CN113469672A - Online payment and account distribution method and device, server and storage medium - Google Patents
Online payment and account distribution method and device, server and storage medium Download PDFInfo
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
Abstract
The application provides an online payment and account distribution method, device, server and storage medium, and relates to the technical field of transaction payment. The method comprises the following steps: the method comprises the steps of obtaining a paid order sent by an e-commerce platform based on user payment operation, performing split accounting on the paid order according to a preset distribution proportion, dividing the paid order into split accounting records, sending the split accounting records to an account opening platform, enabling the account opening platform to split funds of the paid order into an e-commerce platform account and a seller sub-account according to the split accounting records, and updating the state of the split accounting records to be settled, wherein the e-commerce platform account is an account of the e-commerce platform on the account opening platform, and the seller sub-account is a virtual sub-account created by a seller on the account opening platform through an e-commerce platform. By the method and the device, capital risks can be avoided, and capital safety is guaranteed.
Description
Technical Field
The invention relates to the technical field of internet, in particular to an online payment and account-separating method, device, server and storage medium.
Background
With the rapid development of the internet technology, the application of the e-commerce platform is more and more extensive, and after a consumer purchases the e-commerce platform, the fund paid through the payment platform can be directly settled to the bank account of the e-commerce platform.
And after the fund enters the bank account of the E-commerce platform, the E-commerce platform settles the fund in the bank account to the seller to complete the second settlement.
However, for the e-commerce platform without the payment license plate, because the bank account of the e-commerce platform is not regulated, the fund transaction amount is large, the fund pool risk is easy to form, and the use of the e-commerce platform by the user has hidden danger.
Disclosure of Invention
The present invention aims to provide an online payment and billing method, an online payment and billing device, a server, and a storage medium, so as to avoid the risk of funds and ensure the safety of the funds.
In order to achieve the above purpose, the technical solutions adopted in the embodiments of the present application are as follows:
in a first aspect, an embodiment of the present application provides an online payment ledger method, which is applied to a ledger management platform, and includes:
acquiring a paid order sent by an e-commerce platform based on user payment operation;
performing account division on the paid order according to a preset distribution proportion to obtain an account division record; the preset distribution proportion comprises the distribution proportion agreed by the e-commerce platform and the seller, and the state of the distribution record is to-be-distributed;
sending the accounting record to an account opening platform, so that the account opening platform accounts the funds of the paid order to an e-commerce platform account and a seller sub-account according to the accounting record, and updating the state of the accounting record to be settled; the electronic commerce platform account is an account of the electronic commerce platform on the opening platform, and the family selling sub-account is a virtual sub-account created by the ledger management platform on the opening platform for the seller.
Optionally, the method further includes:
and if the buyer confirms the delivery operation to confirm that the paid order completes the transaction in response to the delivery confirmation sent by the e-commerce platform, updating the state of the branch accounting record to be the settlement completion, and sending the updated branch accounting record to the opening platform, so that the opening platform transfers funds in the sub-account of the seller to a main account of the seller, wherein the main account of the seller is a virtual main account number which is created by the branch accounting management platform for the seller on the opening platform and used for cash withdrawal.
Optionally, after the payment order of the e-commerce platform is obtained, the method further includes:
responding to a payment refunding process initiated by a buyer sent by the e-commerce platform, and refunding an account corresponding to the buyer through a spare fund in a third party transaction platform by the e-commerce platform; the third party transaction platform is a platform for providing a payment path to the buyer.
In a second aspect, an embodiment of the present application further provides an online payment and billing method, which is applied to an account opening platform, and includes:
receiving a ledger record sent by a ledger management platform; the account splitting record is a fund distribution record obtained by the account splitting management platform splitting a paid order according to a preset distribution proportion, and the account splitting record comprises current state information;
according to the billing record, the funds of the paid order are billed to an e-commerce platform account and a seller sub-account; the electronic commerce platform account is an account of the electronic commerce platform on the opening platform, and the family selling sub-account is a virtual sub-account created by the ledger management platform on the opening platform for the seller.
Optionally, the method further includes:
receiving a buyer confirmation message sent by the ledger management platform;
and if the payment order is confirmed to complete the transaction according to the buyer confirmation message, transferring the funds in the sub-account of the seller to a main account of the seller, wherein the main account of the seller is a virtual main account number which is created by the ledger management platform for the seller on the account opening platform and used for cash withdrawal.
