CN114663079A

CN114663079A - Settlement method, terminal, storage medium and program product

Info

Publication number: CN114663079A
Application number: CN202210295848.6A
Authority: CN
Inventors: 方林建; 李剑; 蔡晓敏
Original assignee: Alibaba Cloud Computing Ltd
Current assignee: Alibaba Cloud Computing Ltd
Priority date: 2022-03-23
Filing date: 2022-03-23
Publication date: 2022-06-24

Abstract

The application provides a settlement method, a terminal, a storage medium and a program product, aiming at an application scene of customer account settlement, the method comprises the following steps: analyzing the settlement request to obtain at least one customer account; determining a target customer according to the at least one customer account, and acquiring a settlement corresponding relation of the target customer, wherein the settlement corresponding relation is used for describing the corresponding relation between the customer account of the target customer and a settlement account; determining at least one target settlement account according to the settlement correspondence and the at least one customer account number; and settling the at least one target settlement account according to the cost to be settled of the at least one client account, and improving the flexibility of settlement modes, supporting diversified settlement requirements of clients and improving the client experience by the self-adaptive configuration of the corresponding relation between the client account and the settlement account.

Description

Settlement method, terminal, storage medium and program product

Technical Field

The present application relates to the field of account settlement technologies, and in particular, to a settlement method, a terminal, a storage medium, and a program product.

Background

With the rapid development of electronic commerce, account transactions based on the internet are more and more, and account fund balance settlement is more and more frequent. Generally, each time a settlement request is generated, the balance of the relevant account needs to be changed and an account change record is generated.

After the customer accounts on the system, the system settles each transaction of the customer, such as the settlement of purchasing goods or services, the settlement of collecting money by a supplier and the like, by taking the account as a unit. When the organizational structure of the client is complex, such as a group, an enterprise, and other large clients, the client needs to register a plurality of account numbers on the system to perform transaction settlement for each account number. The settlement mode taking the account number as the main body is adopted, so that the settlement flexibility is poor, and the requirements of large customers cannot be met.

Disclosure of Invention

The application provides a settlement method, a terminal, a storage medium and a program product, which enable a customer to realize a flexible settlement mode by configuring the use relationship between the account number and the account corresponding to the customer through the setting of the account number and the account.

In a first aspect, the present application provides a settlement method comprising:

analyzing the settlement request to obtain at least one customer account;

determining a target customer according to the at least one customer account, and acquiring a settlement corresponding relation of the target customer, wherein the settlement corresponding relation is used for describing the corresponding relation between the customer account of the target customer and a settlement account;

determining at least one target settlement account according to the settlement corresponding relation and the at least one customer account number;

and settling the at least one target settlement account according to the cost to be settled of the at least one client account.

In a second aspect, the present application provides another settlement method, which is applied to a cloud computing system, where the cloud computing system includes a cloud computing server, a charging terminal, and a settlement terminal, and is executed by the settlement terminal, where the method includes:

acquiring a settlement request, wherein the settlement request comprises at least one customer account number using cloud computing server resources within a set time period;

analyzing the settlement request to obtain the at least one customer account;

and settling the at least one target settlement account according to the charges to be settled of the at least one client account, wherein the charges to be settled of the at least one client account comprise the charges of the orders to be settled of the at least one client account, and the charge of each order to be settled is determined by a charging terminal.

In a third aspect, the present application provides a settlement apparatus comprising:

the request analysis module is used for analyzing the settlement request to obtain at least one customer account;

the system comprises a corresponding relation acquisition module, a settlement acquisition module and a settlement processing module, wherein the corresponding relation acquisition module is used for determining a target customer according to at least one customer account and acquiring a settlement corresponding relation of the target customer, and the settlement corresponding relation is used for describing the corresponding relation between the customer account and a settlement account of the target customer;

the settlement account determining module is used for determining at least one target settlement account according to the settlement corresponding relation and the at least one customer account number;

and the settlement module is used for settling the at least one target settlement account according to the cost to be settled of the at least one client account.

In a fourth aspect, the present application provides a settlement terminal comprising:

a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes the computer-executable instructions stored in the memory to implement the settlement method provided by the first aspect or the second aspect of the present application.

In a fifth aspect, the present application provides a cloud computing system, including a cloud computing server, a charging terminal, and a settlement terminal; the cloud computing server is used for providing cloud computing resources; the charging terminal is used for determining the fee to be settled of the order to be settled; the settlement terminal is the settlement terminal provided by the fourth aspect of the present application.

In a sixth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions for implementing the settlement method provided in the first or second aspect of the present application when executed by a processor.

In a seventh aspect, the present application provides a computer program product comprising a computer program which, when executed by a processor, implements the settlement method provided in the first or second aspect of the present application.

According to the settlement method, the terminal, the storage medium and the program product, one or more client accounts are obtained by analyzing the settlement request of the target client, and the target client is determined based on the obtained client accounts; the method comprises the steps of determining a target settlement account for settlement based on the settlement corresponding relation of the target customer and the obtained customer account number, so that one or more target settlement accounts are settled based on the cost to be settled of the obtained customer account number, and the settlement relation is set by the account number and the account, so that the user can realize diversified settlement modes by pre-configuring the corresponding relation between the account number and the account, namely the settlement relation, thereby improving the settlement flexibility, meeting the settlement requirements of customers with various organizational architectures and improving the settlement application range.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and together with the description, serve to explain the principles of the application.

Fig. 1 is a schematic diagram of an application scenario according to an embodiment of the present application;

fig. 2 is a schematic flow chart of a settlement method according to an embodiment of the present application;

fig. 3 is a schematic flow chart of a settlement method according to another embodiment of the present application;

FIG. 4 is a schematic diagram of a settlement account model provided in one embodiment of the present application;

FIG. 5 is a schematic flowchart illustrating step S306 in the embodiment shown in FIG. 3;

fig. 6 is a schematic flow chart of a settlement method according to another embodiment of the present application;

fig. 7 is a schematic structural diagram of a settlement terminal according to an embodiment of the present application.

With the above figures, there are shown specific embodiments of the present application, which will be described in more detail below. These drawings and written description are not intended to limit the scope of the inventive concepts in any manner, but rather to illustrate the inventive concepts to those skilled in the art by reference to specific embodiments.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

The method provided by the application can be suitable for transaction settlement of various application scenes, such as transaction settlement of virtual resources, settlement of electricity fees, water fees, gas fees, bus fees, express fees, lease fees and the like, transaction settlement of an online shopping platform and the like.

