CN115099891A

CN115099891A - Account splitting method, device and equipment

Info

Publication number: CN115099891A
Application number: CN202210713858.7A
Authority: CN
Inventors: 周燕; 瞿秀佳; 胡珊珊; 张经纬; 付斯斯; 高雨露; 刘晶
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2022-06-22
Filing date: 2022-06-22
Publication date: 2022-09-23

Abstract

The embodiment of the specification discloses a method, a device and equipment for splitting accounts. The scheme can comprise the following steps: after the server side of the first payment application acquires the ledging instruction of the transaction platform for the target transaction order which is paid by using the first payment application or the second payment application, the server side of the first payment application can acquire the payment resource of the target transaction order, so that the server side of the first payment application can be used for ledging the target transaction order which is paid by using each payment application based on the acquired payment resource of the target transaction order.

Description

Account splitting method, device and equipment

Technical Field

The present application relates to the field of electronic transaction technologies, and in particular, to a method, an apparatus, and a device for splitting account.

Background

With the continuous progress of internet technology, electronic commerce has been rapidly developed. People are gradually starting to conduct various business activities based on a transaction platform under the network environment of the open internet to realize transaction activities between consumers and merchants. Currently, a trading platform generally supports a plurality of payment applications, so that a consumer can select any one of the payment applications according to actual needs to pay for a trading order initiated at the trading platform. At present, a server of each payment application can only perform branch accounting processing on a transaction order generated by the payment application, so that the requirement of uniform branch accounting cannot be met.

Therefore, how to perform unified accounting on transaction orders generated by different payment applications becomes a technical problem to be solved urgently.

Disclosure of Invention

The accounting method, the accounting device and the accounting equipment provided by the embodiment of the specification can perform unified accounting on transaction orders generated by different payment applications, so that the management convenience in accounting each transaction order is improved.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

an accounting method provided in an embodiment of the present specification, applied to a server side of a first payment application, includes:

acquiring a branch account instruction of a transaction platform; the accounting instruction is used for indicating accounting processing to be carried out on the target trading order generated at the trading platform; the target transaction order is a transaction order which is paid to a second party by a first party by using a target payment application, wherein the target payment application is any one of the first payment application and the second payment application;

obtaining payment resources of the target transaction order;

transferring payment resources of the target trade order to a billing account of the second party at the first payment application in response to the billing instructions.

An accounting apparatus provided in an embodiment of this specification, applied to a server side of a first payment application, includes:

the first acquisition module is used for acquiring a posting instruction of the transaction platform; the accounting instruction is used for indicating accounting processing to be carried out on the target trading order generated at the trading platform; the target transaction order is a transaction order which is paid to a second party by a first party by using a target payment application, wherein the target payment application is any one of the first payment application and the second payment application;

the second acquisition module is used for acquiring payment resources of the target transaction order;

and the accounting module is used for responding to the accounting instruction and transferring the payment resources of the target transaction order to the accounting account of the second party at the first payment application.

An embodiment of the present specification provides a ledger device, where the ledger device is a server device for a first payment application, including:

at least one processor; and (c) a second step of,

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores instructions executable by the at least one processor to enable the at least one processor to:

obtaining payment resources of the target transaction order;

transferring, in response to the reconciliation instruction, payment resources of the target trade order to a reconciliation account of the second party at the first payment application.

At least one embodiment provided in the present specification can achieve the following advantageous effects:

a server side of a first payment application can acquire a billing instruction of a trading platform for a target trading order, wherein the target trading order can be a trading order for a first participant to pay a second participant by using the first payment application or a second payment application; the server side of the first payment application can also obtain payment resources of the target transaction order, so that the payment resources of the target transaction order can be transferred to the account splitting account of the second participant at the first payment application in response to the account splitting instruction, so that the transaction orders generated by different payment applications can be subjected to unified account splitting, and the management convenience in account splitting of the transaction orders can be improved. And the transaction platform only needs to carry out account splitting and butt joint with the service end of the first payment application, and does not need to carry out account splitting and butt joint with the service ends of the plurality of payment applications, so that the construction cost of the transaction platform is reduced.

Drawings

In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

Fig. 1 is a schematic view of an application scenario of an accounting method provided in an embodiment of the present specification;

fig. 2 is a schematic flowchart of an accounting method provided in an embodiment of the present disclosure;

FIG. 3 is a schematic lane flow diagram corresponding to the billing method of FIG. 2 provided in an embodiment of the present disclosure;

fig. 4 is a schematic structural diagram of a billing apparatus corresponding to fig. 2 provided in an embodiment of the present disclosure;

fig. 5 is a schematic structural diagram of an accounting device corresponding to fig. 2 provided in an embodiment of this specification.

Detailed Description

To make the objects, technical solutions and advantages of one or more embodiments of the present disclosure more apparent, the technical solutions of one or more embodiments of the present disclosure will be described in detail and completely with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present specification, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from the embodiments given herein without making any creative effort fall within the scope of protection of one or more embodiments of the present specification.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

Currently, in order to improve the payment convenience when a consumer purchases a commodity, each network transaction platform generally supports multiple payment channels (e.g., a first payment application, a second payment application, etc.) for payment. The server side of a single payment application channel can only perform ledging processing on the transaction orders generated by the payment channel, so that unified ledging cannot be realized, and inconvenience is brought to ledging management of a transaction platform and merchants. Meanwhile, the transaction platform also needs to be respectively connected with the service ends of various payment channels in an abutting mode, so that the cost expenditure of the transaction platform and the complexity of daily operation are increased.

In order to solve the defects in the prior art, the scheme provides the following embodiments:

fig. 1 is a schematic view of an application scenario of an accounting method provided in an embodiment of this specification.

As shown in fig. 1, a first party may make a payment for a target trading order initiated at a trading platform 101 using a first payment application or a second payment application. Subsequently, the trading platform 101 may generate a billing instruction for the target trading order and issue the billing instruction to the server 102 of the first payment application.

