CN112651728A

CN112651728A - Resource settlement processing method and device and payment processing method and device

Info

Publication number: CN112651728A
Application number: CN202011519217.5A
Authority: CN
Inventors: 郑跃; 陈文魁; 刘静; 陈方波
Original assignee: Zhejiang eCommerce Bank Co Ltd
Current assignee: Zhejiang eCommerce Bank Co Ltd
Priority date: 2020-12-21
Filing date: 2020-12-21
Publication date: 2021-04-13

Abstract

The embodiment of the specification provides a resource settlement processing method and device and a payment processing method and device, wherein the resource settlement processing method comprises the following steps: acquiring a service agreement signed after a user submits a settlement order of a target object; performing resource financing processing according to the financing amount opened to the user to obtain financing resources; performing resource settlement on a service party to which the target object belongs based on the financing resources and the resource account of the user; and if the user opens the object service of the target object based on the service agreement, performing resource settlement of the object service and financing return processing of the financing resources.

Description

Resource settlement processing method and device and payment processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a resource settlement processing method and apparatus, and a payment processing method and apparatus.

Background

With the continuous development and popularization of the internet, the mode of providing online services based on the internet is gradually applied to various service fields, more and more merchants provide online services for users in online platforms of various service fields, and users often face insufficient funds of current payment accounts of users to cause payment failure and influence user experience in the process of providing online services and performing service payment by using the merchants of the online platforms and generating payment orders in the payment process.

Disclosure of Invention

One or more embodiments of the present specification provide a resource settlement processing method. The resource settlement processing method comprises the following steps: and acquiring a service agreement signed after the user submits the settlement order of the target object. And carrying out resource financing treatment according to the financing amount opened to the user to obtain financing resources. And performing resource settlement on the service party to which the target object belongs based on the financing resources and the resource account of the user. And if the user opens the object service of the target object based on the service agreement, performing resource settlement of the object service and financing return processing of the financing resources.

One or more embodiments of the present specification provide a payment processing method, including: acquiring a data service offer signed after a user submits an equipment order of target equipment; and recording the data service package of the target device in the data service offer. And carrying out financing treatment according to the financing amount opened to the user to obtain financing funds. Performing payment processing of the equipment order based on the financing funds and the user's payment account. And if the user opens the data service package, carrying out the stage payment processing of the data service package and the stage return processing of the financing fund.

One or more embodiments of the present specification provide a resource settlement processing apparatus including: and the service agreement acquisition module is configured to acquire a service agreement signed after the user submits the settlement order of the target object. And the resource financing processing module is configured to perform resource financing processing according to the financing amount opened to the user to obtain financing resources. And the resource settlement module is configured to perform resource settlement to a service party to which the target object belongs on the basis of the financing resources and the resource account of the user. And the financing return processing module is configured to perform resource settlement of the object service and financing return processing of the financing resources if the user opens the object service of the target object based on the service agreement.

One or more embodiments of the present specification provide a payment processing apparatus, including: and the data service offer signing module is configured to acquire the data service offer signed after the user submits the equipment order of the target equipment. And recording the data service package of the target device in the data service offer. And the financing processing module is configured to perform financing processing according to the financing amount opened to the user to obtain financing funds. An order payment processing module configured to perform payment processing of the device order based on the financing funds and the user's payment account. And the installments payment processing module is configured to perform installments payment processing of the data service package and installments return processing of the financing fund if the user opens the data service package.

One or more embodiments of the present specification provide a resource settlement processing device including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring a service agreement signed after the user submits the settlement order of the target object. And carrying out resource financing treatment according to the financing amount opened to the user to obtain financing resources. And performing resource settlement on the service party to which the target object belongs based on the financing resources and the resource account of the user. And if the user opens the object service of the target object based on the service agreement, performing resource settlement of the object service and financing return processing of the financing resources.

One or more embodiments of the present specification provide a payment processing apparatus comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: acquiring a data service offer signed after a user submits an equipment order of target equipment; and recording the data service package of the target device in the data service offer. And carrying out financing treatment according to the financing amount opened to the user to obtain financing funds. Performing payment processing of the equipment order based on the financing funds and the user's payment account. And if the user opens the data service package, carrying out the stage payment processing of the data service package and the stage return processing of the financing fund.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and acquiring a service agreement signed after the user submits the settlement order of the target object. And carrying out resource financing treatment according to the financing amount opened to the user to obtain financing resources. And performing resource settlement on the service party to which the target object belongs based on the financing resources and the resource account of the user. And if the user opens the object service of the target object based on the service agreement, performing resource settlement of the object service and financing return processing of the financing resources.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed, implement the following: acquiring a data service offer signed after a user submits an equipment order of target equipment; and recording the data service package of the target device in the data service offer. And carrying out financing treatment according to the financing amount opened to the user to obtain financing funds. Performing payment processing of the equipment order based on the financing funds and the user's payment account. And if the user opens the data service package, carrying out the stage payment processing of the data service package and the stage return processing of the financing fund.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and that other drawings can be obtained by those skilled in the art without inventive exercise.

Fig. 1 is a process flow diagram of a resource settlement processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a resource settlement processing method applied to a commodity transaction scenario according to one or more embodiments of the present disclosure;

FIG. 3 is a process flow diagram of a payment processing method provided by one or more embodiments of the present description;

FIG. 4 is a schematic diagram of a resource settlement processing apparatus according to one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of a payment processing apparatus according to one or more embodiments of the present disclosure;

fig. 6 is a schematic structural diagram of a resource settlement processing apparatus according to one or more embodiments of the present disclosure;

fig. 7 is a schematic structural diagram of a payment processing apparatus according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

An embodiment of a resource settlement processing method provided in this specification:

referring to fig. 1, the resource settlement processing method provided in this embodiment includes steps S102 to S108.

