CN116664139B - Settlement management system integrating multi-platform malls - Google Patents
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- 238000000034 method Methods 0.000 claims abstract description 11
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- 230000003203 everyday effect Effects 0.000 claims description 9
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- 238000010257 thawing Methods 0.000 claims description 4
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- 230000008014 freezing Effects 0.000 claims description 3
- 238000007710 freezing Methods 0.000 claims description 3
- 230000008929 regeneration Effects 0.000 claims description 3
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- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- G—PHYSICS
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Abstract
The invention relates to the technical field of electronic commerce settlement, in particular to a settlement management system integrating multiple platform malls, which comprises a settlement system accessed to a remote server, an own mall, a merchant terminal and a bill rechecking module. According to the invention, the e-commerce platform provides funds supervision for merchants except basic services, including funds checking, bill checking and report statistics, so that illegal transactions and funds abuse are prevented, the flow direction of funds is open and transparent, the settlement system strengthens risk control by means of data encryption, data backup, data verification, white list and the like so as to cope with privacy information security risks, the settlement system calculates mass data, and the settlement system carries out model training of real data for a plurality of times, so that the calculation power is stable and strong, and the funds account speed is greatly improved compared with the traditional checking. The method not only can help clients to solve the business clearing problem, but also can generate financial reports, improve the working efficiency of each department, and well solve the problem of slow fund return period in the transaction process.
Description
Technical Field
The invention relates to the technical field of electronic commerce settlement, in particular to a settlement management system integrating multiple platform malls.
Background
In recent years, with the development of computer and network technologies, more network users can participate in electronic commerce through network communication. For example, sales, promotions, and purchases of goods, etc. may be made through an e-commerce platform;
the conventional settlement system integrating the multi-platform malls has the following defects:
the system structure does not protect the privacy of the customer;
the merchants are disordered, and errors are easy to occur in the settlement process;
the settlement efficiency is low and the transparency of the information is not high.
Therefore, a settlement management system integrating multiple platform malls is proposed to solve the above problems.
Disclosure of Invention
The present invention is directed to a settlement management system for integrating multiple platform malls, so as to solve the above-mentioned problems in the prior art.
In order to achieve the above purpose, the present invention provides the following technical solutions:
the settlement management system comprises a settlement system accessed to a remote server and a mall system, wherein the settlement system comprises an order data acquisition module, a settlement module and a supervision module, the mall system comprises an owned mall, a third party mall and a merchant terminal, and transaction data of an order is provided by the mall system; the transaction data includes a payment order, a refund order, and a ledger order; the settlement module comprises data arrangement, doubtful processing, settlement principle, bill generation and report summary, the doubtful processing comprises abnormal order processing and order modification updating, the bill generation comprises settlement bills and service fee bills, the settlement bills and the service fee bills are synchronously sent to a bank after being checked by the bills, and settlement information is fed back to the report summary after settlement, wherein the report summary comprises daily report, monthly report and annual report;
the settlement principle is that a settlement system and a global or single merchant are set: the settlement principle comprises a settlement starting time, a settlement object, a settlement period, a wetting proportion, an approval process and a settlement mode, and a settlement bill is generated according to the settlement principle;
the bank comprises a billing instruction and a billing file: automatically extracting order funds paid to the mall by a user through a third party payment platform to an internal user of the mall at a bank every day, and freezing the amount of the order; the settlement bill enters a state to be settled through checking circulation, a defrosting instruction is sent to a bank according to a settlement mode, funds of the order are defrosted in batches and then are posted to a virtual money-settling account of the bank where the provider is located, a checking file is an actual money-settling bill generated by checking the settlement bill and a service fee bill, and the checking file is synchronously summarized to a report;
merchant terminal: the merchant applies for a settlement account, the settlement account comprises merchant statement and silver travelling piece information, the bank will create a sub-account as a merchant collection account, funds will enter the sub-account after the bill is divided, and the merchant can present a bank card bound to the sub-account on day D+1;
checking the bill: after the day settlement is completed, the amount of all orders are recorded, classified and summarized, the amount is compared with the amount payable by the day bill, the difference is used for pushing a short message to inform a relevant manager, and a report is accurately generated and is used as the report summary of month and year;
the supervision module comprises error processing, logs, authorities, network security and archiving, wherein the error processing comprises abnormal order resynchronization and bill regeneration updated for abnormal order processing and order modification, the logs comprise error logs and operation logs, the authorities comprise operation authorities and batch authorities, the network security comprises RSA encryption algorithm and identity authentication, and the archiving comprises data backup.
