CN114298698A

CN114298698A - Transaction settlement method and device

Info

Publication number: CN114298698A
Application number: CN202111629621.2A
Authority: CN
Inventors: 阮兴茂; 王晓锐; 周宏庆; 余凡; 饶文高
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-12-28
Filing date: 2021-12-28
Publication date: 2022-04-08

Abstract

The invention provides a transaction settlement method and a device, which can be used in the financial field, the transaction settlement field or other technical fields. The method comprises the following steps: acquiring a payment request sent by first equipment; and if the settlement information base has the seller settlement information matched with the payment request, carrying out fund settlement processing according to the payment request, wherein the seller settlement information in the settlement information base comes from the second equipment. The device is used for executing the method. The transaction settlement method and the device provided by the embodiment of the invention can improve the safety and reliability of transaction fund settlement.

Description

Transaction settlement method and device

Technical Field

The invention relates to the technical field of transaction settlement, in particular to a transaction settlement method and device.

Background

In the traditional grain transaction process, the business risk generated by the settlement of grain transaction funds greatly restricts the rapid development of grain transaction. The existing method for settling the food transaction funds has the following defects:

poor convenience: the traditional grain transaction mainly adopts cash settlement, and after finishing the grain transaction at a grain station of a directly-affiliated warehouse, a grain seller needs to go to the directly-affiliated warehouse to settle the transaction fund. However, the geographical positions of the grain station and the direct warehouse are distant, and grain selling users need to go to and fro the direct warehouse and the grain station for one time or more times, which causes great inconvenience for grain transaction.

Disclosure of Invention

To solve the problems in the prior art, embodiments of the present invention provide a method and an apparatus for settling a transaction, which can at least partially solve the problems in the prior art.

In a first aspect, the present invention provides a method of settling a transaction, comprising: acquiring a payment request sent by first equipment;

and if the settlement information base has the seller settlement information matched with the payment request, carrying out fund settlement processing according to the payment request, wherein the seller settlement information in the settlement information base comes from the second equipment.

Optionally, before acquiring the payment request sent by the first device, the method further includes:

acquiring seller settlement information sent by the second equipment;

and storing the seller settlement information to the settlement information base.

Optionally, the seller settlement information includes seller settlement card information and transaction amount; the payment request comprises seller settlement card information, transaction amount and buyer identity information;

if the settlement information base has the seller settlement information matched with the payment request, the fund settlement processing according to the payment request comprises the following steps:

and if the seller settlement card information and the to-be-processed seller settlement information with the same amount as the seller settlement card information and the transaction amount in the payment request exist in the settlement transaction library, performing fund settlement according to the seller settlement card information, the transaction amount and the buyer identity information in the payment request.

Optionally, the storing the seller settlement information to the settlement information base includes:

determining whether the seller settlement card supports the settlement of the transaction according to the seller settlement card information and the transaction amount in the seller settlement information;

if the seller settlement card supports the settlement of the transaction, determining whether the transaction conforms to a preset transaction rule or not according to the transaction amount;

and if the transaction conforms to the preset transaction rule, storing the seller settlement information into the settlement information base.

Optionally, the method further includes:

determining customer information of a customer to which the seller settlement card belongs according to the seller settlement card information;

and if the seller settlement card supports the settlement of the transaction and the transaction meets the preset transaction rule, sensitizing the seller settlement card information and the customer information and then sending the information to the second equipment so that the second equipment generates a settlement certificate according to the sensitized seller settlement card information and the sensitized customer information.

Optionally, the determining whether the current transaction meets a preset transaction rule according to the transaction amount includes:

determining the transaction amount of the transaction commodity according to the transaction amount and the preset transaction commodity unit price;

and determining whether the transaction conforms to a preset transaction rule or not according to the transaction amount of the transaction commodity.

Optionally, the obtaining of the payment request sent by the first device includes:

and decrypting a payment ciphertext sent by first equipment by using a first key to obtain a payment request, wherein the payment ciphertext is obtained by encrypting the payment request by the first equipment by using a second key.

In a second aspect, the present invention provides a method for settling a transaction, comprising:

acquiring seller settlement information;

and sending the seller settlement information to third equipment so that the third equipment performs fund settlement processing according to the payment request and the seller settlement information.

Optionally, the seller settlement information includes seller settlement card information and transaction amount;

after transmitting the vendor settlement information to the third device, the method further comprises:

acquiring the vendor settlement card information after sensitization processing and the customer information after sensitization processing sent by the third equipment;

and generating a settlement voucher according to the vendor settlement card information after sensitization processing and the customer information after sensitization processing.

