CN113469672B - Online payment account separating method and device, server and storage medium - Google Patents
Online payment account separating method and device, server and storage medium Download PDFInfo
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- CN113469672B CN113469672B CN202110771307.1A CN202110771307A CN113469672B CN 113469672 B CN113469672 B CN 113469672B CN 202110771307 A CN202110771307 A CN 202110771307A CN 113469672 B CN113469672 B CN 113469672B
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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
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Abstract
The application provides an online payment account separating 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, dividing the paid order into account dividing records according to a preset distribution proportion, sending the account dividing records to an account opening platform, enabling the account opening platform to divide funds of the paid order into an e-commerce platform account and a seller sub-account according to the account dividing records, and updating the state of the account dividing records to be settled, wherein an e-commerce platform account is an account of the e-commerce platform at the account opening platform, and a seller sub-account is a virtual sub-account created by a seller at the account opening platform by a account dividing management platform. The application can avoid the fund risk and ensure the fund safety.
Description
Technical Field
The application relates to the technical field of internet, in particular to an online payment account separating method, device, server and storage medium.
Background
With the rapid development of internet technology, the application of the e-commerce platform is more and more widespread, and after consumers shop through the e-commerce platform, funds paid through the payment platform are directly settled to a bank account of the e-commerce platform.
After the funds enter the bank account of the e-commerce platform, the e-commerce platform settles the funds in the bank account to the seller, and the two-step settlement is completed.
However, for the e-commerce platform without license plates, the bank account is not regulated, so that the fund transaction amount is large, the fund pool risk is easily formed, and the hidden danger exists in the use of users.
Disclosure of Invention
The application aims to provide an online payment account separating method, device, server and storage medium for overcoming the defects in the prior art so as to avoid the fund risk and ensure the fund safety.
In order to achieve the above purpose, the technical scheme adopted by the embodiment of the application is 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, including:
acquiring paid orders sent by an e-commerce platform based on user payment operation;
dividing accounts of the paid orders according to a preset distribution proportion to obtain a dividing account record; the preset distribution proportion comprises distribution proportions agreed by the e-commerce platform and the seller, and the state of the account distribution record is to be distributed;
sending the account separation record to an account opening platform, so that the account opening platform can separate funds of the paid order into an e-commerce platform account and a seller sub-account according to the account separation record, and updating the state of the account separation record to be settled; 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 which is created by the account separation management platform for the seller on the account opening platform.
Optionally, the method further comprises:
if the paid order is confirmed to complete the transaction in response to the buyer confirmation receiving operation sent by the e-commerce platform, updating the state of the account dividing record to be the completion of settlement, and sending the updated account dividing record to the account opening platform, so that the account opening platform transfers funds in the seller sub-account to a seller account, wherein the seller account is a virtual main account number which is created by the account opening platform for the seller and used for presenting by the account dividing management platform.
Optionally, after the acquiring the paid order of the e-commerce platform, the method further comprises:
responding to a buyer sent by the e-commerce platform to initiate a refund flow, and refunding an account corresponding to the buyer through a spare money of the e-commerce platform in a third party transaction platform; the third party transaction platform is a platform that provides payment paths to the buyer.
In a second aspect, an embodiment of the present application further provides an online payment accounting method, which is applied to an account opening platform, including:
receiving a ledger record sent by a ledger management platform; the account separation record is a fund distribution record obtained by the account separation management platform for separating the paid orders according to a preset distribution proportion, and the account separation record comprises current state information;
dividing funds of the paid order into an e-commerce platform account and a seller sub-account according to the dividing records; 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 which is created by the account separation management platform for the seller on the account opening platform.
Optionally, the method further comprises:
receiving a buyer confirmation message sent by the account separation management platform;
and if the paid order is confirmed to complete the transaction according to the buyer confirmation message, transferring funds in the seller sub-account to a seller account, wherein the seller account is a virtual main account which is created by the account separation management platform for the seller at the account opening platform and used for presenting.
Optionally, the method further comprises:
and if the buyer sent by the account separation management platform initiates a refund message, transferring funds in the seller sub-account to the e-commerce platform account.
