CN112488691B - Merchant settlement charging method and device and computer readable storage medium - Google Patents

Merchant settlement charging method and device and computer readable storage medium Download PDF

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CN112488691B
CN112488691B CN202011386424.8A CN202011386424A CN112488691B CN 112488691 B CN112488691 B CN 112488691B CN 202011386424 A CN202011386424 A CN 202011386424A CN 112488691 B CN112488691 B CN 112488691B
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charging
transaction
package
rule
merchant
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CN112488691A (en
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刘颖麒
徐哲
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Ibeacon Technology Co ltd
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Ibeacon 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing systems

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
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  • Computer Security & Cryptography (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The invention discloses a merchant settlement charging method, which comprises the following steps: receiving a transaction request, and matching a corresponding charging package rule according to the transaction request; acquiring a corresponding charging package tree according to the matched charging package rule, and calculating the cost of the transaction request according to the acquired charging package tree; outputting the parsed fee. The invention also discloses a device and a computer readable storage medium. The invention realizes centralized management of all the charge rules in the interior by constructing the charge package rule tree module and correspondingly acquiring package rule tree calculation charges through transaction data, thereby achieving the effects of uniform settlement and financial accounting of all merchant charges.

Description

Merchant settlement charging method and device and computer readable storage medium
Technical Field
The present invention relates to the field of AFC system deployment, and in particular, to a merchant settlement charging method, apparatus, and computer readable storage medium.
Background
In order to gain the share of the mobile payment market, various business lines of the company push various charging rules against merchant fees, and various activities and policies are pushed out in a faster and flexible manner. The package rule of the company has reached tens of thousands in a short year, and will grow rapidly in the future. The existing charging rules generally realize charging operation by manually assembling the charging rules by personnel on a system, but in the charging rules in the field of mobile payment, mobile or telecom has related package experience, but package types are simple and fixed and are not applicable, but the prior art does not develop a flexible charging package system, and the charging efficiency is greatly influenced by the charging operation of the prior art on the aspect of realizing the charging operation.
The foregoing is provided merely for the purpose of facilitating understanding of the technical solutions of the present invention and is not intended to represent an admission that the foregoing is prior art.
Disclosure of Invention
The invention mainly aims to provide a merchant settlement charging method, a merchant settlement charging device and a computer readable storage medium, and aims to solve the technical problems that in the prior art, the charging operation is generally realized by manually splicing the charging rules by personnel on a system, but in the charging rules in the mobile payment field, the currently applied package is simple and fixed in type, a flexible charging package system is not developed, and the charging efficiency is greatly influenced by the charging operation in the prior art in the process of realizing the charging operation.
In order to achieve the above object, the present invention provides a merchant settlement charging method, which includes the following contents:
receiving a transaction request, and matching a corresponding charging package rule according to the transaction request;
Acquiring a corresponding charging package tree according to the matched charging package rule, and calculating the cost of the transaction request according to the acquired charging package tree;
Outputting the parsed fee.
Optionally, the step of receiving a transaction request and matching a corresponding charging package rule according to the transaction request includes:
analyzing the transaction request, and confirming a merchant attribute level and transaction attributes of the transaction request according to an analysis result;
And matching the corresponding charging package rule according to the merchant attribute level and the transaction attribute.
Optionally, the step of matching the corresponding charging package rule according to the merchant attribute level and the transaction attribute includes:
Reading the merchant attribute level, and screening the merchant attribute level layer by layer according to a reading result to determine a corresponding agent type;
And matching the charging package rule corresponding to the transaction attribute in a charging package rule list registered in the proxy type.
Optionally, the step of obtaining the corresponding charging package tree according to the matched charging package rule includes:
Confirming a rule identifier of the charging package rule;
and acquiring a charging package tree corresponding to the rule identifier from a preset package rule base.
Optionally, the step of calculating the cost of the transaction request with the acquired billing package tree includes:
Extracting transaction data in the transaction request;
and recording the transaction data into the charging package tree, and analyzing the charging package tree by using an SDK to obtain the cost of the transaction request.