Optionally, the method further includes:

acquiring a seller settlement information inquiry request;

sending the seller settlement information inquiry request to the third equipment so that the third equipment inquires seller settlement information in a settlement information base according to the inquiry request;

and acquiring and displaying the seller settlement information inquired by the third equipment.

Optionally, after displaying the seller settlement information queried by the third device, the method further includes:

printing a settlement voucher of the target seller settlement information according to a settlement voucher printing request of the target seller settlement information in the displayed seller settlement information; or

Obtaining a revocation request of target seller settlement information in the displayed seller settlement information;

and sending the revocation request to the third equipment so that the third equipment performs revocation processing on the target seller settlement information in the settlement information base according to the revocation request.

In a third aspect, the present invention provides a method for settling a transaction, comprising:

acquiring a payment request;

and sending the payment request to third equipment so that the third equipment performs fund settlement processing according to the payment request and seller settlement information.

Optionally, the sending the payment request to a third device, so that the third device performs a fund settlement process according to the payment request and the seller settlement information includes:

encrypting the payment request by using a second key to generate a payment ciphertext;

and sending the payment ciphertext to the third device, so that the third device decrypts the payment ciphertext by using the first key to obtain the payment request, and performs fund settlement processing according to the payment request and the seller settlement information.

In a fourth aspect, the present invention provides a transaction settlement apparatus, comprising:

the first acquisition module is used for acquiring a payment request sent by first equipment;

and the settlement processing module is used for carrying out fund settlement processing according to the payment request if the settlement information base has the seller settlement information matched with the payment request, wherein the seller settlement information in the settlement information base comes from the second equipment.

Optionally, the apparatus further comprises:

the second acquisition module is used for acquiring seller settlement information sent by the second equipment;

and the storage module is used for storing the seller settlement information to the settlement information base.

the settlement processing module is specifically configured to:

Optionally, the saving module includes:

the first determining unit is used for determining whether the seller settlement card supports the transaction settlement according to the seller settlement card information and the transaction amount in the seller settlement information;

the second determining unit is used for determining whether the current transaction conforms to a preset transaction rule according to the transaction amount if the seller settlement card supports the current transaction settlement;

and the storage unit is used for storing the seller settlement information to the settlement information base if the transaction conforms to a preset transaction rule.

Optionally, the apparatus further comprises:

the first determining module is used for determining the customer information of the customer to which the seller settlement card belongs according to the seller settlement card information;

and the sending module is used for sensitizing the information of the seller settlement card and the information of the customer and then sending the sensitized information to the second equipment if the seller settlement card supports the settlement of the transaction and the transaction meets the preset transaction rule, so that the second equipment generates a settlement certificate according to the sensitized information of the seller settlement card and the sensitized information of the customer.

Optionally, the determining, by the second determining unit, whether the current transaction meets a preset transaction rule according to the transaction amount includes:

Optionally, the first obtaining module is specifically configured to:

In a fifth aspect, the present invention provides a transaction settlement apparatus, comprising:

the first acquisition module is used for acquiring seller settlement information;

and the first sending module is used for sending the seller settlement information to third equipment so that the third equipment can carry out fund settlement processing according to the payment request and the seller settlement information.

the device further comprises:

the second acquisition module is used for acquiring the vendor settlement card information after sensitization processing and the customer information after sensitization processing which are sent by the third equipment;

and the generation module is used for generating a settlement certificate according to the vendor settlement card information after sensitization processing and the customer information after sensitization processing.

Optionally, the apparatus further comprises:

the third acquisition module is used for acquiring a seller settlement information inquiry request;

the second sending module is used for sending the seller settlement information inquiry request to the third equipment so as to enable the third equipment to inquire seller settlement information in a settlement information base according to the inquiry request;

and the display module is used for acquiring and displaying the seller settlement information obtained by the inquiry of the third equipment.

Optionally, the apparatus further comprises:

the printing module is used for printing the settlement voucher of the target seller settlement information according to the settlement voucher printing request of the target seller settlement information in the displayed seller settlement information; or

The fourth acquisition module is used for acquiring a revocation request of target seller settlement information in the displayed seller settlement information;

and the third sending module is used for sending the revocation request to the third equipment so that the third equipment performs revocation processing on the target seller settlement information in the settlement information base according to the revocation request.