In a third aspect, an embodiment of the present application further provides an online payment ledger apparatus, applied to a ledger management platform, including:
the order acquisition module is used for acquiring paid orders sent by the e-commerce platform based on user payment operation;
the account distribution record generation module is used for distributing accounts of the paid orders according to a preset distribution proportion to obtain account distribution records; the state of the account separation record is to be subjected to account separation, and the preset distribution proportion comprises distribution proportions agreed by the e-commerce platform and the seller;
the account opening platform is used for dividing funds of the paid order into an e-commerce platform account and a seller sub-account according to the account dividing record and updating the state of the account dividing record into to-be-settled; 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 which is created by the account separation management platform for the seller on the account opening platform.
Optionally, the apparatus further includes:
and the account opening platform is used for transferring funds in the seller sub-account to a seller account, wherein the seller account is a virtual main account which is created by the account opening platform for the seller by the account opening management platform.
Optionally, after the order acquisition module, the apparatus further comprises:
the refund module is used for responding to the refund flow initiated by the buyer sent by the e-commerce platform and refunding the account corresponding to the buyer through the spare money of the e-commerce platform in the third-party transaction platform; the third party transaction platform is a platform that provides payment paths to the buyer.
In a fourth aspect, an embodiment of the present application further provides an online payment accounting device, which is applied to an account opening platform, including:
the account distribution record receiving module is used for receiving the account distribution record sent by the account distribution management platform; the account separation record is a fund distribution record obtained by the account separation management platform for separating the paid orders according to a preset distribution proportion, and the account separation record comprises current state information;
the account dividing module is used for dividing funds of the paid order into an e-commerce platform account and a seller sub-account according to the account dividing record; 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 which is created by the account separation management platform for the seller on the account opening platform.
Optionally, the apparatus further includes:
the confirmation message receiving module is used for receiving the buyer confirmation message sent by the account separation management platform;
and the cash-out funds transfer module is used for transferring funds in the sub-accounts of the seller to the accounts of the seller if the paid order is confirmed to complete the transaction according to the buyer confirmation message, wherein the accounts of the seller are virtual main accounts which are created by the account separation management platform for the seller at the account opening platform and are used for cash-out.
Optionally, the apparatus further includes:
and the refund fund transfer module is used for transferring the funds in the seller sub-account into the e-commerce platform account if responding to the refund information initiated by the buyer sent by the account separation management platform.
In a fifth aspect, an embodiment of the present application further provides a server, including: the system comprises 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 are communicated through the bus, and the processor executes the program instructions to execute the steps of the online payment account distribution method according to any one of the embodiments.
In a sixth aspect, an embodiment of the present application further provides a computer readable storage medium, where a computer program is stored, where the computer program when executed by a processor performs the steps of the online payment accounting method according to any one of the above embodiments.
The beneficial effects of the application are as follows:
the application provides an online payment account separating method, device, server and storage medium, wherein an account separating management platform obtains a paid order sent by an electronic commerce platform based on user payment operation, separates the paid order according to a preset distribution proportion, separates the paid order into account separating records, sends the account separating records to an account opening platform, enables the account opening platform to separate funds of the paid order to an electronic commerce platform account and a seller sub-account according to the account separating records, and updates the state of the account separating records to be settled, wherein the electronic commerce platform account is an account of the electronic commerce platform at the account opening platform, and the seller sub-account is a virtual sub-account created by the account separating management platform for a seller at the account opening platform. According to the scheme provided by the application, the funds paid by the buyer are directly distributed to the e-commerce platform account and the seller sub-account according to the preset distribution proportion, so that the funds in the seller sub-account are not subjected to the control of the e-commerce platform, the funds safety is practically ensured, the formation of a funds risk pool is avoided, 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 application, the drawings that are needed in the embodiments will be briefly described below, it being understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and other related drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of an interactive system according to an embodiment of the present application;
fig. 2 is a flow chart of a first online payment accounting method according to an embodiment of the present application;
fig. 3 is a flow chart of a second online payment accounting method according to an embodiment of the present application;
fig. 4 is a flow chart of a third online payment accounting method according to an embodiment of the present application;
FIG. 5 is an interactive schematic diagram of an online payment accounting 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
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present application more apparent, the technical solutions of the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are some embodiments of the present application, but not all embodiments of the present application.