When the first payment application server 102 performs the split payment for the target trade order, it may obtain the payment resource of the first party for the target trade order from the target financial institution 103, or the first payment application server 102 may obtain the payment resource of the target trade order from an account at the first payment application used when the first party pays. So that the server 102 of the first payment application may transfer the acquired payment resources of the target trade order to the billing account of the second party at the first payment application. Therefore, unified account division can be performed on transaction orders generated by different payment applications by using a server of a single payment application, so that management convenience of an transaction platform and a merchant in account division for transaction orders generated by using multiple payment applications is improved.

Next, a detailed description will be given of a billing method provided in an embodiment of the specification with reference to the accompanying drawings:

fig. 2 is a schematic flowchart of an accounting method according to an embodiment of the present disclosure. From a program perspective, the execution subject of the flow may be a service end of the first payment application, or an application program at the service end of the first payment application.

As shown in fig. 2, the process may include the following steps:

step 202: and acquiring a branch account instruction of the transaction platform. The accounting instruction is used for indicating accounting processing to be carried out on the target trading order generated at the trading platform; the target transaction order is a transaction order which is paid by a first participant to a second participant by using a target payment application, and the target payment application is any one of the first payment application and the second payment application.

In the embodiment of the present specification, the transaction platform may be an electronic commerce platform capable of implementing transaction activities between consumers and merchants. In practical applications, the trading platform may provide an application client for use by a consumer to facilitate the consumer initiating a trade order and making payment at the application client. The trading platform also generally has an application server to perform billing and cash-out management on the trading order, and based on this, the billing instruction in step 202 may specifically be an instruction initiated by the application server of the trading platform.

In this embodiment, the split account may generally refer to a process of transferring money paid by a user for purchasing an item to a merchant by a transaction platform. The accounting instruction of the trading platform can be specifically used for instructing accounting processing on the target trading order generated at the trading platform. Wherein the target trade order may be a trade order for a first party to pay a second party using a target payment application. The first party may be a buyer conducting a transaction at the transaction platform and the second party may be a seller providing goods at the transaction platform. The target payment application may be any one of the first payment application and the second payment application. The executing agent of the scheme in fig. 2 is typically the server of the first payment application, and since the second payment application is typically a payment application other than the first payment application, the executing agent of the scheme in fig. 2 does not typically belong to the server of the second payment application.

In practical application, the accounting instruction may include related order information carrying a target trade order, so that the executive body in the scheme in fig. 2 performs subsequent accounting processing based on the related order information of the target trade order. The related order information of the target trade order at least comprises the following steps: the order number of the target trade order may include, among other things: identification information of the transaction platform, the transaction amount of the target transaction order, the transaction item name of the target transaction order, and identification information of a payment application used for payment of the buyer.

Step 204: and acquiring payment resources of the target transaction order.

In this embodiment, the payment resource may be a money resource or a credit resource or the like that the first party needs to pay to the second party when the first party performs a transaction activity with the second party at the transaction platform. In the embodiments of the present specification, the specific form of the payment resource is not limited.

It should be noted that the execution order of step 202 and step 204 may not be consistent depending on the payment application used by the first party to pay for the target trade order. For example, when the first party uses the first payment application to pay for the payment resource of the target transaction order, in order to prevent the first party from appropriating the part of the payment resource, the execution subject (i.e., the server of the first payment application) in the scheme in fig. 2 needs to transfer the part of the payment resource out of the payment account of the first party, that is, needs to perform the operation of acquiring the payment resource of the target transaction order first, without acquiring the part of the payment resource according to the billing instruction of the transaction platform. However, when the first party uses the second payment application to pay the payment resource of the target transaction order, the first party needs to acquire the payment resource according to the billing instruction of the platform, so that the operation of acquiring the billing instruction of the transaction platform needs to be performed first, and then the operation of acquiring the payment resource of the target transaction order needs to be performed.

Step 206: in response to the split instruction, the payment resources of the target trade order are transferred to a split account of the second party at the first payment application.

In this specification embodiment, a split account may be created for the second party at the first payment application in advance, so as to receive, by using the split account, the payment resource of the target transaction order corresponding to the second party. Specifically, the server of the first payment application may check each target transaction order in response to the posting instruction, and if the check is correct, the payment resource of the target transaction order may be transferred to the posting account of the second party, thereby completing the posting operation for the payment resource of the target transaction order.

The method in fig. 2 is advantageous to promote management convenience when performing the ledging for each transaction order by using the server side of the first payment application to perform the unified ledging for the transaction orders generated by using different payment applications. And the transaction platform only needs to carry out account splitting and butt joint with the service end of the first payment application, and does not need to carry out account splitting and butt joint with the service ends of the plurality of payment applications, so that the construction cost of the transaction platform is reduced.

Based on the method in fig. 2, some specific embodiments of the method are also provided in the examples of the present specification, which are described below.

If the first party pays for the target transaction order by using the second payment account at the second payment application, the server of the first payment application may not directly obtain the payment resource for deducting the target transaction order from the second payment account, so that the server of the first payment application needs to obtain the payment resource for the target transaction order from the target financial institution, which is explained for easy understanding.

Specifically, if the target trade order is a trade order for the first party to pay by using the second payment account at the second payment application, step 204: obtaining payment resources for the target transaction order may include:

sending a first resource transfer instruction to the target financial institution; the first resource transfer instruction is to instruct transfer of a specified amount of payment resources from the target financial institution.

Receiving the specified amount of payment resources sent by the target financial institution; the specified amount of payment resources comprises second payment resources paid by the first party for the target trade order using the second payment account; the second payment resource is a resource acquired by the target financial institution from a server of the second payment application.

Correspondingly, step 206: in response to the split instruction, transferring the payment resource of the target transaction order to a split account of the second party at the first payment application, which may specifically include:

transferring the second payment resource of the specified amount of payment resources to a billing account of the second party.

