CN117592979A

CN117592979A - Method, equipment and medium for order collection and settlement

Info

Publication number: CN117592979A
Application number: CN202410072868.6A
Authority: CN
Inventors: 左刚; 甘建新; 黄建波; 严冬
Original assignee: Expressway Payment Service Co ltd
Current assignee: Expressway Payment Service Co ltd
Priority date: 2024-01-18
Filing date: 2024-01-18
Publication date: 2024-02-23
Anticipated expiration: 2044-01-18
Also published as: CN117592979B

Abstract

The purpose of the application is to provide a method, equipment and medium for order settlement, wherein the method comprises the following steps: responding to a payment request initiated by a user aiming at a target order of a target merchant in first user equipment, generating first transaction order information and first payment order information corresponding to the target order, and returning call information corresponding to the first payment order information to the first user equipment; receiving payment result information about the first payment order information transmitted by the digital currency operating system; and when the settlement triggering condition is met, summarizing request files corresponding to one or more second transaction order information which is successfully paid and corresponds to the target settlement batch, and submitting the request files to the digital currency operation system for combined settlement. The method and the device can support various digital currency payment modes such as user skip digital currency application payment, digital currency two-dimension code scanning payment and the like by realizing an integral solution integrating user payment and merchant funds settlement about digital currency.

Description

Method, equipment and medium for order collection and settlement

Technical Field

The present application relates to the field of data processing, and in particular, to a technique for order settlement.

Background

The digital RMB is legal currency in digital form issued by China's RMB, and is participated in operation by a designated operation mechanism, and based on a generalized account system, the digital RMB supports a loose coupling function of a bank account (a function of meeting payment requirements through a digital currency wallet without a bank account), is equivalent to the real RMB, and has value characteristics and decompensation. Compared with platform payment, the digital RMB payment does not pass through a third party, the customer is equivalent to taking cash payment, the payment is settlement without checking account for the merchant, and the merchant and the third party payment platform are not authorized to acquire the payment data of the consumer except for the condition that governmental departments survey illegal transactions within the authority range for the consumer, so that the consumer information security is protected from leakage.

Disclosure of Invention

An object of the present application is to provide a method, apparatus and medium for order settlement.

According to one aspect of the present application, there is provided a method for settlement of receipts, the method comprising:

responding to a payment request initiated by a user aiming at a target order of a target merchant in first user equipment, generating first transaction order information and first payment order information corresponding to the target order, and returning call information corresponding to the first payment order information to the first user equipment;

Receiving payment result information about the first payment order information sent by a digital currency operation system, wherein a digital currency application in the first user equipment is pulled up by the call information, and the digital currency operation system transfers funds corresponding to the first payment order information from a digital currency account corresponding to the user to a common wallet account corresponding to the digital currency business system in response to a digital currency payment request initiated by the user through the digital currency application, wherein the digital currency application corresponds to the digital currency operation system;

and when the settlement triggering condition is met, summarizing request files corresponding to one or more second transaction order information which is successfully paid and corresponds to a target settlement batch, and submitting the request files to the digital currency operation system for combined settlement, wherein the digital currency operation system transfers corresponding funds from the common wallet account to a payment preparation system corresponding to the digital currency operation system after settlement is completed, and the payment preparation system registers the funds for at least one merchant account to be settled, which is related to the second transaction order information.

According to one aspect of the present application, there is provided a computer apparatus for settlement of receipts, the apparatus comprising:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

According to one aspect of the present application, there is provided a computer readable medium storing instructions that, when executed, cause a system to:

According to one aspect of the present application, there is provided a network device for settlement of receipts, the device comprising:

the one-to-one module is used for responding to a payment request initiated by a user aiming at a target order of a target merchant in first user equipment, generating first transaction order information and first payment order information corresponding to the target order, and returning call information corresponding to the first payment order information to the first user equipment;

a second module, configured to receive payment result information about the first payment order information sent by a digital currency operation system, where a digital currency application in the first user device is pulled up by the call information, and the digital currency operation system transfers funds corresponding to the first payment order information from a digital currency account corresponding to the user to a common wallet account corresponding to the digital currency business system in response to a digital currency payment request initiated by the user through the digital currency application, where the digital currency application corresponds to the digital currency operation system;

And the three modules are used for summarizing request files corresponding to one or more second transaction order information which is successfully paid and corresponds to a target settlement batch when the settlement triggering condition is met, and submitting the request files to the digital currency operation system for combined settlement, wherein the digital currency operation system transfers corresponding funds from the common wallet account to a payment system corresponding to the digital currency operation system after the settlement is completed, and the payment system registers the funds to the account to be settled of at least one merchant related to the second transaction order information.

Compared with the prior art, the method and the device for processing the transaction order information have the advantages that a payment request initiated by a user for a target order of a target merchant in first user equipment is responded, first transaction order information and first payment order information corresponding to the target order are generated, and calling information corresponding to the first payment order information is returned to the first user equipment; receiving payment result information about the first payment order information sent by a digital currency operation system, wherein a digital currency application in the first user equipment is pulled up by the call information, and the digital currency operation system transfers funds corresponding to the first payment order information from a digital currency account corresponding to the user to a common wallet account corresponding to the digital currency business system in response to a digital currency payment request initiated by the user through the digital currency application, wherein the digital currency application corresponds to the digital currency operation system; when a settlement triggering condition is met, collecting a request file corresponding to one or more second transaction order information which is successful in payment and corresponds to a target settlement batch, submitting the request file to a digital currency operation system for closing settlement, wherein the digital currency operation system transfers corresponding funds from a common wallet account to a reserve payment system corresponding to a digital currency business system after settlement is completed, and the reserve payment system registers the funds for a to-be-settled account of at least one merchant related to the second transaction order information, so that a plurality of digital currency payment modes such as user skip digital currency application payment, digital currency two-dimensional code scanning payment and the like can be supported by realizing an integral solution of the user payment and merchant funds settlement with respect to digital currency, the user can be supported to repeatedly pay for the same transaction order, only one successful payment is reserved, and other orders are automatically transferred to the reserve payment registration, the transfer between the to-be-settled account and an available account, and the consignment of the reserve payment system are also realized, and the whole settlement process of the funds to the merchant payment card of the bank can be supported.

Drawings

Other features, objects and advantages of the present application will become more apparent upon reading of the detailed description of non-limiting embodiments, made with reference to the following drawings, in which:

FIG. 1 illustrates a flow chart of a method for order settlement according to one embodiment of the present application;

FIG. 2 illustrates a network device architecture diagram for order settlement according to one embodiment of the present application;

FIG. 3 illustrates a flow chart of a method for order settlement according to one embodiment of the present application;

FIG. 4 illustrates a flow chart of a method for order settlement according to one embodiment of the present application;

FIG. 5 illustrates a flow chart of a method for order settlement according to one embodiment of the present application;

FIG. 6 illustrates an exemplary system that may be used to implement various embodiments described herein.

The same or similar reference numbers in the drawings refer to the same or similar parts.

Detailed Description

The present application is described in further detail below with reference to the accompanying drawings.

In one typical configuration of the present application, the terminal, the devices of the services network, and the trusted party each include one or more processors (e.g., central processing units (Central Processing Unit, CPU)), input/output interfaces, network interfaces, and memory.