In a virtual resource transaction settlement scenario, such as cloud computing, digital currency, network services, etc., a target client may purchase virtual resources through one or more registered client accounts, may initiate a settlement request based on the virtual resources purchased by the one or more client accounts, and a settlement terminal of a provider of the virtual resources receives the settlement request and settles one or more settlement accounts under the name of the target client based on the settlement request.

In the embodiment of the present application, one customer may correspond to one or more customer accounts, and one customer may correspond to one or more settlement accounts. The customer account number and settlement account for the same customer may be in a one-to-many, many-to-one, or many-to-many relationship.

In an exemplary scenario of cloud computing resource settlement, the present application provides a settlement method, including:

acquiring a settlement request, wherein the settlement request comprises at least one customer account number using cloud computing server resources within a set time period; analyzing the settlement request to obtain the at least one customer account; determining a target customer according to the at least one customer account, and acquiring a settlement corresponding relation of the target customer, wherein the settlement corresponding relation is used for describing the corresponding relation between the customer account of the target customer and a settlement account; determining at least one target settlement account according to the settlement corresponding relation and the at least one customer account number; and settling the at least one target settlement account according to the cost to be settled of the at least one client account.

The cost to be settled of the at least one client account comprises the cost of the order to be settled of the at least one client account, and the cost of each order to be settled is determined by the charging terminal.

In an exemplary scenario of settlement of a network service, the present application provides a settlement method, including:

acquiring a settlement request, wherein the settlement request comprises at least one customer account number using network services of an operator within a set time period; analyzing the settlement request to obtain the at least one customer account; determining a target customer according to the at least one customer account, and acquiring a settlement corresponding relation of the target customer, wherein the settlement corresponding relation is used for describing the corresponding relation between the customer account of the target customer and a settlement account; determining at least one target settlement account according to the settlement corresponding relation and the at least one customer account number; and settling the at least one target settlement account according to the to-be-settled fee of the at least one customer account.

Under the settlement scene of electric charge, water charge, gas charge, car charge, express charge, lease charge and the like, a target client can use corresponding resources through one or more client account numbers, a settlement request is initiated based on one or more transactions under one or more client account numbers, and a settlement terminal of a supplier of the corresponding resources receives the settlement request and settles one or more settlement accounts under the name of the target client based on the settlement request.

In an exemplary scenario of electric charge settlement, the present application provides a settlement method, including:

acquiring an electric charge settlement request, wherein the electric charge settlement request comprises at least one customer account number for using electricity within a set time period; analyzing the electric charge settlement request to obtain the at least one customer account; determining a target customer according to the at least one customer account, and acquiring a settlement corresponding relation of the target customer, wherein the settlement corresponding relation is used for describing the corresponding relation between the customer account of the target customer and a settlement account; determining at least one target settlement account according to the settlement corresponding relation and the at least one customer account number; and settling the at least one target settlement account according to the electricity charge to be settled of the at least one customer account.

In the settlement scene of online shopping, a target client can perform online shopping through one or more client accounts, a settlement request is initiated based on one or more transactions under the name of one or more client accounts, and a settlement terminal receives the settlement request and settles one or more settlement accounts under the name of the target client based on the settlement request.

In an exemplary scenario of settlement of online shopping, the present application provides a settlement method, including:

acquiring a shopping settlement request, wherein the settlement request comprises at least one customer account number for purchasing commodities within a set time period; analyzing the shopping settlement request to obtain at least one customer account; determining a target customer according to the at least one customer account, and acquiring a settlement corresponding relation of the target customer, wherein the settlement corresponding relation is used for describing the corresponding relation between the customer account of the target customer and a settlement account; determining at least one target settlement account according to the settlement corresponding relation and the at least one customer account number; and settling the at least one target settlement account according to the cost to be settled of the at least one client account.

Fig. 1 is a schematic diagram of an application scenario according to an embodiment of the present application, as shown in fig. 1, a client or a user logs in a transaction platform (such as transaction software, a transaction applet, a website, and the like) on a user terminal 102 based on a registered account, and after the login is successful, resource purchasing is performed on the transaction platform, where entity resources such as clothes, electronic devices, and virtual resources such as cloud computing resources, services, and electronic money are performed to generate a transaction, and each transaction is recorded under the registered account of the user. The settlement terminal 104 of the service provider or the supplier can settle the unpaid transactions of the registered account according to a set period or actively triggered by the user, update the balance of the registered account and feed the settlement result back to the user terminal 102.

The method for carrying out client settlement based on one account entity has the defects that for enterprise-level clients with complex organizational structures, such as a company comprising a plurality of subsidiaries or a company comprising a plurality of departments, the condition of expense mixed settlement among different subsidiaries, different departments, or different roles and different services of the clients exists, the settlement flexibility is extremely poor, account management is disordered, and certain management risks are generated.

In order to realize separate settlement between different sub-companies or different departments, a client account number, such as user01 to user03 in fig. 1, can be configured for each department or sub-company, so as to realize separate settlement for the cost of each department or each sub-company.

By setting a plurality of account numbers to carry out independent settlement, the settlement management cost is higher, the settlement flexibility is still lower, a plurality of departments or a plurality of subsidiaries cannot be integrated to carry out settlement, a client can possibly not enjoy a discount strategy of the fulfillment achievement amount, and the difficulty is increased for the operation and maintenance of the client account numbers.

In order to improve the flexibility of customer fee settlement, an embodiment of the present application provides a settlement method, where two attributes, namely a customer account and a settlement account, are configured for a customer, when a settlement request is received, a target customer is determined through one or more customer accounts corresponding to the settlement request, a settlement account corresponding to the customer account in the settlement request is determined based on a settlement relationship pre-configured by the target customer, that is, one or more target settlement accounts are determined, and a settlement is performed on the one or more target settlement accounts based on a fee to be settled corresponding to the customer account in the settlement request, so that a user can realize a flexible fee settlement manner by flexibly configuring a corresponding relationship between the settlement account and the customer account, that is, a settlement relationship.

The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. These several specific embodiments may be combined with each other below, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.

