CN112116340A - Account distribution method and system based on bank merchant order receiving mode - Google Patents
Account distribution method and system based on bank merchant order receiving mode Download PDFInfo
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Abstract
The invention provides an account distribution method and system based on a bank merchant receipt mode, wherein the method comprises the following steps: receiving order information sent by an application system of a consumer market operator; allocating funds with the same amount as the order amount to a monitoring account according to the order amount in the order information and account information of the payment account to complete the transaction; and determining a corresponding splitting mode according to merchant information corresponding to the order information, determining splitting information of the settlement accounts according to the splitting mode, and dividing funds in the supervision accounts into the settlement accounts according to the splitting information.
Description
Technical Field
The invention relates to the technical field of transaction payment, in particular to an account distribution method and system based on a bank merchant acquiring mode.
Background
At present, most of merchant groups in the consumer market are in the conditions of decentralized operation and respective payment collection, with the wide application of internet e-commerce and mobile payment, the scene of mutual integration of off-line service and on-line transaction is more and more, and the merchant groups in the respective decentralized operation gradually get together with consumer market operators with both customer influence and brand strength in the merchant bill collection market. Under the new situation, the demands of the merchants on the unified payment and the multi-party billing of all the participants in the bill-receiving market are more vigorous. The bill and collection participants in the consumer market can be divided into two categories.
The first category is the operator of the consumer market: a centralized transaction platform is provided for the consumer and the various distributed merchants as the subject of facilitating the consumer to reach a transaction with the merchant in the hope of obtaining a draw rebate in each transaction. Another class is merchant/sellers of consumer markets: based on a centralized transaction platform provided by a consumer market operator, goods or services are provided for consumers. However, most of the existing branch account technologies limit the branch account participants and the branch account amount during payment, cannot cope with the change of objective factors of the market, and cannot flexibly customize the branch account service according to market demands. Therefore, both consumer market operators and merchants have a lot of pain points and appeal, and urgent needs are met. For example, the market manager has the problems of no license plate, hard account separation, low efficiency, difficult account checking and the like. The merchant has the difficulties of slow money return, difficult financing, worrying about fund being stolen, and the like.
Disclosure of Invention
The invention aims to provide an account distribution method based on an order receiving mode of a bank merchant, which determines an account distribution mode according to the actual conditions of an operator and order transaction and realizes flexible account distribution according to different account distribution modes. The invention also aims to provide a billing system based on the bank merchant acquiring mode. It is a further object of this invention to provide such a computer apparatus. It is a further object of this invention to provide such a readable medium.
In order to achieve the above purpose, the invention discloses an account distribution method based on a bank merchant acquiring mode on one hand, which comprises the following steps:
receiving order information sent by an application system of a consumer market operator;
allocating funds with the same amount as the order amount to a monitoring account according to the order amount in the order information and account information of the payment account to complete the transaction;
and determining a corresponding branch accounting mode according to the merchant information corresponding to the order information, determining branch accounting information of the settlement accounts according to the branch accounting mode, and allocating funds in the supervision accounts to each settlement account according to the branch accounting information.
Preferably, the receiving the order information sent by the consumer market operator application system specifically includes:
performing admission verification on the consumer market operator application system according to the order information;
and if the verification is successful, carrying out payment transaction registration on the order information.
Preferably, the accounting mode includes an instruction accounting mode, a payment accounting mode and a parameter accounting mode.
Preferably, when the accounting mode is the instruction accounting mode, determining the accounting information of the settlement account according to the accounting mode specifically includes:
receiving actual transaction information sent by an application system of a consumer market operator, wherein the actual transaction information comprises actual transaction amount, transaction order information and a billing instruction;
determining corresponding order information according to the transaction order information;
and determining the account splitting information of the settlement account according to the order information and the transaction order information.
Preferably, when the billing mode is the payment billing mode, determining the billing information of the settlement account according to the billing mode specifically includes:
and determining the accounting information preset by the application system of the consumer market operator according to the order information.
Preferably, when the accounting mode is the parameter accounting mode, determining the accounting information of the settlement account according to the accounting mode specifically includes:
determining preset branch accounting parameters according to the order information;
and determining the accounting information of the settlement account according to the accounting parameters and the order information.
