CN110633967A - Payment scheme intelligent adjustment system and method - Google Patents
Payment scheme intelligent adjustment system and method Download PDFInfo
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- CN110633967A CN110633967A CN201910881870.7A CN201910881870A CN110633967A CN 110633967 A CN110633967 A CN 110633967A CN 201910881870 A CN201910881870 A CN 201910881870A CN 110633967 A CN110633967 A CN 110633967A
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- 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
- 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
- G06Q20/403—Solvency checks
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Abstract
The invention relates to the technical field of mobile payment, in particular to a system and a method for intelligently adjusting a payment scheme, wherein the system is based on the method and comprises a server, and the server comprises the following modules: the payment management system comprises a third party payment management module, a cash withdrawal application module, a commission charge management module and a cash withdrawal execution module. The invention solves the problems of inconvenient operation, high time consumption and high labor cost when the merchant of the gas station obtains the analysis benefit.
Description
Technical Field
The invention relates to the technical field of mobile payment, in particular to a payment scheme intelligent adjustment system and method.
Background
With the development and application of mobile payment, when a plurality of gas station merchants collect service payment of car owners, the cashier desks of the gas station merchants are always full of two-dimensional code cards and code scanning machines, and the mobile payment system comprises third-party payment mechanisms such as a payment treasure and WeChat payment, and further comprises POS machines supporting banks and unionpay card swiping.
The more convenient the payment method is for the owner of the consumer, but the more inconvenient it is for the merchant of the gas station. A merchant of a gas station needs to go to each payment company to apply for an account number, find a technical company to realize product giving, and check accounts on each platform, so that the procedure is complicated; and are incompatible between the various payment instruments. In this case, a gas station merchant needs a simple, fast, and tamper-evident one-stop payment instrument. It is against this demand background that a fourth party payment, the aggregate payment, should be generated. The aggregated payment is used as a comprehensive payment service, and the aggregated payment does not carry out fund clearing, but realizes the value of the aggregated payment by aggregating a plurality of payment tools such as a plurality of third-party payment platforms, cooperative banks and other service provider interfaces.
Although the aggregated payment facilitates the gas station merchant to collect funds, the gas station merchant still has problems in cash withdrawal. For example, a part of funds collected by a gas station merchant need to be brought back to a bank account for issuing wages of staff, collecting life materials and the like, but the money rates for bringing back cash of various banks are different, and the money amount, response time, stability of bringing back cash, rate policies of bringing back cash and the like need to be considered, so that the gas station merchant is very inconvenient when analyzing benefits, spends a lot of time and has high labor cost.
Disclosure of Invention
One of the main purposes of the present invention is to provide an intelligent adjustment system for payment schemes, which solves the problems of inconvenience, high time consumption and high labor cost when a merchant in a gas station obtains analysis benefits.
In order to achieve the above object, the present invention provides an intelligent payment scheme adjustment system, which comprises a server, wherein the server comprises the following modules:
the third party payment management module is used for managing balance in the usable third party payment system;
the cash withdrawal application module is used for managing cash withdrawal applications from balance cash withdrawal to bank cards in all third-party payment systems, and the cash withdrawal applications comprise cash withdrawal amount and cash withdrawal purposes;
the system comprises a commission management module, a payment processing module and a payment processing module, wherein the commission management module is used for acquiring commission policies of all usable banks in the cash withdrawal application process, and the commission policies comprise commission rates, single cash withdrawal limit upper limits and single day cash withdrawal limit upper limits;
and the cash withdrawal execution module is used for acquiring the cash withdrawal response speed of each available bank and selecting the bank with the lowest commission charge from the available banks for cash withdrawal according to the cash withdrawal amount, the cash withdrawal purpose, the commission charge policy and the cash withdrawal response speed.
The working principle and the advantages of the invention are as follows:
1. the cash withdrawal application module can manage the cash withdrawal amount and the cash withdrawal purpose, and is convenient to manage cash withdrawal.
2. The arrangement of the commission management module and the cash withdrawal execution module can obtain each commission policy which can use the bank, such as the amount of cash withdrawal, the account arrival response time, the stability of cash withdrawal, the rate policy of cash withdrawal and the like, so that when the merchant of the gas station analyzes the benefits, the cash withdrawal mode can be selected very conveniently, the time spent is reduced, and the labor cost is reduced.
Further, the third party payment management module further comprises the following modules:
and the expense information management module is used for acquiring the relevant transaction details and the transaction expense information of the balance in the third-party payment system of the merchant of the gas station and generating an expense information management table according to the transaction details and the transaction expense information.