Step S102, acquiring a service agreement signed after a user submits a settlement order of a target object.

In the resource settlement processing method provided by this embodiment, in the process of performing resource settlement of the target object, by signing a service agreement for opening an object service of the target object, resource financing is provided for the resource settlement process of the target object, so that the user can enjoy resource "preferential" in advance in the way of resource financing in the settlement process of the target object, thereby reducing resources settled by the user to the service provider in the resource settlement process of the target object, and after the resource settlement of the target object is completed, the opening condition of the object service of the target object, that is, the execution condition of the service agreement by the user, is detected, on the basis that the user opens the object service of the target object according to the service agreement, in the resource settlement process of the target service, the financing return processing is performed to the resource provider providing resource financing, and in the process that the subsequent user uses the object service of the target object, the method has the advantages that part of resources are deducted from settlement resources to carry out financing return, and from the perspective of users, the resource cost is saved for the users; from the perspective of a server side providing target objects and object services, the user service satisfaction degree of the server side is enhanced, and the method is more beneficial to the drainage and customer extension of the server side.

The target object includes a commodity provided by the service party to the user in a transaction scene, or a rental article provided by the service party to the user in a rental scene. After a user obtains a commodity through a transaction or obtains a rental article through rental, a service required in the process of using the commodity or the rental article is called an object service of the commodity or an object service of the rental article, such as a commodity service package provided for the commodity in the form of a package.

It should be noted that, in this embodiment, by making an agreement that the user needs to open the object service of the target object after performing the resource settlement of the target object, the agreement is the service agreement, and by signing the service agreement, the user can enjoy a certain degree of "preferential" settlement during the resource settlement of the target object, specifically, the "preferential" settlement refers to a certain financing resource provided by the resource provider to the user in a financing manner according to the signed service agreement, and the financing resource can offset the resource required by the user for performing the resource settlement of the target object; meanwhile, in the service agreement, it is also agreed that the user needs to open the object service of the target object, and in the resource settlement process of the object service, part of the resources paid by the user for the resource settlement of the object service are used for returning financing resources to the resource provider.

In this embodiment, at least one of the following service agreements is recorded: object information of the target object, installment information of the object service, financing amount and user information of the user; wherein the object service is selected by the user during submission of the settlement order. The trade order comprises at least one of: the service information of the service party of the target object, the installment information of the object service, the financing amount, the identification information of the target object and the identity voucher of the user are provided.

And step S104, performing resource financing processing according to the financing amount opened to the user to obtain financing resources.

In the specific implementation, in order to improve the acceptance degree of the three parties of the user, the service party and the resource provider to the service agreement, and in order to restrict the user to be able to execute the service agreement effectively after signing the service agreement, and reduce the resource loss to the resource provider due to the user not executing the service agreement, this embodiment provides an alternative implementation manner, performing resource financing processing according to the financing amount opened to the user to obtain financing resources, specifically, submitting a financing application to a resource provider according to the financing amount by taking a receivable resource voucher of the object service recorded in the service agreement as a guarantee, and under the condition that the financing application is passed, acquiring the financing resources transferred from the financing account of the resource provider, thereby realizing the resource financing from the resource provider to the service provider.

In addition, in the process of performing resource financing processing, resource financing processing can be performed according to the service reservation order of the object service determined based on the service agreement, specifically, the resource financing is applied to the resource provider by taking the service reservation order as guarantee, and financing resources transferred from the financing account of the resource provider to the service provider are obtained.

In this embodiment, the financing amount is determined according to credit data of the user, for example, the credit of the user is input into a financing calculation algorithm to calculate the financing amount of the user. In addition, the financing amount may also be determined according to the amount of the object target of the target object, where the amount of the object target includes the total number of resources required for resource settlement of the target object, or may be determined according to the amount of the object target of the target object and credit data of the user, for example, the amount of the object target of the target object is input into a financing calculation algorithm to calculate the financing amount of the user, or the amount of the object target of the target object and the credit data of the user are input into a financing calculation algorithm to calculate the financing amount of the user. Or, the financing amount can be determined according to the service period number, the single-period settlement amount and/or the settlement period of the service period number of the object service recorded in the service agreement. Or, the target amount of the target object, the service period number of the object service, the single-period settlement amount and/or the settlement period number of the service period number are input into the financing calculation algorithm for calculation.

And step S106, performing resource settlement to the service party to which the target object belongs based on the financing resources and the resource account of the user.

In an optional implementation manner provided by this embodiment, in the process of performing resource settlement to the service party based on the financing resource and the resource account of the user, a resource corresponding to an object settlement amount is deducted from the resource account of the user, the deducted resource and the financing resource are transferred to the resource account of the service party, the object settlement amount is equal to a difference between a total settlement resource amount of the target object and the financing amount, and resource settlement from the user to the service party is implemented, so that more "favorable" resource settlement is provided for the user in the resource settlement process of the target object, and resource cost of the user in the resource settlement process of the target object is reduced, so that a transaction or lease intention of the user to the target object is promoted, and further, passenger flow of the service party is promoted more favorably.

In a specific implementation, in order to improve the execution effectiveness and the detection accuracy of a user on a service agreement after signing the service agreement and further reduce the resource loss generated by a resource provider due to the fact that the user does not execute the service agreement, in a case that the target object is a terminal device, in an optional implementation manner provided in this embodiment, after performing resource settlement to the service party based on the financing resource and a resource account of the user, according to a device identifier of the terminal device recorded in the settlement order, detecting whether a terminal device opening the object service is a terminal device corresponding to the device identifier;

if so, indicating that the user opens the object service aiming at the terminal equipment, performing resource settlement of the object service and financing return processing of the financing resource;

if not, indicating that the user does not open the object service for the terminal equipment, deducting the resource corresponding to the financing amount from the resource account of the user, and transferring the deducted resource to the financing account of the resource provider providing the financing resource.