Thus, the following detailed description of the embodiments of the application, as presented in the figures, is not intended to limit the scope of the application, as claimed, but is merely representative of selected embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
The terms first, second and the like in the description and in the claims and in the above-described figures, 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 may be interchanged where appropriate such that the embodiments of the application described herein may be implemented in sequences other than those illustrated or otherwise 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 account separating method provided by the embodiment of the application is applied to a payment interaction system, and fig. 1 is a schematic diagram of the interaction system provided by the embodiment of the application, as shown in fig. 1, the system comprises: an e-commerce platform 10, a ledger administration platform 20 and an account opening platform 30.
In the embodiment of the present application, the e-commerce platform 10 is a shopping platform without payment license plates, the account separation management platform 20 is an intermediate platform for the e-commerce platform 10 and the account opening platform 30, the account separation management platform 20 opens a virtual account for a seller in the e-commerce platform 10 in the account opening platform 30, the virtual account belongs to the main body of the e-commerce platform 10, the account opening platform 30 can be a financial service platform, such as a bank, and the seller can bind own entity financial account in the e-commerce platform 10 to present funds from the virtual account in the account opening platform 30 to the entity financial account.
The embodiment of the application also provides an online payment and account separation method, which is applied to an account separation management platform, and fig. 2 is a flow diagram of a first online payment and account separation method provided by the embodiment of the application, as shown in fig. 2, and the method comprises the following steps:
s301: and acquiring paid orders sent by the e-commerce platform based on the user payment operation.
Specifically, the electronic commerce platform comprises a plurality of resident sellers, the sellers provide a plurality of commodities available for purchase for users through the electronic commerce platform, the users select the commodities through the electronic commerce platform and pay through a payment mode provided by the electronic commerce platform after confirmation, the users generate paid orders on the electronic commerce platform after finishing the payment operation, and the paid orders at least comprise: transaction amount and seller identification, the e-commerce platform sends the paid order to the ledger administration platform.
It should be noted that, since the e-commerce platform does not have a payment license plate and does not support direct e-commerce platform payment, the payment manner that the e-commerce platform can provide for the user may include one or more of a Unionpay payment, a third party payment (such as a payment treasured payment or a WeChat payment).
S302: and dividing accounts of the paid orders according to the preset distribution proportion to obtain a dividing account record.
Specifically, when the seller enters the e-commerce platform, a service agreement signed with the e-commerce platform agrees with a preset allocation proportion related to the commodity, wherein the preset allocation proportion comprises allocation proportions agreed by the e-commerce platform and the seller.
The preset distribution proportion of different sellers and the e-commerce platform can be different, the preset distribution proportion of each seller and the e-commerce platform is input into the account dividing 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 the e-commerce platform is determined according to the seller identification in the paid order, the transaction amount in the paid order is divided according to the preset distribution proportion, and account dividing records are obtained, wherein the state of the account dividing records is to be divided.
S303: and sending the account separation record to an account opening platform, so that the account opening platform can divide funds of the paid order into an e-commerce platform account and a seller sub-account according to the account separation record, and updating the state of the account separation record into a state to be settled.
Specifically, after the account separation management platform finishes account separation, the account separation record is sent to the account separation platform, the account separation platform generates an in-transit account separation bill according to the account separation record so as to separate 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 in an e-commerce platform account, the second account funds are stored in a seller sub-account, after the account separation platform finishes account separation, a successful account separation result is returned to the account separation management platform, and the account separation management platform updates the state of the account separation record to be settled according to the successful account separation result.
The e-commerce platform account is an account of the e-commerce platform at the account opening platform, and the seller sub-account is a virtual sub-account which is created by the account dividing management platform for the seller at the account opening platform. After the seller enters the resident e-commerce platform, the account separation management platform is connected with the account receiving platform, and a virtual sub-account is created for the seller under the main body of the e-commerce platform. The second account funds in the virtual sub-account are funds that are not available to the seller for withdrawal.