In a sixth aspect, the present invention provides a transaction settlement apparatus, comprising:

the acquisition module is used for acquiring the payment request;

and the sending module is used for sending the payment request to third equipment so that the third equipment can carry out fund settlement processing according to the payment request and the seller settlement information.

Optionally, the sending module is specifically configured to:

In a seventh aspect, the present invention provides an electronic device, comprising a memory, a processor and a computer program stored on the memory and operable on the processor, wherein the processor executes the computer program to implement the steps of the transaction settlement method according to any of the above embodiments.

In an eighth aspect, the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the transaction settlement method of any of the embodiments described above.

According to the transaction settlement method and the device provided by the embodiment of the invention, a seller only needs to upload seller settlement information through the second equipment arranged on a transaction site or all the second equipment of the seller, and the third equipment can perform automatic fund settlement processing according to the seller settlement information and the payment request sent by the first equipment, so that the convenience of transaction fund settlement is improved compared with the conventional cash settlement method; and the third equipment carries out fund settlement on the transaction after the information provided by the transaction parties (the house purchasing party and the seller) is successfully matched, so that the safety and the reliability of the fund settlement are ensured.

Drawings

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. In the drawings:

fig. 1 is a flow chart illustrating a transaction settlement method according to an embodiment of the invention.

Fig. 2 is a partial flow diagram of a transaction settlement method according to an embodiment of the invention.

Fig. 3 is a partial flow diagram of a transaction settlement method according to an embodiment of the invention.

Fig. 4 is a partial flow diagram of a transaction settlement method according to an embodiment of the invention.

Fig. 5 is a partial flow diagram of a transaction settlement method according to an embodiment of the invention.

Fig. 6 is a flowchart illustrating a transaction settlement method according to an embodiment of the invention.

Fig. 7 is a partial flow diagram of a transaction settlement method according to an embodiment of the invention.

Fig. 8 is a partial flow diagram of a transaction settlement method according to an embodiment of the invention.

Fig. 9 is a partial flow diagram of a transaction settlement method according to an embodiment of the invention.

Fig. 10 is a flowchart illustrating a transaction settlement method according to an embodiment of the invention.

Fig. 11 is a partial flow chart of a transaction settlement method according to an embodiment of the invention.

Fig. 12 is a signaling interaction diagram of a transaction settlement system according to an embodiment of the present invention.

Fig. 13 is a schematic structural diagram of a transaction settlement system according to an embodiment of the present invention.

Fig. 14 is a flowchart illustrating a data transmission method according to an embodiment of the present invention.

Fig. 15 is a schematic structural diagram of a transaction settlement apparatus according to an embodiment of the present invention.

Fig. 16 is a schematic structural diagram of a transaction settlement device according to another embodiment of the present invention.

Fig. 17 is a schematic structural diagram of a transaction settlement apparatus according to still another embodiment of the present invention.

Fig. 18 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.

The execution subject of the transaction settlement method provided by the embodiment of the invention includes but is not limited to a computer.

Fig. 1 is a schematic flow chart of a transaction settlement method according to an embodiment of the present invention, and as shown in fig. 1, the transaction settlement method according to the embodiment of the present invention may be applied to a third device, and the method includes:

s101, acquiring a payment request sent by first equipment;

in one transaction, two transaction parties are a purchasing party and a selling party respectively, the first device is used for acquiring a payment request input by the purchasing party and sending the payment request to a third device, the first device is a trusted device for the purchasing party, for example, the first device is a device owned by the purchasing party and can be arranged in an office of the purchasing party, so that the purchasing party can conveniently upload the payment request at any time; the third device may be a device independent of the buyer and the seller, for example, the third device may be provided by a bank exclusively for the transaction between the buyer and the seller, and the third device may be used for the credible authentication of the transaction between the buyer and the seller.

And S102, if the settlement information base has the seller settlement information matched with the payment request, carrying out fund settlement processing according to the payment request, wherein the seller settlement information in the settlement information base comes from the second equipment.

In this step, the second device is configured to obtain settlement information input by a vendor, that is, vendor settlement information, and send the vendor settlement information to the third device, where the second device is a trusted device for the vendor, for example, the second device may be a device owned by the vendor or a device provided by a third-party trusted authority independent of the vendor and the vendor, for example, in a grain transaction scenario, the second device is a POS machine provided by a bank, and the POS machine may be kept by the vendor, and when a grain seller (vendor) sells grain to a grain station (buyer), the POS machine is used to upload the vendor settlement information.

