CN113643026A - Settlement system - Google Patents
Settlement system Download PDFInfo
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- CN113643026A CN113643026A CN202111004924.5A CN202111004924A CN113643026A CN 113643026 A CN113643026 A CN 113643026A CN 202111004924 A CN202111004924 A CN 202111004924A CN 113643026 A CN113643026 A CN 113643026A
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- 201000010099 disease Diseases 0.000 claims abstract description 4
- 208000037265 diseases, disorders, signs and symptoms Diseases 0.000 claims abstract description 4
- 238000000034 method Methods 0.000 claims description 3
- 230000004075 alteration Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
- 229910052737 gold Inorganic materials 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The invention discloses a settlement system, which comprises an information recording unit and a settlement unit, wherein the signal recording unit consists of account information and payment records, the settlement unit consists of real-time settlement, point presentation and point exchange, the information recording unit is used for recording and storing various information provided by the settlement system, the settlement unit is used for performing settlement processing on the information provided by the settlement system, and the account information is used for acquiring corresponding account information in the information of the disease record information recording unit, and the settlement system has the advantages that: by adding the information recording unit, different information of settlement is stored and processed, by adding the account information, the account information of the settlement data is recorded and processed, by adding the payment record, different payment information is stored and processed, and by adding the real-time settlement, real-time settlement of merchants and promoters is realized.
Description
Technical Field
The invention relates to the field of internet software, in particular to a settlement system.
Background
The settlement is to clear each economic income and expenditure in one period, the settlement is realized by cash settlement and non-cash settlement, and the Internet software is compared with the traditional enterprise internal software system, and is remarkably characterized by the Internet characteristic of the software, and the software system is a public platform deployed on the Internet. The internet software aims at the characteristics of the internet, the expandability of the internet software is emphatically considered in the design of a system architecture so as to meet the bottleneck of an internet platform caused by the increase of access users, in the existing internet settlement system, settlement modes such as t +3 are mostly adopted, real-time settlement cannot be carried out, the platform intercepts funds, forms a fund pool, realizes finance and gradually breaks away from the original purpose of life service, and meanwhile, the settlement system has no credit system and lacks the credit exchange and giving function, and meanwhile, the platform cannot be exchanged by other merchants.
Disclosure of Invention
The present invention is directed to a settlement system to solve the problems set forth in the background art.
In order to achieve the purpose, the invention provides the following technical scheme: a settlement system comprises an information recording unit and a settlement unit, wherein the signal recording unit consists of account information and payment records, and the settlement unit consists of real-time settlement, point presentation and point exchange;
the information recording unit is used for recording and storing various information provided by the calculation system;
the settlement unit is used for performing settlement processing on the information provided by the settlement system;
the account information is used for acquiring corresponding account information in the information of the disease record information recording unit;
the payment record is used for recording and storing the payment information of the information in the information recording unit;
real-time settlement for real-time calculation processing of data information collected in the settlement unit;
the point presentation device is used for calculating points held by different persons and carrying out corresponding presentation processing;
and point exchange for carrying out gift exchange service of other platforms on the owned points of the settlement data.
As a preferred embodiment of the present invention: the real-time settlement comprises merchant settlement and a promoter, wherein the merchant settlement is used for performing settlement processing on data which are required by the merchant to be settled in real time, and the promoter is used for processing the data which are required by the promoter to be settled in real time.
As a preferred embodiment of the present invention: the bonus presentation consists of a consumer return commission for deducting a corresponding commission payment from a customer payment to the current customer in accordance with a signing agreement, and a merchant bonus for share bonus the participating merchant from data within the bonus presentation in accordance with the signing agreement.
As a preferred embodiment of the present invention: the account information includes an account name and an account password.
As a preferred embodiment of the present invention: the payment record comprises transaction amount and payment data, wherein the transaction amount is used for storing data of single transaction amount, and the payment data is used for recording and processing fund detail and account type.
As a preferred embodiment of the present invention: the consumer repaying comprises a repaying point query and a point cashing, wherein the repaying point query is used for the consumer to query and process the held points in the account, and the point cashing is used for the consumer to exchange corresponding amounts of the points in the account.
As a preferred embodiment of the present invention: the merchant bonus includes a bonus re-investment and a cash bonus.
As a preferred embodiment of the present invention: the point exchange comprises gift information, point gift exchange and exchange point increase and decrease records, wherein the gift information is used for displaying and processing points with different quantities required by gifts of different platform merchants, the point gift exchange is used for exchanging and processing the gifts which can be exchanged by the different platform merchants by using held points, and the exchange point increase and decrease records are used for calculating and recording increase and decrease points.
