CN116109313A - Enterprise user payment method and device - Google Patents
Enterprise user payment method and device Download PDFInfo
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- CN116109313A CN116109313A CN202310135227.6A CN202310135227A CN116109313A CN 116109313 A CN116109313 A CN 116109313A CN 202310135227 A CN202310135227 A CN 202310135227A CN 116109313 A CN116109313 A CN 116109313A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The embodiment of the specification provides a payment method and device for enterprise users. The method comprises the following steps: the electronic payment platform receives a payment request for a first order sent by the transaction platform, wherein a buyer related to the first order is a first enterprise, and a seller is a second enterprise; determining a list of available payment modes based on at least one item of information in the first order; when the available payment mode list comprises a first mode and a second mode, a combined payment link is adopted to pay the first order, wherein the first mode requires a buyer bank to access an electronic payment platform, and the second mode requires a second enterprise to register an electronic registry in a partner bank of the electronic payment platform and associate the electronic registry with a seller bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry. The method can realize high availability of the funds transaction business of the buyer and the seller and convenient and safe funds transaction.
Description
Technical Field
One or more embodiments of the present description relate to the field of computers, and more particularly, to methods and apparatus for payment by business users.
Background
When enterprise users purchase on a transaction platform, the information flow of online and offline bill is disjointed with the funds flow paid offline, and certain difficulties are generated for the behaviors such as financial accounting and auditing. Meanwhile, both the first-order and the second-order are concerned about the risk of funds for both the buyer and the seller of the off-line payment.
At present, the payment scheme of enterprise users realizes on-line correlation of transaction background information and payment fund information of enterprise users through a single payment mode, avoids uncertainty brought by purchase and financial offline exchange information and manual input, and meets compliance requirements and safety of enterprise financial expenditure. Because the payment mode is single, the payment mode is not flexible enough, resulting in low service availability.
Accordingly, improved solutions are desired that enable high availability of buyer-seller funds transaction transactions, as well as convenient and safe funds transactions.
Disclosure of Invention
One or more embodiments of the present specification describe a payment method and apparatus for enterprise users that enables high availability of buyer-seller funds transaction transactions, as well as convenient and safe funds transactions.
In a first aspect, there is provided a payment method for an enterprise user, the method performed by an electronic payment platform, comprising:
Receiving a payment request for a first order sent by a transaction platform, wherein a buyer related to the first order is a first enterprise, and a seller is a second enterprise;
determining an available payment mode list corresponding to the first order according to at least one item of information in the first order;
when the available payment mode list comprises a first mode and a second mode, a combined payment link is adopted to pay the first order, wherein the first mode requires a buyer bank to access the electronic payment platform, and the second mode requires a second enterprise to register an electronic registry with a partner bank of the electronic payment platform and associate the electronic registry with a seller bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry.
In a possible implementation manner, the determining, according to at least one item of information in the first order, the available payment mode list corresponding to the first order includes:
determining a buyer bank and a seller bank according to the transaction time, the buyer, the seller or the transaction platform in the first order;
And determining the available payment mode list according to the buyer bank and the seller bank.
Further, the determining the buyer bank and the seller bank according to the transaction time, the buyer, the seller or the transaction platform in the first order includes:
matching with a plurality of preset channel decision rules according to the transaction time, buyer, seller or transaction platform in the first order;
and determining the buyer bank and the seller bank according to at least one channel decision rule successfully matched.
Further, the determining the buyer bank and the seller bank according to the transaction time, the buyer, the seller or the transaction platform in the first order includes:
matching with a plurality of preset channel decision rules according to the transaction time, buyer, seller or transaction platform in the first order;
determining an available payment list and/or an available collection list corresponding to the first order according to at least one channel decision rule successfully matched;
pushing the available payment line list and/or the available collection line list to a transaction platform so that the transaction platform is displayed to a buyer;
and receiving a selection instruction sent by the buyer, wherein the selection instruction is used for selecting one payment row in the available payment row list as the buyer bank and/or selecting one collection row in the available collection row list as the seller bank.
Further, the pushing the available payment line list and/or the available collection line list to the transaction platform comprises:
matching with a plurality of preset channel ordering rules according to the transaction time, buyer, seller or transaction platform in the first order;
determining a first ordering of each payment row in the available payment row list and/or a second ordering of each collection row in the available collection row list according to at least one channel ordering rule successfully matched;
pushing the available payment line list to a transaction platform according to the first order and/or the available collection line list according to the second order.