The Memory may include non-volatile Memory in a computer readable medium, random access Memory (Random Access Memory, RAM) and/or non-volatile Memory, etc., such as Read Only Memory (ROM) or Flash Memory (Flash Memory). Memory is an example of computer-readable media.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase-Change Memory (PCM), programmable Random Access Memory (Programmable Random Access Memory, PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (Dynamic Random Access Memory, DRAM), other types of Random Access Memory (RAM), read-Only Memory (ROM), electrically erasable programmable read-Only Memory (EEPROM), flash Memory or other Memory technology, read-Only Memory (Compact Disc Read-Only Memory, CD-ROM), digital versatile disks (Digital Versatile Disc, DVD) or other optical storage, magnetic cassettes, magnetic tape storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by the computing device.

The device referred to in the present application includes, but is not limited to, a user device, a network device, or a device formed by integrating a user device and a network device through a network. The user equipment includes, but is not limited to, any mobile electronic product which can perform man-machine interaction with a user (for example, perform man-machine interaction through a touch pad), such as a smart phone, a tablet computer and the like, and the mobile electronic product can adopt any operating system, such as an Android operating system, an iOS operating system and the like. The network device includes an electronic device capable of automatically performing numerical calculation and information processing according to a preset or stored instruction, and the hardware includes, but is not limited to, a microprocessor, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), a programmable logic device (Programmable Logic Device, PLD), a field programmable gate array (Field Programmable Gate Array, FPGA), a digital signal processor (Digital Signal Processor, DSP), an embedded device, and the like. The network device includes, but is not limited to, a computer, a network host, a single network server, a plurality of network server sets, or a cloud of servers; here, the Cloud is composed of a large number of computers or network servers based on Cloud Computing (Cloud Computing), which is a kind of distributed Computing, a virtual supercomputer composed of a group of loosely coupled computer sets. Including but not limited to the internet, wide area networks, metropolitan area networks, local area networks, VPN networks, wireless Ad Hoc networks (Ad Hoc networks), and the like. Preferably, the device may be a program running on the user device, the network device, or a device formed by integrating the user device and the network device, the touch terminal, or the network device and the touch terminal through a network.

Of course, those skilled in the art will appreciate that the above-described devices are merely examples, and that other devices now known or hereafter may be present as appropriate for the application, are intended to be within the scope of the present application and are incorporated herein by reference.

In the description of the present application, the meaning of "a plurality" is two or more, unless explicitly defined otherwise.

Fig. 1 shows a flow chart of a method for order settlement according to one embodiment of the present application, the method comprising step S11, step S12 and step S13. In step S11, the network device generates first transaction order information and first payment order information corresponding to a target order of a target merchant in response to a payment request initiated by a user for the target order in a first user device, and returns call information corresponding to the first payment order information to the first user device; in step S12, the network device receives payment result information about the first payment order information sent by the digital currency operation system, wherein the digital currency application in the first user device is pulled up by the call information, and the digital currency operation system transfers funds corresponding to the first payment order information from a digital currency account corresponding to the user to a common wallet account corresponding to the digital currency business system in response to a digital currency payment request initiated by the user through the digital currency application, and the digital currency application corresponds to the digital currency operation system; in step S13, when the settlement triggering condition is met, the network device gathers one or more request files corresponding to second transaction order information of successful payment corresponding to the target settlement batch, and submits the request files to the digital currency operation system for combined settlement, wherein the digital currency operation system transfers corresponding funds from the common wallet account to a preparation payment system corresponding to the digital currency operation system after the settlement is completed, and the preparation payment system registers the funds to a to-be-settled account of at least one merchant related to the second transaction order information.

In step S11, the network device generates first transaction order information and first payment order information corresponding to a target order of a target merchant in response to a payment request initiated by a user for the target order in the first user device, and returns call information corresponding to the first payment order information to the first user device. In some embodiments, in response to a user selecting a payment method for a digital currency for a target order for a target merchant in a merchant front-end application (e.g., application, applet, web page, etc.) on a first user device that the user uses, the first user device generates and sends a corresponding digital currency payment request to a digital currency business system in an online payment platform located on a network device, wherein the digital currency includes, but is not limited to, any digital form of currency, such as digital rennet, including, but not limited to, a merchant number of the target merchant, an original order number of the target order, an amount, a time of submission, a payment method, an asynchronous notification address, a signature certificate number of the user, or a signature certificate number of the merchant front-end application, etc. In some embodiments, the digital currency business system responds to the digital currency payment request, generates transaction order information corresponding to the target order, generates corresponding payment order information according to the transaction order information, and returns the transaction order information and the payment order information to the first user equipment, wherein one order corresponds to only one transaction order, but one transaction order can correspond to one or more payment orders, for example, after the generation of the payment order, the user does not pay temporarily, and the subsequent user wants to pay for the transaction order, and generates a new payment order for the user to pay. In some embodiments, the digital currency business system returns call information corresponding to the payment order information to the first user device, where the call information may be a two-dimensional code link for collection generated by calling an interface provided by the digital currency operation system, and the first user device displays the call information as a corresponding two-dimensional code image, or the call information may also be an encryption parameter generated by calling an interface provided by the digital currency operation system (where the encryption parameter is obtained by encrypting at least one parameter of the payment order) and a digital currency application address, where the digital currency operation system is a system used by an operation mechanism corresponding to the digital currency application (e.g., a partner banking mechanism of the digital currency application).

In step S12, the network device receives payment result information about the first payment order information sent by the digital currency operation system, where the digital currency application in the first user device is pulled up by the call information, and the digital currency operation system transfers funds corresponding to the first payment order information from a digital currency account corresponding to the user to a common wallet account corresponding to the digital currency business system in response to a digital currency payment request initiated by the user through the digital currency application, where the digital currency application corresponds to the digital currency operation system. In some embodiments, as shown in fig. 4, after receiving a two-dimensional code link, a merchant front-end application (mall APP) in the first user device generates a corresponding two-dimensional code image and displays the two-dimensional code image to a user, the user can pull up a digital currency application (for example, a digital rmb APP) in the merchant front-end application to make a payment initiation digital currency payment request by scanning the two-dimensional code image, or after receiving an encryption parameter and a call address of the digital currency application, the first user device responds to a payment triggering operation (for example, clicking a payment button) performed by the user for the first payment order in the merchant front-end application, pulls up the digital currency application to make a payment initiation digital currency payment request by using a URL (uniform resource locator) Scheme (protocol) based on the call address, and transfers the encryption parameter to the digital currency application, so that the user initiates a digital currency payment request, wherein the digital currency payment request includes the encryption parameter, the digital currency application forwards the digital currency payment request to a digital currency operation system after receiving the digital currency payment request, the digital currency application verifies the request by the digital currency operation system, and sends the encryption parameter to a decryption account, and then sends the decryption parameter back to the digital currency application in the digital currency application to a digital currency system, and the digital currency application corresponding to a digital currency account, and the digital currency payment request is applied to the digital currency system. The digital currency operation system can asynchronously inform the digital currency business system of the payment result of the payment order after the user finishes payment, and then the digital currency application can carry the encrypted payment result and the signature counter-pulling merchant front-end application, and the merchant front-end application verifies and decrypts the signature counter-pulling merchant front-end application.

