CN112116340B - Account separating method and system based on bank merchant order receiving mode - Google Patents
Account separating method and system based on bank merchant order receiving mode Download PDFInfo
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Abstract
The invention provides a method and a system for separating accounts based on a bank merchant order receiving mode, wherein the method comprises the following steps: receiving order information sent by a consumer market operator application system; transferring funds of the payment account which are the same as the order amount to a supervision account according to the order amount in the order information and account information of the payment account so as to complete the transaction; the invention can determine the account dividing mode according to the actual conditions of operators and order transactions, and realize flexible account dividing according to different account dividing modes.
Description
Technical Field
The invention relates to the technical field of transaction payment, in particular to a method and a system for dividing accounts based on a bank merchant order receiving mode.
Background
At present, most commercial tenant groups in the consumer market are in the conditions of decentralized operation and respective collection, and with the wide application of Internet electronic commerce and mobile payment, the scene of mutual fusion of offline service and online transaction is more and more, and the commercial tenant groups in the respective decentralized operation gradually bring together consumer market operators with both client influence and brand strength in the commercial tenant order collection market. Under such new situation, the merchant order market participants have more vigorous demands for "unified payment+multiparty accounting". The acquiring and collecting participants in the consumer market can be divided into two categories.
The first category is operators of the consumer market: a centralized transaction platform is provided for consumers and scattered merchants, which is the main body for facilitating the consumers to reach the merchants, and the consumers expect to obtain the return in each transaction. Another category is consumer market merchants/sellers: goods or services are provided to consumers based on a centralized transaction platform provided by the consumer market operator. However, most of the existing account dividing technologies limit the account dividing participants and the account dividing amount during payment, cannot cope with the change of objective factors of the market, and cannot flexibly customize the account dividing service according to the market demand. Thus, there are many pain points and appeal to both consumer and business operators, and there is an urgent need to address this problem. For example, the market manager has the problems of license plate missing, account separation, low efficiency, account checking difficulty and the like. Merchants have the difficulties of slow money return, difficult financing, worry about the use of funds, and the like.
Disclosure of Invention
The invention aims to provide a billing method based on a bank merchant order receiving mode, which is used for determining a billing mode according to actual conditions of an operator and order transaction and realizing flexible billing according to different billing modes. Another object of the present invention is to provide a billing system based on a bank merchant order receiving mode. It is a further object of the invention to provide a computer device. It is a further object of the invention to provide a readable medium.
In order to achieve the above purpose, the invention discloses a method for separating accounts based on a bank merchant order receiving mode, comprising the following steps:
receiving order information sent by a consumer market operator application system;
transferring funds of the payment account which are the same as the order amount to a supervision account according to the order amount in the order information and account information of the payment account so as to complete the transaction;
and determining a corresponding account dividing mode according to merchant information corresponding to the order information, determining account dividing information of the settlement accounts according to the account dividing mode, and transferring funds in the supervision accounts to each settlement account according to the account dividing information.
Preferably, the receiving order information sent by the consumer market operator application system specifically includes:
performing admission verification on the consumer market operator application system according to the order information;
and if the verification is successful, carrying out payment transaction registration on the order information.
Preferably, the ledger pattern includes an instruction ledger pattern, a payment ledger pattern, and a parameter ledger pattern.
Preferably, when the account distribution mode is an instruction account distribution mode, determining account distribution information of the settlement account according to the account distribution mode specifically includes:
receiving actual transaction information sent by an application system of a consumer market operator, wherein the actual transaction information comprises actual transaction amount, transaction order information and a billing instruction;
determining corresponding order information according to the transaction order information;
and determining account dividing information of a settlement account according to the order information and the transaction order information.
Preferably, when the account distribution mode is a payment account distribution mode, determining account distribution information of the settlement account according to the account distribution mode specifically includes:
And determining account separating information reserved by the consumer market operator application system according to the order information.
Preferably, when the account distribution mode is a parameter account distribution mode, determining account distribution information of the settlement account according to the account distribution mode specifically includes:
Determining preset account dividing parameters according to the order information;
and determining the account dividing information of the settlement account according to the account dividing parameters and the order information.