In this embodiment of the specification, the facilitator of the transaction platform may agree with the facilitator of the second payment application and the facilitator of the target financial institution in advance, so that after the first party completes payment for the target transaction order at the target transaction platform by using the second payment account at the second payment application, the server of the second payment application needs to transfer the second payment resource paid for the target transaction order at the second payment account to the target financial institution for storage within a specified time period. Wherein the target financial institution may be a bank, and the indication period may be 1 day.

The service provider of the transaction platform may also make an agreement with the service provider of the first payment application and the service provider of the target financial institution in advance, so that the target financial institution may transfer the reserved payment resources of the specified quantity to the service provider of the first payment application in response to the first resource transfer instruction sent by the service provider of the first payment application, so that the service provider of the first payment application obtains the second payment resources, which are paid for the target transaction order, at the second payment account through the target financial institution, and further completes the reconciliation. The specified amount of payment resources is determined by the trading platform, and the payment resources can contain payment resources of multiple trading orders, so that the resource transfer efficiency is improved.

In the embodiment of the present specification, in order to secure funds, the server of the first payment application generally needs to obtain payment resources from the target financial institution according to the instruction of the transaction platform.

Based on this, before sending the first resource transfer instruction to the target financial institution, the method may further include:

acquiring a second resource transfer instruction sent by the trading platform; the second resource transfer instruction is to instruct acquisition of the specified amount of payment resources from the target financial institution. The first resource transfer instruction is generated upon receipt of the second resource transfer instruction.

In this embodiment of the present specification, the second resource transfer instruction sent by the trading platform and the ledger instruction sent by the trading platform may be the same instruction or different instructions, which is not limited specifically. For example, when the second resource transfer instruction and the separate accounting instruction are different instructions, the second resource transfer instruction only needs to carry information about the amount of the payment resource to be transferred (i.e., the specified data, e.g., 10 ten thousand yuan), and does not need to carry information about each target transaction order corresponding to the payment resource to be transferred, thereby facilitating simplification of resource transfer operations and processes. Certainly, the second resource transfer instruction and the accounting instruction may also be the same instruction, and at this time, the accounting instruction may also carry information about the amount of the payment resource to be transferred, so that an interaction flow between the transaction platform and the server of the first payment application may be simplified.

In the embodiment of the present specification, the target financial institution and the first payment application may both set corresponding fund escrow accounts, so as to manage, by using respective resource escrow accounts, payment resources of the target transaction order to be subjected to ledger, thereby facilitating improvement of security and convenience of resource management.

Based on this, the receiving the specified amount of payment resources sent by the target financial institution may specifically include:

receiving, with a first funds escrow account at the first payment application, a specified amount of payment resources transferred from a second funds escrow account at the target financial institution; the second funds escrow account is for storing resources acquired by the target financial institution from a server side of the second payment application.

Correspondingly, transferring the second payment resource in the specified amount of payment resources to the account splitting account of the second party may specifically include:

transferring the second payment resource at the first funds escrow account to a billing account of the second party.

In this embodiment of the specification, the billing instruction may be sent by the transaction platform to the server of the first payment application through an interface call, so as to instruct the server of the first payment application to perform billing on the payment resource of the target transaction order acquired from the target financial institution.

In practical application, the generation mode of the branch account instruction can be various. For example, the reconciliation instruction may be an instruction generated by the transaction platform by invoking a first interface at the service end of the first payment application, and the reconciliation instruction may directly instruct to transfer the payment resource corresponding to the target transaction order in the second funds escrow account at the target financial institution to the reconciliation account of the second participant at the first payment application, conveniently and quickly. It should be noted that after receiving the split-account instruction, the server of the first payment application still needs to receive resources from the second funds holding account by using the first funds holding account, and transfer the resources to the split-account of the second party by using the first funds holding account, so as to complete the split-account.

Alternatively, the billing instruction may be an instruction generated by the transaction platform by calling the second interface and the third interface at the service end of the first payment application. Specifically, the transaction platform may generate an instruction for instructing transfer of the payment resource corresponding to the target transaction order in the second funds hosting account at the target financial institution to the first funds hosting account at the first payment application by calling the second interface, and subsequently, the transaction platform may continue to generate an instruction for instructing transfer of the payment resource corresponding to the target transaction order in the first funds hosting account at the first payment application to the branch account of the second party at the first payment application by calling the third interface, so that the branch account instruction is formed by a plurality of instructions, and the flexibility is good. The instruction generated by the transaction platform by calling the second interface and the second resource transfer instruction can be the same instruction.

In embodiments of the present description, the first funds escrow account may be a funds escrow account registered by the transaction platform at the first payment application. And the second funds escrow account is a funds escrow account registered by the transaction platform at the target financial institution. The server of the first payment application receives the resources transferred from the second funds escrow account by utilizing the first funds escrow account to obtain payment resources paid for the target transaction order utilizing the payment account at the second payment application. And, by transferring the payment resource from the first funds escrow account into the billing account of the merchant at the first payment application. Therefore, the function of performing the same account division on the transaction orders generated by different payment applications by using the server side of the single payment application is realized. The complexity of using the server sides of various payment applications to perform account division respectively is avoided, and the convenience of the transaction platform in account division management is improved.

In this embodiment of the present description, if the first participant uses the first payment account at the first payment application to pay for the target transaction order, the server of the first payment application may directly obtain the payment resource of the target transaction order deducted from the first payment account, so that the payment resource of the target transaction order does not need to be obtained from the target financial institution. This is explained for ease of understanding.

Specifically, if the target trade order is a trade order for a first participant to pay by using a first payment account at the first payment application, step 204: obtaining payment resources for the target transaction order may include:

transferring the first party from the first payment account to a first funds escrow account at the first payment application using a first payment resource paid by the first payment account for the target transaction order.

Correspondingly, step 206: in response to the split instruction, transferring the payment resource of the target trade order to a split account of the second party at the first payment application, which may specifically include:

transferring the first payment resource at the first funds escrow account to a billing account of the second party.