Compared with the prior art, the invention has the beneficial effects that: the invention has simple structure, novelty and strong practicability, realizes the storage processing of different settlement information by adding the information recording unit, realizes the record processing of the account information of the settlement data by adding the account information, realizes the storage processing of different payment information by adding the payment record, realizes the real-time settlement of merchants and promoters by adding the real-time settlement, realizes the credit system of the settlement system by adding the credit presentation, realizes the cash return and red sharing processing by adding the credit exchange, realizes the commodity exchange of the credit by adding the credit exchange, and the credit can be exchanged by other merchants on the platform.
Drawings
FIG. 1 is a block diagram of the system of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, the present invention provides a technical solution: a settlement system comprises an information recording unit and a settlement unit, wherein the signal recording unit consists of account information and payment records, and the settlement unit consists of real-time settlement, point presentation and point exchange;
the information recording unit is used for recording and storing various information provided by the calculation system;
the settlement unit is used for performing settlement processing on the information provided by the settlement system;
the account information is used for acquiring corresponding account information in the information of the disease record information recording unit;
the payment record is used for recording and storing the payment information of the information in the information recording unit;
real-time settlement for real-time calculation processing of data information collected in the settlement unit;
the point donation is used for calculating held points of different personnel and performing corresponding commission return processing;
and point exchange for carrying out gift exchange service of other platforms on the owned points of the settlement data.
The real-time settlement comprises merchant settlement and a promoter, wherein the merchant settlement is used for performing settlement processing on data which are required by the merchant and need to be settled in real time, and the promoter is used for processing the data which are required by the promoter and need to be settled in real time.
Wherein the bonus presentation consists of a consumer return commission for deducting a corresponding commission payment from a customer payment to the current customer in accordance with a signing agreement and a merchant bonus for share bonus processing the participating merchants from data within the bonus presentation in accordance with the signing agreement.
The account information comprises an account name and an account password.
The payment record comprises transaction amount and payment data, wherein the transaction amount is used for storing data of single transaction amount, and the payment data is used for recording and processing fund detail and account types.
The consumer repaying comprises a repaying point query and a point cashing, wherein the repaying point query is used for the consumer to query and process held points in the account, and the point cashing is used for the consumer to exchange corresponding amounts of points in the account.
Wherein the merchant bonus includes a bonus re-investment and a cash bonus.
The point exchange comprises gift information, point gift exchange and exchange point increase and decrease records, wherein the gift information is used for displaying and processing the required different number points of the gifts of different platform merchants, the point gift exchange is used for exchanging and processing the gifts which can be exchanged by the different platform merchants by using the held points, and the exchange point increase and decrease records are used for calculating and recording increase and decrease points.
In actual use, the settlement system is divided into an information recording unit and a settlement unit, wherein the information recording unit comprises account information and a payment record, the account information comprises an account name and an account password, the payment record comprises a transaction amount and payment data, the transaction amount is used for storing data of single transaction amount, the payment data is used for recording and processing fund detail and account types, the settlement unit comprises real-time settlement, point giving and point exchanging, the real-time settlement is used for carrying out real-time calculation processing on the data information collected in the settlement unit, the real-time settlement comprises merchant settlement and a promoter, the merchant settlement is used for carrying out settlement processing on data which needs real-time settlement by a merchant, the promoter is used for processing the data which needs real-time settlement by the promoter, and the point giving is used for calculating held points of different persons and carrying out corresponding commission returning processing, the point donation comprises a consumer return commission and a merchant dividend, wherein the consumer return commission is used for deducting corresponding commission money from the payment of the customer according to a signing agreement and paying the corresponding commission money to the current customer, the merchant dividend is used for carrying out share dividend treatment on participating merchants from data in the point donation according to the signing agreement, the point exchange is used for carrying out gift exchange service of other platforms on owned points of settlement data, the point exchange comprises gift information, point gift exchange and exchange point increase and decrease records, the gift information is used for displaying and processing points with different quantities required by gifts of different merchants of the platforms, the point gift exchange is used for exchanging gifts which can be exchanged by different merchants of the platforms by using held points, and the exchange point increase and decrease records are used for calculating and recording the increase and decrease points.
To sum up, this settlement system can reduce the platform and hold back the fund, makes things convenient for trade company's fund in time to put in place, has reduced the platform gold and has melted, is applicable to the trade and promotes.
In the description of the present invention, it is to be understood that the terms "coaxial", "bottom", "one end", "top", "middle", "other end", "upper", "one side", "top", "inner", "front", "center", "both ends", and the like, indicate orientations or positional relationships based on those shown in the drawings, and are only for convenience of description and simplicity of description, and do not indicate or imply that the referenced device or element must have a particular orientation, be constructed and operated in a particular orientation, and thus, are not to be construed as limiting the present invention.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (8)
1. A settlement system is characterized by comprising an information recording unit and a settlement unit, wherein the signal recording unit consists of account information and payment records, and the settlement unit consists of real-time settlement, point presentation and point exchange;
the information recording unit is used for recording and storing various information provided by the calculation system;
the settlement unit is used for performing settlement processing on the information provided by the settlement system;
the account information is used for acquiring corresponding account information in the information of the disease record information recording unit;
the payment record is used for recording and storing the payment information of the information in the information recording unit;
real-time settlement for real-time calculation processing of data information collected in the settlement unit;
the point donation is used for calculating held points of different personnel and performing corresponding commission return processing;
and point exchange for carrying out gift exchange service of other platforms on the owned points of the settlement data.