It should be noted that, the e-commerce platform account includes a platform sub-account and a commission sub-account, according to the rule of the account opening platform, the commission is presented by the platform sub-account to generate high-amount presented commission, and the commission is presented from the commission sub-account without being presented, after the account opening platform stores the first account funds into the platform sub-account, the e-commerce platform applies for transferring part of the first account funds from the platform sub-account to the commission sub-account after T+1 working days, so that the e-commerce platform presents. The funds cannot be fully transferred out when transferred from the platform sub-account to the commission sub-account, and therefore each first funds account needs to hold funds of a preset amount in the platform sub-account. By way of example, the predetermined amount of funds may be 0.01 yuan.
The embodiment of the application provides an online payment account separating method which is applied to an account separating management platform, and is characterized in that an e-commerce platform account is an account of the e-commerce platform at the account opening platform, a paid order is separated according to a preset distribution proportion, the paid order is separated to account separating records, the account separating records are sent to an account opening platform, so that the account opening platform separates funds of the paid order to an e-commerce platform account and a seller sub-account according to the account separating records, and the state of the account separating records is updated to be settled, wherein the e-commerce platform account is the account of the e-commerce platform at the account opening platform, and the seller sub-account is a virtual sub-account created by the account separating management platform at the account opening platform for a seller. According to the method provided by the embodiment of the application, the funds paid by the buyer are directly distributed to the e-commerce platform account and the seller sub-account according to the preset distribution proportion, so that the funds in the seller sub-account are not subjected to the control of the e-commerce platform, the funds safety is practically ensured, the formation of a funds risk pool is avoided, and the safety of the platform and the user is improved.
On the basis of the above embodiment, the embodiment of the present application further provides an online payment accounting method, where the method further includes:
if the buyer confirmation receiving operation sent by the e-commerce platform confirms that the paid order is completed, updating the state of the account dividing record to be the completion of settlement, and sending the updated account dividing record to the account opening platform, so that the account opening platform transfers funds in the sub-account of the seller to the account of the seller.
Specifically, the buyer confirmation receiving operation may be a confirmation receiving operation performed by the buyer at the e-commerce platform after receiving the commodity, or may be a confirmation receiving operation performed by the e-commerce platform after detecting a preset time after the buyer signs in for the commodity. And the account separation management platform confirms the receiving operation of the buyer sent by the e-commerce platform, confirms that the transaction of the paid order is completed, updates the state of the account separation record to be the completion of settlement, updates the account separation record according to the order of which the transaction is completed, and sends the updated account separation record to the account opening platform, so that the account opening platform transfers funds in the seller sub-account to the seller account according to the updated account separation record.
The purpose of updating the account separation record is to update the state of the account separation record, wherein the seller account is a virtual main account number which is created by the account separation management platform at the account opening platform of the seller and used for presenting, through the virtual main account, funds in the virtual main account can be presented to an entity account bound by the seller at the e-commerce platform, the account opening platform of the entity account can be the same account opening platform as the virtual main account and can be different account opening platforms, and the application is not limited to the above.
It should be noted that, the funds in the virtual sub-account can be presented after t+1 working days, but the funds are only presented to the virtual sub-account or the platform sub-account, and neither the seller nor the e-commerce platform can directly present the funds from the virtual sub-account.
In the online payment account separating method provided by the embodiment of the application, if the buyer confirmation receiving operation sent by the e-commerce platform confirms that the paid order completes the transaction, the state of the account separating record is updated to be the completion of settlement, and the updated account separating 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 account of the seller. By the method provided by the embodiment of the application, the funds in the sub-accounts of the seller can be monitored, and the funds in the sub-accounts of the seller can be transferred to the accounts of the seller for withdrawal only after the buyer confirms the receiving goods, so that the risk caused by the fact that all the funds are completely governed by an electronic commerce platform is avoided, and the funds safety is practically ensured.
On the basis of the above embodiment, the embodiment of the present application further provides an online payment accounting method, and after S301, the method further includes:
and responding to the buyer sent by the e-commerce platform to initiate a refund flow, and refunding the account corresponding to the buyer through the spare money of the e-commerce platform in the third-party transaction platform.
Specifically, the buyer initiates a refund flow, which is a total funds refund flow or a partial funds refund flow initiated by the buyer on the e-commerce platform for the paid order, the third party transaction platform is a platform for providing a payment path for the buyer, and the e-commerce platform stores spare funds due to refund in a plurality of third party transaction platforms and supplements the spare funds periodically or when the amount of the spare funds is detected to be less than a preset amount.