In step S13, when the settlement triggering condition is met, the network device gathers one or more request files corresponding to second transaction order information of successful payment corresponding to the target settlement batch, and submits the request files to the digital currency operation system for combined settlement, wherein the digital currency operation system transfers corresponding funds from the common wallet account to a preparation payment system corresponding to the digital currency operation system after the settlement is completed, and the preparation payment system registers the funds to a to-be-settled account of at least one merchant related to the second transaction order information. In some embodiments, the settlement triggering condition may be that the current time reaches a predetermined settlement time point (for example, 09:00, 10:00, 12:00, 14:00, 16:00), each settlement time point corresponds to a settlement batch, each settlement batch corresponds to one or more transaction orders that are successfully paid, and one or more transaction orders corresponding to the settlement batch corresponding to the settlement time point are summarized and settled at each settlement time point, or the settlement triggering condition may also be that the number of transaction orders that are not currently settled in the digital currency business system is greater than or equal to a predetermined number threshold, at this time, the current batch corresponds to all transaction orders that are not currently settled at this time, the current settlement batch corresponds to a predetermined settlement time (the current time or a predetermined time after the current time), if the settlement triggering condition is met, all transaction orders that are not currently settled at this time are summarized, or the amount corresponding to the transaction orders that are not currently settled at this time (the summary = at least one amount of successful transaction order-at least one amount of money of transaction order in the digital currency business system-at least one transaction order-that is successfully paid) is summarized (the current amount of transaction order is greater than or equal to the predetermined amount of the current transaction order, and the current transaction order is not currently triggered at this time is not currently corresponds to the predetermined amount of the current transaction order). In some embodiments, after receiving the payment result of a certain payment order that the digital currency operation system will be notified asynchronously after the user finishes paying, the digital currency operation system will synchronize the transaction order information corresponding to the payment order to the settlement system (the settlement system may be a functional module in the digital currency operation system or may be a separate system outside the digital currency operation system), the settlement system will map the transaction order information to a corresponding settlement batch (a settlement batch corresponding to a certain settlement time point or a current settlement batch), after reaching the settlement time point corresponding to the settlement batch, collect one or more request files corresponding to the transaction order information of successful payment corresponding to the settlement batch, submit the request files to the digital currency operation system for closing settlement, where the file header of the request files includes, but is not limited to, a total count (transaction order count), a total amount (transaction total amount, total amount of at least one successful payment order-at least one successful order amount of the transaction), a data number, a billing party, a reservation number, an issuing party, a reservation number, an order number, an external reservation number, an order number, a wallet, an external wallet number, etc. In some embodiments, after the settlement is completed, the digital currency operation system transfers the corresponding funds (i.e. the sum of the amounts corresponding to the one or more successfully paid transaction orders corresponding to the settlement batch, the sum of the amounts=the amount of the at least one successfully paid transaction order—the amount of the at least one successfully refund transaction order) from the corresponding common wallet account of the digital currency service system in the digital currency application to the corresponding payment system (the payment system may be a functional module within the digital currency service system or may be a separate system other than the digital currency service system) through a banking CFS (customer's payment and settlement assurance system) system, and after receiving the funds, the payment system registers a portion of the amount of the funds belonging to the merchant to the account to be settled of the merchant for each successfully paid transaction order corresponding to the settlement batch. As an example, as shown in fig. 3, a user obtains a two-dimensional code of a money (digital currency application) or a parameter of a drawing money APP (digital currency application) from a money service system (digital currency service system), the two-dimensional code or the parameter is obtained from the money service system (digital currency service system, for example, a middle line), the user scans payment or draws up the payment of the money APP, after the payment is successful, an actual fund enters a common wallet account corresponding to the money service system in the money APP, the money service system asynchronously notifies the payment result of the money service system, the money service system can also query the payment result to the money service system through an interface provided by the money service system at regular time, if the current payment order needs to be withdrawn, the money service system can call the interface provided by the money service system to automatically refund, and then the money service system can bill the account to be settled of a merchant and notify the merchant of the corresponding transaction result. The method and the system can support the user to skip the digital currency to apply the payment, scan the two-dimension code of the digital currency to pay and other multiple digital currency payment modes by integrating the user payment and the merchant fund settlement on the digital currency, can support the user to pay repeatedly for the same transaction order, only reserve one successful payment, and the other orders automatically cancel refund, and also realize a whole set of processes of transferring funds to prepare the payment registration, transferring the account to be settled and the available account in batches and entrusting the settlement of the funds paid by the digital currency to the bank card of the merchant according to batches.

In some embodiments, the digital currency payment request includes a signed certificate number; the generating the first transaction order information and the first payment order information corresponding to the target order includes: and carrying out signature verification according to the signature certificate number, and if the verification is passed, generating first transaction order information and first payment order information corresponding to the target order. In some embodiments, the digital currency payment request includes a signature certificate number (which may be a signature certificate of a front end application of a merchant or may also be a signature certificate of a user), and after receiving the payment request, the digital currency service system performs signature verification on the front end application of the merchant or the user according to the signature certificate number, and only if the verification passes, generates the first transaction order information and the first payment order information corresponding to the target order.

In some embodiments, the generating, in response to a payment request initiated by a user for a target order of a target merchant in a first user device, first transaction order information and first payment order information corresponding to the target order, and returning, to the first user device, call information corresponding to the first payment order information further includes: after the first payment order information is generated, calling a digital currency operation system to obtain calling information corresponding to the first payment order information, wherein the calling information comprises at least one of the following items: two-dimensional code link information; encryption parameter information. In some embodiments, the evoked information may be a two-dimensional code link for collection generated by invoking an interface provided by the digital money handling system, presented as a corresponding two-dimensional code image by the first user device, or may be an encryption parameter generated by invoking an interface provided by the digital money handling system (the encryption parameter being obtained by encrypting at least one parameter of the payment order) and a digital money application address. In some embodiments, after receiving the two-dimensional code link, the first user device generates a corresponding two-dimensional code image and displays the two-dimensional code image to the user, the user can pull up a digital currency application (for example, digital rmb APP) to make payment to initiate a digital currency payment request by scanning the two-dimensional code image, or after receiving an encryption parameter and a digital currency application address, the first user device responds to a payment triggering operation (for example, clicking a payment button) performed by the user for the first payment order in a merchant front-end application, and the merchant front-end application pulls up the digital currency application through URL Scheme based on the digital currency application address and transmits the encryption parameter to the digital currency application, so that the user can make payment in the digital currency application to initiate the digital currency payment request.

In some embodiments, the method further comprises: and if the payment result information about the first payment order information sent by the digital currency operation system is not received after the time-out, inquiring the digital currency operation system to acquire the payment result information at regular time. In some embodiments, if the digital currency service system does not receive the payment result information about the first payment order information sent by the digital currency service system within a predetermined time interval after the operation time corresponding to the payment triggering operation performed by the user about the first payment order starts, the digital currency service system may query the digital currency service system for the payment result information of the first payment order at a timing, where the operation time corresponding to the payment triggering operation may be a scanning operation performed by the user for the two-dimensional code image generated based on the two-dimensional code link, or may also be a payment triggering operation performed by the user for the first payment order in a merchant front-end application (for example, clicking a payment button).

In some embodiments, the method further comprises: and if the payment result information indicates that the first payment order information is successfully paid, posting the payment to the account to be settled of the target merchant. In some embodiments, if the received payment result information indicates that the user has successfully paid the first payment order, the user uses a duplex accounting method to account for the account to be settled of the target merchant in the front-end application of the merchant, that is, the account to be settled of the target merchant is added with the payment amount corresponding to the first payment order, and at this time, only accounting is performed, and no fund settlement is performed, that is, the actual funds corresponding to the payment amount have not been transferred to the account to be settled of the target merchant.

