CN115689537A - Settlement processing method and device - Google Patents

Abstract

The embodiment of the specification provides a settlement processing method and a device, wherein the settlement processing method comprises the following steps: acquiring an order to be paid of a member of the organization; submitting the order to be paid based on the organization code of the organization to which the organization member belongs; sending the order to be paid to a payment platform so as to transfer the resource from the institution account bound by the institution code to an intermediate account aiming at the order to be paid; detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to a merchant is triggered; if so, sending a settlement instruction to the payment platform so as to perform settlement processing on the merchant based on the payment resources obtained after the resources in the intermediate account are transferred.

Description

Settlement processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a settlement processing method and apparatus.

Background

With the continuous development and popularization of the internet, the mode of providing online services based on the internet is gradually applied to each service field, more and more service parties are provided for providing online services to users in each service field, and users often have certain concerns in the process of using the online services provided by the service parties, such as whether the online services can guarantee basic user rights and interests, whether corresponding problem solving channels exist when disputes occur around the online services, and whether problems can be timely and effectively solved, which also provides greater challenges for the service parties of the online services.

Disclosure of Invention

One or more embodiments of the present specification provide a settlement processing method including: acquiring an order to be paid of a member of the organization; and submitting the order to be paid based on the organization code of the organization to which the organization member belongs. And sending the order to be paid to a payment platform so as to transfer the resource from the institution account bound by the institution code to an intermediate account aiming at the order to be paid. And detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered. If yes, a settlement instruction is sent to the payment platform, so that settlement processing is carried out on the payment resources obtained after the resources in the intermediate account are transferred to the merchant.

One or more embodiments of the present specification provide another settlement processing method including: acquiring an order to be paid of an organization member sent by an organization code platform; and the order to be paid is sent based on the organization code of the organization to which the organization member belongs. And transferring the resource from the institution account bound by the institution code to an intermediate account aiming at the order to be paid. And responding to a settlement instruction sent by the organization code platform, and performing settlement processing on the merchant based on the payment resources obtained after the resources in the intermediate account are transferred. And sending the settlement instruction after detecting that the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered.

One or more embodiments of the present specification provide a settlement processing apparatus including: the payment order acquisition module is configured to acquire an order to be paid of a member of the institution; and submitting the order to be paid based on the organization code of the organization to which the organization member belongs. The payment order sending module is configured to send the order to be paid to a payment platform so as to transfer the resource from the institution account bound by the institution code to an intermediate account for the order to be paid. And the settlement condition detection module is configured to detect whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered. If so, operating a settlement instruction sending module, wherein the settlement instruction sending module is configured to send a settlement instruction to the payment platform so as to perform settlement processing on the merchant based on the payment resources obtained after the resource transfer in the intermediate account.

One or more embodiments of the present specification provide another settlement processing apparatus including: the payment order acquisition module is configured to acquire an order to be paid of an organization member sent by the organization code platform; and the order to be paid is sent based on the organization code of the organization to which the organization member belongs. And the resource transfer module is configured to transfer the resource from the institution account bound by the institution code to an intermediate account for the order to be paid. And the settlement processing module is configured to respond to a settlement instruction sent by the institution code platform and perform settlement processing on the payment resources obtained after the resource transfer in the intermediate account to the merchant. And sending the settlement instruction after detecting that the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered.

One or more embodiments of the present specification provide a settlement processing apparatus including: a processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: acquiring an order to be paid of a member of the organization; and submitting the order to be paid based on the organization code of the organization to which the organization member belongs. And sending the order to be paid to a payment platform so as to transfer the resource from the institution account bound with the institution code to the intermediate account for the order to be paid. And detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered. If so, sending a settlement instruction to the payment platform so as to perform settlement processing on the merchant based on the payment resources obtained after the resources in the intermediate account are transferred.

One or more embodiments of the present specification provide another settlement processing device including: a processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: acquiring an order to be paid of an organization member sent by an organization code platform; and the order to be paid is sent based on the organization code of the organization to which the organization member belongs. And transferring the resource from the institution account bound by the institution code to an intermediate account aiming at the order to be paid. And responding to a settlement instruction sent by the organization code platform, and performing settlement processing on the merchant based on the payment resources obtained after the resources in the intermediate account are transferred. And sending the settlement instruction after detecting that a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: acquiring an order to be paid of a member of the organization; and submitting the order to be paid based on the organization code of the organization to which the organization member belongs. And sending the order to be paid to a payment platform so as to transfer the resource from the institution account bound by the institution code to an intermediate account aiming at the order to be paid. And detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered. If yes, a settlement instruction is sent to the payment platform, so that settlement processing is carried out on the payment resources obtained after the resources in the intermediate account are transferred to the merchant.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed by a processor, implement the following flow: acquiring an order to be paid of an organization member sent by an organization code platform; and the order to be paid is sent based on the organization code of the organization to which the organization member belongs. And carrying out resource transfer from the institution account bound by the institution code to an intermediate account aiming at the order to be paid. And responding to a settlement instruction sent by the institution code platform, and performing settlement processing on the merchant based on the payment resources obtained after the resources in the intermediate account are transferred. And sending the settlement instruction after detecting that the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, 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 specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

fig. 1 is a processing flow diagram of a settlement processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a schematic diagram of a settlement process provided in one or more embodiments herein;

fig. 3 is a processing sequence diagram of a settlement processing method applied to a catering scenario according to one or more embodiments of the present disclosure;

fig. 4 is a flow diagram of another settlement processing method provided in one or more embodiments of the present specification;

FIG. 5 is a schematic diagram of a settlement processing device according to one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of another settlement processing device provided in one or more embodiments of the present disclosure;

fig. 7 is a schematic structural diagram of a settlement processing apparatus according to one or more embodiments of the present disclosure;

fig. 8 is a schematic structural diagram of another settlement processing device provided in one or more embodiments of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

An embodiment of a settlement processing method provided in this specification:

the settlement processing method provided by the embodiment can be applied to an organization code platform, and by matching with a payment platform, an order to be paid of an organization member submitted by an organization code based on the organization is sent to the payment platform, so that the payment platform performs resource transfer from an organization account bound with the organization code to an intermediate account for the order to be paid, sends a settlement instruction to the payment platform under the condition that a settlement condition for performing delayed resource settlement to a merchant from the intermediate account is triggered, and performs settlement processing on the payment platform to the merchant based on payment resources obtained after resource transfer, so that management of the payment resources for the organization member to pay the order to be paid is realized through the intermediate account, the safety of the payment resources is ensured, delayed resource settlement to the merchant is realized, the transaction risk between the organization member and the merchant is reduced, and the settlement processing is performed under the condition that the settlement condition is triggered, so that the consumption rights and interests of the organization member in the merchant are guaranteed, the service quality of the merchant is improved, and the participation enthusiasm of the organization member and the merchant is improved.

Referring to fig. 1, the settlement processing method provided in this embodiment specifically includes step S102 to step S108.

And step S102, obtaining orders to be paid of organization members.

The settlement processing method provided by the embodiment can be applied to an organization code platform, and the settlement processing method provided by the following embodiment can be applied to a payment platform, and the two are matched with each other in the execution process, so that the corresponding contents of the following method embodiment are referred to in the reading of the embodiment, and correspondingly, the corresponding contents of the following method embodiment are referred to in the reading of the embodiment.

In the present embodiment, an organization includes various organizations such as enterprises, institutions, and social groups, and further, the organization includes not only the local level organization but also an internal organization of the organization, such as a division or division of an enterprise. The organization members include organization personnel and related personnel.

The mechanism code of the mechanism refers to an identification code set by the mechanism for payment of mechanism members and the like, the mechanism code can uniquely identify the mechanism, the existence form of the mechanism code can be a two-dimensional code, a bar code, a sound code and other identification codes, and the mechanism members can realize payment through the mechanism code. In addition, the organization code can also be used for processing invoicing, reimbursement and the like, and can also be used for identifying the membership of the organization member in the organization, for example, the organization code is used as a digital employee card of an enterprise employee, and the enterprise employee can take benefits and subsidies issued by the enterprise for the voucher through the organization code.

Optionally, the institution code is bound with an institution account, the institution account includes a financial account opened by the institution on a payment platform, and the institution account is used for performing order payment on an order to be paid of a member of the institution, and in addition, the institution account may also be a financial account opened by the institution at another financial institution.

The mechanism code platform comprises a platform corresponding to a mechanism code application, and the mechanism code application can be an application program independently running on the terminal equipment or a sub-application program loaded on a third-party application for running. Wherein the third party application comprises an application corresponding to the payment platform. The payment platform comprises a platform corresponding to a payment application, and the payment application can be an application program independently running on the terminal equipment or a sub-application program carried on a third-party application for running.