Further, the determining the available payment mode list according to the buyer banking and the seller banking includes:
judging whether the buyer bank accesses the electronic payment platform or not;
if the judgment result is that the buyer bank is accessed, judging whether the buyer bank is available or not;
if the judgment result is that the buyer bank is available, determining that an available payment mode list comprises the first mode;
judging whether the second enterprise registers the electronic registry in the cooperative bank and associates the electronic registry with a seller bank;
If yes, judging whether the seller bank is available; if so, determining that the list of available payment modes includes the second mode.
In one possible implementation, the causing transfer of the transaction funds by the buyer's bank to the seller's bank via the electronic registry includes:
sending a creation request to the partner bank to open a purchase and sale silence user for the first enterprise in the electronic registry;
receiving an account-entering notification sent by a partner bank, wherein the account-entering notification is used for indicating that the buyer bank has received transaction funds for the first order transfer;
after receiving the notification confirming receipt, sending a notification of the payment to the partner bank to cause it to transfer the transaction funds from the electronic registry to the associated seller's bank.
In one possible embodiment, the method further comprises:
and when the available payment mode list only comprises the first mode and does not comprise the second mode, paying the first order by adopting a first payment link corresponding to the first mode, wherein the first payment link enables transaction funds to be directly transferred from a buyer bank to a seller bank.
Further, the paying the first order by using the first payment link corresponding to the first mode includes:
pushing the first order to a buyer bank;
and after receiving the notice of confirming the receipt, sending a money requesting notice to the buyer bank so as to transfer the transaction funds to the seller bank.
In one possible embodiment, the method further comprises:
and when the available payment mode list only comprises the second mode and does not comprise the first mode, paying the first order by adopting a second payment link corresponding to the second mode, wherein the second payment link enables transaction funds to be transferred to a seller bank by a buyer bank through an electronic register, but does not push the first order to the buyer bank.
In a second aspect, a payment device for a corporate user is provided, the device being disposed on an electronic payment platform, comprising:
the receiving unit is used for receiving a payment request for a first order sent by the transaction platform, wherein a buyer related to the first order is a first enterprise, and a seller is a second enterprise;
the determining unit is used for determining an available payment mode list corresponding to the first order according to at least one item of information in the first order received by the receiving unit;
A payment unit configured to pay the first order using a combined payment link when the available payment mode list determined by the determination unit includes both a first mode that requires a buyer's bank to access the electronic payment platform and a second mode that requires a second corporation to register an electronic registry with a partner bank of the electronic payment platform and to associate it with a seller's bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry.
In a third aspect, there is provided a computer readable storage medium having stored thereon a computer program which, when executed in a computer, causes the computer to perform the method of the first aspect.
In a fourth aspect, there is provided a computing device comprising a memory having executable code stored therein and a processor which, when executing the executable code, implements the method of the first aspect.
Through the method and the device provided by the embodiment of the specification, the electronic payment platform firstly receives the payment request for the first order sent by the transaction platform, wherein the buyer related to the first order is a first enterprise, and the seller is a second enterprise; then, according to at least one item of information in the first order, determining an available payment mode list corresponding to the first order; finally, when the available payment mode list comprises a first mode and a second mode, a combined payment link is adopted to pay the first order, wherein the first mode requires a buyer bank to access the electronic payment platform, and the second mode requires a second enterprise to register an electronic registry in a cooperative bank of the electronic payment platform and associate the electronic registry to a seller bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry. From the above, in the embodiment of the specification, the first mode and the second mode are both conducive to realizing online correlation between transaction background information of enterprise users and payment fund information, so that uncertainty caused by exchange information and manual input under purchasing and finance lines is avoided, and compliance requirements and safety of enterprise financial expenditure are met; and simultaneously combining the first mode and the second mode to form a pay-and-pay mode covered by the all-bank channel, and dynamically determining a payment link based on determining an available payment mode list corresponding to the first order, so as to realize high service availability. In conclusion, the high availability of the funds transaction business of the buyer and the seller and the convenient and safe funds transaction can be realized.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic illustration of an implementation scenario of an embodiment disclosed herein;
FIG. 2 is a schematic illustration of an implementation scenario of another embodiment disclosed herein;
FIG. 3 is a schematic illustration of an implementation scenario of another embodiment disclosed herein;
FIG. 4 illustrates a flow chart of a payment method for an enterprise user, according to one embodiment;
FIG. 5 illustrates a schematic diagram of decision logic for payment decision capability, according to one embodiment;
fig. 6 shows a schematic block diagram of a payment device of an enterprise user according to one embodiment.