Preferably, determining a corresponding billing mode according to the merchant information corresponding to the order information, and determining billing information of the settlement account according to the billing mode specifically includes:
and forming an asynchronous process, while allocating funds with the same payment account and order amount to a monitoring account according to the order amount in the order information and the account information of the payment account to complete the transaction, determining a corresponding accounting mode according to the merchant information corresponding to the order information, and determining accounting information of a settlement account according to the accounting mode.
Preferably, the method further comprises the following merchant registration process:
receiving merchant registration information sent by a consumer market operator application system;
and determining each settlement account and the separate accounting mode according to the merchant registration information.
The invention also discloses an account distribution system based on the bank merchant receipt mode, which comprises the following steps:
the order information receiving module is used for receiving order information sent by an application system of a consumer market operator;
the transaction payment module is used for allocating funds with the same payment account and order amount to the monitoring account according to the order amount in the order information and the account information of the payment account so as to complete the transaction;
and the transaction and account splitting module is used for determining a corresponding account splitting mode according to the merchant information corresponding to the order information, determining account splitting information of the settlement accounts according to the account splitting mode, and splitting funds in the supervision accounts into the settlement accounts according to the account splitting information.
Preferably, the accounting mode includes an instruction accounting mode, a payment accounting mode and a parameter accounting mode.
Preferably, when the accounting mode is the instruction accounting mode, the transaction accounting module is further configured to receive actual transaction information sent by the consumer market operator application system, where the actual transaction information includes an actual transaction amount, transaction order information, and an accounting instruction; determining corresponding order information according to the transaction order information; and determining the account splitting information of the settlement account according to the order information and the transaction order information.
Preferably, when the billing mode is the payment billing mode, the transaction billing module is further configured to determine billing information predetermined by the consumer market operator application system according to the order information.
Preferably, when the accounting mode is the parameter accounting mode, the transaction accounting module is further configured to determine a preset accounting parameter according to the order information; and determining the accounting information of the settlement account according to the accounting parameters and the order information.
Preferably, the transaction accounting module is further specifically configured to form an asynchronous process, and when funds of the payment account, which is the same as the order amount, are allocated to the monitoring account according to the order amount in the order information and the account information of the payment account to complete the transaction, determine a corresponding accounting mode according to merchant information corresponding to the order information, and determine accounting information of the settlement account according to the accounting mode.
The invention also discloses a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor,
the processor, when executing the program, implements the method as described above.
The invention also discloses a computer-readable medium, having stored thereon a computer program,
which when executed by a processor implements the method as described above.
The invention receives order information sent by a consumer market operator application system, executes a deduction action after determining an order amount and a payment account according to the sent order information, transfers bonus money for paying the order amount in the payment account to a monitoring account to complete transaction, and transfers the bonus money in the monitoring account to a settlement account of each branch account according to the branch account information after the branch account information is determined. The order payment process and the account separation process are separated, so that order information can be independently processed and deducted, and deducted funds are temporarily stored in a supervision account, so that the payment process of a user can be completed, and the transaction is completed. Meanwhile, the bank can determine a corresponding branch accounting mode according to the order information, divide the funds in the supervision account according to the branch accounting mode, and divide the funds in the supervision account into the settlement accounts according to the branch accounting information. The invention faces to tens of millions of order-receiving merchant services and complex merchant fund clearing scenes, can determine the account-separating mode according to merchant contracts and actual delivery conditions of order-receiving business, and realizes flexible account separation. Therefore, the invention constructs a safe, efficient, standard-operation and open-supervision merchant fund management platform, exerts the advantages of safe settlement, flexible account distribution, intelligent account checking, consumption guarantee and the like, and meets the integrated financial requirements of merchant order-receiving market-class customer groups.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart of an embodiment of the invention of a method for billing based on a bank merchant acquirer mode;
FIG. 2 is a flowchart illustrating an embodiment of an account splitting method S000 according to the bank merchant bill collecting mode;
FIG. 3 is a flowchart of an embodiment S100 of the method for billing based on the bank merchant acquirer mode;
FIG. 4 is a flowchart illustrating an instruction accounting mode accounting method according to an embodiment of the invention based on an acquiring mode of a bank merchant;