Optionally, after the step of receiving the transaction request and matching the corresponding charging package rule according to the transaction request, the method further includes:
When the corresponding charging package rule cannot be matched, confirming the transaction dimension of the transaction request;
and generating a corresponding charging package rule according to the transaction dimension.
Optionally, after the step of generating the corresponding charging package rule according to the transaction dimension, the method further includes:
extracting transaction parameters corresponding to the transaction dimension in a preset billing package json tree model according to the billing package rule;
And generating a charging package tree corresponding to the charging package rule according to the transaction parameters.
Optionally, the merchant settlement charging method further comprises:
Acquiring the current trade demands of a commercial tenant, and creating corresponding trade parameters according to the trade demands of the commercial tenant;
and generating a preset charging package JSON tree according to the newly-built transaction parameters, and forming a model structure of the preset charging package JSON tree through the parameter types of the transaction parameters.
In addition, in order to achieve the above object, the present invention also provides a merchant settlement charging device, including: the system comprises a memory and a processor, wherein the memory stores a computer program which can be called by the processor, and the computer program realizes the steps of the merchant settlement charging method when being executed by the processor.
The present invention also provides a computer-readable storage medium having stored thereon a merchant settlement billing program which when executed by a processor implements the steps of the merchant settlement billing method as described above.
The merchant settlement charging method provided by the embodiment of the invention receives a transaction request and matches a corresponding charging package rule according to the transaction request; acquiring a corresponding charging package tree according to the matched charging package rule, and calculating the cost of the transaction request according to the acquired charging package tree; outputting the parsed fee. The invention constructs a charging package rule tree module, and can correspondingly acquire package rule tree calculation cost through transaction data, thereby realizing centralized management of all internal cost charging rules by a unified merchant settlement charging platform and realizing the effects of unified settlement and financial accounting of all merchant cost.
Drawings
FIG. 1 is a schematic diagram of a terminal/device structure of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a flowchart of a first embodiment of a merchant settlement charging method according to the present invention;
FIG. 3 is a flowchart of a second embodiment of the merchant settlement charging method of the present invention;
fig. 4 is a flowchart of a third embodiment of the merchant settlement charging method according to the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
The main solutions of the embodiments of the present invention are: receiving a transaction request, and matching a corresponding charging package rule according to the transaction request; acquiring a corresponding charging package tree according to the matched charging package rule, and calculating the cost of the transaction request according to the acquired charging package tree; outputting the parsed fee.
The existing charging rules generally realize the charging operation by manually assembling the charging rules by personnel on the system, but the currently applied package is simple and fixed in the charging rules in the field of mobile payment, and a flexible charging package system is not developed, so that the technical problem of greatly influencing the charging efficiency by the charging operation of the prior art in the aspect of realizing the charging operation is solved.
The invention provides a solution, by constructing a billing package rule tree module, package rule tree calculation fees can be correspondingly obtained through transaction data, thereby realizing centralized management of all internal fee billing rules by a unified merchant settlement billing platform and realizing the effects of unified settlement and financial accounting of all merchant fees.
As shown in fig. 1, fig. 1 is a schematic diagram of a terminal structure of a hardware running environment according to an embodiment of the present invention.
The terminal of the embodiment of the invention can be movable or immovable terminal equipment such as a PC, a smart phone, a tablet personal computer, an electronic book reader, a portable computer and the like.
As shown in fig. 1, the terminal may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
It will be appreciated by those skilled in the art that the terminal structure shown in fig. 1 is not limiting of the terminal and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.
As shown in fig. 1, an operating system, a network communication module, a user interface module, and a merchant settlement billing program may be included in a memory 1005 as one type of computer storage medium.
In the terminal shown in fig. 1, the network interface 1004 is mainly used for connecting to a background server and performing data communication with the background server; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; and the processor 1001 may be configured to call a merchant settlement billing program stored in the memory 1005 and perform the following operations:
receiving a transaction request, and matching a corresponding charging package rule according to the transaction request;
Acquiring a corresponding charging package tree according to the matched charging package rule, and calculating the cost of the transaction request according to the acquired charging package tree;
Outputting the parsed fee.
