CN116402511A - Resource settlement method and device, electronic equipment and storage medium - Google Patents

Resource settlement method and device, electronic equipment and storage medium Download PDF

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Publication number
CN116402511A
CN116402511A CN202310403338.0A CN202310403338A CN116402511A CN 116402511 A CN116402511 A CN 116402511A CN 202310403338 A CN202310403338 A CN 202310403338A CN 116402511 A CN116402511 A CN 116402511A
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China
Prior art keywords
settlement
settled
authenticated
resource
payer
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CN202310403338.0A
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Chinese (zh)
Inventor
王慧群
李晟
朱江
梁爱民
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Guangxi Tongjian Joint Measurement Technology Co ltd
Haohuo Suzhou Digital Technology Co ltd
Shaoxing Xulan Technology Co ltd
Xiamen Minjian Technology Co ltd
Guangxi Normal University
Original Assignee
Guangxi Tongjian Joint Measurement Technology Co ltd
Haohuo Suzhou Digital Technology Co ltd
Shaoxing Xulan Technology Co ltd
Xiamen Minjian Technology Co ltd
Guangxi Normal University
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Priority to CN202310403338.0A priority Critical patent/CN116402511A/en
Publication of CN116402511A publication Critical patent/CN116402511A/en
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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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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

Abstract

The invention discloses a resource settlement method, a device, electronic equipment and a storage medium, wherein the method comprises the following steps: acquiring information to be paid sent by an authenticated payer, and determining a target settlement mode corresponding to the authenticated payer; determining available settlement resources corresponding to the authenticated payer, and determining to-be-settled resources corresponding to the authenticated payer according to the to-be-paid information; and when the to-be-settled resources are smaller than the usable settlement resources, performing resource settlement on the corresponding to-be-settled users based on the target settlement mode. The method solves the problems of complex operation and low settlement efficiency when the resource settlement is carried out in the flexible user field, and achieves the effects of carrying out settlement management on the user to be settled in the flexible industry and improving the settlement efficiency.

Description

Resource settlement method and device, electronic equipment and storage medium
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a method and apparatus for resource settlement, an electronic device, and a storage medium.
Background
The flexible employment industry is quite wide, and the employment mode and settlement rules of each industry are different, so that the resource settlement of users is quite inconvenient.
At present, when resource settlement is performed on users in each flexible industry, corresponding settlement rules are usually formulated for different flexible industries so as to perform resource settlement on corresponding users. However, such a calculation method is difficult to flexibly adapt to various flexible industry, which results in complex operation and low settlement efficiency when settling the user's resources.
In order to solve the above problems, improvements are required for the manner of resource settlement.
Disclosure of Invention
The invention provides a resource settlement method, a device, electronic equipment and a storage medium, which are used for solving the problems of complex operation and low settlement efficiency when resource settlement is carried out in the flexible user field.
In a first aspect, an embodiment of the present invention provides a resource settlement method, including:
acquiring information to be paid sent by an authenticated payer, and determining a target settlement mode corresponding to the authenticated payer; the target settlement mode comprises at least one of a settlement mode based on a bank account and a settlement mode based on a third party account, and the information to be paid comprises at least one user to be settled and information to be settled corresponding to each user to be settled;
Determining available settlement resources corresponding to the authenticated payer, and determining to-be-settled resources corresponding to the authenticated payer according to the to-be-paid information;
and when the to-be-settled resources are smaller than the usable settlement resources, performing resource settlement on the corresponding to-be-settled users based on the target settlement mode.
In a second aspect, an embodiment of the present invention further provides a resource settlement apparatus, including:
the target settlement mode determining module is used for acquiring the information to be paid sent by the authenticated payer and determining a target settlement mode corresponding to the authenticated payer; the target settlement mode comprises at least one of a settlement mode based on a bank account and a settlement mode based on a third party account, and the information to be paid comprises at least one user to be settled and information to be settled corresponding to each user to be settled;
the to-be-settled resource determining module is used for determining available settlement resources corresponding to the authenticated payer and determining to-be-settled resources corresponding to the authenticated payer according to the to-be-paid information;
and the resource settlement module is used for carrying out resource settlement on the corresponding user to be settled based on the target settlement mode when the resource to be settled is smaller than the usable settlement resource.
In a third aspect, an embodiment of the present invention further provides an electronic device, including:
at least one processor; and
a memory communicatively coupled to the at least one processor; wherein, the liquid crystal display device comprises a liquid crystal display device,
the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the resource settlement method according to any one of the embodiments of the present invention.
In a fourth aspect, an embodiment of the present invention further provides a computer readable storage medium, where computer instructions are stored, where the computer instructions are configured to cause a processor to execute the resource settlement method according to any one of the embodiments of the present invention.