As a preferred scheme, when the self-owned mall accesses the settlement system, the self-owned mall sends the agreed RSA key, the system verifies, and after success, the self-owned mall sends a message by using encryption and signature at the same time, the self-owned mall requests a remote server, and sends a token to the user through verification, and returns data, and the data is transmitted to the remote server when requested each time.
As a preferred scheme, the self-owned mall comprises pushing data, the self-owned mall pushes data of the previous day according to the format required by a settlement system and 0 points per day, wherein the data comprises an order form, a payment log form, an after-sale form, a commodity form and a merchant form, 3 pieces of summarized data are required to be transmitted daily except for a fixed data form to verify whether data loss, errors and the like exist in the transmission process, and the conditions comprise order summarized data, payment summarized data, after-sale summarized data and the like.
As a preferable scheme, the settlement system needs to verify interface data when in use, generates summarized data at 3 points every day, verifies the summarized data, pushes the summarized data to check the mall, pushes an abnormality reminder when checking abnormality, clears the data on the same day, generates a notification station push manager, and generates a bill according to the settlement principle set by the system if the summarized data is not abnormal.
As a preferable scheme, after the merchant side purchases in the shopping mall, the payment amount is paid to the shopping mall through a third party payment platform, and the platform sends an instruction to freeze the amount of the order.
As a preferable scheme, the settlement system generates bills according to the settlement principle and pushes the bills to a mall or a merchant terminal, the merchant can conduct a plurality of series of auditing operations and finally send an account dividing instruction, and after receiving the instruction, the settlement system unfreezes funds of the order and accounts the funds into sub-merchants created by the merchant at a bank.
As a preferable scheme, the merchant terminal checks account balance through the system and submits a reserved mobile phone verification code to be presented to the bank card.
According to the technical scheme provided by the invention, the settlement management system for the integrated multi-platform mall has the beneficial effects that:
1. transaction supervision is enhanced: the e-commerce platform provides funds monitoring for merchants in addition to the underlying services. The method comprises the steps of fund checking, bill checking and report statistics so as to prevent illegal transactions and fund abuse, and enable the fund flow to be open and transparent;
2. enhanced risk control: the settlement system strengthens risk control through data encryption, data backup, data verification, white list and other modes so as to cope with privacy information security risks;
3. big data are accurate in real time: the settlement system calculates mass data, and through model training of real data for a plurality of times, the calculation power is stable and strong, and the fund account speed is greatly improved compared with the traditional check. The method not only can help clients to solve the business clearing problem, but also can generate financial reports, improve the working efficiency of each department, and well solve the problem of slow fund return period in the transaction process.
Drawings
Fig. 1 is a schematic structural diagram of a settlement management system integrating multiple platform malls according to the present invention.
Detailed Description
The present invention will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present invention more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
In order to better understand the above technical solutions, the following detailed description will be given with reference to the accompanying drawings and the specific embodiments.