Further, the processor 1001 may call the merchant settlement billing program stored in the memory 1005, and further perform the following operations:
analyzing the transaction request, and confirming a merchant attribute level and transaction attributes of the transaction request according to an analysis result;
And matching the corresponding charging package rule according to the merchant attribute level and the transaction attribute.
Further, the processor 1001 may call the merchant settlement billing program stored in the memory 1005, and further perform the following operations:
Reading the merchant attribute level, and screening the merchant attribute level layer by layer according to a reading result to determine a corresponding agent type;
And matching the charging package rule corresponding to the transaction attribute in a charging package rule list registered in the proxy type.
Further, the processor 1001 may call the merchant settlement billing program stored in the memory 1005, and further perform the following operations:
Confirming a rule identifier of the charging package rule;
and acquiring a charging package tree corresponding to the rule identifier from a preset package rule base.
Further, the processor 1001 may call the merchant settlement billing program stored in the memory 1005, and further perform the following operations:
Extracting transaction data in the transaction request;
and recording the transaction data into the charging package tree, and analyzing the charging package tree by using an SDK to obtain the cost of the transaction request.
Further, the processor 1001 may call the merchant settlement billing program stored in the memory 1005, and further perform the following operations:
When the corresponding charging package rule cannot be matched, confirming the transaction dimension of the transaction request;
and generating a corresponding charging package rule according to the transaction dimension.
Further, the processor 1001 may call the merchant settlement billing program stored in the memory 1005, and further perform the following operations:
extracting transaction parameters corresponding to the transaction dimension in a preset billing package json tree model according to the billing package rule;
And generating a charging package tree corresponding to the charging package rule according to the transaction parameters.
Further, the processor 1001 may call the merchant settlement billing program stored in the memory 1005, and further perform the following operations:
Acquiring the current trade demands of a commercial tenant, and creating corresponding trade parameters according to the trade demands of the commercial tenant;
and generating a preset charging package JSON tree according to the newly-built transaction parameters, and forming a model structure of the preset charging package JSON tree through the parameter types of the transaction parameters.
Referring to fig. 2, fig. 2 is a flowchart of a first embodiment of a merchant settlement charging method according to the present invention, where the merchant settlement charging method includes:
step S10, receiving a transaction request, and matching a corresponding charging package rule according to the transaction request;
Based on the current user transaction demand, a user initiates a transaction request to a transaction platform, wherein the content of the transaction request comprises charging information, a corresponding charging package rule is matched according to the received transaction request, the matching operation is operated in a preset charging package rule list, the charging package rule is defined as a calculation mode for calculating the cost of the transaction demand based on the transaction request, the charging package rule relates to a related range of five dimensions and comprises a cost range, an agent type, a bank type, a card type and transaction time, according to the calculation dimension of the charging package rule, the corresponding charging package rule is provided with a related fee deduction mode and fee deduction numerical value, so that the obtained corresponding fee calculation mode is different, namely, when the corresponding charging package rule is matched according to the transaction request, the matching is carried out by analyzing the content of the transaction request, namely, the step of receiving the transaction request and matching the corresponding charging package rule according to the transaction request comprises the steps of:
analyzing the transaction request, and confirming a merchant attribute level and transaction attributes of the transaction request according to an analysis result;
And matching the corresponding charging package rule according to the merchant attribute level and the transaction attribute.
After receiving a transaction request initiated by a user, analyzing the transaction request, and determining a merchant attribute level and a transaction attribute of the transaction request according to an analysis result, wherein the merchant attribute level comprises a merchant level to which the transaction request corresponds to the user, and the merchant level comprises but is not limited to a merchant, a merchant upper-layer agent, a total agent and the like, and generally does not exceed three layers, but does not exclude the case of abnormal levels, and the specific level is required to be related based on the number of the subordinate levels of the current agent; the transaction attribute is fee information based on the transaction request, including but not limited to transaction amount, transaction type, transaction time, transaction source, etc., so that the contents of the transaction request presented in field form can be as follows:
{
"order_id": "1111111111111",// user information-transaction order number
"Merchant _id": "123456789",// user information-merchant number
"Agent_id": "3607585",// user information-level 1 agent number
"Agent_class":30,// user information-agent type
"Fee_type":10001,// user info-transaction channel, swipe card or swipe code
"Merchant _level" 0,// user info-merchant level common or VIP
"Set_type": "T0",// charging rule information-T0/T1
"Bank" [ "icbc" ],// billing rule information-issuer [ "icbc" ]
"Trans_current": 1600,// billing rule information-transaction amount
"Trans_time": "2020-08-17:00:01"// billing rules information-transaction time
"Card_type":2,// charging rule information debit card or credit card
}
And according to the transaction information, matching the corresponding charging package rule according to the merchant attribute level and the transaction attribute obtained by analyzing the transaction information, wherein the charging package rule is a predefined charging content newly built based on the transaction request.