According to the technical scheme, the to-be-paid information sent by the authenticated payer is obtained, the target settlement mode corresponding to the authenticated payer is determined, at least one to-be-settled user corresponding to the authenticated payer and to-be-settled information corresponding to each settlement user can be determined according to the to-be-paid information, and the target settlement mode can be determined according to the settlement priority preset by the authenticated payer. And determining usable settlement resources corresponding to the authenticated payer, determining to-be-settled resources corresponding to the authenticated payer according to the to-be-paid information, obtaining the usable settlement resources corresponding to the authenticated payer according to the stored resources of the authenticated payer and the usable settlement proportion, and determining to-be-settled resources corresponding to the authenticated payer according to the sum of to-be-settled sub-resources corresponding to each to-be-settled user. Further, when the to-be-settled resource is smaller than the usable settlement resource, performing resource settlement on the corresponding to-be-settled users based on the target settlement mode, and performing corresponding resource settlement on the to-be-settled users after performing identity authentication on the to-be-settled users. The method solves the problems of complex operation and low settlement efficiency when the resource settlement is carried out in the flexible user field, and achieves the effects of carrying out settlement management on the user to be settled in the flexible industry and improving the settlement efficiency.
It should be understood that the description in this section is not intended to identify key or critical features of the embodiments of the invention or to delineate the scope of the invention. Other features of the present invention will become apparent from the description that follows.
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, and it is apparent that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a flowchart of a resource settlement method according to a first embodiment of the present invention;
fig. 2 is a schematic structural diagram of a resource settlement apparatus according to a second embodiment of the present invention;
fig. 3 is a schematic structural diagram of a resource settlement apparatus according to a third embodiment of the present invention;
fig. 4 is a schematic structural diagram of an electronic device for implementing the resource settlement method provided by the embodiment of the invention.
Detailed Description
In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein.
Before the technical scheme is elaborated, an application scene of the technical scheme is simply introduced so as to more clearly understand the technical scheme. With the development of society, economy and science and technology, more and more industries have developed flexible employment phenomena, which are caused by that the demand curve of an enterprise party to staff presents a wave crest and wave trough state due to the variation of living and working habits of people. For example, when an enterprise develops a project, after the project is completed, the project participants have a high probability of not being suitable for the next starting project, thus requiring recruitment of another batch of people for the next project, but no specific work is available for the project personnel that are currently completed. For example, some seasonal employment enterprises require a large number of personnel in a certain period of time, but the employment demands are greatly reduced when seasons pass. For example, some lines with time characteristics (such as the catering industry) may have increased labor demands during certain periods, and the labor demands during these periods may be significantly reduced, e.g., each restaurant may be very busy during a meal period, requiring a large number of employees to provide the restaurant's meal and take-out demands. For individuals, more and more free practitioners are in society, whether high-tech personnel, professionals in certain industries, or industries such as catering, home administration, maintenance and the like, and many individuals like to freely select work which can be done in a short period of time. That is, the flexible industry is many and complex, and thus, resource settlement for flexible staff is very inconvenient for enterprises.
In general, an enterprise side will manage a resource settlement service for a third party resource settlement platform, 2, for the third party resource settlement platform, for different types of industries or enterprises with flexible employment, due to the working properties of the flexible employment, unified management cannot be performed on all industries or enterprises within the management range, and different settlement modes or settlement templates are usually required to be formulated for different enterprises. When flexible labor settlement of a plurality of enterprises is required to be managed, the operation is very complicated, the settlement efficiency is low, and the requirement on flexible labor settlement cannot be met. Based on the above, the technical scheme provides a settlement mode aiming at the flexible labor field, so that the flexible labor of enterprises in the management range can be managed uniformly by a third party resource settlement platform conveniently.
Example 1
Fig. 1 is a flowchart of a resource settlement method according to an embodiment of the present invention, where the method may be applied to a situation of performing settlement management on a user to be settled in a flexible industry and improving settlement efficiency, and the method may be performed by a resource settlement device, where the resource settlement device may be implemented in a form of hardware and/or software, and the resource settlement device may be configured in a computing device that may perform the resource settlement method.
As shown in fig. 1, the method includes:
s110, obtaining information to be paid sent by the authenticated payer, and determining a target settlement mode corresponding to the authenticated payer.
In practical application, the technical scheme provides a resource settlement mode for a third party resource settlement platform according to the industry characteristics of the flexible labor field. By authenticated payors is understood either a employment or business party that has agreed to a partnership with a third party resource settlement platform. Generally, the authenticated payer stores a certain amount of available settlement resources in the third-party resource settlement platform, and then the third-party resource settlement platform performs resource settlement for the corresponding user to be settled according to the information to be paid sent by the authenticated payer. The to-be-paid information is to-be-settled information sent by the authenticated payment party to the third party resource settlement platform, and the to-be-paid information comprises at least one to-be-settled user which is required to be subjected to resource settlement by the authenticated payment party and to-be-settled information corresponding to each to-be-settled user, such as to-be-settled amount. The target settlement means includes at least one of a settlement means based on a bank account and a settlement means based on a third party account. The bank account settlement mode can be understood as a mode that a third party resource settlement platform establishes corresponding resource management agreements with a banking institution and an authenticated payment party in advance so that the third party resource settlement platform invokes the resource settlement mode that the authenticated payment party stores in the banking institution for the user to be settled, for example, the authenticated payment party establishes special funds in the banking institution, and when the user to be settled needs to perform resource settlement, the third party resource settlement platform can use the special funds to perform resource settlement for each user to be settled. In addition, the authenticated payer can also pre-establish a fund account on the third-party resource settlement platform, and the fund account is specially used for resource settlement of the user to be settled related to flexible employment. The settlement method based on the third party account can be understood as a method that the third party resource settlement platform directly calls the resources in the fund account which is set up by the authenticated payer and used for the flexible and labor-saving resource settlement to carry out the resource settlement on each user to be settled.