In practical application, the institution member may implement payment in a merchant based on the institution code of the institution, that is, an order to be paid is submitted through the institution code of the institution, the merchant may be a catering merchant, a merchant providing commodity consumption, or a merchant providing other consumption services, such as hairdressing, beauty treatment, health care services, and the like, the order to be paid refers to an order generated by consumption of the institution member in the merchant, and the order to be paid includes a catering order to be paid, a commodity order to be paid, or a service order to be paid. The order to be paid may record the amount to be paid and/or the merchant account identifier, and the order to be paid may also record other types of information, such as commodity information, dish information, and consumption service information.

Optionally, the order to be paid is submitted based on the organization code of the organization to which the organization member belongs. On one hand, the organization member can go to an online store of the merchant to pay, and submits the order to be paid through the organization code displayed by the member terminal of the scanning organization member of the code scanning device configured by the merchant, and on the other hand, the order to be paid can also be submitted through the online payment and the organization account bound by the organization code. Optionally, the order to be paid is submitted by scanning the organization code displayed by the member terminal of the organization member through the code scanning device of the merchant, or is submitted based on jump data which is carried after jumping from the organization code service to the catering service and contains the account identifier of the organization account.

The mechanism code service comprises an application program independently running on the terminal equipment or a sub-application program which is carried on a third-party application to run. Wherein the third party application comprises an application corresponding to the payment platform. The organization code service may correspond to an organization code platform for processing orders to be paid for organization members. The catering service comprises a sub-application program loaded in the payment application, and can be a catering takeout service.

Before the order to be paid of the organization member is acquired and executed, the organization code platform can also acquire an organization code access request submitted by a member terminal of the organization member and issue the organization code of the organization to the member terminal so as to be displayed at the member terminal; the order to be paid is submitted after the organization code displayed by the member terminal is scanned through a code scanning device of a merchant; in addition, before the order to be paid of the organization member is acquired and executed, the catering platform can acquire a jump instruction which is submitted by the organization member and jumps from the organization code service to the catering service, wherein the jump instruction carries jump data containing an account identifier of the organization account; and submitting the order to be paid by the catering platform according to the account identifier of the institution account.

In this embodiment, the resource transfer processing is performed for the order to be paid, and the settlement processing is performed for the merchant, which can be implemented on the basis of agreement signing between the merchant and the payment platform, specifically, the merchant and the payment platform sign a resource agent agreement; after a merchant signs a resource agent agreement with a payment platform, an intermediate account is opened on the payment platform, wherein the intermediate account is used for acting (hosting) payment resources paid by organization members for orders to be paid, and optionally, the intermediate account is created on the payment platform after the merchant signs the resource agent agreement with the payment platform.

Specifically, after a merchant signs a resource agent agreement with a payment platform, the payment platform creates an intermediate account for the merchant, wherein the intermediate account is affiliated to the merchant, and the management authority of the intermediate account is affiliated to the payment platform, that is, the intermediate account is managed by the payment platform. The payment platform manages the payment resources in the intermediate account by the agent merchant based on a resource agent agreement signed with the merchant, under the condition, the payment resources paid by the mechanism members for the order to be paid are not directly transferred to the merchant account, but are transferred to the intermediate account firstly, and whether the payment resources are transferred to the merchant account is determined after a specific time, so that the consumption rights and interests of the mechanism members are guaranteed, and the fund security of the mechanism is guaranteed.

In addition, carry out resource transfer processing to the order of waiting to pay to and carry out settlement processing to the trade company, also can realize on the basis that institution, trade company and payment platform three party carry out three-party agreement and sign out, specifically, institution, trade company and payment platform three party carry out three-party agreement and sign out, include: the institution and the merchant sign a payment cooperation protocol, the institution and the payment platform sign a resource management protocol, and the merchant and the payment platform sign a resource agent protocol.

On the basis of agreement signing among the organization, the merchant and the payment platform, in the process that the organization member of the organization pays for the order to be paid, the payment resources transferred from the organization account are not directly transferred into the merchant account, but the payment resources transferred from the organization account are transferred into an intermediate account, and whether the payment resources are transferred into the merchant account is determined after a specific time.

Step S104, the order to be paid is sent to a payment platform, and the resource transfer from the institution account bound with the institution code to the intermediate account is carried out on the order to be paid.

After acquiring the to-be-paid order of the organization member, the organization code platform sends the to-be-paid order to a payment platform, so as to transfer resources for the to-be-paid order on the payment platform.

Optionally, the resource transfer is performed according to the amount to be paid recorded in the order to be paid. Specifically, the resource transfer is implemented in the following manner: transferring payment resources corresponding to the amount to be paid from the institution account to the intermediate account; and reading the amount to be paid from the order to be paid.

In addition, after the payment platform transfers the resource from the institution account to the intermediate account, the payment platform may further send a detection prompt to the institution code platform, so that the institution code platform executes the following step S106.

In addition, after the payment platform transfers the resources from the institution account to the intermediate account, the payment platform can further freeze the payment resources obtained after the resources in the intermediate account are transferred, and simultaneously send a detection prompt to the institution code platform, so that the institution code platform executes the following step S106.

In practical applications, the types of the orders to be paid are different, and the resource accounts for transferring resources may be different, for example, for the orders to be paid for public payment, resource transfer from the institution account to the intermediate account is performed; for the to-be-paid order of the individual payment, the resource transfer from the user account to the intermediate account is performed, and for this reason, in order to more effectively implement the resource transfer, step S104 may be replaced by sending the to-be-paid order to the payment platform, so as to perform the resource transfer from the institution account to the intermediate account for the to-be-paid order based on the order type of the to-be-paid order.

And step S106, detecting whether a settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered.

In the step, in order to promote a settlement process of performing settlement to a merchant, whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered is detected, that is, whether settlement processing is performed to the merchant based on the intermediate account is detected.

The delayed resource settlement in this embodiment includes delaying the resource settlement to the merchant. The settlement condition refers to a condition for settlement to the merchant based on the payment resource, and optionally, the settlement condition includes that confirmation information of the institution member for the payment order is acquired within a delay period or the delay period expires, that is, the settlement condition represents that the settlement is performed from the intermediate account to the merchant under the condition that the settlement condition is not triggered, that is, the settlement is not performed from the intermediate account to the merchant, so that the consumption right of the institution member at the merchant is effectively guaranteed through the delay resource settlement, and the merchant is urged to improve the product or service quality. Wherein the payment order is obtained after a resource transfer from an institution account to an intermediate account is performed for the order to be paid.

The delay time limit is a time limit set by the pointer for performing delay resource settlement on the merchant, for example, the delay time limit is 24 hours, the delay time limit for performing delay resource settlement on the merchant is 24 hours, settlement is not performed on the merchant within 24 hours, and settlement is performed on the merchant after 24 hours. In the process that the mechanism member submits the confirmation information aiming at the payment order, the confirmation information is submitted by triggering a confirmation control of a payment order page, the confirmation information comprises a confirmation request, the mechanism member submits the confirmation information aiming at the payment order, and the representative mechanism member does not have disagreement on the payment order.

When the payment order comprises a restaurant payment order, optionally, the settlement condition includes obtaining confirmation information of the restaurant payment order by the organization member or expiration of a delay period of the delay resource settlement.

In practical application, an organization member may have an objection for a payment order, for example, the organization member has an objection for dish information in the payment order, and for this purpose, in order to effectively solve an appeal of the organization member for the payment order, improve service experience of the organization member, enhance trust of the organization member for a merchant, provide a complaint channel for the organization member, the organization member may submit request information for the payment order, and the organization code platform may perform corresponding processing on the request information submitted by the organization member, in an optional implementation manner provided in this embodiment, if an execution result after detecting whether a settlement condition for performing delayed resource settlement from an intermediate account to the merchant is triggered to be executed is negative, the following operations are performed:

acquiring request information submitted by the organization member for a payment order;

determining the response type of the merchant for the request information, and performing resource transfer processing of specific resources corresponding to the specific resource amount according to the response type; optionally, the specific resource amount is determined according to the resource amount of the payment resource.

The amount of the specific resource can also be determined according to the resource amount of the payment resource and the request information, and the amount of the specific resource can be smaller than the resource amount of the payment resource, can also be equal to the resource amount of the payment resource, and can also be larger than the resource amount of the payment resource.

Optionally, the request information includes information about the payment order, for example, the request information includes information about the physical condition of the institution member after the meal and the medical treatment, and the response type includes a response type of the merchant responding to the request information, and the response type includes a first response type and/or a second response type.

If the result of the execution after detecting whether the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered to be executed is yes, the following step S108 is executed.

This embodiment describes in detail the process of performing resource transfer processing of a specific resource corresponding to the specific resource amount in two response types, respectively.

(1) First response type

In practical application, the merchant may or may not approve the request information submitted by the organization member, and in the case that the merchant approves the request information submitted by the organization member, that is, in the case that the request information submitted by the merchant for the organization member indicates confirmation, the resource return processing can be performed on the organization member, so that the customer appeal rate of the merchant is reduced.