Step S108, if the user opens the object service of the target object based on the service agreement, the resource settlement of the object service and the financing return processing of the financing resource are carried out.

After the resource settlement is carried out on the service party, the user needs to open the object service of the target object according to the service protocol, and after the object service is opened, the financing resource return is carried out on the resource provider in the resource settlement process of the object service. However, various factors influence the user in the actual execution process, and the user may not necessarily open the object service of the target object on time under the influence, in this embodiment, if the user opens the object service of the target object based on the service agreement, the resource settlement of the object service and the financing return processing of the financing resources are performed; and if the user does not open the object service recorded in the service agreement, deducting the resource corresponding to the financing amount from the resource account of the user, and transferring the deducted resource to the financing account of a resource provider providing the financing resource.

In a specific implementation, in an optional implementation manner provided in this embodiment, in the process of performing resource settlement of the target service and financing return processing of the financing resources, the financing return resources for financing return processing are transferred from the resource account to the resource provider, and the service settlement resources for resource settlement of the target service are transferred from the resource account to the service provider.

In addition, in the process of performing the resource settlement of the target service and the financing return processing of the financing resource, the financing return processing may be performed to the resource provider by deducting the financing return resource from the service settlement resource for performing the resource settlement of the target service transferred from the resource account, and the remaining settlement resource in the service settlement resource may be transferred to the resource account of the service provider.

In this embodiment, after the resource provider provides the resource financing to the server, from the perspective of the server, not only is the customer acquisition rate of the server improved, but also the resource loss risk of the server is reduced; and from the perspective of the resource provider, financing value-added resources are obtained from the service, namely: the server financing resource financing interest paid to the resource provider based on the financing resource, optionally, the resource provider providing the financing resource by the server settles the financing value-added resource; the financing value-added resource is determined according to the financing algorithm recorded in the service agreement and the financing amount, so that the profit of the resource provider is improved, and the resource provider is helped to expand the service range and the service scale. Meanwhile, in the process of the financing return processing, the financing return resources returned to the resource provider are deducted from the service settlement resources for resource settlement of the object service, so that the financing return processing can be performed in the process of opening the object service and performing resource settlement by a user, and the efficiency and the success rate of the financing return processing are improved.

In practical applications, there may be a case that the object service of the target object provides corresponding services in a manner of one or more service period times, and correspondingly, in the process of performing resource settlement on the object service, corresponding resource settlement needs to be performed according to different service period times, for this reason, in an optional implementation manner provided in this embodiment, the following manner is specifically adopted to perform resource settlement of the object service and the financing return processing of the financing resources:

deducting installment settlement resources corresponding to the installment settlement amount from a resource account of the user aiming at the installment settlement amount of each service installment of the object service;

and performing financing returning processing based on the financing returning resources corresponding to the single-term financing returning amount in the term settlement resources according to the single-term financing returning amount recorded in the service agreement, and transferring the remaining settlement resources in the term settlement resources into a resource account of the service party.

On the basis that the object service includes a plurality of service periods, in addition to the two situations that the user opens the object service of the target object and the user does not open the object service of the target object, there may be a case that the user opens the object service, but during the use of the object service, the user does not use the specified service period according to the service agreement, for example, the service period of the commodity service that the user uses the target commodity is specified in the service agreement to be 10 periods, but the user does not use the rest service period according to the service agreement after using 1 period or more, for this reason, in order to further guarantee the resource right of the service party, and also in order to ensure that the financing resources provided by the resource provider can be returned in full amount, in an optional implementation manner provided by this embodiment:

judging whether the service period recorded in the service agreement completely completes period resource settlement and financing return processing;

if so, destroying the service agreement or updating the state of the service agreement to be a finished state, or sending a financing return completion prompt to the user and/or the server;

if not, after the settlement period of the unsettled service period is expired, calculating the remaining financing refund amount corresponding to the unsettled service period;

and deducting the resources corresponding to the residual financing return amount from the resource account of the user, and transferring the deducted resources to the financing account of the resource provider providing the financing resources.

The following further describes the resource settlement processing method provided in this embodiment by taking an application of the resource settlement processing method provided in this embodiment in a commodity transaction scenario as an example, referring to fig. 2, the resource settlement processing method applied in the commodity transaction scenario specifically includes steps S202 to S218.

Step S202, a commodity service agreement signed after the user submits the settlement order of the target commodity is obtained.

Step S204, the receivable resource voucher of the commodity service of the target commodity recorded in the commodity service agreement is taken as a guarantee, and a financing application is submitted to the resource provider according to the financing amount opened to the user.

In step S206, when the financing application is passed, the financing resources transferred from the financing account of the resource provider are acquired.

Step S208, deducting the resources corresponding to the commodity settlement amount from the resource account of the user, and transferring the deducted resources and the financing resources to the resource account of the service party.

And the commodity settlement amount is equal to the difference value between the total settlement resource amount of the target commodity and the financing amount.

Step S210, if the user opens the commodity service of the target commodity based on the commodity service agreement, and the single-term settlement amount of each service term of the commodity service is deducted from the resource account of the user, wherein the term settlement resource corresponds to the single-term settlement amount.

Step S212, according to the single-term financing return amount recorded in the commodity service agreement, financing return processing is carried out on the basis of the financing return resource corresponding to the single-term financing return amount in the term settlement resource, and the rest settlement resource in the term settlement resource is transferred to the resource account of the service party.

