CN117649227A

CN117649227A - Transaction settlement method, device, computer readable storage medium and electronic equipment

Info

Publication number: CN117649227A
Application number: CN202311635853.8A
Authority: CN
Inventors: 吴涛; 顾钰健
Original assignee: Tianyi Electronic Commerce Co Ltd
Current assignee: Tianyi Electronic Commerce Co Ltd
Priority date: 2023-11-30
Filing date: 2023-11-30
Publication date: 2024-03-05

Abstract

The invention discloses a transaction settlement method, a transaction settlement device, a computer readable storage medium and electronic equipment. The method comprises the following steps: acquiring first transaction information of a plurality of merchants, determining a commission charge required to be charged from the amount paid by a user to the merchants according to the first transaction information of each merchant, and obtaining first charging data corresponding to each merchant; acquiring second transaction information and second charging data of a plurality of merchants from a second transaction system of the target platform; determining total settlement amount for carrying out transaction settlement on each merchant according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchants, and carrying out transaction settlement on each merchant according to the total settlement amount. The invention solves the technical problem that in the related art, when the payment platform is updated from an old system to a new system, the fund settlement efficiency between the payment platform and the merchant is low because part of merchants transact in the old system and the new system at the same time.

Description

Transaction settlement method, device, computer readable storage medium and electronic equipment

Technical Field

The present invention relates to the field of computer software applications, and in particular, to a transaction settlement method, apparatus, computer readable storage medium, and electronic device.

Background

With the rapid development of payment services, the needs of merchants are constantly changing. To better respond to merchant needs, paymate platforms in various fields typically employ a system upgrade to optimize services. However, when the payment platform is upgraded from the old system to the new system, as some merchants transact in the old system and the new system at the same time, the transaction of the merchants is not uniform, so that the settlement funds of the merchants are difficult to calculate, and the fund settlement efficiency between the payment platform and the merchants is further affected.

In view of the above problems, no effective solution has been proposed at present.

Disclosure of Invention

The embodiment of the invention provides a transaction settlement method, a transaction settlement device, a computer readable storage medium and electronic equipment, which at least solve the technical problem that in the related art, when a payment platform is updated from an old system to a new system, due to the fact that part of merchants conduct transactions in the old system and the new system at the same time, fund settlement efficiency between the payment platform and the merchants is low.

According to an aspect of an embodiment of the present invention, there is provided a transaction settlement method including: acquiring first transaction information of a plurality of merchants, determining a commission charge required to be charged from the amount paid by a user to the merchants according to the first transaction information of each merchant, and obtaining first charging data corresponding to each merchant, wherein a target platform is used for providing at least one business service for each merchant, the first transaction information is generated when the user uses the business service for the merchants, and the amount required to be paid to the merchants is paid to the target platform when the user uses the business service; acquiring second transaction information and second charging data of a plurality of merchants from a second transaction system of the target platform, wherein the second transaction system is an upgraded system of the first transaction system; determining total settlement amount for carrying out transaction settlement on each merchant according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchants, and carrying out transaction settlement on each merchant according to the total settlement amount.

Further, the first transaction information includes a plurality of transaction records, and the transaction settlement method further includes: for each transaction record in the first transaction information of each merchant, determining the settlement type matched with the transaction record according to the business service matched with the transaction record, and determining the settlement direction matched with the transaction record according to the transaction type matched with the transaction record; judging whether the transaction record needs settlement or not according to the settlement direction and the settlement type; under the condition that the transaction records need to be settled, adding the transaction identification of the transaction records to a list to be settled; and determining the first charging data corresponding to each merchant according to the transaction records matched with the transaction identifications in the list to be settled.

Further, the transaction settlement method further comprises: predicting a time interval for acquiring a transaction identifier from a to-be-settled list according to the charging time of the charged transaction record, and obtaining a first time interval; acquiring N transaction identifications from the to-be-settled list under the condition that a second time interval reaches a first time interval, wherein the second time interval is a time interval between a current time point and a time point of acquiring the transaction identifications from the to-be-settled list last time, and N is a positive integer; for each transaction identifier in the N transaction identifiers, calculating the commission charge required to be charged from the transaction amount of the transaction record according to the transaction record matched with the transaction identifier, and obtaining charging sub-data matched with the transaction identifier; and repeatedly executing the process under the condition that the second time interval reaches the first time interval, acquiring N transaction identifications from the to-be-settled list until the calculation of transaction records matched with all the transaction identifications in the to-be-settled list is completed, and determining first charging data corresponding to all merchants according to all the obtained charging sub-data.

Further, the transaction settlement method further comprises: for each merchant, determining the settlement amount of the merchant in each target settlement type according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchant, wherein the target settlement type is the settlement type needing settlement; and determining the total settlement amount of the merchant according to the settlement amount of the merchant in each target settlement type.

Further, the transaction settlement method further comprises: generating a plurality of first sets according to the target settlement type and transaction records in the first transaction information of the merchant, wherein the target settlement types of the transaction records in the same set are the same; generating a plurality of second sets according to the target settlement type and transaction records in the second transaction information of the merchant; for each target settlement type, determining a first set matched with the target settlement type from a plurality of first sets to obtain a first target set, and determining a second set matched with the target settlement type from a plurality of second sets to obtain a second target set; and for each target settlement type, calculating the settlement amount of the merchant in the target settlement type according to the first target set, the second target set, the first charging data of the merchant and the second charging data.

