WO2017128687A1 - 一种数据平台 - Google Patents

一种数据平台 Download PDF

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Publication number
WO2017128687A1
WO2017128687A1 PCT/CN2016/093603 CN2016093603W WO2017128687A1 WO 2017128687 A1 WO2017128687 A1 WO 2017128687A1 CN 2016093603 W CN2016093603 W CN 2016093603W WO 2017128687 A1 WO2017128687 A1 WO 2017128687A1
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WO
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Prior art keywords
information
equity
server
transaction
clearing
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PCT/CN2016/093603
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English (en)
French (fr)
Inventor
胡卓磊
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上海新卡说信息技术有限公司
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Publication of WO2017128687A1 publication Critical patent/WO2017128687A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Definitions

  • the present invention relates to the field of network technologies, and in particular, to a data platform.
  • the user's consumption operation is processed through the network platform, and the user queries, makes an appointment or purchases based on the information provided by the network platform.
  • the user conducts a transaction, and there may be multiple network platforms connected to each other to jointly serve the user's transaction request for a specific consumer object.
  • the merchant's web platform, the third-party event offer platform, and the acquirer platform are interconnected to facilitate the completion of a transaction.
  • the multi-party network service platform to divide the service consideration. In practical applications, it is necessary to pass another independent clearing system or manual after the transaction. To account for the consideration of the transaction service.
  • the technical problem solved by the present invention is to provide a data platform to improve the efficiency of the transaction and the clearing system.
  • an embodiment of the present invention provides a data platform, where the data platform includes:
  • the portal information processing server is adapted to receive the transaction request information from the transaction terminal, and send the transaction request information to the activity information server via the equity information interface, where the transaction request information includes transaction information, identity information, merchant identifier, and equity channel information. ;
  • the activity information server is adapted to receive the transaction request information, and query the equity information database according to the equity channel information and the identity information to determine whether the equity information corresponding to the identity information exists, when the equity information exists Generating actual payment information according to the transaction information and the equity information, and transmitting the actual payment information to the transaction terminal, and transmitting the equity channel information, the merchant identifier, and the actual to the clearing and clearing server Payment Information;
  • the clearing and clearing server is adapted to query the first accounting ratio information base according to the equity channel information and the merchant identifier to generate first accounting ratio information, and the clearing clearing server sends the actual payment information and the first accounting
  • the ratio information is to the acquirer server pointed to by the transaction request information, and receives the first split information that the acquirer server feeds back based on the first split ratio information and the actual payment information.
  • the portal information processing server includes:
  • a receiving unit configured to receive transaction request information from the transaction terminal
  • An equity information interface includes an activity information interface, and the activity information interface is adapted to send the transaction request information to the activity information server.
  • the activity information server includes:
  • the transaction request information receiving unit is adapted to receive the transaction request information sent via the equity information interface
  • the determining unit is configured to query the equity information database according to the rights channel information and the identity information to determine whether the rights information corresponding to the identity information exists;
  • the actual payment information generating unit is adapted to generate the actual payment information according to the transaction information and the equity information when the equity information is present;
  • a sending unit configured to send the actual payment information to the transaction terminal, and send the equity channel information, the merchant identifier, and the actual payment information to a clearing and clearing server.
  • the determining unit includes:
  • a first search subunit configured to determine, in the equity information database, an equity information sub-library pointed by the equity channel information according to the equity channel information;
  • a second search subunit configured to query, in the equity information sub-database, the equity information associated with the identity information according to the identity information.
  • the equity information base is a local equity information base.
  • the equity information sub-library is located at a remote equity channel server.
  • the rights information interface further includes a merchant member management system interface, and the merchant member management system interface is adapted to send the identity information and the transaction information to the merchant member management system, and receive the merchant member management system. Redemption information based on feedback of the transaction request information.
  • the merchant member management system interface is further adapted to convert the identity information into index membership identity information that matches the merchant member management system, and send the index membership identity information and the transaction information to the location The merchant membership management system.
  • the activity information server generates the actual payment information according to the transaction information, the equity information, and the redemption information.
  • the clearing and clearing server comprises:
  • the equity amount redemption unit is adapted to redeem the equity amount for the merchant account corresponding to the merchant identifier according to the equity information.
  • the clearing and clearing server comprises:
  • the first accounting ratio information generating unit is configured to query the first accounting ratio information database according to the equity channel information and the merchant identifier to generate the first accounting ratio information;
  • the first accounting information generating unit is adapted to send the actual payment information and the first accounting ratio information to the acquirer server, and receive the first accounting information fed back by the acquirer server based on the first accounting ratio information.
  • the clearing and clearing server further includes:
  • the second accounting ratio information calculation unit is adapted to query the second accounting ratio information database according to the equity channel information and the merchant identifier to generate second accounting ratio information;
  • the second accounting information generating unit is adapted to generate second accounting information according to the first accounting information and the second accounting ratio information.
  • the transaction information includes a total transaction amount and equity amount information.
  • the embodiment of the present invention receives and sends transaction request information from a transaction terminal by using the portal information service platform, where the transaction request information includes transaction information, identity information, a merchant identifier, and equity channel information, and the activity information server is based on the equity channel information. And the identity information determines whether the rights information exists.
  • the actual payment information is generated according to the transaction information and the equity information, and is sent to the transaction terminal.
  • the clearing and clearing server generates the first accounting ratio information according to the equity channel information and the merchant identifier, and sends the first accounting ratio information and the actual payment information to the acquirer server, and accepts the acquiring party to the server.
  • the first accounting ratio information and the first accounting information of the actual payment information feedback are described.
  • the data service platform in the embodiment of the present invention uses the activity information server to summarize the information of different network platforms, provides a unified portal for the transaction terminal, and can query the equity information corresponding to the identity information through a transaction request of the transaction terminal.
  • the transaction terminal directly receives the actual payment information, and no longer needs the user to provide relevant information multiple times to query, acquire the equity information or pay the payment to the different network service platforms, which simplifies the efficiency of the transaction system.
  • the embodiment of the present invention uses the clearing and clearing server to directly obtain the first accounting information based on the actual payment information and the first accounting ratio information, and the first accounting information includes the price information that the network service platform deserves. In order to achieve the completion of the current transaction, the accounting between the related entities is randomly completed, and the external clearing system is no longer required to separately import the confirmed actual payment information to perform the accounting of different entities, thereby improving the efficiency of the clearing system.
  • FIG. 1 is a schematic structural diagram of a data platform in an embodiment of the present invention.
  • FIG. 2 is a schematic structural diagram of an activity information server shown in FIG. 1;
  • FIG. 3 is a schematic structural diagram of a clearing and clearing server shown in FIG. 1;
  • FIG. 4 is a schematic structural diagram of another data platform in the embodiment of the present invention.