Specifically, when the authenticated payer needs to perform resource settlement on the user to be settled, the information to be paid can be sent to the third-party resource settlement platform, and after the information to be paid sent by the authenticated payer is received, a target settlement mode corresponding to the authenticated payer is determined, so that each user to be settled in the information to be paid performs resource settlement based on the target settlement mode.
Optionally, before obtaining the information to be paid sent by the authenticated payer and determining the target settlement mode corresponding to the authenticated payer, the method further includes: when a resource settlement request sent by a payment party to be authenticated is detected, performing risk assessment on the payment party to be authenticated to obtain corresponding risk assessment attributes; and if the risk assessment attribute meets the risk assessment detection condition, determining that the to-be-authenticated payer is an authenticated payer.
The payment party to be authenticated can be understood as an enterprise party or a worker party who wants to establish a cooperative relationship with the third party resource settlement platform so as to perform resource settlement on the user to be settled which uses flexible labor based on the third party resource settlement platform. Before establishing a cooperative relationship with the payment party to be authenticated, the third party resource settlement platform needs to perform risk assessment on the payment party to be authenticated in order to ensure that the payment party to be authenticated has enough resources to perform resource settlement on users needing settlement. The risk assessment attribute can be used for representing the resource security degree of the to-be-authenticated payer, and the higher the risk assessment attribute, the higher the resource settlement risk of the to-be-authenticated payer to the user to be settled is, otherwise, the lower the risk assessment attribute, the lower the resource settlement risk of the to-be-settled user is. That is, the lower the risk assessment attribute of the to-be-authenticated payer, the higher the resource security of the to-be-authenticated payer. The risk assessment detection condition may be used to determine whether the party to be authenticated may be the detection condition of the authenticated payment square according to the risk assessment attribute.
Specifically, when a resource settlement request sent by a payment party to be authenticated is received, in order to determine whether the payment party to be authenticated has a resource security risk, risk assessment needs to be performed on the payment party to be authenticated. For example, a running record, a business record, a fixed asset, a flowing fund, etc. of the to-be-authenticated payer may be obtained, and it is determined whether the to-be-authenticated payer is stable in business, so as to comprehensively perform risk assessment on the to-be-authenticated payer, and determine whether the to-be-authenticated payer has a capability of continuously performing resource settlement for the to-be-settled user. After determining the risk assessment attribute corresponding to the to-be-authenticated payer, if the risk assessment attribute is greater than the risk assessment attribute threshold, determining that the to-be-authenticated payer meets the risk assessment detection condition, establishing a cooperative relationship with the to-be-authenticated payer, and determining the to-be-authenticated payer as an authenticated payer.
The method has the advantages that if the to-be-paid party needs to carry out resource payment by the third party resource settlement platform due to the fact that funds are not transferred, if the risk assessment attribute of the to-be-authenticated payment party is low, namely, the to-be-authenticated payment party is determined to have high safety through historical operation records or credit levels of the to-be-authenticated payment party and certain repayment capability, the to-be-authenticated payment party is taken as the authenticated payment party, and then after a corresponding resource payment agreement is established, the third party resource settlement platform carries out resource payment to the authenticated payment party so as to carry out resource settlement for a corresponding to-be-settled user.
Optionally, determining the target settlement means corresponding to the authenticated payer includes: determining at least one settlement mode to be used corresponding to the authenticated payer, and determining the settlement priority corresponding to each settlement mode to be used; based on the settlement priority, a target settlement means corresponding to the authenticated payer is determined.
The settlement mode to be used can comprise a settlement mode based on a bank account, a settlement mode based on a third party account and the like. The settlement priority may be understood as a settlement manner set according to a settlement order set by the authenticated payer, and if the authenticated payer sets a settlement manner based on the third-party account as a first settlement manner and sets a settlement manner based on the bank account as a second settlement manner, the corresponding settlement priority may be determined based on the settlement order set by the authenticated payer.
Specifically, when the authenticated payer establishes cooperation with the third-party resource settlement platform, at least one settlement mode to be used can be set at the third-party resource settlement platform, and corresponding settlement priorities are set for each settlement mode to be used, so that when the third-party resource settlement platform performs resource settlement on corresponding users to be settled, corresponding target settlement modes are determined according to the settlement priorities.