Detailed Description
The following describes the scheme provided in the present specification with reference to the drawings.
Fig. 1 is a schematic diagram of an implementation scenario of an embodiment disclosed in the present specification. The implementation scenario involves the payment of corporate users, which can use a single direct connection to pay for corporate online banking push mode. Referring to fig. 1, both the buyer and the seller belong to enterprises, wherein the buyer is an enterprise user rather than an individual user, the transaction platform is responsible for receiving the ordering request of the buyer, sending a payment submitting request to the fund platform, and the fund platform is responsible for executing processes such as online banking order pushing and money requesting. In the present description, the funding platform is also referred to as an electronic paymate. In the process of paying for public enterprises of a transaction platform, the problem that the order stream and the fund stream are not uniform is often encountered, and a plurality of troubles are caused for financial account making, compliance and the like. When the account is solved by pushing a bill to a public enterprise network bank, the fund platform needs to be accessed into hundreds of banks to completely cover the account requirements of payers. In practice, the fund platform is difficult to access hundreds of banks on the market, so that all buyer accounts of payment banks are difficult to cover, partial online and offline payment of buyers is liable to be generated, and the financial bill is not corresponding, so that the convenience is insufficient, and the availability of the fund transaction business of buyers and sellers is low.
Typically, the transfer of funds includes both instant check-out and vouch-for transactions.
Instant account-checking: the requestor pays the application once, completing the exchange of funds from the payer account to the payee account.
A guarantee transaction: the requester interacts with the payment service provider for a plurality of times, and the payment application stage completes the fund freezing of the account of the payer or the transfer to the escrow account; when the actual business flow reaches the requirement of paying money to the payee, the requester calls a money requesting interface to finish the thawing of the funds of the payer or transfer the funds from the escrow and transfer the funds from the payer account to the payee account; when the actual business flow does not need to be paid to the payee, the requester calls a pre-authorization revocation interface to finish the thawing of the funds of the payer or the transfer of the funds from the depositor.
And (3) asking for money: in a vouch-for transaction scenario, the two phases complete the operational actions of the payer's funds thawing or transfer from the escrow and transfer from the payer's account to the payee's account.
In embodiments of the present description, a wagering transaction may be employed to secure a funds transaction.
Fig. 2 is a schematic diagram of an implementation scenario of another embodiment disclosed in the present specification. The implementation scenario involves the payment of business users, which may be paid in a single checkout to account for a paymate mode. Referring to fig. 2, both the buyer and the seller belong to an enterprise, wherein the buyer is an enterprise user rather than a personal user, the transaction platform is responsible for receiving an order request of the buyer, and sending a submit payment request to the fund platform, which is responsible for performing processes such as asking for money. In the present description, the funding platform is also referred to as an electronic paymate. In the process of paying for public enterprises of a transaction platform, the problem that the order stream and the fund stream are not uniform is often encountered, and a plurality of troubles are caused for financial account making, compliance and the like. When the settlement is achieved through the cash-receiving and cash-entering mode, sellers can establish a special purpose electronic register at a partner bank of the electronic payment platform to receive cash, so that the problem of compliance of accounts at the receiving and paying end and the safety of the guaranteed funds transaction are solved. Because the mode needs to collect more materials of the seller enterprises, the online electronic register opening is complicated, the sellers possibly do not register the electronic register, the convenience is insufficient for the sellers, and the availability of funds transaction services of the buyers and sellers is low.
Wherein, account is taken: and after receiving the fund account, the bank account actively informs the platform of the account-out amount and the behavior of related information.
Electronic registers, also called customer registers or funds registers: the sub-account provided by the bank is mounted to a certain main account, and meanwhile, the public settlement account of the commercial bank is associated, and the fund clearing and settlement service is provided.
Silence user: the account name of each seller's customer register is also the seller's business name, but for each transaction buyer's opening, the account name in the buyer's printed payment receipt is the account name of the silent user.
A main account: and opening the deposit account by a banking entity unit.
Customer settlement accounts: the banking scope is not limited to public basic users or general users.
In the embodiment of the specification, corresponding silencers can be set up for buyers and sellers, which is called buying and selling silencers.
