CN112613869A - Merchant commission fee sharing method, device, system and storage medium - Google Patents
Merchant commission fee sharing method, device, system and storage medium Download PDFInfo
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Abstract
The invention discloses a method, a device, a system and a storage medium for sharing a merchant handling fee, wherein the method comprises the steps of calculating the payment amount of a consumer according to a preset service rate of a merchant party when a payment request is sent to the consumer, wherein the payment request carries the receivable amount of the merchant party; when the consumer confirms to pay the payment amount, calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the branch account amount; and taking the residual amount obtained by deducting the branch account amount and the handling fee from the real payment amount as the real payment amount of the merchant party. The method is characterized in that the method comprises the steps of collecting service fees generated by service rates from consumers to share the commission fees generated by commission rates of channel parties, so that the merchant party partially undertakes or does not undertake the commission rates, improving the conventional payment method of only undertaking the commission rates by the merchant party, and ensuring that the real payment amount of the merchant party is close to or equal to the receivable amount, thereby reducing property loss.
Description
Technical Field
The invention relates to the technical field of communication payment, in particular to a method, a device and a system for sharing a merchant commission charge and a storage medium.
Background
With the development of mobile payment services, more and more merchants begin to get rid of the traditional charging mode and change the charging mode into a more convenient and faster mobile payment charging mode, so that the convenient operation of collection and reconciliation is realized; however, the payment channel commission charge generated by mobile payment is usually borne by the merchant, and especially under the condition that the transaction amount of the merchant is large, the actual amount of money paid by the merchant is far lower than the amount of money to be paid, so that property loss is caused.
Accordingly, the prior art is yet to be developed and improved.
Disclosure of Invention
Therefore, in order to solve the above problems, a method, an apparatus, a system and a storage medium for sharing a merchant commission fee are provided, which are used to solve the technical problem that in the prior art, the merchant party completely bears the channel commission fee generated by mobile payment, which results in property loss of the merchant party.
In a first aspect, the present application provides a merchant commission apportioning method, the method comprising:
when a payment request is sent to a consumer, calculating the payment amount of the consumer according to a preset service rate of a merchant, wherein the payment request carries the receivable amount of the merchant;
when the consumer confirms to pay the payment amount, calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the branch account amount;
and taking the residual amount obtained by deducting the branch account amount and the handling fee from the real payment amount as the real payment amount of the merchant party.
Optionally, the method further includes:
if the residual amount is equal to the receivable amount, the commission charge of the channel party is paid by the consumer;
and if the residual amount is less than the receivable amount, the commission charge of the channel party is paid by the consumer party and the merchant party together.
Optionally, the preset service rate of the merchant side includes:
acquiring a commission charge rate of a channel party and a distribution proportion relation of commission charges of a merchant party and a consumer party;
calculating a first hand renewal rate of the channel party and the merchant party according to the distribution proportion relation;
and taking the first commission charge rate as a service rate of the merchant side.
Optionally, when a payment request is initiated to the consumer, the method calculates the amount of payment of the consumer according to a preset service rate of the merchant, where the payment request carries an amount receivable by the merchant, and includes:
when a payment request is sent to a consumer, acquiring a preset service rate of a merchant and an amount receivable by the merchant;
and taking the product of the service rate and the receivable amount and the sum of the receivable amount as the payment amount of the consumer.
Optionally, the calculating the commission of the channel party according to the commission rate of the channel party includes:
acquiring the amount of money to be paid by a merchant;
and taking the product of the amount to be charged and the commission charge rate as the commission charge of the channel party.
Optionally, the determining the credit amount includes:
acquiring the real payment amount of the consumer;
acquiring the calculated commission charge of the channel party;
acquiring the real sum of the merchant;
and taking the difference value obtained by subtracting the sum of the handling fee and the real payment amount from the real payment amount as a credit amount.