In an exemplary embodiment, a settlement mode based on a third party account is set as a first settlement mode, and a settlement mode based on a bank account is set as a second settlement mode, so that when the third party resource settlement platform performs resource settlement, the storage resources of the storage account of the authenticated payer on the third party resource settlement platform are preferentially used for performing resource settlement on each user to be settled. If the third party account has insufficient resources, the bank account-based settlement mode can be adopted in order to carry out resource settlement. If the bank account of the authenticated payer is insufficient in resources, the first settlement mode and the second settlement mode can be overlapped to perform resource settlement, and if the resource settlement requirement cannot be met, the authenticated payer needs to be informed to perform resource settlement processing.
It should be noted that, the above settlement method is, for example, set according to the actual situation in the actual application process, and is not limited herein.
S120, determining available settlement resources corresponding to the authenticated payer, and determining to-be-settled resources corresponding to the authenticated payer according to the to-be-paid information.
Among them, the usable settlement resource is understood to be a resource which is stored in advance by the authenticated payer and can be used for settlement of a flexible labor-saving resource, and for example, the usable settlement resource corresponds to a certain resource settlement amount. A resource to be settled may be understood as a resource for which an authenticated payer needs to settle the resource to at least one user to be settled.
Specifically, the available settlement resources of the authenticated payer can be determined according to the resource information in the fund account of the user to be settled, which is pre-established by the authenticated payer. When the information to be paid is received, the resource to be settled corresponding to the authenticated payer can be determined according to the information to be settled in the information to be paid.
Optionally, determining the available settlement resources corresponding to the authenticated payer includes: determining a stored resource of the authenticated payer, and a usable settlement ratio corresponding to the authenticated payer; the available settlement resources are obtained based on the product of the applicable settlement proportions of the stored resources.
In practice, the stored resource may be understood as the total stored information pre-stored by the authenticated payer. The settlement ratio to be used can be understood as the ratio which can be used for carrying out resource settlement on the user to be settled in the stored resources which are preset. Further, the usable settlement resources commonly determined according to the usable settlement ratio may be used according to the stored resources, for example, the to-be-used settlement ratio may be set to 30%, that is, if the stored resources are 100 ten thousand, the usable settlement resources are 30 ten thousand.
Optionally, determining the resource to be settled corresponding to the authenticated payer according to the information to be paid includes: determining sub-resources to be settled corresponding to the corresponding users to be settled according to the information to be settled corresponding to the users to be settled; and determining the resource to be settled corresponding to the authenticated payer based on the sum of the sub-resources to be settled.
The to-be-settled information may include settlement information corresponding to the to-be-settled users, and may include information such as total working days, daily settlement resources, total settlement resources, and the like corresponding to each to-be-settled user. Illustratively, the total working days of the user A to be settled in the current month is 10 days, the daily settlement resource is 100 yuan/day, and the total settlement resource is 1000 yuan; the total working days of the user B to be settled in the current month is 13 days, the daily settlement resources are 130 yuan/day, and the total settlement resources are 1690 yuan; the total working days of the user C to be settled in the current month are 15 days, the daily settlement resources are 90 yuan/day, and the total settlement resources are 1350 yuan. It should be noted that the to-be-settled information may include total settlement resources corresponding to each to-be-settled user, or the third party resource settlement platform may calculate to obtain total settlement resources corresponding to each to-be-settled user according to total working days and daily settlement resources. The sub-resource to be settled may be understood as a resource to be settled corresponding to each user to be settled, that is, the resource to be settled is a total settlement resource required to be settled based on authenticated payees determined by all users to be settled, and the resource to be settled corresponding to each user to be settled is a part of the total settlement resource, and thus may be referred to as a sub-resource to be settled.
Specifically, the corresponding sub-resources to be settled can be determined according to the information to be settled corresponding to each user to be settled, and the resource to be settled required to be resolved by the authenticated payer can be obtained based on the sum of the sub-resources to be settled.
And S130, when the to-be-settled resources are smaller than the usable settlement resources, performing resource settlement on the corresponding to-be-settled users based on the target settlement mode.
Specifically, when the to-be-settled resources are smaller than the available settlement resources, it is indicated that sufficient resources are available for the authenticated payers to perform resource settlement on the to-be-settled users, and at this time, the to-be-settled users may be subjected to resource settlement based on determining the target settlement mode corresponding to the authenticated payers.
Optionally, performing resource settlement on the corresponding user to be settled based on the target settlement mode, including: determining at least one piece of information to be checked associated with the current user to be settled for each user to be settled; based on each piece of information to be checked, carrying out identity authentication on the current user to be settled; and when the authentication result of the identity authentication is authentication passing, carrying out resource settlement on the current user to be settled based on the target settlement mode.
The information to be verified may be information for verifying the identity of the user to be settled, for example, the information may include a user name, identity card information, account information, and the like of the user to be settled.
In practical application, in order to ensure the accuracy of resource settlement for each user to be settled, before the resource settlement is performed, the identity information of the corresponding user to be settled needs to be verified, usually in order to increase the reliability of the identity verification, the verification needs to be performed according to at least one piece of information to be verified of the user to be settled, and after the verification is passed, the resource settlement is performed for the user to be settled based on the target settlement mode.