Further, the transaction settlement method further comprises: for each transaction record in the first target set, determining first charging sub-data matched with the transaction record from first charging data of a merchant according to the transaction identification of the transaction record; for each transaction record in the second target set, determining second charging sub-data matched with the transaction record from second charging data of the merchant according to the transaction identifier of the transaction record; and calculating the settlement amount of the merchant in the target settlement type according to the transaction records in the first target set, the transaction records in the second target set, the first charging sub-data and the second charging sub-data.

Further, the transaction settlement method further comprises: calculating the total transaction amount corresponding to the target settlement type according to the transaction records in the first target set and the transaction records in the second target set; calculating the total charge amount corresponding to the target settlement type according to the first charging sub-data and the second charging sub-data; and calculating the settlement amount of the merchant in the target settlement type according to the difference between the total transaction amount and the total charge amount.

According to another aspect of the embodiment of the present invention, there is also provided a transaction settlement device including: the first acquisition module is used for acquiring first transaction information of a plurality of merchants, determining a commission charge required to be charged from the amount paid by a user to the merchants according to the first transaction information of each merchant, and obtaining first charging data corresponding to each merchant, wherein the target platform is used for providing at least one business service for each merchant, the first transaction information is generated when the user uses the business service for the merchants, and the user pays the amount required to be paid to the merchants to the target platform when using the business service; the second acquisition module is used for acquiring second transaction information and second charging data of a plurality of merchants from a second transaction system of the target platform, wherein the second transaction system is an upgraded system of the first transaction system; the determining module is used for determining the total settlement amount for carrying out transaction settlement on each merchant according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchants, and carrying out transaction settlement on each merchant according to the total settlement amount.

According to another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium having a computer program stored therein, wherein the computer program is configured to execute the transaction settlement method described above when run.

According to another aspect of an embodiment of the present invention, there is also provided an electronic device including one or more processors; and a memory for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement a method for running the program, wherein the program is configured to perform the transaction settlement method described above when run.

In the embodiment of the invention, a mode of summarizing transaction information and charging data of a first transaction system and a second transaction system to calculate total settlement amount of merchants is adopted, the total settlement amount of transaction settlement is determined for each merchant according to the first transaction information of the merchants, the handling fee required to be charged from the amount paid by a user to the merchants is determined according to the first transaction information of each merchant, the first charging data corresponding to each merchant is obtained, and then the second transaction information and the second charging data of the merchants are obtained from the second transaction system of a target platform, so that the total settlement amount of transaction settlement is determined for each merchant according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchants, and the transaction settlement is performed for each merchant according to the total settlement amount. The target platform is used for providing at least one business service for each merchant, the first transaction information is generated when the user uses the business service for the merchant, the user pays the amount to be paid to the merchant to the target platform when using the business service, and the second transaction system is a system after upgrading the first transaction system.

In the process, the first charging data corresponding to each merchant is obtained according to the first transaction information of each merchant, so that the determination of the transaction amount and the handling expense of each merchant in a first transaction system is realized, the determination of the transaction amount and the handling expense of each merchant in a second transaction system is realized by acquiring the second transaction information and the second charging data of a plurality of merchants from a second transaction system, the determination of the transaction amount and the handling expense of each merchant in the second transaction system is realized, the total settlement amount of each merchant for transaction settlement is determined according to the first transaction information, the first charging data, the second transaction information and the second charging data, and the total settlement amount of the merchant is calculated according to the summarized information of the first transaction system and the second transaction system, thereby on one hand, the transaction settlement efficiency is improved when each merchant is subjected to transaction settlement according to the total settlement amount, the merchant needs to be in butt joint with a plurality of systems when each transaction system is independently subjected to transaction settlement, and on the other hand, the settlement accuracy is improved.

Therefore, the scheme provided by the application achieves the purpose of summarizing the transaction information and the charging data of the first transaction system and the second transaction system to calculate the total settlement amount of the merchants, thereby realizing the technical effect of improving the transaction settlement efficiency, and further solving the technical problem that in the related art, when a payment platform is updated from an old system to a new system, due to the fact that part of merchants transact in the old system and the new system at the same time, the fund settlement efficiency between the payment platform and the merchants is low.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiments of the invention and together with the description serve to explain the invention and do not constitute a limitation on the invention. In the drawings:

FIG. 1 is a flow chart of an alternative transaction settlement method according to embodiments of the invention;

FIG. 2 is a schematic diagram of an alternative transaction settlement method according to embodiments of the invention;

FIG. 3 is a schematic diagram of an alternative transaction settlement device according to embodiments of the invention;

fig. 4 is a schematic diagram of an alternative electronic device according to an embodiment of the invention.

Detailed Description

In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.

It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be noted that, the user information (including, but not limited to, user equipment information, user personal information, etc.) and the data (including, but not limited to, data for presentation, analyzed data, etc.) related to the present disclosure are information and data authorized by the user or sufficiently authorized by each party.