Optionally, the method further includes:
and if a refund message is sent by the buyer in response to the ledger management platform, transferring the funds in the sub-account of the seller into the account of the electronic commerce platform.
In a third aspect, an embodiment of the present application further provides an online payment ledger apparatus, which is applied to a ledger management platform, and includes:
the order acquisition module is used for acquiring a paid order sent by the e-commerce platform based on the user payment operation;
the account splitting record generation module is used for splitting the paid order according to a preset distribution proportion to obtain an account splitting record; the state of the account distribution record is to-be-distributed, and the preset distribution proportion comprises a distribution proportion agreed by the e-commerce platform and the seller;
the account splitting record sending module is used for sending the account splitting record to an account opening platform, so that the account opening platform divides funds of the paid order into an e-commerce platform account and a seller sub-account according to the account splitting record, and updates the state of the account splitting record to be settled; the electronic commerce platform account is an account of the electronic commerce platform on the opening platform, and the family selling sub-account is a virtual sub-account created by the ledger management platform on the opening platform for the seller.
Optionally, the apparatus further comprises:
and the branch accounting record updating operation is used for updating the state of the branch accounting record to be the settlement completion and sending the updated branch accounting record to the account opening platform if the buyer confirms the delivery operation sent by the e-commerce platform to confirm that the paid order completes the transaction, so that the account opening platform transfers the funds in the sub-account of the seller to the main account of the seller, wherein the main account of the seller is the virtual main account number which is created by the account opening platform for the seller on the account opening platform and used for presentation.
Optionally, after the order obtaining module, the apparatus further includes:
the refund module is used for responding to a buyer sent by the e-commerce platform to initiate a refund process and refunding an account corresponding to the buyer through a spare fund in a third party transaction platform by the e-commerce platform; the third party transaction platform is a platform for providing a payment path to the buyer.
In a fourth aspect, an embodiment of the present application further provides an online payment and accounting apparatus, which is applied to an account opening platform, and includes:
the account splitting record receiving module is used for receiving the account splitting record sent by the account splitting management platform; the account splitting record is a fund distribution record obtained by the account splitting management platform splitting a paid order according to a preset distribution proportion, and the account splitting record comprises current state information;
the accounting module is used for accounting the funds of the paid orders to an e-commerce platform account and a seller sub-account according to the accounting records; the electronic commerce platform account is an account of the electronic commerce platform on the opening platform, and the family selling sub-account is a virtual sub-account created by the ledger management platform on the opening platform for the seller.
Optionally, the apparatus further comprises:
the confirmation message receiving module is used for receiving buyer confirmation messages sent by the ledger management platform;
and a cash-out fund transfer module, configured to transfer funds in the sub-account of the seller to a primary account of the seller if the payment order is confirmed to complete the transaction according to the buyer confirmation message, where the primary account of the seller is a virtual primary account number created by the ledger administration platform for the seller on the account opening platform for cash-out.
Optionally, the apparatus further comprises:
and the refund fund transfer module is used for transferring the fund in the sub-account of the seller into the account of the electronic commerce platform if responding to a refund message sent by the buyer sent by the ledger management platform.
In a fifth aspect, an embodiment of the present application further provides a server, including: a processor, a storage medium and a bus, wherein the storage medium stores program instructions executable by the processor, when the server runs, the processor and the storage medium communicate through the bus, and the processor executes the program instructions to execute the steps of the online payment billing method according to any one of the above embodiments.
In a sixth aspect, the present application further provides a computer-readable storage medium, where the storage medium stores a computer program, and the computer program is executed by a processor to perform the steps of the online payment billing method according to any of the foregoing embodiments.