Optionally, the method further includes:
subtracting the commission charge rate of the channel party from the service rate of the merchant party to obtain a rate difference value;
multiplying the rate difference value by the amount of money to be paid by the merchant party to obtain the charge difference amount;
if the account amount is larger than the charge difference amount, the actual amount of money received by the merchant side is smaller than the amount of money to be received;
if the account amount is equal to the charge difference amount, the actual amount of money of the merchant side is equal to the amount of money to be charged
In a second aspect, the present application provides a merchant commission apportioning device, the device comprising:
the payment calculation module is used for calculating the payment amount of the consumer according to the preset service rate of the merchant party when a payment request is sent to the consumer, wherein the payment request carries the receivable amount of the merchant party;
the commission charge and branch account amount calculation module is used for calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the branch account amount after the consumer confirms to pay the payment amount;
and the receivable calculation module is used for taking the residual amount obtained by deducting the branch amount and the handling fee from the real payment amount as the real payment amount of the merchant party.
In a third aspect, an embodiment of the present application further provides a merchant commission fee apportionment system, which includes the merchant commission fee apportionment device.
In a fourth aspect, embodiments of the present application further provide a computer-readable storage medium storing a computer program, which when executed by a processor, causes the processor to perform the following steps:
when a payment request is sent to a consumer, calculating the payment amount of the consumer according to a preset service rate of a merchant, wherein the payment request carries the receivable amount of the merchant;
when the consumer confirms to pay the payment amount, calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the branch account amount;
and taking the residual amount obtained by deducting the branch account amount and the handling fee from the real payment amount as the real payment amount of the merchant party.
The embodiment of the invention has the following beneficial effects:
when a payment request is sent to a consumer, calculating the payment amount of the consumer according to a preset service rate of a merchant, wherein the payment request carries the receivable amount of the merchant; when the consumer confirms to pay the payment amount, calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the branch account amount; and taking the residual amount obtained by deducting the branch account amount and the handling fee from the real payment amount as the real payment amount of the merchant party. The method is characterized in that the method comprises the steps of collecting service fees generated by service rates from consumers to share the commission fees generated by commission rates of channel parties, so that the merchant party partially undertakes or does not undertake the commission rates, improving the conventional payment method of only undertaking the commission rates by the merchant party, and ensuring that the real payment amount of the merchant party is close to or equal to the receivable amount, thereby reducing property loss.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Wherein:
FIG. 1 is a schematic flow chart of a method for apportioning a commission charge to a merchant according to an embodiment of the present application;
FIG. 2 is a schematic view of an application scenario in the method for apportioning the commission fees of merchants according to the embodiment of the present application;
FIG. 3 is a schematic structural diagram of a merchant commission apportioning device according to an embodiment of the present application;
fig. 4 is a block diagram of a computer device according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Please refer to fig. 1, which is a schematic flow chart of a method for sharing commission fees of merchants according to an embodiment of the present application, the method includes:
in the embodiment of the application, the method is applied to a transaction system, and the transaction system is provided with a cloud POS machine. The transaction system may be a receipt and payment system such as a large bank. The transaction system is used for realizing a merchant commission charge sharing method among a merchant party, a consumer party and a channel party.
Specifically, the transaction system initiates a payment request to the consumer through the cloud POS machine, wherein the payment request carries the receivable amount of the merchant. Because each card swiping consumption generates a commission charge of a channel party, that is, the residual amount of the commission charge and other related expenses needs to be deducted from the real payment amount of the consumer party and then is settled to the merchant party, so that the real payment amount of the merchant party is often not equal to the receivable amount of the merchant party, and property loss of the merchant party is caused. Therefore, the merchant side makes a service rate agreed with the consumer side, so that the consumer side pays the service fee generated by the service rate in addition to the receivable amount, the difference between the real amount and the receivable amount of the merchant side is shortened by the service fee, the real amount of the merchant side is close to or equal to the receivable amount, and property loss of the merchant side is reduced.
The transaction system calculates the payment amount of the consumer according to the preset service rate of the merchant, wherein the service rate is agreed by the merchant and the consumer in advance, so that when an event occurs, if transaction information is generated, the corresponding service rate is settled. The method specifically includes the steps of calculating the amount of the real payment of the consumer, namely obtaining the amount of the receivable of the merchant in the payment request, multiplying the amount of the receivable by a service rate to obtain a service fee, adding the service fee and the amount of the receivable to obtain the payment amount, and using the payment amount as the amount of the real payment of the consumer.