Optionally, after resource settlement is performed on the corresponding user to be settled based on the target settlement mode, the method further comprises: and generating resource settlement records corresponding to the users to be settled so as to determine the settlement states of the corresponding users to be settled based on the resource settlement records.
The resource settlement record can be understood as a resource settlement certificate for each user to be settled. The settlement state includes a settled state or an outstanding state.
Specifically, after the resource settlement is performed on each user to be settled, in order to determine the settlement state of each user to be settled and trace the resources of the authenticated payer, a resource settlement record corresponding to each user to be settled needs to be generated, so that the related personnel can inquire and trace the settlement resources according to each resource settlement record.
According to the technical scheme, the to-be-paid information sent by the authenticated payer is obtained, the target settlement mode corresponding to the authenticated payer is determined, at least one to-be-settled user corresponding to the authenticated payer and to-be-settled information corresponding to each settlement user can be determined according to the to-be-paid information, and the target settlement mode can be determined according to the settlement priority preset by the authenticated payer. And determining usable settlement resources corresponding to the authenticated payer, determining to-be-settled resources corresponding to the authenticated payer according to the to-be-paid information, obtaining the usable settlement resources corresponding to the authenticated payer according to the stored resources of the authenticated payer and the usable settlement proportion, and determining to-be-settled resources corresponding to the authenticated payer according to the sum of to-be-settled sub-resources corresponding to each to-be-settled user. Further, when the to-be-settled resource is smaller than the usable settlement resource, performing resource settlement on the corresponding to-be-settled users based on the target settlement mode, and performing corresponding resource settlement on the to-be-settled users after performing identity authentication on the to-be-settled users. The method solves the problems of complex operation and low settlement efficiency when the resource settlement is carried out in the flexible user field, and achieves the effects of carrying out settlement management on the user to be settled in the flexible industry and improving the settlement efficiency.
Example two
In a specific example, according to the industry characteristics of the flexible industrial field, an enterprise party or an industrial party typically communicates a resource settlement service to a third party resource settlement platform for settlement management. As shown in fig. 2, the third party resource settlement platform provides a settlement method, and performs unified planning of resource settlement for enterprise parties or workers. Specifically, the third party resource settlement platform provides a recharging account, a payment account and a profit account for the enterprise party or the employment party. The recharging account is an account for storing stored resources of the enterprise party or the recruitment party, the paying account is an account for carrying out resource settlement on a user to be settled, and the profit account can be understood as management fees which are charged to the enterprise party or the recruitment party in the process of providing resource settlement management for the enterprise party or the recruitment party by a third party resource settlement platform. The account structure module can be understood as a third party account structure provided by a third party resource settlement platform for authenticated payers, and comprises an open/close function, a balance information inquiry function, a transaction information inquiry function, a resource change information inquiry function and the like. The resource settlement recording module comprises a transfer record, a receipt record, a reconciliation record, a refund record and the like. The wind control evaluation module can be understood as a model of a third party resource settlement platform for performing risk evaluation on the payors to be authenticated, and can include performing credit evaluation and wind control evaluation on the payors to be authenticated so as to jointly determine risk evaluation attributes of the payors to be authenticated. The identity authentication module is understood as the ability to authenticate the user to be settled, that is to say, when resolving the user to be settled, the user to be settled is authenticated based on at least one piece of information to be checked. For example, the information to be verified may include a user name, identification card information, account information, etc. of the user to be settled.
Specifically, when receiving a resource settlement request of an enterprise party or a worker party to be authenticated (i.e., a payment party to be authenticated), the third party resource settlement platform needs to perform risk assessment on the payment party to be authenticated first to obtain a corresponding risk assessment attribute. When the risk assessment attribute is less than the risk assessment threshold, then the party to be authenticated may be determined to be the authenticated party. It should be noted that, the authenticated payer may set up an account on the third-party resource settlement platform to store the corresponding resource and use the resource as the stored resource of the authenticated payer, and at the same time, according to the preset usable settlement proportion, the usable settlement resource corresponding to the authenticated payer may be determined.
Further, when receiving the information to be paid sent by the authenticated payer, at least one user to be settled corresponding to the authenticated payer and the information to be settled corresponding to each user to be settled can be determined according to the information to be paid. According to the settlement priority set in advance by the authenticated payer, the target settlement means corresponding to the authenticated payer can be determined. Meanwhile, according to the sum of sub-resources to be settled corresponding to each user to be settled, the resources to be settled corresponding to the authenticated payer can be determined.
Specifically, if the resource to be settled is smaller than the available settlement resource, the third party resource settlement platform can perform resource settlement on each user to be settled. It should be noted that, in order to ensure the accuracy of the user to be settled, at least one piece of information to be verified of the user to be settled may be obtained before settlement, so as to perform identity authentication on the corresponding user to be settled based on each piece of information to be verified. When the authentication is passed, the resource settlement can be carried out on the user to be settled based on the target settlement mode.