The beneficial effect of this application is:
the application provides an online payment and account splitting method, an online payment and account splitting device, a server and a storage medium, wherein an account splitting management platform obtains a paid order sent by an e-commerce platform based on user payment operation, splits the paid order according to a preset distribution proportion, splits the paid order into account splitting records, and sends the account splitting records to an account opening platform, so that the account opening platform splits funds of the paid order into an e-commerce platform account and a seller sub-account according to the account splitting records, and updates the state of the account splitting records into a to-be-settled account, wherein the e-commerce platform account is an account of the e-commerce platform on the account opening platform, and the seller sub-account is a virtual sub-account created by a seller on the account opening platform through the account splitting management platform. According to the scheme provided by the application, the payment fund of the buyer is directly distributed to the e-commerce platform account and the seller sub-account according to the preset distribution proportion, so that the fund in the seller sub-account is not dominated by the e-commerce platform, the fund safety is practically guaranteed, the fund risk pool is prevented from being formed, and the safety of the platform and the user is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
Fig. 1 is a schematic diagram of an interactive system according to an embodiment of the present application;
fig. 2 is a schematic flowchart of a first online payment billing method according to an embodiment of the present application;
fig. 3 is a schematic flowchart of a second online payment billing method according to an embodiment of the present application;
fig. 4 is a schematic flowchart of a third online payment billing method according to an embodiment of the present application;
fig. 5 is an interaction diagram of an online payment billing method according to an embodiment of the present application;
fig. 6 is a schematic structural diagram of a first online payment accounting device according to an embodiment of the present application;
fig. 7 is a schematic structural diagram of a second online payment accounting device according to an embodiment of the present application;
fig. 8 is a schematic diagram of a server according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, 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 some, but not all, embodiments of the present invention.
Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. 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 application.
The terms "first," "second," and the like in the description and in the claims, and in the drawings described above, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the features of the embodiments of the present application may be combined with each other without conflict.
The online payment and billing method provided by the embodiment of the present application is applied to a payment interaction system, and fig. 1 is a schematic view of the interaction system provided by the embodiment of the present application, and as shown in fig. 1, the system includes: e-commerce platform 10, ledger administration platform 20, and account opening platform 30.
In this embodiment, the e-commerce platform 10 is a shopping platform without a license plate for payment, the ledger administration platform 20 is an intermediate platform for interfacing the e-commerce platform 10 and the account opening platform 30, the ledger administration platform 20 sets a virtual account in the account opening platform 30 for a seller in the e-commerce platform 10, the virtual account belongs to the main body of the e-commerce platform 10, the account opening platform 30 may be a financial service platform, for example, a bank, and the seller may bind an own entity financial account in the e-commerce platform 10 to present funds to the entity financial account from the virtual account in the account opening platform 30.
An embodiment of the present application further provides an online payment and billing method, which is applied to a billing management platform, and fig. 2 is a schematic flow diagram of a first online payment and billing method provided in the embodiment of the present application, and as shown in fig. 2, the method includes:
s301: and obtaining a paid order sent by the e-commerce platform based on the user payment operation.
Specifically, the e-commerce platform comprises a plurality of resident sellers, the sellers provide a plurality of commodities for users to purchase through the e-commerce platform, the users select the commodities through the e-commerce platform and perform payment operation through a payment mode provided by the e-commerce platform after confirmation, and the users generate paid orders on the e-commerce platform after completing the payment operation, wherein the paid orders at least comprise: and the e-commerce platform sends the paid order to the ledger management platform.
It should be noted that, because the e-commerce platform does not have a payment license plate and does not support direct e-commerce platform payment, the payment method that the e-commerce platform can provide for the user may include one or more of union pay card payment and third party payment (e.g., pay treasure payment or wechat payment).
S302: and performing billing on the paid order according to a preset distribution proportion to obtain a billing record.
Specifically, when a seller is in the e-commerce platform, a preset distribution proportion related to commodities is agreed in a service agreement signed with the e-commerce platform, and the preset distribution proportion comprises the distribution proportion agreed by the e-commerce platform and the seller.
The preset distribution proportion of different sellers and e-commerce platforms can be different, the preset distribution proportion of each seller and each e-commerce platform is recorded into the account distribution management platform in advance, after a paid order sent by the e-commerce platform is received, the preset distribution proportion of the corresponding seller and each e-commerce platform is determined according to seller identification in the paid order, the transaction amount in the paid order is subjected to account distribution according to the preset distribution proportion, account distribution records are obtained, and the state of the account distribution records is to-be-subjected account distribution.
S303: and sending the accounting record to an account opening platform, so that the account opening platform accounts the funds of the paid order to the e-commerce platform account and the seller sub-account according to the accounting record, and updating the state of the accounting record to be settled.