And the settlement information base records the settlement information of each seller uploaded by the second equipment, wherein each seller can upload the settlement information of each seller through the second equipment every time when carrying out transaction. After the first device uploads the payment request, a third device independent of the seller and the buyer matches the payment request uploaded by the first device with the settlement information of each seller recorded in the settlement information base. And under the condition of successful matching, carrying out fund settlement processing according to the payment request, if the settlement information base does not have seller settlement information matched with the payment request, considering that the payment request is suspicious, and returning the payment request to the first equipment so that the buyer can reprocess the payment request, thereby ensuring the reliability of fund settlement work.

According to the transaction settlement method provided by the embodiment of the invention, a seller only needs to upload seller settlement information through second equipment arranged on a transaction site or all second equipment of the seller, and a third device can automatically perform fund settlement processing according to the seller settlement information and a payment request sent by a first device; and the third equipment carries out fund settlement on the transaction after the information provided by the transaction parties (the house purchasing party and the seller) is successfully matched, so that the safety and the reliability of the fund settlement are ensured.

As shown in fig. 2, optionally, before acquiring the payment request sent by the first device, the method may further include:

s103, acquiring seller settlement information sent by the second equipment;

in this step, the seller can input the seller settlement information through the second device on the transaction site, and when the seller inputs the seller settlement information through the second device, the buyer can be used as a supervisor to supervise the settlement information input by the seller, so as to ensure that the settlement information input by the seller through the second device is the settlement information approved by both parties of the transaction; and the second equipment uploads the settlement information input by the seller to the third equipment.

And S104, storing the seller settlement information to the settlement information base.

In the step, the third equipment stores the seller settlement information uploaded by the second equipment into a settlement information base, and after waiting for the buyer to upload the payment request of the same transaction through the first equipment, the third equipment performs fund settlement processing.

In this embodiment, the to-be-processed vendor settlement information refers to vendor settlement information that has not been subjected to fund settlement processing, and in the settlement transaction library, in addition to the to-be-processed vendor settlement information, the to-be-processed vendor settlement information may also include processed vendor settlement information and/or cancelled vendor settlement information, where the processed vendor settlement information refers to vendor settlement information that has been subjected to fund settlement processing, the cancelled vendor settlement information refers to vendor settlement information that has been requested to be cancelled by a vendor through the second device and has been successfully cancelled, and each type of vendor settlement information has a corresponding identifier, for example, the to-be-processed vendor settlement information has a to-be-processed identifier, the processed vendor settlement information has a processed identifier, and the cancelled vendor settlement information has a cancellation identifier.

The seller settlement card information can be a seller settlement card number, and the buyer identity information can be an identity code of a buyer; when the to-be-processed seller settlement information with the same amount as the seller settlement card information and the transaction amount in the payment request exists in the settlement transaction library, the seller settlement information submitted by the seller and the buyer settlement information submitted by the buyer can be considered to be successfully matched, and the transaction can be settled, at the moment, in order to ensure that the seller timely receives the settlement fund, the third equipment can pre-check whether the balance of a settlement account corresponding to the buyer identity information submitted by the buyer is sufficient, if so, the third equipment can generate a corresponding payment instruction to enter a to-be-paid queue, and wait for the bank to schedule a task to call up payment at regular time; if not, the third device may generate a transfer instruction from the designated reserve money account to the settlement account into the queue to be paid before generating the payment instruction.

The fund settlement processing according to the seller settlement card information, the transaction amount and the buyer identity information in the payment request may specifically include: and transferring the money with the same amount as the transaction amount from the account of the purchasing party into the account of the settlement card of the selling party according to the identity information of the purchasing party. The pending seller settlement information matching the payment request may be re-identified as processed seller settlement information after transferring an amount of money equal to the transaction amount from the purchaser account to the seller settlement card account.

The third device can feed back corresponding processing results to both parties of the transaction whether the fund settlement processing flow succeeds or fails. In order to enhance the security of the data transmission result, the third device may sign the digest of the processing result by using the private key, attach the signature to the result message, and return the result message.