Further, when matching the corresponding charging package rule based on the resolved merchant hierarchy attribute and transaction attribute, screening the merchant hierarchy is involved, and layer-by-layer hierarchy matching is required according to the merchant attribute hierarchy, namely the step of matching the corresponding charging package rule according to the merchant attribute hierarchy and transaction attribute includes:
Reading the merchant attribute level, and screening the merchant attribute level layer by layer according to a reading result to determine a corresponding agent type;
And matching the charging package rule corresponding to the transaction attribute in a charging package rule list registered in the proxy type.
Reading each level information of the merchant attribute level according to the analyzed merchant attribute level, screening agent types layer by layer according to the level content of the merchant attribute level, and confirming a registered billing package rule of the agent type after screening the agent type to the highest level, namely after finishing the agent type of the agent, wherein the billing package rule registered under the agent type comprises one or more billing package rules determined by the analyzed transaction attribute in the registered billing package rule, the target billing package rule is the successfully matched billing package rule, and in the embodiment, the expression form of the billing package rule can be defined as a matching condition, the parameter attribute of the specific matching condition comprises the analyzed merchant attribute level and the transaction attribute, and the numerical value of the parameter attribute is corresponding limiting data.
Step S20, obtaining a corresponding charging package tree according to the matched charging package rule, and calculating the cost of the transaction request according to the obtained charging package tree;
After matching to the charging package rule corresponding to the current transaction request, acquiring a corresponding charging package tree according to the matched charging package rule, wherein the charging package rule is a screening matching condition, acquiring the corresponding charging package tree according to the charging package rule, wherein the charging package tree is a specific rate calculation formula/calculation step, is a calculation rule which is created in advance, and is stored in a preset charging package number storage area after being created; or the charging package tree is directly obtained in a preset charging package json tree model in a parameter form, so that the step of obtaining the corresponding charging package tree according to the matched charging package rule comprises the following steps:
Confirming a rule identifier of the charging package rule;
and acquiring a charging package tree corresponding to the rule identifier from a preset package rule base.
According to the determined charging package rule, when the corresponding charging package tree is obtained according to the charging package rule, the corresponding charging package tree can also be obtained according to the rule identification of the charging package rule, and the charging package tree is stored in a preset package rule base, so that the charging package tree corresponding to the rule identification is obtained in the preset package rule base. Further, according to the obtained charging package tree, the cost of the transaction request is calculated, in the case that the charging package tree is defined as a rate calculation formula/calculating step in practical application, the calculating of the result can be implemented by a numerical entry mode, that is, the step of calculating the cost of the transaction request with the obtained charging package tree includes:
Extracting transaction data in the transaction request;
and recording the transaction data into the charging package tree, and analyzing the charging package tree by using an SDK to obtain the cost of the transaction request.
Extracting transaction data in the transaction request, inputting the transaction data into the charging package tree, analyzing the charging package tree by using an SDK to obtain the cost of the transaction request, wherein in practical application, the expression form of the charging package tree may be an application program, and when the cost calculation of the transaction data is realized based on the application program, the cost of the transaction request can be obtained based on the form of analyzing the charging package tree by using a TCV model SDK.
And step S30, outputting the parsed expense.
And outputting the cost to a corresponding user according to the cost analyzed currently, wherein the user is the user initiating the transaction request, the output form of the user comprises but is not limited to display in a preset display area or terminal equipment and the like, and the specific output mode of the user is related to the initiating mode of the user initiating the transaction request.