FIG. 5 is a flow chart of a parameter billing mode billing according to an embodiment of the billing method based on the bank merchant acquirer mode;
FIG. 6 is a block diagram illustrating an embodiment of a billing system based on a bank merchant acquirer mode according to the present invention;
FIG. 7 illustrates a schematic diagram of a computer device suitable for use in implementing embodiments of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Under the background that internet e-commerce and mobile payment are more and more widely applied, the merchant bill collection market tends to merge the online business and the offline business, and the respective decentralized operation tends to concentrate on brand management. After deep research and discovery, a plurality of pain points and appeal exist in consumer market operators and merchants, and urgent solution is urgently needed. For example, the problems of no license plate, hard account division, low efficiency of manual settlement fund and the like of a consumer market operator are solved. The merchant worries that the money receiving fund is stolen and the account checking is difficult. The merchant has urgent need for receiving the bill and the market account, and how the same payment transaction fund is reasonably distributed among different benefit affiliates also presents a diversified scene. Scene one: the payee is not fixed. When the customer makes an order on line, the payee is uncertain. The payee confirms after the customer goes offline for consumption. For example, an online purchase of a ticket and an offline reuse scenario. A customer purchases a cruise package ticket on an online platform, the package ticket being common to a plurality of cruise companies. And in a second scenario, the fund settlement amount is not fixed. And the consumer pays the order in advance, the final price is obtained by calculating the processes of weighing, packaging, sending and the like of the commodity, if the price of the prepaid order is greater than the final price, the final price is regarded as a standard account, and the redundant part is returned to the consumer. Most of the existing branch account technologies limit branch account participants and branch account amount during payment, cannot cope with market objective factor changes, and cannot flexibly customize branch account services according to market demands. The embodiment of the invention provides an account distribution method and system based on a bank merchant receipt mode. The method faces to tens of millions of bill receiving commercial tenants, is a complex commercial tenant fund clearing scene, can determine an account splitting mode according to commercial tenant contracts and the actual delivery conditions of bill receiving business, and realizes flexible account splitting.
It should be noted that in one or more embodiments of the present invention, the receipt is simply a process in which the cardholder makes a purchase at a contracted merchant in a bank through a scenario of card swiping, gateway skipping, APP skipping, H5 page skipping, code scanning, and non-sensitive payment, and the bank deducts a certain proportion of handling fees from the transaction amount and then clears the transaction amount to the merchant.
According to one aspect of the invention, the embodiment discloses an accounting method based on a bank merchant acquiring mode. As shown in fig. 1, in this embodiment, the method includes:
s100: and receiving order information sent by the consumer market operator application system.
S200: and allocating funds of the payment account with the same amount as the order amount to the monitoring account according to the order amount in the order information and the account information of the payment account to complete the transaction.
S300: and determining a corresponding branch accounting mode according to the merchant information corresponding to the order information, determining branch accounting information of the settlement accounts according to the branch accounting mode, and allocating funds in the supervision accounts to each settlement account according to the branch accounting information. The merchant information may include information such as a merchant number, an account distribution mode, and a settlement account. The accounting information may include accounts of the settlement accounts and accounts after accounting of the accounts according to the accounting mode and the funds related to the orders in the supervision account.
The invention receives order information sent by an application system of a consumer market operator, executes a deduction action after determining an order amount and a payment account according to the sent order information, transfers funds for paying the order amount in the payment account to a monitoring account to complete a transaction (the monitoring account is a temporary fund storage account, is usually an account set by a bank and does not belong to any branch account party), and transfers the funds after the branch account in the monitoring account to a settlement account of each branch account according to the branch account information after the branch account information is determined.
The order payment process and the account separation process are separated, so that order information can be independently processed and deducted, and deducted funds are temporarily stored in a supervision account, so that the payment process of a user can be completed, and the transaction is completed. Meanwhile, the bank can determine a corresponding branch accounting mode according to the order information, divide the funds in the supervision account according to the branch accounting mode, and divide the funds in the supervision account into the settlement accounts according to the branch accounting information. The invention faces to tens of millions of order-receiving merchant services and complex merchant fund clearing scenes, can determine the account-separating mode according to merchant contracts and actual delivery conditions of order-receiving business, and realizes flexible account separation. Therefore, the invention constructs a safe, efficient, standard-operation and open-supervision merchant fund management platform, exerts the advantages of safe settlement, flexible account distribution, intelligent account checking, consumption guarantee and the like, and meets the integrated financial requirements of merchant order-receiving market-class customer groups.