Example 1

In accordance with an embodiment of the present invention, there is provided an embodiment of a transaction settlement method, it being noted that the steps illustrated in the flowchart of the figures may be performed in a computer system, such as a set of computer-executable instructions, and that, although a logical order is illustrated in the flowchart, in some cases, the steps illustrated or described may be performed in an order other than that illustrated herein.

FIG. 1 is a flow chart of an alternative transaction settlement method according to an embodiment of the invention, as shown in FIG. 1, applied to a first transaction system of a target platform, comprising the steps of:

step S101, first transaction information of a plurality of merchants is obtained, and according to the first transaction information of each merchant, the handling charge required to be charged from the amount paid by a user to the merchant is determined, so as to obtain first charging data corresponding to each merchant, wherein the target platform is used for providing at least one business service for each merchant, the first transaction information is generated when the business service is used by the user, and the amount required to be paid to the merchant is paid to the target platform when the business service is used by the user.

Optionally, the relationship between the target platform and the merchant is described in an optional application scenario. For example, the target platform provides the merchant with a swipe code payment service that the user uses to pay the merchant when the user is consuming at the merchant, in which case the user's paid fee does not directly reach the merchant's account, but rather reaches the target platform's account first. Further, since the merchant needs to provide a certain proportion of the commission fee to the target platform according to the fee paid by the user, the target platform settles the remaining fee to the merchant after charging a part of the commission fee from the fee paid by the user, so as to realize transaction settlement. The business service can be the code scanning payment business, financial product purchase or other business services.

Optionally, when the user uses the business service at the merchant, the first transaction system or the second transaction system of the target platform can automatically acquire the transaction information of the merchant, wherein a plurality of transaction records exist in the transaction information, one transaction record corresponds to one user transaction, and the transaction records include, but are not limited to, the identification of the corresponding business service, the identification of the merchant, the transaction amount, the transaction type and the like.

Optionally, fig. 2 is a schematic diagram of an alternative transaction settlement method according to an embodiment of the present invention, as shown in fig. 2, after the first transaction system obtains the first transaction information of the merchant, the first transaction system may calculate, according to the transaction amount in the transaction record, the transaction fee corresponding to the transaction record, so as to determine the first charging data of the merchant according to the transaction fees of all the transaction records corresponding to the merchant.

Step S102, second transaction information and second charging data of a plurality of merchants are obtained from a second transaction system of the target platform, wherein the second transaction system is an upgraded system of the first transaction system.

Optionally, the business service used by the merchant may be provided by the first transaction system or may be provided by the second transaction system, for example, a two-dimensional code is set on a plurality of tables of the merchant, where the two-dimensional code is used to provide a code scanning payment service, and part of the two-dimensional code is not updated yet, and the code scanning payment service provided for the first transaction system, and another part of the two-dimensional code is updated yet, and the code scanning payment service provided for the second transaction system. That is, the first transaction information is generated when the user uses the business service provided by the first transaction system of the target platform, and the second transaction information is generated when the user uses the business service provided by the second transaction system of the target platform.

Thus, as shown in fig. 2, the first transaction system may interface with a second transaction system, and obtain second transaction information and second billing data of a plurality of merchants from the second transaction system. And the second transaction system determines the commission charge required to be charged from the amount paid by the user to the merchant according to the second transaction information of each merchant, and obtains the second charging data corresponding to each merchant.

Step S103, determining the total settlement amount for carrying out transaction settlement on each merchant according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchants, and carrying out transaction settlement on each merchant according to the total settlement amount.

Optionally, as shown in fig. 2, for each merchant, the first transaction system may calculate the sum of transaction amounts of the merchants according to the first transaction information and the second transaction information of the merchants, calculate the sum of commissions of the merchants according to the first charging data and the second charging data of the merchants, thereby subtracting the sum of commissions from the sum of transaction amounts to obtain a total settlement amount, and then transfer accounts to the accounts of the merchants according to the total settlement amount to realize transaction settlement of the merchants.

Optionally, for each merchant, the first transaction system may also determine a settlement amount of the merchant at each target settlement type according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchant, so as to determine a total settlement amount of the merchant according to the settlement amount of the merchant at each target settlement type, where the target settlement type is a settlement type to be settled. Optionally, the settlement types may be payment settlement, marketing settlement, other settlement types, etc., according to the agreement between the target platform and the merchant, some settlement types do not need settlement, and some settlement types need settlement, and the settlement channels and settlement rules corresponding to different target settlement types are different, where the settlement channels refer to channels used in transaction settlement, for example, the settlement channels may be balance channels, debit card channels, etc., and the settlement rules refer to rules for determining settlement amounts of merchants in the target settlement types.

Based on the scheme defined in the steps S101 to S103, it may be known that in the embodiment of the present invention, the transaction information and the charging data of the first transaction system and the second transaction system are summarized to calculate the total settlement amount of the merchants, by acquiring the first transaction information of the plurality of merchants, determining the commission fee required to be charged from the amount paid by the user to the merchants according to the first transaction information of each merchant, obtaining the first charging data corresponding to each merchant, and then acquiring the second transaction information and the second charging data of the plurality of merchants from the second transaction system of the target platform, so as to determine the total settlement amount for performing transaction settlement on each merchant according to the first transaction information, the first charging data, the second transaction information and the second charging data of the plurality of merchants, and performing transaction settlement on each merchant according to the total settlement amount. The target platform is used for providing at least one business service for each merchant, the first transaction information is generated when the user uses the business service for the merchant, the user pays the amount to be paid to the merchant to the target platform when using the business service, and the second transaction system is a system after upgrading the first transaction system.

