CN116703334B - SaaS-based life platform system and hybrid payment integration method thereof - Google Patents
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Abstract
The invention relates to the technical field of cloud platforms, and discloses a life platform system based on SaaS and a hybrid payment integration method thereof, which comprises the following steps: the system comprises a living module, an integral storage switch module, a settlement module, an integral storage module, an integral conversion module, a data acquisition module, an off-line payment module, an on-line hybrid payment module, an integral comparison switch module, a matched expenditure module, an identity authentication module, a constraint storage module, a judgment control module, a password storage module and a safety verification module. According to the invention, the online hybrid payment module is arranged to pay on the same software platform, so that the payment software does not need to be switched.
Description
Technical Field
The invention relates to the technical field of cloud platforms, in particular to a life platform system based on SaaS and a hybrid payment integration method thereof.
Background
SaaS (Software as a Service ) is a service mode of cloud computing, which means that a service provider deploys application software on its own server, and users order and use software services on demand through the internet, and pay fees according to the amount of service, time or other means. The SaaS can save the cost and time of software installation, maintenance, upgrading and the like for the user, and improve the availability and flexibility of the software. While SaaS-based living platforms (hereinafter simply referred to as "living platforms") have been very widely used in real life. After some life platforms are paid, the payment is required, and the points are carried out after the payment, the points can be deducted on commodity prices, so that the user consumption is stimulated, the user viscosity is increased, the user loss is avoided, in the payment mode, the bank payment, the three-party payment and the offline payment are required to be supported simultaneously, the bank payment and the three-party payment are collectively called online payment, the existing technology supporting the hybrid payment of different online payment modes is combined and integrated, the price required to be paid after the existing point deduction is used for carrying out online payment and offline payment, the difference is even smaller, if the difference is omitted, the platform loss is large, but if the number of consumers is large, the consumers can generate abnormal psychology due to the fact that the transaction fails only because of the small difference, so that the consumption relationship between the consumers and the platform is a problem to be solved.
Disclosure of Invention
The invention provides a life platform system based on SaaS and a hybrid payment integrating method thereof, and provides a convenient and fair payment mode.
The invention is realized by the following technical scheme:
a SaaS-based living platform system, comprising: the system comprises a living module, an integral storage switch module, a settlement module, an integral storage module, an integral conversion module, a data acquisition module, an offline payment module, an online hybrid payment module, an integral comparison switch module and a matched expenditure module, wherein the output ends of the living module, the offline payment module, the online hybrid payment module and the settlement module sequentially pass through the integral conversion module, the integral storage switch module and are connected with the integral storage module, the output ends of the living module, the offline payment module, the integral storage module and the online hybrid payment module are connected with the settlement module, the input ends of the offline payment module and the online hybrid payment module are connected with the settlement module, the output ends of the data acquisition module, the integral storage module, the offline payment module, the online hybrid payment module, the settlement module and the integral conversion module are connected with the integral comparison switch module, the output end of the integral comparison switch module is connected with the matched expenditure module, the output end of the matched expenditure module is connected with the integral storage switch module, and the input end of the data acquisition module is connected with the online payment module.
As optimization, the integral storage module comprises a total integral library, a consumption integral library and a difference integral library, the output end of the living module is connected with the consumption integral library through the integral storage switch module, the output end of the total integral library is connected with the settlement module and the integral comparison switch module, the output ends of the matched expenditure module, the off-line payment module and the settlement module are respectively connected with the difference integral library through the integral storage switch module, and the input end of the total integral library is respectively connected with the consumption integral library and the difference integral library.
The intelligent payment system is characterized by further comprising an identity authentication module, a constraint storage module, a judgment control module, a password storage module and a safety verification module, wherein the identity authentication module is respectively connected with the living module, the integral storage module, the data acquisition module, the online hybrid payment module and the password storage module, the settlement module is connected with the online hybrid payment module through the judgment control module, the input end of the judgment control module is also respectively connected with the data acquisition module and the constraint storage module, the output end of the password storage module is connected with the matched expenditure module through the safety verification module, and the output end of the matched expenditure module is connected with the password storage module.
As an optimization, the payment constraint is specifically:
a1, selecting an online payment module based on a payment sequence;
a2, judging whether the online payment module is the first transaction when settling, if so, jumping to A3, otherwise, jumping to A9;
a3, judging whether the online payment module has a lower balance limit and a lower limit specified day for periodic expenditure, if so, jumping to A4, otherwise, jumping to A9;
a4, judging whether the payment moment is a lower limit rule day, if so, jumping to A5, otherwise, jumping to A9;
a5, judging whether the periodic expenditure is deducted, if yes, jumping to A9, otherwise, jumping to A6;
a6, judging whether the balance after subtracting the online amount to be paid on line from the current balance is larger than the lower limit of the balance, if so, jumping to A10, otherwise, jumping to A7;
a7, deducting the current balance and the online amount to form a new online amount to be paid;
a8, selecting a next online payment module based on the payment sequence, and returning to A2;
a9, judging whether the current balance is larger than the online amount required to be paid online, if so, jumping to A10, otherwise, jumping to A7;
a10, outputting the information of the online payment module and the information of the online money amount to be paid online to a matched payment module.
As optimization, the living module is used for recording the total consumption amount generated by user consumption;
the offline payment module is used for recording offline actual payment amount collected by the current consumption;
the data acquisition module is used for acquiring the current balance of each online payment module in the online hybrid payment module and summing up the current balance to obtain the online total amount;
the online hybrid payment module comprises a plurality of online payment modules, and each online payment module is an electronic storage account capable of storing digital amount deposit;
the point conversion module is used for obtaining the consumption points according to the consumption point conversion constraint of the total consumption amount, converting the total consumption amount into deduction points according to the deduction point conversion constraint on the premise that the total actual payment amount is smaller than the balance of the commodity to be paid, wherein the balance of the commodity to be paid is equal to the total consumption amount minus the deduction amount, the total actual payment amount is equal to the sum of the off-line actual payment amount and the on-line actual payment amount, and the on-line actual payment amount is the expenditure amount of the matched expenditure module;
the point storage module is used for converting the stored historical total points into corresponding deduction amounts, storing the consumption points at the same time, and adding and storing residual points and consumption points obtained after the deduction points converted from the difference between the balance of the commodity to be paid and the total actual payment amount are deducted from the historical total points; when the difference of subtracting the commodity balance to be paid from the total actual payment amount is negative, the deduction point is negative;
The integral storage module comprises a total integral library, is used for storing historical total integral, stores the historical total integral to obtain remaining integral after deduction amount according to deduction constraint, and if consumption fails, historical total integral deduction fails, and historical total integral is recovered;
the consumption point library is used for reading and storing consumption points from the point conversion module after the consumption is successful, storing the consumption points into the total point library and adding the total points with the residual points, and then clearing the consumption points in the consumption point library;
the difference integral library is used for reading and storing deduction integral converted from absolute value of difference between commodity balance to be paid and total actual payment amount from the integral conversion module after successful consumption, storing the deduction integral into the total integral library, adding the deduction integral with the residual integral and consumption integral to form new total integral, and clearing the deduction integral in the difference integral library;
the point comparison switch module is used for controlling whether the on-line payment is required according to the sum of the balance of the commodity to be paid and the off-line actual payment amount and the on-line total amount and according to the sum of the absolute value of the deduction point and the sum of the consumption point and the residual point, the matched payment module outputs a signal to be successfully consumed, and if the balance of the commodity to be paid is not more than the sum of the off-line actual payment amount and the on-line total amount, the point comparison switch module is in a closed state;
When the balance of the commodity to be paid is larger than the off-line actual payment amount and the on-line total amount, if the absolute value of the deduction point corresponding to the difference between the balance of the commodity to be paid and the total actual payment amount is smaller than the sum of the consumption point and the residual point, the point comparison switch module is in a closed state, otherwise, the point comparison switch module is in an open state and reminds the consumer of insufficient payment amount (ensuring that the historical point of the total point library is positive and ensuring the rationality of the transaction), wherein the on-line actual payment amount is not larger than the on-line total amount;
the point storage switch module is used for controlling whether consumption points and deduction points corresponding to the living module, the off-line payment module and the matched expenditure module are stored in the point storage module or not; the opening and closing states of the integral storage switch module are controlled through the output signals of the matching expenditure module, when the matching expenditure module has the output signals, the integral storage switch module is in a closed state, and otherwise, the integral storage switch module is in an open state;
when the integral storage switch module is closed, deduction integral corresponding to the balance of the commodity to be paid and the difference of the total actual payment amount is stored into the difference integral library;
The settlement module is used for recording commodity balance to be paid after the total consumption amount and the deduction amount are deducted, and settling the on-line to-be-paid amount required by the on-line hybrid payment module according to the total consumption amount, the paid off-line actual payment amount and the deduction amount, or settling the off-line to-be-paid amount required by the off-line payment module according to the total amount, the deduction amount and the paid on-line actual payment amount;
the matched payment module is used for finding out a password corresponding to the online payment module from the password storage module through the matched payment module when a certain online payment module carries out online transaction, and transmitting the password to the matched payment module through the security verification module to realize the payment of the online actual payment amount, wherein the sum of the offline actual payment amount and the online actual payment amount is the total actual payment amount;
the constraint storage module is used for storing the payment sequence and payment constraint of the online payment module set by a user;
the judging control module is used for controlling at least one corresponding online payment module to conduct online transaction based on the current balance of each online payment module, the payment sequence of the online payment modules and payment constraint;
The password storage module is used for storing payment passwords corresponding to the online payment modules;
the security verification module is used for carrying out identity confirmation of the user again when carrying out payment password transmission, and ensuring that the payment process is carried out by the user.
As an optimization, in A5, determining whether the periodic payout is deducted specifically includes determining whether a digital amount of the online payment module flows to a predetermined account, determining whether the periodic payout of the online payment module is a set amount, and determining whether the periodic payout of the online payment module is a set payment method.
As optimization, the verification mode of the security verification module comprises one or more of fingerprint verification, iris verification and face recognition verification, if the verification mode of the security verification module is multiple, the security verification module sequentially verifies based on the multiple verification modes according to the set sequence, and the set sequence information is stored in the password storage module.
The invention also discloses a hybrid payment method for the SaaS-based living platform system, which is characterized by comprising the following steps:
s1, authenticating identity information of a user in a living platform system, recording total consumption amount generated by consumption after consumption, obtaining consumption points through a point conversion module, judging whether the historical total points can be converted into corresponding deduction amount, if so, converting to obtain residual points, and deducting the total consumption amount to obtain commodity balance to be paid, and then jumping to S2, otherwise, directly jumping to S2;
S2, obtaining deposit amount and total online amount of each online payment module in the online hybrid payment module;
s3, judging whether an offline payment mode is used for payment, if yes, jumping to S4, otherwise jumping to S6;
s4, judging whether the actual payment amount of the off-line payment is equal to the balance of the commodity to be paid, if so, exiting after the payment is completed, and adding the deduction point and the consumption point which are obtained by subtracting the difference of the balance of the commodity to be paid from the actual payment amount of the off-line payment and the residual point, if the actual payment amount of the off-line payment is smaller than the balance of the commodity to be paid, jumping to S5;
s5, judging whether the absolute value of the deduction point corresponding to the difference of the commodity balance to be paid subtracted from the actual payment amount is smaller than the sum of the consumption point and the residual point, if so, directly deducting the deduction point corresponding to the difference of the commodity balance to be paid from the actual payment amount with the sum of the consumption point and the residual point, exiting after the payment is completed, and adding the deduction point, the consumption point and the residual point; otherwise, subtracting the off-line actual payment amount from the commodity balance to be paid to obtain the on-line to-be-paid amount to be paid on-line, and jumping to S6;
S6, judging whether the online to-be-paid amount is larger than the online total amount, if so, jumping to S8, otherwise, jumping to S7;
s7, carrying out online transaction through a preset payment sequence and payment constraint, exiting after payment is completed, and adding the consumption points and the rest;
s8, judging whether the absolute value of the deduction integral corresponding to the difference between the online to-be-paid amount and the online total amount is smaller than the sum of the consumption integral and the residual integral, if so, directly deducting the deduction integral corresponding to the difference between the online total amount and the online to-be-paid amount from the sum of the consumption integral and the residual integral, then completing payment, exiting, and adding the deduction integral, the consumption integral and the residual integral; otherwise, jumping to S9;
s9, judging whether cash is paid down in a line, if yes, jumping to S10, otherwise jumping to S11;
s10, subtracting the off-line payment amount of the S9 from the on-line payment amount to obtain a new on-line payment amount, and jumping to the S6;
s11, displaying that the payment amount is insufficient, and the integral storage module does not store the integral.
As optimization, the specific steps of S7 are:
s7.1, reading the current balance of each online payment module in the online hybrid payment modules;
S7.2, controlling at least one corresponding payment module to conduct online transaction based on the current balance of each online payment module, the payment sequence of the payment modules and payment constraint;
and S7.3, the matched payment module finds out the password corresponding to the payment module from the password storage module, and transmits the password to the matched payment module through the security verification module, so that the online payment of the amount is realized.
As optimization, before using the life platform system, each online payment module in the online hybrid payment module is corresponding to the electronic storage account and payment authorization is set, and then the payment sequence and payment constraint of the online payment module are set in the constraint storage module.
Compared with the prior art, the invention has the following advantages and beneficial effects:
according to the invention, the payment can be carried out on the same software platform without switching payment software by setting mixed payment and payment constraint, and meanwhile, when a certain electronic storage account needs to be paid out regularly (for example, a loan is regularly returned), if the balance is insufficient to pay the loan, the user can transfer the money from other electronic storage accounts to the electronic storage account, so that the situation that the payment amount is insufficient to pay the loan due to the fact that the user consumes the payment amount on the day of payment of the loan can be reduced by the payment constraint; the invention can carry out deduction under the condition of little difference through integrating deduction constraint, and balance the relation between consumers and the platform.
Drawings
In order to more clearly illustrate the technical solutions of the exemplary embodiments of the present invention, the drawings that are needed in the examples will be briefly described below, it being understood that the following drawings only illustrate some examples of the present invention and therefore should not be considered as limiting the scope, and that other related drawings may be obtained from these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a schematic diagram of a SaaS-based living platform system;
FIG. 2 is a flow chart of payment constraints;
fig. 3 is an internal connection diagram of a specific integral memory module.
In the drawings, the reference numerals and corresponding part names:
the system comprises a 1-living module, a 2-offline payment module, a 3-decision control module, a 4-integral storage module, a 41-difference integral library, a 42-consumption integral library, a 43-total integral library, a 5-data acquisition module, a 6-settlement module, a 7-constraint storage module, an 8-identity authentication module, a 9-online hybrid payment module, a 10-password storage module, an 11-security verification module, a 12-matching expenditure module, a 13-integral storage switch module, a 14-integral conversion module and a 15-integral comparison switch module.
Detailed Description
For the purpose of making apparent the objects, technical solutions and advantages of the present invention, the present invention will be further described in detail with reference to the following examples and the accompanying drawings, wherein the exemplary embodiments of the present invention and the descriptions thereof are for illustrating the present invention only and are not to be construed as limiting the present invention.
A SaaS-based living platform system of embodiment 1, as shown in fig. 1, includes: the output ends of the living module 1, the off-line payment module 2, the on-line hybrid payment module 9 and the settlement module 6 are connected with the integral storage module 4 through the integral conversion module 14 and the integral storage switch module 13 in sequence, the output ends of the living module 1, the off-line payment module 2, the off-line hybrid payment module 4 and the on-line hybrid payment module 9 are connected with the settlement module 6, the input ends of the off-line payment module 2 and the on-line hybrid payment module 9 are connected with the settlement module 6, the output ends of the data acquisition module 5, the integral storage module 4, the offline payment module 2, the online hybrid payment module 9, the settlement module 6 and the integral conversion module 14 are connected with the integral comparison switch module 15, the output end of the integral comparison switch module 15 is connected with the matched expenditure module 12, the output end of the matched expenditure module 12 is connected with the integral storage switch module 13, the input end of the data acquisition module 5 is connected with the online payment module, specifically, the integral storage module 4 comprises a total integral library, a consumption integral library and a differential integral library, the output end of the living module 1 is connected with the consumption integral library through the integral storage switch module 13, the output end of the total integral library is connected with the settlement module 6 and the integral comparison switch module 15, the matched expenditure module 12, the offline payment module 2, the output end of the settlement module 6 is connected with the differential score library through the score storage switch module 13 respectively, and the input end of the total score library is connected with the consumption score library and the differential score library respectively.
The intelligent authentication system comprises a living module 1, a point storage module 4, a data acquisition module 5, an online hybrid payment module 9 and a password storage module 10, and is characterized by further comprising the identity authentication module 8, a constraint storage module 7, a judgment control module 3, a password storage module 10 and a safety verification module 11, wherein the identity authentication module 8 is respectively connected with the living module 1, the point storage module 4, the data acquisition module 5, the online hybrid payment module 9 and the password storage module 10, the settlement module 6 is connected with the online hybrid payment module 9 through the judgment control module 3, the input end of the judgment control module 3 is also respectively connected with the data acquisition module 5 and the constraint storage module 7, the output end of the password storage module 10 is connected with the matching expenditure module 12 through the safety verification module 11, and the output end of the matching expenditure module 12 is connected with the password storage module 10.
Next, the specific functions of the foregoing modules are explained.
An identity authentication module 8 for authenticating identity information of a user in the living platform system; the identity authentication needs to be performed at a user side and a service side, the user side can be a computer or a mobile phone, and the service side logs in through the computer.
The living module 1 is used for recording the total amount of money generated by user consumption;
for example, after the online cafe covered by the living platform system is consumed, the total consumption amount of the consumption can be recorded through the living module 1, or after the online mall covered by the living platform system is consumed, the total consumption amount of the consumption can be recorded through the living module 1.
The offline payment module 2 is used for recording offline actual payment amount collected by the current consumption; the actual payment amount is cash, and if the user pays with cash, the specific amount paid by the cash is recorded.
The data acquisition module 5 acquires the current balance of each online payment module in the online hybrid payment module 9; and adding to obtain the total amount on the line;
for example, the online hybrid payment module 9 has three online payment modules, namely, a first online payment module, a second online payment module, and a third online payment module, where the current balance of the first online payment module is 201.23 yuan, the current balance of the second online payment module is 105.69 yuan, and the current balance of the third online payment module is 105.32 yuan, so that the total online amount is 201.23+105.69+105.32= 412.24 yuan.
The online hybrid payment module 9 comprises a plurality of online payment modules, and each online payment module is an electronic storage account capable of storing digital amount deposit, wherein the electronic storage account comprises a payment balance, a WeChat wallet, a bank card account and the like. Although the balance in the bank card account can be paid by the payment treasures and the WeChat, in the invention, the online hybrid payment module 9 is similar to the payment software, when the payment action is carried out, the balance of the payment treasures or the WeChat and other software is paid by setting the authorization, the balance of the payment treasures and the WeChat wallet are only used, meanwhile, the amount in the bank card account can be operated by setting the authorization, and the means for paying the electronic storage account capable of storing the deposit of the digital amount by the authorization is the existing means and is not repeated here. As shown in FIG. 1, there are N online payment modules, which are a first online payment module, a second online payment module, and an Nth online payment module.
The point conversion module 14 is configured to convert the total consumption amount into a consumption point according to a consumption point conversion constraint, and convert the total consumption amount into a deduction point based on a deduction point conversion constraint on the premise that the total actual payment amount is smaller than the balance of the commodity to be paid, wherein the balance of the commodity to be paid is equal to the total consumption amount minus the deduction amount, the total actual payment amount is equal to the sum of the off-line actual payment amount and the on-line actual payment amount, and the on-line actual payment amount is the payment amount of the matching payment module;
the point storage module 4 is used for converting the stored historical total points into corresponding deduction amounts, storing the consumption points at the same time, and adding and storing the deduction points converted from the difference between the commodity balance to be paid and the total actual payment amount and the residual points and consumption points obtained after the deduction of the historical total points; when the difference of subtracting the commodity balance to be paid from the total actual payment amount is negative, the deduction point is negative; for example, the balance of the commodity to be paid is 15.63 yuan, the total actual payment amount is 15.5 yuan, the difference is-0.13 yuan, the corresponding deduction point is-0.13 x 100 x M, M is the conversion multiple of the deduction point, and the deduction point conversion constraint is defined. For example, the consumer score conversion constraint is 1-element money corresponding to 1 score, and the withhold score conversion constraint is 20 scores withhold 1 division, then m=20.
Specifically, the total number of the point storage modules 4 is 3, which are respectively a difference point library 41, a consumption point library 42 and a total point library 43.
A total point library 43 for storing historical total points, and storing the historical total points to obtain remaining points after deduction amount according to deduction constraint, if consumption fails, historical total point deduction fails, and historical total points are recovered;
the consumption point library 42 is used for reading and storing consumption points from the point conversion module after successful consumption, storing the consumption points into the total point library and adding the consumption points with the residual points, and then clearing the consumption points in the consumption point library;
the difference integral library 41 is used for reading and storing deduction integral converted from absolute value of difference between commodity balance to be paid and total actual payment amount from the integral conversion module after successful consumption, storing the deduction integral into the total integral library, adding the deduction integral with the residual integral and consumption integral to form new total integral, and clearing the deduction integral in the difference integral library.
Therefore, the setting of the differential score library can enable the user to pay even if the user has less differential score, and when the differential score is within a certain range (the deduction score corresponding to the differential score is smaller than the sum of the residual score and the consumption score), the deduction can be carried out by deduction in advance, so that the current transaction is made, and the consumption relationship between the consumer and the platform is balanced.
For example, the current consumption of the user is 20.34 yuan, when the user is consuming the current consumption, the total of the offline and online is only 20.2 yuan, then there is a difference of-0.13 yuan, for example, the deduction integral conversion constraint is 0.01 yuan corresponding to 20 integral, the consumption integral conversion constraint is 0.01 yuan corresponding to 1 integral, the total integral base has no history total integral, then the deduction integral of-0.13 yuan corresponding to-260 and the consumption integral is 2034, then the absolute value of the deduction integral is smaller than the consumption integral +0 (residual integral), therefore, the difference can be deducted in advance, and the accumulated integral is 2034-260=1774.
When the historical total integral is deducted, the deduction constraint is as follows: and (3) withholding the 0.5 yuan of 1000 points, wherein each withholding withholds an integral multiple of 0.5 yuan, namely if the points are less than 1000 points, the withholding is not carried out, namely the points of each withholding are integers of 1000 points, and the rest points are left in the total point library.
The proportion of the points and money in the deduction point conversion constraint and the deduction constraint can be the same, the deduction point conversion constraint is 0.01-M, the consumption point conversion constraint is 0.01-N, M is larger than N, and M, N are all corresponding conversion multiples.
The settlement module 6 is used for recording the commodity balance to be paid after the total consumption amount and the deduction amount are deducted, and settling the on-line to-be-paid amount required by the on-line hybrid payment module according to the total consumption amount, the paid off-line actual payment amount and the deduction amount, or settling the off-line to-be-paid amount required by the off-line payment module according to the total amount, the deduction amount and the paid on-line actual payment amount;
For example, the total consumption amount is 100 yuan and the deduction amount is 1.5 yuan, and then the balance of the commodity to be paid is 98.5 yuan.
If the user pays 30 yuan in line with cash, the amount to be paid in line is 68.5 yuan;
if the user firstly uses cash to pay the actual amount of 38.5 yuan online, the amount to be paid online is 60 yuan;
if the user firstly uses cash to pay 98.5 yuan offline, the online amount to be paid is 0 yuan, and the online payment is not performed, and similarly, if the user firstly uses cash to pay 98.5 yuan offline, the offline amount to be paid is 0 yuan, the offline payment is not performed, and the settlement amount displayed by the settlement module 6 is 0.
If the user pays 98.3 yuan down/on line with cash, the deduction amount is-0.2 yuan, the corresponding deduction point is 400, and the current consumption point is 98300, the deduction can be directly carried out without paying in other modes, which is equivalent to deducting the difference of the current consumption in advance by using the current point, thus prompting the transaction to be completed on the premise of not losing fairness.
A constraint storage module 7 for storing the payment order of the payment module set by the user and payment constraints;
As shown in fig. 2, the payment constraint is specifically:
a1, selecting a payment module based on a payment sequence; here, each payment module corresponds to an electronic storage account.
A2, judging whether the online payment module is the first transaction when settling, if so, jumping to A3, otherwise, jumping to A9; the first transaction refers to whether the on-line payment module is traversed during payment, if so, the first transaction is transferred to A3, and if not, the first transaction is transferred to A9.
A3, judging whether the online payment module has a lower balance limit and a lower limit specified day for periodic expenditure, if so, jumping to A4, otherwise, jumping to A9;
the term "regular expenditure" refers to a monthly loan (including parking space loan, car loan, house loan, etc.), and the lower limit is the repayment day, so the term "regular expenditure" is mainly for bank card accounts, and therefore, if the online payment module corresponds to an electronic account such as a payment bank balance and a WeChat wallet, the lower limit of the balance is not required to be set.
A4, judging whether the payment moment is a lower limit rule day, if so, jumping to A5, otherwise, jumping to A9;
a5, judging whether the periodic expenditure is deducted, if yes, jumping to A9, otherwise, jumping to A6; here, the determination of whether the periodic payout is paid off specifically includes determining whether the digital amount of the payment module flows to a predetermined account, determining whether the periodic payout of the payment module is a set amount, and determining whether the periodic payout of the payment module is a set payment method (manual payout or automatic payout), and if the periodic payout is a loan, the determination is generally performed by automatic payout.
A6, judging whether the balance after subtracting the online amount to be paid on line from the current balance is larger than the lower limit of the balance, if so, jumping to A10, otherwise, jumping to A7;
a7, the current balance and the online amount are resisted to form a new online amount to be paid;
a8, selecting a next payment module based on the payment sequence, and returning to A2;
a9, judging whether the current balance is larger than the online amount required to be paid online, if so, jumping to A10, otherwise, jumping to A7;
a10, outputting payment module information and online amount information needing online payment to the matched payment module 12.
When a certain electronic storage account needs to be paid out regularly (for example, a loan is paid regularly), if the balance is insufficient to pay the loan, the electronic storage account is transferred from other electronic storage accounts, and the situation that the payment amount is insufficient to pay the loan due to the fact that the user consumes the payment amount on the day of the loan payment day can be reduced through the payment constraint.
If the user pays for the time of the payment day of the loan, the electronic storage account which needs to be paid for periodically pays out, and the electronic storage account does not need to consider the situation of periodic payouts, so that the electronic storage account can pay out, if the balance in the electronic storage account is not enough to pay out the online amount during payouts, the remaining online amount can be paid out through the next sequential payment module after the balance of the electronic storage account is paid out, and the judgment is also carried out through payment constraint when the next payment module pays out.
When the user does not consume the loan repayment day, the electronic storage account does not need to consider the condition of regular expenditure, so the electronic storage account can be paid, if the balance in the electronic storage account is insufficient for online expenditure, the remaining online expenditure of the electronic storage account can be paid through a next sequential payment module after the remaining online expenditure, and the payment constraint is also used for judging when the next online payment module pays.
If each online payment module is traversed once, and the online amount is found to be still not deducted, then the balance lower limit is not considered when traversing the online payment modules again, and deduction is directly carried out from the balance in the traversed first payment module with the balance, and the premise is that the sum of the balance of each online payment module is larger than the value of the online amount.
That is, when the first deduction is needed to consider the situation of loan, some electronic storage accounts can reserve the lower limit of the balance, and in this case, when the balance in all electronic storage accounts is deducted and the amount of the online amount is insufficient, the balance in the electronic storage account with the lower limit of the balance is used for deduction.
A decision control module 3 for controlling at least one payment module corresponding to the current balance of each payment module, the payment order of the payment modules and the payment constraint to conduct online transaction;
the password storage module 10 is used for storing the payment passwords corresponding to the payment modules, and the information stored in the password storage module 10 is the payment module information and the passwords corresponding to the payment modules;
the security verification module 11 is configured to perform identity verification of the user again when the payment password is transmitted, and ensure that the payment process is performed by the user himself, where the verification mode of the security verification module 11 includes one or more combinations of fingerprint verification, iris verification, and face recognition verification, if the verification mode of the security verification module 11 is multiple, the security verification module 11 sequentially performs verification based on the multiple verification modes according to the set order, and the set order information is stored in the password storage module 10. The set sequence may be: the first verification method may be performed while the second verification method is performed, or the second verification method may be performed while the first verification method is performed, and the third verification method may be performed.
For example, if the face recognition is performed simultaneously in the fingerprint verification process, multiple simultaneous verification means can be obtained by setting the verification sequence, so that the security is higher.
In summary, among the above modules, the identity authentication module 8, the living module 1, and the offline payment module 2 may be operated at a service end, where the service end may be understood as a vendor, that is, a party selling things (products or services), the data collection module 5, the integral storage module 4, the settlement module 6, the decision control module 3, the constraint storage module 7, the online hybrid payment module 9, the matching expenditure module 12, the password storage module 10, the security verification module 11, the integral storage switch module 13, the integral comparison switch module 15, and the integral conversion module 14 are all function modules disposed at a cloud end, and the operation end corresponding to the security verification module 11 is operated at a user end, and the identity authentication module 8 may also be operated at the user end.
The hybrid payment integration method of the SaaS-based living platform system of embodiment 2 comprises the following steps:
s1, authenticating identity information of a user in a living platform system, recording total consumption amount generated by consumption after consumption, obtaining consumption points through a point conversion module, judging whether the historical total points can be converted into corresponding deduction amount, if so, converting to obtain residual points, and deducting the total consumption amount to obtain commodity balance to be paid, and then jumping to S2, otherwise, directly jumping to S2;
Before using the life platform system, the online hybrid payment modules 9 are corresponding to the electronic storage accounts and set with payment authorization, and then the payment order and payment constraint of the payment modules are set in the constraint storage module 7.
S2, obtaining deposit amount and total online amount of each online payment module in the online hybrid payment module;
s3, judging whether an offline payment mode is used for payment, if yes, jumping to S4, otherwise jumping to S6;
s4, judging whether the actual payment amount of the off-line payment is equal to the balance of the commodity to be paid, if so, exiting after the payment is completed, and adding the deduction point and the consumption point which are obtained by subtracting the difference of the balance of the commodity to be paid from the actual payment amount of the off-line payment and the residual point, if the actual payment amount of the off-line payment is smaller than the balance of the commodity to be paid, jumping to S5;
s5, judging whether the absolute value of the deduction point corresponding to the difference of the commodity balance to be paid subtracted from the actual payment amount is smaller than the sum of the consumption point and the residual point, if so, directly deducting the deduction point corresponding to the difference of the commodity balance to be paid from the actual payment amount with the sum of the consumption point and the residual point, exiting after the payment is completed, and adding the deduction point, the consumption point and the residual point; otherwise, subtracting the off-line actual payment amount from the commodity balance to be paid to obtain the on-line to-be-paid amount to be paid on-line, and jumping to S6;
S6, judging whether the online to-be-paid amount is larger than the online total amount, if so, jumping to S8, otherwise, jumping to S7;
s7, carrying out online transaction through a preset payment sequence and payment constraint, exiting after payment is completed, and adding the consumption points and the rest;
in this embodiment, the specific steps of S7 are as follows:
s7.1, reading the current balance of each payment module in the online hybrid payment module 9;
s7.2, controlling at least one corresponding payment module to conduct online transaction based on the current balance of each payment module, the payment sequence of the payment module and the payment constraint;
and S7.3, the matched payment module 12 finds the password corresponding to the payment module from the password storage module 10, and transmits the password to the matched payment module 12 through the security verification module 11, so that online payment of the amount is realized.
S8, judging whether the absolute value of the deduction integral corresponding to the difference between the online to-be-paid amount and the online total amount is smaller than the sum of the consumption integral and the residual integral, if so, directly deducting the deduction integral corresponding to the difference between the online total amount and the online to-be-paid amount from the sum of the consumption integral and the residual integral, then completing payment, exiting, and adding the deduction integral, the consumption integral and the residual integral; otherwise, jumping to S9;
S9, judging whether cash is paid down in a line, if yes, jumping to S10, otherwise jumping to S11;
s10, subtracting the off-line payment amount of the S9 from the on-line payment amount to obtain a new on-line payment amount, and jumping to the S6;
s11, displaying that the payment amount is insufficient, and the integral storage module does not store the integral.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (6)
1. A SaaS-based living platform system, comprising: the system comprises a life module, an integral storage switch module, a settlement module, an integral storage module, an integral conversion module, a data acquisition module, an offline payment module, an online hybrid payment module, an integral comparison switch module and a matched expenditure module, wherein the output ends of the life module, the offline payment module, the online hybrid payment module and the settlement module are sequentially connected with the integral storage module through the integral conversion module and the integral storage switch module, the output ends of the life module, the offline payment module, the integral storage module and the online hybrid payment module are connected with the settlement module, the input ends of the offline payment module and the online hybrid payment module are connected with the settlement module, the output ends of the data acquisition module, the integral storage module, the offline payment module, the online hybrid payment module, the settlement module and the integral conversion module are connected with the integral comparison switch module, the output end of the integral comparison switch module is connected with the matched expenditure module, the output end of the matched expenditure module is connected with the integral storage switch module, and the input end of the data acquisition module is connected with the online payment module.
The system comprises a living module, a settlement module, an off-line payment module, a balance storage module, a balance comparison module, a balance storage module and a balance storage module, wherein the output end of the living module is connected with the balance storage module through the balance storage switch module;
the system comprises a living module, a settlement module, a constraint storage module, a judgment control module, a password storage module and a safety verification module, wherein the living module, the integration storage module, the data acquisition module, the online hybrid payment module and the password storage module are respectively connected with the identity authentication module, the integration storage module, the data acquisition module, the online hybrid payment module and the password storage module;
The living module is used for recording the total consumption amount generated by user consumption;
the offline payment module is used for recording offline actual payment amount collected by the current consumption;
the data acquisition module is used for acquiring the current balance of each online payment module in the online hybrid payment module and summing up the current balance to obtain the online total amount;
the online hybrid payment module comprises a plurality of online payment modules, and each online payment module is an electronic storage account capable of storing digital amount deposit;
the point conversion module is used for obtaining the consumption points according to the consumption point conversion constraint of the total consumption amount, converting the total consumption amount into deduction points according to the deduction point conversion constraint on the premise that the total actual payment amount is smaller than the balance of the commodity to be paid, wherein the balance of the commodity to be paid is equal to the total consumption amount minus the deduction amount, the total actual payment amount is equal to the sum of the off-line actual payment amount and the on-line actual payment amount, and the on-line actual payment amount is the expenditure amount of the matched expenditure module;
the point storage module is used for converting the stored historical total points into corresponding deduction amounts, storing the consumption points at the same time, and adding and storing residual points and consumption points obtained after the deduction points converted from the difference between the balance of the commodity to be paid and the total actual payment amount are deducted from the historical total points; when the difference of subtracting the commodity balance to be paid from the total actual payment amount is negative, the deduction point is negative;
The integral storage module comprises a total integral library, is used for storing historical total integral, stores the historical total integral to obtain remaining integral after deduction amount according to deduction constraint, and if consumption fails, historical total integral deduction fails, and historical total integral is recovered;
the consumption point library is used for reading and storing consumption points from the point conversion module after the consumption is successful, storing the consumption points into the total point library and adding the total points with the residual points, and then clearing the consumption points in the consumption point library;
the difference integral library is used for reading and storing deduction integral converted from absolute value of difference between commodity balance to be paid and total actual payment amount from the integral conversion module after successful consumption, storing the deduction integral into the total integral library, adding the deduction integral with the residual integral and consumption integral to form new total integral, and clearing the deduction integral in the difference integral library;
the point comparison switch module is used for controlling whether the on-line payment is required according to the sum of the balance of the commodity to be paid and the off-line actual payment amount and the on-line total amount and according to the sum of the absolute value of the deduction point and the sum of the consumption point and the residual point, the matched payment module outputs a signal to be successfully consumed, and if the balance of the commodity to be paid is not more than the sum of the off-line actual payment amount and the on-line total amount, the point comparison switch module is in a closed state;
When the balance of the commodity to be paid is larger than the off-line actual payment amount and the on-line total amount, if the absolute value of the deduction integral corresponding to the difference between the balance of the commodity to be paid and the total actual payment amount is smaller than the sum of the consumption integral and the residual integral, the integral comparison switch module is in a closed state, otherwise, the integral comparison switch module is in an open state and reminds the consumer of insufficient payment amount, wherein the on-line actual payment amount is not larger than the on-line total amount;
the point storage switch module is used for controlling whether consumption points and deduction points corresponding to the living module, the off-line payment module and the matched expenditure module are stored in the point storage module or not; the opening and closing states of the integral storage switch module are controlled through the output signals of the matching expenditure module, when the matching expenditure module has the output signals, the integral storage switch module is in a closed state, and otherwise, the integral storage switch module is in an open state;
when the integral storage switch module is closed, deduction integral corresponding to the balance of the commodity to be paid and the difference of the total actual payment amount is stored into the difference integral library;
The settlement module is used for recording commodity balance to be paid after the total consumption amount and the deduction amount are deducted, and settling the on-line to-be-paid amount required by the on-line hybrid payment module according to the total consumption amount, the paid off-line actual payment amount and the deduction amount, or settling the off-line to-be-paid amount required by the off-line payment module according to the total amount, the deduction amount and the paid on-line actual payment amount;
the matched payment module is used for finding out a password corresponding to the online payment module from the password storage module through the matched payment module when a certain online payment module carries out online transaction, and transmitting the password to the matched payment module through the security verification module to realize the payment of the online actual payment amount, wherein the sum of the offline actual payment amount and the online actual payment amount is the total actual payment amount;
the constraint storage module is used for storing the payment sequence and payment constraint of the online payment module set by a user;
the judging control module is used for controlling at least one corresponding online payment module to conduct online transaction based on the current balance of each online payment module, the payment sequence of the online payment modules and payment constraint;
The password storage module is used for storing payment passwords corresponding to the online payment modules;
the safety verification module is used for carrying out identity confirmation of the user again when carrying out payment password transmission, and ensuring that the payment process is carried out by the user himself;
the payment constraints are specifically:
a1, selecting an online payment module based on a payment sequence;
a2, judging whether the online payment module is the first transaction when settling, if so, jumping to A3, otherwise, jumping to A9;
a3, judging whether the online payment module has a lower balance limit and a lower limit specified day for periodic expenditure, if so, jumping to A4, otherwise, jumping to A9;
a4, judging whether the payment moment is a lower limit rule day, if so, jumping to A5, otherwise, jumping to A9;
a5, judging whether the periodic expenditure is deducted, if yes, jumping to A9, otherwise, jumping to A6;
a6, judging whether the balance after subtracting the online amount to be paid on line from the current balance is larger than the lower limit of the balance, if so, jumping to A10, otherwise, jumping to A7;
a7, deducting the current balance and the online amount to form a new online amount to be paid;
a8, selecting a next online payment module based on the payment sequence, and returning to A2;
A9, judging whether the current balance is larger than the online amount required to be paid online, if so, jumping to A10, otherwise, jumping to A7;
a10, outputting the information of the online payment module and the information of the online money amount to be paid online to a matched payment module.
2. The SaaS recited in claim 1, wherein in A5, determining whether the periodic payout is deducted includes determining whether a digital amount of the online payment module flows to a predetermined account, determining whether the periodic payout of the online payment module is a set amount, and determining whether the periodic payout of the online payment module is a set payment method.
3. The SaaS set forth in claim 2, wherein the authentication mode of the security authentication module includes one or more of fingerprint authentication, iris authentication, and face recognition authentication, and if the authentication modes of the security authentication module are plural, the security authentication module sequentially performs authentication based on the plural authentication modes according to a set order, and the set order information is stored in the password storage module.
4. A hybrid payment integration method of a SaaS-based living platform system, which is implemented on the SaaS-based living platform system according to any one of claims 1 to 3, and is characterized by comprising the following steps:
S1, authenticating identity information of a user in a living platform system, recording total consumption amount generated by consumption after consumption, obtaining consumption points through a point conversion module, judging whether the historical total points can be converted into corresponding deduction amount, if so, converting to obtain residual points, and deducting the total consumption amount to obtain commodity balance to be paid, and then jumping to S2, otherwise, directly jumping to S2;
s2, obtaining deposit amount and total online amount of each online payment module in the online hybrid payment module;
s3, judging whether an offline payment mode is used for payment, if yes, jumping to S4, otherwise jumping to S6;
s4, judging whether the paid off-line actual payment amount is larger than or equal to the commodity balance to be paid, if so, exiting after the payment is completed, and adding the deduction integral and the consumption integral which are obtained by subtracting the difference of the commodity balance to be paid from the off-line actual payment amount and the residual integral, otherwise, jumping to S5;
s5, judging whether the absolute value of the deduction integral corresponding to the difference between the commodity balance to be paid and the off-line actual payment amount is smaller than the sum of the consumption integral and the residual integral, if so, directly deducting the difference between the commodity balance to be paid and the off-line actual payment amount by the sum of the consumption integral and the residual integral, exiting after the payment is completed, and adding the deduction integral, the consumption integral and the residual integral; otherwise, subtracting the off-line actual payment amount from the commodity balance to be paid to obtain the on-line to-be-paid amount to be paid on-line, and jumping to S6;
S6, judging whether the online to-be-paid amount is larger than the online total amount, if so, jumping to S8, otherwise, jumping to S7;
s7, carrying out online transaction through a preset payment sequence and payment constraint, exiting after payment is completed, and adding the consumption points and the rest;
s8, judging whether the absolute value of the deduction integral corresponding to the difference between the online to-be-paid amount and the online total amount is smaller than the sum of the consumption integral and the residual integral, if so, directly deducting the difference between the online to-be-paid amount and the online total amount by the sum of the consumption integral and the residual integral, then completing payment, exiting, and adding the deduction integral, the consumption integral and the residual integral; otherwise, jumping to S9;
s9, judging whether cash is paid down in a line, if yes, jumping to S10, otherwise jumping to S11;
s10, subtracting the off-line payment amount of the S9 from the on-line payment amount to obtain a new on-line payment amount, and jumping to the S6;
s11, displaying that the payment amount is insufficient, and the integral storage module does not store the integral.
5. The hybrid payment integration method of the SaaS-based life platform system according to claim 4, wherein the specific steps of S7 are as follows:
S7.1, reading the current balance of each online payment module in the online hybrid payment modules;
s7.2, controlling at least one corresponding payment module to conduct online transaction based on the current balance of each online payment module, the payment sequence of the payment modules and payment constraint;
and S7.3, the matched payment module finds out the password corresponding to the payment module from the password storage module, and transmits the password to the matched payment module through the security verification module, so that the online payment of the amount is realized.
6. The hybrid payment integration method of a SaaS-based life platform system according to claim 4, wherein before using the life platform system, each online payment module of the online hybrid payment modules is associated with an electronic storage account and a payment authorization is set, and then a payment order and a payment constraint of the online payment modules are set in a constraint storage module.
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