Fig. 2 is a schematic flowchart of a settlement method provided in an embodiment of the present application, which is applied to a settlement terminal and can be executed by a processor of the settlement terminal, where the settlement terminal is any electronic device having a data processing function, such as the settlement terminal 104 described above.

As shown in fig. 2, the settlement method includes the steps of:

step S201, parsing the settlement request to obtain at least one customer account.

Each customer account corresponds to a unique account identifier. One customer may correspond to one or more customer accounts, i.e. one customer may register or apply for one or more customer accounts in the system.

Specifically, the settlement request may be issued by the target client through the user terminal. For example, the relevant responsible person of the target client selects one or more client accounts needing to be settled through the request issuing page, generates a settlement request based on the one or more client accounts needing to be settled, and issues the settlement request to a settlement terminal of the system. The settlement request can also be automatically issued by the system, such as a request generation terminal and an order management terminal of the system, and the settlement request is automatically generated according to a mode set or selected by a target customer and sent to the settlement terminal of the system. After receiving the settlement request, the settlement terminal analyzes the settlement request to obtain one or more client accounts in the settlement request.

In one embodiment, the settlement request may be generated based on order base information for at least one order to be settled under one or more customer account names of the target customer. By analyzing the settlement request of the target customer, the order basic information of each order to be settled under at least one customer account and at least one customer account name can be obtained.

The order basic information may include a transaction amount, and may further include one or more of a transaction time, a transaction type, a transaction object, a transaction terminal, and a payment channel. The order to be settled to which the settlement request corresponds may be a transaction made within the past seven days, one month, three months, one year, or other time period.

The transaction time is used for representing the time when the transaction occurs; the transaction type is used for characterizing the type of the transaction, and can be classified into a payment type and a collection type based on the flow direction of funds, and can be classified into a refund type, a recharge type, a consumption type and the like based on the business of the transaction. The transaction object is an object for deducting or collecting money, and can be a bank card number, a mobile phone number and the like. The transaction terminal is a terminal that generates a settlement request, such as a user terminal that may be a target customer.

Specifically, the target client logs in a client account on a preset program or a preset page of the user terminal, after the login is successful, the resource is purchased, and an order to be settled is generated based on the purchase record. The target customer may set a settlement mode, such as settlement in a fixed period, a fixed amount, or active triggering. And at each settlement node, the system generates a settlement request according to the to-be-settled orders corresponding to one or more customer accounts of the target customer and sends the settlement request to a settlement terminal. After the order to be settled is settled, the order to be settled is converted into a paid transaction or a settled transaction.

Specifically, the target client can generate a settlement request based on one or more to-be-settled orders through the user terminal, and send the settlement request to the settlement terminal. Wherein, a transaction may correspond to one or more customer account numbers. The settlement terminal analyzes the settlement request to obtain at least one order to be settled and at least one customer account number to be settled.

For example, taking a target customer as an internet enterprise as an example, an order to be settled in a month in a research and development department of the internet enterprise needs to be settled, where the research and development department corresponds to 3 customer account numbers, such as: RD01, RD02, and RD03, then a settlement request may be generated based on the 3 customer accounts' last month pending settlement orders at 10 a month. Or the settlement request can be generated when the amount of the order to be settled of the 3 customer accounts is greater than or equal to 100 ten thousand. The operation and maintenance department of the internet company corresponds to 1 customer account, that is, OM01, and if one of the projects of the internet enterprise corresponds to customer accounts RD01 and OM01, at any node of the project, a settlement request may be generated based on the current order to be settled of the customer accounts RD01 and OM01, or a settlement request may be generated based on the order to be settled of the customer accounts RD01 and OM01 within a set time period.

Specifically, the target client may purchase or use resources of the system, such as cloud computing resources, entity goods, and the like, through a client account logged in by the user terminal, and the charging terminal or the user terminal charges based on the resources purchased or used by the target client to obtain the to-be-settled fee of the transaction, thereby obtaining an order to be settled. And generating and issuing a settlement request to a settlement terminal of the system based on one or more to-be-settled orders corresponding to one or more customer accounts of the target customer so as to settle the to-be-settled orders.

And if the settlement request specifies a settlement account for performing settlement of at least one customer account, directly determining each settlement account in the settlement request as a target settlement account. If the settlement request does not include the settlement account, the target settlement account is determined based on the target settlement account determination method provided by any embodiment of the application.

Step S202, according to the at least one customer account, determining a target customer and obtaining a settlement corresponding relation of the target customer.

And the settlement corresponding relation is used for describing the corresponding relation between the client account number of the target client and the settlement account.

Specifically, the target customer may be determined according to the corresponding relationship between the customer and the customer account and any one or more customer accounts corresponding to the settlement request.

Specifically, the settlement correspondence of the target client may be determined from the settlement correspondence list based on a client identifier of the target client, such as a client name, a client code, and the like.

Step S203, determining at least one target settlement account according to the settlement corresponding relation and the at least one customer account number.

The settlement account and the customer account number have different attributes set for the system, the settlement account is used for settlement of transactions or orders, and the customer account number is used for limiting the settlement range.

Specifically, one or more target settlement accounts for settlement may be determined according to the corresponding customer account number and the settlement correspondence in the settlement request.

In one embodiment, a set of target settlement accounts corresponding to various client account combinations under the name of a target client may be defined in the settlement correspondence, so that a set of target settlement accounts corresponding to the client account combination corresponding to the settlement request is searched from the settlement correspondence based on each client account in the settlement request.

Illustratively, table 1 is a settlement correspondence table of a client a provided in the embodiment of the present application, where 2 client accounts exist under the name of a target client a: user01 and User02, and 3 settlement accounts: acc01, Acc02, and Acc 03. The customer account of customer A corresponds to the customer account combination of 3, User01, User02, and User01+ User 02. Each customer account number combination corresponds to a set of settlement accounts, and then a set of settlement accounts for performing settlement of the customer account number corresponding to the settlement request, that is, at least one target settlement account, may be determined based on the settlement correspondence and the composition of one or more customer account numbers corresponding to the settlement request. Taking the settlement requests corresponding to User01 and User02 as an example, the target settlement accounts are Acc01 and Acc 02.