In this embodiment, by constructing a billing package rule tree module, the package rule tree can be correspondingly obtained through the transaction data to calculate the fees, so that the unified merchant settlement billing platform can centrally manage all the internal fee billing rules, and then the effects of unified settlement and financial accounting of all merchant fees are achieved.
Referring to fig. 3, fig. 3 is a flowchart illustrating a second embodiment of the merchant settlement charging method according to the present invention, based on the first embodiment shown in fig. 2, after the step of receiving a transaction request and matching a corresponding charging package rule according to the transaction request, the method further includes:
Step S40, confirming the transaction dimension of the transaction request when the corresponding charging package rule cannot be matched;
And S50, generating a corresponding charging package rule according to the transaction dimension.
Step S60, extracting transaction parameters corresponding to the transaction dimension in a preset billing package json tree model according to the billing package rule;
step S70, generating a charging package tree corresponding to the charging package rule according to the transaction parameters.
In this embodiment, when the corresponding charging package rule is matched according to the received transaction request, the matching operation is limited to the charging package rule which is created currently, and when the related user information and the related cost information are too many, the corresponding charging package rule is generated based on the transaction request when the corresponding charging package rule cannot be matched. When generating a charging package rule corresponding to a UI according to the transaction request, the charging package rule is required to be generated through a transaction dimension of the transaction request, wherein the transaction dimension comprises a related range of five dimensions including a cost range, an agent type, a bank type, a card type and a transaction time, namely, data information based on the transaction dimension is extracted from the transaction request, the charging package rule is generated according to the data information and the content of the transaction dimension, and the generated charging package rule is stored in a preset charging package rule list. Further, according to the currently generated charging package rule, extracting corresponding transaction parameters from a preset charging package json tree model according to the transaction dimension of the charging package rule, generating a charging package tree of the charging package rule based on the transaction parameters, registering the charging package tree, and generating a connection relation between the charging package tree and the charging package rule.
Referring to fig. 4, fig. 4 is a flow chart of a third embodiment of the merchant settlement charging method according to the present invention, based on the first and second embodiments shown in fig. 2 and 3, the merchant settlement charging method further includes:
step S80, obtaining the current trade demands of merchants, and creating corresponding trade parameters according to the trade demands of the merchants;
Step S90, a preset billing package JSON tree is generated according to the newly-built transaction parameters, and a model structure of the preset billing package JSON tree is formed through the parameter types of the transaction parameters.
In this embodiment, a current applicable merchant transaction requirement is obtained according to current merchant information available for transaction, a corresponding transaction parameter is created according to the merchant transaction requirement, the transaction parameter is the requirement information based on the merchant transaction requirement, a corresponding transaction parameter is newly created according to the requirement information, a preset billing package json tree is generated according to the newly created transaction parameter, and the preset billing package json (JavaScript Object Notation, JS object profile is a lightweight data exchange format. In addition, the parameter content of the preset charging package JSON tree is related, the parameter type of the transaction parameter is confirmed, the corresponding transaction dimension is determined based on the parameter type, the model structure of the preset charging package JSON tree is generated by the transaction dimension, and the model structure is defined as a calculation formula/step capable of realizing the transaction request.
In addition, the embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores a merchant settlement and charging program, and the merchant settlement and charging program realizes the following operations when being executed by a processor:
receiving a transaction request, and matching a corresponding charging package rule according to the transaction request;
Acquiring a corresponding charging package tree according to the matched charging package rule, and calculating the cost of the transaction request according to the acquired charging package tree;
Outputting the parsed fee.
Further, the merchant settlement charging program when executed by the processor further realizes the following operations:
analyzing the transaction request, and confirming a merchant attribute level and transaction attributes of the transaction request according to an analysis result;
And matching the corresponding charging package rule according to the merchant attribute level and the transaction attribute.
Further, the merchant settlement charging program when executed by the processor further realizes the following operations:
Reading the merchant attribute level, and screening the merchant attribute level layer by layer according to a reading result to determine a corresponding agent type;
And matching the charging package rule corresponding to the transaction attribute in a charging package rule list registered in the proxy type.