Preferably, determining a corresponding account distribution mode according to merchant information corresponding to the order information, and determining account distribution information of a settlement account according to the account distribution mode specifically includes:
And forming an asynchronous process, and determining a corresponding account dividing mode according to merchant information corresponding to the order information and account dividing information of a settlement account according to the account dividing mode while transferring funds, which are the same as the order amount, of the payment account to a supervision account according to the order amount in the order information and the account information of the payment account so as to complete the transaction.
Preferably, the method further comprises a merchant registration process:
Receiving merchant registration information sent by a consumer market operator application system;
and determining each settlement account and each account dividing mode according to the merchant registration information.
The invention also discloses a billing system based on the bank merchant order receiving mode, which comprises:
the order information receiving module is used for receiving order information sent by the consumer market operator application system;
The transaction payment module is used for transferring funds with the same payment account as the order amount to the supervision account according to the order amount in the order information and the account information of the payment account so as to complete the transaction;
and the transaction account dividing module is used for determining a corresponding account dividing mode according to merchant information corresponding to the order information, determining account dividing information of the settlement accounts according to the account dividing mode, and transferring funds in the supervision accounts to each settlement account according to the account dividing information.
Preferably, the ledger pattern includes an instruction ledger pattern, a payment ledger pattern, and a parameter ledger pattern.
Preferably, when the account separation mode is an instruction account separation mode, the transaction account separation module is further configured to receive actual transaction information sent by the consumer market operator application system, where the actual transaction information includes an actual transaction amount, transaction order information and an account separation instruction; determining corresponding order information according to the transaction order information; and determining account dividing information of a settlement account according to the order information and the transaction order information.
Preferably, when the billing mode is a payment billing mode, the transaction billing module is further configured to determine billing information predetermined by the consumer market operator application system according to the order information.
Preferably, when the billing mode is a parameter billing mode, the transaction billing module is further configured to determine a preset billing parameter according to the order information; and determining the account dividing information of the settlement account according to the account dividing parameters and the order information.
Preferably, the transaction account dividing module is further configured to specifically form an asynchronous process, and determine a corresponding account dividing mode according to merchant information corresponding to the order information while transferring funds, which are the same as the order amount, of the payment account to the supervision account according to the order amount in the order information and the account information of the payment account to complete the transaction, and determine account dividing information of the settlement account according to the account dividing mode.
The invention also discloses a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor,
The processor, when executing the program, implements the method as described above.
The invention also discloses a computer readable medium, on which a computer program is stored,
The program, when executed by a processor, implements the method as described above.
The invention receives order information sent by an application system of a consumer market operator, after order amount and a payment account are determined according to the sent order information, deduction is carried out, prizes for paying the order amount in the payment account are transferred to a monitoring account to complete transactions, and prizes in the monitoring account are transferred to settlement accounts of each account according to account dividing information after account dividing information is determined. The order payment process and the account dividing process are separated, so that the order information can be processed independently and deducted, and the deducted funds are temporarily stored in the supervision account, so that the payment process of the user can be completed, and the transaction is completed. Meanwhile, the bank can determine a corresponding account distribution mode according to the order information, distribute funds in the supervision account according to the account distribution mode, and transfer the funds in the supervision account to each settlement account according to the account distribution information. The invention faces to tens of millions of order-receiving merchant services, and complex merchant funds clearing scenes, and can determine a billing mode according to merchant contracts and actual delivery conditions of order-receiving business, thereby realizing flexible billing. Therefore, the invention constructs a merchant fund management platform with safety, high efficiency, standard operation and public supervision, plays a plurality of advantages of safety settlement, flexible account separation, intelligent account checking, consumption guarantee and the like, and meets the integrated financial requirements of merchant order-receiving market customer groups.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of one embodiment of a method for billing based on a bank merchant acquirer mode of the present invention;
FIG. 2 is a flowchart of one embodiment S000 of the billing method based on the bank merchant acquirer mode of the present invention;
FIG. 3 is a flowchart of a specific embodiment S100 of the billing method based on the bank merchant acquirer mode of the present invention;
FIG. 4 is a flowchart of a method for billing based on a bank merchant acquirer mode according to one embodiment of the present invention for commanding a billing mode for billing;