In a feasible mode, the merchant and the consumer share the commission charge of the channel, so the commission charge sharing proportional relationship between the merchant and the consumer is agreed in advance, and the commission charge rate of the channel is fixed and can be directly obtained, so the first commission charge rate of the channel and the merchant and the second commission charge rate of the channel and the consumer can be calculated according to the commission charge sharing proportional relationship and the commission charge rate. Wherein, the first hand renewal rate of the merchant is used as the service rate of the merchant. That is, the service rate of the merchant can be automatically adjusted according to the apportionment ratio of the commission fees of the merchant and the consumer, so that the merchant and the consumer share the commission fees of the channel.
The first commission charge rate is calculated by multiplying the commission charge rate by the commission charge ratio of the commercial tenant. The second commission charge rate can be calculated by multiplying the commission charge rate by the commission charge ratio of the consumer side, or by subtracting the first commission charge rate of the merchant side from 1 to obtain the second commission charge rate.
For example:
assuming that the charge rate of the channel side is a% and the charge sharing ratio of the merchant side to the consumer side is 1:8, the first charge rate of the merchant side is a%/9, and the second charge rate of the consumer side is a%. 8/9.
In another possible way, in order to maximize the utilization of the merchant side and minimize the property loss, the agreed service rate is set to be larger than the commission rate of the channel side, that is, the commission rate generated by the channel side is fully charged by the consumer side, and the merchant side does not charge the commission rate of the channel side.
102, when the consumer confirms to pay the payment amount, calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the split amount;
in the embodiment of the application, after monitoring that the consumer confirms the payment amount, the transaction system calculates the commission of the channel party according to the commission rate of the channel party, specifically, obtains the amount receivable in the payment request, and multiplies the commission rate by the amount receivable to obtain the commission rate of the channel party.
The credit amount refers to the amount of money to be paid by the consumer and the amount of the commission fee of the channel-removing party. That is, when the amount of money paid by the consumer exceeds the amount of money due by the merchant, the excess is typically remitted to the separate account using a separate account function. In the embodiment of the application, a difference value obtained by subtracting the sum of the handling fee and the real payment amount from the real payment amount is used as a branch account amount to be transferred into a branch account by using a branch account tool. Specifically, determining the credit amount includes: acquiring the real payment amount of the consumer; acquiring the calculated commission charge of the channel party; acquiring the real sum of the merchant; and taking the difference value obtained by subtracting the sum of the handling fee and the real payment amount from the real payment amount as a credit amount.
And 103, taking the residual amount obtained by deducting the branch amount and the handling fee from the real payment amount as the real payment amount of the merchant party.
In the embodiment of the application, after detecting that a consumer completes a transaction, namely successfully pays the payment amount, the transaction system settles the corresponding amount according to the objects related to the transaction event, wherein the objects related to the transaction event comprise a merchant party, a channel method and a branch account. The actual payment amount of the merchant side is the residual amount obtained by deducting the branch payment amount and the handling fee from the actual payment amount, the actual payment amount of the channel side is the handling fee drawn from the actual payment amount, and the actual payment amount of the branch account is the residual amount obtained by deducting the handling fee and the receivable amount of the merchant side from the actual payment amount.
In one possible way, if the remaining amount is equal to the amount due, the commission fee of the channel side is paid by the consumer.
In another possible way, if the remaining amount is less than the receivable amount, the commission fee of the channel party is paid by the consumer party and the merchant party together.
In order to better understand the technical solution of the present application, a specific embodiment is described below, as shown in fig. 2:
setting a transaction scenario as follows:
the amount of money due to the merchant is X Yuan, the fee rate of the channel is Y%, the service rate of the merchant is Z%, and Z% is more than Y%. That is, the merchant side does not bear the commission of the channel side.
When the transaction system initiates a payment request to a consumer, service rates of a merchant are obtained, the amount of real payment of the consumer is calculated to be (1+ Z%). times.X, the (1+ Z%). times.X is presented to the consumer for payment, when the transaction system detects that the consumer confirms payment of (1+ Z%). times.X, the transaction payment is completed, at the moment, the transaction system receives the (1+ Z%). times.X, the transaction fee of a channel is firstly calculated to be X [% Y ], then X [% Y ] is transferred to the channel side from the (1+ Z%). times.X-X [% X, then an account is transferred from (1+ Z%). times.Y-X [% X ] to the branch account by using an account transfer tool to calculate the branch account amount N (1+ Z%). times.X-X [% Y-X ], and finally, the residual amount is used as the amount of real payment of the merchant, and (4) transferring to the merchant side.