Fig. 3 is a schematic diagram of an implementation scenario of another embodiment disclosed in the present specification. The implementation scenario involves the payment of corporate users, which can be made in combination with the two payment funds modes described above for the online banking bill pushing mode and the coming-account payment mode. Referring to fig. 3, both the buyer and the seller belong to an enterprise, wherein the buyer is an enterprise user rather than a personal user, the transaction platform is responsible for receiving an order request of the buyer, and sending a submit payment request to the fund platform, the payment decision platform is responsible for making a payment routing decision, and the fund platform is responsible for performing processes such as requesting money. In the embodiments of the present description, the funding platform is also referred to as an electronic paymate, and the payment decision platform may be integrated in the electronic paymate. In the process of paying for public enterprises of a transaction platform, the problem that the order stream and the fund stream are not uniform is often encountered, and a plurality of troubles are caused for financial account making, compliance and the like. According to the embodiment of the specification, through combining two payment fund modes, the convenient payment requirement of a buyer can be met, the safe fund collection requirement of a seller can also be met, through introducing the capability of payment decision, the available payment fund mode is decided, the financial convenience can be provided for the buyer, the compliance and the fund safety guarantee of the transaction of the buyer and the seller can also be supported, and the availability of the fund transaction service of the buyer and the seller is high.
It should be noted that the embodiments of the present disclosure relate to each party such as a transaction platform, an electronic payment platform, a buyer bank, a seller bank, and the like, where each party may be implemented as any device, platform, server, or device cluster having computing and processing capabilities. Through interaction processing among all parties, payment of the buyer for the order is realized.
Fig. 4 illustrates a flowchart of a payment method for an enterprise user, which may be based on the implementation scenarios illustrated in fig. 1-3, performed by an electronic paymate, according to one embodiment. As shown in fig. 4, the payment method of the enterprise user in this embodiment includes the following steps: step 41, receiving a payment request for a first order sent by a transaction platform, wherein a buyer related to the first order is a first enterprise, and a seller is a second enterprise; step 42, determining an available payment mode list corresponding to the first order according to at least one item of information in the first order; step 43, when the available payment mode list includes both a first mode and a second mode, a combined payment link is used to pay the first order, wherein the first mode requires a buyer's bank to access the electronic payment platform, and the second mode requires a second corporation to register an electronic registry with a partner bank of the electronic payment platform and associate it with a seller's bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry. Specific implementations of the above steps are described below.
First, in step 41, a payment request for a first order is received, where the first order involves a buyer that is a first corporation and a seller that is a second corporation. It will be appreciated that the buyer first places an order for the first order at the trading platform and then submits payment to the electronic payment platform via the trading platform, i.e. sends a payment request for the first order to the electronic payment platform via the trading platform.
This step 41 may correspond to, for example, a 2-submitted payment in fig. 1, or a 6-submitted payment in fig. 2, or a 6-submitted payment in fig. 3.
Then, in step 42, a list of available payment modes corresponding to the first order is determined according to at least one item of information in the first order. It will be appreciated that the first order will typically be populated with a plurality of items of information, such as time of transaction, buyer, seller or transaction platform.
In one example, the determining, according to at least one item of information in the first order, the available payment mode list corresponding to the first order includes:
determining a buyer bank and a seller bank according to the transaction time, the buyer, the seller or the transaction platform in the first order;
And determining the available payment mode list according to the buyer bank and the seller bank.
Further, the determining the buyer bank and the seller bank according to the transaction time, the buyer, the seller or the transaction platform in the first order includes:
matching with a plurality of preset channel decision rules according to the transaction time, buyer, seller or transaction platform in the first order;
and determining the buyer bank and the seller bank according to at least one channel decision rule successfully matched.
Further, the determining the buyer bank and the seller bank according to the transaction time, the buyer, the seller or the transaction platform in the first order includes:
matching with a plurality of preset channel decision rules according to the transaction time, buyer, seller or transaction platform in the first order;
determining an available payment list and/or an available collection list corresponding to the first order according to at least one channel decision rule successfully matched;
pushing the available payment line list and/or the available collection line list to a transaction platform so that the transaction platform is displayed to a buyer;
and receiving a selection instruction sent by the buyer, wherein the selection instruction is used for selecting one payment row in the available payment row list as the buyer bank and/or selecting one collection row in the available collection row list as the seller bank.
Further, the pushing the available payment line list and/or the available collection line list to the transaction platform comprises:
matching with a plurality of preset channel ordering rules according to the transaction time, buyer, seller or transaction platform in the first order;
determining a first ordering of each payment row in the available payment row list and/or a second ordering of each collection row in the available collection row list according to at least one channel ordering rule successfully matched;
pushing the available payment line list to a transaction platform according to the first order and/or the available collection line list according to the second order.