In the process of performing the resource transfer processing of the specific resource corresponding to the specific resource amount according to the response type, in an optional implementation manner provided in this embodiment, if the response type is the first response type, a resource return instruction carrying the specific resource amount is sent to the payment platform, so as to perform resource return from the intermediate account to the institution account based on the specific resource; optionally, the first response type is determined based on a confirmation request of the merchant for the request information.

In the case that the specific resource amount is determined according to the resource amount of the payment resource, optionally, the specific resource amount is determined as follows: and calculating the product of the resource amount of the payment resource and the resource return proportion corresponding to the first response type as the specific resource amount. For example, in the first response type, the resource return ratio is 80%, the resource amount of the payment resource is 500 yuan, and the specific resource amount is 500 × 80% =400 yuan.

Further, in the case where the specific resource amount is determined according to the resource amount of the payment resource and the request information, the specific resource amount may be determined as follows: and determining a resource return proportion according to the request information, and calculating the product of the resource amount of the payment resource and the resource return proportion as the specific resource amount. Specifically, the process of determining the resource return ratio according to the request information is realized by determining the resource return level according to the request information and acquiring the resource return ratio corresponding to the resource return level. For example, the request information includes the physical symptoms of the members of the organization, but the members do not see the doctor and turn well, the resource return level is one grade, and the resource return proportion is 80%; the request information comprises the physical symptoms of the members of the organization, the members are transferred after hospitalization, the resource return level is two levels, and the resource return proportion is 150%.

Correspondingly, the payment platform performs the following operations: receiving a resource return instruction which carries a specific resource amount and is sent by the mechanism code platform; and performing resource return from the intermediate account to the institution account based on the specific resource corresponding to the specific resource amount.

It should be noted that, in the process of sending a resource returning instruction carrying a specific resource amount to the payment platform to return the resource from the intermediate account to the institution account based on the specific resource if the response type is the first response type, if the specific resource amount is higher than the resource amount of the payment resource, the payment platform transfers a transfer-out resource corresponding to the difference from the merchant account to the intermediate account according to the difference between the specific resource amount and the resource amount of the payment resource, and returns the payment resource and the transfer-out resource as the specific resource from the intermediate account to the institution account.

In addition, the process of performing the resource transfer processing of the specific resource corresponding to the specific resource amount according to the response type may be replaced by performing a cancellation mark on the payment order if the response type is the first response type, and sending a resource returning instruction carrying the specific resource amount to the payment platform after the cancellation mark, so as to perform resource returning from the intermediate account to the institution account based on the specific resource; the first response type is determined based on a confirmation request of the merchant for the request information, and forms a new implementation manner with other processing steps provided by the embodiment.

(2) Second response type

In the process of performing the resource transfer processing of the specific resource corresponding to the specific resource amount according to the response type, in an optional implementation manner provided by this embodiment, if the response type is the second response type, the merchant type is determined according to the merchant information carried in the objection request, and a feedback result of the request information is obtained based on the merchant type; performing resource transfer processing of the specific resource based on the feedback result; optionally, the second response type is determined based on the dispute request by the merchant for the request information.

The merchant information includes a merchant identifier, which may be an identifier for distinguishing merchants, such as a merchant name; the merchant type may comprise a merchant source type, such as a merchant type comprising an internal introduction type representing that the merchant is introduced by an internal member of a party managing the merchant, and an external introduction type representing that the merchant is introduced by an external member of a party managing the merchant.

Further, in an optional implementation manner provided by this embodiment, in the process of obtaining the feedback result of the request information based on the merchant type, the following operations are performed:

sending the request information and the merchant type to a service platform so as to distribute the request information to a service party corresponding to the merchant type for feedback processing of the request information;

and obtaining the feedback result obtained by feedback processing returned by the service platform.

Specifically, each merchant type corresponds to a respective service party, and is used for performing feedback processing, and optionally, the performing of the feedback processing of the request information includes returning a feedback result of the request information to the organization code platform by the service platform. The service platform refers to a platform for performing feedback processing of request information.

In the process of performing the resource transfer processing of the specific resource based on the feedback result, in an optional implementation manner provided by this embodiment, the following operations are performed: if the confirmation information of the organization member aiming at the feedback result is detected, synchronously settling instructions are sent to the payment platform so as to transfer the specific resource from the intermediate account to the merchant account; the particular resource comprises the payment resource.

The specific resource can be a payment resource or a resource smaller than the payment resource, and under the condition that the specific resource is smaller than the payment resource, the amount of the specific resource is determined by any one of the following modes: and determining according to the resource amount of the payment resource and the feedback processing parameter.

Specifically, in the process of determining the specific resource amount of the specific resource according to the resource amount of the payment resource, the product of the resource amount of the payment resource and the settlement proportion is used as the specific resource amount by determining the corresponding settlement proportion according to the second response type; in the process of determining the amount of the specific resource according to the resource amount of the payment resource and the feedback processing parameter, the settlement proportion is determined through the feedback processing parameter, and the product of the resource amount of the payment resource and the settlement proportion is used as the amount of the specific resource. The feedback processing parameter refers to a processing parameter for performing feedback processing on request information submitted by a mechanism member, and optionally, the feedback processing parameter includes a feedback processing duration.

According to the above example, the request information indicates that the body of the organization member is ill and has visited a doctor after having a meal, the feedback result aiming at the request information provides a doctor-seeking record and carries out corresponding compensation, the organization member submits confirmation information aiming at the feedback result, and the representative organization member approves the feedback information aiming at the request information.

Accordingly, the payment platform performs the following operations: receiving a settlement instruction synchronized with the organization code platform; the synchronous settlement instruction is generated after confirmation information of the feedback result of the organization member for the request information is detected; transferring a particular resource corresponding to a particular resource amount from the intermediary account to a merchant account; the particular resource comprises the payment resource.

In another optional implementation manner provided in this embodiment, in the process of performing resource transfer processing of a specific resource based on a feedback result, the following operations are performed: and if the confirmation information of the institution member for the feedback result is not detected, synchronizing a resource returning instruction containing the specific resource amount to the payment platform, so as to perform resource returning from the intermediate account to the institution account based on the specific resource.

The amount of a specific resource here may be determined on the one hand from the amount of the resource of the payment resource and on the other hand from the amount of the resource of the payment resource and the request information and/or the feedback processing parameters.

In a case that the amount of the specific resource is determined according to the amount of the resource for paying out the resource, optionally, the amount of the specific resource is determined by: and calculating the product of the resource amount of the payment resource and the resource return proportion corresponding to the second response type as the specific resource amount.

In the case where the amount of the specific resource is determined according to the amount of the resource of the payment resource and the request information and/or the feedback processing parameter, the amount of the specific resource may be determined by: and determining a resource return proportion according to the request information and/or the feedback processing parameters, and calculating the product of the resource amount of the payment resource and the resource return proportion as the specific resource amount. Specifically, the process of determining the resource return ratio according to the request information and/or the feedback processing parameter is implemented by determining a resource return level according to the request information and/or the feedback processing parameter and acquiring the resource return ratio corresponding to the resource return level.

In addition, on the basis of the resource transfer processing of the specific resource corresponding to the specific resource amount according to the response type, the delayed settlement state of the payment order can be further updated based on the resource transfer result; the payment order is in a delayed settlement state after resource transfer from the institution account to the intermediate account is carried out; the delayed settlement state refers to a state of delayed settlement for payment orders, and the payment orders comprise orders which are subjected to payment processing but are not settled to merchants;

specifically, in the process of updating the delayed settlement status of the payment order based on the resource transfer result, the following operations may be performed: if the response type is the first response type, updating the delayed settlement state of the payment order to be a revocation state after the resources are returned; or if the response type is the second response type, updating the delayed settlement state of the payment order to the settled state after the resource transfer.

In addition, step S106 may be replaced by detecting whether the resource transfer task of the intermediate account is triggered, and constitutes a new implementation manner with other processing steps provided in this embodiment; optionally, the resource transfer task includes a task of performing resource settlement from an intermediate account to a merchant, the resource transfer task is created after resource transfer from the institution account to the intermediate account is performed, and the resource transfer task is created by an institution code platform.

In addition, step S106 may also be replaced by detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered according to the detection prompt sent by the payment platform, and forming a new implementation manner with the other processing steps provided in this embodiment.

Step S108, sending a settlement instruction to the payment platform so as to perform settlement processing on the merchant based on the payment resources obtained after the resources in the intermediate account are transferred.

In the step, a settlement instruction is sent to the payment platform so as to settle the resources from the intermediate account to the merchant. The settlement instruction in this embodiment refers to a settlement instruction for performing settlement from an intermediate account to a merchant, and specifically, sends the settlement instruction to a payment platform when the settlement condition is triggered.