As shown in fig. 3, optionally, the storing the seller settlement information in the settlement information base includes:

s1041, according to the information of the seller ' S settlement card and the transaction amount in the seller ' S settlement information, determining whether the seller ' S settlement card supports the current transaction settlement;

in this step, after the seller inputs the information of the settlement card and the transaction amount through the second device, the third device can inquire the state of the settlement card, the information of the attributive customer and whether the settlement card can support the financial transaction of the transaction amount (part of the transaction existence limit of the second and third types of bank cards) by using an account information inquiry API interface provided by the bank. If the settlement card is in a normal state and supports the transaction of the transaction amount, determining that the seller settlement card supports the transaction settlement; otherwise, the related error can be fed back to the second device in time.

S1042, if the seller settlement card supports the settlement of the transaction, determining whether the transaction conforms to a preset transaction rule according to the transaction amount;

in this step, the preset transaction rule may be determined according to the characteristics of the transaction object, which may determine the characteristics of the transaction amount; therefore, whether the transaction amount meets the requirement can be verified according to the preset transaction rule, namely whether the transaction amount is input wrongly or is tampered in the transmission process is determined.

And S1043, if the transaction conforms to a preset transaction rule, storing the seller settlement information to the settlement information base.

In the step, the settlement card and the transaction amount provided by the seller are stored after meeting the requirements, so that the reliability and the success rate of the fund settlement work are improved.

As shown in fig. 4, optionally, in the above embodiment, the determining whether the current transaction meets the preset transaction rule according to the transaction amount may include:

s10421, determining the transaction amount of the transaction commodity according to the transaction amount and the preset transaction commodity unit price;

in this step, the transaction amount of the transaction commodity can be obtained by dividing the transaction amount by a preset transaction commodity unit price.

And S10422, determining whether the current transaction meets a preset transaction rule according to the transaction amount of the transaction commodity.

In this step, when the transaction commodities are transacted according to the number of the commodities or the number of the commodities, the preset transaction rule may be: the transaction amount of the transaction commodity is an integer; when the transaction commodity is transacted according to weight, for example, a grain transaction, the preset transaction rule may be: the number of digits after the decimal point of the specific numerical value of the transaction amount of the transaction commodity is not more than three.

The trading rule may also be a value range of the trading volume of the traded commodity, and the like, which is not limited in this embodiment, for example, the trading rule may be set according to expert experience.

As shown in fig. 5, optionally, the method may further include:

s105, determining customer information of a customer to which the seller settlement card belongs according to the seller settlement card information;

in this step, the third device may query the attributive customer information of the settlement card, that is, the customer information of the customer to which the settlement card belongs, by using an account information query API interface provided by the bank; the customer information may be the customer's identification number, etc.

And S106, if the seller settlement card supports the settlement of the transaction and the transaction meets the preset transaction rule, sensitizing the seller settlement card information and the customer information and then sending the sensitized seller settlement card information and the customer information to the second equipment, so that the second equipment generates a settlement certificate according to the sensitized seller settlement card information and the sensitized customer information.

In this step, the sensitizing the information of the vendor settlement card and the customer information may include: and replacing part of characters in the seller settlement card information and the client information with preset characters, for example, the preset characters are 'x', so that the effect of protecting the client privacy information is achieved. Under the condition that the seller settlement card supports the settlement of the transaction and the transaction meets the preset transaction rule, the seller settlement card information and the customer information which are subjected to sensitization processing are sent to the second equipment, the second equipment can generate a settlement certificate according to the seller settlement card information and the customer information which are subjected to sensitization processing, and when the second equipment is a POS machine, the POS machine can also automatically print the settlement certificate so that the seller can inquire or supervise the fund settlement affairs from the settlement certificate to the banking department and the purchasing party office; the POS machine can also print double settlement vouchers which are respectively kept by a seller and a buyer.

Optionally, in any embodiment above, the obtaining of the payment request sent by the first device may include: and decrypting a payment ciphertext sent by first equipment by using a first key to obtain a payment request, wherein the payment ciphertext is obtained by encrypting the payment request by the first equipment by using a second key.

In this embodiment, the second key may be related to identity information of the third device, for example, the second key may be a mailbox address or an ID number of the third device; the first equipment encrypts the payment request by using the second secret key and then sends the payment request to the third equipment, so that the safety of information transmission can be improved, and the potential safety hazard in the fund settlement work is reduced.

The first key may be obtained by the third device contacting a Private Key Generator (PKG), where the private key generator is a trusted third party that is trusted by both the third device and the first device, and the private key generator may generate a first key corresponding to the second key according to an IBE (identity based encryption) algorithm and send the first key to the third device. And after the third equipment obtains the first key, the third equipment decrypts the payment ciphertext sent by the first equipment by using the first key, if the decryption is successful and a payment request is obtained, the next processing step is carried out, and if the decryption is failed, a decryption failure message can be fed back to the first equipment.