In some embodiments, the billing the account to be settled of the target merchant further comprises: if the payment result information indicates that the first payment order information is successfully paid, checking whether other payment order information which also corresponds to the first transaction order information and has been successfully paid exists or not except the first payment order information; and if the first payment order information exists, performing refund revocation processing on the first payment order information. In some embodiments, a transaction order may correspond to a plurality of payment orders in a multi-payment scenario, for example, after a payment order is generated, the user does not pay for a while, and a subsequent user wants to pay for the transaction order again, a new payment order is generated for the user to pay for the same transaction order, which may cause a situation that the user pays repeatedly for the same transaction order, at this time, if the received payment result information indicates that the user pays successfully for the first payment order, it may be checked whether there are other payment order information which also corresponds to the first payment order information and has been successfully paid, and if so, a refund process is performed for the first payment order information, specifically, a refund process is performed by calling an interface provided by the digital currency operation system to initiate a refund request for the first payment order information to the digital currency operation system.

In some embodiments, the method further comprises: the network equipment sends the payment result information to second user equipment corresponding to the target merchant according to the asynchronous notification address corresponding to the target order, and receives successful receipt indication information corresponding to the payment result information returned by the second user equipment, wherein the second user equipment performs signature verification on the payment result information, and if verification is passed, the successful receipt indication information is returned to the digital currency service system; and if the successful receiving indication information corresponding to the payment result information is not received after the time-out, the payment result information is sent to the second user equipment corresponding to the target merchant again. In some embodiments, the payment request includes an asynchronous notification address corresponding to the target order, the digital currency service system sends the payment result information to a second user device corresponding to the target merchant according to the asynchronous notification address, the target merchant performs signature verification on the payment result information, and if the verification is passed, the second user device returns corresponding success receipt indication information (for example, a lower case "success" character string) to the digital currency service system, so that the digital currency service system can determine whether the payment result information notifies success according to the success receipt indication information. In some embodiments, in a predetermined time interval from a time when the digital currency service system transmits the payment result information to the second user device corresponding to the target merchant, if the digital currency service system does not receive the indication information of successful receipt corresponding to the payment result information, a timeout is determined, at which time the digital currency service system may retransmit the payment result information to the second user device.

In some embodiments, if the successful receipt indication information corresponding to the payment result information is not received after the timeout, resending the payment result information to the second user equipment corresponding to the target merchant includes: if the successful receiving indication information corresponding to the payment result information is not received after the timeout, the payment result information is sent to the second user equipment corresponding to the target merchant again according to the last sending time of the payment result information and a preset time interval. In some embodiments, if the digital currency service system times out and does not receive the successful receipt indication information corresponding to the payment result information, the digital currency service system will then resend the payment result information to the second user equipment at a time point distant from the last sending time by a predetermined time interval according to the last sending time and the predetermined time interval of the payment result information, and reckoning from the current time to determine whether the successful receipt indication information corresponding to the payment result information is not received after the timeout, and so on until the successful receipt indication information corresponding to the payment result information is received.

In some embodiments, if the successful receipt indication information corresponding to the payment result information is not received after the timeout, the sending the payment result information to the second user equipment corresponding to the target merchant again according to the last sending time of the payment result information and a predetermined time interval includes: if the successful receiving indication information corresponding to the payment result information is not received after the timeout, and the current accumulated repeated sending times corresponding to the payment result information does not reach the preset times threshold, the payment result information is sent to the second user equipment corresponding to the target merchant again according to the last sending time and the preset time interval of the payment result information. In some embodiments, if the digital currency service system times out and does not receive the successful receipt indication information corresponding to the payment result information, and the current accumulated repeated sending number of times does not reach the predetermined number of times threshold, at this time, the digital currency service system will resend the payment result information to the second user equipment at a time point separated from the last sending time by a predetermined time interval according to the last sending time and the predetermined time interval of the payment result information, and add 1 to the current accumulated repeated sending number of times, and reckon from the current time to determine whether the successful receipt indication information corresponding to the payment result information is not received after the timeout, and so on until the successful receipt indication information corresponding to the payment result information is received or until the current accumulated repeated sending number of times reaches the predetermined number of times threshold.

In some embodiments, the method further comprises: and the network equipment adjusts the preset time interval according to the current accumulated repeated sending times. In some embodiments, each time the current number of accumulative repeated transmissions is updated, the predetermined time interval is further adjusted according to the updated current number of accumulative repeated transmissions, for example, the more the predetermined time interval is proportional to the current number of accumulative repeated transmissions, the larger the corresponding predetermined time interval is, for example, the predetermined number of accumulative repeated transmissions corresponding to the current number of accumulative repeated transmissions is 7, the predetermined time interval corresponding to the current number of accumulative repeated transmissions 1-7 is [2, 10, 10, 60, 120, 360, 900], wherein the units are minutes.

In some embodiments, the method further comprises: and if the payment result information indicates that the payment of the first payment order information is successful, mapping the first transaction order information to a corresponding settlement batch. In some embodiments, if the payment result information indicates that the user is successful in paying the first payment order, the first transaction order information needs to be mapped to a corresponding settlement batch, for example, the first transaction order information is mapped directly to a current settlement batch, each settlement batch corresponds to a different transaction time interval or payment time interval, the first transaction order information may be mapped to a corresponding settlement batch according to an interval in which the transaction time or payment time of the first transaction order falls, and for example, each settlement batch corresponds to a different payment amount interval, and the first transaction order information may be mapped to a corresponding settlement batch according to an interval in which the payment amount of the first transaction order falls.

In some embodiments, the funding system registers the funds with a to-be-settled account of at least one merchant involved in the second transaction order information, comprising: after receiving the fund account-out notification sent by the digital currency operation system, the payment preparation system carries out account-out recognition on the fund according to the payer identification information in the fund account-out notification, and registers the fund to the account to be settled of at least one merchant related to the second transaction order information according to the recognition result. In some embodiments, after the corresponding funds are transferred to the payment preparation system by the banking CFS system, the digital currency operation system sends a corresponding funds payment notification to the payment preparation system, and after the payment preparation system receives the funds payment notification, the payment preparation system performs payment recognition on the funds transferred by the digital currency operation system according to the payer identification information (such as the name of the payer, the bank account number of the payer, etc.) in the funds payment notification, determines a target settlement batch corresponding to the funds according to the recognition result, and then obtains a to-be-settled account of each merchant and a part of the amount belonging to the merchant in the to-be-settled account of each merchant, which is related to one or more successfully-paid transaction order information corresponding to the target settlement batch, and registers the part of the amount to the to-be-settled account of the merchant. In some embodiments, for a merchant involved in each of one or more transaction order information of successful payment corresponding to a target settlement batch, the preparation payment system registers a part of the money belonging to the merchant in an account to be settled of the merchant, and sends a corresponding transaction result to a second user device corresponding to the merchant according to an asynchronous notification address of the transaction order information. As an example, as shown in fig. 5, the money counting service system (digital money service system) collects the successful transaction order details, submits the transaction order details to the money counting service system (digital money service system, for example, a middle office) for closing settlement, the money counting service system transfers the corresponding funds to the prepared payment system through the banking CFS system, the prepared payment system recognizes the funds and registers the funds to the account to be settled of the merchant, and notifies the corresponding transaction result to the money counting service system, then the money counting service system transfers the funds from the account to be settled of the merchant to the available account of the merchant, the merchant can actively initiate the settlement, or if the merchant selects the settlement, the money counting service system automatically initiates the settlement, the prepared payment system pays the corresponding settlement amount to the bank account of the merchant through the banking/networking, and then the money counting service system processes the available account of the merchant, wherein in the case that the merchant actively initiates the settlement, the money counting service system notifies the corresponding payment result (settlement result) to the merchant.