Specifically, after the account splitting management platform completes account splitting, the account splitting record is sent to the account opening platform, the account opening platform generates an in-transit account splitting bill according to the account splitting record to split funds of the paid order, the funds in the paid order are divided into first account funds and second account funds, the first account funds are stored into an account of the electronic commerce platform, the second account funds are stored into a sub-account of the seller, after the account splitting platform completes account splitting, the successful result of the account splitting is returned to the account splitting management platform, and the state of the account splitting record is updated to be settled by the account splitting management platform according to the successful result of the account splitting.
The account of the e-commerce platform is an account of the e-commerce platform on an account opening platform, and the sub-account of the seller is a virtual sub-account created by the ledger management platform on the account opening platform for the seller. After the seller is resident on the e-commerce platform, the account distribution management platform is connected with an account opening platform, and a virtual sub-account is created for the seller under the e-commerce platform body. The second account funds in the virtual sub-account are funds that are not cashable by the seller.
It should be noted that, the e-commerce platform account includes a platform sub-account and a commission charge sub-account, according to the provision of the account opening platform, the platform sub-account is used for cashing to generate a high cashing commission charge, and the cashing from the commission charge sub-account is not required for cashing, after the account opening platform deposits the first account fund into the platform sub-account, the e-commerce platform applies for transferring part of the first account fund from the platform sub-account to the commission charge sub-account after T +1 working days, so that the e-commerce platform can carry out cashing. When transferring the funds from the platform sub-account to the commission sub-account, the funds cannot be transferred out in full, so that each first fund account needs to keep the funds with the preset amount in the platform sub-account. For example, the preset amount of funds may be 0.01 dollars.
The embodiment of the application provides an online payment and accounting method, which is applied to an accounting management platform, and is used for acquiring a paid order sent by an e-commerce platform based on user payment operation, accounting the paid order according to a preset allocation proportion, accounting the paid order to an accounting record, and sending the accounting record to an account opening platform, so that the account opening platform accounts the fund of the paid order to an e-commerce platform account and a seller sub-account according to the accounting record, and updates the state of the accounting record to be settled, wherein the e-commerce platform account is an account of the e-commerce platform on the account opening platform, and the seller sub-account is a virtual sub-account created by the seller on the account opening platform through the accounting management platform. By the method, the payment fund of the buyer is directly distributed to the e-commerce platform account and the seller sub-account according to the preset distribution proportion, so that the fund in the seller sub-account is not dominated by the e-commerce platform, the fund safety is practically guaranteed, a fund risk pool is prevented from being formed, and the safety of the platform and the user is improved.
On the basis of the above embodiments, the embodiments of the present application further provide an online payment and billing method, where the method further includes:
and if the buyer confirms the delivery operation and confirms that the order is paid to complete the transaction in response to the delivery confirmation sent by the e-commerce platform, updating the state of the branch accounting record to be the settlement completion, and sending the updated branch accounting record to the account opening platform, so that the account opening platform transfers the funds in the sub-account of the seller to the main account of the seller.
Specifically, the confirmation receiving operation of the buyer may be a confirmation receiving operation performed by the e-commerce platform after the buyer receives the commodity, or may be a confirmation receiving operation performed by the e-commerce platform automatically after a preset time after the buyer detects that the buyer signs the commodity. The accounting management platform receives a buyer confirmation receiving operation sent by the e-commerce platform, confirms that the transaction of a paid order is completed, updates the status of an accounting record to be accounting completion, updates the accounting record according to the order completing the transaction, and sends the updated accounting record to the account opening platform, so that the account opening platform transfers funds in the sub-account of the seller to the main account of the seller according to the updated accounting record.
The purpose of updating the branch account record is to update the state of the branch account record, the primary account of the seller is a virtual primary account number which is created by the branch account management platform on the account opening platform for the seller to present, through the virtual primary account, the seller can present funds in the virtual primary account to an entity account which is bound by the seller on the e-commerce platform, the account opening platform of the entity account can be the same account opening platform with the virtual primary account, and can be different account opening platforms, and the application is not limited to this.
It should be noted that the funds in the virtual sub-account can be withdrawn after T +1 working days, but the withdrawal is limited to the virtual sub-account or the platform sub-account, and neither the seller nor the e-commerce platform can withdraw the funds directly from the virtual sub-account.