TABLE 1A Settlement correspondences table for customers

Customer account number	Settling accounts
		User01	Acc01
User02	Acc01、Acc02
		User01、User02	Acc01、Acc03

In one embodiment, the settlement correspondence is used to describe the restriction conditions of the attributes of the settlement account for each customer account number corresponding to the same target customer. At least one target settlement account can be determined from the plurality of settlement accounts of the corresponding target customer based on the limit condition of the attribute of the settlement account of each customer account corresponding to the settlement request in the settlement correspondence.

The attributes of the settlement account may include one or more of account priority, account type, account status, creation time, settlement currency, settlement path, account balance, and the like.

Illustratively, the account types may include a collection type, a payment type, a subscription type, a deposit type, a consumption type, and the like. The account status may include an active status, a suspended status, a closed status, and the like. The settlement path is used to describe a path through which funds pass at the time of settlement, and may be determined by a bank card number, a money fund, and the like of the settlement.

Further, at least one target settlement account can be determined according to the priority of the settlement accounts, the settlement correspondence and the client account number corresponding to the settlement request, and the settlement account with the high priority is preferentially determined as the target settlement account.

Specifically, settlement accounts usable by the respective customer accounts may be determined based on the settlement correspondence and the respective customer accounts corresponding to the settlement request, a settlement account set may be formed by the settlement accounts usable by the respective customer accounts, the settlement accounts in the settlement account set may be sorted based on the settlement priority of the settlement accounts, and one or more target settlement accounts may be determined based on the sorting result.

Step S204, the at least one target settlement account is settled according to the expense to be settled of the at least one customer account.

The fee to be settled of the at least one client account can be obtained through the parsing operation of step S201 in the settlement request in which the fee to be settled of the at least one client account is set.

Specifically, the to-be-settled order of each customer account in the at least one customer account within the set time period may be obtained, and the sum of the fees of each to-be-settled order corresponding to the at least one customer account within the set time period is the to-be-settled fee of the at least one customer account. The set time period may be specified by the target customer, or may be automatically configured for the system, such as may be a fixed time interval, such as a month, 15 days, 7 days, daily, or other time interval.

Specifically, when a plurality of target settlement accounts are provided, the settlement amount of each target settlement account can be determined according to the to-be-settled fee of at least one customer account, and the target settlement account is settled based on the settlement amount of the target settlement account for each target settlement account.

Further, when a plurality of target settlement accounts are available, the settlement proportion of each target settlement account can be obtained first, and the settlement amount of each target settlement account is determined based on the settlement proportion and the expense to be settled of at least one customer account; and for each target settlement account, settling the target settlement account based on the settlement amount corresponding to the target settlement account. The sum of the settlement amounts of the respective target settlement accounts is equal to the charge to be settled.

Specifically, the settlement proportion of each target settlement account may be determined according to one or more of the priority, the account balance, the account type, the settlement frequency, and the like of the target settlement account. The higher the priority and the more the account balance, the larger the corresponding settlement proportion.

Specifically, the related responsible person of the target client may specify the settlement ratio of each target settlement account when the target settlement accounts are settled in combination.

Further, the settlement score of the target settlement account can be calculated according to one or more items of account information such as the priority, the account balance, the account type and the settlement frequency of the target settlement account; and determining the settlement proportion of each target settlement account according to the settlement score of each target settlement account.

For example, the settlement proportion of each target settlement account may be determined according to the connection ratio of the settlement scores of each target settlement account.

Specifically, the settlement proportion of each target settlement account may be determined by recording a difference between the settlement score of each target settlement account and the average value of the settlement scores as a first difference.

Specifically, the settlement proportion of each target settlement account may be determined according to the connection ratio of the first sum corresponding to each target settlement account. The first sum is the sum of a first difference corresponding to the target settlement account and a preset score, and the preset score may be the maximum value of the settlement score or the difference between the full value and the average value of the settlement score.

For example, taking 3 target settlement accounts as an example, the settlement scores are 70, 80 and 90 respectively, and the maximum value or the full score of the settlement scores is 100, then the settlement proportion of the 3 target settlement accounts may be (70-80+ 100-80): (80-80+100-80): (90-80+100-80) ═ 1: 2: 3.

specifically, a gain coefficient of each target settlement account may be determined according to the transaction time, a settlement proportion of each target settlement account may be determined based on the gain coefficient and account information of the target settlement account, a settlement amount of each target settlement account may be determined based on the settlement proportion and a to-be-settled fee of at least one customer account in the settlement request, and the target settlement account may be settled based on the settlement amount corresponding to the target settlement account.

Further, the settlement score of each target settlement account may be updated based on the gain coefficient of each target settlement account, and the settlement proportion of each target settlement account may be determined based on the updated settlement score.

Illustratively, the settlement score may be updated as a product of the gain factor and the settlement score.

In the settlement method provided by this embodiment, one or more client accounts are obtained by analyzing a settlement request of a target client, and the target client is determined based on the obtained client accounts; the method comprises the steps of determining a target settlement account for settlement based on the settlement corresponding relation of the target customer and the obtained customer account number, so that one or more target settlement accounts are settled based on the cost to be settled of the obtained customer account number, and the settlement relation is set by the account number and the account, so that the user can realize diversified settlement modes by pre-configuring the corresponding relation between the account number and the account, namely the settlement relation, thereby improving the settlement flexibility, meeting the settlement requirements of customers with various organizational architectures and improving the settlement application range.

Optionally, the method further includes:

acquiring an order to be settled of the at least one customer account according to a set period; and generating a settlement request according to the order to be settled of the at least one customer account.

The setting period may be manually set by a person in charge of the target client, or may be stored in the settlement configuration information corresponding to the target client, and the setting period corresponding to the target client is determined by reading the settlement configuration information of the target client.

Specifically, each to-be-settled order of at least one customer account of the target customer in a period corresponding to the settlement node can be acquired at each settlement node according to a set period based on the settlement configuration information of the target customer; and generating a settlement request of the target client based on each order to be settled of the at least one client account.

In the settlement configuration information, settlement periods, that is, set periods, may be set for each customer account of the target customer, the customer accounts of the target customer having the same set period are in one group, and in the settlement node corresponding to each set period, a settlement request is generated based on the to-be-settled orders of the group of customer accounts corresponding to the set period.

The target client adjusts the settlement period of each client account by updating the settlement configuration information, thereby realizing the flexible settlement of the client account.

