CN110728506A - Transaction data processing method and device - Google Patents

Transaction data processing method and device Download PDF

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Publication number
CN110728506A
CN110728506A CN201910999318.8A CN201910999318A CN110728506A CN 110728506 A CN110728506 A CN 110728506A CN 201910999318 A CN201910999318 A CN 201910999318A CN 110728506 A CN110728506 A CN 110728506A
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payment
paid
identifier
mode
user
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CN110728506B (en
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李雄清
齐静
熊铭
李永
闫飞
雷凯茹
周东琳
李云博
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China Travelsky Technology Co Ltd
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China Travelsky Technology Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • 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
    • G06Q40/08—Insurance

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  • Finance (AREA)
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  • General Physics & Mathematics (AREA)
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Abstract

The application discloses a transaction data processing method, which is applied to a transaction data processing device and comprises the following steps: determining a payment identifier corresponding to a payment mode according to the payment mode selected by a user for a commodity to be paid; sending a payment request to a payment gateway; wherein the payment request at least comprises the payment identifier and the price of each type of the to-be-paid commodities; the payment request is used for triggering the payment gateway to transfer the cost of each type of the commodities to be paid in the cost paid by the user into the corresponding collection account; the collection account corresponds to the payment identifier; the payment gateway is pre-configured with a plurality of payment accounts under each payment mode, and is configured with one payment identifier for each payment mode, and each payment account corresponds to one type of goods. By the method, the account can be accurately completed during payment, settlement is not required to be performed in the later period, and the expense and the labor expenditure for the later-period settlement are saved.

Description

Transaction data processing method and device
Technical Field
The invention relates to the technical field of data processing, in particular to a method and a device for processing transaction data.
Background
At present, in order to improve the sales of commodities, and also to facilitate the user to select and purchase commodities and improve the user experience, many merchants sell commodities of the company, and also sell commodities of other companies. The user can purchase different kinds of commodities on one platform, and can pay for all commodities at one time. In the prior art, the total fee paid by the user at one time is entered into an account of a company. The company carries out clearing according to the transaction data at the later stage, and transfers the corresponding cost to other companies.
For example, an airline sells tickets as well as insurance. The user can buy the air ticket and buy the insurance at the same time, and then pay the total cost of the air ticket and the insurance in one payment mode. The ticket fee and the insurance fee paid by the user at one time are entered into the account of the airline company. That is, the airline needs to collect the insurance fee instead of the insurance company. Therefore, the airline company needs to settle with the insurance company every month, and needs to extract data from the own settlement system during settlement, check the data with the data of the business system, and transfer the premium to the insurance company after checking the data without errors.
Therefore, the expense is collected by one company and then settled in the later period, which undoubtedly increases the expense and the labor cost. Therefore, it is important to transfer the fees belonging to different companies from the paid fees to the account of the corresponding company when the user pays.
Disclosure of Invention
Based on the defects of the prior art, the invention provides a transaction data processing method and device, so that the account can be completed when payment is carried out, and settlement is not required to be carried out later.
In order to achieve the purpose, the invention provides the following technical scheme:
the invention provides a method for processing transaction data, which is applied to a transaction data processing device and comprises the following steps:
determining a payment identifier corresponding to a payment mode according to the payment mode selected by a user for a commodity to be paid;
sending a payment request to a payment gateway; wherein the payment request at least comprises the payment identifier and the price of each type of the to-be-paid commodities; the payment request is used for triggering the payment gateway to transfer the cost of each type of the commodities to be paid in the cost paid by the user into the corresponding collection account; the collection account corresponds to the payment identifier;
the payment gateway is pre-configured with a plurality of payment accounts under each payment mode, and is configured with one payment identifier for each payment mode, and each payment account corresponds to one type of goods.
Optionally, in the method, the method for configuring the payment method by the transaction data processing apparatus includes:
creating a payment mode group and placing all payment modes into the payment mode group;
and configuring the corresponding payment identification for each payment mode in the payment mode group.
Optionally, in the method, before determining, according to a payment method selected by a user for a to-be-paid commodity, a payment identifier corresponding to the payment method, the method further includes:
judging whether the payment needs to be divided according to the information of the commodity to be paid; the information of the commodity to be paid at least comprises one of a pre-configured branch payment identifier or a non-branch payment identifier;
and if the payment needs to be divided, outputting all payment modes in the payment mode group to a user for selection.