In the technical scheme, the third party settlement resource platform not only can carry out resource settlement on each user to be settled based on the settlement mode of the third party account, but also can provide the authenticated payer with the resource settlement mode based on the bank account. That is, the authenticated payer, the third-party resource settlement platform, and the banking institution may establish a corresponding resource management protocol such that the third-party resource settlement platform may invoke the bank account resources of the authenticated payer at the banking institution for resource settlement of the user to be settled. In the technical scheme, after the authenticated payer, the third-party resource settlement platform and the banking institution establish the corresponding resource management protocol, when the third-party resource settlement platform performs resource settlement based on a bank account mode, the third-party resource settlement platform can send a resource settlement request to the corresponding banking institution and encrypt the request, for example, an asymmetric encryption algorithm can be adopted to encrypt the request, so that after the banking institution verifies the request, the third-party resource settlement platform responds to the resource settlement request. Or, a point-to-point secure access manner can be established with a banking institution, for example, a network address special for the third party resource settlement platform is established, so as to meet the docking of the third party resource settlement platform with the banking institution, for example, the network address can be set according to the following format: "http+white list+idc machine room private network".
It should be noted that, in order to facilitate tracing of the resource information of the authenticated payer, after resource settlement is performed on each user to be settled, a corresponding resource settlement record may be generated, so as to determine the settlement status of each user to be settled based on the resource settlement record, and facilitate tracing of the destination of the resource of the authenticated payer.
According to the technical scheme, the to-be-paid information sent by the authenticated payer is obtained, the target settlement mode corresponding to the authenticated payer is determined, at least one to-be-settled user corresponding to the authenticated payer and to-be-settled information corresponding to each settlement user can be determined according to the to-be-paid information, and the target settlement mode can be determined according to the settlement priority preset by the authenticated payer. And determining usable settlement resources corresponding to the authenticated payer, determining to-be-settled resources corresponding to the authenticated payer according to the to-be-paid information, obtaining the usable settlement resources corresponding to the authenticated payer according to the stored resources of the authenticated payer and the usable settlement proportion, and determining to-be-settled resources corresponding to the authenticated payer according to the sum of to-be-settled sub-resources corresponding to each to-be-settled user. Further, when the to-be-settled resource is smaller than the usable settlement resource, performing resource settlement on the corresponding to-be-settled users based on the target settlement mode, and performing corresponding resource settlement on the to-be-settled users after performing identity authentication on the to-be-settled users. The method solves the problems of complex operation and low settlement efficiency when the resource settlement is carried out in the flexible user field, and achieves the effects of carrying out settlement management on the user to be settled in the flexible industry and improving the settlement efficiency.
Example III
Fig. 3 is a schematic structural diagram of a resource settlement apparatus according to a third embodiment of the present invention. As shown in fig. 3, the apparatus includes: the system comprises a target settlement mode determining module 210, a resource to be settled determining module 220 and a resource settlement module 230.
The target settlement mode determining module 210 is configured to obtain information to be paid sent by the authenticated payer, and determine a target settlement mode corresponding to the authenticated payer; the target settlement mode comprises at least one of a settlement mode based on a bank account and a settlement mode based on a third party account, and the information to be paid comprises at least one user to be settled and information to be settled corresponding to each user to be settled;
a to-be-settled resource determining module 220, configured to determine an available settlement resource corresponding to the authenticated payer, and determine, according to the to-be-paid information, the to-be-settled resource corresponding to the authenticated payer;
and the resource settlement module 230 is configured to perform resource settlement on the corresponding user to be settled based on the target settlement mode when the resource to be settled is smaller than the available settlement resource.
According to the technical scheme, the to-be-paid information sent by the authenticated payer is obtained, the target settlement mode corresponding to the authenticated payer is determined, at least one to-be-settled user corresponding to the authenticated payer and to-be-settled information corresponding to each settlement user can be determined according to the to-be-paid information, and the target settlement mode can be determined according to the settlement priority preset by the authenticated payer. And determining usable settlement resources corresponding to the authenticated payer, determining to-be-settled resources corresponding to the authenticated payer according to the to-be-paid information, obtaining the usable settlement resources corresponding to the authenticated payer according to the stored resources of the authenticated payer and the usable settlement proportion, and determining to-be-settled resources corresponding to the authenticated payer according to the sum of to-be-settled sub-resources corresponding to each to-be-settled user. Further, when the to-be-settled resource is smaller than the usable settlement resource, performing resource settlement on the corresponding to-be-settled users based on the target settlement mode, and performing corresponding resource settlement on the to-be-settled users after performing identity authentication on the to-be-settled users. The method solves the problems of complex operation and low settlement efficiency when the resource settlement is carried out in the flexible user field, and achieves the effects of carrying out settlement management on the user to be settled in the flexible industry and improving the settlement efficiency.
Optionally, the resource settlement device further includes: the risk evaluation module is used for carrying out risk evaluation on the to-be-authenticated payer when detecting a resource settlement request sent by the to-be-authenticated payer before acquiring to-be-paid information sent by the authenticated payer and determining a target settlement mode corresponding to the authenticated payer, so as to obtain a corresponding risk evaluation attribute;
and the authenticated payer determining module is used for determining that the to-be-authenticated payer is an authenticated payer if the risk assessment attribute meets the risk assessment detection condition.