For example, taking 10 customer accounts corresponding to the name of the target customer, i.e., the customer accounts u001 to u010, the 10 customer accounts may be divided into 3 groups, the first group has a set period (or settlement period) of 10 days and includes the customer accounts u001, u002 and u009, the second group has a set period of 30 days and includes the customer accounts u003 to u008, and the third group has a set period of 1 day and includes the customer account u 010.

Through the flexible setting of the customer account settlement period, the settlement request is triggered automatically according to different periods and based on the order to be settled of the customer account under the name of the customer, and the automation degree and flexibility of account settlement are improved.

Optionally, the method further includes:

and when detecting that the order to be settled of at least one customer account number of the target customer meets the settlement condition, generating a settlement request according to the order to be settled meeting the settlement condition.

One order to be settled may correspond to one or more customer accounts under the name of a target customer. The settlement conditions are determined by settlement configuration information of the corresponding target client. The settlement configuration information may include the above-described settlement relationship, and may further include a settlement condition. When the order to be settled under the name of the target customer meets the set settlement condition, a settlement request is generated based on the order to be settled meeting the set settlement condition. Each order to be settled may correspond to one or more customer account numbers.

For example, the settlement condition may be that the number of the order to be settled is greater than a preset number, or the expense to be settled corresponding to the order to be settled is greater than a preset amount, or may be that the creating time or the generating time of the latest order to be settled is greater than a preset time interval.

Specifically, the relevant person in charge of the target customer may configure a newly added order on the order placement page by logging in one of the customer accounts of the target customer, and associate one or more other customer accounts with the order to be settled, so that the newly added order corresponds to a plurality of customer accounts. Each customer account number associated with the newly added order can configure the order to be settled, after the configuration is completed, the order to be settled corresponding to the plurality of customer account numbers is obtained, and when one or more orders to be settled meet the settlement condition, a settlement request is generated based on the one or more orders to be settled. At the same time, the order to be settled can also be sent to the order taking device or the central server of the system to allocate resources for the order to be settled.

Specifically, the order to be settled of each client account under the name of the target client can be monitored in real time, and if the current order to be settled of the target client meets the settlement condition, the settlement request is generated based on the order number of each current order to be settled. Or generating a settlement request based on the client account number and the expense to be settled corresponding to each current order to be settled.

After generating a settlement request based on the order number of each current order to be settled, parsing the settlement request to obtain at least one customer account number, including:

analyzing the settlement request to obtain an order number of at least one order to be settled; and determining a client account and a fee to be settled corresponding to the at least one order to be settled according to the order number of the at least one order to be settled.

The settlement request is automatically generated based on one or more orders to be settled meeting the settlement conditions through the preset settlement conditions, the efficiency of generating the settlement request is improved, and the flexibility of the settlement mode is improved through the self-adaptive configuration of the settlement conditions.

Fig. 3 is a schematic flow chart of a settlement method according to another embodiment of the present application, where this embodiment is a step of further refining step S203 and step S204 based on the embodiment shown in fig. 2, and a step of adding settlement configuration information configuration before step S201, and as shown in fig. 3, the settlement method according to this embodiment may include the following steps:

step S301, generating a settlement configuration page according to at least one customer account registered by each customer, so as to obtain settlement configuration information of each customer through the settlement configuration page.

Specifically, for each client, individual client or business client, the respective client account number under the name of the client may be displayed on the settlement configuration page. The customer can set the settlement relationship on the settlement configuration page, that is, configure a corresponding settlement account for each customer account number or each customer account number combination. The client can also configure the settlement conditions on a settlement configuration page.

Specifically, the customer can register each customer account under his name through the registration page, and after the account registration is completed, click a preset key, such as a "next step", "complete", or other key, to enter the settlement configuration page.

Specifically, when it is detected that the preset key is clicked, the client account number registered under the client name is acquired, and the settlement configuration page is initialized based on the client account number registered under the client name. The customer can obtain the settlement configuration information of the customer by configuring various items such as the corresponding relation between the customer account and the settlement account, the setting period, the settlement rule and the like on the settlement configuration page, and the settlement configuration information (including the configuration information corresponding to the settlement relation, the setting period and the like) of the settlement configuration page is bound with the customer.

Step S302, according to the settlement configuration information of each client, the settlement relation of each client is determined.

For each customer, the customer's settlement relationship is extracted from the customer's settlement configuration information.

Through the settlement configuration page, the client can flexibly and conveniently configure the settlement relationship between the registered client accounts and the named settlement accounts, and a basis is provided for subsequent account settlement.

In one embodiment, the client may further perform configuration on each settlement account under the name of the client on the settlement configuration page, so as to obtain each settlement account model corresponding to the client, so as to obtain and update the related information of the settlement account based on the settlement account model.

For example, fig. 4 is a schematic structural diagram of a settlement account model provided in an embodiment of the present application, and as shown in fig. 4, attributes in the settlement account model may include account identification, creation time, account status, account type, account priority, and the like, an ledger model may also be set under each settlement account model for storage of settlement records, and one settlement account model may correspond to multiple ledger models for recording different types of funds carried and recording current funds and flow of ledger. The attributes of the ledger model include ledger identification, ledger type, currency, ledger balance, frozen amount, and the like. And a corresponding streamline model is also arranged under the account book model and used for storing the change record of the amount of money, and the attributes of the streamline model comprise a streamline number, a corresponding account book identification, an account book type, a transaction type, a currency, a transaction amount, a post-transaction amount and transaction time.

And the account balance is the account balance of the corresponding settlement account. The transaction types include recharge, refund, consumption, and the like.

The settlement account model can also be bound with a settlement channel and used for maintaining relevant information such as withholding protocol, payment account number or collection account number binding and the like of the settlement channel, and the attributes of the settlement channel comprise a channel identifier, a channel name, currency, an account opening row, an account opening branch, an account opening address, an account opening name, an account opening number, opening time and the like. After the settlement channel sends settlement, such as deduction and collection, recording a corresponding settlement running water, wherein the attributes of the settlement running water comprise a running number, a channel identifier, a channel name, an account opening name, a transaction type, a currency, a transaction amount, transaction time and the like.

Step S303, parsing the received settlement request to obtain at least one customer account.

Step S304, determining a target customer according to the at least one customer account, and acquiring the settlement corresponding relation of the target customer.

Step S305, determining each authorized settlement account from the plurality of settlement accounts corresponding to the target customer according to the settlement correspondence and the at least one customer account.