Optionally, in the method, before determining, according to a payment method selected by a user for a to-be-paid commodity, a payment identifier corresponding to the payment method, the method further includes:
a payment order is created and a billing identification is recorded into the payment order.
Optionally, in the method, after determining, according to a payment method selected by a user for a to-be-paid commodity, a payment identifier corresponding to the payment method, the method further includes:
respectively recording a plurality of payment records in the payment order; wherein each of the payment records the price of a type of the goods to be paid.
Optionally, in the above method, after sending the payment request to the payment gateway, the method further includes:
receiving the payment state of each fee transferred into a collection account and the transaction flow of each fee returned by the payment gateway;
and respectively recording the payment state of each expense and the transaction flow of each expense into the corresponding payment record of the payment order.
Another aspect of the present invention provides a transaction data processing apparatus, including:
the payment processing device comprises a determining unit, a payment processing unit and a payment processing unit, wherein the determining unit is used for determining a payment identifier corresponding to a payment mode according to the payment mode selected by a user for a commodity to be paid;
a sending unit, configured to send a payment request to a payment gateway; wherein the payment request at least comprises the payment identifier and the price of each type of the to-be-paid commodities; the payment request is used for triggering the payment gateway to transfer the cost of each type of the commodities to be paid in the cost paid by the user into the corresponding collection account; the collection account corresponds to the payment identifier;
the payment gateway is pre-configured with a plurality of payment accounts under each payment mode, and is configured with one payment identifier for each payment mode, and each payment account corresponds to one type of goods.
Optionally, in the above apparatus, further comprising:
the payment system comprises a creating unit, a payment mode selecting unit and a payment mode selecting unit, wherein the creating unit is used for creating a payment mode group and placing all payment modes into the payment mode group;
and the configuration unit is used for configuring the corresponding payment identifier for each payment mode in the payment mode group.
Optionally, in the above apparatus, further comprising:
the judging unit is used for judging whether the payment needs to be divided according to the information of the commodity to be paid; the information of the commodity to be paid at least comprises one of a pre-configured branch payment identifier or a non-branch payment identifier;
and the output unit is used for judging that the payment needs to be separated in the judging unit and outputting all payment modes in the payment mode group to a user for selection.
Optionally, in the above apparatus, further comprising:
the first recording unit is used for creating a payment order and recording the billing identification into the payment order.
Optionally, in the above apparatus, further comprising:
the second recording unit is used for respectively recording a plurality of payment records in the payment order; wherein each of the payment records the price of a type of the goods to be paid.
Optionally, in the above apparatus, further comprising:
the receiving unit is used for receiving the payment state of each fee transferred into the collection account and the transaction flow of each fee returned by the payment gateway;
and the third recording unit is used for respectively recording the payment state of each expense and the transaction flow of each expense into the corresponding payment record of the payment order.
The invention discloses a transaction data processing method, which is characterized in that a plurality of collection accounts of each payment mode are configured in a payment gateway, and a payment identifier is configured for each payment mode, wherein each collection account corresponds to one type of commodity. One payment identifier corresponds to the collection accounts for multiple types of goods. When the payment identifier corresponding to the payment mode is determined according to the payment mode selected by the user for the commodity to be paid, the payment identifier is equivalent to each collection account needing to be subjected to billing. And then sending a payment request containing the payment identifier and the price of each type of commodity to be paid to the payment gateway, thereby triggering the payment gateway to transfer the cost of each type of commodity to be paid in the cost paid by the user into the corresponding collection account. Therefore, the payment can be transferred into the corresponding collection account in the payment process, and the post-stage accounting work is not needed. Thereby greatly reducing unnecessary expenses and manpower expenses.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flow chart of a method of transaction data processing according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method of transaction data processing according to another embodiment of the present invention;
fig. 3 is a schematic structural diagram of a transaction data processing device according to another embodiment of the present invention;
fig. 4 is a schematic structural diagram of a transaction data processing apparatus according to another embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment of the invention discloses a transaction data processing method, which is applied to a transaction data processing device, and as shown in figure 1, the method specifically comprises the following steps:
s101, determining a payment identifier corresponding to a payment mode according to the payment mode selected by a user for the commodity to be paid.