FIG. 5 is a flowchart of a method for separating accounts based on a bank merchant order receiving mode according to one embodiment of the invention;
FIG. 6 is a block diagram illustrating one embodiment of a billing system based on a bank merchant acquirer mode of the present invention;
fig. 7 shows a schematic diagram of a computer device suitable for use in implementing embodiments of the invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Under the background that internet electronic commerce and mobile payment are increasingly widely applied, commercial tenant acquiring market trends are mutually integrated with online and offline business, and respective decentralized operations tend to be centralized in brand management. Through intensive investigation, the problems of various pain points and requirements of consumer market operators and merchants are discovered, and urgent needs are urgently solved. Such as unlicensed consumer market operators, bitter account separation, low manual settlement funds, etc. Merchants worry about the pain of money collection being stolen, difficult account checking and the like. The requirements of the merchant for acquiring the bill and dividing accounts in the market are urgent, and the scene of diversification is presented as to how the funds of the same payment transaction are reasonably distributed among different stakeholders. Scene one: the payee is not fixed. When the client goes up and down, the payee is uncertain. After the customer goes offline for consumption, the payee is determined. For example, online purchase of a ticket offline reuse scenario. Clients purchase cruise ship cover tickets on an online platform, which are common to multiple cruise companies. And in the second scenario, the fund settlement amount is not fixed. The consumer pays the order in advance, when the commodity is calculated to obtain the final price through processes such as weighing, packing, sending and the like, if the price of the prepaid order is larger than the final price, the final price is taken as the standard for billing, and the redundant part is returned to the consumer. Most of the existing account separation technologies limit account separation participants and account separation amounts during payment, cannot cope with changes of objective factors of markets, and cannot flexibly customize account separation services according to market demands. The embodiment of the invention provides a method and a system for separating accounts based on a bank merchant order receiving mode. The method faces to tens of millions of order-receiving merchant services and complex merchant funds clearing scenes, and can determine a billing mode according to merchant contracts and actual delivery conditions of order-receiving businesses, so that flexible billing is realized.
It should be noted that, in one or more embodiments of the present invention, the acquiring refers to the process that the cardholder spends in the bank signing merchant through the scenes of card swiping, gateway skip, APP skip, H5 page skip, code scanning, non-inductive payment, etc., and the bank deducts a certain proportion of the commission from the transaction amount and then settles the final amount to the merchant.
According to one aspect of the invention, the embodiment discloses a billing method based on a bank merchant order receiving mode. As shown in fig. 1, in this embodiment, the method includes:
S100: order information sent by the consumer market operator application system is received.
S200: and transferring funds of the payment account, which are the same as the order amount, to the supervision account according to the order amount in the order information and the account information of the payment account so as to complete the transaction.
S300: and determining a corresponding account dividing mode according to merchant information corresponding to the order information, determining account dividing information of the settlement accounts according to the account dividing mode, and transferring funds in the supervision accounts to each settlement account according to the account dividing information. The merchant information may include information such as a merchant number, a billing mode, and a settlement account. The account separation information may include each of the settlement accounts and funds after the account separation obtained by each of the settlement accounts separating funds related to the order in the administrative account according to the account separation mode.
The invention receives order information sent by an application system of a consumer market operator, after determining order amount and a payment account according to the sent order information, executes a deduction action, transfers funds for paying the order amount in the payment account to a monitoring account to complete transactions (the monitoring account is a temporary funds storage account, usually an account which is set up by a bank and does not belong to any account separating party), and transfers the funds after the account separating in the monitoring account to a settlement account of each account separating according to the account separating information after the account separating information is determined.
The order payment process and the account dividing process are separated, so that the order information can be processed independently and deducted, and the deducted funds are temporarily stored in the supervision account, so that the payment process of the user can be completed, and the transaction is completed. Meanwhile, the bank can determine a corresponding account distribution mode according to the order information, distribute funds in the supervision account according to the account distribution mode, and transfer the funds in the supervision account to each settlement account according to the account distribution information. The invention faces to tens of millions of order-receiving merchant services, and complex merchant funds clearing scenes, and can determine a billing mode according to merchant contracts and actual delivery conditions of order-receiving business, thereby realizing flexible billing. Therefore, the invention constructs a merchant fund management platform with safety, high efficiency, standard operation and public supervision, plays a plurality of advantages of safety settlement, flexible account separation, intelligent account checking, consumption guarantee and the like, and meets the integrated financial requirements of merchant order-receiving market customer groups.