Referring to fig. 1, an embodiment of the present invention provides a settlement management system for integrating multiple platform malls, including a settlement system accessing a remote server and a mall system, where the settlement system includes an order data acquisition module, a settlement module and a supervision module, and the mall system includes an owned mall, a third party mall and a merchant terminal, and transaction data of an order is provided by the mall system; the transaction data includes a payment order, a refund order, and a ledger order; the settlement module comprises data arrangement, doubtful processing, settlement principle, bill generation and report summary, the doubtful processing comprises abnormal order processing and order modification updating, the bill generation comprises settlement bills and service fee bills, the settlement bills and the service fee bills are synchronously sent to a bank after being checked by the bills, and settlement information is fed back to the report summary after settlement, wherein the report summary comprises daily report, monthly report and annual report;
the settlement principle is that a settlement system and a global or single merchant are set: the settlement principle comprises a settlement starting time, a settlement object, a settlement period, a wetting proportion, an approval process and a settlement mode, and a settlement bill is generated according to the settlement principle;
the bank comprises a billing instruction and a billing file: automatically extracting order funds paid to the mall by a user through a third party payment platform to an internal user of the mall at a bank every day, and freezing the amount of the order; the settlement bill enters a state to be settled through checking circulation, a defrosting instruction is sent to a bank according to a settlement mode, funds of the order are defrosted in batches and then are posted to a virtual money-settling account of the bank where the provider is located, a checking file is an actual money-settling bill generated by checking the settlement bill and a service fee bill, and the checking file is synchronously summarized to a report;
merchant terminal: the merchant applies for a settlement account, the settlement account comprises merchant statement and silver travelling piece information, the bank will create a sub-account as a merchant collection account, funds will enter the sub-account after the bill is divided, and the merchant can present a bank card bound to the sub-account on day D+1;
checking the bill: after the day settlement is completed, the amount of all orders are recorded, classified and summarized, the amount is compared with the amount payable by the day bill, the difference is used for pushing a short message to inform a relevant manager, and a report is accurately generated and is used as the report summary of month and year;
the supervision module comprises error processing, logs, authorities, network security and archiving, wherein the error processing comprises abnormal order resynchronization and bill regeneration updated for abnormal order processing and order modification, the logs comprise error logs and operation logs, the authorities comprise operation authorities and batch authorities, the network security comprises RSA encryption algorithm and identity authentication, and the archiving comprises data backup.
In this embodiment, when the self-owned mall accesses the settlement system, the self-owned mall transmits the agreed RSA key, and after the system verification, the self-owned mall transmits a message by using encryption and signature at the same time, requests the remote server, and transmits data to the remote server each time when the request is made by verifying a token transmitted to the user.
In this embodiment, the self-owned mall includes push data, and the self-owned mall pushes data of the previous day according to the format required by the settlement system, including an order form, a payment log form, an after-sale form, a commodity form, and a merchant form, and 3 pieces of summary data are required to be transmitted daily except for a fixed data form to verify whether data loss, errors and other conditions exist in the transmission process, including order summary data, payment summary, and after-sale summary.
In this embodiment, the settlement system needs to verify interface data when in use, 3 points per day, generate summary data, verify mall pushing summary data, verify exception, push an exception reminder, empty data on the same day, generate a notification station pushing manager, and if the summary data is not abnormal, generate a bill according to the settlement principle set by the system.
In this embodiment, after the merchant end purchases from the mall, the merchant end pays the payment amount to the mall through the third party payment platform, and the platform sends an instruction to freeze the amount of the order.
In this embodiment, the settlement system generates a bill according to a settlement principle, pushes the bill to a mall or a merchant end, allows the merchant to perform a series of auditing operations, and finally sends a billing instruction, and after receiving the instruction, the settlement system unfreezes funds of the order and bills the funds into sub-merchants created by the merchant at a bank.
In this embodiment, the merchant terminal checks the account balance through the system and submits the reserved mobile phone verification code to the bank card for verification.
The present embodiment will be described in further detail below in connection with the operation steps of the present invention:
the specific implementation steps are as follows:
1. project environment
Setting up an environment in a remote server, deploying a database and completing debugging.
2. Self-owned mall access settlement system
The agreed RSA key is sent from the mall, and after the system verification is successful, the message can be sent by using encryption and signature at the same time;
the ticket sent to the user is authenticated by the ticket requesting the remote server from the mall and returns the data to the server each time the request (stored in the request header) is made.