If the amount X to be received by the merchant side is (1+ Z%). X-X.Y% -N, it indicates that the commission charge of the channel side is paid by the consumer side.
If the amount X > (1+ Z%). X-X.Y% -N receivable by the merchant side, it indicates that the commission charge of the channel side is paid by the consumer side and the merchant side together.
That is, the amount of money to be charged X ≧ (1+ Z%). times.X-X.times.Y% -N on the merchant side is converted to N ≧ (Z% -Y%). times.X. On the basis, subtracting the handling fee rate of the channel party from the service rate of the merchant party to obtain a rate difference value, and multiplying the rate difference value by the amount of charge due of the merchant party to obtain a charge difference amount; if the account amount is larger than the charge difference amount, the actual amount of money received by the merchant side is smaller than the amount of money to be received; and if the account amount is equal to the charge difference amount, the actual amount of money of the merchant side is equal to the amount of money to be charged.
In this way, based on steps 101 to 103, the commission fee generated by the commission fee rate of the channel party is allocated to the consumer party by charging the service fee generated by the service rate and the commission fee allocation proportional relationship between the consumer party and the merchant party, so that the merchant party partially or not undertakes the commission fee, and the conventional payment method of only undertaking the commission fee by the merchant party is improved, so that the real charge amount of the merchant party is close to or equal to the receivable amount, thereby reducing property loss.
Please refer to fig. 3, which is a schematic structural diagram of a merchant commission fee sharing device in an embodiment of the present application, the device includes:
the real payment calculating module 10 is configured to calculate a real payment amount of a consumer according to a preset service rate of a merchant when a payment request is initiated to the consumer, where the payment request carries an amount receivable by the merchant;
the commission charge and branch account amount calculation module 20 is used for calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the branch account amount after the payment of the real payment amount is confirmed by the consumer;
and the receivable calculation module 30 is configured to use the remaining amount obtained by deducting the separate amount from the real payment amount and the commission fee as the real payment amount of the merchant.
It should be noted that, the contents of the real payment calculating module 10, the commission charge and account amount calculating module 20, and the receivable calculating module 30 can refer to the contents described in fig. 1, and are not described herein again.
In the embodiment of the application, the service fee generated by the service rate is charged to the consumer to share the commission fee generated by the commission fee rate of the channel party, so that the part of the merchant party bears or does not bear the commission fee, and the payment method that the merchant party only bears the commission fee in the past is improved, so that the real amount of the merchant party is close to or equal to the receivable amount, and the property loss is reduced.
In an embodiment, a merchant commission fee apportioning system is provided, which includes a merchant commission fee apportioning device shown in fig. 3, and specifically refer to the content described in fig. 3, which is not described herein again.
FIG. 4 is a diagram illustrating an internal structure of a computer device in one embodiment. The computer device may specifically be a terminal, and may also be a server. As shown in fig. 4, the computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program that, when executed by the processor, causes the processor to implement the age identification method. The internal memory may also have a computer program stored therein, which when executed by the processor, causes the processor to perform the age identification method. Those skilled in the art will appreciate that the architecture shown in fig. 4 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is proposed, comprising a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to perform the steps of:
when a payment request is sent to a consumer, calculating the payment amount of the consumer according to a preset service rate of a merchant, wherein the payment request carries the receivable amount of the merchant; the amount paid is greater than the amount due;
when the consumer confirms to pay the payment amount, calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the branch account amount;
and taking the residual amount obtained by deducting the branch account amount and the handling fee from the real payment amount as the real payment amount of the merchant party.