Further, the determining the available payment mode list according to the buyer banking and the seller banking includes:
judging whether the buyer bank accesses the electronic payment platform or not;
if the judgment result is that the buyer bank is accessed, judging whether the buyer bank is available or not;
if the judgment result is that the buyer bank is available, determining that an available payment mode list comprises the first mode;
judging whether the second enterprise registers the electronic registry in the cooperative bank and associates the electronic registry with a seller bank;
If yes, judging whether the seller bank is available; if so, determining that the list of available payment modes includes the second mode.
It will be appreciated that the list of available payment modes, i.e. the judgment of the payment decision capability, is determined.
Fig. 5 illustrates a schematic diagram of decision logic for payment decision capability according to one embodiment. Referring to fig. 5, by introducing the capability of payment decision making, the available fund mode is decided based on whether the payor is an access party, the availability of the payor, whether the payee opens a fund register, whether the payee is available, and the like, which not only provides financial convenience to the buyer, but also supports realization of compliance and fund security of transactions between the buyer and the seller, thereby achieving high availability of the public enterprise fund transaction service. It will be appreciated that the payment action is a bank in which funds are transferred when a buyer pays for an order, the payee is a seller, and the collection action is a bank in which funds are transferred when a seller pays for an order. In addition, the conditions under which the available funds mode is determined may also include whether a partner bank is available, and the like.
Finally, in step 43, when the available payment mode list includes both a first mode and a second mode, a combined payment link is used to pay the first order, wherein the first mode requires a buyer's bank to access the electronic payment platform, and the second mode requires a second corporation to register an electronic registry with a partner bank of the electronic payment platform and associate it with a seller's bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry. It will be appreciated that the first mode corresponds to the online banking order pushing mode, the second mode corresponds to the online charging payment mode, and the combined payment link may correspond to the implementation scenario shown in fig. 3.
In the embodiment of the present disclosure, when the available payment mode list includes both the first mode and the second mode, the supportable payment modes include three modes, that is, the first mode, the second mode and the combined mode, it is understood that the combined mode is a mode in which the first mode and the second mode are combined. The first mode corresponds to a first payment link, the second mode corresponds to a second payment link, and the combined mode corresponds to a combined payment link. Optionally, the first order may be paid by default using a combined payment link; or, three payment modes or three payment links are displayed to the user, and the user selects the specifically adopted payment link for paying the first order. The combined payment link is more beneficial to realizing convenient and safe fund transaction, and when three payment modes or three payment links are displayed, the combined mode or the combined payment link is highlighted and recommended to a user to select to use the combined payment link. The manner of highlighting may include, but is not limited to, ordering first, etc.
In one example, the causing transfer of the transaction funds by the buyer's bank to the seller's bank via the electronic registry comprises:
Sending a creation request to the partner bank to open a purchase and sale silence user for the first enterprise in the electronic registry;
receiving an account-entering notification sent by a partner bank, wherein the account-entering notification is used for indicating that the buyer bank has received transaction funds for the first order transfer;
after receiving the notification confirming receipt, sending a notification of the payment to the partner bank to cause it to transfer the transaction funds from the electronic registry to the associated seller's bank.
In one example, the method further comprises:
and when the available payment mode list only comprises the first mode and does not comprise the second mode, paying the first order by adopting a first payment link corresponding to the first mode, wherein the first payment link enables transaction funds to be directly transferred from a buyer bank to a seller bank.
In this example, the first payment link may correspond to the implementation scenario shown in fig. 1.
Further, the paying the first order by using the first payment link corresponding to the first mode includes:
pushing the first order to a buyer bank;
and after receiving the notice of confirming the receipt, sending a money requesting notice to the buyer bank so as to transfer the transaction funds to the seller bank.
In one example, the method further comprises:
and when the available payment mode list only comprises the second mode and does not comprise the first mode, paying the first order by adopting a second payment link corresponding to the second mode, wherein the second payment link enables transaction funds to be transferred to a seller bank by a buyer bank through an electronic register, but does not push the first order to the buyer bank.
In this example, the second payment link may correspond to the implementation scenario shown in fig. 2.