Step S214, judging whether all the service sessions recorded in the commodity service agreement complete session resource settlement and financing return processing;

if so, destroying the commodity service agreement or updating the state of the commodity service agreement into a finished state, or sending a financing return completion prompt to the user and/or the service party;

if not, step S216 and step S218 are executed.

Step S216, after the settlement period of the unsettled service period is expired, the remaining financing refund amount corresponding to the unsettled service period is calculated.

Step S218, deduct the resource corresponding to the remaining financing refund amount from the resource account of the user, and transfer the deducted resource to the financing account of the resource provider.

In summary, the resource settlement processing method provided in this embodiment provides resource financing for the resource settlement process of the target object based on signing the service agreement, and utilizes the financing resources obtained by financing and the resource account of the user to carry out resource settlement to the service party together, if the user opens the object service of the target object according to the service agreement after the resource settlement is finished, then in the subsequent process that the user uses the object service of the target object, part of the resources are deducted from the settlement resources for financing return, so that the user can enjoy resource 'preference' in advance in the settlement process of the target object in a resource financing mode, thereby reducing the resources settled by the user to the service party in the resource settlement process of the target object, meanwhile, the user service satisfaction of the service party is enhanced, and drainage and customer extension of the service party are facilitated.

An embodiment of a payment processing method provided in this specification:

referring to fig. 3, the payment processing method provided in this embodiment includes steps S302 to S308.

Step S302, the data service offer signed after the user submits the equipment order of the target equipment is obtained.

According to the payment processing method provided by the embodiment, the data service offer of the data service package of the target equipment is signed to provide partial fund financing for the payment of the target equipment, so that a user can enjoy a preferential benefit in advance in a financing mode in the settlement process of the target equipment, the payment fund of the user on the target equipment is reduced, the opening condition of the data service package of the target equipment is detected after the payment of the target equipment is completed, namely the execution condition of the user on the data service offer is detected, and on the basis that the user opens the data service package of the target equipment according to the data service offer, the payment processing is carried out on a payment mechanism in a separate payment process of the data service package, so that the payment cost is saved for the user from the perspective of the user; from the perspective of a merchant providing target equipment and a data service package, the user service satisfaction of the merchant is enhanced, and the method is more beneficial to guiding and developing customers of the merchant.

The target device of the embodiment includes a transaction device or a rental device; the data service package refers to a data service which needs to be opened by a user in a process of using a target device, and the data service is provided in a package form, for example, after the user purchases the smart television, a video member of the smart television is opened in a seasonal package or an annual package.

It should be noted that, in this embodiment, by making an agreement that the user needs to open the data service package of the target device after the payment of the target device is completed, and signing the data service offer, the user can enjoy a certain preferential payment in the payment of the target device, and the preferential payment is specifically a certain financing fund provided to the user in a financing manner in the user payment process, and the financing fund can be used in the user payment process for the target device; meanwhile, in the data service offer, it is also agreed that the user needs to open the data service package of the target device, and corresponding installments and financing return needs to be performed to the financing institution in the installments and payment process of the data service package.

In this embodiment, the data service offer records at least one of the following items: device information of the target device, installment information of the data service package, financing amount and user information of the user; wherein the data service package is selected by the user during submission of the equipment order. The equipment order comprises at least one of the following items: the system comprises merchant information of a merchant, date information of a data service package, financing amount, identification information of target equipment and an identity certificate of a user.

Step S304, financing is carried out according to the financing amount opened to the user, and financing funds are obtained.

In a specific implementation, in order to improve the approval degree of the data service offer by the user, the merchant, and the financing institution, and to restrict the user from being able to effectively execute the data service offer after signing the data service offer, and reduce the fund loss of the financing institution due to the fact that the user does not execute the data service offer, in an optional implementation manner provided in this embodiment, financing processing is performed according to the financing amount open to the user, so as to obtain financing funds, specifically, a bill due to the data service package recorded in the data service offer is taken as a guarantee, a financing application is submitted to the financing institution according to the data service package, and the financing funds transferred from a fund account of the financing institution are obtained in a case that the financing application is passed.

In addition, in the process of financing, financing can be carried out according to a service reservation order of the data service package determined based on the data service offer, specifically, financing is applied to the financing institution by taking the service reservation order as guarantee, and financing funds transferred from a fund account of the financing institution to the merchant are obtained.

In this embodiment, the financing amount is calculated by inputting the device amount of the target device and/or the credit data of the user into a financing calculation algorithm. In addition, the financing amount may also be determined according to the package installment, the installment service amount and/or the payment period of the package installment of the data service package recorded in the data service offer; or the payment amount of the target equipment, the package period of the data service package, the installment service amount and/or the payment period of the package period are input into the financing calculation algorithm for calculation.

Step S306, performing payment processing of the equipment order based on the financing fund and the payment account of the user.

In an optional implementation manner provided by this embodiment, in the process of performing payment processing on the device order based on the financing fund and the payment account of the user, an amount corresponding to a user payment amount is deducted from the payment account of the user, and the deducted amount and the financing fund are transferred to a merchant account of the merchant; the user payment amount is equal to the difference value between the total payment amount of the target equipment and the financing amount, payment from the user to a merchant for the target equipment is achieved, payment is preferential to the user in the payment process of the target equipment, the fund payment cost of the user is reduced, the transaction or lease intention of the user on the target equipment is improved, and the promotion of the passenger flow of the merchant is facilitated.

Step S308, if the user opens the data service package, carrying out the stage payment processing of the data service package and the stage return processing of the financing fund.