  • the merchant's web platform, the third-party event offer platform, and the acquirer platform are interconnected to facilitate the completion of a transaction.
  • the multi-party network service platform to divide the service consideration. In practical applications, it is necessary to pass another independent clearing system or manual after the transaction. To account for the consideration of the transaction service.
  • the embodiment of the present invention receives and sends transaction request information from a transaction terminal by using the portal information service platform, where the transaction request information includes transaction information, identity information, a merchant identifier, and equity channel information, and the activity information server is based on the equity channel information. And the identity information determines whether the rights information exists.
  • the actual payment information is generated according to the transaction information and the equity information, and is sent to the transaction terminal.
  • the clearing and clearing server generates the first accounting ratio information according to the equity channel information and the merchant identifier, and sends the first accounting ratio information and the actual payment information to the acquirer server, and accepts the acquiring party to the server.
  • the first accounting ratio information and the first accounting information of the actual payment information feedback are described.
  • the data service platform in the embodiment of the present invention uses the activity information server to summarize the information of different network platforms, provides a unified portal for the transaction terminal, and can query the equity information corresponding to the identity information through a transaction request of the transaction terminal. Enable the transaction terminal to receive the actual payment letter directly Interest, and no longer need users to provide relevant information multiple times to query, obtain equity information or payment to different network service platforms, which simplifies the efficiency of the trading system.
  • the embodiment of the present invention uses the clearing and clearing server to directly obtain the first accounting information based on the actual payment information and the first accounting ratio information, and the first accounting information includes the price information that the network service platform deserves. In order to achieve the completion of the current transaction, the accounting between the related entities is randomly completed, and the external clearing system is no longer required to separately import the confirmed actual payment information to perform the accounting of different entities, thereby improving the efficiency of the clearing system.
  • the payment amount of the consumption activity is first calculated by the acquirer to the merchant in the consumption activity, and then the network service platform participating in the consumption activity and the merchant confirm the actual payment information to avoid data error. Finally, a sub-accounting request is made to the acquirer (for example, a bank) based on the confirmation result. In this process, the request must be sent to the acquirer at least twice, and the acquirer must respond at least twice accordingly. In this way, when the transaction activity is frequent, it will put a heavy pressure on the acquirer's network bandwidth and processing power, and may not be able to respond in time due to insufficient bandwidth and processing power.
  • FIG. 1 is a schematic structural diagram of a data platform in an embodiment of the present invention.
  • the data platform 10 shown in FIG. 1 may include an entry information processing server 101, an activity information server 102, and a clearing and clearing server 103.
  • the portal information processing server 101 is adapted to receive transaction request information from the transaction terminal, and send the transaction request information to the activity information server via the equity information interface, where the transaction request information includes transaction information, identity information, a merchant identifier, and an equity channel. information.
  • the portal information processing server 101 is coupled to a plurality of transaction terminals.
  • the transaction information is information corresponding to a specific transaction target, and may include, for example, a transaction.
  • Total amount information may be the total amount of the transaction.
  • the equity amount information may be an amount that can enjoy the preferential interest, and may be calculated according to the setting of the merchant where the transaction terminal is located. For example, when the merchant where the transaction terminal is located can be discounted from the second item, the equity amount information is obtained by deducting the amount of the first item from the total amount of consumption.
  • the identity information is an identifier that uniquely identifies the identity of the user, and may be, for example, a document number, a mobile phone number, a bank card number, and a membership card number.
  • the transaction terminal may determine the identity information by identifying a user identification card.
  • the activity information server 102 may associate all identity information of the same user, or may generate a user ID for all identity information of the user for user identification and user management.
  • the identity information stored in the transaction system is a bank card number.
  • the bank card number can be associated with the mobile phone number, so that the transaction system can subsequently identify the bank of the user.
  • the card number is used to obtain the mobile phone number, and other identity information can also be obtained by identifying the user ID.
  • the merchant identifier is used to uniquely identify the offline entity merchant.
  • the merchant who installs the transaction terminal performs the filing of the terminal number and the merchant identifier on the acquirer (for example, a bank).
  • the rights channel information representation specifically provides a channel for the user to obtain a transaction preferential interest
  • the rights channel information may be different network platforms or path information pointing to different network platforms, for example, the preferential activity platform A provides specific consumption for the current merchant.
  • the preferential activity information of the consumer object, the preferential activity platform A is an equity channel information, and in another example, the equity channel information may also be a network platform of the bank.
  • the activity information server 102 is adapted to receive the transaction request information, query the equity information database according to the equity channel information and the identity information to determine whether the equity information corresponding to the identity information exists, and when the rights information exists And generating actual payment information according to the transaction information and the equity information, and transmitting the actual payment information to the transaction terminal, and sending the equity channel information and the information to the clearing and clearing server. Describe the merchant identification and the actual payment information.
  • the equity information stock stores the equity information provided by the different equity channels for the current consumption.
  • the first preferential activity platform can make a 20% discount on the current merchant B consumption fruit
  • the second preferential activity platform aims to consume the fruit in the current merchant B. You can get a 10% discount.
  • the discount offer in this example is the equity information and corresponds to the equity channel information.
  • the actual payment information may include an amount that the user actually needs to pay.
  • the equity information base may be located at a local server or a remote equity channel server of a network service platform that provides equity information.
  • the rights channel information representation specifically provides a channel for the user to obtain the preferential rights of the transaction
  • the different rights channel information may point to different equity information databases, and the identity information database is queried in combination with the identity information, and the activity information server 102 may determine that the user can enjoy The preferential benefits so that the actual payment information can be generated.
  • the clearing and clearing server 103 is adapted to query the first accounting ratio information base according to the equity channel information and the merchant identifier to generate first accounting ratio information, and the clearing clearing server sends the actual payment information and the first
  • the split ratio information is sent to the acquirer server pointed to by the transaction request information, and receives the first split information that the acquirer server feeds back based on the first split ratio information and the actual payment information.
  • the first split ratio information may include a split calculation formula between a merchant and a network platform body related to the current consumer service, and the split calculation formula may be preset according to a split protocol between platform entities, and stored in the first In the first accounting ratio information database, in the first accounting ratio information database, the rights channel information, the merchant identifier, and the first accounting ratio have a corresponding relationship, so that the rights channel information and the The merchant identifier queries the first accounting ratio information base to generate the first accounting ratio information.
  • the current merchant's logo is B
  • the current channel information of the current merchant's consumption fruit enjoys a 20% discount of the equity information
  • A (assuming the logo of the promotion platform is A)
  • the preferential activity platform A can extract 4% of the actual payment amount, and the current merchant B extracts 96% as the service subject.