2. A settlement system as claimed in claim 1, wherein: the real-time settlement comprises merchant settlement and a promoter, wherein the merchant settlement is used for performing settlement processing on data which are required by the merchant to be settled in real time, and the promoter is used for processing the data which are required by the promoter to be settled in real time.
3. A settlement system as claimed in claim 1, wherein: the bonus presentation consists of a consumer return commission for deducting a corresponding commission payment from a customer payment to the current customer in accordance with a signing agreement, and a merchant bonus for share bonus the participating merchant from data within the bonus presentation in accordance with the signing agreement.
4. A settlement system as claimed in claim 1, wherein: the account information includes an account name and an account password.
5. A settlement system as claimed in claim 1, wherein: the payment record comprises transaction amount and payment data, wherein the transaction amount is used for storing data of single transaction amount, and the payment data is used for recording and processing fund detail and account type.
6. A settlement system as claimed in claim 3, wherein: the consumer repaying comprises a repaying point query and a point cashing, wherein the repaying point query is used for the consumer to query and process the held points in the account, and the point cashing is used for the consumer to exchange corresponding amounts of the points in the account.
7. A settlement system as claimed in claim 3, wherein: the merchant bonus includes a bonus re-investment and a cash bonus.
8. A settlement system as claimed in claim 1, wherein: the point exchange comprises gift information, point gift exchange and exchange point increase and decrease records, wherein the gift information is used for displaying and processing points with different quantities required by gifts of different platform merchants, the point gift exchange is used for exchanging and processing the gifts which can be exchanged by the different platform merchants by using held points, and the exchange point increase and decrease records are used for calculating and recording increase and decrease points.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111004924.5A CN113643026A (en) | 2021-08-30 | 2021-08-30 | Settlement system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111004924.5A CN113643026A (en) | 2021-08-30 | 2021-08-30 | Settlement system |
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| Publication Number | Publication Date |
|---|---|
| CN113643026A true CN113643026A (en) | 2021-11-12 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111004924.5A Pending CN113643026A (en) | 2021-08-30 | 2021-08-30 | Settlement system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114691699A (en) * | 2022-06-02 | 2022-07-01 | 上海金仕达软件科技有限公司 | Intelligent settlement method and system |
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| CN103996132A (en) * | 2014-05-30 | 2014-08-20 | 福州信诺通信息技术有限公司 | Wedding celebration information service system based on mobile internet |
| CN106875227A (en) * | 2017-02-25 | 2017-06-20 | 张元康 | A kind of Xian Xia shops rebate system based on IOS and Android |
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| CN109559159A (en) * | 2018-11-07 | 2019-04-02 | 南京积生活电子商务有限公司 | A kind of integral method of payment and its system |
-
2021
- 2021-08-30 CN CN202111004924.5A patent/CN113643026A/en active Pending
Patent Citations (6)
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| US20100057553A1 (en) * | 2008-09-04 | 2010-03-04 | Michael Ameiss | System and Method for Performing a Real Time Redemption Transaction by Leveraging a Payment Network |
| CN103679490A (en) * | 2012-09-11 | 2014-03-26 | 深圳市财付通科技有限公司 | Data processing method and data processing device |
| CN103996132A (en) * | 2014-05-30 | 2014-08-20 | 福州信诺通信息技术有限公司 | Wedding celebration information service system based on mobile internet |
| CN106875227A (en) * | 2017-02-25 | 2017-06-20 | 张元康 | A kind of Xian Xia shops rebate system based on IOS and Android |
| CN108876451A (en) * | 2018-06-13 | 2018-11-23 | 成都亿团兑科技有限公司 | A kind of spending amount is exchanged into the system and method that integral reuses |
| CN109559159A (en) * | 2018-11-07 | 2019-04-02 | 南京积生活电子商务有限公司 | A kind of integral method of payment and its system |
Non-Patent Citations (1)
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| 李超 等: ""基于区块链技术的数字积分交易系统设计与实现"" * |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114691699A (en) * | 2022-06-02 | 2022-07-01 | 上海金仕达软件科技有限公司 | Intelligent settlement method and system |
| CN114691699B (en) * | 2022-06-02 | 2022-09-16 | 上海金仕达软件科技有限公司 | Intelligent settlement method and system |
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Application publication date: 20211112 |