In this embodiment of the present description, when the first party makes a payment through the first payment application, the server of the first payment application usually deducts the first payment resource paid for the target trade order from the first payment account of the first party after the payment of the first party is successful, so as to prevent the first party from appropriating the first payment resource. The first payment resource deducted from the first payment account is sent to the transaction platform for management within a first funds escrow account of the first payment application. Subsequently, after acquiring the account splitting instruction for the target transaction order, the server of the first payment application may transfer the first payment resource in the first fund escrow account to an account splitting account registered by a second party (e.g., a merchant) at the first payment application, so as to complete the account splitting for the target transaction order.

In the embodiment of the present specification, in order to increase the transaction amount and improve the awareness of the transaction platform, a promotional activity may be initiated irregularly, for example, a discount sale or a discount sale is made for a specific commodity of a merchant within a specific time. Because the promotion activity is initiated by the trading platform, the funds favored for a particular product need to be compensated by the trading platform to the merchant. Based on this, when the target transaction order is subjected to the account splitting, part of the payment resources paid by the transaction platform may need to be acquired and divided into the account splitting account of the second party.

Based on this, step 204: obtaining payment resources of the target transaction order may specifically include:

and if the transaction platform needs to pay a third payment resource for the second party aiming at the target transaction order according to the account splitting instruction, transferring the third payment resource in a third payment account of the transaction platform at the first payment application to the first fund escrow account.

transferring the third payment resource at the first funds escrow account to a billing account of the second party.

In this embodiment of the specification, the third payment account may be a payment account registered by the transaction platform at the first payment application, and the transaction platform may store a part of the payment resources in the third payment account in advance, and make an agreement with the server of the first payment application in advance, so as to allow the server of the first payment application to deduct a specified amount of payment resources (for example, the third payment resources) from the third payment account by itself according to an actual requirement when performing split accounting, and divide the payment resources into split accounts of the second participant, so as to complete the split accounting.

In this embodiment, the third payment resource may be a resource that the trading platform needs to pay the second party for the target trade order initiated by the first party. In practical application, the ledger instruction of the trading platform may further carry relationship information of a third payment resource corresponding to the target trade order, and the ledger instruction may be further configured to instruct that the third payment resource is deducted from a third payment account and is transferred to a ledger account of a second party.

For ease of understanding, the billing process associated with the third payment resource is illustrated. For example, assuming that the target trade order is an order in which a first party purchases an article of clothing at a second party, 150 dollars are required to be paid by the first party and 50 dollars are required to be paid by the trading platform for the target trade order. The 50 dollars that the transaction platform needs to pay is the third payment resource. When the transaction platform needs to perform the account separation for the target transaction order, the account separation instruction of the transaction platform should carry information indicating that 50 yuan is transferred from the third payment account as part of the payment resources of the target transaction order, so that after the server side of the first payment application receives the account separation instruction, 50 yuan of funds in the third payment account can be transferred to the first fund escrow account, and then 50 yuan of funds in the first fund escrow account is transferred to the account separation account of the second participant, so as to ensure the accuracy of the account separation.

In the embodiment of the present specification, in the process of daily online shopping, after a buyer purchases an item from a merchant, return of the item may occur due to dissatisfaction with the quality of the item. At this time, if the payment resource for the transaction order is transferred to the account splitting account of the merchant, the payment resource in the account splitting account of the merchant needs to be returned to the buyer and/or the transaction platform.

Based on this, after transferring the payment resource of the target transaction order to the billing account of the second party at the first payment application, may further include:

and acquiring a return and account-separating instruction of the trading platform for the target trading order.

Determining an initial roll-out account of payment resources of the target transaction order in response to the debt instruction; the initial transfer-out account includes at least one of the first payment account, the second payment account, and the third payment account.

And transferring the payment resources of the target transaction order in the branch account to the initial transfer-out account.

In this embodiment of the specification, the refund and payment instruction may be generated by the trading platform after all or part of the target trade orders are refunded, and is used for instructing to refund all or part of the payment resources corresponding to the target trade orders. For example, after the first party (buyer) applies for a return payment for the target transaction order, the transaction platform may issue a reimbursement instruction to the server of the first payment application. The server side of the first payment application can determine the source information of the payment resource of the target transaction order, and then returns to the initial transfer-out account of the payment resource according to the source information of the payment resource and the resource transmission link.

In an embodiment of the present specification, the payment resource of the target trade order may include at least one of a first payment resource, a second payment resource, and a third payment resource. The source information of the first payment resource may be a registered account at the first payment application, and based on the source information of the first payment resource and the relevant order information of the target transaction order, it may be further determined that the initial roll-out account of the first payment resource is the first payment account at the first payment application, so that the server of the first payment application may transfer the first payment resource in the split-account of the second party to the first payment account.

The source information of the second payment resource may also be a registered account at the second payment application or a target financial institution, and based on the source information of the second payment resource, it may be further determined that the initial roll-out account of the second payment resource is a second payment account at the second payment application or a second fund escrow account at the target financial institution, so that the server of the first payment application may transfer the second payment resource in the ledger account of the second party to the second payment account through the target financial institution.

The source information of the third payment resource may be a registered account of the trading platform at the first payment application, and based on the source information of the third payment resource and the related order information of the target trading order, an initial transfer-out account of the third payment resource may be further determined to be a third payment account of the trading platform, so that the server of the first payment application may transfer the third payment resource in the ledger account of the second party to the third payment account.

For example, the buyer purchases the clothing with the original price of 200 yuan and the current price of 150 yuan in the promotion activity at the transaction platform, and at this time, the buyer can pay 150 yuan to the merchant and the transaction platform can pay 50 yuan to the merchant. If the buyer feels dislike after receiving the clothes, the buyer initiates a goods returning application to the transaction platform. The transaction platform may send a reimbursement account instruction to the server of the first payment application after receiving the return application of the buyer. The server side of the first payment application may transfer 200 yuan of the merchant in the branch account at the first payment application to the first fund escrow account first according to the branch account quitting instruction.