The goods to be paid can be air tickets, insurance, food or services and the like, and are not limited to the goods on the physical level. The commodities to be paid can be various commodities of different types which are sold under the same platform in a centralized mode, and the commodities of different types correspond to different merchants, namely the commodities of different types are sold under the same platform in a cooperative mode through the merchants, so that the sales fees of the commodities of different types belong to different merchants. For example, in a platform for purchasing tickets, both tickets and insurance products are sold, and even some platforms may purchase food or merchandise. All of the items do not belong to the same company, the ticket belongs to the airline, the insurance belongs to the insurance company, and the food or the items belong to other suppliers. Sales of different kinds of goods are finally handed to corresponding merchants.
In the prior art, merchants mainly in a platform collect all fees paid by users, and settle accounts with other merchants at a later stage, usually at the end of the month. Later clearing undoubtedly requires corresponding manpower and material resources. And other merchants can not receive the goods money in time, and can only receive the corresponding goods money when settling accounts, which undoubtedly also influences the turnover of funds of the merchants.
For example, the ticket fee and the insurance fee paid by the user at one time are entered into the account of the airline. That is, the airline needs to collect the insurance fee instead of the insurance company. Therefore, the airline company needs to settle with the insurance company every month, and the data is extracted from the settlement system of the airline company and checked with the data of the business system, and the premium is transferred to the insurance company after the check is correct. Therefore, the airline company needs to add extra expenses and manpower for the settlement work.
Therefore, in order to reduce the additional expenses and the expenditure of manpower, the expenses of the different kinds of goods to be paid should be entered into the account of the corresponding merchant when the user makes the payment. And when paying, let the user pay respectively to different goods, obviously can increase the loaded down with trivial details degree of payment, influence user's experience. Therefore, the user can realize the purpose of transferring the expenses belonging to different companies in the total expenses into the expenses of different companies in the payment process on the premise of paying the expenses once.
Therefore, in the embodiment of the invention, the user only needs to pay once, that is, the user only needs to select one payment mode for the commodity to be paid, even if the commodity to be paid is various commodities of different types. However, the payment method provided to the user's choice may be various. For example, the payment methods provided to the user include paypal payment, wechat payment, and internet bank payment of each large bank, and the user selects only one of the payment methods and pays for all the commodities at one time through the selected payment method.
Wherein, each payment mode corresponds to a unique payment identifier. Therefore, the payment identifier corresponding to the payment mode is determined according to the payment mode selected by the user for the commodity to be paid. That is, the user selects the payment method, which is equivalent to selecting the payment identifier corresponding to the payment method.
S102, sending a payment request to a payment gateway; wherein the payment request at least comprises the payment identifier and the price of each type of the to-be-paid commodities; the payment request is used for triggering the payment gateway to transfer the cost of each type of the commodities to be paid in the cost paid by the user into the corresponding collection account; the collection account corresponds to the payment identifier.
The payment gateway is pre-configured with a plurality of payment accounts under each payment mode, and is configured with one payment identifier for each payment mode, and each payment account corresponds to one type of goods.
It should be noted that a category of goods may refer to all goods of a company, that is, all goods sold by each company in the platform are classified as a category of goods. In this way, the cost of the to-be-paid goods belonging to the same company among the to-be-paid goods enters a payment account of the company. For example, in a platform for ticket sales, all of the items sold by airlines, such as tickets, baggage, meals, and additional services, are classified as one type of item. When the payment is carried out, the expenses of all the commodities belonging to the airline company in the commodities to be paid enter the account of the same airline company. Of course, the classification of the products is not limited to the above-described mode, and other product classification modes also belong to the scope of the present invention. For example, each line of merchandise for each company is individually classified into one category.
The payment gateway is used for realizing transaction on the Internet. And adding a collection account in the payment gateway by the merchant in advance, and configuring a corresponding payment identifier when the payment gateway is obtained. And the merchant conducts transaction with the user through the payment identifier, and the transacted fee enters the collection account added into the payment gateway.