In a preferred embodiment, as shown in fig. 2, the method further includes a merchant registration process S000:
S010: and receiving merchant registration information sent by the consumer market operator application system.
S020: and determining each settlement account and each account dividing mode according to the merchant registration information.
Specifically, in the preferred embodiment, the billing method further includes a pre-merchant registration process. Specifically, the consumer market operator and each merchant can submit merchant registration information related to the merchant according to the bank requirements, apply for registration to become a bank order-receiving merchant, and can automatically create a merchant number as a unique identifier of the merchant according to the merchant registration information. The merchant registration information may include information such as a merchant name, an address, merchant contract information, and the like, and the merchant contract information includes, but is not limited to, merchant settlement accounts, allowable ledger switches, ledger patterns, and the like. The merchant settlement account refers to a settlement account used by a merchant for collecting money, and is used as important information of a merchant contract and is bound with a merchant number. The consumer market operator application system can synchronize the merchant contract information to the account separating system in real time to update the merchant contract information, and the account separating system can acquire a merchant settlement account of the merchant according to the merchant number when the account separating system performs account separating processing. Furthermore, a billing permission switch can be set, and the business function of the bank for billing can be performed by using a billing method based on a bank merchant order-receiving mode only when a merchant with a billing permission authority is opened, namely, when the merchant registration information has a sign corresponding to the billing permission. In the embodiment of the invention, the consumer market operator is taken as a main body of transaction initiation, a request for allowing the accounting is submitted to the accounting system through an application system of the consumer market operator, so that the registration information of the merchant has a mark corresponding to 'allowing the accounting', or a bank merchant manager opens permission of allowing the accounting for the registered merchant, and the mark corresponding to 'allowing the accounting' is set.
In a preferred embodiment, as shown in fig. 3, the receiving, by S100, order information sent by the consumer market operator application system may specifically include:
S110: and carrying out admission verification on the application system of the consumer market operator according to the order information.
S120: and if the verification is successful, carrying out payment transaction registration on the order information.
Specifically, when order payment is performed, receiving order information sent by an application system of a consumer market operator as an order payment request, and performing admission verification on a transaction main merchant, for example, if the merchant is a registered merchant, indicating that verification is successful, performing payment transaction registration on the order information, and starting a process of performing account separation on an order with successful transaction after the successful transaction payment of the order information.
In a preferred embodiment, the determining, in S300, a corresponding account distribution mode according to merchant information corresponding to the order information, and determining account distribution information of a settlement account according to the account distribution mode may specifically include:
S310: and forming an asynchronous process, and determining a corresponding account dividing mode according to merchant information corresponding to the order information and account dividing information of a settlement account according to the account dividing mode while transferring funds, which are the same as the order amount, of the payment account to a supervision account according to the order amount in the order information and the account information of the payment account so as to complete the transaction.
Among other things, it is appreciated that consumer market operators provide an intermediary platform for consumer market operator application systems and facilitate transactions in which return benefits are desired to be drawn. Merchants provide commodity services, hope that funds can be directly paid out, and avoid the risk of funds being stolen by market parties. In order to guarantee the benefits of the account-dividing participants, a dual mechanism of transaction admission control and funds settlement control is established, and funds compliance and safety are guaranteed. However, the existing account separation technology has high coupling between order payment and merchant clearing logic, and flexible account separation cannot be realized. The invention receives the order information of the application system of the consumer market operator to pay deduction based on the amount of the order, and responds the order payment result to the application system of the consumer market operator. The whole real-time transaction process does not involve ledger clearing. In an asynchronous manner, the accounting is performed according to the order information after the transaction is successful or while the transaction is being performed. Therefore, the invention monitors funds through the supervision account on one hand, and decouples order payment from merchant clearing and account separating through forming an asynchronous process on the other hand, so that the efficiency of payment transaction and account separating can be improved while flexible account separating is realized.
In a preferred embodiment, the ledger schema includes an instruction ledger schema, a payment ledger schema, and a parameter ledger schema.
In a preferred embodiment, as shown in fig. 4, when the ledger pattern is an instruction ledger pattern, determining ledger information of a settlement account according to the ledger pattern specifically includes:
s311: and receiving actual transaction information sent by the consumer market operator application system, wherein the actual transaction information comprises actual transaction amount, transaction order information and a billing instruction.