In a preferred embodiment, as shown in fig. 2, the method further comprises a merchant registration process S000:
s010: and receiving merchant registration information sent by the consumer market operator application system.
S020: and determining each settlement account and the separate accounting mode according to the merchant registration information.
Specifically, in the preferred embodiment, the billing method further includes a preliminary merchant registration process. Specifically, the consumer market operator and each merchant can submit merchant registration information related to the merchant according to bank requirements, apply for registration to become a bank bill receiving merchant, and can automatically create a merchant number as a unique merchant identifier according to the merchant registration information. The merchant registration information may include information such as a merchant name, an address, and merchant contract information, and the merchant contract information includes but is not limited to a merchant settlement account, an account-allowing switch, an account-splitting mode, and the like. The merchant settlement account is a settlement account used for paying by a merchant, is used as important information of a merchant contract, and is bound with a merchant number. The consumption market operator application system can synchronize the merchant contract information to the accounting system in real time to update the merchant contract information, and the accounting system can acquire the merchant settlement account of the merchant according to the merchant number when performing accounting processing. Furthermore, an account-allowing switch can be further arranged, and only when a merchant with the authority of 'account-allowing' is turned on, namely when the merchant registration information has a mark corresponding to 'account-allowing', the account-allowing method based on the bank merchant acquiring mode of the bank can be used for the account-allowing business function. In the implementation case of the invention, the consumption market operator is used as a main body for transaction initiation, and can submit a request for allowing the account division to the account division system through the application system of the consumption market operator, so that the merchant registration information has a mark corresponding to the "allow account division", or a bank merchant manager can open an account division permission for the registered merchant and set a mark corresponding to the "allow account division".
In a preferred embodiment, as shown in fig. 3, the receiving, by the S100, the order information sent by the consumer market operator application system specifically includes:
s110: and performing admission verification on the consumer market operator application system according to the order information.
S120: and if the verification is successful, carrying out payment transaction registration on the order information.
Specifically, when order payment is performed, order information which is sent by a consumer market operator application system and serves as an order payment request is received, admission verification needs to be performed on a transaction subject merchant, for example, if the merchant is a registered merchant, verification is successful, payment transaction registration is performed on the order information, and after the transaction payment of the order information is successful, a next procedure of performing ledger on the order which is successfully transacted is started.
In a preferred embodiment, the step S300 of determining a corresponding billing mode according to the merchant information corresponding to the order information, and determining billing information of the settlement account according to the billing mode may specifically include:
s310: and forming an asynchronous process, while allocating funds with the same payment account and order amount to a monitoring account according to the order amount in the order information and the account information of the payment account to complete the transaction, determining a corresponding accounting mode according to the merchant information corresponding to the order information, and determining accounting information of a settlement account according to the accounting mode.
Among other things, it is understood that a consumer market operator provides a platform for brokering and facilitating transactions for consumer market operator applications, in the hope of drawing rebates on the transactions. The merchant provides commodity service, and hopes that funds can be directly paid out, so that the risk of the funds being stolen by the market party is avoided. In order to guarantee the benefits of the branch accounting participants, a dual mechanism of transaction admission control and fund settlement control is established, and the regulation and the safety of the fund alloy are guaranteed. In the existing account distribution technology, order payment and merchant clearing logic are highly coupled, and flexible account distribution cannot be realized. The invention receives the order information of the consumer market operator application system to deduct money based on the order amount, and responds the order payment result to the consumer market operator application system. The whole real-time transaction process does not relate to the accounting clearing. And in an asynchronous mode, after the transaction is successful or at the same time of the transaction, performing accounting according to the order information. Therefore, the invention monitors the fund through the monitoring account on one hand, and decouples the order payment and the merchant clearing and account-separating through forming an asynchronous process on the other hand, thereby realizing flexible account-separating and simultaneously improving the efficiency of payment transaction and account-separating.