After receiving a refund flow sent by the e-commerce platform, the account separation management system sends the amount to be refunded to a third party transaction platform corresponding to a payment way selected by the buyer, so that the third party transaction platform sends the amount to be refunded to an account of the buyer on the third party transaction platform.
After refunding the buyer through the third party transaction platform, the account separation management platform transfers the corresponding refund amount to the e-commerce platform account from the seller sub-account through the account opening platform.
According to the online payment account separating method provided by the embodiment of the application, the buyer sends a refund flow in response to the e-commerce platform, and the corresponding account number of the buyer is refund through the spare money of the e-commerce platform in the third-party transaction platform. The method provided by the embodiment of the application can ensure that refunds of buyers are accepted in time, and effectively ensure the fund safety of the buyers.
On the basis of the above embodiment, the 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 schematic flow diagram of a second online payment and accounting method provided by the embodiment of the present application, as shown in fig. 3, where the method includes:
s501: and receiving the account separating record sent by the account separating management platform.
Specifically, the accounting record is a fund distribution record obtained by the accounting management platform for accounting the paid order according to the preset distribution proportion, the accounting record includes current state information, the specific generation mode of the accounting record is described in the above step S302, details are not described here, 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 separating funds of the paid order into an e-commerce platform account and a seller sub-account according to the separation record.
Specifically, the e-commerce platform account is an account of the e-commerce platform at the account opening platform, and the seller sub-account is a virtual sub-account created by the account dividing management platform for the seller at the account opening platform. The process of the account opening platform for performing the account opening on the e-commerce platform account and the seller sub-account according to the account opening record is described in S303, which is not described herein. After the account opening platform finishes accounting, the result is fed back to the account opening management platform, so that the account opening management platform updates the current state information of the account opening record to be settled.
According to the online payment account separating method provided by the embodiment of the application, the funds of the paid order are separated to the e-commerce platform account and the seller sub-account according to the account separating record by receiving the account separating record sent by the account separating management platform. According to the method provided by the embodiment of the application, the funds paid by the buyer are directly distributed to the e-commerce platform account and the seller sub-account according to the preset distribution proportion, so that the funds in the seller sub-account are not subjected to the e-commerce platform, the funds safety is practically ensured, the funds risk pool is avoided, the risk of the e-commerce platform for rolling money and running is avoided, and the funds safety is improved.
On the basis of the foregoing embodiments, the embodiment of the present application further provides an online payment and accounting method, and fig. 4 is a schematic flow diagram of a third online payment and accounting method provided by the embodiment of the present application, as shown in fig. 4, where the method further includes:
s801: receiving a buyer confirmation message sent by the account management platform.
Specifically, after the account separation management platform responds to the buyer confirmation receiving operation sent by the e-commerce platform to confirm that the paid order is completed, a buyer confirmation message is sent to the account opening platform, and a user of the buyer confirmation message indicates that the paid order in the e-commerce platform is completed.
S802: and if the paid order is confirmed to complete the transaction according to the buyer confirmation message, transferring funds in the sub-account of the seller to the account of the seller.
Specifically, the vendor account is a virtual primary account number created by the vendor at the account opening platform for the account separation management platform for the presentation. After receiving the buyer confirmation message, the account opening account confirms that the paid order completes the transaction, and funds in the sub-account of the seller are transferred to the account of the seller according to the updated account dividing record, and the detailed process is detailed in the above description and will not be repeated here.
According to the online payment account dividing method provided by the embodiment of the application, the buyer confirmation message sent by the account dividing management platform is received, and if the paid order is confirmed to finish the transaction according to the buyer confirmation message, funds in the sub-account of the seller are transferred to the account of the seller. By the method provided by the embodiment of the application, the funds in the sub-accounts of the seller can be monitored, and the funds in the sub-accounts of the seller can be transferred to the accounts of the seller for withdrawal only after the buyer confirms the receiving goods, so that the risk caused by the fact that all the funds are completely governed by an electronic commerce platform is avoided, and the funds safety is practically ensured.
On the basis of the above embodiment, the embodiment of the present application further provides an online payment accounting method, where the method further includes:
and if the buyer sent by the account separation management platform initiates a refund message, transferring funds in the sub-account of the seller to the account of the e-commerce platform.