S312: and determining corresponding order information according to the transaction order information.
S313: and determining account dividing information of a settlement account according to the order information and the transaction order information.
Wherein the order information may be historical order information related to the actual transaction information. In other words, under the situation that the payee is not fixed or the fund settlement amount is not fixed, deduction based on the order information can be firstly carried out in the historical order information, namely, the order amount of the historical order information is firstly transferred to the supervision account. After the actual transaction information is formed by online transaction, the transaction order information in the actual transaction information is correlated with the historical order information, and funds in the supervision account are separated. If the actual transaction amount in the actual transaction information is the same as the funds in the supervision account, executing the account dividing and clearing according to the account dividing instruction; if the actual transaction amount in the actual transaction information is smaller than the funds in the supervision account, the redundant funds are required to be separated (multi-back) to the settlement account of the merchant; if the actual transaction amount in the actual transaction information is smaller than the funds in the supervision account, the redundant funds are required to be separated (multi-back) to the settlement account of the merchant; if the actual transaction amount in the actual transaction information is larger than the funds in the supervision account, the funds corresponding to the difference between the actual transaction amount and the historical order amount are transferred from the payment account to the supervision account (less compensation), and then the account separation is executed according to the account separation instruction.
It will be appreciated that the instruction ledger model is applicable to the need for complex multi-variant ledgers that are subject to market customer factors, while consumer market operators self-built application systems have the ability to initiate and process transactions. For consumer market operators that meet this scenario, their billing mode may be set to "order billing mode" when merchant contract information is entered. And the consumer market operator application system is responsible for generating and sending a billing instruction, and the billing system performs billing based on the billing instruction and pushes a billing result.
The consumer market operator application system splits the order flow which is successfully paid by the consumer according to the real delivery condition of the commodity under line, searches the corresponding historical order information, associates the historical order information to form transaction order information, and generates a billing instruction. The ledger instructions should include, but are not limited to, these ledger data: the method comprises the steps of original payment order transaction date, original payment order serial number, merchant number participating in account separation, account separation amount and account separation settlement date. The number of the billing participants is consistent with the billing merchant number, and different billing settlement dates can be designated according to different billing participants. And the consumer market operator application system sends the account separating instruction to an account separating system for account separating processing. The billing system receives actual transaction information for the consumer market operator application system. And analyzing the account dividing instruction in the actual transaction information to obtain the order information of the original payment, and matching and checking the order information with the order information locally recorded by the account dividing system. Matching and checking: the payment order number of the order information and the actual transaction information are required to be consistent, and the payment order amount is consistent. Checking: and carrying out validity check on the account dividing merchant numbers in the account dividing instructions. The number of the participating billing merchant in one instruction of the verification rule must be the number of the billing merchant for which the system is registered to be effective. All account-dividing funds in the two instructions of the check rule should be accumulated to be equal to the administrative account. And for the verified instruction, performing account dividing and settlement according to the settlement time required by the instruction, and transferring funds of the contract account to be cleared of the order receiving service to the settlement account of the account dividing merchant.
For example, in one specific example, the floral market provides on-line sales, off-line weighing packaging, and logistics integration services to flower farmers. Relates to a plurality of participants of consumers, flower farmers, flower market companies and logistics companies. Consumers pay for orders on a platform provided in the floral market, for example, 100 yuan. The flower farmer acts as one party of the accounting and agrees with the accounting rules of the flower market, for example, 80% of each order is given to the flower farmer. Factors that vary from market to market: the cost and logistics cost of each fresh flower order after weighing and packaging are different and are variable. Therefore, according to the actual situation of packing and distribution of the fresh flowers off line, the packing cost and logistics cost are submitted and fed back to the background server of the flower market through the flower market app by the sponsor. And the background server finds out a corresponding order according to the received actual condition and divides and splits the order. For example, the original order income is 100 yuan, the order income is distributed to flower farmers 80 yuan, the packaging cost is 10 yuan, the logistics cost is 8 yuan, and the rest 2 yuan are distributed to flower market companies as profits.