The settlement processing is carried out on the merchant under the condition that the settlement condition is triggered, namely, the settlement processing is carried out on the merchant under the condition that the confirmation information of the institution member for the payment order is acquired within the delay period or the delay period is expired, so that the restriction on the product or service quality provided by the merchant is realized, and for most payment orders, the settlement processing can be carried out on the merchant when the delay period is expired, the account period time is short, and the fund pressure of the merchant is avoided.

In specific implementation, when detecting that a settlement condition for performing delayed resource settlement from an intermediate account to a merchant is triggered, an institution code platform generates a settlement instruction and sends the settlement instruction to a payment platform, so that settlement processing is performed on the payment platform to the merchant based on payment resources in the intermediate account, and optionally, the settlement processing is performed based on the intermediate account and a merchant account identifier recorded in a payment order. Specifically, the settlement processing includes: reading a merchant account identifier recorded in the payment order, transferring the payment resources from the intermediate account, and transferring the transferred payment resources to a merchant account corresponding to the merchant account identifier, wherein the merchant account comprises a financial account opened by a merchant on a payment platform.

As shown in fig. 2, a schematic diagram of a settlement processing flow, where (a) is a schematic diagram of a resource flow direction, fig. (b) is a schematic diagram of a settlement processing flow, and fig. (c) is a schematic diagram of another settlement processing flow, where, as shown in fig. (b), an organization code platform obtains an order to be paid based on an organization code displayed by an organization member and sends the order to be paid to a payment platform, the payment platform performs resource transfer from an organization account to an intermediate account for the order to be paid, and the organization code platform sends a settlement instruction to the payment platform under a condition that a settlement condition for performing delayed resource settlement from the intermediate account to a merchant is triggered, and the payment platform performs resource transfer from the intermediate account to a merchant account, that is, the payment resource obtained after resource transfer from the organization account to the intermediate account is performed in the intermediate account is transferred to the merchant account. As shown in fig. c, the payment platform performs resource transfer from the institution account to the intermediate account for the to-be-paid order, and under the condition that a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered, if the merchant submits a confirmation request for request information of the payment order, resource return is performed to the institution account based on the payment resource obtained by resource transfer in the intermediate account, if the merchant submits an objection request for the request information of the payment order and a mechanism member submits confirmation information for a feedback result of the request information, and settlement processing is performed to the merchant based on the payment resource obtained by resource transfer in the intermediate account, that is, the payment resource obtained by resource transfer from the institution account to the intermediate account in the intermediate account is transferred to the merchant account; and if the merchant submits the objection request according to the request information of the payment order and the feedback result of the institution member according to the request information does not submit the confirmation information, returning the resources to the institution account based on the payment resources obtained by resource transfer in the intermediate account.

To sum up, in the settlement processing method provided in this embodiment, an to-be-paid order of an organization member obtained based on an organization code of the organization is sent to a payment platform, a resource transfer from an organization account to an intermediate account is performed on the to-be-paid order on the payment platform, and whether a settlement condition for performing a delayed resource settlement from the intermediate account to a merchant is triggered is detected to determine whether to send a settlement instruction to the payment platform, so as to implement the delayed resource settlement to the merchant and reduce a transaction risk between the organization member and the merchant; on the other hand, under the condition that the settlement condition is not triggered, resource transfer processing of specific resources corresponding to specific resource amounts is carried out through the response type of the merchant for request information submitted by the mechanism members, so that management of payment resources paid by the mechanism members for payment orders is realized through the intermediate account, the safety of the payment resources is ensured, the consumption rights and interests of the mechanism members in the merchant are guaranteed through settlement processing under the condition that the settlement condition is triggered, the service quality of the merchant is improved, and the participation enthusiasm of the mechanism members and the merchant is improved.

The settlement processing method provided in this embodiment is further described below by taking an application of the settlement processing method provided in this embodiment in a dining scenario as an example, and referring to fig. 3, the settlement processing method applied in the dining scenario specifically includes the following steps.

Step S302, catering orders to be paid of organization members submitted based on organization codes of the organizations are obtained.

And step S304, sending the catering order to be paid to a payment platform, and transferring the resource from the institution account bound with the institution code to the intermediate account according to the catering order to be paid.

And the payment platform transfers the resource from the institution account bound with the institution code to the intermediate account for the catering order to be paid.

Step S308, detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to the catering merchant is triggered;

if yes, sending a settlement instruction to the payment platform so as to perform settlement processing on the catering merchant based on the payment resources obtained after the resources in the intermediate account are transferred.

If not, step S310 to step S312 are executed.

Step S310, acquiring request information submitted by the institution members for catering payment orders.

And step S312, determining the response type of the catering merchant for the request information.

Step S314, if the response type is the first response type, a resource returning instruction carrying the specific resource amount is sent to the payment platform, so that the resource returning from the intermediate account to the institution account is carried out based on the specific resource.

And the payment platform responds to the resource returning instruction sent by the institution code platform and performs resource returning from the intermediate account to the institution account based on the specific resource.

The step S314 may be replaced by determining the merchant type according to the catering merchant information carried in the disagreement request if the response type is the second response type, obtaining a feedback result of the request information based on the merchant type, performing resource transfer processing of the specific resource based on the feedback result, and forming a new implementation manner with the other processing steps provided in this embodiment.

Specifically, in the process of obtaining the feedback result of the request information based on the merchant type, the request information and the merchant type are sent to the service platform, so that the request information is distributed to a service party corresponding to the merchant type to perform feedback processing on the request information; the feedback result obtained by feedback processing returned by the service platform is obtained;

if the confirmation information of the mechanism member aiming at the feedback result is detected, a settlement instruction is synchronously sent to the payment platform so as to transfer the specific resource from the intermediate account to the merchant account; if the confirmation information of the mechanism member for the feedback result is not detected, a resource returning instruction containing the specific resource amount is synchronously sent to the payment platform, and the resource returning from the intermediate account to the mechanism account is realized in a mode of carrying out resource returning from the intermediate account to the mechanism account based on the specific resource.

Another embodiment of a settlement processing method provided in this specification is as follows:

the settlement processing method provided by the embodiment can be applied to a payment platform, and through cooperation with an organization code platform, resource transfer from an organization account bound with an organization code to an intermediate account is performed for an acquired order to be paid of an organization member, and then settlement processing is performed on a merchant based on payment resources obtained after resource transfer in the intermediate account, so that management of the payment resources after payment is performed on the order to be paid by the organization member through the intermediate account, the security of the payment resources is ensured, delayed resource settlement to the merchant is realized, the transaction risk between the organization member and the merchant is reduced, through settlement processing performed under the condition that settlement conditions are triggered, the consumption rights and interests of the organization member in the merchant are guaranteed, the service quality of the merchant is improved, and the participation enthusiasm of the organization member and the merchant is improved.

Referring to fig. 4, the settlement processing method provided in this embodiment specifically includes steps S402 to S406.

Step S402, obtaining the order to be paid of the organization member sent by the organization code platform.

In the present embodiment, an organization includes various organizations such as enterprises, institutions, and social groups, and further, the organization includes not only the local level organization but also an internal organization of the organization, such as a division or division of an enterprise. The organization members include organization personnel and related personnel.

The mechanism code of the mechanism refers to an identification code set by the mechanism for payment of mechanism members and the like, the mechanism code can uniquely identify the mechanism, the existence form of the mechanism code can be identification codes such as two-dimensional codes, bar codes and sound codes, and the mechanism members can realize payment through the mechanism code. In addition, the organization code can also be used for processing invoicing, reimbursement and the like, and can also be used for identifying the membership of the organization member in the organization, for example, the organization code is used as a digital employee card of an enterprise employee, and the enterprise employee can obtain benefits and subsidies issued by the enterprise for the voucher through the organization code.

Optionally, the institution code is bound with an institution account, the institution account includes a financial account opened by the institution on a payment platform, the institution account is used for order payment for payment orders of institution members, and the institution account may also be a financial account opened by the institution at another financial institution.

The mechanism code platform comprises a platform corresponding to a mechanism code application, and the mechanism code application can be an application program independently running on the terminal equipment or a sub-application program carried on a third-party application to run. Wherein the third party application comprises an application corresponding to the payment platform. The payment platform comprises a platform corresponding to a payment application, and the payment application can be an application program independently running on terminal equipment or a sub-application program carried on a third-party application to run.

In practical application, an institution member may implement payment at a merchant based on an institution code of the institution, that is, an order to be paid is submitted through the institution code of the institution, the merchant may be a catering merchant, a merchant providing commodity consumption, or a merchant providing other consumption services, such as hairdressing, beauty treatment, health care services, and the like, the order to be paid refers to an order generated by the institution member consuming at the merchant, and the order to be paid includes a catering order to be paid, a commodity order to be paid, or a service order to be paid. The order to be paid may record the amount to be paid and/or the merchant account identifier, and the order to be paid may also record other types of information, such as commodity information, dish information, and consumption service information.