  • the ratio drawn by the two parties is the first sub-lending ratio.
  • the above-mentioned equity channel information A is all set and stored in the first split ratio information base. Then, according to the merchant identification B and the equity channel information, the first division ratio information database is obtained to obtain the distribution ratio.
  • the acquirer server pointed to by the transaction request information receives the actual payment information and the first split ratio information
  • the merchant account corresponding to the merchant identifier is calculated according to the actual payment information and the first split ratio information.
  • the service price information and the price information of other network service platform entities For example, when the identity information is a bank card number, the acquirer server pointed to by the transaction request information is a network platform server of the bank, and the network platform server of the bank according to the split calculation formula corresponding to the first account split ratio information, 96% of the actual payment amount corresponding to the actual payment information is allocated to the current merchant's account, and 4% of the actual payment amount is allocated to the provided equity information (assuming 20% discount activity information in this example) ) The account of the offer platform. Thereby, the accounting is completed at the same time as the actual payment information is generated.
  • the data service platform of the embodiment of the present invention uses the activity information server to summarize the information of different network platforms, provides a unified portal for the transaction terminal, and can query the equity information corresponding to the identity information through a transaction request of the transaction terminal, so that the transaction terminal directly
  • the actual payment information is received, and the user is no longer required to provide relevant information multiple times to query different network service platforms, obtain equity information or pay, and simplify the efficiency of the transaction system.
  • the embodiment of the present invention uses the clearing and clearing server to directly obtain the first accounting information based on the actual payment information and the first accounting ratio information, and the first accounting information includes the price information that the network service platform deserves. In order to achieve the completion of the current transaction, the accounting between the related entities is randomly completed, and the external clearing system is no longer required to separately import the confirmed actual payment information to perform the accounting of different entities, thereby improving the efficiency of the clearing system.
  • FIG. 2 is a schematic structural diagram of an activity information server shown in FIG. 1.
  • Figure 2 The illustrated activity information server 102 can include:
  • the transaction request information receiving unit 2021 is adapted to receive the transaction request information sent via the equity information interface;
  • the determining unit 2022 is adapted to query the equity information database according to the rights channel information and the identity information to determine whether the rights information corresponding to the identity information exists.
  • the first actual payment information generating unit 2023 is adapted to generate the actual payment information according to the transaction information and the equity information when the rights information is present;
  • the sending unit 2024 is adapted to send the actual payment information to the transaction terminal, and send the equity channel information, the merchant identifier, and the actual payment information to the clearing and clearing server.
  • the determining unit 2022 may include:
  • a first search subunit configured to determine, in the equity information database, an equity information sub-library pointed by the equity channel information according to the equity channel information;
  • a second search subunit configured to query, in the equity information sub-database, the equity information associated with the identity information according to the identity information.
  • the equity information sub-library may be located in a remote equity channel server.
  • an equity information database including multiple equity information fonts may also be locally set.
  • the remote channel server may be a server of a merchant platform or a server of a preferential activity platform, for example, a server of a group purchase activity or a server of a bank network platform.
  • the equity channel information is a B channel
  • the identity information is a mobile phone number A
  • the equity information sub-directory pointed to by the B channel is determined in the equity information database according to the B channel.
  • the equity information associated with the mobile phone number A is queried in the equity information sub-library as a 20% discount.
  • FIG. 3 is a schematic structural diagram of a clearing and clearing server shown in FIG. 1.
  • FIG. Description will be made below with reference to Figs. 1 and 3.
  • the clearing and clearing server 103 can include:
  • the first accounting ratio information generating unit 3031 is configured to query the first accounting ratio information database according to the equity channel information and the merchant identifier to generate the first accounting ratio information;
  • the first accounting information generating unit 3032 is configured to send the actual payment information and the first accounting ratio information to the acquirer server, and receive the first accounting information fed back by the acquirer server based on the first accounting ratio information. .
  • the clearing and clearing server 103 may further include:
  • the second split ratio information calculation unit 3033 is adapted to query the second split ratio information base according to the equity channel information and the merchant identifier to generate second split ratio information;
  • the second accounting information generating unit 3034 is adapted to generate second accounting information according to the first accounting information and the second accounting ratio information.
  • the second split ratio information repository stores a plurality of split ratio information between the third party network service platforms connected to the activity information server 102, which may be a split ratio.
  • the first accounting ratio information includes only two parts, one part is a merchant platform main body, and the other part is a plurality of network service platforms as a whole.
  • the activity information server in the embodiment may also participate in the division of service considerations as a subject in the current consumption service, and the first preferential activity platform A also participates in the division of service considerations as a service subject, and this embodiment is
  • the data service platform main body and the first preferential activity platform A as a main body for dividing the first sub-accounting information, for example, in the first sub-dividing ratio, the merchant platform main body accounts for 96%, and the first preferential Active platform A and the data service platform body are extracted a total of four percent.
  • the second split ratio information calculation unit 1024 queries the second split ratio information base to obtain a second split ratio of one quarter and three quarters, which may be the service consideration extraction of the first preferential activity platform A.
  • the proportion accounts for three quarters, the data service
  • the main body of the platform is one quarter.
  • the second accounting ratio generating unit 1025 obtains according to the first accounting information and the second accounting ratio: the service consideration drawn by the first preferential activity platform A should be three-quarters of the four percent of the actual payment amount.
  • the service consideration for the main body of the data service platform is one-fourth of the four percent.
  • the second accounting information is obtained, so that when there are multiple network service platforms other than the merchant service platform, the first accounting information is obtained.
  • the plurality of network service platforms are further divided according to the first sub-accounting information, so that the service considerations of the plurality of network service platforms are randomly divided when the transaction is completed, and no need to cross the consumption, confirm the actual payment information, and After the first sub-accounting information, the clearing points can be obtained, and the confirmed first sub-ledger information is not required to be re-introduced into the independent clearing system for accounting, thereby improving the efficiency of the clearing system.
  • the clearing and clearing server 103 may further include an equity amount redemption unit 3035, which is adapted to redeem the equity amount for the merchant account corresponding to the merchant identifier according to the equity information.
  • the equity amount redemption unit 3025 is adapted to perform the redemption of the equity amount according to the equity information corresponding to the merchant account corresponding to the merchant identifier.
  • the equity information is information that affects the actual payment information, and may be, for example, a discount, a deduction, etc., and the equity information may be obtained by a second search subunit included in the judging unit 2022 shown in FIG. 2.
  • the channel for bringing the equity information may be a banking service platform or other third-party preferential activity platform, and the equity information provided by these platforms has an impact on the actual payment information, so that the user enjoys the preferential treatment.
  • the channel entity that brings the interest information can convert the preferential interest into an account of the equity amount paid to the merchant platform.