Through the method provided by the embodiment of the specification, the electronic payment platform firstly receives a payment request for a first order sent by the transaction platform, wherein a buyer related to the first order is a first enterprise, and a seller is a second enterprise; then, according to at least one item of information in the first order, determining an available payment mode list corresponding to the first order; finally, when the available payment mode list comprises a first mode and a second mode, a combined payment link is adopted to pay the first order, wherein the first mode requires a buyer bank to access the electronic payment platform, and the second mode requires a second enterprise to register an electronic registry in a cooperative bank of the electronic payment platform and associate the electronic registry to a seller bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry. From the above, in the embodiment of the specification, the first mode and the second mode are both conducive to realizing online correlation between transaction background information of enterprise users and payment fund information, so that uncertainty caused by exchange information and manual input under purchasing and finance lines is avoided, and compliance requirements and safety of enterprise financial expenditure are met; and simultaneously combining the first mode and the second mode to form a pay-and-pay mode covered by the all-bank channel, and dynamically determining a payment link based on determining an available payment mode list corresponding to the first order, so as to realize high service availability. In conclusion, the high availability of the funds transaction business of the buyer and the seller and the convenient and safe funds transaction can be realized.
According to another embodiment, a payment device of the enterprise user is further provided, and the device is arranged on the electronic payment platform and is used for executing the method provided by the embodiment shown in fig. 4 of the specification. Fig. 6 shows a schematic block diagram of a payment device of an enterprise user according to one embodiment. As shown in fig. 6, the apparatus 600 includes:
a receiving unit 61, configured to receive a payment request for a first order sent by a transaction platform, where a buyer related to the first order is a first enterprise, and a seller is a second enterprise;
a determining unit 62, configured to determine, according to at least one item of information in the first order received by the receiving unit 61, an available payment mode list corresponding to the first order;
a first payment unit 63, configured to pay the first order using a combined payment link when the available payment mode list determined by the determination unit 62 includes both a first mode and a second mode, where the first mode requires a buyer's bank to access the electronic payment platform, and the second mode requires a second corporation to register an electronic registry with a partner bank of the electronic payment platform and associate it with a seller's bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry.
Alternatively, as an embodiment, the determining unit 62 includes:
a first determining subunit, configured to determine a buyer bank and a seller bank according to the transaction time, the buyer, the seller or the transaction platform in the first order;
and the second determining subunit is used for determining the available payment mode list according to the buyer bank and the seller bank determined by the first determining subunit.
Further, the first determining subunit includes:
the first matching module is used for matching with a plurality of preset channel decision rules according to the transaction time, the buyer, the seller or the transaction platform in the first order;
the first determining module is used for determining the buyer bank and the seller bank according to at least one channel decision rule successfully matched by the first matching module.
Further, the first determining subunit includes:
the second matching module is used for matching with a plurality of preset channel decision rules according to the transaction time, the buyer, the seller or the transaction platform in the first order;
the second determining module is used for determining an available payment list and/or an available collection list corresponding to the first order according to at least one channel decision rule successfully matched by the second matching module;
The sending module is used for pushing the available payment list and/or the available collection list determined by the second determining module to a transaction platform so that the transaction platform can be displayed to a buyer;
and the receiving module is used for receiving a selection instruction sent by the buyer, wherein the selection instruction is used for selecting one payment row in the available payment row list as the buyer bank and/or selecting one collection row in the available collection row list as the seller bank.
Further, the sending module is specifically configured to match with a plurality of preset channel ordering rules according to the transaction time, the buyer, the seller or the transaction platform in the first order; determining a first ordering of each payment row in the available payment row list and/or a second ordering of each collection row in the available collection row list according to at least one channel ordering rule successfully matched; pushing the available payment line list to a transaction platform according to the first order and/or the available collection line list according to the second order.
Further, the second determining subunit includes:
the first judging module is used for judging whether the buyer bank accesses the electronic payment platform or not;
The second judging module is used for judging whether the buyer bank is available or not if the judging result of the first judging module is accessed;
a third determining module, configured to determine that the available payment mode list includes the first mode if the determination result of the second determining module is that the buyer bank is available;
a third judging module for judging whether the second enterprise registers the electronic register at the partner bank and associates it to a seller bank;
a fourth judging module, configured to judge whether the seller bank is available if the judging result of the third judging module is yes;
and the fourth determining module is used for determining that the available payment mode list comprises the second mode if the judging result of the fourth judging module is available.
In one example, the first payment unit 63 includes:
a sending subunit, configured to send a creation request to the partner bank, so that the creation request opens a purchase and sale quiet user for the first enterprise in the electronic registry;
a receiving subunit, configured to receive an account entry notification sent by a partner bank, where the account entry notification is used to indicate that the buyer bank has received a transaction fund for the first order transfer;
The sending subunit is further configured to send a notification of the request to the partner bank after the receiving subunit receives the notification of confirming the receipt, so that the receiving subunit transfers the transaction funds from the electronic registry to the associated seller bank.