In an alternative embodiment, the first transaction information includes a plurality of transaction records, where in determining, according to the first transaction information of each merchant, a handling fee to be charged from an amount paid by a user to the merchant, and obtaining first charging data corresponding to each merchant, the first transaction system may determine, for each transaction record in the first transaction information of each merchant, a settlement type matched with the transaction record according to a service matched with the transaction record, determine a settlement direction matched with the transaction record according to the transaction type matched with the transaction record, then determine whether the transaction record needs settlement according to the settlement direction and the settlement type, and then, in case that the transaction record needs settlement, add a transaction identifier of the transaction record to a to-be-settled list, so as to determine, according to the transaction record matched with the transaction identifier in the to-be-settled list, the first charging data corresponding to each merchant.

Optionally, after the first transaction system obtains the first transaction information, the first transaction information is stored in a database, and each transaction record in the first transaction information is marked with an [ OLD ] identifier in the database. Optionally, for each transaction record in the first transaction information of each merchant, the first transaction system may determine, according to the service matched with the transaction record, a settlement type matched with the transaction record from a preset matching relationship between the service and the settlement type. For example, if the service is the code scanning payment service, the settlement type is payment type settlement, and if the service is the financial product purchase, the settlement type is marketing type settlement.

Optionally, the first transaction system may determine, according to the transaction type matched with the transaction record, a settlement direction matched with the transaction record from a preset matching relationship between the transaction type and the settlement direction. Wherein transaction types include, but are not limited to, standard orders, vouchers confirmation, refunds, withdrawals, positive, vouchers confirmation withdrawals, standard generation orders, vouchers orders, pre-authorized orders, etc., and settlement directions include, but are not limited to, forward settlement and reverse settlement, wherein reverse settlement includes withdrawal of transactions and refunds of transactions. Optionally, the first transaction system may record the settlement type and settlement direction in the database to mark the transaction record.

Optionally, after determining the settlement direction and the settlement type, the first transaction system may determine whether the transaction record needs settlement according to the settlement direction and the settlement type. The matching relation among the settlement direction, the settlement type and the information representing whether settlement is needed or not is preset in the first transaction system, and the first transaction system can judge according to the matching information. For example, if the settlement direction is forward settlement and the settlement type is payment type settlement or marketing type settlement, it is determined that the transaction record needs settlement, otherwise, it is determined that the transaction record does not need settlement. Optionally, the first transaction system may record the settlement determination result in the database to mark the transaction record.

Optionally, for the transaction record to be calculated, the first transaction system may add the transaction identifier of the transaction record to the to-be-settled list, so as to determine the first charging data corresponding to each merchant according to the transaction record matched with the transaction identifier in the to-be-settled list, where the transaction record includes the transaction identifier.

Alternatively, for the second transaction information acquired from the second transaction system, the first transaction system may store the second transaction information in a database, and mark each transaction record in the second transaction information with a [ NEW ] identifier in the database. Optionally, the second transaction information also includes a plurality of transaction records, and the transaction records in the second transaction information are different from the transaction records in the first transaction information. After the first transaction system acquires the second transaction information, the settlement type, the settlement direction and the settlement judging result matched with the transaction record can be acquired from the second transaction system, so that the settlement type, the settlement direction and the settlement judging result are also recorded in the database to mark the transaction record in the second transaction information.

By the process, the transaction records needing settlement are accurately determined, so that the accuracy of determining the settlement amount is improved.

In an alternative embodiment, in determining the first charging data corresponding to each merchant according to the transaction records matched with the transaction identifications in the to-be-settled list, the first transaction system may predict a time interval of acquiring the transaction identifications from the to-be-settled list according to the charging time of the charged transaction records, obtain the first time interval, then acquire N transaction identifications from the to-be-settled list when the second time interval reaches the first time interval, then calculate, for each transaction identification in the N transaction identifications, a commission fee required to be charged from the transaction amount of the transaction records according to the transaction identification matched transaction records, obtain the charging sub-data matched with the transaction identifications, thereby repeatedly executing the calculation of acquiring the N transaction identifications from the to-be-settled list until all the transaction identifications in the to-be-settled list are matched, and determining the first charging data corresponding to each merchant according to all the obtained charging sub-data. The second time interval refers to a time interval between a current time point and a time point of acquiring a transaction identifier from a list to be settled last time, and N is a positive integer.

Optionally, the first transaction system may predict a first time interval according to the charging time of the charged transaction record and the number of transaction identifiers obtained each time, for example, if the duration of charging one transaction record is 10ms and 1000 transaction identifiers are sequentially obtained, the first time interval is 10000ms, that is, the first transaction system may obtain 1000 transaction identifiers from the to-be-settled list every 10000 ms.