According to the online payment and accounting method provided by the embodiment of the application, if the buyer confirms the goods receiving operation and confirms that the paid order completes the transaction in response to the electronic commerce platform, the state of the accounting record is updated to be the settlement completion, and the updated accounting record is sent to the account opening platform, so that the account opening platform transfers funds in the sub-account of the seller to the main account of the seller. By the method, the fund in the sub-account of the seller can be monitored, the fund in the sub-account of the seller can be transferred to the main account of the seller to be withdrawn only after the buyer confirms to receive the goods, the risk caused by the fact that all the fund is completely dominated by the e-commerce platform is avoided, and fund safety is practically guaranteed.
On the basis of the foregoing embodiment, an embodiment of the present application further provides an online payment and billing method, where after S301, the method further includes:
and responding to a payment initiating process of the buyer sent by the e-commerce platform, and paying the account corresponding to the buyer through the spare money in the third party transaction platform by the e-commerce platform.
Specifically, the process of initiating refund by the buyer is a process of refunding all funds or part of the funds initiated by the buyer on the e-commerce platform aiming at the paid order, the third-party transaction platform is a platform providing a payment way for the buyer, and the e-commerce platform stores spare money for refund in a plurality of third-party transaction platforms and supplements the spare money periodically or when the detected amount of the spare money is less than the preset amount.
After receiving a refund process initiated by a buyer sent by an e-commerce platform, the ledger management system sends the amount of money to be refunded to a third-party transaction platform corresponding to a payment path selected by the buyer, so that the third-party transaction platform sends the amount of money to be refunded to an account of the buyer on the third-party transaction platform.
And after the ledger management platform refunds for the buyer through the third-party transaction platform, transferring the corresponding refund amount from the sub-account of the seller into the account of the electronic commerce platform through the account opening platform.
The online payment and billing method provided by the embodiment of the application responds to a payment refund process initiated by a buyer sent by an e-commerce platform, and refunds an account corresponding to the buyer through a spare fund of the e-commerce platform in a third party transaction platform. By the method provided by the embodiment of the application, the refund of the buyer can be accepted in time, and the fund safety of the buyer is practically guaranteed.
On the basis of the foregoing embodiment, an embodiment of the present application further provides an online payment and accounting method, which is applied to an account opening platform, and fig. 3 is a flowchart illustrating a second online payment and accounting method provided in the embodiment of the present application, and as shown in fig. 3, the method includes:
s501: and receiving the ledger record sent by the ledger management platform.
Specifically, the accounting record is a fund distribution record obtained by the accounting management platform accounting the paid order according to a preset distribution proportion, the accounting record includes current state information, the specific generation mode of the accounting record is see the above S302, which is not described herein again, the current state information records the current state of the accounting record, and the current state information of the accounting record sent by the accounting management platform is to-be-accounted.
S502: and according to the account separation record, the funds of the paid order are separated to the e-commerce platform account and the seller sub-account.
Specifically, the e-commerce platform account is an account of the e-commerce platform on the account opening platform, and the seller sub-account is a virtual sub-account created by the ledger management platform on the account opening platform for the seller. The process of the account opening platform for performing account division on the e-commerce platform account and the seller sub-account according to the account division record is shown in the step S303, which is not described herein again. And after the account opening platform finishes account division, feeding the result back to the account division management platform, so that the account division management platform updates the current state information of the account division record into the account to be settled.
According to the online payment and account splitting method provided by the embodiment of the application, funds of paid orders are split into the electronic commerce platform account and the seller sub-account according to the split account records by receiving the split account records sent by the split account management platform. According to the method provided by the embodiment of the application, the payment fund of the buyer is directly distributed to the e-commerce platform account and the seller sub-account according to the preset distribution proportion, so that the fund in the seller sub-account is not dominated by the e-commerce platform, the fund safety is practically guaranteed, a fund risk pool is prevented from being formed, the risk of cash rolling and running of the e-commerce platform is avoided, and the fund safety is improved.
On the basis of the foregoing embodiments, an embodiment of the present application further provides an online payment and billing method, and fig. 4 is a flowchart of a third online payment and billing method provided in the embodiment of the present application, and as shown in fig. 4, the method further includes:
s801: and receiving a buyer confirmation message sent by the ledger management platform.