  • the equity information corresponding to the first preferential platform A is a 20% discount
  • the total transaction amount is 100 yuan
  • the equity information corresponding to the 20% discount is 20 yuan
  • the clearing and clearing server is the first Offer platform A redeems the equity amount to the account of the current merchant platform.
  • the channel for bringing the equity information may also be a banking service platform
  • the clearing and clearing server is the account of the banking service platform that brings the equity information to the current transaction.
  • the household shall pay the equity amount according to the equity information.
  • the equity amount redemption unit by setting the equity amount redemption unit, the equity amount corresponding to the equity information associated with the current transaction is directly redeemed to the merchant's account, so that the payment cannot be made over the consumption and the confirmed equity amount, thereby improving the efficiency of the clearing and clearing system.
  • FIG. 4 is a schematic structural diagram of another data platform in the embodiment of the present invention. As shown in the data platform 40 of FIG. 4, the activity information server 102 shown in FIG. 2 and the clearing and clearing server 103 shown in FIG. 3 are employed. among them:
  • the activity information server 102 includes a transaction request information receiving unit 2021, a determination unit 2022, a first actual payment information generation unit 2023, and a transmission unit 2024.
  • the specific implementation of the activity information server 102 refers to the description in FIG. 2 and will not be described again.
  • the clearing and clearing server 103 includes a first billing ratio information generating unit 3031, an acquirer backstage server interface 3032, a second billing ratio information calculating unit 3033, a second billing ratio recording unit 3034, and an equity amount redempting unit 3035.
  • the specific implementation of the clearing and clearing server 103 can be referred to the description in FIG. 3 and will not be described again.
  • the portal information processing server 401 may include:
  • the receiving unit 4011 is adapted to receive transaction request information from the transaction terminal;
  • the rights information interface 4012, the rights information interface 4012 includes an activity information interface 41, and the activity information interface 41 is adapted to send the transaction request information to the activity information server 102.
  • the equity information interface 4012 may further include a merchant member management system interface 42;
  • the merchant member management system interface 42 is adapted to send the identity information and the transaction information to the merchant member management system, and receive the redemption information that the merchant member management system feeds back based on the transaction request information.
  • the merchant member management system is an external independent management system, which can be used for deduction The actual payment amount of the household, etc., thus affecting the actual payment information.
  • it may be a point management system of a hotel accommodation member, and the points in the user credit account may be used to deduct a part of the actual payment amount, so that the actual payment amount may change.