Optionally, when the second time interval reaches the first time interval, the first transaction system may acquire N transaction identifiers from the to-be-settled list, where N may be a preset value or calculated. Further, for each transaction identifier in the N transaction identifiers, the first transaction system may first determine a transaction record matched with the transaction identifier, and then determine a rule matched with the transaction service matched with the transaction record for calculating a transaction fee, so as to calculate the transaction fee according to the determined rule for calculating the transaction fee and the transaction amount in the transaction record, and obtain charging sub-data matched with the transaction identifier. Wherein the rules for calculating the commission fee matched by each business service are stored in the first transaction system.

And then, the first transaction system can continuously acquire N transaction identifications from the to-be-settled list according to the first time interval until the calculation of transaction records matched with all the transaction identifications in the to-be-settled list is completed, so that all the charging sub-data are summarized, and first charging data corresponding to all merchants are obtained. Wherein the first transaction system may periodically re-determine the first time interval, e.g., based on the charging time of the latest charged transaction record.

The N may be obtained by subtracting the number to be charged from the allowed maximum throughput of the first transaction system, where the number to be charged refers to the number of transaction identifiers that are acquired from the to-be-settled list but not charged, and the allowed maximum throughput refers to the maximum number of transaction identifiers that are acquired from the to-be-settled list but not charged that are allowed to exist.

Optionally, when the second time interval reaches the first time interval, the first transaction system may further calculate a ratio between the number to be charged and the allowed maximum throughput, so that N transaction identifiers are obtained from the to-be-settled list when the ratio is smaller than or equal to a preset ratio, otherwise, when the ratio is larger than the preset ratio, the waiting ratio is equal to the preset ratio, and N transaction identifiers are obtained from the to-be-settled list.

Optionally, in the process of charging the transaction record (i.e. calculating the commission fee), if the charging fails, the transaction record can be recorded, then the charging is performed again periodically (e.g. every one hour), and for the transaction record with the accumulated number of times of the charging failure reaching the preset number of times, the first transaction system can generate early warning information according to the transaction identifier of the transaction record so as to remind the staff to process.

It should be noted that, by predicting the first time interval according to the information such as charging time consumption, the frequency of dynamic decision charging operation is realized, and the charging congestion effect is reduced. And further, the occurrence of the phenomenon of charging failure can be effectively reduced.

In an alternative embodiment, in determining the total settlement amount for each merchant according to the first transaction information, the first charging data, the second transaction information and the second charging data of the plurality of merchants, the first transaction system may determine, for each merchant, the settlement amount of the merchant at each target settlement type according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchant, where the target settlement type is a settlement type that needs to be settled, and determine the total settlement amount of the merchant according to the settlement amount of the merchant at each target settlement type.

Optionally, since some settlement types need to be settled, some settlement types do not need to be settled, and settlement channels and settlement rules corresponding to different settlement types need to be settled are different, the first transaction system can determine, for each merchant, settlement amounts of the merchant in each target settlement type according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchant, so as to determine total settlement amounts.

For example, the target settlement types are payment settlement and marketing settlement, the first transaction system can initiate merchant payment settlement summary and merchant marketing settlement summary for the same merchant according to the information such as the settlement type matched with the transaction records and the matched merchant identification, and the merchant payment settlement summary and merchant marketing settlement summary are divided into three main contents of forward summary, withdrawal summary and refund summary according to the settlement direction of the transaction records. Each record in the forward summary in the merchant payment summary and the merchant marketing summary contains a corresponding transaction record and charging sub-data corresponding to the transaction record, and each record in the withdrawal summary and the refund summary only contains a corresponding transaction record. Therefore, the first transaction system can calculate and obtain the settlement amount of the merchant in the target settlement type according to the data of the merchant in the forward summary and the settlement rules corresponding to the target settlement type, and further determine the total settlement amount of the merchant according to the settlement amount of the merchant in each target settlement type.

It should be noted that, because the settlement channels and settlement rules corresponding to different target settlement types are different, the accuracy of calculating the total settlement amount can be further improved by calculating the settlement amount of the merchant at each target settlement type and then determining the total settlement amount of the merchant.

In an alternative embodiment, in determining the settlement amount of the merchant in each target settlement type according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchant, the first transaction system may generate a plurality of first sets according to the target settlement type and the transaction record in the first transaction information of the merchant, then generate a plurality of second sets according to the target settlement type and the transaction record in the second transaction information of the merchant, then determine the first set matched with the target settlement type from the plurality of first sets for each target settlement type, obtain the first target set, and determine the second set matched with the target settlement type from the plurality of second sets, obtain the second target set, so as to calculate the settlement amount of the merchant in the target settlement type according to the first target set, the second target set, the first charging data and the second charging data of the merchant for each target settlement type. Wherein the target settlement types of the transaction records in the same collection are the same.

For example, the first transaction system may extract transaction records corresponding to payment settlement from the first transaction information of the merchant, then form a first set from the extracted transaction records, extract transaction records corresponding to marketing calculation from the first transaction information of the merchant, and then form another first set from the extracted transaction records.

Optionally, for each target settlement type, after determining the first target set and the second target set of the target settlement type, the first transaction system may determine a total transaction amount of the merchant corresponding to the target settlement type according to the first target set and the second target set, and calculate a total fee amount of the merchant corresponding to the target settlement type according to the first charging data and the second charging data, so as to calculate a settlement amount of the merchant corresponding to the target settlement type according to the total transaction amount and the total fee amount.