Specifically, the ledger management platform sends a buyer confirmation message to the account opening platform after the buyer confirms that the order paid by the electronic commerce platform completes the transaction in response to the buyer confirmation receiving operation sent by the electronic commerce platform, and the buyer confirmation message indicates that the order paid by the electronic commerce platform completes the transaction.
S802: and if the payment order is confirmed to complete the transaction according to the buyer confirmation message, transferring the funds in the seller sub-account into the seller main account.
Specifically, the primary account of the seller is a virtual primary account number which is created by the account opening platform of the seller and used for cash withdrawal by the account division management platform. And after the account opening account receives the buyer confirmation message and confirms that the paid order completes the transaction, transferring the funds in the sub-account of the seller to the main account of the seller according to the updated ledger record, wherein the specific process is described in detail above and is not described herein.
The online payment ledger method provided by the embodiment of the application receives a buyer confirmation message sent by the ledger management platform, and transfers funds in the sub-account of the seller to the main account of the seller if the buyer confirmation message confirms that the paid order completes the transaction. By the method, the fund in the sub-account of the seller can be monitored, the fund in the sub-account of the seller can be transferred to the main account of the seller to be withdrawn only after the buyer confirms to receive the goods, the risk caused by the fact that all the fund is completely dominated by the e-commerce platform is avoided, and fund safety is practically guaranteed.
On the basis of the above embodiments, the embodiments of the present application further provide an online payment and billing method, where the method further includes:
and if the buyer initiates a refund message sent by the ledger management platform, transferring the funds in the sub-account of the seller into the account of the electronic commerce platform.
Specifically, the ledger administration platform sends a refund initiating message to the account opening platform in response to a refund initiating process initiated by the buyer of the e-commerce platform, where the refund initiating message includes the amount of refund initiated by the buyer, and transfers funds in the sub-account of the seller to the e-commerce platform account according to the amount of refund initiated by the buyer, and the specific refund process is described in detail above and is not described herein.
According to the online payment and ledging method provided by the embodiment of the application, if a refund message sent by a buyer is responded to the ledger management platform, funds in the sub-account of the seller are transferred into the account of the e-commerce platform. By the method provided by the embodiment of the application, the refund of the buyer can be accepted in time, and the fund safety of the buyer is practically guaranteed.
Based on the foregoing embodiment and the system shown in fig. 1, fig. 5 is an interaction diagram of an online payment billing method provided in the embodiment of the present application; as shown in fig. 5, the method interaction process includes:
s10: and the user selects and purchases commodities and carries out payment operation on the E-commerce platform.
S20: and the E-commerce platform sends the paid order to the ledger management platform based on the payment operation of the user.
S30: and the account distribution management platform distributes accounts of the paid orders according to a preset distribution proportion agreed by the e-commerce platform and the seller to obtain an account distribution record.
S40: and the account division management platform sends the account division record to the account opening platform.
S50: and the account opening platform accounts the funds of the paid order to the electronic commerce platform account and the seller sub-account according to the account separating record.
S60: and the E-commerce platform sends a buyer confirmation receiving message to the ledger management platform.
S70: and the ledger management platform confirms the receiving information according to the buyer and sends the updated ledger record to the account opening platform.
S80: and the account opening platform transfers the funds in the sub-accounts of the sellers into the main account of the sellers according to the updated account splitting records.
On the basis of the foregoing embodiment, an embodiment of the present application further provides an online payment and accounting apparatus, which is applied to an accounting management platform, and fig. 6 is a schematic structural diagram of the first online payment and accounting apparatus provided in the embodiment of the present application, and as shown in fig. 6, the apparatus includes:
the order obtaining module 21 is configured to obtain a paid order sent by the e-commerce platform based on a user payment operation;
the accounting record generating module 22 is configured to perform accounting on the paid order according to a preset distribution ratio to obtain an accounting record; the method comprises the following steps that a billing record is in a state of waiting for billing, and a preset distribution proportion comprises a distribution proportion agreed by an e-commerce platform and a seller;
the account splitting record sending module 23 is configured to send the account splitting record to the account opening platform, so that the account opening platform splits funds of the paid order into an e-commerce platform account and a seller sub-account according to the account splitting record, and updates the state of the account splitting record to be settled; the account of the e-commerce platform is an account of the e-commerce platform on an account opening platform, and the sub-account of the seller is a virtual sub-account created by the ledger management platform on the account opening platform for the seller.