The authorized settlement account is a settlement account that can be used by the client account in the settlement correspondence, such as a settlement account corresponding to the client account in the settlement correspondence, or a settlement account of a target client that meets a limitation condition corresponding to the client account in the settlement correspondence.

Step S306, determining the at least one target settlement account from the authorized settlement accounts.

Specifically, each account that can be used for performing transaction settlement of the corresponding customer account in the settlement request can be determined based on the settlement relationship according to the corresponding customer account in the settlement request, and is marked as an authorized settlement account, and one or more authorized settlement accounts are selected from the authorized settlement accounts as the target settlement accounts. The finally determined set of customer account numbers corresponding to the at least one target settlement account should be equal to the set of customer account numbers corresponding to the settlement request.

For example, the settlement account with the highest account priority among the authorized settlement accounts may be determined as the target settlement account, or one or more settlement accounts among the authorized settlement accounts that satisfy the transaction amount in the settlement request may be determined as the target settlement account. Or determining one or more authorized settlement accounts as the target settlement accounts from the authorized settlement accounts according to the settlement sequence of the settlement accounts.

For example, the customer may preset a settlement order of each corresponding settlement account, sort each settlement account of the customer based on the settlement order to obtain a settlement account queue, and after one settlement account is determined as a target settlement account and settled successfully, determine the settlement order of the settlement account as a last order, that is, place the settlement account at the end of the settlement account queue.

Specifically, when the number of the customer account numbers is multiple, the authorized settlement account set corresponding to each customer account number may be obtained based on the settlement relationship, and the settlement account corresponding to the intersection of the authorized settlement account sets corresponding to the multiple customer account numbers is determined as the target settlement account.

Illustratively, taking 3 customer account numbers as an example, the 3 customer account numbers respectively correspond to each other in the settlement correspondence relationship: { Acc012, Acc014}, { Acc007, Acc012, Acc014} and { Acc012, Acc017}, i.e. Acc007, Acc012, Acc014 and Acc017 are authorized settlement accounts, it can be determined that the intersection of the above 3 sets is a target settlement account, i.e. Acc012 is a target settlement account.

Specifically, for each authorized settlement account, the account score of the authorized settlement account may be calculated according to the customer account number corresponding to the authorized settlement account and one or more of the account priority, the account balance, and the settlement record of the authorized settlement account, and according to the account score of the authorized settlement account, one or more authorized settlement accounts are determined from the multiple authorized settlement accounts as the target settlement account.

For example, the account score may be positively correlated with the account balance, the account priority, and the number of customer account numbers corresponding to the authorized settlement account. If the customer account number only corresponds to one authorized settlement account, the account score of the authorized settlement account can be directly determined as the highest score.

Specifically, if a client account corresponding to only one authorized settlement account exists, it is determined whether an authorized settlement account corresponding to the client account exists in the determined target settlement accounts, and if not, it is determined that the authorized settlement account corresponding to the client account is the target settlement account. And if the set of the client accounts corresponding to the determined target settlement account is equal to the set of the client accounts corresponding to the settlement request, finishing the determination of the target settlement account. If not, based on the set of the client accounts corresponding to the determined target settlement accounts and the set of the client accounts corresponding to the settlement request, determining one or more authorized settlement accounts as the target settlement accounts from the rest of the authorized settlement accounts, so that the set of the client accounts corresponding to the determined target settlement accounts is equal to the set of the client accounts corresponding to the settlement request, namely, the determined target settlement accounts can be used for settlement of the plurality of client accounts in the settlement request.

Optionally, determining the at least one target settlement account from the respective authorized settlement accounts includes:

determining the at least one target settlement account from the respective authorized settlement accounts based on the account priorities and/or settlement records of the authorized settlement accounts.

The settlement record is used for storing one or more items of settlement time, settlement amount, settlement frequency, next settlement account and previous settlement account when the settlement account settles for each time.

Specifically, the account score of the authorized settlement account may be calculated according to one or more of the corresponding customer account number, account priority, previous settlement account, latest settlement time, settlement frequency, and the like, and one or more authorized settlement accounts having the highest account score and satisfying the settlement requirement of the customer account number in the settlement request may be determined as the target settlement account.

The settlement requirement of the customer account in the settlement request may include a settlement account that can be used by the customer account, so that the set of customer accounts corresponding to the finally determined target settlement account is equal to the set of customer accounts corresponding to the settlement request.

For example, the authorized settlement account with the highest account priority may be preferentially selected as the target settlement account, or the authorized settlement account with the latest settlement time having a time interval longer than the current settlement time may be selected as the target settlement account, or the authorized settlement accounts with the latest settlement accounts may be selected as the target settlement accounts.

The target settlement account for settlement is determined based on one or more items of account priority, settlement records and the like, so that the accuracy of determining the settlement account is improved, and the settlement habit of a client is better met.

Optionally, fig. 5 is a schematic flowchart of the step S306 in the embodiment shown in fig. 3 of the present application, and as shown in fig. 5, the step S306 may include the following steps:

step S501, obtain a first attribute of each to-be-settled order of the at least one customer account.

The first attribute comprises one or more items of a corresponding customer account number, a fee to be settled, a transaction time, a transaction type, a transaction object, a transaction terminal and a settlement channel.

Specifically, the order to be settled may be stored in an order terminal of the system, and the first attribute of each order to be settled of at least one customer account may be acquired from the order terminal through an account identifier of the customer account. The order terminal may store various types of orders by the user, such as an order to be settled, a settlement order, a termination order, and the like.

Step S502, according to the first attribute, at least one target settlement account is determined from the authorized settlement accounts.

Specifically, one or more matching authorized settlement accounts can be determined from the authorized settlement accounts as the target settlement account according to the first attribute of each order to be settled, so as to meet the requirement of each order to be settled on the first attribute.

For example, at least one target settlement account may be determined from the authorized settlement accounts according to the customer account number, the expense to be settled and the settlement channel corresponding to each order to be settled.

For example, at least one target settlement account may be determined from the authorized settlement accounts according to the customer account number, the expense to be settled, the settlement channel and the transaction object corresponding to each order to be settled.

By determining the target settlement account based on the first attribute of the order to be settled, the determined account is ensured to meet the requirement of the order to be settled of the client account in the settlement request, and the accuracy of determining the target settlement account is improved.