In a preferred embodiment, the billing mode includes an instruction billing mode, a payment billing mode and a parameter billing mode.
In a preferred embodiment, as shown in fig. 4, when the accounting mode is the instruction accounting mode, determining accounting information of the settlement account according to the accounting mode specifically includes:
s311: and receiving actual transaction information sent by an application system of a consumer market operator, wherein the actual transaction information comprises actual transaction amount, transaction order information and a billing instruction.
S312: and determining corresponding order information according to the transaction order information.
S313: and determining the account splitting information of the settlement account according to the order information and the transaction order information.
Wherein the order information may be historical order information associated with the actual transaction information. In other words, under the condition that the payee is not fixed or the fund settlement amount is not fixed, deduction based on the order information can be carried out in the historical order information, namely, the order amount of the historical order information is transferred to the supervision account. After the actual transaction information is formed through the online transaction, the transaction order information in the actual transaction information is associated with the historical order information, and then the funds in the supervision account are separated. If the actual transaction amount in the actual transaction information is the same as the fund in the supervision account, executing the sub-accounting clearing according to the sub-accounting instruction; if the actual transaction amount in the actual transaction information is smaller than the fund in the supervision account, the redundant fund needs to be divided (multi-returned) to the settlement account of the merchant; if the actual transaction amount in the actual transaction information is smaller than the fund in the supervision account, the redundant fund needs to be divided (multi-returned) to the settlement account of the merchant; if the actual transaction amount in the actual transaction information is larger than the fund in the supervision account, the fund corresponding to the difference between the actual transaction amount and the historical order amount needs to be allocated into the supervision account from the payment account (less compensation), and then the accounting is executed according to the accounting instruction.
It can be understood that the mode of command distribution is suitable for the requirement of complex variable distribution easily limited by market client factors, and the self-built application system of the consumer market operator has the capability of initiating and processing transactions. For the consumption market operators conforming to the scene, when the contract information of the commercial tenant is input, the accounting mode can be set as an instruction accounting mode. And the consumption market operator application system is responsible for generating and sending the accounting command, and the accounting system performs accounting based on the accounting command and pushes an accounting result.
The consumer market operator application system splits the order stream successfully paid by the consumer according to the real delivery condition of the off-line commodity, finds corresponding historical order information, associates the historical order information with the order information to form transaction order information, and generates an account-making instruction. The accounting instructions should include, but are not limited to, these accounting data: the transaction date of the original payment order, the serial number of the original payment order, the number of the merchant participating in the account separation, the account separation amount and the account separation settlement date. The number of the account splitting participants is consistent with the number of the account splitting commercial tenant, and different account splitting settlement dates can be specified according to different account splitting participants. And the consumer market operator application system sends the accounting command to the accounting system for accounting processing. The billing system receives actual transaction information of the consumer market operator application system. And analyzing the account separating instruction in the actual transaction information to obtain the original payment order information, and matching and checking the original payment order information with the order information locally recorded by the account separating system. Matching and checking: the order information is required to be consistent with the payment order number of the actual transaction information, and the payment order amount is consistent. Checking: and carrying out validity check on the account splitting merchant number in the account splitting instruction. The account-participating merchant number in one instruction of the check rule must be the account-participating merchant number which is registered and validated by the system. The total amount of all the branch funds in the two instructions of the check rule is equal to the supervision account. And for the verified instruction, performing account distribution settlement according to the settlement time required by the instruction, and distributing the fund of the contract account to be settled of the order receiving service to the settlement account of the account distribution merchant.
For example, in one particular example, the flower market offers flower growers the integrated services of online sales, offline weighing and packaging, and logistics. Relates to a plurality of participants of consumers, flower farmers, flower market companies and logistics companies. The consumer pays for the order at the platform provided by the floral market, for example 100 dollars. The flower grower is used as one party of the branch, and the flower market agrees with the branch rule, such as giving 80% of each order to the flower grower. Factors that vary from market to market: the cost and logistics cost of each flower order after weighing and packaging are different and are variable. Therefore, according to the actual conditions of online flower packaging and distribution, the packaging cost and logistics cost are submitted by the operator through the flower market app and fed back to the background server of the flower market. And the background server side finds the corresponding order according to the received actual situation and divides the order into accounts. For example, the original order income is 100 yuan, the original order income is divided into 80 yuan for the flower growers, the packaging cost is 10 yuan, the logistics cost is 8 yuan, and the rest 2 yuan is divided into profit for the flower market companies.