3. Self-owned mall push data
The self-owned mall pushes the previous day data according to the format required by the system and 0 point per day, wherein the data comprises an order form, a payment log form, an after-sale form, a commodity form, a merchant form and the like;
besides the fixed data table, 3 pieces of summarized data are required to be transmitted every day for verifying whether the data are lost, errors and the like in the transmission process. Including order summary data (amount of orders ), payment summary (payment data, amount of payments), after-market summary (after-market singular, cash amount after-market).
4. Verification interface data for settlement system
Generating summarized data at 3 points every day, checking the summarized data pushed by a mall, pushing an abnormal reminder if the summarized data is checked abnormally, emptying the data on the same day, and generating a notification station push manager;
if the summarized data is not abnormal, generating a bill according to a settlement principle set by the system, wherein the settlement principle comprises a wetting proportion, a bill generation rule, an approval process, automatic settlement and the like;
WeChat/Payment treasures/third Payment channel Account file is pulled at 10 points per day, and pulled every half hour until the pulling is successful. Checking the account file generation report and the mall payment table, and if abnormal, generating a notification station to push to the corresponding role manager.
5. Login management background
And opening the browser input address to enter a management background login page, and logging in according to the mail internal account. Setting up an administrator, roles and settlement principles.
6. Self-owned mall user
After the user makes a shopping in the mall, the payment amount is paid to the mall through a third party payment platform. And the platform sends an instruction to freeze the amount of the order, so that the risk of fund stealing is prevented.
7. Third party payment platform setting presentation mode
Setting a presentation mode on a third party payment platform: automatically proposing to the enterprise public of the appointed bank. D+1 automatically presents the order amount to the account, and D+0 funds enter an internal account opened by the bank.
8. Mall (merchant end) creates a payment account
The merchant needs to submit merchant information to the appointed silver travel part in the background of the mall, and after verification is successful, the system creates a merchant sub-account in the home to be used as settlement funds management. The merchant may view the account funds and withdraw the funds.
9. Billing system bill generation and pushing
The settlement system generates bills according to the settlement principle and pushes the bills to a mall (merchant end), and the merchant can conduct some column auditing operations (or select a non-auditing mode, and T+1 automatically sends a billing instruction). And finally sending a billing instruction. After the system receives the instruction, the funds of the order are unfrozen and the funds are posted to sub-merchants created by the merchant at the bank.
10. Mall (merchant end) presentation
The merchant can check account balance through the system and submit a reserved mobile phone verification code to be presented to the bank card.
Although embodiments of the present invention have been shown and described, it will be understood by those skilled in the art that various changes, modifications, substitutions and alterations can be made therein without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (1)
1. A settlement management system integrating multi-platform malls is characterized in that: the system comprises a settlement system accessed to a remote server and a mall system, wherein the settlement system comprises an order data acquisition module, a settlement module and a supervision module, the mall system comprises an owned mall, a third party mall and a merchant terminal, and transaction data of the order is provided by the mall system; the transaction data includes a payment order, a refund order, and a ledger order; the settlement module comprises data arrangement, doubtful processing, settlement principle, bill generation and report summary, the doubtful processing comprises abnormal order processing and order modification updating, the bill generation comprises settlement bills and service fee bills, the settlement bills and the service fee bills are synchronously sent to a bank after being checked by the bills, and settlement information is fed back to the report summary after settlement, wherein the report summary comprises daily report, monthly report and annual report;
the settlement principle is that a settlement system and a global or single merchant are set: the settlement principle comprises a settlement starting time, a settlement object, a settlement period, a wetting proportion, an approval process and a settlement mode, and a settlement bill is generated according to the settlement principle;