Specifically, the account separation management platform responds to a buyer-initiated refund flow initiated by the e-commerce platform, sends a buyer-initiated refund message to the account opening platform, wherein the buyer-initiated refund message comprises the amount of the buyer-initiated refund, and transfers funds in the seller sub-account to the e-commerce platform account according to the amount of the buyer-initiated refund, and the specific refund process is detailed in the above and is not described herein.
According to the online payment account dividing method provided by the embodiment of the application, if the buyer sent by the account dividing management platform initiates a refund message, funds in the sub-account of the seller are transferred into the account of the e-commerce platform. The method provided by the embodiment of the application can ensure that refunds of buyers are accepted in time, and effectively ensure the fund safety of the buyers.
Based on the above embodiments and the system shown in fig. 1, fig. 5 is an interaction schematic diagram of an online payment accounting method according to an embodiment of the present application; as shown in fig. 5, the method interaction process includes:
s10: and the user performs commodity purchase and payment operation on the e-commerce platform.
S20: the e-commerce platform sends the paid orders to the ledger administration platform based on payment operations of the user.
S30: and the account separation management platform performs account separation on the paid orders according to preset distribution proportion agreed by the e-commerce platform and the seller to obtain account separation records.
S40: and the account separation management platform sends the account separation record to the account opening platform.
S50: and 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 dividing record.
S60: and the e-commerce platform sends a buyer confirmation receiving message to the account separation management platform.
S70: and the account separation management platform sends the updated account separation record to the account opening platform according to the buyer confirmation receiving message.
S80: and the account opening platform transfers funds in the sub-accounts of the seller into the accounts of the seller according to the updated account separation record.
On the basis of the foregoing embodiments, the embodiment of the present application further provides an online payment and accounting device, which is applied to an accounting management platform, and fig. 6 is a schematic structural diagram of a first online payment and accounting device provided by the embodiment of the present application, as shown in fig. 6, where the device includes:
an order acquisition module 21, configured to acquire a paid order sent by the e-commerce platform based on a payment operation of a user;
the account separation record generation module 22 is configured to perform account separation on the paid order according to a preset allocation proportion, so as to obtain an account separation record; the state of the account separation record is to be subjected to account separation, and the preset distribution proportion comprises distribution proportions agreed by an e-commerce platform and a seller;
the account separation record sending module 23 is configured to send the account separation record to the account opening platform, so that the account opening platform separates funds of the paid order to the e-commerce platform account and the seller sub-account according to the account separation record, and updates the state of the account separation record to be settled; the e-commerce platform account is an account of the e-commerce platform at the account opening platform, and the seller sub-account is a virtual sub-account which is created by the account dividing management platform for the seller at the account opening platform.
Optionally, the apparatus further comprises:
and the account separation record updating module is used for updating the state of the account separation record to be the completion of settlement if the payment order is confirmed to complete the transaction in response to the buyer confirmation receiving operation sent by the e-commerce platform, and sending the updated account separation record to the account opening platform, so that the account opening platform transfers funds in the sub-account of the seller to the account of the seller, wherein the account of the seller is a virtual main account which is created by the account separation management platform for the seller at the account opening platform and used for presenting.
Optionally, after the order acquisition module 21, the apparatus further comprises:
the refund module is used for responding to the refund flow sent by the electronic commerce platform and sending a refund to the account corresponding to the buyer through the spare money of the electronic commerce platform in the third party transaction platform; the third party trading platform is a platform that provides payment paths to buyers.
On the basis of the foregoing embodiment, the embodiment of the present application further provides an online payment and accounting device, which is applied to an account opening platform, and fig. 7 is a schematic structural diagram of a second online payment and accounting device provided by the embodiment of the present application, as shown in fig. 7, where the device includes:
the account distribution record receiving module 31 is configured to receive an account distribution record sent by the account distribution management platform; the account separation record is a fund distribution record obtained by the account separation management platform for separating the paid order according to a preset distribution proportion, and comprises current state information;
the accounting module 32 is used for accounting the funds of the paid order to the e-commerce platform account and the seller sub-account according to the accounting record; the e-commerce platform account is an account of the e-commerce platform at the account opening platform, and the seller sub-account is a virtual sub-account which is created by the account dividing management platform for the seller at the account opening platform.