In conclusion, the order management platform built by the flower market company accepts the order of the consumer, submits the payment order to the bank, completes the payment flow, and records the order number. The off-line sponsor receives the order and starts to arrange package and logistics, the corresponding cost is fed back to an order management platform (consumer market operator application system) of the flower market, the order management platform generates a billing instruction after feedback, the billing instruction is sent to a bank order-receiving billing system, the bank order-receiving billing system performs billing according to the billing instruction, and the billing funds are settled for each billing party of the order.
In a preferred embodiment, when the ledger pattern is a payment ledger pattern, determining ledger information of a settlement account according to the ledger pattern specifically includes:
s320: and determining account separating information reserved by the consumer market operator application system according to the order information.
In particular, it can be appreciated that the payment ledger model is applicable to simple ledger scenarios that are not affected by market objective factors, while consumer market operators' self-built application systems have the ability to initiate and process transactions. For consumer market operators that meet this scenario, their ledger pattern may be set to "payment ledger pattern" when merchant contract information is entered. The process flow of the account separating system of the payment account separating mode comprises account separating registering, order payment, account separating clearing and fund settlement.
In a preferred embodiment, as shown in fig. 5, when the ledger pattern is a parameter ledger pattern, determining ledger information of a settlement account according to the ledger pattern specifically includes:
s331: and determining preset account separating parameters according to the order information.
S332: and determining the account dividing information of the settlement account according to the account dividing parameters and the order information.
Specifically, it can be understood that the parameter billing mode is suitable for billing scenes that are not affected by objective factors of the market, but the consumer market operator has no self-built system and application, and needs to rely on a receipt payment tool provided by a bank to initiate a transaction and complete a subsequent fund billing process. For consumer market operators that meet this scenario, their billing mode may be set to "parametric billing mode" when merchant contract information is entered. The account separation parameter maintenance and synchronization is maintained by a bank merchant manager. Multiple ledger participants may be maintained, and ledger parameters that should be entered include: and the merchant numbers, the distribution proportion and other elements participating in the account separation.
In a preferred embodiment, the present invention also provides an intelligent reconciliation function. Specifically, the account separating system also provides related functions such as order detail account separating, account separating detail account separating and receipt separating, and the like, and provides intelligent unified and accurate fund account separating service for the bank account collecting merchant. The consumer market operator is taken as a main merchant and plays roles of order payment transaction initiation and account dividing instruction initiation, so that the consumer market operator needs to pay attention to whether a transaction order is successful or not and whether the account dividing instruction is successful or not. In order to facilitate order reconciliation by consumer market operators, the system provides payment order details reconciliation documents for the subject merchants. The merchant of the merchant order market is taken as a billing participant, and the result of billing is more concerned. Therefore, the system provides a feedback file of the account settlement details processing result and an account settlement merchant statement for facilitating account settlement of the account settlement merchant. And for the account separating instruction sent by the consumer market operator, the account separating system performs a fund settlement service, transfers funds of the contract account to be cleared of the order receiving service to a settlement account of an account separating merchant, and generates account separating and collecting certificates in the dimension of the account separating merchant.
In conclusion, the invention realizes the standardization of the account dividing service through the qualification audit and the transaction admission control of the operation main body of the merchant order-receiving consumer market, and constructs a merchant account dividing fund management platform with safety, high efficiency, standard operation and public supervision. Specifically, the invention is based on a bank order receiving mode, and the whole process realizes transfer in an account settlement system of a bank no matter a consumer pays funds or a merchant pays funds. On one hand, the problem that an operator in the consumer market cannot provide centralized operation management and automatic funds clearing service for numerous scattered merchants due to license plate is effectively solved. On the other hand, the bank directly settles funds to the settlement account of the account dividing merchant according to merchant contracts, so that the problems that a plurality of merchants worry about the use, delinquent and the like of the funds by the consumer market operators are solved. Through fund settlement control, fund supervision is realized. And the fund safety of the participating account-dividing merchants is fully ensured. In addition, the invention faces to the tens of millions of bill receiving merchant services, and the complex merchant funds clearing scene can determine the bill dividing mode according to merchant contracts and actual delivery conditions of bill receiving business, thereby realizing flexible bill dividing. Has the following advantages: 1. flexible multiparty accounting. And dynamically adjusting merchants which actually obtain the accounting income according to the real delivery condition of the off-line commodities. 2. The amount is dynamically separated. And calculating and determining the final price of the commodity according to the market objective factors, and taking the final price as a standard account. 3. The operation scene is fully covered. And the flexible switching of three account dividing modes is supported, and account dividing requirements of different operation scenes of different consumer market operators in the acquiring business market are comprehensively covered.