The merchant of the gas station can know the cost information conveniently.
Further, the system also comprises the following modules:
and the cash withdrawal recording module is used for recording the bank used for cash withdrawal, the cash withdrawal application, the commission policy and the cash withdrawal response speed during each time of cash withdrawal, generating a cash withdrawal record form and storing the cash withdrawal record form in a database appointed by the server.
And the management and the calling of data are improved in a form recording mode.
Further, the cash-out recording module further comprises the following modules:
and the cash withdrawal quick application module is used for matching similar or similar cash withdrawal records from the database according to the cash withdrawal application when the cash withdrawal application is submitted, and recommending the similar or similar cash withdrawal records to the gas station commercial tenant.
The operation efficiency of the user for cash withdrawal is improved.
Further, the system also comprises the following modules:
presenting a custom module: the method is used for obtaining the cash withdrawal requirements of the merchants of the gas station, matching similar or similar cash withdrawal records from the database according to the cash withdrawal requirements, and recommending the similar or similar cash withdrawal records to the merchants of the gas station, wherein the cash withdrawal requirements comprise lowest handling fee, high cash withdrawal response speed and high upper limit of cash withdrawal amount.
The method for carrying out cash withdrawal can be customized according to the cash withdrawal requirement, the cash withdrawal requirement of a user is facilitated, the efficiency of cash withdrawal is improved, and the labor cost is reduced.
The invention also provides a payment scheme intelligent adjustment method, and the system based on the method comprises the following steps:
a third party payment management step, which is used for managing the balance in the usable third party payment system;
a withdrawal application step, namely managing withdrawal applications from balance withdrawal to bank cards in all third-party payment systems, wherein the withdrawal applications comprise withdrawal amount and withdrawal purposes;
a step of handling charge management, which is to obtain each handling charge policy capable of using a bank in the withdrawal application process, wherein the handling charge policies comprise a handling charge rate, a single withdrawal limit upper limit and a single day withdrawal limit upper limit;
and a cash withdrawal executing step of acquiring the cash withdrawal response speed of each available bank and selecting the bank with the lowest commission charge from the available banks for cash withdrawal according to the cash withdrawal amount, the cash withdrawal purpose, the commission charge policy and the cash withdrawal response speed.
The working principle and the advantages of the invention are as follows:
1. the cash withdrawal application steps are arranged, so that the cash withdrawal amount and the cash withdrawal purpose can be managed, and the cash withdrawal is managed conveniently.
2. The arrangement of the commission charge management step and the cash withdrawal execution step can obtain each bank-usable commission charge policy, such as the credit of cash withdrawal, the account arrival response time, the stability of cash withdrawal, the rate policy of cash withdrawal and the like, so that a merchant of a gas station can conveniently select a cash withdrawal mode when the benefit of analysis is lost, the time spent is reduced, and the labor cost is reduced.
Further, the third party payment management step further comprises the steps of:
and a fee information management step, namely acquiring the relevant transaction details and the transaction fee information of the balance in a third-party payment system of the merchant of the gas station, and generating a fee information management table according to the transaction details and the transaction fee information.
The merchant of the gas station can know the cost information conveniently.
Further, the method also comprises the following steps:
and a cash withdrawal recording step of recording the bank used for cash withdrawal, the cash withdrawal application, the commission policy and the cash withdrawal response speed at each time of cash withdrawal, generating a cash withdrawal record table and storing the cash withdrawal record table in a database designated by the server.
And the management and the calling of data are improved in a form recording mode.
Further, the cash withdrawal recording step further comprises the following steps:
and a cash withdrawal quick application step, wherein when a cash withdrawal application is proposed, similar or similar cash withdrawal records are matched from the database according to the cash withdrawal application and recommended to a gas station merchant.
The operation efficiency of the user for cash withdrawal is improved.
Further, the method also comprises the following steps:
and (3) cash withdrawal and customization steps: the method comprises the steps of obtaining cash withdrawal requirements of merchants of the gas station, matching similar or similar cash withdrawal records from a database according to the cash withdrawal requirements, and recommending the records to the merchants of the gas station, wherein the cash withdrawal requirements comprise lowest handling fees, high cash withdrawal response speed and high upper limit of cash withdrawal amount.
The method for carrying out cash withdrawal can be customized according to the cash withdrawal requirement, the cash withdrawal requirement of a user is facilitated, the efficiency of cash withdrawal is improved, and the labor cost is reduced.