  • the merchant member management system interface 42 is further adapted to convert the identity information into index member identity information that matches the merchant member management system, and send the index member identity information and the transaction information. To the merchant member management system.
  • the index member identity information of the hotel accommodation member management system is a member ID number set by the system for the member, and the member ID number can be used to query the points in the user credit account, the membership level, and the like.
  • the transaction terminal identifies that the identity information of the current user is a mobile phone number, and the merchant member management system interface 42 can convert the mobile phone number into the member ID number of the user.
  • the rights information interface may also include other interfaces, corresponding to other external independent network platforms that affect the actual payment information, so that the actual payment information finally sent to the transaction terminal can be obtained.
  • the embodiment of the present invention is connected to other network platforms through the equity information interface 4012, thereby unifying the entry of the transaction request information, simplifying the operation of the transaction terminal, and improving the efficiency of the network transaction.
  • the activity information server 102 may recalculate the actual payment information according to the transaction information, the equity information, and the redemption information.
  • the redemption information may be an exchange amount.
  • the hotel accommodation member management system receives the total amount of the mobile phone number transaction from the merchant member management system interface 42 and obtains the exchange amount, and feeds back the exchange amount to the activity information server 102, the activity information server. 102 According to the total transaction amount, the equity information (assumed to be a 20% discount) and the exchange amount, the actual payment information is recalculated, and the actual payment information is sent to the transaction terminal.

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Abstract

一种数据平台，包括：入口信息处理服务器，接收来自交易终端的交易请求信息，发送交易请求信息至活动信息服务器，交易请求信息包括交易信息、身份信息、商户标识以及权益渠道信息；活动信息服务器，根据权益渠道信息和身份信息查询权益信息库判断是否存在身份信息对应的权益信息，存在时根据交易信息和权益信息生成实际支付信息，向交易终端发送实际支付信息，并向清分清算服务器发送权益渠道信息、商户标识和实际支付信息；清分清算服务器，根据权益渠道信息和商户标识查询第一分账比例信息库，以生成第一分账比例信息，发送实际支付信息和第一分账比例信息至收单方服务器，并接收第一分账信息。上述方案可提供交易以及清分系统的效率。

Description

一种数据平台
本申请要求2016年01月29日提交中国专利局、申请号为201610067399.4、发明名称为“一种数据平台”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及网络技术领域，特别涉及一种数据平台。
背景技术
随着网络技术的发展，越来越多的服务通过网络来提供，其中，通过网络平台来处理用户的消费操作，用户基于网络平台提供的有关消费标的的信息进行查询、预约或购买，为促进用户进行交易，可能存在互相连接的多个网络平台以共同服务于用户对一特定消费对象的交易请求。例如，商家的网络平台、第三方活动优惠平台和收单方平台之间互相连接，共同促成一笔交易的完成。与此同时，基于用户的消费行为，在实际完成交易后，还存在多方网络服务平台进行服务对价的划分的需求，在实际应用中，需要在交易后通过另一独立的清分系统，或者人工来对交易服务的对价进行分账。
然而，现有交易活动涉及多方网络平台，交易以及清分的效率较低。
发明内容
本发明解决的技术问题是提供一种数据平台，提高交易以及清分系统的效率。
为解决上述技术问题，本发明实施例提供一种数据平台，所述数据平台包括：
入口信息处理服务器，适于接收来自交易终端的交易请求信息，并经权益信息接口发送所述交易请求信息至活动信息服务器，所述交易请求信息包括交易信息、身份信息、商户标识以及权益渠道信息；
所述活动信息服务器，适于接收所述交易请求信息，根据所述权益渠道信息以及所述身份信息查询权益信息库以判断是否存在所述身份信息对应的权益信息，当存在所述权益信息时，根据所述交易信息和所述权益信息生成实际支付信息，并向所述交易终端发送所述实际支付信息，以及向清分清算服务器发送所述权益渠道信息、所述商户标识和所述实际支付信息；
清分清算服务器，适于根据所述权益渠道信息和所述商户标识查询第一分账比例信息库，以生成第一分账比例信息，所述清分清算服务器发送所述实际支付信息和第一分账比例信息至所述交易请求信息指向的收单方服务器，并接收所述收单方服务器基于所述第一分账比例信息和所述实际支付信息反馈的第一分账信息。
可选地，所述入口信息处理服务器包括：
接收单元，适于接收来自所述交易终端的交易请求信息；
权益信息接口，所述权益信息接口包括活动信息接口，所述活动信息接口适于发送所述交易请求信息至所述活动信息服务器。
可选地，所述活动信息服务器包括：
交易请求信息接收单元，适于接收经由所述权益信息接口发送的所述交易请求信息；