Optionally, the apparatus further comprises:
the confirmation message receiving module is used for receiving the buyer confirmation message sent by the account dividing management platform;
and the cash-out funds transfer module is used for transferring funds in the sub-accounts of the seller to the accounts of the seller if the paid order is confirmed to complete the transaction according to the buyer confirmation message, wherein the accounts of the seller are virtual main account numbers which are created by the account separation management platform for the seller at the account opening platform and are used for cash-out.
Optionally, the apparatus further comprises:
and the refund fund transfer module is used for transferring funds in the sub-accounts of the seller to the accounts of the electronic commerce platform if responding to the refund information initiated by the buyer sent by the account separation management platform.
The foregoing apparatus is used for executing the method provided in the foregoing embodiment, and its implementation principle and technical effects are similar, and are not described herein again.
The above modules may be one or more integrated circuits configured to implement the above methods, for example: one or more application specific integrated circuits (Application Specific Integrated Circuit, abbreviated as ASICs), or one or more microprocessors, or one or more field programmable gate arrays (Field Programmable Gate Array, abbreviated as FPGAs), etc. For another example, when a module above 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 (Central Processing Unit, CPU) or other processor that may invoke the program code. For another example, the 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 according to 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 is running, the processor 101 communicates with the storage medium 102 through a bus, and the processor 101 executes the program instructions to perform the above-described method embodiments. The specific implementation manner and the technical effect are similar, and are not repeated here.
Optionally, the present application also provides a program product, such as a computer readable storage medium, comprising a program for performing the above-described method embodiments when being executed by a processor.
In the several embodiments provided by the present application, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.
The units described as separate units may or may not be physically separate, and units shown 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 may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in the embodiments of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in hardware plus software functional units.
The integrated units implemented in the form of software functional units described above may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium, and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor (english: processor) to perform some of the steps of the methods according to the embodiments of the application. And the aforementioned storage medium includes: u disk, mobile hard disk, read-Only Memory (ROM), random access Memory (Random Access Memory, RAM), magnetic disk or optical disk, etc.
The foregoing is merely illustrative of embodiments of the present application, and the present application is not limited thereto, and any changes or substitutions can be easily made by those skilled in the art within the technical scope of the present application, and the present application is intended to be covered by the present application. Therefore, the protection scope of the application is subject to the protection scope of the claims.
Claims (6)
1. An online payment account separating method is characterized by being applied to an account separating management platform and comprising the following steps of:
acquiring paid orders sent by an e-commerce platform based on user payment operation;
dividing accounts of the paid orders according to a preset distribution proportion to obtain a dividing account record; the preset distribution proportion comprises distribution proportions agreed by the e-commerce platform and the seller, and the state of the account distribution record is to be distributed;
sending the account separation record to an account opening platform, so that the account opening platform can separate funds of the paid order into an e-commerce platform account and a seller sub-account according to the account separation record, and updating the state of the account separation record to be settled; the e-commerce platform account is an account of the e-commerce platform on the account opening platform, the seller sub-account is a virtual sub-account which is created by the account dividing management platform for the seller on the account opening platform, and funds in the seller sub-account are funds which cannot be extracted by the seller;
after the acquiring the paid order sent by the e-commerce platform based on the user payment operation, the method further comprises:
responding to a buyer sent by the e-commerce platform to initiate a refund flow, and refunding an account corresponding to the buyer through a spare money of the e-commerce platform in a third party transaction platform; the third party transaction platform is a platform for providing payment paths for the buyers;
the account opening platform transfers funds in the seller sub-account to the e-commerce platform account;
the method further comprises the steps of:
if the paid order is confirmed to complete the transaction in response to the buyer confirmation receiving operation sent by the e-commerce platform, updating the state of the account dividing record to be the completion of settlement, and sending the updated account dividing record to the account opening platform, so that the account opening platform transfers funds in the seller sub-account to a seller account, wherein the seller account is a virtual main account number which is created by the account opening platform for the seller and used for presenting by the account dividing management platform.