Drawings
Fig. 1 is a logic block diagram of an intelligent payment scheme adjustment system according to an embodiment of the present invention.
Detailed Description
The following is further detailed by way of specific embodiments:
the first embodiment is as follows:
a payment scheme intelligent adjustment system, as shown in fig. 1, comprising a server, the server comprising the following modules:
the third party payment management module is used for managing balance in the usable third party payment system;
and the expense information management module is used for acquiring the relevant transaction details and the transaction expense information of the balance in the third-party payment system of the merchant of the gas station and generating an expense information management table according to the transaction details and the transaction expense information.
The cash withdrawal application module is used for managing cash withdrawal applications from balance cash withdrawal to bank cards in all third-party payment systems, and the cash withdrawal applications comprise cash withdrawal amount and cash withdrawal purposes;
the system comprises a commission management module, a payment processing module and a payment processing module, wherein the commission management module is used for acquiring commission policies of all usable banks in the cash withdrawal application process, and the commission policies comprise commission rates, single cash withdrawal limit upper limits and single day cash withdrawal limit upper limits;
and the cash withdrawal execution module is used for acquiring the cash withdrawal response speed of each available bank and selecting the bank with the lowest commission charge from the available banks for cash withdrawal according to the cash withdrawal amount, the cash withdrawal purpose, the commission charge policy and the cash withdrawal response speed.
And the cash withdrawal recording module is used for recording the bank used for cash withdrawal, the cash withdrawal application, the commission policy and the cash withdrawal response speed during each time of cash withdrawal, generating a cash withdrawal record form and storing the cash withdrawal record form in a database appointed by the server.
And the cash withdrawal quick application module is used for matching similar or similar cash withdrawal records from the database according to the cash withdrawal application when the cash withdrawal application is submitted, and recommending the similar or similar cash withdrawal records to the gas station commercial tenant. For example, according to the withdrawal amount and the withdrawal purpose of the withdrawal application, the same or similar withdrawal records about the withdrawal amount and the withdrawal purpose in the database are matched and searched.
Presenting a custom module: the method is used for obtaining the cash withdrawal requirements of the merchants of the gas station, matching similar or similar cash withdrawal records from the database according to the cash withdrawal requirements, and recommending the similar or similar cash withdrawal records to the merchants of the gas station, wherein the cash withdrawal requirements comprise lowest handling fee, high cash withdrawal response speed and high upper limit of cash withdrawal amount.
An intelligent payment scheme adjusting method is based on the system, and comprises the following steps:
a third party payment management step, which is used for managing the balance in the usable third party payment system;
and a fee information management step, namely acquiring the relevant transaction details and the transaction fee information of the balance in a third-party payment system of the merchant of the gas station, and generating a fee information management table according to the transaction details and the transaction fee information.
A withdrawal application step, namely managing withdrawal applications from balance withdrawal to bank cards in all third-party payment systems, wherein the withdrawal applications comprise withdrawal amount and withdrawal purposes;
a step of handling charge management, which is to obtain each handling charge policy capable of using a bank in the cash withdrawal application process, wherein the handling charge policies comprise a handling charge rate, a single cash withdrawal limit upper limit and a single day cash withdrawal limit upper limit;
and a cash withdrawal executing step of acquiring the cash withdrawal response speed of each available bank and selecting the bank with the lowest commission charge from the available banks for cash withdrawal according to the cash withdrawal amount, the cash withdrawal purpose, the commission charge policy and the cash withdrawal response speed.
And a cash withdrawal recording step of recording the bank used for cash withdrawal, the cash withdrawal application, the commission policy and the cash withdrawal response speed at each time of cash withdrawal, generating a cash withdrawal record table and storing the cash withdrawal record table in a database designated by the server.
And a cash withdrawal quick application step, wherein when a cash withdrawal application is proposed, similar or similar cash withdrawal records are matched from the database according to the cash withdrawal application and recommended to a gas station merchant.
And (3) cash withdrawal and customization steps: the method comprises the steps of obtaining cash withdrawal requirements of merchants of the gas station, matching similar or similar cash withdrawal records from a database according to the cash withdrawal requirements, and recommending the records to the merchants of the gas station, wherein the cash withdrawal requirements comprise lowest handling fees, high cash withdrawal response speed and high upper limit of cash withdrawal amount.
The specific implementation mode is as follows:
in the scheme, the cash withdrawal amount and the cash withdrawal purpose can be managed, and cash withdrawal is managed conveniently. And the policy of handling fees of each available bank, such as the amount of cash withdrawal, the account arrival response time, the stability of cash withdrawal, the rate policy of cash withdrawal and the like, can be obtained, so that the merchant of the gas station can conveniently select a cash withdrawal mode when analyzing the benefits, obtain the maximum benefits, reduce the time spent and reduce the labor cost.