It should be noted that since different kinds of products belong to different companies, charges for the different kinds of products should be charged to the payment account of the corresponding company. Therefore, the payment gateway should be pre-configured with the collection accounts of all companies. Optionally, in order to meet different requirements of different users on payment manners, in this embodiment, the payment gateway is preconfigured with a plurality of payment accounts in each payment manner. That is, a plurality of payment receiving accounts for each payment method supported by a payment gateway are added to the payment gateway in advance. The amount of the payment accounts added for each payment mode is consistent with the amount of the types of the sold commodities, namely each payment account corresponds to one type of commodities. For example, if there are three types of commodities, three pay bank accounts may be added, where the three pay bank accounts correspond to three types of commodities, and the three pay bank accounts belong to three different merchants respectively.
When a plurality of collection accounts of each payment mode are added into the payment gateway, the payment gateway configures corresponding unique payment identification for the payment modes. Therefore, one payment identifier corresponds to one payment mode and also corresponds to a plurality of collection accounts of the payment mode. When the payment identifier corresponding to the payment mode is determined according to the payment mode selected by the user for the commodity to be paid, the payment identifier is equivalent to a plurality of charging accounts for performing the accounting.
After the payment identifier corresponding to the payment mode is determined according to the payment mode selected by the user for the commodity to be paid, a payment request is sent to a payment gateway so as to trigger the payment gateway to transfer the cost of each type of the commodity to be paid in the cost paid by the user into a corresponding collection account. That is to say, the payment request is used as a trigger event, and the payment gateway is triggered to transfer the cost of each type of the to-be-paid commodities in the cost paid by the user into the corresponding collection account according to the information contained in the payment request. Wherein the payment request at least comprises the payment identification and the price of each type of the goods to be paid. And the payment identifier in the payment request is used for determining a plurality of collection accounts for collecting the money, and each collection account corresponds to one type of commodities. The price of each type of the item to be paid in the payment request is used to determine the specific fee to be transferred into each payment account.
Optionally, a specific implementation manner that the payment gateway transfers the cost of each type of the to-be-paid commodity in the cost paid by the user into the corresponding collection account according to the information included in the payment request may be: and sending the payment request with a fixed format to a payment gateway, wherein the payment request meets the requirements of the payment gateway. Optionally, the requirements of the payment gateway may be: the price of each type of goods is placed in a different field in the payment request, and each field corresponds to one collection account. This also requires that the above requirements are met when adding a collection account to the payment gateway, which should correspond to a field in the payment request.
For example, if the airline only sells tickets and insurance, then a field one in the corresponding payment request is used for placing the cost of the ticket, and a collection account is added such that a field one corresponds to the account of the airline. Similarly, the second field is used for placing insurance cost and corresponds to an account of the aviation union. It should be noted that, the insurance sale of the airline company is regulated by the airline union, so the insurance cost needs to be included in the account number of the airline union. If the fee of the air ticket selected by the user is 1800 Yuan, the fee of the insurance is 200 Yuan, and the selected payment method is the payment of the pay treasure. Then, the payment request sent to the payment gateway should set field one to 1800 yuan and field two to 200 yuan, and the corresponding payment identifier should be paid by the paypal. And finally, the payment gateway transfers 1800 Yuan of 2000 Yuan paid by the user into the Payment treasures account of the airline company and transfers 200 Yuan into the Payment treasures account of the airline union.
In the embodiment of the invention, a plurality of collection accounts of each payment mode are configured in the payment gateway, and one payment identifier is configured for each payment mode, wherein each collection account corresponds to one type of commodity. One payment identifier corresponds to the collection accounts for multiple types of goods. After the payment identifier corresponding to the payment mode is determined according to the payment mode selected by the user for the commodity to be paid, a payment request containing the payment identifier and the price of each type of commodity to be paid is sent to the payment gateway, so that the payment gateway is triggered to transfer the cost of each type of commodity to be paid in the cost paid by the user into the corresponding collection account. The payment receiving account can be determined according to the payment identifier in the payment request, and the specific fee to be transferred into each account is determined according to the fee of each type of the commodities to be paid. Therefore, under the condition of not changing the payment mode of the user, the payment can be transferred into the corresponding collection account in the payment process, and the later-stage accounting work is not needed. Thereby greatly reducing unnecessary expenses and manpower expenses.
Optionally, a method for processing transaction data disclosed in another specific implementation of the present invention is applied to a transaction data processing apparatus, and as shown in fig. 2, the method specifically includes:
s201, creating a payment mode group, and placing all payment modes into the payment mode group.