In some embodiments, the method further comprises: and the network equipment obtains the total amount of each merchant in the target settlement batch, and transfers the total amount to the available account of the merchant from the account to be settled of the merchant. In some embodiments, the transaction order information of the one or more successful payments corresponding to the target settlement batch is grouped according to merchants, a total amount of each merchant involved in the target settlement batch within the target settlement batch (total amount = amount of at least one successful payment transaction order of the merchant within the target settlement batch-amount of at least one successful refund transaction order of the merchant within the target settlement batch) may be obtained, and the total amount is transferred from the account to be settled of the merchant to the available account of the merchant.

In some embodiments, the method further comprises: and the network equipment responds to the presenting triggering event corresponding to the target merchant and presents funds on the available account of the target merchant to the bank account of the target merchant. In some embodiments, the merchant may select the delegated implementation (the system automatically initiates the rendering process, and no user operation is required), at which time the rendering trigger event corresponding to the target merchant is automatically triggered by the digital money service system when a predetermined condition is met, for example, if funds on the available account of the target merchant are greater than or equal to a predetermined amount threshold, the rendering trigger event may be automatically triggered, for example, at each preconfigured rendering time point, where the rendering time point may be configured by the digital money service system by default, or may also be configured by the target merchant in the merchant front-end application. In some embodiments, the merchant may also actively initiate the presentity, at which time the presentity trigger event is triggered by a presentity trigger operation (e.g., clicking on a presentity button) performed by the target merchant in the merchant front-end application. In some embodiments, if the present trigger event is automatically triggered, the corresponding present amount is the full amount on the available account of the target merchant, and if the present trigger event is automatically triggered, the corresponding present amount may be the full amount on the available account of the target merchant, or may be entered or selected by the target merchant in the present trigger operation. In some embodiments, in response to the withdrawal triggering event, the digital currency service system invokes the payment preparation system to pay the money, and after the payment is successful, the payment preparation system notifies the digital currency service system, and then the digital currency service system deducts the money of the available account of the target merchant according to the compound billing rule and sends the corresponding withdrawal result information to the second user device corresponding to the target merchant in an asynchronous notification manner, where the sending rule and the retry rule of the withdrawal result information are the same as or similar to the sending rule and the retry rule of the payment result information described above, and are not repeated herein.

In some embodiments, the present triggering event is initiated automatically by the digital money business system upon completion of settlement of a settlement batch involving the target merchant. In some embodiments, the digital currency business system automatically triggers the presentation triggering event corresponding to each merchant involved in a settlement batch after the settlement of the batch is completed. In some embodiments, after settlement of a settlement batch is completed, the digital currency business system automatically triggers, for each merchant involved in the settlement batch, a cash-out trigger event corresponding to the merchant if funds on the merchant's available account are greater than or equal to a predetermined monetary threshold.

In some embodiments, the lift-off trigger event is actively initiated by the target merchant on a second user device. In some embodiments, the presentity trigger event may also be triggered by a presentity trigger operation (e.g., clicking a presentity button) performed by the target merchant in the merchant front-end application on the second user device.

In some embodiments, the presenting funds on the available account of the target merchant to the bank account of the target merchant comprises: and checking the cash-out order number, the cash-out dynamic token and the payment verification code submitted by the target merchant on the second user equipment, and after the check is passed, cash-out funds on the available account of the target merchant to the bank account of the target merchant. In some embodiments, the target merchant performs a rendering triggering operation in a merchant front-end application on the second user device, initiates a rendering application, submits at least one of a corresponding merchant order number, merchant number, service product code, rendering amount, currency, and rendering purpose to the digital currency service system, the digital currency service system returns a rendering order number (one rendering order represents a rendering action), a rendering dynamic token (a single number of a system automatically issuing a payment verification code) to the second user device, the corresponding payment verification code is sent to the second user device in a short message manner, then the target merchant performs rendering confirmation on the second user device, submits the rendering order number, the rendering dynamic token, and the payment verification code to the digital currency service system for verification, and after the verification is successful, the rendering process is advanced, and funds on an available account of the target merchant are rendered to a bank account of the target merchant.

Fig. 2 shows a construction diagram of a network device for settlement of receipts according to one embodiment of the present application, the device including a one-to-one module 11, a two-to-two module 12, and a three-to-three module 13. The one-to-one module 11 is configured to generate first transaction order information and first payment order information corresponding to a target order of a target merchant in response to a payment request initiated by a user for the target order in first user equipment, and return call information corresponding to the first payment order information to the first user equipment; a two-module 12, configured to receive payment result information about the first payment order information sent by a digital currency operation system, where the digital currency application in the first user device is pulled up by the evoked information, and the digital currency operation system transfers funds corresponding to the first payment order information from a digital currency account corresponding to the user to a common wallet account corresponding to the digital currency business system in response to a digital currency payment request initiated by the user through the digital currency application, where the digital currency application corresponds to the digital currency operation system; and a three-module 13, configured to aggregate, when a settlement triggering condition is met, request files corresponding to one or more second transaction order information that is successful in payment and corresponds to a target settlement batch, and submit the request files to the digital currency operation system for combined settlement, where the digital currency operation system transfers, after settlement is completed, corresponding funds from the common wallet account to a payment system corresponding to the digital currency operation system, and the payment system registers the funds for a to-be-settled account of at least one merchant involved in the second transaction order information.

And the one-to-one module 11 is used for responding to a payment request initiated by a user aiming at a target order of a target merchant in first user equipment, generating first transaction order information and first payment order information corresponding to the target order, and returning call information corresponding to the first payment order information to the first user equipment. In some embodiments, in response to a user selecting a payment method for digital currency for a target order for a target merchant in a merchant front-end application (e.g., application, applet, web page, etc.) on a first user device that the user uses, the first user device generates and sends a corresponding digital currency payment request to a digital currency business system in an online payment platform located on a network device, wherein the digital currency includes, but is not limited to, any digital form of currency, such as digital rennet, and the digital currency payment request includes, but is not limited to, a merchant number for the target merchant, an original order number for the target order, an amount, a time of submission, a payment method, an asynchronous notification address, a signature certificate number of the user, or a signature certificate number of the merchant front-end application, etc. In some embodiments, the digital currency business system responds to the digital currency payment request, generates transaction order information corresponding to the target order, generates corresponding payment order information according to the transaction order information, and returns the transaction order information and the payment order information to the first user equipment, wherein one order corresponds to only one transaction order, but one transaction order can correspond to one or more payment orders, for example, after the generation of the payment order, the user does not pay temporarily, and the subsequent user wants to pay for the transaction order, and generates a new payment order for the user to pay. In some embodiments, the digital currency business system returns call information corresponding to the payment order information to the first user device, where the call information may be a two-dimensional code link for collection generated by calling an interface provided by the digital currency operation system, and the first user device displays the call information as a corresponding two-dimensional code image, or the call information may also be an encryption parameter generated by calling an interface provided by the digital currency operation system (where the encryption parameter is obtained by encrypting at least one parameter of the payment order) and a digital currency application address, where the digital currency operation system is a system used by an operation mechanism corresponding to the digital currency application (e.g., a partner banking mechanism of the digital currency application).