After the payment is carried out on the merchant, the user needs to open the data service package of the target equipment according to the data service offer, and after the data service package is opened, the staged return processing of the financing fund is carried out on the financing organization in the staged payment processing process of the data service package. However, various factors influence the user in the actual execution process, and the user may not necessarily open the data service package of the target device on time under the influence, in this embodiment, if the user wants to open the data service package of the target device based on the data service, the data service package is subjected to the installment payment processing and the installment returning processing of the financing fund; and if the user does not open the data service package recorded in the data service offer, deducting funds corresponding to the financing amount from the payment account and transferring the funds into a fund account of a financing institution.

In a specific implementation, in an optional implementation manner provided in this embodiment, in the course of performing the installment payment processing of the data service package and the installment returning processing of the financing fund, specifically, for the installment service amount of the data service package, the installment service fee corresponding to the installment service amount is deducted from the payment account; and performing financing return processing based on financing return funds corresponding to the staging return amount in the staging service fee according to the staging return amount recorded in the data service offer, and transferring the remaining funds in the staging service fee into a merchant account of the merchant.

On this basis, in order to further guarantee the rights and interests of the merchants and ensure that the financing funds provided by the financing institution can be returned in full, this embodiment provides an optional implementation manner: judging whether the data service package finishes the staging payment processing and the staging return processing;

if so, destroying the data service protocol or updating the data service protocol to a finished state;

if not, after the payment time limit of the non-settlement package time is expired, calculating the remaining financing return amount corresponding to the non-settlement package time;

and deducting the fund corresponding to the residual financing return amount from the payment account and transferring the fund into a fund return account of the financing institution.

In addition, in the process of performing the installment payment processing of the data service package and the installment returning processing of the financing fund, in order to improve the execution effectiveness and the detection accuracy of the data service offer after the user signs the data service offer and further reduce the fund loss caused by the financing organization due to the fact that the user does not execute the data service offer, in an optional implementation manner provided in this embodiment, it is detected whether the second device identifier of the device which opens the data service package is consistent with the device identifier according to the device identifier of the target device recorded in the device order;

if so, transferring the funds corresponding to the staged financing returning amount for staged returning processing from the payment account to a fund account of a financing institution, and transferring the staged settlement amount for staged payment processing from the payment account to a merchant account of the merchant;

and if not, deducting the fund corresponding to the financing amount from the payment account and transferring the fund into a fund account of a financing institution.

In this embodiment, after the financing organization provides financing for the merchant, from the perspective of the merchant, the customer acquisition rate of the merchant is improved, and the risk of financing loss of the merchant is reduced; and from the financing institution's perspective, financing interest is obtained from the merchant, optionally the merchant pays financing interest to the financing institution providing the financing funds; the financing interest is determined according to the financing algorithm recorded in the data service offer and the financing amount, so that the financing organization is helped to expand the service range and the service scale while the profit of the financing organization is improved. Meanwhile, in the process of the processing of returning the financing fund by stages, part of the financing fund is deducted from the fund of the data service package for payment by stages for the processing of returning the financing fund by stages, so that the user can be ensured to carry out the processing of returning the financing fund by stages in the process of opening the data service package and carrying out payment by stages, and the processing efficiency and the success rate of returning the financing fund are improved.

The following takes an application of the payment processing method provided in this embodiment to a transaction scenario of a mobile terminal as an example, and further describes the payment processing method provided in this embodiment, and the payment processing method applied to the transaction scenario of the mobile terminal specifically includes the following steps.

1) Acquiring a data flow contract signed after a user submits a transaction order of a mobile terminal; a data flow package of the mobile terminal is recorded in the data flow contract;

2) financing treatment is carried out according to the financing amount opened to the user, and financing funds are obtained;

specifically, the receivable bill of the data flow package recorded in the data flow contract is taken as a guarantee, a financing application is submitted to a financing institution according to the financing amount, and financing funds transferred from a fund account of the financing institution are obtained under the condition that the financing application is passed;

3) performing payment processing of the transaction order based on the financing funds and the payment account of the user;

deducting the amount corresponding to the payment amount of the user from the payment account of the user, and transferring the deducted amount and financing funds into a fund account of an operator; the payment amount of the user is equal to the difference value between the total payment amount and the financing amount of the mobile terminal;

4) and if the user opens the data flow package, carrying out the stage payment processing of the data flow package and the stage return processing of financing funds.

Specifically, aiming at the staging amount of the data flow package, the staging data flow fee corresponding to the staging amount is deducted from the payment account;

and performing financing return processing based on financing return funds corresponding to the installments return amount in the installments data flow fee according to the installments return amount recorded in the data flow contract, and transferring the residual funds in the installments data flow fee into a fund account of the operator.

An embodiment of a resource settlement processing apparatus provided in this specification is as follows:

in the above embodiment, a resource settlement processing method is provided, and correspondingly, a resource settlement processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 4, a schematic diagram of a resource settlement processing apparatus provided in this embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a resource settlement processing apparatus, including:

a service agreement acquisition module 402 configured to acquire a service agreement signed after a user submits a settlement order of a target object;

a resource financing processing module 404 configured to perform resource financing processing according to the financing amount opened to the user, so as to obtain financing resources;

a resource settlement module 406 configured to perform resource settlement to a service party to which the target object belongs based on the financing resource and the resource account of the user;

the financing return processing module 408 is configured to perform resource settlement of the object service and financing return processing of the financing resource if the user opens the object service of the target object based on the service agreement.

Optionally, the financing return processing module 408 includes:

a first return processing sub-module configured to transfer the financing return resource for financing return processing from the resource account to the resource provider, and transfer the service settlement resource for resource settlement of the target service from the resource account to the service provider;

and the second return processing submodule is configured to deduct financing return resources from the service settlement resources transferred from the resource account and used for performing resource settlement on the target service, perform financing return processing on the resource provider by deducting the financing return resources, and transfer the remaining settlement resources in the service settlement resources into the resource account of the service provider.