It should be noted that, by determining the first target set and the second target set from the first transaction information and the second transaction information respectively, effective screening of the transaction records related to the target settlement type is achieved, so that the determined settlement amount is more accurate.

In an alternative embodiment, in calculating the settlement amount of the merchant in the target settlement type according to the first target set, the second target set, the first charging data of the merchant and the second charging data, the first transaction system may determine, for each transaction record in the first target set, first charging sub-data matched with the transaction record from the first charging data of the merchant according to the transaction identification of the transaction record, and determine, for each transaction record in the second target set, second charging sub-data matched with the transaction record from the second charging data of the merchant according to the transaction identification of the transaction record, thereby calculating the settlement amount of the merchant in the target settlement type according to the transaction record in the first target set, the transaction record in the second target set, the first charging sub-data and the second charging sub-data.

Optionally, the first transaction system may match the transaction record in the first target set with the first charging sub-data in the first charging data according to the transaction identifier, and match the transaction record in the second target set with the second charging sub-data in the second charging data according to the transaction identifier. For the transaction records with failed matching, the first transaction system can record the transaction records and then perform matching weight test at fixed time, and if the accumulated number of times of the failed matching of a certain transaction record reaches the preset number of times, early warning information can be generated to remind workers to process.

Optionally, the first transaction system may calculate the settlement amount of the merchant in the target settlement type according to the transaction record in the first target set, the transaction record in the second target set, the first charging sub-data and the second charging sub-data.

It should be noted that, by determining the first charging sub-data and the second charging sub-data from the first charging data and the second charging data respectively, effective screening of the charging sub-data related to the target settlement type is achieved, so that the determined settlement amount is more accurate.

In an alternative embodiment, in the process of calculating the settlement amount of the merchant in the target settlement type according to the transaction records in the first target set, the transaction records in the second target set, the first charging sub-data and the second charging sub-data, the first transaction system can calculate the total transaction amount corresponding to the target settlement type according to the transaction records in the first target set and the transaction records in the second target set, and then calculate the total charge amount corresponding to the target settlement type according to the first charging sub-data and the second charging sub-data, so as to calculate the settlement amount of the merchant in the target settlement type according to the difference between the total transaction amount and the total charge amount.

Optionally, the first transaction system may perform summation calculation on transaction amounts of all transaction records in a first target set corresponding to the target settlement type to obtain a first amount value, and perform summation calculation on transaction amounts of all transaction records in a second target set corresponding to the target settlement type to obtain a second amount value, so as to add the first amount value and the second amount value to obtain a total transaction amount.

Optionally, the first transaction system may sum up and calculate the commission fees of all the first charging sub-data and the second charging sub-data corresponding to the target settlement type, so as to obtain the total charging amount. The first transaction system may then calculate a settlement amount based on the settlement rules of the target settlement type and a difference between the total transaction amount and the total fee amount. For example, the settlement rule may be to determine a difference between the total transaction amount and the total charge amount as a settlement amount, and for another example, the settlement rule may be to multiply a difference between the total transaction amount and the total charge amount by a preset value and determine the multiplied value as the settlement amount.

It should be noted that, through the above-mentioned process, accurate determination of settlement amount of the merchant in the target settlement type is realized.

Example 2

According to an embodiment of the present invention, there is provided an embodiment of a transaction settlement device, wherein fig. 3 is a schematic diagram of an alternative transaction settlement device according to an embodiment of the present invention, as shown in fig. 3, the device includes:

the first obtaining module 301 is configured to obtain first transaction information of a plurality of merchants, and determine, according to the first transaction information of each merchant, a handling fee to be charged from an amount paid by a user to the merchant, to obtain first charging data corresponding to each merchant, where the target platform is configured to provide at least one business service for each merchant, the first transaction information is generated when the user uses the business service for the merchant, and the user pays the amount to be paid to the merchant to the target platform when using the business service;

A second obtaining module 302, configured to obtain second transaction information and second charging data of a plurality of merchants from a second transaction system of the target platform, where the second transaction system is an upgraded system of the first transaction system;

the determining module 303 is configured to determine a total settlement amount for performing transaction settlement on each merchant according to the first transaction information, the first charging data, the second transaction information and the second charging data of the plurality of merchants, and perform transaction settlement on each merchant according to the total settlement amount.

It should be noted that the first acquiring module 301, the second acquiring module 302, and the determining module 303 correspond to steps S101 to S103 in the above embodiment, and the three modules are the same as examples and application scenarios implemented by the corresponding steps, but are not limited to those disclosed in embodiment 1.

Optionally, the first obtaining module 301 further includes: the first determining submodule is used for determining the settlement type matched with the transaction records according to the business service matched with the transaction records for each transaction record in the first transaction information of each merchant and determining the settlement direction matched with the transaction records according to the transaction type matched with the transaction records; the judging sub-module is used for judging whether the transaction record needs settlement according to the settlement direction and the settlement type; the adding sub-module is used for adding the transaction identifier of the transaction record to the list to be settled under the condition that the transaction record needs to be settled; and the second determining sub-module is used for determining the first charging data corresponding to each merchant according to the transaction records matched with the transaction identifications in the list to be settled.