2. An online payment account separating 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 separation record is a fund distribution record obtained by the account separation management platform for separating the paid orders according to a preset distribution proportion, and the account separation record comprises current state information;
dividing funds of the paid order into an e-commerce platform account and a seller sub-account according to the dividing records; the e-commerce platform account is an account of the e-commerce platform on the account opening platform, the seller sub-account is a virtual sub-account which is created by the account dividing management platform for the seller on the account opening platform, and funds in the seller sub-account are funds which cannot be extracted by the seller;
the method further comprises the steps of:
if a refund message is initiated by a buyer sent by the account separation management platform, transferring funds in the seller sub-account to the e-commerce platform account;
the account separation management platform refunds an account number corresponding to the buyer through the spare money of the e-commerce platform in a third party transaction platform; the third party transaction platform is a platform for providing payment paths for the buyers;
the method further comprises the steps of:
receiving a buyer confirmation message sent by the account separation management platform;
and if the paid order is confirmed to complete the transaction according to the buyer confirmation message, transferring funds in the seller sub-account to a seller account, wherein the seller account is a virtual main account which is created by the account separation management platform for the seller at the account opening platform and used for presenting.
3. An online payment ledger apparatus, characterized in that it is applied to a ledger administration platform, comprising:
the order acquisition module is used for acquiring paid orders sent by the e-commerce platform based on user payment operation;
the account distribution record generation module is used for distributing accounts of the paid orders according to a preset distribution proportion to obtain account distribution records; the state of the account separation record is to be subjected to account separation, and the preset distribution proportion comprises distribution proportions agreed by the e-commerce platform and the seller;
the account opening platform is used for dividing funds of the paid order into an e-commerce platform account and a seller sub-account according to the account dividing record and updating the state of the account dividing record into to-be-settled; the e-commerce platform account is an account of the e-commerce platform on the account opening platform, the seller sub-account is a virtual sub-account which is created by the account dividing management platform for the seller on the account opening platform, and funds in the seller sub-account are funds which cannot be extracted by the seller;
after the order acquisition module, the apparatus further comprises:
the refund module is used for responding to the refund flow initiated by the buyer sent by the e-commerce platform and refunding the account corresponding to the buyer through the spare money of the e-commerce platform in the third-party transaction platform; the third party transaction platform is a platform for providing payment paths for the buyers;
the account opening platform transfers funds in the seller sub-account to the e-commerce platform account;
the apparatus further comprises:
and the account opening platform is used for transferring funds in the seller sub-account to a seller account, wherein the seller account is a virtual main account which is created by the account opening platform for the seller by the account opening management platform.
4. An online payment ledger apparatus, applied to an account opening platform, comprising:
the account distribution record receiving module is used for receiving the account distribution record sent by the account distribution management platform; the account separation record is a fund distribution record obtained by the account separation management platform for separating the paid orders according to a preset distribution proportion, and the account separation record comprises current state information;
the account dividing module is used for dividing funds of the paid order into an e-commerce platform account and a seller sub-account according to the account dividing record; the e-commerce platform account is an account of the e-commerce platform on the account opening platform, the seller sub-account is a virtual sub-account which is created by the account dividing management platform for the seller on the account opening platform, and funds in the seller sub-account are funds which cannot be extracted by the seller;
the apparatus further comprises:
the refund fund transfer module is used for transferring funds in the seller sub-account to the e-commerce platform account if responding to the refund information initiated by the buyer sent by the account separation management platform;
the account separation management platform refunds an account number corresponding to the buyer through the spare money of the e-commerce platform in a third party transaction platform; the third party transaction platform is a platform for providing payment paths for the buyers;
the apparatus further comprises:
the confirmation message receiving module is used for receiving the buyer confirmation message sent by the account separation management platform;
and the cash-out funds transfer module is used for transferring funds in the sub-accounts of the seller to the accounts of the seller if the paid order is confirmed to complete the transaction according to the buyer confirmation message, wherein the accounts of the seller are virtual main accounts which are created by the account separation management platform for the seller at the account opening platform and are used for cash-out.
5. 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 ledger method of any one of claims 1 to 2.
6. A computer readable storage medium, characterized in that the storage medium has stored thereon a computer program which, when executed by a processor, performs the steps of the online payment ledger method according to any one of claims 1 to 2.
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