Optionally, the order to be paid is submitted based on the organization code of the organization to which the organization member belongs. On one hand, the organization member can go to an online store of the merchant to pay, and submits the order to be paid through the organization code displayed by the member terminal of the scanning organization member of the code scanning device configured by the merchant, and on the other hand, the order to be paid can also be submitted through the online payment and the organization account bound by the organization code. Optionally, the order to be paid is submitted by scanning the organization code displayed by the member terminal of the organization member through the code scanning device of the merchant, or is submitted based on jump data which is carried after jumping from the organization code service to the catering service and contains the account identifier of the organization account.

The mechanism code service comprises an application program independently operated on the terminal equipment or a sub-application program loaded on a third party application for operation. The third-party application comprises an application corresponding to the payment platform. The organization code service may correspond to an organization code platform for processing orders to be paid for organization members. The catering service comprises a sub-application program loaded in the payment application, and can be a catering takeout service.

Before the order to be paid of the organization member is acquired and executed, the organization code platform can also acquire an organization code access request submitted by a member terminal of the organization member and issue the organization code of the organization to the member terminal so as to be displayed at the member terminal; the order to be paid is submitted after the organization code displayed by the member terminal is scanned through the code scanning equipment of the merchant; in addition, before the order to be paid of the organization member is acquired and executed, the catering platform can acquire a jump instruction which is submitted by the organization member and jumps from the organization code platform to the catering platform, wherein the jump instruction carries jump data containing an account identifier of an organization account; and submitting the order to be paid by the catering platform according to the account identification of the institution account.

In this embodiment, the resource transfer processing is performed for the order to be paid, and the settlement processing is performed for the merchant, which can be implemented on the basis of agreement signing between the merchant and the payment platform, specifically, the merchant and the payment platform sign a resource agent agreement; after a resource agent agreement is signed between a merchant and a payment platform, an intermediate account is opened on the payment platform, wherein the intermediate account is used for carrying out agent (hosting) on payment resources paid by members of an organization aiming at an order to be paid, and optionally, the intermediate account is created on the payment platform after the resource agent agreement is signed between the merchant and the payment platform.

Specifically, after a merchant signs a resource agent agreement with a payment platform, the payment platform creates an intermediate account for the merchant, wherein the intermediate account is affiliated to the merchant, and the management authority of the intermediate account is affiliated to the payment platform, that is, the intermediate account is managed by the payment platform. The payment platform manages the payment resources in the intermediate account by the agent merchant based on a resource agent agreement signed with the merchant, under the condition, the payment resources paid by the organization members for the order to be paid are not directly transferred to the merchant account, but are transferred to the intermediate account firstly, and whether the payment resources are transferred to the merchant account is determined after a specific time, so that the consumption rights and interests of the organization members are guaranteed, and the fund security of the organization is guaranteed.

In addition, carry out resource transfer to the order of waiting to pay and handle to the merchant settlement, also can realize on the basis that institution, merchant and payment platform three-party carry out the three-party agreement and sign out, specifically, institution, merchant and payment platform three-party carry out the three-party agreement and sign out, include: the institution and the merchant sign a payment cooperation protocol, the institution and the payment platform sign a resource management protocol, and the merchant and the payment platform sign a resource agent protocol.

On the basis of agreement sign of an organization, a merchant and a payment platform, in the process that an organization member of the organization pays for an order to be paid, payment resources transferred from an organization account are not directly transferred to the merchant account, but the payment resources transferred from the organization account are transferred to an intermediate account, and whether the payment resources are transferred to the merchant account is determined after a specific time.

Step S404, the resource transfer from the institution account bound with the institution code to the intermediate account is carried out aiming at the order to be paid.

After the mechanism code platform acquires the to-be-paid orders of the mechanism members, the to-be-paid orders are sent to the payment platform, the payment platform acquires the to-be-paid orders sent by the mechanism code platform, the payment platform is a platform for resource transfer, and in the step, resource transfer from a mechanism account to an intermediate account is carried out on the to-be-paid orders.

Optionally, the resource transfer is performed according to the amount to be paid recorded in the order to be paid. Specifically, the resource transfer is realized by the following method: transferring payment resources corresponding to the amount to be paid from the institution account to the intermediate account; and reading the amount to be paid from the order to be paid.

In addition, after the payment platform transfers the resources from the institution account to the intermediate account, a detection prompt can be further sent to the institution code platform, so that the institution code platform executes an operation of detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered.

In addition, after the payment platform transfers the resources from the mechanism account to the intermediate account, the payment platform can further freeze the payment resources obtained after the resources in the intermediate account are transferred, and simultaneously sends a detection prompt to the mechanism code platform, so that the mechanism code platform executes the operation of detecting whether the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered.

Step S406, settlement processing is carried out on the payment resources obtained after the resources in the intermediate account are transferred to the merchant.

The payment platform transfers resources from the mechanism account to the intermediate account for the order to be paid acquired from the mechanism code platform, correspondingly, the mechanism code platform detects whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered, if so, a settlement instruction is sent to the payment platform, and settlement processing is performed on the merchant based on the payment resources acquired after the resources in the intermediate account are transferred.

In this embodiment, the delayed resource settlement includes delaying the resource settlement to the merchant. The settlement condition refers to a condition for settling accounts for the merchants based on the payment resources, and optionally, the settlement condition includes that confirmation information of the institution members for the payment orders is acquired within a delay period or the delay period expires, that is, the settlement condition represents that the delayed resource settlement is performed from the intermediate account to the merchants under the condition that the settlement condition is not triggered, that is, the settlement processing is not performed from the intermediate account to the merchants, so that the consumption rights and interests of the institution members at the merchants are effectively guaranteed through the delayed resource settlement, and the merchants are urged to perform the improvement of the product or service quality. And the payment order is obtained after resource transfer is carried out on the order to be paid.

The delay time limit is a time limit set by the pointer for performing delay resource settlement on the merchant, for example, the delay time limit is 24 hours, the delay time limit for performing delay resource settlement on the merchant is 24 hours, settlement is not performed on the merchant within 24 hours, and settlement is performed on the merchant after 24 hours. In the process that the mechanism member submits the confirmation information aiming at the payment order, the confirmation information is submitted by triggering a confirmation control of a payment order page, the confirmation information comprises a confirmation request, the mechanism member submits the confirmation information aiming at the payment order, and the representative mechanism member does not have disagreement on the payment order.

In a case that the payment order includes a restaurant payment order, optionally, the settlement condition includes obtaining confirmation information of the restaurant payment order by the organization member or expiration of a delay time limit of the delay resource settlement.

The settlement processing is carried out on the merchant under the condition that the settlement condition is triggered, namely, the settlement processing is carried out on the merchant under the condition that the confirmation information of the institution member for the payment order is obtained within the delay time limit or the delay time limit is expired, so that the constraint on the product or service quality provided by the merchant is realized, and for most payment orders, the settlement processing can be carried out on the merchant when the delay time limit is expired, so that the account time is short, and the fund pressure of the merchant is avoided.

In specific implementation, when detecting that a settlement condition for performing delayed resource settlement from an intermediate account to a merchant is triggered, an organization code platform may generate a settlement instruction and send the settlement instruction to a payment platform, so that settlement processing is performed on the payment platform based on payment resources in the intermediate account to the merchant, and optionally, the settlement processing is performed based on the intermediate account and a merchant account identifier recorded in the payment order. Specifically, the settlement processing includes: and reading the merchant account identifier recorded in the payment order, transferring the payment resource from the intermediate account, and transferring the transferred payment resource to the merchant account corresponding to the merchant account identifier.

In practical application, an organization member may have an objection for a payment order, for example, the organization member has an objection for dish information in the payment order, for this purpose, in order to effectively solve an appeal of the organization member for the payment order, improve service experience of the organization member, enhance trust of the organization member for a merchant, provide a complaint channel for the organization member, the organization member may submit request information for the payment order, and the organization code platform may perform corresponding processing on the request information submitted by the organization member, specifically, if an execution result of the organization code platform after detecting that a settlement condition for performing delayed resource settlement from an intermediate account to the merchant is triggered to be executed is negative, the following operations are performed:

acquiring request information submitted by an organization member aiming at a payment order;

determining the response type of the merchant for the request information, and performing resource transfer processing of specific resources corresponding to the specific resource amount according to the response type; optionally, the amount of the specific resource is determined according to the resource amount of the payment resource.

The amount of the specific resource can also be determined according to the amount of the resource of the payment resource and the request information, and the amount of the specific resource can be smaller than the amount of the resource of the payment resource, can also be equal to the amount of the resource of the payment resource, and can also be larger than the amount of the resource of the payment resource.