Optionally, the apparatus further comprises:
and the branch accounting record updating operation is used for updating the state of the branch accounting record to be the settlement completion and sending the updated branch accounting record to the opening platform if the buyer confirms that the delivery operation confirms that the order is paid and the transaction is completed in response to the E-commerce platform, so that the opening platform transfers the funds in the sub-accounts of the seller to the main account of the seller, wherein the main account of the seller is a virtual main account number which is created by the branch accounting management platform for the seller on the opening platform and used for cash withdrawal.
Optionally, after the order obtaining module 21, the apparatus further includes:
the refund module is used for responding to a buyer sent by the e-commerce platform to initiate a refund process and refunding an account corresponding to the buyer through a spare fund in a third party transaction platform by the e-commerce platform; the third party transaction platform is a platform that provides a payment path to the purchaser.
On the basis of the foregoing embodiment, an online payment accounting device is further provided in this embodiment of the present application, and is applied to an account opening platform, fig. 7 is a schematic structural diagram of a second online payment accounting device provided in this embodiment of the present application, and as shown in fig. 7, the device includes:
the account-separating record receiving module 31 is configured to receive an account-separating record sent by the account-separating management platform; the account splitting record is a fund distribution record obtained by the account splitting management platform splitting the paid order according to a preset distribution proportion, and the account splitting record comprises current state information;
the accounting module 32 is used for accounting the funds of the paid orders to the e-commerce platform account and the seller sub-account according to the accounting records; the account of the e-commerce platform is an account of the e-commerce platform on an account opening platform, and the sub-account of the seller is a virtual sub-account created by the ledger management platform on the account opening platform for the seller.
Optionally, the apparatus further comprises:
the confirmation message receiving module is used for receiving buyer confirmation messages sent by the ledger management platform;
and the cash withdrawal fund transfer module is used for transferring the fund in the sub-account of the seller to the main account of the seller if the payment order is confirmed to complete the transaction according to the buyer confirmation message, wherein the main account of the seller is a virtual main account number which is created by the accounting management platform for the seller in the account opening platform and used for cash withdrawal.
Optionally, the apparatus further comprises:
and the refund fund transfer module is used for transferring the fund in the sub-account of the seller into the account of the electronic commerce platform if responding to a refund message sent by the buyer of the account distribution management platform.
The above-mentioned apparatus is used for executing the method provided by the foregoing embodiment, and the implementation principle and technical effect are similar, which are not described herein again.
These above modules may be one or more integrated circuits configured to implement the above methods, such as: one or more Application Specific Integrated Circuits (ASICs), or one or more microprocessors, or one or more Field Programmable Gate Arrays (FPGAs), etc. For another example, when one of the above modules is implemented in the form of a Processing element scheduler code, the Processing element may be a general-purpose processor, such as a Central Processing Unit (CPU) or other processor capable of calling program code. For another example, these modules may be integrated together and implemented in the form of a system-on-a-chip (SOC).
Fig. 8 is a schematic diagram of a server provided in an embodiment of the present application, where the server 100 includes: a processor 101, a storage medium 102, and a bus.
The storage medium 102 stores program instructions executable by the processor 101, and when the server 100 runs, the processor 101 and the storage medium 102 communicate with each other through a bus, and the processor 101 executes the program instructions to execute the above method embodiments. The specific implementation and technical effects are similar, and are not described herein again.
Optionally, the invention also provides a program product, for example a computer-readable storage medium, comprising a program which, when being executed by a processor, is adapted to carry out the above-mentioned method embodiments.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit.
The integrated unit implemented in the form of a software functional unit may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a processor (processor) to execute some steps of the methods according to the embodiments of the present invention. And the aforementioned storage medium includes: a U disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and shall be covered by the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. An online payment and ledger method is applied to a ledger management platform and comprises the following steps:
acquiring a paid order sent by an e-commerce platform based on user payment operation;
performing account division on the paid order according to a preset distribution proportion to obtain an account division record; the preset distribution proportion comprises the distribution proportion agreed by the e-commerce platform and the seller, and the state of the distribution record is to-be-distributed;
sending the accounting record to an account opening platform, so that the account opening platform accounts the funds of the paid order to an e-commerce platform account and a seller sub-account according to the accounting record, and updating the state of the accounting record to be settled; the electronic commerce platform account is an account of the electronic commerce platform on the opening platform, and the family selling sub-account is a virtual sub-account created by the ledger management platform on the opening platform for the seller.