And when the target settlement account is one, settling the target settlement account based on the charge to be settled of the at least one client account so as to update the account balance of the target settlement account or update the account model of the target settlement account.

In step S307, when there are a plurality of target settlement accounts, the transaction splitting rules of the plurality of target settlement accounts are acquired.

The transaction splitting rule is used for describing the cost to be settled of at least one customer account or the splitting mode of the order to be settled corresponding to at least one customer account in the settlement request, so that the amount of money to be settled of each target settlement account is obtained through splitting the cost to be settled. The transaction splitting rule may include a settlement proportion of each target settlement account, and may further include an order to be settled corresponding to each target settlement account and an amount of settlement required for each order to be settled.

For example, the transaction splitting rule may be an averaging rule, an adaptive rule, a user-defined rule, and the like, where the averaging rule is to equally split charges to be settled of at least one customer account into each target settlement account, the adaptive rule is to split the charges to be settled of at least one customer account or an order to be settled corresponding to at least one customer account based on an account model or attribute of the target settlement account, and the user-defined rule may be set by the target customer in a user-defined manner based on the determined plurality of target settlement accounts.

Specifically, when there are a plurality of target settlement accounts, the target settlement accounts may be fed back to the user terminal of the target client, and the transaction splitting rules of the target settlement accounts sent by the user terminal may be obtained.

Specifically, the transaction splitting rules may be configured through the settlement configuration page, that is, stored in the settlement configuration information, so that the transaction splitting rules of the plurality of target settlement accounts are obtained through the settlement configuration information corresponding to the target customer and the account identifiers of the plurality of target settlement accounts.

Specifically, the transaction splitting rules of the multiple target settlement accounts may be determined according to account attributes of the multiple target settlement accounts. For example, based on the account score, the account priority, the account balance, etc. of the target settlement accounts, the transaction splitting rules of the plurality of target settlement accounts are determined, that is, the settlement proportion of each target settlement account is determined.

And step S308, obtaining the amount to be settled corresponding to each target settlement account according to the transaction splitting rule and the expense to be settled of the at least one customer account.

Specifically, the fee to be settled is split according to the transaction splitting rule, so that the amount of money to be settled corresponding to each target settlement account is obtained.

Specifically, the order to be settled corresponding to at least one customer account is split according to the transaction splitting rule, so that the order to be settled corresponding to each target settlement account and the amount of money required to be settled for each order to be settled are obtained.

Step S309, for each target settlement account, settling the target settlement account according to the amount to be settled corresponding to the target settlement account.

And the amount to be settled is the amount of payment or income needed by the target settlement account.

And for each target settlement account, settling an account opening number in the target settlement account based on the amount to be settled corresponding to the target settlement account, such as deduction, and updating the account balance of the target settlement account or updating an account model of the target settlement account after the settlement is finished.

Specifically, for each target settlement account, according to the order to be settled corresponding to the target settlement account, a target account book is determined from a plurality of account books of the target settlement account, settlement of the amount to be settled is performed based on the target account book, and the flow of the account books and the settlement flow in the target account book are updated or generated based on the settlement result, such as parameters of a settlement channel, transaction time, the amount to be settled, transaction time and the like.

The settlement method has the advantages that the settlement cost is flexibly split, so that the amount of one or more orders to be settled is flexibly distributed among a plurality of settlement accounts, and the settlement flexibility is further improved.

Fig. 6 is a schematic flowchart of a settlement method according to another embodiment of the present application, which is applied to a cloud computing system including a cloud computing server, a charging terminal, and a settlement terminal, and the method is executed by the settlement terminal.

In one embodiment, the cloud computing system may be a distributed system.

As shown in fig. 6, the settlement method provided by the present embodiment includes the following steps:

step S601, obtaining a settlement request, where the settlement request includes at least one customer account using cloud computing server resources within a set time period.

Step S602, parsing the settlement request to obtain the at least one customer account.

Step S603, determining a target customer according to the at least one customer account, and obtaining a settlement correspondence of the target customer.

Step S604, determining at least one target settlement account according to the settlement correspondence and the at least one customer account number.

Step S605, settling the at least one target settlement account according to the fee to be settled of the at least one customer account.

The embodiment of the application provides a settlement device, and the settlement device comprises: the system comprises a request analysis module, a corresponding relation acquisition module, a settlement account determination module and a settlement module.

The request analysis module is used for analyzing the settlement request to obtain at least one customer account; the corresponding relation acquisition module is used for determining a target customer according to the at least one customer account number and acquiring a settlement corresponding relation of the target customer, wherein the settlement corresponding relation is used for describing the corresponding relation between the customer account number of the target customer and a settlement account; the settlement account determining module is used for determining at least one target settlement account according to the settlement corresponding relation and the at least one customer account number; and the settlement module is used for settling the at least one target settlement account according to the cost to be settled of the at least one client account.

Optionally, the settlement account determining module includes: the authorized account determining unit is used for determining each authorized settlement account from a plurality of settlement accounts corresponding to the target customer according to the settlement corresponding relation and the at least one customer account; and the target account determining unit is used for determining the at least one target settlement account from the various authorized settlement accounts.

Optionally, the target account determining unit is specifically configured to: determining the at least one target settlement account from each authorized settlement account according to the account priority and/or settlement records of the authorized settlement accounts; the settlement record is used for storing one or more items of settlement time, settlement amount, settlement frequency, next settlement account and previous settlement account when the settlement account settles for each time.

Optionally, the target account determining unit is specifically configured to: acquiring a first attribute of each order to be settled of the at least one customer account, wherein the first attribute comprises one or more items of a corresponding customer account, a charge to be settled, transaction time, a transaction type, a transaction object, a transaction terminal and a settlement channel; at least one target settlement account is determined from the individual authorized settlement accounts based on the first attribute.

Optionally, the apparatus further comprises: and the request acquisition module is used for acquiring the settlement request.

Optionally, the request obtaining module is specifically configured to: acquiring an order to be settled of the at least one customer account according to a set period; and generating a settlement request according to the order to be settled of the at least one customer account.

Optionally, the request obtaining module is specifically configured to: when detecting that the order to be settled of at least one client account number of the target client meets the settlement condition, generating a settlement request according to the order to be settled meeting the settlement condition; wherein the settlement condition is determined by settlement configuration information of the corresponding target client.