And the payment modes placed in the payment mode group are supported by the payment gateway, and the payment modes of corresponding payment accounts are added in the payment gateway. The payment mode is provided for selection by the transaction data processing device to the user.
The creation of the payment means group and the placement of all payment means facilitate the management of a plurality of payment means. For example, when the split is no longer used, all payment methods in the payment method group may be directly masked. In addition, in order to meet different requirements, the transaction data processing device can support a plurality of different transaction data processing modes, so that the transaction data processing device needs to be distinguished by different payment mode groups. For example, part of insurance and air tickets of an airline company can be separated, and the part of insurance and air tickets are not allowed to be separated, so that the airline can be separated only after the insurance cost of the first generation is later. Each payment mode for carrying out the account division corresponds to two collection accounts of the airline company and the airline union, and the payment mode without carrying out the account division only corresponds to the account of the airline company. Therefore, at this time, it is necessary to store the corresponding payment means through two different payment means groups.
S202, configuring corresponding payment identification for each payment mode in the payment mode group.
It should be noted that, a plurality of payment receiving accounts of a payment method are added to the payment gateway, and the payment gateway generates a payment identifier accordingly. And the transaction data processing device configures the payment identification to each corresponding payment mode. Therefore, each payment identifier corresponds to one payment mode and also corresponds to a plurality of collection accounts of the payment mode.
It should be noted that the steps S201 and S202 constitute a method for configuring a payment method by the transaction data processing device. The method is performed in advance and does not require steps to be performed each time transaction data is processed by the method provided by the embodiments of the present invention. That is, after the payment method is configured in advance, the method provided by the embodiment of the present invention may be executed directly from step S203.
And S203, judging whether the payment needs to be separated according to the information of the commodity to be paid.
The information of the to-be-paid commodity at least comprises one of a pre-configured branch payment identifier or a non-branch payment identifier.
For the goods sold, there may be goods for which the payment is allowed for the billing and goods for which the billing is not allowed. Therefore, in order to determine whether the goods can be separated, one of a separation payment identifier or a non-separation identifier may be configured in the information of the goods in advance. If the information of the to-be-paid commodity contains a payment branch identifier, the to-be-paid commodity is allowed to be divided; and if the information of the goods to be paid contains the non-account-separating mark, the account separation is not allowed. Of course, other ways of distinguishing and determining whether the goods can be classified are also adopted, and the method belongs to the scope of the invention. For example, the information of the commodity which is allowed to be separated includes a separation identifier, and the commodity which does not include the separation identifier in the commodity information cannot be separated.
And S204, outputting all payment modes in the payment mode group to a user for selection.
When the step S203 is executed to determine that the payment needs to be separated, that is, the information of the to-be-paid commodity includes a separation identifier, the step S204 is executed.
That is, in the case where the billing is allowed, the payment means supporting the billing is provided to the user for selection. And when step S204 is executed to determine that the payment does not need to be separated, the corresponding other payment method should be provided for the user to select.
S205, creating a payment order and recording the billing identification into the payment order.
Optionally, in order to facilitate subsequent inquiry, after the user selects a payment method for the to-be-paid commodity, before the payment identifier corresponding to the payment method is determined according to the payment method selected by the user for the to-be-paid commodity, a payment order is created for the payment, the branch account identifier is recorded in the payment order, the payment order is marked as the order for recording the branch account payment, and then inquiry of the payment state and subsequent logical processing of a quit improvement line are performed by using the branch account identifier. It should be noted that the billing identifier is different from the billing payment identifier in the information of the to-be-paid commodity and the payment identifier configured for the payment method.
S206, determining a payment identifier corresponding to the payment mode according to the payment mode selected by the user for the commodity to be paid.
And S207, respectively recording a plurality of payment records in the payment order.
Wherein each of the payment records the price of a type of the goods to be paid.
Since the payment is divided into account, in order to conveniently inquire and distinguish different payment records, a plurality of payment records are respectively recorded in the payment order, wherein each payment record records the price of one type of the goods to be paid. Alternatively, different payment records are recorded in different types, in order to be directly distinguishable.
S208, sending a payment request to a payment gateway; wherein the payment request at least comprises the payment identifier and the price of each type of the to-be-paid commodities; the payment request is used for triggering the payment gateway to transfer the cost of each type of the commodities to be paid in the cost paid by the user into the corresponding collection account; the collection account corresponds to the payment identifier.