Optionally, the second determining submodule further includes: the predicting unit is used for predicting the time interval for acquiring the transaction identifier from the to-be-settled list according to the charging time of the charged transaction record to obtain a first time interval; the acquiring unit is used for acquiring N transaction identifications from the to-be-settled list under the condition that a second time interval reaches a first time interval, wherein the second time interval is a time interval between a current time point and a time point of acquiring the transaction identifications from the to-be-settled list last time, and N is a positive integer; the first calculating unit is used for calculating the commission charge required to be charged from the transaction amount of the transaction record according to the transaction record matched with the transaction identifier for each transaction identifier in the N transaction identifiers, so as to obtain charging sub-data matched with the transaction identifier; the first determining unit is configured to repeatedly execute the first determining unit, and obtain N transaction identifiers from the to-be-settled list when the second time interval reaches the first time interval until calculation of transaction records matching all the transaction identifiers in the to-be-settled list is completed, and determine first charging data corresponding to each merchant according to all the obtained charging sub-data.

Optionally, the determining module 303 further includes: the third determining submodule is used for determining the settlement amount of each merchant in each target settlement type according to the first transaction information, the first charging data, the second transaction information and the second charging data of each merchant, wherein the target settlement type is the settlement type needing settlement; and the fourth determining submodule is used for determining the total settlement amount of the merchant according to the settlement amount of the merchant in each target settlement type.

Optionally, the third determining sub-module further comprises: the first generation unit is used for generating a plurality of first sets according to the target settlement type and the transaction records in the first transaction information of the merchant, wherein the target settlement types of the transaction records in the same set are the same; the second generation unit is used for generating a plurality of second sets according to the target settlement type and the transaction records in the second transaction information of the merchant; the second determining unit is used for determining a first set matched with the target settlement type from the plurality of first sets to obtain a first target set, and determining a second set matched with the target settlement type from the plurality of second sets to obtain a second target set; and the second calculating unit is used for calculating the settlement amount of the merchant in the target settlement type according to the first target set, the second target set, the first charging data and the second charging data of the merchant for each target settlement type.

Optionally, the second computing unit further includes: a first determining subunit, configured to determine, for each transaction record in the first target set, first charging sub-data that matches the transaction record from the first charging data of the merchant according to the transaction identifier of the transaction record; a second determining subunit, configured to determine, for each transaction record in the second target set, second charging sub-data that matches the transaction record from the second charging data of the merchant according to the transaction identifier of the transaction record; the first calculating subunit is configured to calculate a settlement amount of the merchant in the target settlement type according to the transaction record in the first target set, the transaction record in the second target set, the first charging sub-data and the second charging sub-data.

Optionally, the first computing subunit further comprises: the second calculating subunit is used for calculating the total transaction amount corresponding to the target settlement type according to the transaction records in the first target set and the transaction records in the second target set; the third calculating subunit is used for calculating the total charge amount corresponding to the target settlement type according to the first charging sub-data and the second charging sub-data; and the fourth calculating subunit is used for calculating the settlement amount of the merchant in the target settlement type according to the difference value between the total transaction amount and the total charge amount.

Example 3

According to another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium in which a computer program is stored, wherein the computer program is configured to execute the transaction settlement method described above at run-time.

Example 4

According to another aspect of the embodiments of the present invention, there is also provided an electronic device, wherein fig. 4 is a schematic diagram of an alternative electronic device according to an embodiment of the present invention, as shown in fig. 4, the electronic device including one or more processors; and a memory for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement a method for running the program, wherein the program is configured to perform the transaction settlement method described above when run.

The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.

In the foregoing embodiments of the present invention, the descriptions of the embodiments are emphasized, and for a portion of this disclosure that is not described in detail in this embodiment, reference is made to the related descriptions of other embodiments.

In the several embodiments provided in the present application, it should be understood that the disclosed technology content may be implemented in other manners. The above-described embodiments of the apparatus are merely exemplary, and the division of units may be a logic function division, and there may be another division manner in actual implementation, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some interfaces, units or modules, or may be in electrical or other forms.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed over a plurality of units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.

The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in essence or a part contributing to the prior art or all or part of the technical solution in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method of the various embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.

The foregoing is merely a preferred embodiment of the present invention and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present invention, which are intended to be comprehended within the scope of the present invention.

Claims

1. A transaction settlement method, characterized by a first transaction system applied to a target platform, the method comprising:

acquiring first transaction information of a plurality of merchants, determining a commission charge required to be charged from the amount paid by a user to the merchants according to the first transaction information of each merchant, and obtaining first charging data corresponding to each merchant, wherein the target platform is used for providing at least one business service for each merchant, the first transaction information is generated when the business service is used by the user, and the amount required to be paid to the merchant is paid to the target platform when the business service is used by the user;

acquiring second transaction information and second charging data of the merchants from a second transaction system of the target platform, wherein the second transaction system is an upgraded system of the first transaction system;

Determining total settlement amount for carrying out transaction settlement on all merchants according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchants, and carrying out transaction settlement on all merchants according to the total settlement amount.