And a second module 12, configured to receive payment result information about the first payment order information sent by a digital currency operation system, where the digital currency application in the first user device is pulled up by the call information, and the digital currency operation system transfers funds corresponding to the first payment order information from a digital currency account corresponding to the user to a common wallet account corresponding to the digital currency business system in response to a digital currency payment request initiated by the user through the digital currency application, where the digital currency application corresponds to the digital currency operation system. In some embodiments, as shown in fig. 4, after receiving the two-dimensional code link, the merchant front-end application (mall APP) in the first user device generates a corresponding two-dimensional code image and displays the two-dimensional code image to the user, the user may pull up the digital currency application (for example, the digital rennet APP) to make a payment initiation digital currency payment request by scanning the two-dimensional code image in the merchant front-end application, or after receiving the encryption parameter and the evoked address of the digital currency application, the first user device responds to a payment triggering operation (for example, clicking a payment button) performed by the user for the first payment order in the merchant front-end application, pulls up the digital currency application through URL Scheme based on the evoked address to make a payment initiation digital currency payment request, and transfers the encryption parameter to the digital currency application, so that the user initiates a digital currency payment request, the digital currency payment request includes the encryption parameter, the digital currency application may be forwarded to a digital currency operation system after receiving the digital currency payment request, the digital currency operation system signs and decrypts the encryption parameter, and sends the decrypted parameter to the corresponding digital currency application to the digital currency application, and then sends the digital currency application back to the digital currency application in a digital currency system corresponding to the digital currency account, and the digital currency application is signed to the digital currency application, and the digital currency application is returned to the digital currency system is carried out in the digital currency application, the digital currency operation system can asynchronously inform the digital currency business system of the payment result of the payment order after the user finishes payment, and then the digital currency application can carry the encrypted payment result and the signature counter-pulling merchant front-end application, and the merchant front-end application verifies and decrypts the signature counter-pulling merchant front-end application.

And a three-module 13, configured to aggregate, when a settlement triggering condition is met, request files corresponding to one or more second transaction order information that is successful in payment and corresponds to a target settlement batch, and submit the request files to the digital currency operation system for combined settlement, where the digital currency operation system transfers, after settlement is completed, corresponding funds from the common wallet account to a payment system corresponding to the digital currency operation system, and the payment system registers the funds for a to-be-settled account of at least one merchant involved in the second transaction order information. In some embodiments, the settlement triggering condition may be that the current time reaches a predetermined settlement time point (for example, 09:00, 10:00, 12:00, 14:00, 16:00), each settlement time point corresponds to a settlement batch, each settlement batch corresponds to one or more transaction orders that are successfully paid, and one or more transaction orders corresponding to the settlement batch corresponding to the settlement time point are summarized and settled at each settlement time point, or the settlement triggering condition may also be that the number of transaction orders that are not currently settled in the digital currency business system is greater than or equal to a predetermined number threshold, at this time, the current batch corresponds to all transaction orders that are not currently settled at this time, the current settlement batch corresponds to a predetermined settlement time (the current time or a predetermined time after the current time), if the settlement triggering condition is met, all transaction orders that are not currently settled at this time are summarized, or the amount corresponding to the transaction orders that are not currently settled at this time (the summary = at least one amount of successful transaction order-at least one amount of money of transaction order in the digital currency business system-at least one transaction order-that is successfully paid) is summarized (the current amount of transaction order is greater than or equal to the predetermined amount of the current transaction order, and the current transaction order is not currently triggered at this time is not currently corresponds to the predetermined amount of the current transaction order). In some embodiments, after receiving the payment result of a certain payment order that the digital currency operation system will be notified asynchronously after the user finishes paying, the digital currency operation system will synchronize the transaction order information corresponding to the payment order to the settlement system (the settlement system may be a functional module in the digital currency operation system or may be a separate system outside the digital currency operation system), the settlement system will map the transaction order information to a corresponding settlement batch (a settlement batch corresponding to a certain settlement time point or a current settlement batch), after reaching the settlement time point corresponding to the settlement batch, collect one or more request files corresponding to the transaction order information of successful payment corresponding to the settlement batch, submit the request files to the digital currency operation system for closing settlement, where the file header of the request files includes, but is not limited to, a total count (transaction order count), a total amount (transaction total amount, total amount of at least one successful payment order-at least one successful order amount of the transaction), a data number, a billing party, a reservation number, an issuing party, a reservation number, an order number, an external reservation number, an order number, a wallet, an external wallet number, etc. In some embodiments, after the settlement is completed, the digital currency operating system transfers the corresponding funds (i.e., the aggregate amount corresponding to the one or more successfully paid transaction orders for the settlement batch, the aggregate amount = the amount of the at least one successfully paid transaction order-the amount of the at least one successfully refunded transaction order) from the corresponding escrow wallet account in the digital currency application by the digital currency business system to the corresponding fund system (the fund system may be a functional module within the digital currency business system or may be a separate system other than the digital currency business system) by the banking CFS system, and after the funds are received, the fund system registers a portion of the funds belonging to the merchant in the funds to the merchant account to be settled for each merchant involved in the successfully paid transaction order for the settlement batch. As an example, as shown in fig. 3, a user obtains a two-dimensional code of a money (digital currency application) or a parameter of a drawing money APP (digital currency application) from a money counting service system (digital currency service system), the two-dimensional code or the parameter is obtained from a middle bank (digital currency operation system) by the money counting service system, the user scans payment or draws money APP to pay, after successful payment, an actual fund enters a corresponding common wallet account of the money counting service system in the money APP, the middle bank asynchronously informs the money counting service system of a payment result, the money counting service system can also query the middle bank through an interface provided by the middle bank at regular time, if the current payment order needs to be subjected to withdrawal refund processing, the money counting service system can call the interface provided by the middle bank to automatically refund, then the money counting service system can bill the account to be settled, and notify the merchant of the corresponding transaction result. The method and the system can support the user to skip the digital currency to apply the payment, scan the two-dimension code of the digital currency to pay and other multiple digital currency payment modes by integrating the user payment and the merchant fund settlement on the digital currency, can support the user to pay repeatedly for the same transaction order, only reserve one successful payment, and the other orders automatically cancel refund, and also realize a whole set of processes of transferring funds to prepare the payment registration, transferring the account to be settled and the available account in batches and entrusting the settlement of the funds paid by the digital currency to the bank card of the merchant according to batches.

