost is reduced. The management and the calling of the data can be improved by a form record mode.
The foregoing is merely an embodiment of the present invention, and a specific structure and characteristics of common knowledge in the art, which are well known in the scheme, are not described herein, so that a person of ordinary skill in the art knows all the prior art in the application day or before the priority date of the present invention, and can know all the prior art in the field, and have the capability of applying the conventional experimental means before the date, so that a person of ordinary skill in the art can complete and implement the present embodiment in combination with his own capability in the light of the present application, and some typical known structures or known methods should not be an obstacle for a person of ordinary skill in the art to implement the present application. It should be noted that modifications and improvements can be made by those skilled in the art without departing from the structure of the present invention, and these should also be considered as the scope of the present invention, which does not affect the effect of the implementation of the present invention and the utility of the patent. The protection scope of the present application shall be subject to the content of the claims, and the description of the specific embodiments and the like in the specification can be used for explaining the content of the claims.
Claims (4)
1. A multi-business state joint operation management system of a gas station is characterized in that: the server comprises the following modules:
aggregate payment module: the payment channel is used for calling up a payment channel between the third party payment platform and the unified account number of the gas station merchant;
transaction management record module: the system is used for managing balances and transaction records in unified account numbers of gas station merchants;
and the account separating application module: the system is used for managing the account-separating settlement application provided by the gas station management partner, verifying the related data information in the transaction process when the account-separating settlement application is received, and verifying the post-generated account-separating settlement information; the data information comprises settlement request qualification, transaction records, applicable transaction modes and transaction contents;
and the account separating module is used for: the system is used for carrying out account dividing and settlement according to the account dividing and settlement information and a set settlement agreement, completing the identification of transaction amount and account dividing detail data, and packaging to form a bill; the account-separating application module further comprises the following modules:
and the account separating demand analysis module is used for: the method comprises the steps of acquiring and analyzing the account separating requirement of a gas station operating partner, wherein the account separating requirement comprises a account separating time period, a account separating transaction number and a transaction amount of the account separating;
and the account dividing shortcut application module: the method comprises the steps of setting a matched account separating application template according to the analyzed account separating requirement, and automatically carrying out account separating settlement application according to the account separating application template after the account separating application template is successfully matched;
and the account separation execution module: the financial institution is used for generating a redemption instruction according to the bill, transmitting the redemption instruction to a financial institution bound by a unified account number of a gas station merchant, timely transferring the redemption instruction to a gas station business partner according to the redemption instruction by the financial institution, and receiving a transaction completion short message fed back by the financial institution; the financial institutions include banks and third party paytables;
the account dividing recording module is used for recording a settlement requesting party, a transaction record, a bill dividing and a transaction completion short message when each account is divided, generating a account dividing record form and storing the account dividing record form into a database appointed by the server;
the payment management module is used for recording the payment account of each gas station operating partner according to the payment bill;
the withdrawal application module is used for managing withdrawal applications of each gas station operating partner for withdrawing the money amount to the bank card, wherein the withdrawal applications comprise withdrawal amount and withdrawal use;
the system comprises a commission management module, a bank management module and a bank management module, wherein the commission management module is used for acquiring commission policies of all usable banks in the process of submitting a present application, and the commission policies comprise commission rate, single-term upper limit of a present amount and single-day upper limit of the present amount;
the cash register execution module is used for acquiring cash register response speed of each usable bank, and selecting the bank with the lowest commission from the usable banks for cash register according to the cash register amount, the cash register application, the commission policy and the cash register response speed;
the system comprises a cash register module, a server and a server, wherein the cash register module is used for registering a bank, a cash register application, a commission fee policy and a cash register response speed for cash use when each cash register is performed, generating a cash register form and storing the cash register form in a database appointed by the server;
the quick application module is used for matching similar or similar presentation records from the database according to the presentation application and recommending the similar or similar presentation records to the gas station operation partner when the presentation application is presented;
and (5) a promotion customization module: the system is used for acquiring the cash-out requirements of the operation partner of the gas station, matching similar or similar cash-out records from a database according to the cash-out requirements, and recommending the cash-out requirements to the operation partner of the gas station, wherein the cash-out requirements comprise minimum commission, high cash-out response speed and high cash-out limit.