2. The method of claim 1, wherein the first transaction information includes a plurality of transaction records, wherein determining, according to the first transaction information of each merchant, a commission to be charged from an amount paid by the user to the merchant, and obtaining first charging data corresponding to each merchant, includes:

for each transaction record in the first transaction information of each merchant, determining a settlement type matched with the transaction record according to the business service matched with the transaction record, and determining a settlement direction matched with the transaction record according to the transaction type matched with the transaction record;

judging whether the transaction record needs settlement or not according to the settlement direction and the settlement type;

under the condition that the transaction records need to be settled, adding the transaction identification of the transaction records to a list to be settled;

and determining the first charging data corresponding to each merchant according to the transaction records matched with the transaction identifications in the to-be-settled list.

3. The method of claim 2, wherein determining the first billing data corresponding to each merchant from the transaction records in the to-be-settled list for which the transaction identifications match comprises:

predicting a time interval for acquiring a transaction identifier from the to-be-settled list according to the charging time of the charged transaction record to obtain a first time interval;

acquiring N transaction identifications from the to-be-settled list under the condition that a second time interval reaches the first time interval, wherein the second time interval is a time interval between a current time point and a time point of acquiring the transaction identifications from the to-be-settled list last time, and N is a positive integer;

calculating the commission charge required to be charged from the transaction amount of the transaction record according to the transaction record matched with the transaction identifier for each transaction identifier in the N transaction identifiers, and obtaining charging sub-data matched with the transaction identifier;

and repeatedly executing the calculation of transaction records matched with all transaction identifications in the to-be-settled list until the calculation of the transaction records matched with all transaction identifications in the to-be-settled list is completed under the condition that the second time interval reaches the first time interval, and determining first charging data corresponding to all merchants according to all obtained charging sub-data.

4. The method of claim 1, wherein determining the total settlement amount for each merchant to settle the transaction based on the first transaction information, the first billing data, the second transaction information, and the second billing data for the plurality of merchants comprises:

for each merchant, determining the settlement amount of the merchant in each target settlement type according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchant, wherein the target settlement type is the settlement type needing settlement;

and determining the total settlement amount of the merchant according to the settlement amount of the merchant in each target settlement type.

5. The method of claim 4, wherein determining the settlement amount of the merchant at each target settlement type based on the first transaction information, the first billing data, the second transaction information, and the second billing data of the merchant comprises:

generating a plurality of first sets according to the target settlement type and the transaction records in the first transaction information of the merchant, wherein the target settlement types of the transaction records in the same set are the same;

generating a plurality of second sets according to the target settlement type and transaction records in the second transaction information of the merchant;

For each target settlement type, determining a first set matched with the target settlement type from the plurality of first sets to obtain a first target set, and determining a second set matched with the target settlement type from the plurality of second sets to obtain a second target set;

and for each target settlement type, calculating the settlement amount of the merchant in the target settlement type according to the first target set, the second target set, the first charging data of the merchant and the second charging data.

6. The method of claim 5, wherein calculating the settlement amount for the merchant at the target settlement type based on the first set of targets, the second set of targets, the first billing data for the merchant, and the second billing data, comprises:

for each transaction record in the first target set, determining first charging sub-data matched with the transaction record from first charging data of the merchant according to the transaction identifier of the transaction record;

for each transaction record in the second target set, determining second charging sub-data matched with the transaction record from second charging data of the merchant according to the transaction identifier of the transaction record;

And calculating the settlement amount of the merchant in the target settlement type according to the transaction records in the first target set, the transaction records in the second target set, the first charging sub-data and the second charging sub-data.

7. The method of claim 6, wherein calculating the settlement amount for the merchant at the target settlement type based on the transaction records in the first target set, the transaction records in the second target set, the first billing sub-data, and the second billing sub-data, comprises:

calculating the total transaction amount corresponding to the target settlement type according to the transaction records in the first target set and the transaction records in the second target set;

calculating the total charge amount corresponding to the target settlement type according to the first charging sub-data and the second charging sub-data;

and calculating the settlement amount of the merchant in the target settlement type according to the difference value between the total transaction amount and the total charge amount.

8. A transaction settlement device, characterized by a first transaction system applied to a target platform, comprising:

the first acquisition module is used for acquiring first transaction information of a plurality of merchants, determining a commission charge required to be charged from the amount paid by a user to the merchants according to the first transaction information of each merchant, and obtaining first charging data corresponding to each merchant, wherein the target platform is used for providing at least one business service for each merchant, the first transaction information is generated by the user when the merchant uses the business service, and the user pays the amount required to be paid to the merchant to the target platform when using the business service;

The second acquisition module is used for acquiring second transaction information and second charging data of the merchants from a second transaction system of the target platform, wherein the second transaction system is an upgraded system of the first transaction system;

and the determining module is used for determining the total settlement amount for carrying out transaction settlement on all the merchants according to the first transaction information, the first charging data, the second transaction information and the second charging data of the merchants, and carrying out transaction settlement on all the merchants according to the total settlement amount.

9. A computer readable storage medium, characterized in that the computer readable storage medium has stored therein a computer program, wherein the computer program is arranged to execute the transaction settlement method as claimed in any one of claims 1 to 7 at run-time.

10. An electronic device, the electronic device comprising one or more processors; a memory for storing one or more programs that, when executed by the one or more processors, cause the one or more processors to implement a method for running a program, wherein the program is configured to perform the transaction settlement method of any one of claims 1 to 7 when run.