In conclusion, the order management platform set up by the flower market company accepts orders from consumers, submits payment orders to the bank, completes the payment process and records the order numbers. And the online handling personnel receives the order and starts to arrange packaging and logistics, feeds back corresponding cost to an order management platform (a consumer market operator application system) of the flower market, generates an accounting command after the order management platform receives the feedback and sends the accounting command to a bank order receiving and accounting system, and the bank order receiving and accounting system performs accounting according to the accounting command and accounts each accounting party of the order to settle accounting funds.
In a preferred embodiment, when the billing mode is the payment billing mode, determining the billing information of the settlement account according to the billing mode specifically includes:
s320: and determining the accounting information preset by the application system of the consumer market operator according to the order information.
Specifically, it can be understood that the payment and billing mode is applicable to a simple billing scenario that is not affected by market objective factors, and meanwhile, an application system built by a consumer market operator has the capability of initiating and processing transactions. For the consumer market operators conforming to the scene, the accounting mode can be set to be the payment accounting mode when the merchant contract information is input. The processing flow of the branch account system in the payment branch account mode comprises branch account registration, order payment, branch account clearing and fund settlement.
In a preferred embodiment, as shown in fig. 5, when the accounting mode is the parameter accounting mode, determining the accounting information of the settlement account according to the accounting mode specifically includes:
s331: and determining preset branch accounting parameters according to the order information.
S332: and determining the accounting information of the settlement account according to the accounting parameters and the order information.
Specifically, it can be understood that the parameter accounting mode is suitable for an accounting scenario that is not affected by market objective factors, but a consumer market operator does not have a self-established system and application, and needs to initiate a transaction and complete a subsequent fund accounting process depending on an acquiring and paying tool provided by a bank. For the consumer market operators conforming to the scene, the accounting mode can be set as a parameter accounting mode when the merchant contract information is input. And maintaining and synchronizing the accounting parameters by a bank merchant manager. A plurality of branch accounting participants can be maintained, and branch accounting parameters to be entered include: and the merchant numbers and the distribution proportion participating in the account distribution.
In a preferred embodiment, the present invention also provides an intelligent reconciliation function. Specifically, the account distribution system further provides related functions of order detail account distribution, account distribution and collection voucher and the like, and intelligent, unified, accurate and accurate fund account distribution service is provided for bank bill collection merchants. The consumer market operator serves as a main merchant, and plays roles of order payment transaction initiation and account-dividing instruction initiation, so that attention needs to be paid to whether a transaction order is successful or not and whether the account-dividing instruction is successful or not. In order to facilitate order checking of consumer market operators, the system provides payment order detail reconciliation files for main merchants. The merchant of the merchant bill collecting market is used as a billing participant, and the result of billing is more concerned. Therefore, the system provides the account detail processing result feedback file and the account merchant account check for the account merchant conveniently. And for the account dividing instruction sent by the consumer market operator, the account dividing system performs fund settlement service, divides the fund of the contract account to be settled of the order receiving service into the settlement account of the account dividing commercial tenant and generates an account dividing and receiving voucher according to the dimension of the account dividing commercial tenant.