If the purchaser purchases the clothing using 150 dollars of the first payment account at the first payment application, 150 dollars in the first funds escrow account may be refunded to the purchaser's first payment account at the first payment application. And if the buyer uses the second payment account at the second payment application to pay 150 yuan when purchasing the clothing, the 150 yuan in the first fund escrow account can be returned to the second fund escrow account of the target financial institution, and then the 150 yuan in the second fund escrow account is returned to the second payment account of the buyer at the second payment application by the service end of the target financial institution. In addition, the server of the first payment application may refund the 50 dollars in the first funds escrow account to a third payment account of the transaction platform at the first payment application. Thereby completing the return account for the transaction order.

In this embodiment of the present specification, when the target trade order needs to be subjected to the reimbursement processing, the server of the first payment application may return the payment resource of the target trade order received in the reimbursement account of the second party to the first payment account, the second payment account, or the third payment account in an original way. The convenience of the transaction platform and the merchant for returning and separating accounts management is improved.

In this embodiment, a merchant (i.e., a second party) of the transaction platform needs to apply for registering a split account with a server of the first payment application in advance, so that the split account is used to receive payment resources of a transaction order related to the split account in a split account processing process. The split account is typically an account for which the second party does not have administrative rights to pay resources for the account.

Based on this, before transferring the payment resource of the target transaction order to the billing account of the second party at the first payment application, may further include:

and acquiring a split account creation request which is sent by the trading platform and aims at the second party.

Generating a split account of the second party at the first payment application in response to the split account creation request.

In this embodiment of the present specification, the second party may initiate an incoming application to the trading platform, so as to register the ledger account at the first payment application through the trading platform. In practical application, the second party may submit registration details such as its own business license to the transaction platform, and the transaction platform may initiate a request for creating a separate accounting account for the second party to the server of the first payment application after the information of the registration details of the merchant is approved, so that the server of the first payment application generates the separate accounting account for the second party. Or, the transaction platform may also carry the registration information of the merchant in the split-account creation request, so that the service end of the first payment application registers the split-account for the merchant after the registration information of the merchant is checked, which is not limited specifically.

In this embodiment, the same second party may have multiple sub-accounting accounts. For example, if a second party has multiple online stores at the trading platform, the second party may register a separate account for each online store. Subsequently, the second party may specify a billing account to be used for billing the transaction orders generated for each online store. For example, the second party may receive payment resources for trade orders generated by a plurality of online stores using the same split-account, or the second party may receive payment resources for trade orders generated by a single online store using a single split-account, which is not particularly limited. However, the server side of the first payment application may determine, according to the relevant order information of the target trade orders, the branch account that needs to be used to receive the payment resources of each target trade order, so as to ensure the branch willingness of the second party.

In this embodiment of the present specification, after the first party completes payment for the target transaction order, the payment resource of the target transaction order may be transferred to the branch account of the second party, but subsequently, the first party may also perform all or part of refund for the target transaction order, so that, to ensure the right of the first party, the second party may not obtain the management right for the payment resource in the branch account, so that after the first party applies for refund for the target transaction order, the server of the first payment application may refund the payment resource in the branch account to the first party, thereby being beneficial to ensuring the right of the first party.

In the embodiment of the specification, lawless persons can carry out fraud and illegal activities in a network sale mode. Therefore, according to the requirements of national regulations, when the server of the first payment application performs the ledging of the target transaction order, risk auditing is required to be performed for the target transaction order.

Based on this, before transferring the payment resource of the target transaction order to the account splitting account of the second party at the first payment application, the method may further include:

obtaining order information of the target trade order from the trading platform.

And performing risk identification processing according to the order information of the target trading order to obtain a risk identification result aiming at the target trading order.

The step 206: transferring the payment resource of the target transaction order to the account splitting account of the second party at the first payment application may specifically include:

and if the risk identification result meets a preset account splitting condition, transferring the payment resource of the target transaction order to an account splitting account of the second party at the first payment application.

If the risk identification result does not accord with the preset account separation condition, account separation prohibition prompt information can be generated; and the account separation prohibition prompt information is used for prompting that account separation processing is prohibited for the target trading order according to the risk identification result of the target trading order.

In this embodiment of the present specification, after receiving a ledger instruction for a target transaction order sent by a transaction platform, a server of a first payment application performs risk auditing for each target transaction order. Specifically, the server of the first payment application may obtain more detailed order detail information of the target trade order from the trading platform according to the order number of the target trade order carried in the ledger instruction, for example, registration information of the first and second parties, commodity quantity of the order trade, time of the order trade, reserved telephone numbers and harvesting addresses of the first and second parties, and the like.

Subsequently, the server of the first payment application may perform risk identification processing based on the order detail information of the target trade order. And if the target trade order is an order for payment by using the first payment account at the first payment application, the first payment application also generates a payment order corresponding to the target trade order, so that the server side of the first payment application can perform risk identification processing based on order detail information of the payment order corresponding to the target trade order.

In practical application, the server of the first payment application may perform risk identification processing on the target transaction order by using an existing risk identification rule or a risk identification model, so as to obtain a risk identification result corresponding to the target transaction order. And if the preset splitting condition is that the risk score is smaller than a preset threshold value, splitting is allowed, otherwise, splitting is prohibited. For example, assuming a risk score above 70 points, it is generally indicative of a high likelihood of transaction risk (e.g., money laundering risk, fraud risk, etc.), such that the points may be prohibited. At this time, if the risk identification result corresponding to the target trade order is 65 minutes, it may indicate that the risk identification result meets the preset account splitting condition, so that the payment resource of the target trade order in the first fund escrow account at the first payment application may be transferred to the account splitting account of the second participant at the first payment application.

In the embodiment of the specification, after it is determined that the risk identification result corresponding to the target transaction order meets the preset branch account condition, the payment resource of the target transaction order is transferred to the branch account of the second party at the first payment application to complete the branch account, so that the possibility that the second party carries out illegal criminal activities through the transaction platform is reduced, and the legal compliance of the branch account method is guaranteed.