Optionally, the target settlement mode determining module includes: a priority determining unit, configured to determine at least one settlement mode to be used corresponding to the authenticated payer, and determine a settlement priority corresponding to each settlement mode to be used;
and a target settlement means determining unit for determining a target settlement means corresponding to the authenticated payer based on the settlement priority.
Optionally, the resource to be settled determining module includes: a usable settlement ratio determining unit for determining a stored resource of the authenticated payer, and a usable settlement ratio corresponding to the authenticated payer;
The available settlement resources determination module is used for obtaining available settlement resources based on the product of the applicable settlement proportions of the stored resources.
Optionally, the resource to be settled determining module includes: the sub-resource determining unit is used for determining sub-resources to be settled corresponding to the corresponding users to be settled according to the information to be settled corresponding to the users to be settled;
and the resource to be settled determining unit is used for determining the resource to be settled corresponding to the authenticated payer based on the sum of the sub-resources to be settled.
Optionally, the resource settlement module includes: the information to be verified determining unit is used for determining at least one piece of information to be verified, which is associated with the current user to be settled, for each user to be settled;
the identity authentication unit is used for authenticating the identity of the current user to be settled based on the information to be checked;
and the resource settlement unit is used for carrying out resource settlement on the current user to be settled based on the target settlement mode when the authentication result of the identity authentication is authentication passing.
Optionally, the resource settlement device is further configured to generate a resource settlement record corresponding to each user to be settled after performing resource settlement on the corresponding user to be settled based on the target settlement mode, so as to determine a settlement state of the corresponding user to be settled based on the resource settlement record; wherein the settlement state includes a settled state or an outstanding state.
The resource settlement device provided by the embodiment of the invention can execute the resource settlement method provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Example IV
Fig. 4 shows a schematic structural diagram of the electronic device 10 of the embodiment of the present invention. Electronic devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. Electronic equipment may also represent various forms of mobile devices, such as personal digital processing, cellular telephones, smartphones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be exemplary only, and are not meant to limit implementations of the inventions described and/or claimed herein.
As shown in fig. 4, the electronic device 10 includes at least one processor 11, and a memory, such as a Read Only Memory (ROM) 12, a Random Access Memory (RAM) 13, etc., communicatively connected to the at least one processor 11, in which the memory stores a computer program executable by the at least one processor, and the processor 11 may perform various appropriate actions and processes according to the computer program stored in the Read Only Memory (ROM) 12 or the computer program loaded from the storage unit 18 into the Random Access Memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 may also be stored. The processor 11, the ROM 12 and the RAM 13 are connected to each other via a bus 14. An input/output (I/O) interface 15 is also connected to bus 14.
Various components in the electronic device 10 are connected to the I/O interface 15, including: an input unit 16 such as a keyboard, a mouse, etc.; an output unit 17 such as various types of displays, speakers, and the like; a storage unit 18 such as a magnetic disk, an optical disk, or the like; and a communication unit 19 such as a network card, modem, wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information/data with other devices via a computer network, such as the internet, and/or various telecommunication networks.
The processor 11 may be a variety of general and/or special purpose processing components having processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various specialized Artificial Intelligence (AI) computing chips, various processors running machine learning model algorithms, digital Signal Processors (DSPs), and any suitable processor, controller, microcontroller, etc. The processor 11 performs the respective methods and processes described above, such as a resource settlement method.
In some embodiments, the resource settlement method may be implemented as a computer program tangibly embodied on a computer-readable storage medium, such as the storage unit 18. In some embodiments, part or all of the computer program may be loaded and/or installed onto the electronic device 10 via the ROM 12 and/or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the resource settlement method described above may be performed. Alternatively, in other embodiments, the processor 11 may be configured to perform the resource settlement method in any other suitable manner (e.g., by means of firmware).
Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuit systems, field Programmable Gate Arrays (FPGAs), application Specific Integrated Circuits (ASICs), application Specific Standard Products (ASSPs), systems On Chip (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs, the one or more computer programs may be executed and/or interpreted on a programmable system including at least one programmable processor, which may be a special purpose or general-purpose programmable processor, that may receive data and instructions from, and transmit data and instructions to, a storage system, at least one input device, and at least one output device.
The computer program for implementing the resource settlement method of the invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer programs, when executed by the processor, cause the functions/acts specified in the flowchart and/or block diagram block or blocks to be implemented. The computer program may execute entirely on the machine, partly on the machine, as a stand-alone software package, partly on the machine and partly on a remote machine or entirely on the remote machine or server.
In the context of the present invention, a computer-readable storage medium may be a tangible medium that can contain, or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. The computer readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. Alternatively, the computer readable storage medium may be a machine readable signal medium. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
To provide for interaction with a user, the systems and techniques described here can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) through which a user can provide input to the electronic device. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic input, speech input, or tactile input.