In conclusion, the invention realizes the standardization of the account-dividing service through the qualification audit and the transaction admission control of the operation subject of the merchant bill-receiving consumption market, and constructs a merchant account-dividing fund management platform with safety, high efficiency, standard operation and open supervision. Specifically, the invention is based on a bank receipt mode, and the whole process realizes transfer in an account settlement system of a bank no matter whether a consumer pays funds or a merchant collects funds. On one hand, the problem that an operator in a consumption market has no license plate and cannot provide centralized operation management and automatic fund clearing service for a plurality of scattered merchants is effectively solved. On the other hand, the bank directly settles the fund to the settlement account of the separate account merchant according to the merchant contract, thereby solving the problems that a plurality of merchants worry about the fund being appropriated and arrears by the consumer market operators and the like. And capital supervision is realized through capital settlement control. And the fund security of the merchants participating in the account separation is fully ensured. In addition, the invention faces to tens of millions of order-receiving merchant services, and complex merchant fund clearing scenes, and can determine the billing mode according to merchant contracts and actual delivery conditions of order-receiving business, thereby realizing flexible billing. Has the following advantages: one, flexible many ways branch account. And dynamically adjusting the merchants which actually obtain the accounting income according to the real delivery condition of the off-line commodities. And secondly, dynamically distributing the amount. And calculating and determining the final price of the commodity according to the objective factors of the market, and taking the final price as a standard account. And thirdly, the operation scene is fully covered. The flexible switching of three separate account modes is supported, and the separate account requirements of different consumption market operators in different operation scenes in the bill receiving business market are comprehensively covered.
Based on the same principle, the embodiment also discloses an account distribution system based on the bank merchant acquiring mode. As shown in fig. 6, in the present embodiment, the system includes an order information receiving module 11, a transaction payment module 12, and a transaction ledger module 13.
The order information receiving module 11 is configured to receive order information sent by a consumer market operator application system.
The transaction payment module 12 is configured to transfer funds, in which the payment account and the order amount are the same, to the administrative account according to the order amount in the order information and the account information of the payment account to complete the transaction.
The account sorting module 13 is configured to determine a corresponding account sorting mode according to the merchant information corresponding to the order information, determine account sorting information of the settlement accounts according to the account sorting mode, and allocate funds in the monitoring accounts to each settlement account according to the account sorting information.
In a preferred embodiment, the billing mode includes an instruction billing mode, a payment billing mode and a parameter billing mode.
In a preferred embodiment, when the accounting mode is the instruction accounting mode, the transaction accounting module 13 is further configured to receive actual transaction information sent by the consumer market operator application system, where the actual transaction information includes an actual transaction amount, transaction order information, and an accounting instruction; determining corresponding order information according to the transaction order information; and determining the account splitting information of the settlement account according to the order information and the transaction order information.
In a preferred embodiment, when the billing mode is the payment billing mode, the transaction billing module 13 is further configured to determine billing information predetermined by the consumer market operator application system according to the order information.
In a preferred embodiment, when the accounting mode is the parameter accounting mode, the transaction accounting module 13 is further configured to determine a preset accounting parameter according to the order information; and determining the accounting information of the settlement account according to the accounting parameters and the order information.
In a preferred embodiment, the transaction accounting module 13 is further configured to form an asynchronous process, and while funds of the payment account, which is the same as the order amount, are allocated to the administrative account according to the order amount in the order information and the account information of the payment account to complete the transaction, determine a corresponding accounting mode according to the merchant information corresponding to the order information, and determine accounting information of the settlement account according to the accounting mode.
Since the principle of the system for solving the problem is similar to the above method, the implementation of the system can refer to the implementation of the method, and the detailed description is omitted here.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
In a typical example, the computer device specifically comprises a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method performed by the client as described above when executing the program, or the processor implementing the method performed by the server as described above when executing the program.
Referring now to FIG. 7, shown is a schematic diagram of a computer device 600 suitable for use in implementing embodiments of the present application.
As shown in fig. 7, the computer apparatus 600 includes a Central Processing Unit (CPU)601 which can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM)) 603. In the RAM603, various programs and data necessary for the operation of the system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output section 607 including a Cathode Ray Tube (CRT), a liquid crystal feedback (LCD), and the like, and a speaker and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted as necessary on the storage section 608.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (16)
1. An account distribution method based on a bank merchant bill receiving mode is characterized by comprising the following steps:
receiving order information sent by an application system of a consumer market operator;
allocating funds with the same amount as the order amount to a monitoring account according to the order amount in the order information and account information of the payment account to complete the transaction;
and determining a corresponding branch accounting mode according to the merchant information corresponding to the order information, determining branch accounting information of the settlement accounts according to the branch accounting mode, and allocating funds in the supervision accounts to each settlement account according to the branch accounting information.
2. The billing method based on the bank merchant acquiring mode according to claim 1, wherein the receiving the order information sent by the consumer market operator application system specifically comprises:
performing admission verification on the consumer market operator application system according to the order information;
and if the verification is successful, carrying out payment transaction registration on the order information.