the bank comprises a account dividing instruction and an account checking file, automatically extracting order funds paid to the mall by a user through a third party payment platform every day to an internal account arranged in the bank of the mall, and freezing the amount of the order; the settlement bill enters a state to be settled through checking circulation, a defrosting instruction is sent to a bank according to a settlement mode, funds of the order are defrosted in batches and then are posted to a virtual money-settling account of the bank where the provider is located, a checking file is an actual money-settling bill generated by checking the settlement bill and a service fee bill, and the checking file is synchronously summarized to a report;
merchant terminal: the merchant applies for a settlement account, the settlement account comprises merchant statement and silver travelling piece information, the bank will establish a sub-account as a merchant collection account, funds will enter the sub-account after the bill is divided, the merchant can present a bank card bound to the sub-account on day D+1, and the day D is the current day;
checking the bill: after the day settlement is completed, the amount of all orders are recorded, classified and summarized, the amount is compared with the amount payable by the day bill, the difference is used for pushing a short message to inform a relevant manager, and a report is accurately generated and is used as the report summary of month and year;
the supervision module comprises error processing, logs, authority, network security and archiving, wherein the error processing comprises abnormal order resynchronization and bill regeneration updated for abnormal order processing and order modification, the logs comprise error logs and operation logs, the authority comprises operation authority and batch authority, the network security comprises RSA encryption algorithm and identity authentication, and the archiving comprises data backup;
the settlement system comprises the following specific implementation steps:
project environment:
setting up an environment in a remote server, deploying a database and completing debugging;
the self mall accesses a settlement system:
transmitting a contracted RSA key from the mall, and transmitting a message by using encryption and signature after system verification is successful;
requesting a remote server from the mall, verifying a token sent to the user, returning data, and transmitting the data to the server when each request is made;
data is pushed from the own mall:
the self-owned mall pushes previous day data according to the format required by the system and 0 point per day, wherein the data comprises an order form, a payment log form, an after-sale form, a commodity form and a merchant form;
3 pieces of summarized data are required to be transmitted every day besides a fixed data table and used for verifying whether the data is lost or not in the transmission process; the method comprises order summary data, payment summary and after-sale summary;
the settlement system verifies interface data:
generating summarized data at 3 points every day, checking the summarized data pushed by a mall, pushing an abnormal reminder if the summarized data is checked abnormally, emptying the data on the same day, and generating a notification station push manager;
if the summarized data is not abnormal, generating a bill according to a settlement principle set by the system;
pulling WeChat/Payment treasures/third payment channel account checking file at 10 points every day, and pulling once every half hour until the pulling is successful; checking the account checking file generation report and the mall payment table, and if abnormal, generating a notification station to push to the corresponding role and manager;
login management background:
opening a browser input address to enter a management background login page, and logging in according to an account in the mail; setting an administrator, roles and a settlement principle;
self-contained mall user side:
after the user makes shopping in the mall, paying the payment amount to the mall through a third party payment platform; the platform sends an instruction to freeze the amount of the order;
third party paymate sets up the mode of presentation:
in a third party payment platform setting up and presenting mode, automatically presenting to enterprise households of a designated bank; automatically drawing the amount of the order to the account on day D+1, and enabling the money on day D+0 to enter an internal account arranged in the bank;
the mall creates a payment account:
the merchant submits merchant information to the appointed silver travel part in the background of the mall, and after verification is successful, the system creates a merchant sub-account in the home to be used as settlement fund management; the merchant checks account funds and carries out the cash withdrawal operation;
billing system bill generation and pushing:
the settlement system generates a bill according to a settlement principle, pushes the bill to a mall or a merchant terminal, and the merchant performs auditing operation and finally sends a billing instruction or selects a non-auditing mode, wherein T+1 automatically sends the billing instruction, and T is a constant; after the system receives the instruction, thawing the funds of the order, and posting the funds to a sub-merchant created by a merchant at a bank;
mall or merchant side rendering:
the merchant can check account balance through the system and submit a reserved mobile phone verification code to be presented to the bank card.
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