The payment gateway is pre-configured with a plurality of payment accounts under each payment mode, and is configured with one payment identifier for each payment mode, and each payment account corresponds to one type of goods.
S209, receiving the payment state of each fee transferred into the collection account returned by the payment gateway and the transaction flow of each fee.
Since the cost of each commodity is respectively entered into different collection accounts, the payment gateway can correspondingly return the payment state and transaction flow of each cost respectively entered into the collection accounts.
S210, respectively recording the payment state of each expense and the transaction flow of each expense into the corresponding payment record of the payment order.
The payment status and transaction flow of each fee are recorded into the corresponding payment record in the payment order created when step S205 is executed, so as to meet the requirements of later checking, reconciliation and the like.
The embodiment of the invention places the payment modes through the pre-configured payment mode group, thereby facilitating the management of the payment modes. And whether the payment is divided or not is judged, a corresponding payment mode is provided, and the payment mode which is not divided can be compatible under the condition of supporting the division. A plurality of collection accounts of each payment mode are configured in the payment gateway, and a payment identifier is configured for each payment mode, wherein each collection account corresponds to one type of goods. One payment identifier corresponds to the collection accounts for multiple types of goods. When the payment identifier corresponding to the payment mode is determined according to the payment mode selected by the user for the commodity to be paid, the payment request containing the payment identifier and the price of each type of commodity to be paid is sent to the payment gateway, so that the payment gateway is triggered to transfer the cost of each type of commodity to be paid in the cost paid by the user into the corresponding collection account. Therefore, the payment can be transferred into the corresponding collection account in the payment process, and the post-stage accounting work is not needed. And the payment records of each expense are respectively recorded, so that the later-stage query, the return and correction and the other operations are facilitated.
Another embodiment of the present invention discloses a transaction data processing apparatus, as shown in fig. 3, including:
the determining unit 301 is configured to determine, according to a payment method selected by a user for a to-be-paid commodity, a payment identifier corresponding to the payment method.
A sending unit 302, configured to send a payment request to a payment gateway; wherein the payment request at least comprises the payment identifier and the price of each type of the to-be-paid commodities; the payment request is used for triggering the payment gateway to transfer the cost of each type of the commodities to be paid in the cost paid by the user into the corresponding collection account; the collection account corresponds to the payment identifier.
The payment gateway is pre-configured with a plurality of payment accounts under each payment mode, and is configured with one payment identifier for each payment mode, and each payment account corresponds to one type of goods.
According to the embodiment of the invention, the payment identifier corresponding to the payment mode is determined by the determining unit according to the payment mode selected by the user for the commodity to be paid, and the sending unit sends a payment request to the payment gateway; wherein the payment request at least comprises the payment identification and the price of each type of the goods to be paid. And the payment request triggers the payment gateway to transfer the cost of each type of the commodities to be paid in the cost paid by the user into the corresponding collection account. Therefore, the payment can be transferred into the corresponding collection account in the payment process, and the post-stage accounting work is not needed. Thereby greatly reducing unnecessary expenses and manpower expenses.
Optionally, in another embodiment of the present invention, as shown in fig. 4, the transaction data processing apparatus may further include:
a creating unit 401, configured to create a payment method group, and place all payment methods in the payment method group;
a configuring unit 402, configured to configure the corresponding payment identifier for each payment method in the payment method group.
A judging unit 403, configured to judge whether the payment needs to be split according to the information of the to-be-paid commodity; the information of the to-be-paid commodity at least comprises one of a pre-configured branch payment identifier or a non-branch payment identifier.
And the output unit 404 is configured to determine that the payment needs to be split in the determination unit, and output all payment methods in the payment method group to a user for selection.
A first recording unit 405 for creating a payment order and recording the billing identification into the payment order
A second recording unit 407, configured to record multiple payment records in the payment order respectively.
Wherein each of the payment records the price of a type of the goods to be paid.
The receiving unit 409 is configured to receive a payment status of each fee transferred into the collection account and a transaction flow of each fee returned by the payment gateway.
The second recording unit 410 is configured to record the payment status of each fee and the transaction flow of each fee into the corresponding payment record of the payment order respectively.
For the specific working process of the unit disclosed in the above embodiment of the present invention, reference may be made to the content of the corresponding method embodiment, which is not described herein again.