判断单元，适于根据所述权益渠道信息以及所述身份信息查询权益信息库，以判断是否存在所述身份信息对应的权益信息；
实际支付信息生成单元，适于当存在所述权益信息时，根据所述交易信息和所述权益信息生成所述实际支付信息；
发送单元，适于向所述交易终端发送所述实际支付信息，并向清分清算服务器发送所述权益渠道信息、所述商户标识和所述实际支付信息。
可选地，所述判断单元包括：
第一查找子单元，适于根据所述权益渠道信息在所述权益信息库中确定由所述权益渠道信息指向的权益信息子库；
第二查找子单元，适于根据所述身份信息，在所述权益信息子库中查询与所述身份信息关联的权益信息。
可选地，所述权益信息库为本地权益信息库。
可选地，所述权益信息子库位于远程权益渠道服务器。
可选地，所述权益信息接口还包括商户会员管理系统接口，所述商户会员管理系统接口适于发送所述身份信息和所述交易信息至商户会员管理系统，并接收所述商户会员管理系统基于所述交易请求信息反馈的兑换信息。
可选地，所述商户会员管理系统接口还适于将所述身份信息转换为与所述商户会员管理系统匹配的索引会员身份信息，并发送所述索引会员身份信息与所述交易信息至所述商户会员管理系统。
可选地，所述活动信息服务器根据所述交易信息、权益信息和兑换信息生成所述实际支付信息。
可选地，所述清分清算服务器包括：
权益金额兑付单元，适于按照所述权益信息为所述商户标识对应的商户账户兑付权益金额。
可选地，所述清分清算服务器包括：
第一分账比例信息生成单元，适于根据所述权益渠道信息和所述商户标识查询第一分账比例信息库，以生成所述第一分账比例信息；
第一分账信息生成单元，适于向所述收单方服务器发送所述实际支付信息和第一分账比例信息，并接收所述收单方服务器基于所述第一分账比例信息反馈的第一分账信息。
可选地，所述清分清算服务器还包括：
第二分账比例信息计算单元，适于根据所述权益渠道信息和所述商户标识查询第二分账比例信息库，以生成第二分账比例信息；
第二分账信息生成单元，适于根据所述第一分账信息和所述第二分账比例信息生成第二分账信息。
可选地，所述交易信息包括交易总金额和权益金额信息。
与现有技术相比，本发明实施例的技术方案具有以下有益效果：
本发明实施例通过所述入口信息服务平台接收和发送来自交易终端的交易请求信息，所述交易请求信息包括交易信息、身份信息、商户标识以及权益渠道信息，所述活动信息服务器根据权益渠道信息以及所述身份信息判断是否存在权益信息，当存在所述权益信息时，根据所述交易信息和所述权益信息生成实际支付信息，并发送于交易终端。与此同时，清分清算服务器根据所述权益渠道信息和所述商户标识生成第一分账比例信息，发送所述第一分账比例信息和实际支付信息至收单方服务器，以及接受收单方给服务器所述第一分账比例信息和所述实际支付信息反馈的第一分账信息。由此可见，本发明实施例的数据服务平台利用活动信息服务器对不同网络平台的信息进行汇总，为交易终端提供统一的入口，通过交易终端的一次交易请求即可查询身份信息对应的权益信息，使交易终端直接接收到实际支付信息，而不再需要用户多次提供相关信息分别向不同的网络服务平台进行查询、获取权益信息或者支付，简化了交易系统的效率。与此同时，本发明实施例利用清分清算服务器直接基于实际支付信息和第一分账比例信息经由收单方服务器得到第一分账信息，所述第一分账信息包含了网络服务平台应得的对价信息，从而实现在当前交易完成的同时随机完成了相关主体间的分账，不再需要外部的清分系统单独导入确认后的实际支付信息来进行不同主体的分账，提高清分系统的效率。
附图说明
图1是本发明实施例中的一种数据平台的结构示意图；
图2是图1中所示的活动信息服务器的结构示意图；
图3是图1中所示的清分清算服务器的结构示意图；
图4是本发明实施例中的另一种数据平台的结构示意图。
具体实施方式
如背景技术所言，为促进用户进行交易，可能存在互相连接的多个网络平台以共同服务于用户对一特定消费对象的交易请求。例如，商家的网络平台、第三方活动优惠平台和收单方平台之间互相连接，共同促成一笔交易的完成。与此同时，基于用户的消费行为，在实际完成交易后，还存在多方网络服务平台进行服务对价的划分的需求，在实际应用中，需要在交易后通过另一独立的清分系统，或者人工来对交易服务的对价进行分账。
然而，现有交易活动涉及多方网络平台，交易以及清分的效率较低。
本发明实施例通过所述入口信息服务平台接收和发送来自交易终端的交易请求信息，所述交易请求信息包括交易信息、身份信息、商户标识以及权益渠道信息，所述活动信息服务器根据权益渠道信息以及所述身份信息判断是否存在权益信息，当存在所述权益信息时，根据所述交易信息和所述权益信息生成实际支付信息，并发送于交易终端。与此同时，清分清算服务器根据所述权益渠道信息和所述商户标识生成第一分账比例信息，发送所述第一分账比例信息和实际支付信息至收单方服务器，以及接受收单方给服务器所述第一分账比例信息和所述实际支付信息反馈的第一分账信息。由此可见，本发明实施例的数据服务平台利用活动信息服务器对不同网络平台的信息进行汇总，为交易终端提供统一的入口，通过交易终端的一次交易请求即可查询身份信息对应的权益信息，使交易终端直接接收到实际支付信 息，而不再需要用户多次提供相关信息分别向不同的网络服务平台进行查询、获取权益信息或者支付，简化了交易系统的效率。与此同时，本发明实施例利用清分清算服务器直接基于实际支付信息和第一分账比例信息经由收单方服务器得到第一分账信息，所述第一分账信息包含了网络服务平台应得的对价信息，从而实现在当前交易完成的同时随机完成了相关主体间的分账，不再需要外部的清分系统单独导入确认后的实际支付信息来进行不同主体的分账，提高清分系统的效率。
更进一步而言，现有技术中通常是先通过收单方将消费活动的支付金额清分计算给消费活动中的商户，然后参与消费活动的网络服务平台与商户确认实际支付信息以避免数据出错，最后根据确认结果向收单方(例如银行)提出分账请求。在此过程中，至少需要两次向收单方发送请求，收单方相应地至少要响应两次。采用这样的方式，当交易活动频繁时，会对收单方的网络带宽和处理能力带来沉重压力，可能会由于带宽和处理能力不足而导致无法及时响应。
为使本发明的上述目的、特征和有益效果能够更为明显易懂，下面结合附图对本发明的具体实施例做详细的说明。
图1是本发明实施例中的一种数据平台的结构示意图。如图1所示的数据平台10可以包括：入口信息处理服务器101、活动信息服务器102和清分清算服务器103。
入口信息处理服务器101，适于接收来自交易终端的交易请求信息，并经权益信息接口发送所述交易请求信息至活动信息服务器，所述交易请求信息包括交易信息、身份信息、商户标识以及权益渠道信息。
在具体实施中，所述入口信息处理服务器101与多个交易终端耦接。
所述交易信息为对应于具体交易标的的信息，例如可以包括交易 总金额信息和权益金额信息。其中交易总金额信息可以是本次交易的总金额。权益金额信息可以是能够享受优惠权益的金额，具体可以根据所述交易终端所在的商户的设置进行计算获得。例如，当所述交易终端所在的商户设定从第二件商品起可打折时，权益金额信息则需从消费总金额中扣除第一件商品的金额后得到。
所述身份信息为唯一识别用户身份的标识，例如可以是证件号码、手机号码、银行卡号和会员卡号等。在具体实施中，所述交易终端可以通过识别用户标识卡来确定所述身份信息。
在具体实施中，所述活动信息服务器102可以将同一用户的所有身份信息进行关联，也可以对应该用户的所有身份信息生成一个用户ID，以便用户识别和用户管理。例如，交易系统中存储的身份信息为银行卡号，当交易系统获取同一用户的手机号码时，可以将所述银行卡号与所述手机号码进行关联，从而使得交易系统后续可以通过识别该用户的银行卡号来获取手机号，也可以通过识别用户ID获取其他的身份信息。
所述商户标识用于唯一标识线下实体商户，一般来说，安装所述交易终端的商户都在收单方(例如银行)进行了终端号和商户标识的备案。
所述权益渠道信息表征具体能为用户带来交易优惠权益的渠道，所述权益渠道信息可以是不同的网络平台或者指向不同网络平台的路径信息，例如优惠活动平台A提供针对在当前商户消费具体消费对象的优惠活动信息，所述优惠活动平台A即为一权益渠道信息，在另一实例中，所述权益渠道信息还可以是银行的网络平台。