Based on the same principle, the embodiment also discloses a billing system based on the bank merchant order receiving mode. As shown in fig. 6, in the present embodiment, the system includes an order information receiving module 11, a transaction payment module 12, and a transaction accounting module 13.
The order information receiving module 11 is configured to receive order information sent by an application system of a consumer market operator.
The transaction payment module 12 is used for transferring funds of the payment account, which are the same as the order amount, to the supervision account according to the order amount in the order information and the account information of the payment account so as to complete the transaction.
The transaction billing module 13 is configured to determine a corresponding billing mode according to merchant information corresponding to the order information, determine billing information of a settlement account according to the billing mode, and transfer funds in a supervision account to each settlement account according to the billing information.
In a preferred embodiment, the ledger schema includes an instruction ledger schema, a payment ledger schema, and a parameter ledger schema.
In a preferred embodiment, when the billing mode is an instruction billing mode, the transaction billing module 13 is further configured to receive actual transaction information sent by the consumer market operator application system, where the actual transaction information includes an actual transaction amount, transaction order information, and a billing instruction; determining corresponding order information according to the transaction order information; and determining account dividing information of a settlement account according to the order information and the transaction order information.
In a preferred embodiment, when the ledger model is a payment ledger model, the transaction ledger module 13 is further configured to determine ledger information predetermined by the consumer market operator application system based on the order information.
In a preferred embodiment, when the billing mode is a parameter billing mode, the transaction billing module 13 is further configured to determine a preset billing parameter according to the order information; and determining the account dividing information of the settlement account according to the account dividing parameters and the order information.
In a preferred embodiment, the transaction billing module 13 is further configured to specifically form an asynchronous process, and determine a corresponding billing mode according to merchant information corresponding to the order information while transferring funds, which are the same as the order amount, of the payment account to the supervision account according to the order amount and the account information of the payment account in the order information to complete the transaction, and determine billing information of the settlement account according to the billing mode.
Since the principle of solving the problem of the system is similar to that of the above method, the implementation of the system can be referred to the implementation of the method, and will not be repeated here.
The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
In a typical example, the computer apparatus includes a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing a method performed by a client as described above when executing the program or implementing a method performed by a server as described above when executing the program.
Referring now to FIG. 7, there is illustrated a schematic diagram of a computer device 600 suitable for use in implementing embodiments of the present application.
As shown in fig. 7, the computer apparatus 600 includes a Central Processing Unit (CPU) 601, which can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM)) 603. In the RAM603, various programs and data required for the operation of the system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other through a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, mouse, etc.; an output portion 607 including a Cathode Ray Tube (CRT), a liquid crystal feedback device (LCD), and the like, and a speaker, and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The drive 610 is also connected to the I/O interface 605 as needed. Removable media 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on drive 610 as needed, so that a computer program read therefrom is mounted as needed as storage section 608.
In particular, according to embodiments of the present invention, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method shown in the flowchart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 609, and/or installed from the removable medium 611.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each element may be implemented in the same piece or pieces of software and/or hardware when implementing the present application.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.
The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and variations of the present application will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. which come within the spirit and principles of the application are to be included in the scope of the claims of the present application.
Claims (8)
1. The account separating method based on the bank merchant order receiving mode is characterized by comprising the following steps of:
receiving order information sent by a consumer market operator application system;
transferring funds of the payment account which are the same as the order amount to a supervision account according to the order amount in the order information and account information of the payment account so as to complete the transaction;
Determining a corresponding account dividing mode according to merchant information corresponding to the order information, determining account dividing information of a settlement account according to the account dividing mode, and transferring funds in a supervision account to each settlement account according to the account dividing information;
the account distribution mode comprises an instruction account distribution mode, a payment account distribution mode and a parameter account distribution mode;
when the account distribution mode is an instruction account distribution mode, determining account distribution information of a settlement account according to the account distribution mode specifically comprises:
receiving actual transaction information sent by an application system of a consumer market operator, wherein the actual transaction information comprises actual transaction amount, transaction order information and a billing instruction;
determining corresponding order information according to the transaction order information;
determining account dividing information of a settlement account according to the order information and the transaction order information;
when the account separating mode is a payment account separating mode, determining account separating information of a settlement account according to the account separating mode specifically comprises the following steps:
determining account dividing information preset by an application system of a consumer market operator according to the order information;
when the account distribution mode is a parameter account distribution mode, determining account distribution information of a settlement account according to the account distribution mode specifically comprises:
Determining preset account dividing parameters according to the order information;
and determining the account dividing information of the settlement account according to the account dividing parameters and the order information.