Optionally, if the user does not open the object service recorded in the service agreement, deducting the resource corresponding to the financing amount from the resource account of the user, and transferring the deducted resource to the financing account of the resource provider providing the financing resource.

Optionally, the financing return processing module 408 includes:

the installment settlement resource deduction sub-module is configured to deduct installment settlement resources corresponding to the single installment settlement amount from the resource account of the user aiming at the single installment settlement amount of each service installment of the object service;

and the financing returning processing submodule is configured to perform financing returning processing based on the financing returning resources corresponding to the single-term financing returning amount in the term settlement resources according to the single-term financing returning amount recorded in the service agreement, and transfer the remaining settlement resources in the term settlement resources into the resource account of the service party.

Optionally, the resource settlement processing apparatus further includes:

the service period judging module is configured to judge whether all the service periods recorded in the service agreement complete period resource settlement and financing return processing;

if not, operating a residual financing returning amount calculation module and a residual financing returning amount deduction module;

the residual financing refund amount calculation module is configured to calculate the residual financing refund amount corresponding to the unsettled service period after the settlement period of the unsettled service period expires;

and the residual financing return amount deduction module is configured to deduct resources corresponding to the residual financing return amount from the resource account of the user and transfer the deducted resources to the financing account of the resource provider providing the financing resources.

Optionally, the financing return processing returns the financing return resource to the resource provider, and deducts the financing return resource from the service settlement resource for resource settlement of the object service;

the resource provider which provides the financing resources by the service party settles the financing value-added resources; and the financing value-added resource is determined according to the financing algorithm recorded in the service agreement and the financing amount.

Optionally, the resource settlement processing apparatus further includes:

the equipment identifier detection module is configured to detect whether the terminal equipment which opens the object service is the terminal equipment corresponding to the equipment identifier according to the equipment identifier of the terminal equipment recorded in the settlement order;

if not, operating the resource transfer module; and the resource transferring module is configured to deduct the resource corresponding to the financing amount from the resource account of the user and transfer the deducted resource to the financing account of the resource provider providing the financing resource.

Optionally, the financing amount is determined as follows:

calculating and obtaining the amount of the target object and/or the credit data of the user by inputting the amount of the target object into a financing calculation algorithm;

or,

determining according to the service period, the single-period settlement amount and/or the settlement period of the service period of the object service recorded in the service agreement;

or,

the target amount of the target object, the service period of the object service, the single-period settlement amount and/or the settlement period of the service period are/is input into the financing calculation algorithm for calculation.

Optionally, the resource financing processing module 404 is specifically configured to submit a financing application to a resource provider according to the financing amount with the receivable resource voucher of the object service recorded in the service agreement as a guarantee, and acquire the financing resource transferred from the financing account of the resource provider when the financing application is passed.

Optionally, the resource settlement module 406 is specifically configured to deduct a resource corresponding to the object settlement amount from the resource account of the user, and transfer the deducted resource and the financing resource to the resource account of the service provider; wherein the object settlement amount is equal to a difference between a total settled resource amount of the target object and the financing amount.

Optionally, at least one of the following is recorded in the service agreement: object information of the target object, installment information of the object service, financing amount and user information of the user;

wherein the object service is selected by the user during submission of the settlement order.

Optionally, the trade order includes at least one of the following: the service information of the service party of the target object, the installment information of the object service, the financing amount, the identification information of the target object and the identity voucher of the user are provided.

An embodiment of a payment processing apparatus provided in this specification is as follows:

in the above embodiments, a payment processing method is provided, and a payment processing apparatus is provided, which is described below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of a payment processing apparatus provided in this embodiment is shown.

The present embodiment provides a payment processing apparatus, including:

a data service offer signing module 502 configured to obtain a data service offer signed after a user submits a device order of a target device; the data service offer records a data service package of the target device;

a financing processing module 504 configured to perform financing processing according to the financing amount opened to the user, and obtain financing funds;

an order payment processing module 506 configured to perform payment processing of the device order based on the financing funds and the payment account of the user;

an installment payment processing module 508 configured to perform installment payment processing of the data service package and installment return processing of the financing fund if the user opens the data service package.

Optionally, the installment payment processing module 508 includes:

the installment service fee deduction sub-module is configured to deduct installment service fees corresponding to the installment service amount from the payment account according to the installment service amount of the data service package;

and the financing return processing submodule is configured to perform financing return processing on the financing return funds corresponding to the staged return amount in the staged service fee according to the staged return amount recorded in the data service offer, and transfer the remaining funds in the staged service fee into a merchant account of the merchant.

Optionally, the payment processing apparatus further includes:

the staging processing and judging module is configured to judge whether the data service package finishes staging payment processing and staging return processing;

wherein the remaining financing return amount calculation module is configured to calculate the remaining financing return amount corresponding to an outstanding package installment after the payment period of the outstanding package installment expires;

and the residual financing return amount deduction module is configured to deduct funds corresponding to the residual financing return amount from the payment account and transfer the funds into a fund return account of a financing institution.

Optionally, the installment payment processing module 508 includes:

the equipment identifier detection submodule is configured to detect whether a second equipment identifier of the equipment which opens the data service package is consistent with the equipment identifier according to the equipment identifier of the target equipment recorded in the equipment order;

if yes, operating a staging processing submodule; the staging processing submodule is configured to transfer funds corresponding to the staged financing return amount subjected to staging return processing from the payment account to a fund account of a financing institution, and transfer the staged settlement amount subjected to staging payment processing from the payment account to a merchant account of the merchant;

if not, operating a financing amount deduction sub-module; and the financing amount deduction sub-module is configured to deduct funds corresponding to the financing amount from the payment account and transfer the funds to a fund account of a financing institution.