In one example, the apparatus further comprises:
and the second payment unit is used for paying the first order by adopting a first payment link corresponding to the first mode when the available payment mode list only comprises the first mode and does not comprise the second mode, and the first payment link enables transaction funds to be directly transferred from a buyer bank to a seller bank.
Further, the second payment unit is specifically configured to push the first order to a buyer bank; and after receiving the notice of confirming the receipt, sending a money requesting notice to the buyer bank so as to transfer the transaction funds to the seller bank.
In one example, the apparatus further comprises:
and the third payment unit is used for paying the first order by adopting a second payment link corresponding to the second mode when the available payment mode list only comprises the second mode and does not comprise the first mode, and the second payment link enables the transaction funds to be transferred to the seller bank by the buyer bank through the electronic register book but does not push the first order to the buyer bank.
Through the device provided in the embodiment of the present disclosure, the receiving unit 61 of the electronic payment platform first receives a payment request for a first order sent by the transaction platform, where a buyer involved in the first order is a first enterprise, and a seller is a second enterprise; then, the determining unit 62 determines an available payment mode list corresponding to the first order according to at least one item of information in the first order; finally, when the available payment mode list includes both a first mode and a second mode, the first payment unit 63 pays the first order by using a combined payment link, wherein the first mode requires that the buyer's bank access the electronic payment platform, and the second mode requires that the second corporation register an electronic registry with the partner bank of the electronic payment platform and associates it with the seller's bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry. From the above, in the embodiment of the specification, the first mode and the second mode are both conducive to realizing online correlation between transaction background information of enterprise users and payment fund information, so that uncertainty caused by exchange information and manual input under purchasing and finance lines is avoided, and compliance requirements and safety of enterprise financial expenditure are met; and simultaneously combining the first mode and the second mode to form a pay-and-pay mode covered by the all-bank channel, and dynamically determining a payment link based on determining an available payment mode list corresponding to the first order, so as to realize high service availability. In conclusion, the high availability of the funds transaction business of the buyer and the seller and the convenient and safe funds transaction can be realized.
According to an embodiment of another aspect, there is also provided a computer-readable storage medium having stored thereon a computer program which, when executed in a computer, causes the computer to perform the method described in connection with fig. 4.
According to an embodiment of yet another aspect, there is also provided a computing device including a memory having executable code stored therein and a processor that, when executing the executable code, implements the method described in connection with fig. 4.
Those skilled in the art will appreciate that in one or more of the examples described above, the functions described in the present invention may be implemented in hardware, software, firmware, or any combination thereof. When implemented in software, these functions may be stored on or transmitted over as one or more instructions or code on a computer-readable medium.
The foregoing embodiments have been provided for the purpose of illustrating the general principles of the present invention in further detail, and are not to be construed as limiting the scope of the invention, but are merely intended to cover any modifications, equivalents, improvements, etc. based on the teachings of the invention.
Claims (13)
1. A method of payment for a business user, the method performed by an electronic paymate, comprising:
receiving a payment request for a first order sent by a transaction platform, wherein a buyer related to the first order is a first enterprise, and a seller is a second enterprise;
determining an available payment mode list corresponding to the first order according to at least one item of information in the first order;
when the available payment mode list comprises a first mode and a second mode, a combined payment link is adopted to pay the first order, wherein the first mode requires a buyer bank to access the electronic payment platform, and the second mode requires a second enterprise to register an electronic registry with a partner bank of the electronic payment platform and associate the electronic registry with a seller bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry.
2. The method of claim 1, wherein the determining the list of available payment modes corresponding to the first order based on at least one item of information in the first order comprises:
Determining a buyer bank and a seller bank according to the transaction time, the buyer, the seller or the transaction platform in the first order;
and determining the available payment mode list according to the buyer bank and the seller bank.
3. The method of claim 2, wherein the determining buyer and seller banks based on the transaction time, buyer, seller or transaction platform in the first order comprises:
matching with a plurality of preset channel decision rules according to the transaction time, buyer, seller or transaction platform in the first order;
and determining the buyer bank and the seller bank according to at least one channel decision rule successfully matched.