In some embodiments, the digital currency payment request includes a signed certificate number; the generating the first transaction order information and the first payment order information corresponding to the target order includes: and carrying out signature verification according to the signature certificate number, and if the verification is passed, generating first transaction order information and first payment order information corresponding to the target order. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the generating, in response to a payment request initiated by a user for a target order of a target merchant in a first user device, first transaction order information and first payment order information corresponding to the target order, and returning, to the first user device, call information corresponding to the first payment order information further includes: after the first payment order information is generated, calling a digital currency operation system to obtain calling information corresponding to the first payment order information, wherein the calling information comprises at least one of the following items: two-dimensional code link information; encryption parameter information. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the apparatus is further to: and if the payment result information about the first payment order information sent by the digital currency operation system is not received after the time-out, inquiring the digital currency operation system to acquire the payment result information at regular time. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the apparatus is further to: and if the payment result information indicates that the first payment order information is successfully paid, posting the payment to the account to be settled of the target merchant. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the billing the account to be settled of the target merchant further comprises: if the payment result information indicates that the first payment order information is successfully paid, checking whether other payment order information which also corresponds to the first transaction order information and has been successfully paid exists or not except the first payment order information; and if the first payment order information exists, performing refund revocation processing on the first payment order information. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the apparatus is further to: according to the asynchronous notification address corresponding to the target order, the payment result information is sent to second user equipment corresponding to the target merchant, successful receipt indication information corresponding to the payment result information returned by the second user equipment is received, wherein the second user equipment performs signature verification on the payment result information, and if verification is passed, the successful receipt indication information is returned to the digital currency service system; and if the successful receiving indication information corresponding to the payment result information is not received after the time-out, the payment result information is sent to the second user equipment corresponding to the target merchant again. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, if the successful receipt indication information corresponding to the payment result information is not received after the timeout, resending the payment result information to the second user equipment corresponding to the target merchant includes: if the successful receiving indication information corresponding to the payment result information is not received after the timeout, the payment result information is sent to the second user equipment corresponding to the target merchant again according to the last sending time of the payment result information and a preset time interval. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, if the successful receipt indication information corresponding to the payment result information is not received after the timeout, the sending the payment result information to the second user equipment corresponding to the target merchant again according to the last sending time of the payment result information and a predetermined time interval includes: if the successful receiving indication information corresponding to the payment result information is not received after the timeout, and the current accumulated repeated sending times corresponding to the payment result information does not reach the preset times threshold, the payment result information is sent to the second user equipment corresponding to the target merchant again according to the last sending time and the preset time interval of the payment result information. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the apparatus is further to: and adjusting the preset time interval according to the current accumulated repeated sending times. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the apparatus is further to: and if the payment result information indicates that the payment of the first payment order information is successful, mapping the first transaction order information to a corresponding settlement batch. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the funding system registers the funds with a to-be-settled account of at least one merchant involved in the second transaction order information, comprising: after receiving the fund account-out notification sent by the digital currency operation system, the payment preparation system carries out account-out recognition on the fund according to the payer identification information in the fund account-out notification, and registers the fund to the account to be settled of at least one merchant related to the second transaction order information according to the recognition result. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the apparatus is further to: and for each merchant related to the target settlement batch, acquiring the total amount of the merchant in the target settlement batch, and transferring the total amount from the account to be settled of the merchant to the available account of the merchant. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the apparatus is further to: and responding to the presenting triggering event corresponding to the target merchant, and presenting funds on the available account of the target merchant to the bank account of the target merchant. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the present triggering event is initiated automatically by the digital money business system upon completion of settlement of a settlement batch involving the target merchant. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the lift-off trigger event is actively initiated by the target merchant on a second user device. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In some embodiments, the presenting funds on the available account of the target merchant to the bank account of the target merchant comprises: and checking the cash-out order number, the cash-out dynamic token and the payment verification code submitted by the target merchant on the second user equipment, and after the check is passed, cash-out funds on the available account of the target merchant to the bank account of the target merchant. The related operations are the same as or similar to those of the embodiment shown in fig. 1, and thus are not described in detail herein, and are incorporated by reference.

In addition to the methods and apparatus described in the above embodiments, the present application also provides a computer-readable storage medium storing computer code which, when executed, performs a method as described in any one of the preceding claims.

The present application also provides a computer program product which, when executed by a computer device, performs a method as claimed in any preceding claim.

The present application also provides a computer device comprising:

one or more processors;

a memory for storing one or more computer programs;

the one or more computer programs, when executed by the one or more processors, cause the one or more processors to implement the method of any preceding claim.

FIG. 6 illustrates an exemplary system that may be used to implement various embodiments described herein;

in some embodiments, as shown in fig. 6, the system 300 can function as any of the devices of the various described embodiments. In some embodiments, system 300 can include one or more computer-readable media (e.g., system memory or NVM/storage 320) having instructions and one or more processors (e.g., processor(s) 305) coupled with the one or more computer-readable media and configured to execute the instructions to implement the modules to perform the actions described herein.

For one embodiment, the system control module 310 may include any suitable interface controller to provide any suitable interface to at least one of the processor(s) 305 and/or any suitable device or component in communication with the system control module 310.

The system control module 310 may include a memory controller module 330 to provide an interface to the system memory 315. Memory controller module 330 may be a hardware module, a software module, and/or a firmware module.

The system memory 315 may be used, for example, to load and store data and/or instructions for the system 300. For one embodiment, system memory 315 may include any suitable volatile memory, such as, for example, a suitable DRAM. In some embodiments, the system memory 315 may comprise a double data rate type four synchronous dynamic random access memory (DDR 4 SDRAM).

For one embodiment, system control module 310 may include one or more input/output (I/O) controllers to provide an interface to NVM/storage 320 and communication interface(s) 325.

For example, NVM/storage 320 may be used to store data and/or instructions. NVM/storage 320 may include any suitable nonvolatile memory (e.g., flash memory) and/or may include any suitable nonvolatile storage device(s) (e.g., one or more Hard Disk Drives (HDDs), one or more Compact Disc (CD) drives, and/or one or more Digital Versatile Disc (DVD) drives).

NVM/storage 320 may include storage resources that are physically part of the device on which system 300 is installed or which may be accessed by the device without being part of the device. For example, NVM/storage 320 may be accessed over a network via communication interface(s) 325.

Communication interface(s) 325 may provide an interface for system 300 to communicate over one or more networks and/or with any other suitable device. The system 300 may wirelessly communicate with one or more components of a wireless network in accordance with any of one or more wireless network standards and/or protocols.

For one embodiment, at least one of the processor(s) 305 may be packaged together with logic of one or more controllers (e.g., memory controller module 330) of the system control module 310. For one embodiment, at least one of the processor(s) 305 may be packaged together with logic of one or more controllers of the system control module 310 to form a System In Package (SiP). For one embodiment, at least one of the processor(s) 305 may be integrated on the same die as logic of one or more controllers of the system control module 310. For one embodiment, at least one of the processor(s) 305 may be integrated on the same die with logic of one or more controllers of the system control module 310 to form a system on chip (SoC).

In various embodiments, the system 300 may be, but is not limited to being: a server, workstation, desktop computing device, or mobile computing device (e.g., laptop computing device, handheld computing device, tablet, netbook, etc.). In various embodiments, system 300 may have more or fewer components and/or different architectures. For example, in some embodiments, system 300 includes one or more cameras, keyboards, liquid Crystal Display (LCD) screens (including touch screen displays), non-volatile memory ports, multiple antennas, graphics chips, application Specific Integrated Circuits (ASICs), and speakers.

The present application also provides a computer device comprising:

one or more processors;

A memory for storing one or more computer programs;

It should be noted that the present application may be implemented in software and/or a combination of software and hardware, for example, using Application Specific Integrated Circuits (ASIC), a general purpose computer or any other similar hardware device. In one embodiment, the software programs of the present application may be executed by a processor to implement the steps or functions as described above. Likewise, the software programs of the present application (including associated data structures) may be stored on a computer readable recording medium, such as RAM memory, magnetic or optical drive or diskette and the like. In addition, some steps or functions of the present application may be implemented in hardware, for example, as circuitry that cooperates with the processor to perform various steps or functions.