Optionally, if the user does not open the data service package, deducting the fund corresponding to the financing amount from the payment account and transferring the fund to a fund account of a financing institution.

Optionally, the merchant pays financing interest to a financing institution providing the financing funds; wherein the financing interest is determined according to a financing algorithm recorded in the data service offer and the financing amount.

Optionally, the financing amount is determined in the following manner:

calculating by inputting the device amount of the target device and/or the credit data of the user into a financing calculation algorithm;

or,

determining according to the package installment, the installment amount and/or the payment period of the package installment of the data service package recorded in the data service offer;

or,

and the payment amount is calculated and obtained by inputting the equipment amount of the target equipment, the package installment time of the data service package, the service amount in installments and/or the payment period of the package installment time into the financing calculation algorithm.

Optionally, the financing processing module 504 is specifically configured to submit a financing application to a financing institution according to the data service package with an account receivable of the data service package recorded in the data service offer as a guarantee, and acquire the financing fund transferred from a fund account of the financing institution when the financing application is passed.

Optionally, the order payment processing module 506 is specifically configured to deduct an amount corresponding to a user payment amount from the payment account of the user, and transfer the deducted amount and the financing fund to a merchant account of the merchant; wherein the user payment amount is equal to a difference between a total payment amount of the target device and the financing amount.

on the basis of the same technical concept, corresponding to the resource settlement processing method described above, one or more embodiments of the present specification further provide a resource settlement processing device, where the resource settlement processing device is configured to execute the resource settlement processing method provided above, and fig. 6 is a schematic structural diagram of the resource settlement processing device provided in one or more embodiments of the present specification.

The resource settlement processing device provided by the embodiment includes:

as shown in fig. 6, the resource settlement processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, where one or more stored applications or data may be stored in the memory 602. Wherein the memory 602 may be transient or persistent storage. The application program stored in memory 602 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a resource settlement processing device. Still further, processor 601 may be configured to communicate with memory 602 to execute a series of computer-executable instructions in memory 602 on a resource settlement processing device. The resource settlement processing apparatus may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input-output interfaces 605, one or more keyboards 606, and the like.

In one particular embodiment, a resource settlement processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the resource settlement processing apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

acquiring a service agreement signed after a user submits a settlement order of a target object;

performing resource financing processing according to the financing amount opened to the user to obtain financing resources;

performing resource settlement on a service party to which the target object belongs based on the financing resources and the resource account of the user;

and if the user opens the object service of the target object based on the service agreement, performing resource settlement of the object service and financing return processing of the financing resources.

Optionally, the performing resource settlement of the object service and financing return processing of the financing resource includes:

transferring financing return resources for financing return processing from the resource account to the resource provider, and transferring service settlement resources for resource settlement of the target service from the resource account to the service provider;

or,

deducting financing return resources from the service settlement resources transferred from the resource account and used for carrying out resource settlement on the object service, carrying out financing return processing on the resource provider, and transferring the rest settlement resources in the service settlement resources into the resource account of the service provider.

Optionally, the computer executable instructions, when executed, further comprise:

Optionally, the financing return processing returns the financing return resource to the resource provider, and deducts the financing return resource from the service settlement resource for resource settlement of the object service; the resource provider which provides the financing resources by the service party settles the financing value-added resources; and the financing value-added resource is determined according to the financing algorithm recorded in the service agreement and the financing amount.

The embodiment of a payment processing device provided by the specification is as follows:

corresponding to the above-described payment processing method, based on the same technical concept, one or more embodiments of the present specification further provide a payment processing apparatus for executing the above-described provided payment processing method, and fig. 7 is a schematic structural diagram of a payment processing apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a payment processing apparatus, including:

as shown in fig. 7, the payment processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 701 and a memory 702, where one or more stored applications or data may be stored in the memory 702. Memory 702 may be, among other things, transient storage or persistent storage. The application program stored in memory 702 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the payment processing apparatus. Still further, the processor 701 may be configured to communicate with the memory 702 to execute a series of computer-executable instructions in the memory 702 on the payment processing device. The payment processing apparatus may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input-output interfaces 705, one or more keyboards 706, and the like.

In one particular embodiment, a payment processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment processing apparatus, and configured for execution by the one or more processors the one or more programs include computer-executable instructions for:

acquiring a data service offer signed after a user submits an equipment order of target equipment; the data service offer records a data service package of the target device;

financing treatment is carried out according to the financing amount opened to the user, and financing funds are obtained;

performing payment processing of the equipment order based on the financing funds and the user's payment account;

and if the user opens the data service package, carrying out the stage payment processing of the data service package and the stage return processing of the financing fund.

Optionally, the performing of the installment payment processing of the data service package and the installment returning processing of the financing fund includes:

deducting the staging service fee corresponding to the staging service amount from the payment account aiming at the staging service amount of the data service package;

and performing financing return processing based on financing return funds corresponding to the staging return amount in the staging service fee according to the staging return amount recorded in the data service offer, and transferring the remaining funds in the staging service fee into a merchant account of the merchant.

judging whether the data service package finishes the staging payment processing and the staging return processing;

detecting whether a second equipment identifier of the equipment for opening the data service package is consistent with the equipment identifier according to the equipment identifier of the target equipment recorded in the equipment order;

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the resource settlement processing method described above.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

or,

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the resource settlement processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.