3. The banking-merchant acquiring-mode-based billing method according to claim 1, wherein the billing mode includes an instruction billing mode, a payment billing mode and a parameter billing mode.
4. The billing method based on the bank merchant acquirer mode according to claim 3, wherein when the billing mode is the instruction billing mode, determining the billing information of the settlement account according to the billing mode specifically includes:
receiving actual transaction information sent by an application system of a consumer market operator, wherein the actual transaction information comprises actual transaction amount, transaction order information and a billing instruction;
determining corresponding order information according to the transaction order information;
and determining the account splitting information of the settlement account according to the order information and the transaction order information.
5. The billing method based on the bank merchant acquirer mode according to claim 3, wherein when the billing mode is the payment billing mode, determining the billing information of the settlement account according to the billing mode specifically includes:
and determining the accounting information preset by the application system of the consumer market operator according to the order information.
6. The billing method based on the bank merchant acquirer mode according to claim 3, wherein when the billing mode is the parameter billing mode, determining the billing information of the settlement account according to the billing mode specifically includes:
determining preset branch accounting parameters according to the order information;
and determining the accounting information of the settlement account according to the accounting parameters and the order information.
7. The billing method based on the bank merchant acquiring mode according to claim 1, wherein determining the corresponding billing mode according to the merchant information corresponding to the order information, and determining the billing information of the settlement account according to the billing mode specifically comprises:
and forming an asynchronous process, while allocating funds with the same payment account and order amount to a monitoring account according to the order amount in the order information and the account information of the payment account to complete the transaction, determining a corresponding accounting mode according to the merchant information corresponding to the order information, and determining accounting information of a settlement account according to the accounting mode.
8. The billing method based on the bank merchant acquirer mode according to claim 1, further comprising a merchant registration process:
receiving merchant registration information sent by a consumer market operator application system;
and determining each settlement account and the separate accounting mode according to the merchant registration information.
9. An account distribution system based on a bank merchant acquiring mode is characterized by comprising:
the order information receiving module is used for receiving order information sent by an application system of a consumer market operator;
the transaction payment module is used for allocating funds with the same payment account and order amount to the monitoring account according to the order amount in the order information and the account information of the payment account so as to complete the transaction;
and the transaction and account splitting module is used for determining a corresponding account splitting mode according to the merchant information corresponding to the order information, determining account splitting information of the settlement accounts according to the account splitting mode, and splitting funds in the supervision accounts into the settlement accounts according to the account splitting information.
10. The banking-merchant receipt-mode-based billing system according to claim 9, wherein the billing mode includes an instruction billing mode, a payment billing mode, and a parameter billing mode.
11. The billing system based on the banking-merchant acquiring mode according to claim 10, wherein when the billing mode is the instruction billing mode, the transaction billing module is further configured to receive actual transaction information sent by the consumer market operator application system, where the actual transaction information includes an actual transaction amount, transaction order information, and a billing instruction; determining corresponding order information according to the transaction order information; and determining the account splitting information of the settlement account according to the order information and the transaction order information.
12. The banking-merchant receipt mode-based ledger system of claim 10, wherein when the ledger mode is a payment ledger mode, the transaction ledger module is further configured to determine ledger information predetermined by the consumer market operator application system according to the order information.
13. The billing system based on the banking-merchant acquiring mode according to claim 10, wherein when the billing mode is a parameter billing mode, the transaction billing module is further configured to determine a preset billing parameter according to the order information; and determining the accounting information of the settlement account according to the accounting parameters and the order information.
14. The billing system based on the bank merchant acquiring mode of claim 9, wherein the transaction billing module is further configured to form an asynchronous process, and when funds of a payment account having the same amount as the order amount are allocated to the monitoring account according to the order amount in the order information and account information of the payment account to complete a transaction, determine a corresponding billing mode according to merchant information corresponding to the order information, and determine billing information of a settlement account according to the billing mode.
15. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor,
the processor, when executing the program, implements the method of any of claims 1-8.
16. A computer-readable medium, having stored thereon a computer program,
the program when executed by a processor implementing the method according to any one of claims 1-8.
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