2. The method for billing based on the bank merchant acquirer mode according to claim 1, wherein the receiving order information sent by the consumer market operator application system specifically comprises:
performing admission verification on the consumer market operator application system according to the order information;
and if the verification is successful, carrying out payment transaction registration on the order information.
3. The method for billing according to claim 1, wherein determining a corresponding billing mode according to merchant information corresponding to the order information, and determining billing information of a settlement account according to the billing mode specifically comprises:
And forming an asynchronous process, and determining a corresponding account dividing mode according to merchant information corresponding to the order information and account dividing information of a settlement account according to the account dividing mode while transferring funds, which are the same as the order amount, of the payment account to a supervision account according to the order amount in the order information and the account information of the payment account so as to complete the transaction.
4. The method for billing based on bank merchant acquirement mode according to claim 1, further comprising a merchant registration process:
Receiving merchant registration information sent by a consumer market operator application system;
and determining each settlement account and each account dividing mode according to the merchant registration information.
5. The utility model provides a divide account system based on bank merchant receipts list mode which characterized in that includes:
the order information receiving module is used for receiving order information sent by the consumer market operator application system;
The transaction payment module is used for transferring funds with the same payment account as the order amount to the supervision account according to the order amount in the order information and the account information of the payment account so as to complete the transaction;
The transaction account dividing module is used for determining a corresponding account dividing mode according to merchant information corresponding to the order information, determining account dividing information of a settlement account according to the account dividing mode, and transferring funds in a supervision account to each settlement account according to the account dividing information;
the account distribution mode comprises an instruction account distribution mode, a payment account distribution mode and a parameter account distribution mode;
When the account separation mode is an instruction account separation mode, the transaction account separation module is further used for receiving actual transaction information sent by the consumer market operator application system, wherein the actual transaction information comprises actual transaction amount, transaction order information and account separation instructions; determining corresponding order information according to the transaction order information; determining account dividing information of a settlement account according to the order information and the transaction order information;
when the account separation mode is a payment account separation mode, the transaction account separation module is further used for determining account separation information preset by the consumer market operator application system according to the order information;
when the account separation mode is a parameter account separation mode, the transaction account separation module is further used for determining preset account separation parameters according to the order information; and determining the account dividing information of the settlement account according to the account dividing parameters and the order information.
6. The system according to claim 5, wherein the transaction billing module is further configured to form an asynchronous process, and determine a corresponding billing mode according to merchant information corresponding to the order information while transferring funds, which are the same as the order amount, from the order amount and account information of the payment account in the order information to the supervising account to complete the transaction, and determine billing information of the settlement account according to the billing mode.
7. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that,
The processor, when executing the program, implements the method of any one of claims 1-4.
8. A computer readable medium having a computer program stored thereon, characterized in that,
The program, when executed by a processor, implements the method of any of claims 1-4.
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| CN113763141B (en) * | 2021-02-10 | 2024-07-16 | 北京沃东天骏信息技术有限公司 | Settlement method and device, electronic equipment and storage medium |
| CN112967047B (en) * | 2021-03-02 | 2023-09-05 | 北京百度网讯科技有限公司 | Settlement method, device, apparatus, storage medium, and program product |
| CN114254877A (en) * | 2021-11-30 | 2022-03-29 | 中国建设银行股份有限公司 | Service quality tracking method, device, computer equipment and storage medium |
| CN114298703B (en) * | 2021-12-28 | 2023-03-31 | 商派软件有限公司 | Aggregated payment method and system |
| CN115545871A (en) * | 2022-11-25 | 2022-12-30 | 广东通莞科技股份有限公司 | Account separating and settling method and system |
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