4. The method of claim 2, wherein the determining buyer and seller banks based on the transaction time, buyer, seller or transaction platform in the first order comprises:
matching with a plurality of preset channel decision rules according to the transaction time, buyer, seller or transaction platform in the first order;
determining an available payment list and/or an available collection list corresponding to the first order according to at least one channel decision rule successfully matched;
Pushing the available payment line list and/or the available collection line list to a transaction platform so that the transaction platform is displayed to a buyer;
and receiving a selection instruction sent by the buyer, wherein the selection instruction is used for selecting one payment row in the available payment row list as the buyer bank and/or selecting one collection row in the available collection row list as the seller bank.
5. The method of claim 4, wherein pushing the list of available paylines and/or list of available collections to a transaction platform comprises:
matching with a plurality of preset channel ordering rules according to the transaction time, buyer, seller or transaction platform in the first order;
determining a first ordering of each payment row in the available payment row list and/or a second ordering of each collection row in the available collection row list according to at least one channel ordering rule successfully matched;
pushing the available payment line list to a transaction platform according to the first order and/or the available collection line list according to the second order.
6. The method of claim 2, wherein the determining the list of available payment patterns from the buyer and seller banks comprises:
Judging whether the buyer bank accesses the electronic payment platform or not;
if the judgment result is that the buyer bank is accessed, judging whether the buyer bank is available or not;
if the judgment result is that the buyer bank is available, determining that an available payment mode list comprises the first mode;
judging whether the second enterprise registers the electronic registry in the cooperative bank and associates the electronic registry with a seller bank;
if yes, judging whether the seller bank is available; if so, determining that the list of available payment modes includes the second mode.
7. The method of claim 1, wherein the causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry comprises:
sending a creation request to the partner bank to open a purchase and sale silence user for the first enterprise in the electronic registry;
receiving an account-entering notification sent by a partner bank, wherein the account-entering notification is used for indicating that the buyer bank has received transaction funds for the first order transfer;
after receiving the notification confirming receipt, sending a notification of the payment to the partner bank to cause it to transfer the transaction funds from the electronic registry to the associated seller's bank.
8. The method of claim 1, wherein the method further comprises:
and when the available payment mode list only comprises the first mode and does not comprise the second mode, paying the first order by adopting a first payment link corresponding to the first mode, wherein the first payment link enables transaction funds to be directly transferred from a buyer bank to a seller bank.
9. The method of claim 8, wherein said paying for the first order with the first payment link corresponding to the first mode comprises:
pushing the first order to a buyer bank;
and after receiving the notice of confirming the receipt, sending a money requesting notice to the buyer bank so as to transfer the transaction funds to the seller bank.
10. The method of claim 1, wherein the method further comprises:
and when the available payment mode list only comprises the second mode and does not comprise the first mode, paying the first order by adopting a second payment link corresponding to the second mode, wherein the second payment link enables transaction funds to be transferred to a seller bank by a buyer bank through an electronic register, but does not push the first order to the buyer bank.
11. A payment device for a corporate user, the device disposed on an electronic payment platform, comprising:
the receiving unit is used for receiving a payment request for a first order sent by the transaction platform, wherein a buyer related to the first order is a first enterprise, and a seller is a second enterprise;
the determining unit is used for determining an available payment mode list corresponding to the first order according to at least one item of information in the first order received by the receiving unit;
a payment unit configured to pay the first order using a combined payment link when the available payment mode list determined by the determination unit includes both a first mode that requires a buyer's bank to access the electronic payment platform and a second mode that requires a second corporation to register an electronic registry with a partner bank of the electronic payment platform and to associate it with a seller's bank; the combined payment link includes pushing the first order to the buyer's bank and causing transfer of transaction funds by the buyer's bank to the seller's bank via the electronic registry.
12. A computer readable storage medium having stored thereon a computer program which, when executed in a computer, causes the computer to perform the method of any of claims 1-10.
13. A computing device comprising a memory having executable code stored therein and a processor, which when executing the executable code, implements the method of any of claims 1-10.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310135227.6A CN116109313A (en) | 2023-02-17 | 2023-02-17 | Enterprise user payment method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310135227.6A CN116109313A (en) | 2023-02-17 | 2023-02-17 | Enterprise user payment method and device |
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| Publication Number | Publication Date |
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| CN116109313A true CN116109313A (en) | 2023-05-12 |
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|---|---|---|---|
| CN202310135227.6A Pending CN116109313A (en) | 2023-02-17 | 2023-02-17 | Enterprise user payment method and device |
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| Country | Link |
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| CN (1) | CN116109313A (en) |
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- 2023-02-17 CN CN202310135227.6A patent/CN116109313A/en active Pending
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