Optionally, the request information includes appeal information proposed by the institution member for the payment order, for example, the request information includes the institution member's body illness and hospitalization after eating, and the response type includes a response type of the merchant responding to the request information, and the response type includes a first response type and/or a second response type.

This embodiment describes in detail the process of resource transfer processing of a specific resource corresponding to a specific resource amount performed by the organization code platform in two response types, respectively.

(1) First response type

In practical application, the merchant may or may not approve the request information submitted by the organization member, and in the case that the request information submitted by the merchant for the organization member is approved, that is, the request information submitted by the merchant for the organization member indicates confirmation, the resource return processing can be performed on the organization member, so as to reduce the customer complaint rate of the merchant.

In the process of performing resource transfer processing on the specific resource corresponding to the specific resource amount according to the response type, if the response type is the first response type, the institution code platform sends a resource returning instruction carrying the specific resource amount to the payment platform so as to perform resource returning from the intermediate account to the institution account based on the specific resource; optionally, the first response type is determined based on a confirmation request of the merchant for the request information.

In a case that the amount of the specific resource is determined according to the amount of the resource for paying out the resource, optionally, the amount of the specific resource is determined by: and calculating the product of the resource amount of the payment resource and the resource return proportion corresponding to the first response type as the specific resource amount. For example, in the first response type, the resource withdrawal rate is 80%, the resource amount of the payment resource is 500 yuan, and the specific resource amount is 500 × 80% =400 yuan.

Further, in the case where the amount of the specific resource is determined according to the resource amount of the payment resource and the request information, the amount of the specific resource may be determined by: and determining a resource return proportion according to the request information, and calculating the product of the resource amount of the payment resource and the resource return proportion as a specific resource amount. Specifically, the process of determining the resource return ratio according to the request information is realized by determining the resource return level according to the request information and acquiring the resource return ratio corresponding to the resource return level. For example, the request information includes that the body of the organization member has symptoms, but the body of the organization member does not turn to the medical service, the resource return level is one grade, and the resource return proportion is 80%; the request information comprises the physical symptoms of the members of the organization, the members are transferred after hospitalization, the resource return level is two levels, and the resource return proportion is 150%.

Correspondingly, in an optional implementation manner provided by this embodiment, after resource transfer from an institution account to an intermediate account, which is bound to an institution code, is performed for a payment order, the payment platform performs the following operations: receiving a resource return instruction carrying a specific resource amount sent by the mechanism code platform; and performing resource returning from the intermediate account to the institution account based on the specific resource corresponding to the specific resource amount.

It should be noted that, in the process that the resource returning instruction carrying the specific resource amount is sent to the payment platform to return the resource from the intermediate account to the institution account based on the specific resource if the response type is the first response type, if the specific resource amount is higher than the resource amount of the payment resource, the payment platform transfers the transfer-out resource corresponding to the difference from the merchant account to the intermediate account according to the difference between the specific resource amount and the resource amount of the payment resource and transfers the transfer-out resource to the institution account as the specific resource.

In addition, the process of performing the resource transfer processing of the specific resource corresponding to the specific resource amount according to the response type may be replaced by performing a cancellation mark on the payment order if the response type is the first response type, and sending a resource returning instruction carrying the specific resource amount to the payment platform after the cancellation mark, so as to perform resource returning from the intermediate account to the institution account based on the specific resource; wherein the first response type is determined based on a confirmation request by the merchant for the requested information.

(2) Second response type

In the process of performing resource transfer processing on the specific resource corresponding to the specific resource amount according to the response type, if the response type is a second response type, the mechanism code platform determines a merchant type according to merchant information carried in the disagreement request, and obtains a feedback result of the request information based on the merchant type; performing resource transfer processing of the specific resource based on the feedback result; optionally, the second response type is determined based on the dispute request by the merchant for the request information.

Wherein the merchant information includes a merchant identifier, which may be an identifier for distinguishing a merchant, such as a merchant name; the merchant type may comprise a merchant source type, such as a merchant type comprising an internal introduction type representing that the merchant is introduced by an internal member of a party managing the merchant, and an external introduction type representing that the merchant is introduced by an external member of a party managing the merchant.

Further, in the process of obtaining the feedback result of the request information based on the merchant type, the organization code platform performs the following operations:

sending the request information and the merchant type to a service platform so as to distribute the request information to a service party corresponding to the merchant type to perform feedback processing on the request information;

and obtaining the feedback result obtained by feedback processing returned by the service platform.

Specifically, each merchant type corresponds to a respective service party, and is used for performing feedback processing, and optionally, the performing of the feedback processing of the request information includes returning a feedback result of the request information to the organization code platform by the service platform. The service platform refers to a platform for performing feedback processing of request information.

In the process of performing resource transfer processing of a specific resource based on the feedback result, the mechanism code platform performs the following operations: if the confirmation information of the organization member aiming at the feedback result is detected, synchronously settling instructions are sent to the payment platform so as to transfer the specific resource from the intermediate account to the merchant account; the particular resource comprises the payment resource.

The specific resource can be a payment resource or a resource smaller than the payment resource, and under the condition that the specific resource is smaller than the payment resource, the amount of the specific resource is determined by any one of the following modes: and determining according to the resource amount of the payment resource, and determining according to the resource amount of the payment resource and the feedback processing parameter.

Specifically, in the process of determining the specific resource amount of the specific resource according to the resource amount of the payment resource, the product of the resource amount of the payment resource and the settlement proportion is used as the specific resource amount by determining the corresponding settlement proportion according to the second response type; in the process of determining the amount of the specific resource according to the resource amount of the payment resource and the feedback processing parameter, the settlement proportion is determined through the feedback processing parameter, and the product of the resource amount of the payment resource and the settlement proportion is used as the amount of the specific resource. The feedback processing parameter refers to a processing parameter for performing feedback processing on request information submitted by a mechanism member, and optionally, the feedback processing parameter includes a feedback processing duration.

According to the above example, the request information is that the body of the organization member has a disease and has already visited a doctor after having a meal, the feedback result aiming at the request information is that a doctor-seeking record is provided and corresponding compensation is carried out, the organization member submits confirmation information aiming at the feedback result, and the organization member approves the feedback information aiming at the request information.

Correspondingly, in an optional implementation manner provided by this embodiment, after resource transfer from an institution account to an intermediate account, which is bound to an institution code, is performed for a payment order, the payment platform performs the following operations: receiving a settlement instruction synchronized by the organization code platform; the synchronous settlement instruction is generated after confirmation information of the feedback result of the organization member for the request information is detected; transferring a particular resource corresponding to a particular resource amount from the intermediary account to a merchant account; the particular resource comprises the payment resource.

In the process of performing resource transfer processing of a specific resource based on the feedback result, the mechanism code platform may further perform the following operations: and if the confirmation information of the institution member for the feedback result is not detected, synchronizing a resource returning instruction containing the specific resource amount to the payment platform, so as to perform resource returning from the intermediate account to the institution account based on the specific resource.

The amount of the specific resource here may be determined on the one hand from the amount of the resource of the payment resource and on the other hand from the amount of the resource of the payment resource and the request information and/or the feedback processing parameters.

In the case that the specific resource amount is determined according to the resource amount of the payment resource, optionally, the specific resource amount is determined as follows: and calculating the product of the resource amount of the payment resource and the resource return proportion corresponding to the second response type as the specific resource amount.

In the case where the amount of the specific resource is determined according to the amount of the resource of the payment resource and the request information and/or the feedback processing parameter, the amount of the specific resource may be determined by: and determining a resource return proportion according to the request information and/or the feedback processing parameters, and calculating the product of the resource amount of the payment resource and the resource return proportion as the specific resource amount. Specifically, the process of determining the resource return ratio according to the request information and/or the feedback processing parameter is implemented by determining a resource return level according to the request information and/or the feedback processing parameter and acquiring the resource return ratio corresponding to the resource return level.

In addition, on the basis of the resource transfer processing of the specific resource corresponding to the specific resource amount according to the response type, the mechanism code platform can further update the delayed settlement state of the payment order based on the resource transfer result; the payment order is in a delayed settlement state after resource transfer from the institution account to the intermediate account is carried out; the delayed settlement state refers to a state of delayed settlement for payment orders, and the payment orders comprise orders which are subjected to payment processing but are not settled to merchants.