Furthermore, portions of the present application may be implemented as a computer program product, such as computer program instructions, which when executed by a computer, may invoke or provide methods and/or techniques in accordance with the present application by way of operation of the computer. Those skilled in the art will appreciate that the form of computer program instructions present in a computer readable medium includes, but is not limited to, source files, executable files, installation package files, etc., and accordingly, the manner in which the computer program instructions are executed by a computer includes, but is not limited to: the computer directly executes the instruction, or the computer compiles the instruction and then executes the corresponding compiled program, or the computer reads and executes the instruction, or the computer reads and installs the instruction and then executes the corresponding installed program. Herein, a computer-readable medium may be any available computer-readable storage medium or communication medium that can be accessed by a computer.

Communication media includes media whereby a communication signal containing, for example, computer readable instructions, data structures, program modules, or other data, is transferred from one system to another. Communication media may include conductive transmission media such as electrical cables and wires (e.g., optical fibers, coaxial, etc.) and wireless (non-conductive transmission) media capable of transmitting energy waves, such as acoustic, electromagnetic, RF, microwave, and infrared. Computer readable instructions, data structures, program modules, or other data may be embodied as a modulated data signal, for example, in a wireless medium, such as a carrier wave or similar mechanism, such as that embodied as part of spread spectrum technology. The term "modulated data signal" means a signal that has one or more of its characteristics set or changed in such a manner as to encode information in the signal. The modulation may be analog, digital or hybrid modulation techniques.

By way of example, and not limitation, computer-readable storage media may include volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules or other data. For example, computer-readable storage media include, but are not limited to, volatile memory, such as random access memory (RAM, DRAM, SRAM); and nonvolatile memory such as flash memory, various read only memory (ROM, PROM, EPROM, EEPROM), magnetic and ferromagnetic/ferroelectric memory (MRAM, feRAM); and magnetic and optical storage devices (hard disk, tape, CD, DVD); or other now known media or later developed computer-readable information/data that can be stored for use by a computer system.

An embodiment according to the present application comprises an apparatus comprising a memory for storing computer program instructions and a processor for executing the program instructions, wherein the computer program instructions, when executed by the processor, trigger the apparatus to operate a method and/or a solution according to the embodiments of the present application as described above.

It will be evident to those skilled in the art that the present application is not limited to the details of the foregoing illustrative embodiments, and that the present application may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. The present embodiments are, therefore, to be considered in all respects as illustrative and not restrictive, the scope of the application being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned. Furthermore, it is evident that the word "comprising" does not exclude other elements or steps, and that the singular does not exclude a plurality. A plurality of units or means recited in the apparatus claims can also be implemented by means of one unit or means in software or hardware. The terms first, second, etc. are used to denote a name, but not any particular order.

Claims

1. A method for order settlement, applied to a digital money business system, wherein the method comprises:

2. The method of claim 1, wherein the digital currency payment request includes a signed certificate number;

the generating the first transaction order information and the first payment order information corresponding to the target order includes:

and carrying out signature verification according to the signature certificate number, and if the verification is passed, generating first transaction order information and first payment order information corresponding to the target order.

3. The method of claim 1, wherein the generating, in response to a payment request initiated by a user for a target order of a target merchant in a first user device, first transaction order information and first payment order information corresponding to the target order, and returning, to the first user device, evoked information corresponding to the first payment order information, further comprises:

after the first payment order information is generated, calling a digital currency operation system to obtain calling information corresponding to the first payment order information, wherein the calling information comprises at least one of the following items:

two-dimensional code link information;

encryption parameter information.

4. The method of claim 1, wherein the method further comprises:

and if the payment result information about the first payment order information sent by the digital currency operation system is not received after the time-out, inquiring the digital currency operation system to acquire the payment result information at regular time.

5. The method of claim 1, wherein the method further comprises:

and if the payment result information indicates that the first payment order information is successfully paid, posting the payment to the account to be settled of the target merchant.

6. The method of claim 1, wherein the method further comprises:

if the payment result information indicates that the first payment order information is successfully paid, checking whether other payment order information which also corresponds to the first transaction order information and has been successfully paid exists or not except the first payment order information;

and if the first payment order information exists, performing refund revocation processing on the first payment order information.

7. The method of claim 1, wherein the method further comprises:

according to the asynchronous notification address corresponding to the target order, the payment result information is sent to second user equipment corresponding to the target merchant, successful receipt indication information corresponding to the payment result information returned by the second user equipment is received, wherein the second user equipment performs signature verification on the payment result information, and if verification is passed, the successful receipt indication information is returned to the digital currency service system;

And if the successful receiving indication information corresponding to the payment result information is not received after the time-out, the payment result information is sent to the second user equipment corresponding to the target merchant again.

8. The method of claim 7, wherein the retransmitting the payment result information to the second user device corresponding to the target merchant if the successful receipt indication information corresponding to the payment result information is not received over time, comprises:

if the successful receiving indication information corresponding to the payment result information is not received after the timeout, the payment result information is sent to the second user equipment corresponding to the target merchant again according to the last sending time of the payment result information and a preset time interval.

9. The method of claim 8, wherein if the successful receipt indication information corresponding to the payment result information is not received after the timeout, re-sending the payment result information to the second user equipment corresponding to the target merchant according to the last sending time of the payment result information and a predetermined time interval, including:

if the successful receiving indication information corresponding to the payment result information is not received after the timeout, and the current accumulated repeated sending times corresponding to the payment result information does not reach the preset times threshold, the payment result information is sent to the second user equipment corresponding to the target merchant again according to the last sending time and the preset time interval of the payment result information.

10. The method of claim 9, wherein the method further comprises:

and adjusting the preset time interval according to the current accumulated repeated sending times.

11. The method of claim 1, wherein the method further comprises:

and if the payment result information indicates that the payment of the first payment order information is successful, mapping the first transaction order information to a corresponding settlement batch.

12. The method of claim 1, wherein the funding system registers the funds with a to-be-settled account of at least one merchant involved in the second transaction order information, comprising:

after receiving the fund account-out notification sent by the digital currency operation system, the payment preparation system carries out account-out recognition on the fund according to the payer identification information in the fund account-out notification, and registers the fund to the account to be settled of at least one merchant related to the second transaction order information according to the recognition result.

13. The method of claim 1, wherein the method further comprises:

and for each merchant related to the target settlement batch, acquiring the total amount of the merchant in the target settlement batch, and transferring the total amount from the account to be settled of the merchant to the available account of the merchant.

14. The method of claim 1, wherein the method further comprises:

and responding to the presenting triggering event corresponding to the target merchant, and presenting funds on the available account of the target merchant to the bank account of the target merchant.

15. The method of claim 14, wherein the cash-out trigger event is automatically initiated by the digital money business system upon completion of a settlement batch involving the target merchant.

16. The method of claim 14, wherein the presentment trigger event is actively initiated by the target merchant on a second user device.

17. The method of claim 16, wherein the presenting funds on the available account of the target merchant to the bank account of the target merchant comprises:

and checking the cash-out order number, the cash-out dynamic token and the payment verification code submitted by the target merchant on the second user equipment, and after the check is passed, cash-out funds on the available account of the target merchant to the bank account of the target merchant.

18. A computer device for settlement of receipts comprising a memory, a processor and a computer program stored on the memory, wherein the processor executes the computer program to carry out the steps of the method of any one of claims 1 to 17.

19. A computer readable storage medium having stored thereon a computer program/instruction which when executed by a processor performs the steps of the method according to any of claims 1 to 17.