In one embodiment, a computer-readable storage medium is proposed, in which a computer program is stored which, when executed by a processor, causes the processor to carry out the steps of:
when a payment request is sent to a consumer, calculating the payment amount of the consumer according to a preset service rate of a merchant, wherein the payment request carries the receivable amount of the merchant; the amount paid is greater than the amount due;
when the consumer confirms to pay the payment amount, calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the branch account amount;
and taking the residual amount obtained by deducting the branch account amount and the handling fee from the real payment amount as the real payment amount of the merchant party.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a non-volatile computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the program is executed. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A merchant commission apportioning method, the method comprising:
when a payment request is sent to a consumer, calculating the payment amount of the consumer according to a preset service rate of a merchant, wherein the payment request carries the receivable amount of the merchant; the amount paid is greater than the amount due;
when the consumer confirms to pay the payment amount, calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the branch account amount;
and taking the residual amount obtained by deducting the branch account amount and the handling fee from the real payment amount as the real payment amount of the merchant party.
2. The method of claim 1, further comprising:
if the residual amount is equal to the receivable amount, the commission charge of the channel party is paid by the consumer;
and if the residual amount is less than the receivable amount, the commission charge of the channel party is paid by the consumer party and the merchant party together.
3. The method of claim 1, wherein the preset merchant service rate comprises:
acquiring a commission charge rate of a channel party and a distribution proportion relation of commission charges of a merchant party and a consumer party;
calculating a first hand renewal rate of the channel party and the merchant party according to the distribution proportion relation;
and taking the first commission charge rate as a service rate of the merchant side.
4. The method as claimed in claim 1 or 3, wherein when initiating a payment request to the consumer, calculating a payment amount of the consumer according to a preset service rate of the merchant, wherein the payment request carries an amount receivable by the merchant, comprises:
when a payment request is sent to a consumer, acquiring a preset service rate of a merchant and an amount receivable by the merchant;
and taking the product of the service rate and the receivable amount and the sum of the receivable amount as the payment amount of the consumer.
5. The method of claim 1, wherein calculating the commission of the canal partner according to the commission rate of the canal partner comprises:
acquiring the amount of money to be paid by a merchant;
and taking the product of the amount to be charged and the commission charge rate as the commission charge of the channel party.
6. The method of claim 1, wherein the determining the credit amount comprises:
acquiring the real payment amount of the consumer;
acquiring the calculated commission charge of the channel party;
acquiring the real sum of the merchant;
and taking the difference value obtained by subtracting the sum of the handling fee and the real payment amount from the real payment amount as a credit amount.
7. The method of claim 1, further comprising:
subtracting the commission charge rate of the channel party from the service rate of the merchant party to obtain a rate difference value;
multiplying the rate difference value by the amount of money to be paid by the merchant party to obtain the charge difference amount;
if the account amount is larger than the charge difference amount, the actual amount of money received by the merchant side is smaller than the amount of money to be received;
and if the account amount is equal to the charge difference amount, the actual amount of money of the merchant side is equal to the amount of money to be charged.
8. A merchant commission apportioning device, wherein said device comprises:
the payment calculation module is used for calculating the payment amount of the consumer according to the preset service rate of the merchant party when a payment request is sent to the consumer, wherein the payment request carries the receivable amount of the merchant party;
the commission charge and branch account amount calculation module is used for calculating the commission charge of the channel party according to the commission charge rate of the channel party and determining the branch account amount after the consumer confirms to pay the payment amount;
and the receivable calculation module is used for taking the residual amount obtained by deducting the branch amount and the handling fee from the real payment amount as the real payment amount of the merchant party.
9. A computer-readable storage medium, storing a computer program which, when executed by a processor, causes the processor to carry out the steps of the method according to any one of claims 1 to 7.
10. A merchant commission apportioning system comprising the merchant commission apportioning device according to claim 8.
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| CN115829713A (en) * | 2022-12-09 | 2023-03-21 | 深圳优讯科技有限公司 | Multi-dimension-based commission fee data processing method and device and related medium |
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| CN108038684A (en) * | 2017-12-28 | 2018-05-15 | 泰康保险集团股份有限公司 | A kind of method of payment, device, medium and electronic equipment |
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| CN113313566A (en) * | 2021-05-24 | 2021-08-27 | 远光软件股份有限公司 | Internal settlement method, internal settlement device, storage medium and electronic equipment |
| CN115829713A (en) * | 2022-12-09 | 2023-03-21 | 深圳优讯科技有限公司 | Multi-dimension-based commission fee data processing method and device and related medium |
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