所述活动信息服务器102，适于接收所述交易请求信息，根据所述权益渠道信息以及所述身份信息查询权益信息库以判断是否存在所述身份信息对应的权益信息，当存在所述权益信息时，根据所述交易信息和所述权益信息生成实际支付信息，并向所述交易终端发送所述实际支付信息，以及向清分清算服务器发送所述权益渠道信息、所 述商户标识和所述实际支付信息。
所述权益信息库存储了不同的权益渠道为当前消费提供的权益信息，例如第一优惠活动平台针对在当前商户B消费水果可以打八折优惠，第二优惠活动平台针对在当前商户B消费水果可以打九折优惠，本例中的折扣优惠即为所述权益信息，并与所述权益渠道信息对应。
所述实际支付信息可以包括用户实际需要支付的金额。
所述权益信息库可以位于本地的服务器，也可以位于提供权益信息的网络服务平台的远程权益渠道服务器。
由于权益渠道信息表征具体能为用户带来交易优惠权益的渠道，不同的权益渠道信息可以指向不同的权益信息库，结合身份信息查询所述权益信息库，活动信息服务器102可以确定该用户可以享受的优惠权益，从而可以生成实际支付信息。
清分清算服务器103，适于根据所述权益渠道信息和所述商户标识查询第一分账比例信息库，以生成第一分账比例信息，所述清分清算服务器发送所述实际支付信息和第一分账比例信息至所述交易请求信息指向的收单方服务器，并接收所述收单方服务器基于所述第一分账比例信息和所述实际支付信息反馈的第一分账信息。
所述第一分账比例信息可以包括商户与当前消费服务相关的网络平台主体间的分润计算公式，所述分润计算公式可以根据平台主体间的分润协议预先设置，并存储于所述第一分账比例信息库中，在所述第一分账比例信息库中，所述权益渠道信息、所述商户标识以及所述第一分账比例存在对应关系，从而可以根据所述权益渠道信息和所述商户标识查询第一分账比例信息库，以生成第一分账比例信息。
例如，当前商户的标识为B，提供当前商户的消费水果享受八折优惠这一权益信息的所述权益渠道信息为A(假设该优惠活动平台的标识为A)，而该优惠活动平台A与当前商户B之间存在分润协议， 优惠活动平台A可从实际支付金额中抽取百分之四，当前商户B作为服务主体抽取百分之九十六，双方抽取的比例即为所述第一分账比例，本例中上述权益渠道信息A、商户标识B和第一分账比例以及三和的对应关系均已设置并存储于所述第一分账比例信息库中。那么，根据商户标识B和权益渠道信息查询第一分账比例信息库得到分润比例。
在具体实施中，当所述交易请求信息指向的收单方服务器接收到所述实际支付信息和所述第一分账比例信息时，根据实际支付信息和第一分账比例信息计算商户标识对应的商户账户的服务对价信息以及其他网络服务平台主体的对价信息。例如，当所述身份信息为银行卡号时，所述交易请求信息指向的收单方服务器为银行的网络平台服务器，银行的网络平台服务器按照所述第一分账比例信息对应的分润计算公式，将所述实际支付信息对应的实付金额的百分之九十六划分给当前商户的账户，而将实付金额的百分之四划分给提供权益信息(假设本例中为八折优惠活动信息)的优惠活动平台的账户。从而实现在产生实际支付信息的同时，随即完成了分账。
本发明实施例的数据服务平台利用活动信息服务器对不同网络平台的信息进行汇总，为交易终端提供统一的入口，通过交易终端的一次交易请求即可查询身份信息对应的权益信息，使交易终端直接接收到实际支付信息，而不再需要用户多次提供相关信息分别向不同的网络服务平台进行查询、获取权益信息或者支付，简化了交易系统的效率。与此同时，本发明实施例利用清分清算服务器直接基于实际支付信息和第一分账比例信息经由收单方服务器得到第一分账信息，所述第一分账信息包含了网络服务平台应得的对价信息，从而实现在当前交易完成的同时随机完成了相关主体间的分账，不再需要外部的清分系统单独导入确认后的实际支付信息来进行不同主体的分账，提高清分系统的效率。
图2是图1中所示的一种活动信息服务器的结构示意图。如图2 所示的活动信息服务器102可以包括：
交易请求信息接收单元2021，适于接收经由所述权益信息接口发送的所述交易请求信息；
判断单元2022，适于根据所述权益渠道信息以及所述身份信息查询权益信息库，以判断是否存在所述身份信息对应的权益信息；
第一实际支付信息生成单元2023，适于当存在所述权益信息时，根据所述交易信息和所述权益信息生成所述实际支付信息；
发送单元2024，适于向所述交易终端发送所述实际支付信息，并向清分清算服务器发送所述权益渠道信息、所述商户标识和所述实际支付信息。
在具体实施中，所述判断单元2022可以包括：
第一查找子单元，适于根据所述权益渠道信息在所述权益信息库中确定由所述权益渠道信息指向的权益信息子库；
第二查找子单元，适于根据所述身份信息，在所述权益信息子库中查询与所述身份信息关联的权益信息。
在具体实施中，所述权益信息子库可以位于远程权益渠道服务器，为提高系统的效率，也可以在本地设置包含多个权益信息字库的权益信息库。所述远程渠道服务器可以是商户平台的服务器，也可以是优惠活动平台的服务器，例如可以是团购活动的服务器或银行网络平台的服务器。
例如，交易终端发送的所述交易请求信息中，所述权益渠道信息为B渠道，所述身份信息为手机号码A，根据B渠道在所述权益信息库中确定B渠道指向的权益信息子库，再结合手机号码A在所述权益信息子库中查询与手机号码A关联的权益信息为八折优惠。
图3是图1中所示的一种清分清算服务器的结构示意图。下面结合图1和图3进行说明。
所述清分清算服务器103可以包括：
第一分账比例信息生成单元3031，适于根据所述权益渠道信息和所述商户标识查询第一分账比例信息库，以生成所述第一分账比例信息；
第一分账信息生成单元3032，适于向所述收单方服务器发送所述实际支付信息和第一分账比例信息，并接收所述收单方服务器基于所述第一分账比例信息反馈的第一分账信息。
在本发明的另一实施例中，所述清分清算服务器103还可以包括：
第二分账比例信息计算单元3033，适于根据所述权益渠道信息和所述商户标识查询第二分账比例信息库，以生成第二分账比例信息；
第二分账信息生成单元3034，适于根据所述第一分账信息和所述第二分账比例信息生成第二分账信息。
所述第二分账比例信息库存储了多个与所述活动信息服务器102相连的第三方网络服务平台之间的分账比例信息，可以是分润比例。
在本实施例中，所述第一分账比例信息仅包括两个部分，其中一部分为商户平台主体，另一部分为作为整体的多个网络服务平台。例如本实施例中的所述活动信息服务器也可以作为本次消费服务中的一个主体参与服务对价的划分，而第一优惠活动平台A也作为一个服务主体参与服务对价的划分，将本实施例中的所述数据服务平台主体和所述第一优惠活动平台A作为一个划分第一分账信息的主体，比如第一分账比例中，商户平台主体占百分之九十六，所述第一优惠活动平台A和所述数据服务平台主体共抽取百分之四。
进一步地，第二分账比例信息计算单元1024查询第二分账比例信息库，得到四分之一和四分之三这一第二分账比例，可以是所述第一优惠活动平台A的服务对价抽取比例占据四分之三，所述数据服 务平台主体占据四分之一。那么第二分账比例生成单元1025根据第一分账信息和第二分账比例得到：所述第一优惠活动平台A抽取的服务对价应为实际支付金额的百分之四中的四分之三，所述数据服务平台主体抽取的服务对价为百分之四中的四分之一。
本实施例中，通过设置第二分账比例信息计算单元和第二分账信息生成单元，得到第二分账信息，从而在存在除商家服务平台以外的多个网络服务平台时，在获得第一分账信息后，进一步为多个网络服务平台按照所述第一分账信息进行分账，从而让多个网络服务平台的服务对价在完成交易时随机得到了清分，不需要再跨越消费、确认实际支付信息和第一分账信息后才能获得清分，也不需要再重新将确认后的第一分账信息导入独立的清分系统进行分账，提高了清分系统的效率。
在具体实施中，所述清分清算服务器103还可以包括权益金额兑付单元3035，适于按照所述权益信息为所述商户标识对应的商户账户兑付权益金额。
所述权益金额兑付单元3025，适于按照所述权益信息为所述商户标识对应的商户账户进行兑付权益金额。所述权益信息是对实际支付信息产生影响的信息，例如可以是折扣、抵扣等，所述权益信息可以由图2中所示的判断单元2022所包括的第二查找子单元得到。带来所述权益信息的渠道可以是银行服务平台或者其他第三方优惠活动平台，这些平台提供的权益信息对实际支付信息产生了影响，让用户享受了优惠。另一方面，带来所述权益信息的渠道主体可以将优惠的权益转换为权益金额兑付给商户平台的账户。例如，第一优惠平台A对应的权益信息为享受八折优惠，交易总金额为100元，八折优惠这一权益信息对应权益金额为20元，那么所述清分清算服务器为所述第一优惠平台A将权益金额兑付给当前商户平台的账户。在实际应用场景中，带来所述权益信息的渠道也可能是银行服务平台，则所述清分清算服务器为给当前交易带来权益信息的银行服务平台的账 户按照所述权益信息兑付权益金额。