Those skilled in the art can make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (12)

1. A transaction data processing method is applied to a transaction data processing device, and comprises the following steps:
determining a payment identifier corresponding to a payment mode according to the payment mode selected by a user for a commodity to be paid;
sending a payment request to a payment gateway; wherein the payment request at least comprises the payment identifier and the price of each type of the to-be-paid commodities; the payment request is used for triggering the payment gateway to transfer the cost of each type of the commodities to be paid in the cost paid by the user into the corresponding collection account; the collection account corresponds to the payment identifier;
the payment gateway is pre-configured with a plurality of payment accounts under each payment mode, and is configured with one payment identifier for each payment mode, and each payment account corresponds to one type of goods.
2. The method of claim 1, wherein the transaction data processing device configures the payment method to include:
creating a payment mode group and placing all payment modes into the payment mode group;
and configuring the corresponding payment identification for each payment mode in the payment mode group.
3. The method according to claim 2, wherein before determining the payment identifier corresponding to the payment method according to the payment method selected by the user for the commodity to be paid, the method further comprises:
judging whether the payment needs to be divided according to the information of the commodity to be paid; the information of the commodity to be paid at least comprises one of a pre-configured branch payment identifier or a non-branch payment identifier;
and if the payment needs to be divided, outputting all payment modes in the payment mode group to a user for selection.
4. The method according to claim 1, wherein before determining the payment identifier corresponding to the payment method according to the payment method selected by the user for the commodity to be paid, the method further comprises:
a payment order is created and a billing identification is recorded into the payment order.
5. The method according to claim 4, wherein after the user determines the payment identifier corresponding to the payment method for the payment method selected by the commodity to be paid, the method further comprises:
respectively recording a plurality of payment records in the payment order; wherein each of the payment records the price of a type of the goods to be paid.
6. The method of claim 4, wherein after sending the payment request to the payment gateway, further comprising:
receiving the payment state of each fee transferred into a collection account and the transaction flow of each fee returned by the payment gateway;
and respectively recording the payment state of each expense and the transaction flow of each expense into the corresponding payment record of the payment order.
7. A transaction data processing apparatus, comprising:
the payment processing device comprises a determining unit, a payment processing unit and a payment processing unit, wherein the determining unit is used for determining a payment identifier corresponding to a payment mode according to the payment mode selected by a user for a commodity to be paid;
a sending unit, configured to send a payment request to a payment gateway; wherein the payment request at least comprises the payment identifier and the price of each type of the to-be-paid commodities; the payment request is used for triggering the payment gateway to transfer the cost of each type of the commodities to be paid in the cost paid by the user into the corresponding collection account; the collection account corresponds to the payment identifier;
the payment gateway is pre-configured with a plurality of payment accounts under each payment mode, and is configured with one payment identifier for each payment mode, and each payment account corresponds to one type of goods.
8. The apparatus of claim 7, further comprising:
the payment system comprises a creating unit, a payment mode selecting unit and a payment mode selecting unit, wherein the creating unit is used for creating a payment mode group and placing all payment modes into the payment mode group;
and the configuration unit is used for configuring the corresponding payment identifier for each payment mode in the payment mode group.
9. The apparatus of claim 8, further comprising:
the judging unit is used for judging whether the payment needs to be divided according to the information of the commodity to be paid; the information of the commodity to be paid at least comprises one of a pre-configured branch payment identifier or a non-branch payment identifier;
and the output unit is used for judging that the payment needs to be separated in the judging unit and outputting all payment modes in the payment mode group to a user for selection.
10. The apparatus of claim 7, further comprising:
the first recording unit is used for creating a payment order and recording the billing identification into the payment order.
11. The apparatus of claim 10, further comprising:
the second recording unit is used for respectively recording a plurality of payment records in the payment order; wherein each of the payment records the price of a type of the goods to be paid.
12. The apparatus of claim 10, further comprising:
the receiving unit is used for receiving the payment state of each fee transferred into the collection account and the transaction flow of each fee returned by the payment gateway;
and the third recording unit is used for respectively recording the payment state of each expense and the transaction flow of each expense into the corresponding payment record of the payment order.
CN201910999318.8A 2019-10-21 2019-10-21 Transaction data processing method and device Active CN110728506B (en)

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