Optionally, the apparatus further comprises: the configuration page generation module is used for generating a settlement configuration page according to at least one client account number registered by each client so as to acquire settlement configuration information of each client through the settlement configuration page; and the settlement relation determining module is used for determining the settlement relation of each client according to the settlement configuration information of each client.

Optionally, the settlement module is specifically configured to: when a plurality of target settlement accounts are available, acquiring transaction splitting rules of the plurality of target settlement accounts; obtaining the amount to be settled corresponding to each target settlement account according to the transaction splitting rule and the expense to be settled of the at least one customer account; and for each target settlement account, settling the target settlement account according to the amount to be settled corresponding to the target settlement account.

The settlement apparatus provided in the embodiment of the present application may be configured to implement the technical solutions provided in any embodiments corresponding to fig. 2, fig. 3, fig. 5, and fig. 6, and the implementation principle and technical effects are similar, which are not described herein again.

Fig. 7 is a schematic structural diagram of a settlement terminal according to an embodiment of the present application, and as shown in fig. 7, the settlement terminal according to the embodiment includes:

at least one processor 710; and a memory 720 communicatively coupled to the at least one processor; wherein the memory 720 stores computer-executable instructions; the at least one processor 710 executes computer-executable instructions stored by the memory to cause the electronic device to perform a method as provided by any of the preceding embodiments.

Alternatively, the memory 720 may be separate or integrated with the processor 710.

For the implementation principle and the technical effect of the electronic device provided by this embodiment, reference may be made to the foregoing embodiments, which are not described herein again.

The embodiment of the present application further provides a computer-readable storage medium, in which computer-executable instructions are stored, and when the computer-executable instructions are executed by a processor, the method provided by any one of the foregoing embodiments may be implemented.

The embodiments of the present application further provide a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the method provided in any of the foregoing embodiments.

In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described device embodiments are merely illustrative, and for example, the division of the modules is only one logical division, and other divisions may be realized in practice, for example, a plurality of modules may be combined or integrated into another system, or some features may be omitted, or not executed.

The integrated module implemented in the form of a software functional module may be stored in a computer-readable storage medium. The software functional module 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) or a processor to execute some steps of the methods described in the embodiments of the present application.

It should be understood that the Processor may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in the incorporated application may be directly implemented by a hardware processor, or may be implemented by a combination of hardware and software modules in the processor. The memory may comprise a high-speed RAM memory, and may further comprise a non-volatile storage NVM, such as at least one disk memory, and may also be a usb disk, a removable hard disk, a read-only memory, a magnetic or optical disk, etc.

The storage medium may be implemented by any type or combination of volatile or non-volatile memory devices, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks. A storage media may be any available media that can be accessed by a general purpose or special purpose computer.

An exemplary storage medium is coupled to the processor such the processor can read information from, and write information to, the storage medium. Of course, the storage medium may also be integral to the processor. The processor and the storage medium may reside in an Application Specific Integrated Circuits (ASIC). Of course, the processor and the storage medium may reside as discrete components in an electronic device or host device.

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The above-mentioned serial numbers of the embodiments of the present application are merely for description and do not represent the merits of the embodiments.

Through the description of the foregoing embodiments, it is clear to those skilled in the art that the method of the foregoing embodiments may be implemented by software plus a necessary general hardware platform, and certainly may also be implemented by hardware, but in many cases, the former is a better implementation. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the methods provided in the embodiments of the present application.

Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.

It will be understood that the present application is not limited to the precise arrangements that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims

1. A settlement method, comprising:

analyzing the settlement request to obtain at least one customer account;

2. The method of claim 1, wherein determining at least one target settlement account based on the settlement correspondence and the at least one customer account number comprises:

determining each authorized settlement account from a plurality of settlement accounts corresponding to the target customer according to the settlement correspondence and the at least one customer account;

determining the at least one target settlement account from the respective authorized settlement accounts.

3. The method of claim 2, wherein determining the at least one target settlement account from among the respective authorized settlement accounts comprises:

determining the at least one target settlement account from each authorized settlement account according to the account priority and/or settlement records of the authorized settlement accounts;

4. The method of claim 2, wherein determining the at least one target settlement account from among the respective authorized settlement accounts comprises:

acquiring a first attribute of each order to be settled of the at least one customer account, wherein the first attribute comprises one or more items of a corresponding customer account, a charge to be settled, transaction time, a transaction type, a transaction object, a transaction terminal and a settlement channel;

at least one target settlement account is determined from the individual authorized settlement accounts based on the first attribute.

5. The method of any of claims 1-4, further comprising:

acquiring an order to be settled of the at least one customer account according to a set period;

and generating a settlement request according to the order to be settled of the at least one customer account.

6. The method according to any one of claims 1-4, further comprising:

when detecting that the order to be settled of at least one client account number of the target client meets the settlement condition, generating a settlement request according to the order to be settled meeting the settlement condition;

wherein the settlement condition is determined by settlement configuration information of the corresponding target client.

7. The method according to any one of claims 1-4, further comprising:

generating a settlement configuration page according to at least one client account number registered by each client so as to acquire settlement configuration information of each client through the settlement configuration page;

and determining the settlement relation of each client according to the settlement configuration information of each client.

8. The method according to any one of claims 1 to 4, wherein when the target settlement account is plural, settling the at least one target settlement account according to the fee to be settled of the at least one customer account number comprises:

acquiring transaction splitting rules of a plurality of target settlement accounts;

obtaining the amount to be settled corresponding to each target settlement account according to the transaction splitting rule and the expense to be settled of the at least one customer account;

and for each target settlement account, settling the target settlement account according to the amount to be settled corresponding to the target settlement account.

9. A settlement method is applied to a cloud computing system, the cloud computing system comprises a cloud computing server, a charging terminal and a settlement terminal, and the settlement method is executed by the settlement terminal and comprises the following steps:

analyzing the settlement request to obtain the at least one customer account;

and settling the at least one target settlement account according to the cost to be settled of the at least one client account, wherein the cost to be settled of the at least one client account comprises the cost of the orders to be settled of the at least one client account, and the cost of each order to be settled is determined by a charging terminal.

10. A settlement terminal, comprising:

a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored by the memory to implement the method of any of claims 1-9.

11. A computer-readable storage medium having computer-executable instructions stored therein, which when executed by a processor, are configured to implement the method of any one of claims 1-9.

12. A computer program product, characterized in that it comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1-9.