本实施例通过设置权益金额兑付单元，直接基于当前的交易关联的权益信息对应的权益金额兑付给商户的账户，从而不需要跨越消费和确认权益金额才能进行兑付，提高了清分清算系统的效率。
图4是本发明实施例中的另一种数据平台的结构示意图。如图4所示的数据平台40，采用图2中所示的活动信息服务器102和图3中所示的清分清算服务器103。其中：
活动信息服务器102包括交易请求信息接收单元2021、判断单元2022，第一实际支付信息生成单元2023和发送单元2024。所述活动信息服务器102的具体实施参照图2中的说明，不再赘述。
清分清算服务器103包括第一分账比例信息生成单元3031、收单方后台服务器接口3032、第二分账比例信息计算单元3033，第二分账比例记录单元3034和权益金额兑付单元3035。
所述清分清算服务器103的具体实施可参照图3中的说明，不再赘述。
本实施例中，所述入口信息处理服务器401可以包括：
接收单元4011，适于接收来自所述交易终端的交易请求信息；
权益信息接口4012，所述权益信息接口4012包括活动信息接口41，所述活动信息接口41适于发送所述交易请求信息至所述活动信息服务器102。
在本实施例中，权益信息接口4012还可以包括商户会员管理系统接口42；
所述商户会员管理系统接口42适于发送所述身份信息和所述交易信息至商户会员管理系统，并接收所述商户会员管理系统基于所述交易请求信息反馈的兑换信息。
所述商户会员管理系统为外部独立的管理系统，可以用于抵扣用 户的实际支付金额等，从而对是实际支付信息产生影响。例如可以是酒店住宿会员的积分管理系统，用户积分账户中的积分可以用于抵扣部分实际支付金额，从而实际支付的金额会发生变化。
在具体实施中，所述商户会员管理系统接口42还适于将所述身份信息转换为与所述商户会员管理系统匹配的索引会员身份信息，并发送所述索引会员身份信息与所述交易信息至所述商户会员管理系统。
例如，所述酒店住宿会员管理系统的索引会员身份信息为该系统为会员设置的会员ID号，通过该会员ID号可以查询用户积分账户中的积分以及会员等级等。在实际通过交易终端支付时，交易终端识别当前用户的身份信息为手机号，则所述商户会员管理系统接口42可以将手机号转换为用户的会员ID号。
需要指出的是，所述权益信息接口还可以包括其他接口，对应与其他外部独立的对实际支付信息产生影响的网络平台相连，从而可以得到最终向交易终端发送的实际支付信息。本发明实施例通过权益信息接口4012与其他网络平台相连，从而统一交易请求信息的入口，简化了交易终端的操作，提高网络交易的效率。
所述活动信息服务器102可以根据所述交易信息、权益信息和兑换信息重新计算所述实际支付信息。所述兑换信息可以是兑换金额。
继续使用上述例子进行说明，酒店住宿会员管理系统接收到来自商户会员管理系统接口42的手机号码交易总金额后，得到兑换金额，并反馈所述兑换金额至活动信息服务器102，所述活动信息服务器102根据交易总金额、权益信息(假设为八折优惠)和兑换金额，重新计算实际支付信息，并发送实际支付信息至交易终端。
本领域普通技术人员可以理解上述实施例的各种方法中的全部或部分步骤是可以通过程序来指令相关的硬件来完成，该程序可以存储于计算机可读存储介质中，存储介质可以包括：ROM、RAM、磁 盘或光盘等。
以上对本发明实施例的方法及系统做了详细的介绍，本发明并不限于此。任何本领域技术人员，在不脱离本发明的精神和范围内，均可作各种更动与修改，因此本发明的保护范围应当以权利要求所限定的范围为准。

Claims (13)

  1. 一种数据平台，其特征在于，包括：
    入口信息处理服务器，适于接收来自交易终端的交易请求信息，并经权益信息接口发送所述交易请求信息至活动信息服务器，所述交易请求信息包括交易信息、身份信息、商户标识以及权益渠道信息；
    所述活动信息服务器，适于接收所述交易请求信息，根据所述权益渠道信息以及所述身份信息查询权益信息库以判断是否存在所述身份信息对应的权益信息，当存在所述权益信息时，根据所述交易信息和所述权益信息生成实际支付信息，并向所述交易终端发送所述实际支付信息，以及向清分清算服务器发送所述权益渠道信息、所述商户标识和所述实际支付信息；
    清分清算服务器，适于根据所述权益渠道信息和所述商户标识查询第一分账比例信息库，以生成第一分账比例信息，所述清分清算服务器发送所述实际支付信息和第一分账比例信息至所述交易请求信息指向的收单方服务器，并接收所述收单方服务器基于所述第一分账比例信息和所述实际支付信息反馈的第一分账信息。
  2. 根据权利要求1所述的数据平台，其特征在于，所述入口信息处理服务器包括：
    接收单元，适于接收来自所述交易终端的交易请求信息；
    权益信息接口，所述权益信息接口包括活动信息接口，所述活动信息接口适于发送所述交易请求信息至所述活动信息服务器。
  3. 根据权利要求2所述的数据平台，其特征在于，所述活动信息服务器包括：
    交易请求信息接收单元，适于接收经由所述权益信息接口发送的所述交易请求信息；
    判断单元，适于根据所述权益渠道信息以及所述身份信息查询权益信息库，以判断是否存在所述身份信息对应的权益信息；
    实际支付信息生成单元，适于当存在所述权益信息时，根据所述交易信息和所述权益信息生成所述实际支付信息；
    发送单元，适于向所述交易终端发送所述实际支付信息，并向清分清算服务器发送所述权益渠道信息、所述商户标识和所述实际支付信息。
  4. 根据权利要求3所述的数据平台，其特征在于，所述判断单元包括：
    第一查找子单元，适于根据所述权益渠道信息在所述权益信息库中确定由所述权益渠道信息指向的权益信息子库；
    第二查找子单元，适于根据所述身份信息，在所述权益信息子库中查询与所述身份信息关联的权益信息。
  5. 根据权利要求4所述的数据平台，其特征在于，所述权益信息库为本地权益信息库。
  6. 根据权利要求4所述的数据平台，其特征在于，所述权益信息子库位于远程权益渠道服务器。
  7. 根据权利要求2所述的数据平台，其特征在于，所述权益信息接口还包括商户会员管理系统接口，所述商户会员管理系统接口适于发送所述身份信息和所述交易信息至商户会员管理系统，并接收所述商户会员管理系统基于所述交易请求信息反馈的兑换信息。
  8. 根据权利要求7所述的数据平台，其特征在于，所述商户会员管理系统接口还适于将所述身份信息转换为与所述商户会员管理系统匹配的索引会员身份信息，并发送所述索引会员身份信息与所述交易信息至所述商户会员管理系统。
  9. 根据权利要求7所述的数据平台，其特征在于，所述活动信息服务器根据所述交易信息、权益信息和兑换信息生成所述实际支付信息。
  10. 根据权利要求1至9任一项所述的数据平台，其特征在于，所述清分清算服务器包括：
    权益金额兑付单元，适于按照所述权益信息为所述商户标识对应的商户账户兑付权益金额。
  11. 根据权利要求1至9任一项所述的数据平台，其特征在于，所述清分清算服务器包括：
    第一分账比例信息生成单元，适于根据所述权益渠道信息和所述商户标识查询第一分账比例信息库，以生成所述第一分账比例信息；
    第一分账信息生成单元，适于向所述收单方服务器发送所述实际支付信息和第一分账比例信息，并接收所述收单方服务器基于所述第一分账比例信息反馈的第一分账信息。
  12. 根据权利要求11所述的数据平台，其特征在于，所述清分清算服务器还包括：
    第二分账比例信息计算单元，适于根据所述权益渠道信息和所述商户标识查询第二分账比例信息库，以生成第二分账比例信息；
    第二分账信息生成单元，适于根据所述第一分账信息和所述第二分账比例信息生成第二分账信息。
  13. 根据权利要求1所述的数据平台，其特征在于，所述交易信息包括交易总金额和权益金额信息。
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