The transaction details and the transaction fee information can generate a fee information management table and are stored in a database appointed by the server, so that the merchant of the gas station can know the fee information conveniently. When the cash withdrawal application is carried out, similar or similar cash withdrawal records can be matched from the database according to the cash withdrawal application and recommended to a merchant of a gas station, so that the reference of a user can be facilitated, and the operating efficiency of cash withdrawal of the user is improved. And the cash withdrawal mode can be customized according to the cash withdrawal requirement, so that the user can withdraw cash according to the requirement, the cash withdrawal efficiency is improved, and the labor cost is reduced. The management and calling of data can be improved in a form recording mode.
Example two:
the difference between the second embodiment and the second embodiment is that the payment scheme intelligent adjustment system further comprises the following modules:
the withdrawal application receiving module: the system comprises a request receiving module, a request sending module and a request sending module, wherein the request receiving module is used for receiving a cash withdrawal request of a merchant of a gas station;
an audit period setting module: the system comprises a central auditing and submitting system, a central auditing and submitting system and a central auditing and submitting system, wherein the central auditing and submitting is used for setting an auditing period of centralized auditing and submitting applications, and acquiring application time periods and applicant information of submitting applications submitted by merchants of gas stations in the auditing period;
the cash submission application auditing module: the system comprises a data base, a data base and a data processing system, wherein the data base is used for storing data of a gas station merchant; calling a database from a server according to the applicant information, acquiring historical cash-out records of the applicant, and performing descending arrangement on the applicant information according to the number of the historical cash-out records to generate an applicant audit arrangement table; and allocating different first weights to the applicant according to the application time periods in the application time period arrangement table, allocating different second weights to the applicant according to the number of history withdrawal records in the applicant review arrangement table, combining and calculating the first weights and the second weights to generate a review sequence arrangement table of the applicant, and sequentially reviewing withdrawal applications of the applicant according to the review sequence arrangement table. The audit includes a cash credit line and a cash credit purpose.
And an audit signature module: and the system is used for carrying out electronic signature on the submitted application which passes the audit and storing the submitted application in a database.
The intelligent payment scheme adjusting method further comprises the following steps:
submitting application receiving step: receiving a cash withdrawal application of a merchant of a gas station;
an audit period setting step: setting an audit period for centralized audit of the cash-out applications, and acquiring application time periods and applicant information of the cash-out applications proposed by merchants of gas stations in the audit period;
submitting a cash application and auditing step: sorting the withdrawal applications of the merchants of the gas station in a descending order according to the application time period to generate an application time period arrangement table; calling a database from a server according to the applicant information, acquiring historical cash-out records of the applicant, and performing descending arrangement on the applicant information according to the number of the historical cash-out records to generate an applicant audit arrangement table; and allocating different first weights to the applicant according to the application time periods in the application time period arrangement table, allocating different second weights to the applicant according to the number of history withdrawal records in the applicant review arrangement table, combining and calculating the first weights and the second weights to generate a review sequence arrangement table of the applicant, and sequentially reviewing withdrawal applications of the applicant according to the review sequence arrangement table. The audit includes a cash credit line and a cash credit purpose.
And (3) checking the signature: and carrying out electronic signature on the submitted application which passes the audit, and storing the submitted application in a database.
The specific implementation mode is as follows:
the setting of the auditing period can centralize the withdrawal applications received in the period, and can avoid that new withdrawal applications generated at any time are inserted into the auditing queue, so that the auditing sequence is disordered and the auditing efficiency is low.
And setting a review sequence arrangement table, assigning different weights to the time period applied by the applicant and the number of the historical cash-out records, and planning the review sequence of the applicant. The method has the advantages that the earlier the processing time of the applicant withdrawal application is, the better the customer experience can be improved, the more the number of the historical withdrawal records is, the more the auditing times are, less resources can be allocated for auditing if the auditing is preferentially carried out, and the auditing efficiency can be improved.