2. The multi-business state joint management system of gas stations according to claim 1, wherein: the account separating module further comprises the following modules:
and the bill checking module is used for checking the bill: and the method is used for sending the bill to a bill auditing personnel for auditing, and after the auditing is passed, acquiring an electronic signature of the bill by the auditing personnel and binding the electronic signature with the bill.
3. A multi-business state joint operation management method of a gas station is characterized in that: the method comprises the following steps:
aggregate payment step: calling up a payment channel between a third party payment platform and a unified account number of a gas station merchant;
transaction management recording step: managing balances and transaction records in unified account numbers of gas station merchants;
the step of account separation application: managing a account-separating settlement application provided by a gas station management partner, verifying related data information in a transaction process when the account-separating settlement application is received, and verifying the post-generated account-separating settlement information; the data information comprises settlement request qualification, transaction records, applicable transaction modes and transaction contents;
and (3) account separation: performing account dividing and settlement according to the account dividing and settlement information and a set settlement agreement, completing the identification of the transaction amount and account dividing detail data, and packaging to form a bill; the step of the account-separating application further comprises the following steps:
and (3) account separation demand analysis: acquiring and analyzing the account separating requirement of a gas station operating partner, wherein the account separating requirement comprises a account separating time period, a account separating transaction number and a transaction amount of the account separating;
the quick account separating application step comprises the following steps: setting a matched account separating application template according to the analyzed account separating requirement, and automatically carrying out account separating settlement application according to the account separating application template after the account separating application template is successfully matched;
the step of account separation execution: generating a redemption instruction according to the bill, transmitting the redemption instruction to a financial institution bound by a unified account number of a gas station merchant, timely transferring the redemption instruction to a gas station operating partner by the financial institution according to the redemption instruction, and receiving a transaction completion short message fed back by the financial institution; the financial institutions include banks and third party paytables;
and (3) account separation recording: when each account is divided, a settlement request party, a transaction record, a bill dividing and a transaction completion message are recorded, an account dividing record form is generated and stored in a database appointed by a server;
and a payment management step: recording the payment account of each gas station operating partner according to the payment bill;
the steps of the proposal and the application are as follows: managing a withdrawal application of each gas station operating partner for withdrawing the payment account to the bank card, wherein the withdrawal application comprises withdrawal amount and withdrawal use;
and a handling fee management step: in the process of presenting application, acquiring a commission policy of each usable bank, wherein the commission policy comprises a commission rate, a single presenting limit upper limit and a single daily presenting limit upper limit;
the proposal execution steps are as follows: acquiring the withdrawal response speed of each usable bank, and selecting the bank with the lowest withdrawal from the usable banks according to the withdrawal amount, the withdrawal use, the withdrawal policy and the withdrawal response speed for withdrawal;
the step of lift recording: when each time of the service is performed, the bank, the service application, the commission policy and the service response speed for the service are recorded, a service record form is generated and stored in a database appointed by the server;
the steps of the quick application are presented: when the present application is proposed, matching similar or similar present records from a database according to the present application, and recommending the present records to a gas station operation partner;
the proposal customizing step: the method comprises the steps of obtaining the cash-out requirements of the operation partner of the gas station, matching similar or similar cash-out records from a database according to the cash-out requirements, and recommending the cash-out records to the operation partner of the gas station, wherein the cash-out requirements comprise minimum commission, high cash-out response speed and high cash-out limit.
4. A multi-business state joint management method for gas stations according to claim 3, characterized in that: the step of billing further comprises the steps of:
and (3) checking the bill: and sending the bill to a bill sorting auditing personnel for auditing, and after the auditing is passed, acquiring an electronic signature of the bill sorting by the auditing personnel and binding the electronic signature with the bill sorting.
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| CN107437170A (en) * | 2017-07-11 | 2017-12-05 | 谢奉见 | A kind of management of differential account system based on third-party monitoring |
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| JPH11154194A (en) * | 1997-11-21 | 1999-06-08 | Shoji Ogaki | Method and system for integrated management by computer for fund finance information of plural industries |
| CN106845954A (en) * | 2017-01-24 | 2017-06-13 | 环球雅途旅业控股集团有限公司 | A kind of payment and settlement system and its information processing method based on many system of account |
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