In the embodiment of the present specification, since the second party does not have the management authority for the payment resource in the ledger account, the part of the payment resource cannot be controlled, and thus there is a need to bring up the payment resource in the ledger account.

Based on this, after the transferring the payment resource of the target transaction order to the accounting account of the second party at the first payment application, the method may further include:

acquiring a cash withdrawal instruction of the trading platform; the cash-out instructions are used for indicating that the target payment resources at the ledger account are transferred to a fourth payment account of the second participant, wherein the fourth payment account is an account of which the second participant has management authority for account payment resources.

In response to the cash-out instruction, transferring the target payment resource in the ledger account to a fourth payment account of the second party.

In this embodiment of the present description, the trading platform may send a cash withdrawal instruction to the server of the first payment application, where the cash withdrawal instruction generally needs to indicate an amount of resources required to be withdrawn, but may not need to indicate trading order information corresponding to the resources required to be withdrawn, thereby facilitating simplification of cash withdrawal operations.

After receiving the withdrawal instruction, the server side of the first payment application may transfer the target payment resource indicated by the withdrawal instruction into a fourth payment account of the second party, where the fourth payment account of the second party has a corresponding resource management right, to complete withdrawal. The fourth payment account may be a payment account registered by the second party at the first payment application, or may be a payment account at another financial institution, which is not particularly limited.

In the embodiment of the description, the payment resource is transferred from the branch account of the second participant (the second participant does not have the corresponding resource management authority) to the fourth payment account (the second participant has the corresponding resource management authority), so that the cash-out function of the payment resource after the branch account is realized, and the operation is convenient and fast.

Fig. 3 is a schematic lane flow chart corresponding to the billing method in fig. 2, provided in an embodiment of the present disclosure. As shown in fig. 3, the billing process may involve the execution entities such as the transaction platform, the server of the first payment application, and the financial institution.

In the billing stage, the trading platform may send a billing instruction for the target trade order to a server of the first payment application. The target trade order may be a trade order for a first party to pay a second party using a target payment application, wherein the target payment application may be any one of the first payment application and the second payment application.

The server of the first payment application may obtain payment resources for the target trade order in response to the reconciliation instruction. In practical applications, the payment resource of the target trade order may include at least one of the first payment resource, the second payment resource, and the third payment resource.

Wherein the first payment resource may be a resource paid by the first party for the target trade order using the first payment account at the first payment application. After the target transaction order is paid, the server of the first payment application can transfer the first payment resource in the first payment account to the first funds hosting account at the first payment application, so that the server of the first payment application can acquire the first payment resource without waiting for the transaction platform to send a branch instruction and then transfer the first payment resource to the first funds hosting account.

The second payment resource may be a resource paid by the first party for the target trade order using a second payment account at the second payment application. For the second payment resource, the server of the first payment application may send a first resource transfer instruction to the financial institution for transferring the specified amount of the payment resource. After receiving the first resource transfer instruction sent by the first payment application, the target financial institution may transfer the specified amount of payment resources from the second funds escrow account at the target financial institution to the first funds escrow account at the first payment application, where the specified amount of payment resources may include the second payment resources that the first party paid for the target transaction order using the second payment account at the second payment application. Therefore, the server side of the first payment application can acquire the second payment resource.

The third payment resource may be a resource that the trading platform needs to pay for the target trade order using a third payment account at the first payment application. After receiving the split instruction, the server of the first payment application may transfer a third payment resource of the transaction platform in a third payment account at the first payment application to the first fund escrow account at the first application according to a transaction rule of the actual transaction order, so that the server of the first payment application obtains the third payment resource.

Subsequently, the server of the first payment application may further obtain order information of the target transaction order from the transaction platform, and perform risk identification on the order information of the target transaction order to obtain a risk identification result for the target transaction order. If the risk identification result meets the preset branch account condition, the server side of the first payment application can transfer the payment resource of the target transaction order into the branch account of the second participant at the first payment application, so as to complete the branch account. And if the risk identification result does not accord with the account splitting condition, the server side of the first payment application does not execute the account splitting operation so as to prohibit transferring the payment resource of the target transaction order into the account splitting account of the second participant at the first payment application.

In the credit returning and credit returning stage, the transaction platform may send a credit returning and credit returning instruction for the target transaction order to the server of the first payment application, so that after receiving the credit returning instruction sent by the transaction platform, the server of the first payment application determines an initial transfer-out account of the payment resource of the target transaction order, for example, a first payment account at the first payment application, a second payment account at the second payment application, a third payment account at the first payment application, and the like. And returning the payment resources of the target transaction order back to the original affiliated transfer-out account.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method. Fig. 4 is a schematic structural diagram of an accounting apparatus corresponding to fig. 2 provided in an embodiment of the present disclosure. As shown in fig. 4, the apparatus may include:

a first obtaining module 402, configured to obtain a posting instruction of a transaction platform; the accounting instruction is used for indicating accounting processing to be carried out on the target trading order generated at the trading platform; the target transaction order is a transaction order which is paid to a second party by a first party by using a target payment application, wherein the target payment application is any one of the first payment application and the second payment application;

a second obtaining module 404, configured to obtain payment resources of the target transaction order;

an account splitting module 406, configured to transfer the payment resource of the target trade order to an account splitting account of the second party at the first payment application in response to the account splitting instruction.

Based on the apparatus of fig. 4, some specific embodiments of the apparatus are also provided in the examples of the present specification, which are described below.

Optionally, if the target trade order is a trade order for the first party to pay by using the second payment account at the second payment application.

Correspondingly, the second obtaining module 404 includes:

an instruction sending unit, configured to send a first resource transfer instruction to a target financial institution; the first resource transfer instruction is to instruct transfer of a specified amount of payment resources from the target financial institution;

a resource receiving unit for receiving the specified amount of payment resources transmitted by the target financial institution; the specified amount of payment resources comprises a second payment resource for the first party to pay for the target trade order using the second payment account; the second payment resource is a resource acquired by the target financial institution from a server of the second payment application;

the accounting module 406 may specifically include:

and the first accounting unit is used for transferring the second payment resource in the specified amount of payment resources to the accounting account of the second party.