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. A payment scheme intelligent adjustment system is characterized in that: the server comprises the following modules:
the third party payment management module is used for managing balance in the usable third party payment system;
the cash withdrawal application module is used for managing cash withdrawal applications from balance cash withdrawal to bank cards in all third-party payment systems, and the cash withdrawal applications comprise cash withdrawal amount and cash withdrawal purposes;
the system comprises a commission management module, a payment processing module and a payment processing module, wherein the commission management module is used for acquiring commission policies of all usable banks in the cash withdrawal application process, and the commission policies comprise commission rates, single cash withdrawal limit upper limits and single day cash withdrawal limit upper limits;
and the cash withdrawal execution module is used for acquiring the cash withdrawal response speed of each available bank and selecting the bank with the lowest commission charge from the available banks for cash withdrawal according to the cash withdrawal amount, the cash withdrawal purpose, the commission charge policy and the cash withdrawal response speed.
2. The payment scheme intelligent adjustment system of claim 1, wherein: the third party payment management module further comprises the following modules:
and the expense information management module is used for acquiring the relevant transaction details and the transaction expense information of the balance in the third-party payment system of the merchant of the gas station and generating an expense information management table according to the transaction details and the transaction expense information.
3. The payment scheme intelligent adjustment system of claim 1, wherein: the system also comprises the following modules:
and the cash withdrawal recording module is used for recording the bank used for cash withdrawal, the cash withdrawal application, the commission policy and the cash withdrawal response speed during each time of cash withdrawal, generating a cash withdrawal record form and storing the cash withdrawal record form in a database appointed by the server.
4. The payment scheme intelligent adjustment system of claim 3, wherein: the cash withdrawal recording module further comprises the following modules:
and the cash withdrawal quick application module is used for matching similar or similar cash withdrawal records from the database according to the cash withdrawal application when the cash withdrawal application is submitted, and recommending the similar or similar cash withdrawal records to the gas station commercial tenant.
5. The payment scheme intelligent adjustment system of claim 4, wherein: the system also comprises the following modules:
presenting a custom module: the method is used for obtaining the cash withdrawal requirements of the merchants of the gas station, matching similar or similar cash withdrawal records from the database according to the cash withdrawal requirements, and recommending the similar or similar cash withdrawal records to the merchants of the gas station, wherein the cash withdrawal requirements comprise lowest handling fee, high cash withdrawal response speed and high upper limit of cash withdrawal amount.
6. An intelligent payment scheme adjustment method is characterized by comprising the following steps: the method comprises the following steps:
a third party payment management step, which is used for managing the balance in the usable third party payment system;
a withdrawal application step, namely managing withdrawal applications from balance withdrawal to bank cards in all third-party payment systems, wherein the withdrawal applications comprise withdrawal amount and withdrawal purposes;
a step of handling charge management, which is to obtain each handling charge policy capable of using a bank in the withdrawal application process, wherein the handling charge policies comprise a handling charge rate, a single withdrawal limit upper limit and a single day withdrawal limit upper limit;
and a cash withdrawal executing step of acquiring the cash withdrawal response speed of each available bank and selecting the bank with the lowest commission charge from the available banks for cash withdrawal according to the cash withdrawal amount, the cash withdrawal purpose, the commission charge policy and the cash withdrawal response speed.
7. The payment scheme intelligent adjustment method of claim 6, wherein: the third party payment management step further comprises the steps of:
and a fee information management step, namely acquiring the relevant transaction details and the transaction fee information of the balance in a third-party payment system of the merchant of the gas station, and generating a fee information management table according to the transaction details and the transaction fee information.
8. The payment scheme intelligent adjustment method of claim 6, wherein: further comprising the steps of:
and a cash withdrawal recording step of recording the bank used for cash withdrawal, the cash withdrawal application, the commission policy and the cash withdrawal response speed at each time of cash withdrawal, generating a cash withdrawal record table and storing the cash withdrawal record table in a database designated by the server.
9. The payment scheme intelligent adjustment method of claim 8, wherein: the cash withdrawal recording step further comprises the following steps:
and a cash withdrawal quick application step, wherein when a cash withdrawal application is proposed, similar or similar cash withdrawal records are matched from the database according to the cash withdrawal application and recommended to a gas station merchant.
10. The payment scheme intelligent adjustment method of claim 9, wherein: further comprising the steps of:
and (3) cash withdrawal and customization steps: the method comprises the steps of obtaining cash withdrawal requirements of merchants of the gas station, matching similar or similar cash withdrawal records from a database according to the cash withdrawal requirements, and recommending the records to the merchants of the gas station, wherein the cash withdrawal requirements comprise lowest handling fees, high cash withdrawal response speed and high upper limit of cash withdrawal amount.
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| CN116579809A (en) * | 2023-07-13 | 2023-08-11 | 深圳市享多多网络技术有限公司 | Aggregate payment system based on cloud computing |
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