Another storage medium embodiment provided in this specification is as follows:

corresponding to the above-described payment processing method, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, 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.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description 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 description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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 apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable 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 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 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.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

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 computer storage media 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 that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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 an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description 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. One or more embodiments of the specification 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.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A resource settlement processing method includes:

2. The resource settlement processing method according to claim 1, wherein the performing of the resource settlement of the subject service and the financing return processing of the financing resource includes:

transferring financing return resources for financing return processing from the resource account to a resource provider, and transferring service settlement resources for resource settlement of the target service from the resource account to the service provider;

or,

3. The resource settlement processing method according to claim 1, wherein if the user does not open the object service recorded in the service agreement, resources corresponding to the financing amount are deducted from a resource account of the user, and the deducted resources are transferred to a financing account of a resource provider that provides the financing resources.

4. The resource settlement processing method according to claim 1, wherein the performing of the resource settlement of the subject service and the financing return processing of the financing resource includes:

5. The resource settlement processing method according to claim 4, further comprising:

6. The resource settlement processing method according to claim 1, wherein the financing return processing deducts financing return resources returned to the resource provider from service settlement resources for resource settlement of the subject service;

7. The resource settlement processing method according to claim 1, further comprising:

detecting whether the terminal equipment which opens the object service is the terminal equipment corresponding to the equipment identification or not according to the equipment identification of the terminal equipment recorded in the settlement order;

if not, deducting the resources corresponding to the financing amount from the resource account of the user, and transferring the deducted resources to the financing account of the resource provider providing the financing resources.

8. The resource settlement processing method according to claim 1, wherein the financing amount is determined as follows:

or,

9. The resource settlement processing method according to claim 1, wherein the resource financing processing is performed according to a financing amount opened to the user to obtain financing resources, and includes:

and taking the receivable resource voucher of the object service recorded in the service agreement as a guarantee, submitting a financing application to a resource provider according to the financing amount, and acquiring the financing resource transferred from a financing account of the resource provider under the condition that the financing application is passed.

10. The resource settlement processing method according to claim 1, wherein the performing of resource settlement to a service party to which the target object belongs based on the financing resource and the resource account of the user comprises:

deducting resources corresponding to the object settlement amount from the resource account of the user, and transferring the deducted resources and the financing resources to the resource account of the service party; wherein the object settlement amount is equal to a difference between a total settled resource amount of the target object and the financing amount.

11. The resource settlement processing method according to claim 1, wherein at least one of the following is recorded in the service agreement:

object information of the target object, installment information of the object service, financing amount and user information of the user;

12. The resource settlement processing method according to claim 1, wherein the trade order includes at least one of:

the service information of the service party of the target object, the installment information of the object service, the financing amount, the identification information of the target object and the identity voucher of the user are provided.

13. A payment processing method, comprising:

14. The payment processing method of claim 13, the performing an installment payment process for the data service package and an installment return process for the financed funds, comprising:

15. The payment processing method of claim 14, further comprising:

16. The payment processing method of claim 13, the performing an installment payment process for the data service package and an installment return process for the financed funds, comprising:

if so, transferring the funds corresponding to the staged financing returning amount for staged returning processing from the payment account to a fund account of a financing institution, and transferring the staged settlement amount for staged payment processing from the payment account to a merchant account of a merchant;

17. The payment processing method of claim 13, wherein if the user does not open the data service package, funds corresponding to the financing amount are deducted from the payment account and transferred to a fund account of a financing institution.

18. The payment processing method of claim 13, a merchant paying financing information to a financing institution providing the financing funds; wherein the financing interest is determined according to a financing algorithm recorded in the data service offer and the financing amount.

19. The payment processing method of claim 13, the financing amount determined as follows:

or,

20. The payment processing method of claim 13, the financing process for obtaining financed funds in accordance with the financing amount open to the user, comprising:

and taking the bill due to the data service package recorded in the data service offer as a guarantee, submitting a financing application to a financing institution according to the data service package, and acquiring the financing fund transferred from a fund account of the financing institution under the condition that the financing application is passed.

21. The payment processing method of claim 13, the processing of the payment for the equipment order based on the financing funds and the user's payment account comprising:

deducting the amount corresponding to the payment amount of the user from the payment account of the user, and transferring the deducted amount and the financing funds into a merchant account of a merchant; wherein the user payment amount is equal to a difference between a total payment amount of the target device and the financing amount.

22. A resource settlement processing apparatus comprising:

the service agreement acquisition module is configured to acquire a service agreement signed after a user submits a settlement order of the target object;

the resource financing processing module is configured to perform resource financing processing according to the financing amount opened to the user to obtain financing resources;

the resource settlement module is configured to perform resource settlement to a service party to which the target object belongs on the basis of the financing resources and the resource account of the user;

and the financing return processing module is configured to perform resource settlement of the object service and financing return processing of the financing resources if the user opens the object service of the target object based on the service agreement.

23. A payment processing apparatus comprising:

the data service offer signing module is configured to acquire a data service offer signed after a user submits an equipment order of a target equipment; the data service offer records a data service package of the target device;

the financing processing module is configured to perform financing processing according to the financing amount opened to the user to obtain financing funds;

an order payment processing module configured to perform payment processing of the device order based on the financing funds and the payment account of the user;

and the installments payment processing module is configured to perform installments payment processing of the data service package and installments return processing of the financing fund if the user opens the data service package.

24. A resource settlement processing device comprising:

a processor; and the number of the first and second groups,

a memory configured to store computer-executable instructions that, when executed, cause the processor to:

25. A payment processing apparatus comprising:

a processor; and the number of the first and second groups,

26. A storage medium storing computer-executable instructions that when executed implement the following:

27. A storage medium storing computer-executable instructions that when executed implement the following: