CN117236941A - Enterprise grading-based payment settlement method, device, equipment and medium - Google Patents
Enterprise grading-based payment settlement method, device, equipment and medium Download PDFInfo
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Abstract
The invention discloses a payment settlement method, a device, equipment and a medium based on enterprise classification, wherein the method comprises the following steps: and grading suppliers in the supply database according to grading rules to obtain corresponding grading results, judging whether the settlement request input by the supply end meets corresponding settlement conditions, if so, acquiring settlement parameters corresponding to the settlement request from a parameter configuration table, calculating calculated amount in the settlement request according to the settlement parameters to obtain settlement payment information, and synchronously transmitting the settlement payment information to the supply end and the payment end corresponding to the settlement request. According to the payment settlement method, grading can be carried out according to the current operation condition of the provider, settlement payment information is calculated after settlement parameters corresponding to the receiving request are obtained according to the grading result, and accordingly corresponding settlement payment information is reasonably determined based on the current operation condition of the provider, and accordingly the matching degree of the payment settlement process and settlement risk is improved.
Description
Technical Field
The invention relates to the technical field of internet finance, in particular to a payment settlement method, device, equipment and medium based on enterprise grading.
Background
In order to improve payment efficiency, a part of financial enterprises can issue financial products, suppliers select to enable the enterprises to pay in advance according to the issued financial products, the enterprises receive certain discounts, and the suppliers can obtain refunds in advance. In the prior art, the enterprise party and the provider are usually in butt joint, and the agreed payment mode, the payment amount, the payment discount rate and other payment details are negotiated, and the agreed mode is usually subjective and cannot reasonably determine the corresponding payment details according to the current operation condition of the provider, so that the payment settlement process of the two parties cannot be matched with the settlement risk, and the risk is higher in part of the settlement process. Therefore, the prior art method has a problem of not matching with settlement risk when payment settlement is performed.
Disclosure of Invention
The embodiment of the invention provides a payment settlement method, device, equipment and medium based on enterprise classification, which aim to solve the problem that the payment settlement risk is not matched with the settlement risk in the prior art method.
In a first aspect, an embodiment of the present invention provides a payment settlement method based on enterprise classification, where the method is applied to a settlement management terminal, where the settlement management terminal is connected to a supply end and a payment end through a network respectively to implement transmission of data information, and the method includes:
classifying suppliers in a supply database according to preset classification rules, and determining classification results corresponding to the suppliers;
receiving a settlement request input by the supply end, and judging whether the settlement request meets a settlement condition corresponding to the settlement request;
if the settlement conditions are met, acquiring settlement parameters corresponding to the settlement request from a parameter configuration table according to the grading result;
calculating a settlement value in the settlement request according to the settlement parameters to obtain corresponding settlement payment information;
and synchronously sending the settlement payment information to a supply end and a payment end corresponding to the settlement request.
In a second aspect, an embodiment of the present invention further provides a payment settlement device based on enterprise classification, where the device is configured in a settlement management terminal, where the settlement management terminal is connected to a supply end and a payment end through a network respectively to implement transmission of data information, and the device is configured to execute the payment settlement method based on enterprise classification according to the first aspect, and the device includes:
the grading result acquisition unit is used for grading suppliers in the supply database according to preset grading rules and determining grading results corresponding to the suppliers;
a settlement request judging unit, configured to receive a settlement request input by the payment terminal, and judge whether the settlement request meets a settlement condition corresponding to the settlement request;
the settlement parameter acquisition unit is used for acquiring settlement parameters corresponding to the settlement request from the parameter configuration table according to the grading result if the settlement conditions are met;
the settlement payment information acquisition unit is used for calculating settlement values in the settlement request according to the settlement parameters to obtain corresponding settlement payment information;
and the settlement payment information sending unit is used for synchronously sending the settlement payment information to a supply end and a payment end corresponding to the settlement request.
In a third aspect, an embodiment of the present invention further provides a computer device, where the device includes a processor, a communication interface, a memory, and a communication bus, where the processor, the communication interface, and the memory complete communication with each other through the communication bus;
a memory for storing a computer program;
and the processor is used for realizing the steps of the payment settlement method based on the enterprise hierarchy when executing the program stored in the memory.
In a fourth aspect, embodiments of the present invention also provide a computer readable storage medium having a computer program stored thereon, wherein the computer program when executed by a processor implements the steps of the enterprise-class-based payment settlement method as described in the first aspect above.
The embodiment of the invention provides a payment settlement method, device, equipment and medium based on enterprise classification, wherein the method comprises the following steps: and grading suppliers in the supply database according to grading rules to obtain corresponding grading results, judging whether the settlement request input by the supply end meets corresponding settlement conditions, if so, acquiring settlement parameters corresponding to the settlement request from a parameter configuration table, calculating calculated amount in the settlement request according to the settlement parameters to obtain settlement payment information, and synchronously transmitting the settlement payment information to the supply end and the payment end corresponding to the settlement request. According to the payment settlement method, grading can be carried out according to the current operation condition of the provider, settlement payment information is calculated after settlement parameters corresponding to the receiving request are obtained according to the grading result, and accordingly corresponding settlement payment information is reasonably determined based on the current operation condition of the provider, and accordingly the matching degree of the payment settlement process and settlement risk is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a method flow diagram of an enterprise hierarchy based payment settlement method provided by an embodiment of the present invention;
fig. 2 is an application scenario schematic diagram of a payment settlement method based on enterprise hierarchy according to an embodiment of the present invention;
FIG. 3 is a schematic block diagram of an enterprise hierarchy based payment settlement device provided by an embodiment of the present invention;
fig. 4 is a schematic block diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be understood that the terms "comprises" and "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in this specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in the present specification and the appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes such combinations.
Referring to fig. 1 and fig. 2, as shown in the drawing, an embodiment of the present invention provides a payment settlement method based on enterprise hierarchy, which is applied to a settlement management terminal 10, where the settlement management terminal 10 is connected to a supply end 20 and a payment end 30 respectively through a network to realize transmission of data information, the settlement management terminal 10 is a terminal device for interfacing a provider with a payment enterprise, and the settlement management terminal 10 may be a management server configured on a side of a docking platform for docking; the supply end 20 is a terminal device configured at one side of a supplier, the supplier supplies goods to a target customer, and the target customer has a reasonable amount within a contracted time; the payment terminal 30 is a terminal device configured on the payment corporation side, and the payment corporation may provide the supplier with the right to acquire the supplier and pay the supplier with priority (the payment corporation pays in advance before the payment period agreed by the target customer), and the payment corporation acquires the right and then pays to the target customer receiving the goods. The supply end 20 and the payment end 30 may be terminal devices such as a desktop computer, a notebook computer, a tablet computer, or a mobile phone. As shown in fig. 1, the method includes steps S110 to S150.
S110, grading suppliers in the supply database according to preset grading rules, and determining grading results corresponding to the suppliers.
And grading suppliers in the supply database according to preset grading rules, and determining grading results corresponding to the suppliers. Specifically, before calculating and acquiring settlement payment information, suppliers in a supply database may be first classified according to a classification rule, the supply database contains relevant data information of each supplier, the relevant data information of the suppliers in the supply database is updated periodically, and the classification rule is a specific rule for analyzing the relevant data information of the suppliers and determining the level of each supplier.
The ranking of the suppliers may be performed when a new supplier is added to the supply database, or may be performed once every other period of time (e.g., one week, 10 days, or one month) for all suppliers in the supply database.
The classification result of each provider can be determined by performing a classification operation on the provider once, and if a certain provider does not perform classification for the first time, the old classification result is covered by the new classification result.
In a specific embodiment, the step S110 includes: scoring the supply data of each supplier in the supply database according to the supply scoring rule in the grading rule to obtain the corresponding supply scoring value of each supplier; scoring the credit data of each provider in the provisioning database according to the credit scoring rule in the grading rule to obtain the credit scoring value corresponding to each provider; and determining target levels matched with the supply grading values and the credit grading values of all suppliers from preset levels in the grading rules as corresponding grading results.
Specifically, the grading rule includes a supply grading rule, and supply data of each supplier can be obtained from a supply database according to the supply grading rule for grading, wherein the supply data includes a single maximum supply quantity, a month average supply quantity and average supply time, and the single maximum supply quantity is the highest supply quantity when the target customer is supplied at a time, the month average supply quantity is the average supply quantity of each month, and the average supply time is the average of time spent from receiving an order to delivering the goods. Wherein, the supply scoring rule can be expressed by the formula (1):
wherein S is 1 In order to obtain the supply score value, pm is the single maximum supply quantity (in thousands), py is the average supply quantity (in thousands), t is the average supply time (in days), and ln is the logarithm operation based on a constant e.
Further, the grading rule further includes a credit grading rule, where the credit grading rule is a specific rule for grading credit data of each supplier, and the credit data includes a number of default times, a number of legal disputes, a number of administrative penalties, and a liability ratio, where the number of default times is a number of times the supplier violates a supply contract in the past 1 year, the number of infringement disputes is a number of legal disputes that the supplier makes with other enterprises in the past 1 year, the number of administrative penalties is a number of administrative penalties that the supplier receives in the past 1 year, and the liability ratio is a ratio between a total of liabilities of the supplier and a total of assets. Wherein, the credit scoring rule can be expressed by the formula (2):
S 2 ＝z×(C 1 +eC 2 +e 2 C 3 ) (2)；
wherein S is 2 For the credit score value obtained, z is the liability ratio, C 1 、C 2 、C 3 The number of times of default, the number of times of legal disputes and the number of times of administrative punishment are respectively, and e is a natural logarithmic base number.
The grading rule comprises a plurality of preset grades, each preset grade corresponds to a preset score interval, the supply score value is divided by the credit score value, the calculated result obtained after division is matched with the preset score interval of each preset grade, and one preset grade matched with the calculated result between the preset score intervals is obtained as a target grade, for example, four preset grades A, B, C, D can be configured in the grading rule. Each supplier can obtain a supply grading value and a credit grading value respectively, and each supplier can correspondingly grade to obtain a matched target grade, and the target grades of all suppliers are combined to form a corresponding grading result.
S120, receiving a settlement request input by the supply end, and judging whether the settlement request meets a settlement condition corresponding to the settlement request.
And receiving a settlement request input by the supply end, and judging whether the settlement request meets a settlement condition corresponding to the settlement request. The settlement request from the supply end can be received, namely the settlement request is request information which is correspondingly provided by the supplier for financial products issued by the payment enterprises, if the settlement request is received, whether the settlement request meets the corresponding settlement conditions can be judged, and the settlement conditions corresponding to different settlement requests are different.
In a specific embodiment, before the step S120, the method further includes: acquiring an initial limiting condition corresponding to the settlement request; acquiring preset limiting conditions of a payment terminal corresponding to the settlement request; and combining the initial limiting conditions and the preset limiting conditions to obtain corresponding settlement conditions.
Specifically, an initial limit condition corresponding to a settlement request may be obtained, where the settlement request includes information related to an advanced payment amount, an applied draft proportion, a post day, and the like. The settlement management terminal can pre-configure the maximum draft proportion corresponding to different payment amounts, and the original draft proportion and the amount to be received in the supply protocol corresponding to each settlement request, so that the maximum draft proportion corresponding to the advanced payment amount can be obtained. For example, the advance payment amount interval is 0-100 ten thousand (inclusive), the corresponding maximum draft ratio is 70%, the advance payment amount interval is 100 ten thousand (exclusive) to 500 ten thousand (inclusive), and the corresponding maximum draft ratio is 60%. Further, the original draft proportion and the amount to be collected in the goods supply protocol corresponding to the payment amount in advance are obtained, and the obtained maximum draft proportion, original draft proportion and amount to be collected matched with the settlement request are used as corresponding initial limiting conditions.
The payment terminal can preset corresponding preset limiting conditions in the released financial products, wherein the preset limiting conditions comprise limiting draft proportion, maximum settlement days and the like.
And combining the obtained initial limiting conditions with preset limiting conditions, for example, selecting a minimum value from the maximum draft proportion, the original draft proportion and the limiting draft proportion as a limiting value, and combining the minimum value with the amount to be charged of the goods and the maximum settlement days so as to obtain corresponding settlement conditions.
Further, whether the related data in the settlement request is within a numerical range defined by the settlement conditions is judged, so that whether the settlement request meets the corresponding settlement conditions is judged. For example, it may be determined whether the application draft ratio in the settlement request is smaller than the corresponding limit value in the settlement condition, whether the extracted payment amount in the settlement request is smaller than the amount to be charged for goods in the settlement condition, and whether the number of days to be posted is smaller than the maximum number of days in the settlement condition, if the three determinations are yes, it is determined that the settlement request satisfies the corresponding settlement condition; if any one of the three judgment results is negative, judging that the settlement request does not meet the corresponding settlement conditions.
And S130, if the settlement conditions are met, acquiring settlement parameters corresponding to the settlement request from a parameter configuration table according to the grading result.
And if the settlement conditions are met, acquiring settlement parameters corresponding to the settlement request from a parameter configuration table according to the grading result. If the settlement conditions are met, acquiring settlement parameters corresponding to the settlement requests from the parameter configuration table according to the grading result, wherein the settlement parameters can be used for calculating settlement values. If the judgment result is that the settlement condition is not met, corresponding prompt information can be sent to the supply end so as to prompt the supply end to adjust the specific numerical value in the settlement request, and the adjusted settlement request is sent again.
In a specific embodiment, the step S130 includes: obtaining a target grade corresponding to a supplier in the settlement request in the grading result; acquiring a first settlement parameter corresponding to the target grade from the parameter configuration table; acquiring a second settlement parameter corresponding to the settlement request from the parameter configuration table; and combining the first settlement parameters with the second settlement parameters to obtain corresponding settlement parameters.
The grading result includes a target grade corresponding to each provider, and then the target grade of the provider corresponding to the received request can be obtained from the grading result, and a first settlement parameter corresponding to the target grade is obtained from the parameter configuration table, for example, the target grade is C, and the corresponding first settlement parameter includes a bid discount rate: 0.0250, the first settlement parameter may include other parameters in addition to the bid discount rate.
And obtaining a second settlement parameter corresponding to the settlement request from the parameter configuration table, wherein the second settlement parameter comprises a relevant parameter value of a supply protocol corresponding to the settlement request, the second settlement parameter comprises an original draft proportion, and the second settlement parameter can also comprise other parameters besides the original draft proportion.
And combining the obtained first settlement parameters with the second calculation parameters so as to obtain calculation parameters corresponding to the settlement request.
And S140, calculating the settlement value in the settlement request according to the settlement parameters to obtain corresponding settlement payment information.
And calculating the settlement value in the settlement request according to the settlement parameters to obtain corresponding settlement payment information. Calculating a settlement value in the settlement request according to the settlement parameter so as to obtain settlement payment information, wherein the settlement payment information at least comprises discount income, annual income rate and actual discount rate.
In a specific embodiment, the step S140 includes: acquiring a settlement calculation formula of each settlement item corresponding to the settlement request; respectively inputting the settlement parameters and the settlement values into settlement calculation formulas corresponding to the settlement items, and calculating to obtain settlement values corresponding to the settlement items; and combining the settlement values corresponding to the settlement items respectively to obtain the settlement payment information.
And after the settlement calculation formulas of the settlement items are acquired, the settlement parameters and the settlement values in the settlement requests are respectively input into the settlement calculation formulas corresponding to the settlement items for calculation, so that the settlement values corresponding to the settlement items are obtained, and then the settlement values corresponding to all the settlement items are combined into settlement payment information.
Wherein, the settlement calculation formula corresponding to the discount income is: discount profit = advance payment amount x (original draft ratio-applied draft ratio) x bid discount rate x days on stream; the settlement calculation formula corresponding to the annual yield is: annual rate of return = bid discount rate x r, where r is a preset number of days, e.g., r = 360 is set. The settlement calculation formula corresponding to the actual discount rate is: actual discount rate = discount profit/advance payment amount.
And S150, synchronously transmitting the settlement payment information to a supply end and a payment end corresponding to the settlement request.
And synchronously sending the settlement payment information to a supply end and a payment end corresponding to the settlement request. Synchronously transmitting the acquired settlement payment information to a payment end corresponding to a payment enterprise and a supply end corresponding to a supplier; after receiving the settlement payment information, the payment enterprise can feed back corresponding confirmation information (agreeing or disagreeing) through the payment terminal, and after receiving the settlement payment information, the supplier can feed back corresponding confirmation information (agreeing or disagreeing) through the supply terminal, and the settlement management terminal carries out payment settlement processing of the follow-up draft according to the confirmation information fed back by the supply terminal and the payment terminal respectively.
The method, the device, the equipment and the medium for payment settlement based on enterprise classification provided by the embodiment of the invention comprise the following steps: and grading suppliers in the supply database according to grading rules to obtain corresponding grading results, judging whether the settlement request input by the supply end meets corresponding settlement conditions, if so, acquiring settlement parameters corresponding to the settlement request from a parameter configuration table, calculating calculated amount in the settlement request according to the settlement parameters to obtain settlement payment information, and synchronously transmitting the settlement payment information to the supply end and the payment end corresponding to the settlement request. According to the payment settlement method, grading can be carried out according to the current operation condition of the provider, settlement payment information is calculated after settlement parameters corresponding to the receiving request are obtained according to the grading result, and accordingly corresponding settlement payment information is reasonably determined based on the current operation condition of the provider, and accordingly the matching degree of the payment settlement process and settlement risk is improved.
The embodiment of the invention also provides a payment settlement device based on the enterprise hierarchy, which can be configured in a settlement management terminal and is used for executing any embodiment of the payment settlement method based on the enterprise hierarchy. In particular, referring to fig. 3, fig. 3 is a schematic block diagram of an enterprise-class-based payment settlement device according to an embodiment of the present invention.
As shown in fig. 3, the business-grading-based payment settlement device 100 includes a grading result acquisition unit 110, a settlement request judgment unit 120, a settlement parameter acquisition unit 130, a settlement payment information acquisition unit 140, and a settlement payment information transmission unit 150.
The grading result obtaining unit 110 is configured to grade suppliers in the supply database according to a preset grading rule, and determine grading results corresponding to the suppliers.
And a settlement request judging unit 120, configured to receive a settlement request input by the payment terminal, and judge whether the settlement request meets a settlement condition corresponding to the settlement request.
And a settlement parameter obtaining unit 130, configured to obtain settlement parameters corresponding to the settlement request from the parameter configuration table according to the classification result if the settlement condition is satisfied.
And the settlement payment information obtaining unit 140 is configured to calculate a settlement value in the settlement request according to the settlement parameter, so as to obtain corresponding settlement payment information.
And a settlement payment information sending unit 150, configured to send the settlement payment information to a supply end and a payment end corresponding to the settlement request synchronously.
The payment settlement device based on enterprise classification provided by the embodiment of the invention applies the payment settlement method based on enterprise classification, classifies suppliers in a supply database according to classification rules to obtain corresponding classification results, judges whether a settlement request input by a supply end meets corresponding settlement conditions, acquires settlement parameters corresponding to the settlement request from a parameter configuration table if the settlement request meets the corresponding settlement conditions, calculates calculated amount in the settlement request according to the settlement parameters to obtain settlement payment information, and synchronously sends the settlement payment information to the supply end and the payment end corresponding to the settlement request. According to the payment settlement method, grading can be carried out according to the current operation condition of the provider, settlement payment information is calculated after settlement parameters corresponding to the receiving request are obtained according to the grading result, and accordingly corresponding settlement payment information is reasonably determined based on the current operation condition of the provider, and accordingly the matching degree of the payment settlement process and settlement risk is improved.
The above-described business-hierarchy based payment settlement apparatus may be implemented in the form of a computer program which can be run on a computer device as shown in fig. 4.
Referring to fig. 4, fig. 4 is a schematic block diagram of a computer device according to an embodiment of the present invention. The computer device may be a settlement management terminal 10 for performing a business-grading-based payment settlement method for interfacing a provider with a payment business.
Referring to fig. 4, the computer device 500 includes a processor 502, a memory, and a network interface 505, which are connected by a communication bus 501, wherein the memory may include a storage medium 503 and an internal memory 504.
The storage medium 503 may store an operating system 5031 and a computer program 5032. The computer program 5032, when executed, may cause the processor 502 to perform an enterprise hierarchy based payment settlement method, wherein the storage medium 503 may be a volatile storage medium or a non-volatile storage medium.
The processor 502 is used to provide computing and control capabilities to support the operation of the overall computer device 500.
The internal memory 504 provides an environment for the execution of a computer program 5032 in the storage medium 503, which computer program 5032, when executed by the processor 502, causes the processor 502 to perform an enterprise hierarchy based payment settlement method.
The network interface 505 is used for network communication, such as providing for transmission of data information, etc. It will be appreciated by those skilled in the art that the architecture shown in fig. 4 is merely a block diagram of some of the architecture relevant to the present inventive arrangements and is not limiting of the computer device 500 to which the present inventive arrangements may be implemented, and that a particular computer device 500 may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
The processor 502 is configured to execute a computer program 5032 stored in a memory to implement the corresponding functions in the enterprise-hierarchy based payment settlement method.
Those skilled in the art will appreciate that the embodiment of the computer device shown in fig. 4 is not limiting of the specific construction of the computer device, and in other embodiments, the computer device may include more or less components than those shown, or certain components may be combined, or a different arrangement of components. For example, in some embodiments, the computer device may include only a memory and a processor, and in such embodiments, the structure and function of the memory and the processor are consistent with the embodiment shown in fig. 4, and will not be described again.
It should be appreciated that in an embodiment of the invention, the processor 502 may be a central processing unit (Central Processing Unit, CPU), the processor 502 may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSPs), application specific integrated circuits (Application Specific Integrated Circuit, ASICs), off-the-shelf programmable gate arrays (Field-Programmable Gate Array, FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. Wherein the general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
In another embodiment of the invention, a computer-readable storage medium is provided. The computer readable storage medium may be a volatile or nonvolatile computer readable storage medium. The computer readable storage medium stores a computer program which when executed by a processor implements the steps involved in the enterprise hierarchy based payment settlement method described above.
It will be clearly understood by those skilled in the art that, for convenience and brevity of description, specific working procedures of the apparatus, device and unit described above may refer to corresponding procedures in the foregoing method embodiments, which are not repeated herein. Those of ordinary skill in the art will appreciate that the elements and algorithm steps described in connection with the embodiments disclosed herein may be embodied in electronic hardware, in computer software, or in a combination of the two, and that the elements and steps of the examples have been generally described in terms of function in the foregoing description to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the several embodiments provided by the present invention, it should be understood that the disclosed apparatus, device and method may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, and for example, the division of the units is merely a logical function division, there may be another division manner in actual implementation, or units having the same function may be integrated into one unit, for example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. In addition, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices, or elements, or may be an electrical, mechanical, or other form of connection.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiment of the present invention.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention is essentially or part of what contributes to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a computer-readable storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned computer-readable storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a magnetic disk, an optical disk, or other various media capable of storing program codes.
While the invention has been described with reference to certain preferred embodiments, it will be understood by those skilled in the art that various changes and substitutions of equivalents may be made and equivalents will be apparent to those skilled in the art without departing from the scope of the invention. Therefore, the protection scope of the invention is subject to the protection scope of the claims.
Claims (10)
1. The utility model provides a payment settlement method based on enterprise classification, which is characterized in that the method is applied to a settlement management terminal, the settlement management terminal is respectively connected with a supply end and a payment end in a network to realize the transmission of data information, and the method comprises the following steps:
classifying suppliers in a supply database according to preset classification rules, and determining classification results corresponding to the suppliers;
receiving a settlement request input by the supply end, and judging whether the settlement request meets a settlement condition corresponding to the settlement request;
if the settlement conditions are met, acquiring settlement parameters corresponding to the settlement request from a parameter configuration table according to the grading result;
calculating a settlement value in the settlement request according to the settlement parameters to obtain corresponding settlement payment information;
and synchronously sending the settlement payment information to a supply end and a payment end corresponding to the settlement request.
2. The business-grading-based payment settlement method according to claim 1, wherein grading suppliers in the provisioning database according to a preset grading rule, and determining grading results corresponding to each supplier, comprises:
scoring the supply data of each supplier in the supply database according to the supply scoring rule in the grading rule to obtain the corresponding supply scoring value of each supplier;
scoring the credit data of each provider in the provisioning database according to the credit scoring rule in the grading rule to obtain the credit scoring value corresponding to each provider;
and determining target levels matched with the supply grading values and the credit grading values of all suppliers from preset levels in the grading rules as corresponding grading results.
3. The business-grading-based payment settlement method according to claim 1, wherein before the determining whether the settlement request satisfies a settlement condition corresponding to the settlement request, further comprising:
acquiring an initial limiting condition corresponding to the settlement request;
acquiring preset limiting conditions of a payment terminal corresponding to the settlement request;
and combining the initial limiting conditions and the preset limiting conditions to obtain corresponding settlement conditions.