As shown in fig. 2, a schematic diagram of a settlement processing flow, where (a) is a schematic diagram of a resource flow direction, fig. (b) is a schematic diagram of a settlement processing flow, and fig. (c) is a schematic diagram of another settlement processing flow, where, as shown in fig. (b), an organization code platform obtains an order to be paid based on an organization code displayed by an organization member and sends the order to be paid to a payment platform, the payment platform performs resource transfer from an organization account to an intermediate account for the order to be paid, and the organization code platform sends a settlement instruction to the payment platform under a condition that a settlement condition for performing delayed resource settlement from the intermediate account to a merchant is triggered, and the payment platform performs resource transfer from the intermediate account to a merchant account, that is, the payment resource obtained after resource transfer from the organization account to the intermediate account is performed in the intermediate account is transferred to the merchant account. As shown in fig. c, the payment platform performs resource transfer from the institution account to the intermediate account for the to-be-paid order, and under the condition that a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered, if the merchant submits a confirmation request for request information of the payment order, resource return is performed to the institution account based on the payment resource obtained by resource transfer in the intermediate account, if the merchant submits an objection request for the request information of the payment order and a mechanism member submits confirmation information for a feedback result of the request information, and settlement processing is performed to the merchant based on the payment resource obtained by resource transfer in the intermediate account, that is, the payment resource obtained by resource transfer from the institution account to the intermediate account in the intermediate account is transferred to the merchant account; and if the merchant submits the objection request aiming at the request information of the payment order and the feedback result of the institution member aiming at the request information does not submit the confirmation information, performing resource return to the institution account based on the payment resource obtained by resource transfer in the intermediate account.

The settlement processing method provided by the embodiment is further described below by taking an application of the settlement processing method provided by the embodiment in a catering scene as an example, and referring to fig. 3, the settlement processing method applied to the catering scene specifically includes the following steps.

The organization code platform acquires the restaurant order to be paid of the organization member submitted based on the organization code of the organization, and sends the restaurant order to be paid to the payment platform, so that the resource transfer from the organization account bound with the organization code to the middle account is carried out for the restaurant order to be paid.

And S306, transferring the resource from the institution account bound with the institution code to the intermediate account aiming at the catering order to be paid.

The organization code platform detects whether a settlement condition for performing delayed resource settlement from the intermediate account to the catering merchant is triggered; if the payment platform is the first response type, a resource returning instruction carrying a specific resource amount is sent to the payment platform, and resource returning from the intermediate account to the institution account is carried out based on the specific resource.

Step S316, in response to the resource returning instruction sent by the institution code platform, performing resource returning from the intermediate account to the institution account based on the specific resource.

Optionally, the specific resource includes a payment resource obtained after the resource transfer.

An embodiment of a settlement processing apparatus provided in the present specification is as follows:

in the above embodiment, a settlement processing method is provided, and a settlement processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of a settlement processing device provided in this embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and reference may be made to the corresponding description of the method embodiments provided above for relevant portions. The device embodiments described below are merely illustrative.

The present embodiment provides a settlement processing apparatus including:

a payment order acquisition module 502 configured to acquire an order to be paid for a member of an organization; submitting the order to be paid based on the organization code of the organization to which the organization member belongs;

a payment order sending module 504 configured to send the order to be paid to a payment platform, so as to perform resource transfer from the institution account bound to the institution code to an intermediate account for the order to be paid;

a settlement condition detection module 506 configured to detect whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered;

if yes, a settlement instruction sending module 508 is operated, and the settlement instruction sending module 508 is configured to send a settlement instruction to the payment platform, so as to perform settlement processing on the merchant based on the payment resources obtained after the resource transfer in the intermediate account.

Another embodiment of a settlement processing apparatus provided in this specification is as follows:

in the above embodiment, another settlement processing method is provided, and correspondingly, a settlement processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 6, a schematic diagram of a settlement processing device provided in this embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a settlement processing apparatus including:

a payment order obtaining module 602 configured to obtain an order to be paid of an organization member sent by an organization code platform; the order to be paid is sent based on the organization code of the organization to which the organization member belongs;

a resource transfer module 604 configured to perform resource transfer from the institution account bound to the institution code to an intermediate account for the order to be paid;

a settlement processing module 606 configured to perform settlement processing to the merchant based on the payment resource obtained after the resource transfer in the intermediate account in response to a settlement instruction sent by the organization code platform;

and sending the settlement instruction after detecting that the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered.

An embodiment of a settlement processing apparatus provided in the present specification is as follows:

corresponding to the settlement processing method described above, based on the same technical concept, one or more embodiments of the present specification further provide a settlement processing apparatus for executing the settlement processing method provided above, and fig. 7 is a schematic structural diagram of the settlement processing apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a settlement processing apparatus, including:

as shown in fig. 7, the settlement processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 701 and a memory 702, where one or more stored applications or data may be stored in the memory 702. Memory 702 may be, among other things, transient storage or persistent storage. The application program stored in memory 702 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the settlement processing device. Still further, processor 701 may be configured to communicate with memory 702 to execute a series of computer-executable instructions in memory 702 on the settlement processing device. The settlement processing apparatus may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input/output interfaces 705, one or more keyboards 706, and the like.

In one particular embodiment, the settlement processing apparatus comprises a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may comprise one or more modules, and each module may comprise a series of computer-executable instructions for the settlement processing apparatus, and the one or more programs configured to be executed by the one or more processors comprise computer-executable instructions for:

acquiring an order to be paid of a member of the organization; submitting the order to be paid based on the organization code of the organization to which the organization member belongs;

sending the order to be paid to a payment platform so as to transfer the resource from the institution account bound by the institution code to an intermediate account aiming at the order to be paid;

detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to a merchant is triggered;

if so, sending a settlement instruction to the payment platform so as to perform settlement processing on the merchant based on the payment resources obtained after the resources in the intermediate account are transferred.

Another embodiment of a settlement processing apparatus provided in this specification is as follows:

in response to another settlement processing method described above, based on the same technical concept, one or more embodiments of the present specification further provide a settlement processing apparatus for executing the provided settlement processing method, and fig. 8 is a schematic structural diagram of a settlement processing apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a settlement processing apparatus, including:

as shown in fig. 8, the settlement processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 801 and a memory 802, and one or more stored applications or data may be stored in the memory 802. Wherein the memory 802 may be a transient storage or a persistent storage. The application program stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a settlement processing device. Still further, processor 801 may be configured to communicate with memory 802 to execute a series of computer-executable instructions in memory 802 on a settlement processing device. The settlement processing apparatus may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input/output interfaces 805, one or more keyboards 806, and the like.

In a particular embodiment, the settlement processing apparatus comprises a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may comprise one or more modules, and each module may comprise a series of computer-executable instructions for the settlement processing apparatus, and the one or more programs configured to be executed by the one or more processors comprise computer-executable instructions for:

acquiring an order to be paid of an organization member sent by an organization code platform; the order to be paid is sent based on the organization code of the organization to which the organization member belongs;

performing resource transfer from the institution account bound by the institution code to an intermediate account aiming at the order to be paid;

in response to a settlement instruction sent by the organization code platform, performing settlement processing on a merchant based on the payment resources obtained after the resources in the intermediate account are transferred;

and sending the settlement instruction after detecting that the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered.

An embodiment of a storage medium provided in this specification is as follows:

in correspondence to the settlement processing method described above, based on the same technical idea, one or more embodiments of the present specification further provide a storage medium.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when the computer-executable instructions are executed by the processor, the following processes are implemented:

acquiring an order to be paid of a member of the organization; submitting the order to be paid based on the organization code of the organization to which the organization member belongs;

sending the order to be paid to a payment platform so as to transfer the resource from the institution account bound by the institution code to an intermediate account for the order to be paid;

detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to a merchant is triggered;

if yes, a settlement instruction is sent to the payment platform, so that settlement processing is carried out on the payment resources obtained after the resources in the intermediate account are transferred to the merchant.

It should be noted that the embodiment of a storage medium in this specification and the embodiment of a settlement processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not repeated.

Another storage medium embodiment provided in this specification is as follows:

in response to the above-described alternative settlement processing method, one or more embodiments of the present specification further provide a storage medium based on the same technical idea.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when the computer-executable instructions are executed by the processor, the following processes are implemented:

acquiring an order to be paid of an organization member sent by an organization code platform; the payment order is sent based on the organization code of the organization to which the organization member belongs;

performing resource transfer from the institution account bound by the institution code to an intermediate account aiming at the order to be paid;

in response to a settlement instruction sent by the organization code platform, performing settlement processing on a merchant based on the payment resources obtained after the resources in the intermediate account are transferred;

and sending the settlement instruction after detecting that the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered.

It should be noted that the embodiment related to another storage medium in this specification and the embodiment related to another settlement processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not repeated.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 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), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development, but the original code before compiling is also written in a specific Programming Language, which is called Hardware Description Language (HDL), and the HDL is not only one kind but many kinds, such as abll (Advanced boot Expression Language), AHDL (alternate hard Description Language), traffic, CUPL (computer universal Programming Language), HDCal (Java hard Description Language), lava, lola, HDL, PALASM, software, rhydl (Hardware Description Language), and vhul-Language (vhyg-Language), which is currently used in the field. It will also be apparent to those skilled in the art that hardware circuitry for implementing the logical method flows can be readily obtained by a mere need to program the method flows with some of the hardware description languages described above and into an integrated circuit.