Correspondingly, the resource receiving unit may specifically be configured to:

receiving, with a first funds escrow account at the first payment application, a specified amount of payment resources transferred from a second funds escrow account at the target financial institution; the second funds escrow account is for storing resources acquired by the target financial institution from a service end of the second payment application;

the first accounting unit may specifically be configured to:

Optionally, the apparatus shown in fig. 4 may further include:

the third acquisition module is used for acquiring a second resource transfer instruction sent by the transaction platform; the second resource transfer instruction is to instruct acquisition of the specified amount of payment resources from the target financial institution.

Optionally, the target trade order may be a trade order for a first participant to pay using a first payment account at the first payment application.

Correspondingly, the second obtaining module 404 may include:

a first resource transfer unit to transfer a first payment resource paid by the first party for the target trade order with the first payment account from the first payment account to a first funds escrow account at the first payment application.

The accounting module 406 may specifically include:

a second accounting unit to transfer the first payment resource at the first funds hosting account to an accounting account of the second party.

Optionally, the second obtaining module 404 may further include:

and a second resource transfer unit, configured to transfer the third payment resource in a third payment account of the transaction platform at the first payment application to the first fund escrow account if it is determined that the transaction platform needs to pay the third payment resource to the second party for the target transaction order according to the split instruction.

The accounting module 406 may further include:

a third reconciliation unit for transferring the third payment resource at the first funds hosting account to a reconciliation account of the second party.

Optionally, the apparatus shown in fig. 4 may further include:

and the fourth acquisition module is used for acquiring a debt and account instruction of the trading platform for the target trading order.

The account determination module is used for responding to the branch clearing instruction and determining an initial transfer-out account of the payment resources of the target transaction order; the initial transfer-out account includes at least one of the first payment account, the second payment account, and the third payment account.

And the account returning and separating module is used for transferring the payment resources of the target transaction order in the account separating account to the initial roll-out account.

Optionally, the apparatus shown in fig. 4 may further include:

a fifth obtaining module, configured to obtain a split-account creation request for the second party sent by the transaction platform.

And the account splitting account generation module is used for responding to the account splitting account creation request and generating the account splitting account of the second party at the first payment application.

Optionally, the apparatus shown in fig. 4 may further include:

a sixth obtaining module, configured to obtain order information of the target trading order from the trading platform.

And the risk identification module is used for carrying out risk identification processing according to the order information of the target trade order to obtain a risk identification result aiming at the target trade order.

Correspondingly, the accounting module 406 may be specifically configured to:

Optionally, the apparatus shown in fig. 4 may further include:

the account checking prohibition module is used for generating account checking prohibition prompt information if the risk identification result does not accord with the preset account checking condition; and the account separation prohibition prompt message is used for prompting that account separation processing is prohibited for the target trade order according to the risk identification result of the target trade order.

Optionally, the apparatus shown in fig. 4 may further include:

the seventh acquisition module is used for acquiring a cash withdrawal instruction of the trading platform; the cash-out instructions are for instructing transfer of the target payment resource at the ledger account to a fourth payment account of the second party, the fourth payment account being an account for which the second party has administrative rights to account payment resources.

And the cash-out module is used for responding to the cash-out instruction and transferring the target payment resource in the branch account to a fourth payment account of the second participant.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method.

Fig. 5 is a schematic structural diagram of an accounting device corresponding to fig. 2 provided in an embodiment of this specification. As shown in fig. 5, the apparatus 500 may include:

at least one processor 510; and the number of the first and second groups,

a memory 530 communicatively coupled to the at least one processor; wherein, the first and the second end of the pipe are connected with each other,

the memory 530 stores instructions 520 executable by the at least one processor 510 to enable the at least one processor 510 to:

acquiring a branch account instruction of a transaction platform; the accounting instruction is used for indicating accounting processing to be carried out on the target trading order generated at the trading platform; the target transaction order is a transaction order which is paid by a first participant to a second participant by using a target payment application, and the target payment application is any one of the first payment application and the second payment application.

And obtaining payment resources of the target transaction order.

All the embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the apparatus shown in fig. 5, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to part of the description of the method embodiment.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical blocks. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is an integrated circuit whose Logic functions are determined by a user programming the Device. A digital character system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate a dedicated integrated circuit chip. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium that stores computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be regarded as a hardware component and the means for performing the various functions included therein may also be regarded as structures within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

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

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

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

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

Computer-readable media, including both permanent and non-permanent, removable and non-removable media, may implement the information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art to which the present application pertains. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. An accounting method is applied to a server side of a first payment application, and comprises the following steps:

obtaining payment resources of the target transaction order;

2. The method of claim 1, wherein, if the target trade order is a trade order for which the first party paid using the second payment account at the second payment application, the obtaining payment resources for the target trade order comprises:

sending a first resource transfer instruction to a target financial institution; the first resource transfer instruction is to instruct transfer of a specified amount of payment resources from the target financial institution;

receiving the specified amount of payment resources sent by the target financial institution; the specified amount of payment resources comprises second payment resources paid by the first party for the target trade order using the second payment account; the second payment resource is a resource that the target financial institution obtained from a server of the second payment application;

the transferring the payment resource of the target transaction order to the account splitting account of the second party at the first payment application specifically includes:

3. The method of claim 2, wherein the receiving the specified amount of payment resources sent by the target financial institution specifically comprises:

the transferring the second payment resource of the specified amount of payment resources to the account splitting account of the second party specifically includes:

4. The method of claim 3, prior to sending the first resource transfer instruction to the target financial institution, further comprising:

acquiring a second resource transfer instruction sent by the trading platform; the second resource transfer instruction is to instruct acquisition of the specified amount of payment resources from the target financial institution.