The systems and techniques described here can be implemented in a computing system that includes a background component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such background, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), wide Area Networks (WANs), blockchain networks, and the internet.
The computing system may include clients and servers. The client and server are typically remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server can be a cloud server, also called a cloud computing server or a cloud host, and is a host product in a cloud computing service system, so that the defects of high management difficulty and weak service expansibility in the traditional physical hosts and VPS service are overcome.
It should be appreciated that various forms of the flows shown above may be used to reorder, add, or delete steps. For example, the steps described in the present invention may be performed in parallel, sequentially, or in a different order, so long as the desired results of the technical solution of the present invention are achieved, and the present invention is not limited herein.
The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives are possible, depending on design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims (10)

1. A resource settlement method, comprising:
acquiring information to be paid sent by an authenticated payer, and determining a target settlement mode corresponding to the authenticated payer; the target settlement mode comprises at least one of a settlement mode based on a bank account and a settlement mode based on a third party account, and the information to be paid comprises at least one user to be settled and information to be settled corresponding to each user to be settled;
Determining available settlement resources corresponding to the authenticated payer, and determining to-be-settled resources corresponding to the authenticated payer according to the to-be-paid information;
and when the to-be-settled resources are smaller than the usable settlement resources, performing resource settlement on the corresponding to-be-settled users based on the target settlement mode.
2. The method of claim 1, further comprising, prior to the obtaining the information to be paid sent by the authenticated payer and determining the target settlement means corresponding to the authenticated payer:
when a resource settlement request sent by a payment party to be authenticated is detected, performing risk assessment on the payment party to be authenticated to obtain corresponding risk assessment attributes;
and if the risk assessment attribute meets the risk assessment detection condition, determining that the to-be-authenticated payer is an authenticated payer.
3. The method of claim 1, wherein the determining a target settlement means corresponding to the authenticated payer comprises:
determining at least one settlement mode to be used corresponding to the authenticated payer, and determining the settlement priority corresponding to each settlement mode to be used;
And determining a target settlement mode corresponding to the authenticated payer based on the settlement priority.
4. The method of claim 1, wherein the determining available settlement resources corresponding to the authenticated payer comprises:
determining a stored resource of the authenticated payer, and a usable settlement ratio corresponding to the authenticated payer;
and obtaining the usable settlement resource based on the product of the applicable settlement proportions of the stored resources.
5. The method of claim 1, wherein the determining the resource to be settled corresponding to the authenticated payer based on the information to be paid comprises:
determining sub-resources to be settled corresponding to the corresponding users to be settled according to the information to be settled corresponding to each user to be settled;
and determining the resource to be settled corresponding to the authenticated payer based on the sum of the sub-resources to be settled.
6. The method according to claim 1, wherein the resource settlement for the corresponding user to be settled based on the target settlement manner comprises:
determining at least one piece of information to be checked associated with the current user to be settled for each user to be settled;
Carrying out identity authentication on the current user to be settled based on each piece of information to be checked;
and when the authentication result of the identity authentication is authentication passing, carrying out resource settlement on the current user to be settled based on the target settlement mode.
7. The method according to claim 1, further comprising, after said resource settlement of the corresponding user to be settled based on the target settlement means:
generating resource settlement records corresponding to all users to be settled, and determining settlement states of the corresponding users to be settled based on the resource settlement records; wherein the settlement state includes a settled state or an unaddressed state.
8. A resource settlement apparatus, comprising:
the target settlement mode determining module is used for acquiring the information to be paid sent by the authenticated payer and determining a target settlement mode corresponding to the authenticated payer; the target settlement mode comprises at least one of a settlement mode based on a bank account and a settlement mode based on a third party account, and the information to be paid comprises at least one user to be settled and information to be settled corresponding to each user to be settled;
The to-be-settled resource determining module is used for determining available settlement resources corresponding to the authenticated payer and determining to-be-settled resources corresponding to the authenticated payer according to the to-be-paid information;
and the resource settlement module is used for carrying out resource settlement on the corresponding user to be settled based on the target settlement mode when the resource to be settled is smaller than the usable settlement resource.
9. An electronic device, the electronic device comprising:
at least one processor; and
a memory communicatively coupled to the at least one processor; wherein, the liquid crystal display device comprises a liquid crystal display device,
the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the resource settlement method of any one of claims 1-7.
10. A computer readable storage medium storing computer instructions for causing a processor to implement the resource settlement method of any one of claims 1 to 7 when executed.
CN202310403338.0A 2023-04-14 2023-04-14 Resource settlement method and device, electronic equipment and storage medium Pending CN116402511A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116703395A (en) * 2023-08-08 2023-09-05 好活(苏州)数字科技有限公司 Digital RMB payment method, device, equipment, system and medium

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116703395A (en) * 2023-08-08 2023-09-05 好活(苏州)数字科技有限公司 Digital RMB payment method, device, equipment, system and medium
CN116703395B (en) * 2023-08-08 2023-10-27 好活(苏州)数字科技有限公司 Digital RMB payment method, device, equipment, system and medium

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