2. The method of claim 1, wherein the method further comprises:
and if the buyer confirms the delivery operation to confirm that the paid order completes the transaction in response to the delivery confirmation sent by the e-commerce platform, updating the state of the branch accounting record to be the settlement completion, and sending the updated branch accounting record to the opening platform, so that the opening platform transfers funds in the sub-account of the seller to a main account of the seller, wherein the main account of the seller is a virtual main account number which is created by the branch accounting management platform for the seller on the opening platform and used for cash withdrawal.
3. The method of claim 1, wherein after obtaining the paid order sent by the merchant platform based on the user payment operation, the method further comprises:
responding to a payment refunding process initiated by a buyer sent by the e-commerce platform, and refunding an account corresponding to the buyer through a spare fund in a third party transaction platform by the e-commerce platform; the third party transaction platform is a platform for providing a payment path to the buyer.
4. An online payment and account-splitting method is applied to an account opening platform and comprises the following steps:
receiving a ledger record sent by a ledger management platform; the account splitting record is a fund distribution record obtained by the account splitting management platform splitting a paid order according to a preset distribution proportion, and the account splitting record comprises current state information;
according to the billing record, the funds of the paid order are billed to an e-commerce platform account and a seller sub-account; the electronic commerce platform account is an account of the electronic commerce platform on the opening platform, and the family selling sub-account is a virtual sub-account created by the ledger management platform on the opening platform for the seller.
5. The method of claim 4, wherein the method further comprises:
receiving a buyer confirmation message sent by the ledger management platform;
and if the payment order is confirmed to complete the transaction according to the buyer confirmation message, transferring the funds in the sub-account of the seller to a main account of the seller, wherein the main account of the seller is a virtual main account number which is created by the ledger management platform for the seller on the account opening platform and used for cash withdrawal.
6. The method of claim 4, wherein the method further comprises:
and if a refund message is sent by the buyer in response to the ledger management platform, transferring the funds in the sub-account of the seller into the account of the electronic commerce platform.
7. The utility model provides an online payment branch account device which characterized in that is applied to branch account management platform, includes:
the order acquisition module is used for acquiring a paid order sent by the e-commerce platform based on the user payment operation;
the account splitting record generation module is used for splitting the paid order according to a preset distribution proportion to obtain an account splitting record; the state of the account distribution record is to-be-distributed, and the preset distribution proportion comprises a distribution proportion agreed by the e-commerce platform and the seller;
the account splitting record sending module is used for sending the account splitting record to an account opening platform, so that the account opening platform divides funds of the paid order into an e-commerce platform account and a seller sub-account according to the account splitting record, and updates the state of the account splitting record to be settled; the electronic commerce platform account is an account of the electronic commerce platform on the opening platform, and the family selling sub-account is a virtual sub-account created by the ledger management platform on the opening platform for the seller.
8. The utility model provides an online payment branch accounting device which is applied to the platform of opening an account, includes:
the account splitting record receiving module is used for receiving the account splitting record sent by the account splitting management platform; the account splitting record is a fund distribution record obtained by the account splitting management platform splitting a paid order according to a preset distribution proportion, and the account splitting record comprises current state information;
the accounting module is used for accounting the funds of the paid orders to an e-commerce platform account and a seller sub-account according to the accounting records; the electronic commerce platform account is an account of the electronic commerce platform on the opening platform, and the family selling sub-account is a virtual sub-account created by the ledger management platform on the opening platform for the seller.
9. A server, comprising: a processor, a storage medium and a bus, the storage medium storing program instructions executable by the processor, the processor and the storage medium communicating via the bus when the server is running, the processor executing the program instructions to perform the steps of the online payment accounting method according to any one of claims 1 to 6.
10. A computer-readable storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, carries out the steps of the method for online payment billing according to any of the claims 1 to 6.
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