5. The method according to claim 1, wherein, if the target trade order is a trade order for a first party to pay using a first payment account at the first payment application, the acquiring payment resources of the target trade order specifically comprises:

transferring the first party from the first payment account to a first funds hosting account at the first payment application utilizing a first payment resource paid by the first payment account for the target trade order;

6. The method of any of claims 3-5, the obtaining payment resources for the target trade order, further comprising:

if it is determined that the transaction platform needs to pay a third payment resource for the second party for the target transaction order according to the split instruction, transferring the third payment resource in a third payment account of the transaction platform at the first payment application to the first fund escrow account;

the transferring the payment resource of the target trade order to a billing account of the second party at the first payment application, further comprising:

7. The method of claim 6, the transferring the payment resources of the target trade order to the account splitting account of the second party at the first payment application, further comprising:

acquiring a return account instruction of the trading platform for the target trading order;

determining an initial roll-out account of payment resources of the target transaction order in response to the debt instruction; the initial transfer-out account comprises at least one of the first payment account, the second payment account, and the third payment account;

8. The method of claim 6, prior to transferring the payment resource of the target trade order to the ledger account of the second party at the first payment application, further comprising:

acquiring a split account creation request aiming at the second party, which is sent by the trading platform;

9. The method of claim 1, prior to transferring the payment resources of the target trade order to the billing account of the second party at the first payment application, further comprising:

obtaining order information of the target trading order from the trading platform;

performing risk identification processing according to the order information of the target trading order to obtain a risk identification result aiming at the target trading order;

and if the risk identification result meets a preset branch account condition, transferring the payment resource of the target transaction order to a branch account of the second party at the first payment application.

10. The method according to claim 9, after performing risk identification processing according to the order information of the target trade order to obtain a risk identification result for the target trade order, further comprising:

if the risk identification result does not accord with the preset account-separating condition, generating account-separating prohibiting prompt information; and the account separation prohibition prompt information is used for prompting that account separation processing is prohibited for the target trading order according to the risk identification result of the target trading order.

11. The method of claim 1, the ledger account being an account for which the second party does not have administrative rights to account payment resources;

after transferring the payment resource of the target transaction order to the account splitting account of the second party at the first payment application, the method further includes:

acquiring a cash withdrawal instruction of the trading platform; the cash-out instruction is used for instructing to transfer the target payment resource at the branch account to a fourth payment account of the second participant, wherein the fourth payment account is an account of which the second participant has management authority for account payment resources;

12. A billing device applied to a server side of a first payment application comprises:

the first acquisition module is used for acquiring a branch account instruction of the transaction platform; the accounting instruction is used for indicating accounting processing to be carried out on the target trading order generated at the trading platform; the target transaction order is a transaction order which is paid to a second party by a first party by using a target payment application, wherein the target payment application is any one of the first payment application and the second payment application;

13. The apparatus of claim 12, wherein the second obtaining module, if the target trade order is a trade order for a first party to pay using a second payment account at the second payment application, comprises:

a resource receiving unit for receiving the specified amount of payment resources transmitted by the target financial institution; the specified amount of payment resources comprises second payment resources paid by the first party for the target trade order using the second payment account; the second payment resource is a resource acquired by the target financial institution from a server of the second payment application;

the accounting module specifically comprises:

14. The apparatus of claim 13, wherein the resource receiving unit is specifically configured to:

the first accounting unit is specifically configured to:

15. The apparatus of claim 14, further comprising:

the third acquisition module is used for acquiring a second resource transfer instruction sent by the trading platform; the second resource transfer instruction is to instruct acquisition of the specified amount of payment resources from the target financial institution.

16. The apparatus of claim 12, wherein the second obtaining module comprises, if the target trade order is a trade order for a first party to pay using a first payment account at the first payment application:

a first resource transfer unit to transfer the first party from the first payment account to a first funds hosting account at the first payment application using first payment resources paid by the first payment account for the target trade order;

the branch account module includes:

17. The apparatus of any of claims 14-16, the second obtaining module, further comprising:

a second resource transfer unit, configured to transfer a third payment resource in a third payment account of the transaction platform at the first payment application to the first fund escrow account if it is determined that the transaction platform needs to pay the third payment resource to the second party for the target transaction order according to the split instruction;

the branch account module still includes:

18. The apparatus of claim 17, further comprising:

the fourth acquisition module is used for acquiring a debt and account instruction of the trading platform for the target trading order;

the account determination module is used for responding to the branch clearing instruction and determining an initial transfer-out account of the payment resources of the target transaction order; the initial transfer-out account comprises at least one of the first payment account, the second payment account, and the third payment account;

and the account returning and separating module is used for transferring the payment resources of the target transaction order in the account separating account to the initial transfer-out account.

19. The apparatus of claim 17, further comprising:

a fifth obtaining module, configured to obtain a split-account creation request for the second party sent by the transaction platform;

20. The apparatus of claim 12, further comprising:

a sixth obtaining module, configured to obtain order information of the target trading order from the trading platform;

the risk identification module is used for carrying out risk identification processing according to the order information of the target trading order to obtain a risk identification result aiming at the target trading order;

the accounting module is specifically configured to:

21. The apparatus of claim 20, further comprising:

the account checking prohibition module is used for generating account checking prohibition prompt information if the risk identification result does not accord with the preset account checking condition; and the account separation prohibition prompt information is used for prompting that account separation processing is prohibited for the target trading order according to the risk identification result of the target trading order.

22. The apparatus of claim 12, the accounting account being an account for which the second party does not have administrative rights to account payment resources; the device further comprises:

the seventh acquisition module is used for acquiring a cash withdrawal instruction of the trading platform; the cash-out instruction is used for instructing to transfer the target payment resource at the branch account to a fourth payment account of the second participant, wherein the fourth payment account is an account of which the second participant has management authority for account payment resources;

and the cash withdrawal module is used for responding to the cash withdrawal instruction and transferring the target payment resource in the branch account to a fourth payment account of the second party.

23. An account-separating device, which is a server device of a first payment application, comprises:

at least one processor; and (c) a second step of,

obtaining payment resources of the target transaction order;