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 storing 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 an embedded microcontroller, 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 conceived to be both a software module implementing the method and a structure within a hardware component.

The systems, apparatuses, modules or units described in the above embodiments may be specifically implemented by a computer chip or an entity, or implemented 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 functions of the various elements may be implemented in the same one or more pieces of software and/or hardware in practicing embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description 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 description has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. 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 non-transitory and non-transitory, removable and non-removable media, may implement 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 Discs (DVD) or other optical storage, magnetic cassettes, 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 phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of other like elements in a process, method, article, or apparatus comprising the element.

One or more embodiments of the present description 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. One or more embodiments of the specification 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 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 the other embodiments. In particular, as for the system embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and reference may be made to the partial description of the method embodiment for relevant points.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims (22)

1. A settlement processing method comprising:

acquiring an order to be paid of a member of the organization; submitting the order to be paid based on the organization code of the organization to which the organization member belongs;

sending the order to be paid to a payment platform so as to transfer the resource from the institution account bound by the institution code to an intermediate account for the order to be paid;

detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered;

if so, sending a settlement instruction to the payment platform so as to perform settlement processing on the merchant based on the payment resources obtained after the resources in the intermediate account are transferred.

2. The settlement processing method according to claim 1, wherein the intermediate account is created at the payment platform after the merchant enters into a resource broker agreement with the payment platform.

3. The settlement processing method according to claim 1, wherein if the execution result after the step of detecting whether the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is executed by the triggering step is negative, the following operation is performed:

acquiring request information submitted by the organization member aiming at the payment order;

determining the response type of the merchant for the request information, and performing resource transfer processing of specific resources corresponding to the specific resource amount according to the response type; the amount of the specific resource is determined according to the resource amount of the payment resource.

4. The settlement processing method according to claim 3, wherein the resource transfer processing of the specific resource corresponding to the specific resource amount according to the response type includes:

if the response type is a first response type, sending a resource returning instruction carrying the amount of the specific resource to the payment platform so as to return the resource from the intermediate account to the institution account based on the specific resource;

wherein a first response type is determined based on a confirmation request by the merchant for the request information.

5. The settlement processing method according to claim 3, wherein the resource transfer processing of the specific resource corresponding to the specific resource amount according to the response type includes:

if the response type is the second response type, determining the merchant type according to merchant information carried in the objection request, and acquiring a feedback result of the request information based on the merchant type;

performing resource transfer processing of the specific resource based on the feedback result;

wherein the second response type is determined based on the dispute request by the merchant for the request information.

6. The settlement processing method according to claim 5, wherein said obtaining a feedback result of said request information based on said merchant type comprises:

sending the request information and the merchant type to a service platform so as to distribute the request information to a service party corresponding to the merchant type to perform feedback processing on the request information;

and obtaining the feedback result obtained by feedback processing returned by the service platform.

7. The settlement processing method according to claim 5, said performing resource transfer processing of the specific resource based on the feedback result, comprising:

if the confirmation information of the mechanism member aiming at the feedback result is detected, synchronously settling instructions to the payment platform so as to transfer the specific resource from the intermediate account to a merchant account; the particular resource comprises the payment resource.

8. The settlement processing method according to claim 5, said performing resource transfer processing of the specific resource based on the feedback result, comprising:

and if the confirmation information of the institution member for the feedback result is not detected, synchronizing a resource returning instruction containing the specific resource amount to the payment platform, so as to perform resource returning from the intermediate account to the institution account based on the specific resource.

9. The settlement processing method according to claim 1, which is applied to an institution code platform;

and scanning the organization codes displayed by the member terminals of the organization members by the code scanning equipment of the merchant to submit the order to be paid.

10. The settlement processing method of claim 1, the order to be paid comprising a restaurant order to be paid;

the settlement condition comprises that confirmation information of the institution member for the payment order is acquired within a delay period or the delay period is expired.

11. The settlement processing method according to claim 1, wherein the resource transfer is performed in accordance with an amount to be paid recorded in the order to be paid;

the settlement processing is performed based on the intermediate account and the merchant account identifier recorded in the payment order.

12. A settlement processing method comprising:

acquiring an order to be paid of an organization member sent by an organization code platform; the order to be paid is sent based on the organization code of the organization to which the organization member belongs;

performing resource transfer from the institution account bound by the institution code to an intermediate account aiming at the order to be paid;

in response to a settlement instruction sent by the organization code platform, performing settlement processing on a merchant based on the payment resources obtained after the resources in the intermediate account are transferred;

and sending the settlement instruction after detecting that the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered.

13. The settlement processing method as claimed in claim 12, further comprising after the step of performing the institution account to intermediate account resource transfer of the institution code binding for the order to be paid is performed:

receiving a resource return instruction which carries a specific resource amount and is sent by the mechanism code platform;

and performing resource return from the intermediate account to the institution account based on the specific resource corresponding to the specific resource amount.

14. The settlement processing method according to claim 12, further comprising, after the step of performing the resource transfer of the institution account to intermediate account bound by institution code for the order to be paid is performed:

receiving a settlement instruction synchronized by the organization code platform; the synchronous settlement instruction is generated after confirmation information of the feedback result of the organization member for the request information is detected;

transferring a particular resource corresponding to a particular resource amount from the intermediary account to a merchant account; the particular resource comprises the payment resource.

15. The settlement processing method as claimed in claim 12, wherein the order to be paid is submitted by scanning the institution code displayed by the member terminal of the institution member by a code scanning device of the merchant.

16. The settlement processing method of claim 12, wherein the order to be paid comprises a restaurant order to be paid;

and the settlement condition comprises that confirmation information of the institution member for the catering order to be paid is acquired within a delay period or the delay period is expired.

17. A settlement processing apparatus comprising:

the order acquisition module is configured to acquire an order to be paid of a member of the organization; submitting the order to be paid based on the organization code of the organization to which the organization member belongs;

the order sending module is configured to send the order to be paid to a payment platform so as to transfer the resource from the institution account bound by the institution code to an intermediate account for the order to be paid;

the settlement condition detection module is configured to detect whether settlement conditions for performing delayed resource settlement from the intermediate account to the merchant are triggered;

and if so, operating a settlement instruction sending module, wherein the settlement instruction sending module is configured to send a settlement instruction to the payment platform so as to perform settlement processing on the merchant based on the payment resources obtained after the resources in the intermediate account are transferred.

18. A settlement processing apparatus comprising:

the order acquisition module is configured to acquire an order to be paid of an organization member sent by the organization code platform; the order to be paid is sent based on the organization code of the organization to which the organization member belongs;

the resource transfer module is configured to transfer the resource of the institution account bound with the institution code to an intermediate account for the order to be paid;

the settlement processing module is configured to respond to a settlement instruction sent by the organization code platform and perform settlement processing on a merchant based on the payment resources obtained after the resources in the intermediate account are transferred;

and sending the settlement instruction after detecting that the settlement condition for performing the delayed resource settlement from the intermediate account to the merchant is triggered.

19. A settlement processing apparatus comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

acquiring an order to be paid of a member of a mechanism; submitting the order to be paid based on the organization code of the organization to which the organization member belongs;

sending the order to be paid to a payment platform so as to transfer the resource from the institution account bound by the institution code to an intermediate account aiming at the order to be paid;

detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to a merchant is triggered;

if yes, a settlement instruction is sent to the payment platform, so that settlement processing is carried out on the payment resources obtained after the resources in the intermediate account are transferred to the merchant.

20. A settlement processing apparatus comprising:

a processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to:

acquiring an order to be paid of an organization member sent by an organization code platform; the order to be paid is sent based on the organization code of the organization to which the organization member belongs;

carrying out resource transfer from the institution account bound by the institution code to an intermediate account aiming at the order to be paid;

in response to a settlement instruction sent by the organization code platform, performing settlement processing on a merchant based on the payment resources obtained after the resources in the intermediate account are transferred;

and sending the settlement instruction after detecting that a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered.

21. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

acquiring an order to be paid of a member of the organization; submitting the order to be paid based on the organization code of the organization to which the organization member belongs;

sending the order to be paid to a payment platform so as to transfer the resource from the institution account bound by the institution code to an intermediate account for the order to be paid;

detecting whether a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered;

if yes, a settlement instruction is sent to the payment platform, so that settlement processing is carried out on the payment resources obtained after the resources in the intermediate account are transferred to the merchant.

22. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

acquiring an order to be paid of an organization member sent by an organization code platform; the order to be paid is sent based on the organization code of the organization to which the organization member belongs;

performing resource transfer from the institution account bound by the institution code to an intermediate account aiming at the order to be paid;

in response to a settlement instruction sent by the organization code platform, performing settlement processing on a merchant based on payment resources obtained after the resources in the intermediate account are transferred;

and sending the settlement instruction after detecting that a settlement condition for performing delayed resource settlement from the intermediate account to the merchant is triggered.

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