4. The business-hierarchy-based payment settlement method as claimed in claim 1, wherein the acquiring settlement parameters corresponding to the settlement request from a parameter configuration table according to the hierarchy result comprises:
obtaining a target grade corresponding to a supplier in the settlement request in the grading result;
acquiring a first settlement parameter corresponding to the target grade from the parameter configuration table;
acquiring a second settlement parameter corresponding to the settlement request from the parameter configuration table;
and combining the first settlement parameters with the second settlement parameters to obtain corresponding settlement parameters.
5. The method for payment settlement based on enterprise hierarchy as claimed in claim 1, wherein the calculating the settlement value in the settlement request according to the settlement parameter to obtain the corresponding settlement payment information comprises:
acquiring a settlement calculation formula of each settlement item corresponding to the settlement request;
respectively inputting the settlement parameters and the settlement values into settlement calculation formulas corresponding to the settlement items, and calculating to obtain settlement values corresponding to the settlement items;
and combining the settlement values corresponding to the settlement items respectively to obtain the settlement payment information.
6. A payment settlement apparatus based on enterprise hierarchy, wherein the apparatus is configured in a settlement management terminal, the settlement management terminal is respectively connected with a supply terminal and a payment terminal through a network to realize transmission of data information, and the apparatus is configured to execute the payment settlement method based on enterprise hierarchy as claimed in any one of claims 1 to 5, and the apparatus comprises:
the grading result acquisition unit is used for grading suppliers in the supply database according to preset grading rules and determining grading results corresponding to the suppliers;
a settlement request judging unit, configured to receive a settlement request input by the payment terminal, and judge whether the settlement request meets a settlement condition corresponding to the settlement request;
the settlement parameter acquisition unit is used for acquiring settlement parameters corresponding to the settlement request from the parameter configuration table according to the grading result if the settlement conditions are met;
the settlement payment information acquisition unit is used for calculating settlement values in the settlement request according to the settlement parameters to obtain corresponding settlement payment information;
and the settlement payment information sending unit is used for synchronously sending the settlement payment information to a supply end and a payment end corresponding to the settlement request.
7. The business-grading-based payment settlement device of claim 6, wherein the grading result acquisition unit includes:
a supply grading value obtaining unit, configured to grade supply data of each supplier in the supply database according to a supply grading rule in the grading rule, so as to obtain a supply grading value corresponding to each supplier;
the credit score value acquisition unit is used for scoring the credit data of each provider in the supply database according to the credit score rule in the grading rule to obtain the credit score value corresponding to each provider;
and the grading result determining unit is used for determining a target grade matched with the goods supply grading value and the credit grading value of each supplier from preset grades in the grading rule as a corresponding grading result.
8. The business-grading-based payment settlement device of claim 6, further comprising:
an initial limit condition acquisition unit configured to acquire an initial limit condition corresponding to the settlement request;
a supply limiting condition obtaining unit, configured to obtain a preset limiting condition of a payment end corresponding to the settlement request;
and the settlement condition acquisition unit is used for combining the initial limiting condition and the preset limiting condition to obtain a corresponding settlement condition.
9. A computer device, comprising a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other through the communication bus;
a memory for storing a computer program;
a processor for implementing the steps of the business-grading-based payment settlement method according to any one of claims 1 to 5 when executing a program stored on a memory.
10. A computer readable storage medium having stored thereon a computer program, which when executed by a processor implements the steps of the enterprise hierarchy based payment settlement method as claimed in any one of claims 1 to 5.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311301633.1A CN117236941A (en) | 2023-10-09 | 2023-10-09 | Enterprise grading-based payment settlement method, device, equipment and medium |
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| CN202311301633.1A CN117236941A (en) | 2023-10-09 | 2023-10-09 | Enterprise grading-based payment settlement method, device, equipment and medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117829966A (en) * | 2024-03-05 | 2024-04-05 | 深圳市企企通科技有限公司 | Intelligent quota management method, device, equipment and medium based on provider classification |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117829966A (en) * | 2024-03-05 | 2024-04-05 | 深圳市企企通科技有限公司 | Intelligent quota management method, device, equipment and medium based on provider classification |
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