Further, the merchant settlement charging program when executed by the processor further realizes the following operations:
Confirming a rule identifier of the charging package rule;
and acquiring a charging package tree corresponding to the rule identifier from a preset package rule base.
Further, the merchant settlement charging program when executed by the processor further realizes the following operations:
Extracting transaction data in the transaction request;
and recording the transaction data into the charging package tree, and analyzing the charging package tree by using an SDK to obtain the cost of the transaction request.
Further, the merchant settlement charging program when executed by the processor further realizes the following operations:
When the corresponding charging package rule cannot be matched, confirming the transaction dimension of the transaction request;
and generating a corresponding charging package rule according to the transaction dimension.
Further, the merchant settlement charging program when executed by the processor further realizes the following operations:
extracting transaction parameters corresponding to the transaction dimension in a preset billing package json tree model according to the billing package rule;
And generating a charging package tree corresponding to the charging package rule according to the transaction parameters.
Further, the merchant settlement charging program when executed by the processor further realizes the following operations:
Acquiring the current trade demands of a commercial tenant, and creating corresponding trade parameters according to the trade demands of the commercial tenant;
and generating a preset charging package JSON tree according to the newly-built transaction parameters, and forming a model structure of the preset charging package JSON tree through the parameter types of the transaction parameters.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system 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 system. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, medicament or system that includes such element.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as described above, comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.

Claims (6)

1. The merchant settlement charging method is characterized by comprising the following steps of:
receiving a transaction request, and matching a corresponding charging package rule according to the transaction request;
Acquiring a corresponding charging package tree according to the matched charging package rule, and calculating the cost of the transaction request according to the acquired charging package tree;
outputting the parsed fee;
the step of receiving a transaction request and matching a corresponding charging package rule according to the transaction request comprises the following steps:
analyzing the transaction request, and confirming a merchant attribute level and transaction attributes of the transaction request according to an analysis result;
Matching corresponding charging package rules according to the merchant attribute level and the transaction attribute;
After the step of receiving the transaction request and matching the corresponding charging package rule according to the transaction request, the method further comprises the following steps:
When the corresponding charging package rule cannot be matched, confirming the transaction dimension of the transaction request;
generating a corresponding charging package rule according to the transaction dimension;
After the step of generating the corresponding charging package rule according to the transaction dimension, the method further comprises:
extracting transaction parameters corresponding to the transaction dimension in a preset billing package json tree model according to the billing package rule;
generating a charging package tree corresponding to the charging package rule according to the transaction parameters
The merchant settlement charging method further comprises the following steps:
Acquiring the current trade demands of a commercial tenant, and creating corresponding trade parameters according to the trade demands of the commercial tenant;
And generating a preset billing package json tree according to the newly-built transaction parameters, and forming a model structure of the preset billing package json tree through the parameter types of the transaction parameters.
2. The merchant settlement charging method of claim 1, wherein the step of matching corresponding charging package rules according to the merchant attribute hierarchy and transaction attributes comprises:
Reading the merchant attribute level, and screening the merchant attribute level layer by layer according to a reading result to determine a corresponding agent type;
And matching the charging package rule corresponding to the transaction attribute in a charging package rule list registered in the proxy type.
3. The merchant settlement charging method as claimed in claim 1, wherein the step of obtaining the corresponding charging package tree according to the matched charging package rule comprises:
Confirming a rule identifier of the charging package rule;
and acquiring a charging package tree corresponding to the rule identifier from a preset package rule base.
4. The merchant settlement charging method as claimed in claim 1, wherein the step of calculating the cost of the transaction request with the acquired charging package tree comprises:
Extracting transaction data in the transaction request;
and recording the transaction data into the charging package tree, and analyzing the charging package tree by using an SDK to obtain the cost of the transaction request.
5. A merchant settlement charging device, characterized in that the merchant settlement charging device comprises: a memory, a processor and a merchant settlement charging program stored on the memory and executable on the processor, which when executed by the processor implements the steps of the merchant settlement charging method of any one of claims 1 to 4.
6. A computer readable storage medium, characterized in that the computer readable storage medium comprises a merchant settlement charging program stored on the computer readable storage medium, which when executed implements the steps of the merchant settlement charging method according to any one of claims 1 to 4.
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