Optionally, in the foregoing embodiment, after the payment ciphertext is decrypted, the payment request packet may be parsed by using a DOM4j method, and the integrity of the payment request may be checked (DOM4 j: a set of assemblies that integrate DOM, SAX, and JAXP frameworks based on a Java platform in a comprehensive manner). The method mainly comprises the following steps:

and (3) message integrity checking: for example, the complete payment request message includes necessary information such as transaction time, transaction flow, code information of the buyer's administrative institution and the jurisdictional institution, settlement information (such as seller's settlement card information, seller's identity card, seller's account name), and transaction amount, which cannot be lost.

And (3) logical integrity checking: for example: because the payment requests are mostly submitted in batch, the payment request message is also provided with the total transaction number, the total transaction amount, the byte length of the payment request message and other authentications for respectively carrying out summary authentication on the number, the amount and the byte length of the detail message.

After passing the integrity check, the payment request detail is inserted into the settlement information base. To further ensure the safety of the fund settlement work, the following authentication processes can be added before the fund settlement process is carried out:

and (3) initiating mechanism authentication: and setting a white list for the buyer administrative institution and the jurisdictional institution, and automatically checking and authenticating the code information of the buyer administrative institution and the jurisdictional institution in the payment request with the white list by the third equipment.

And carrying out fund settlement processing when the purchasing party administrative institution and the jurisdictional institution exist in the white list. In order to prevent the purchaser from repeatedly pushing the payment request, the third device may first inquire whether the payment transaction flow meter has the successful payment or the payment request to be paid in the same transaction flow before the fund settlement process, and if so, return corresponding error information.

Fig. 6 is a schematic flow chart of a transaction settlement method according to an embodiment of the present invention, and as shown in fig. 6, the transaction settlement method according to the embodiment of the present invention may be applied to the second device, and the method includes:

s201, acquiring seller settlement information;

in this step, the seller can input the seller settlement information through the second device at the transaction site, and when the seller inputs the seller settlement information through the second device, the buyer can be used as a supervisor to supervise the settlement information input by the seller, or the buyer can transmit an authorization instruction to the second device through the first device and allow the seller to input the settlement information after the second device receives the authorization instruction, so as to ensure that the settlement information input by the seller through the second device is the settlement information approved by both parties of the transaction.

S202, sending the seller settlement information to third equipment so that the third equipment can carry out fund settlement processing according to the payment request and the seller settlement information.

In this embodiment, the third device may be a device independent from a buyer and a seller, for example, the third device may be a device provided by a bank exclusively for a transaction between the buyer and the seller, and the third device may perform trusted authentication for the transaction between the buyer and the seller. The third device can store the seller settlement information uploaded by the second device into a settlement information base, and the third device waits for the buyer to upload the payment request of the same transaction through the first device and then performs fund settlement processing. The detailed steps of the third device performing the fund settlement processing according to the payment request and the seller settlement information can be referred to the description of the above embodiments.

According to the transaction settlement method provided by the embodiment of the invention, a seller only needs to upload seller settlement information through second equipment arranged on a transaction site or all second equipment of the seller, and the third equipment can perform automatic fund settlement processing according to the seller settlement information and a payment request; compared with the current single-party payment confirmation method, the security is greatly improved.

As shown in fig. 7, optionally, the seller settlement information includes seller settlement card information and transaction amount; after transmitting the vendor settlement information to the third device, the method may further include:

s203, acquiring the vendor settlement card information after sensitization processing and the customer information after sensitization processing sent by the third equipment;

after the second device sends the seller settlement information to the third device, the third device judges whether the seller settlement card supports the current transaction settlement and whether the current transaction meets the preset transaction rule according to the seller settlement information, and when the seller settlement card supports the current transaction settlement and the current transaction meets the preset transaction rule, the seller settlement card information and the customer information are sensitized and sent to the second device; at this time, the second device may acquire the sensitized vendor settlement card information and the sensitized customer information sent by the third device.

And S204, generating a settlement certificate according to the vendor settlement card information after sensitization processing and the customer information after sensitization processing.

In this step, after acquiring the sensitized vendor settlement card information and the sensitized customer information, the second device may generate a settlement certificate according to the sensitized vendor settlement card information and the sensitized customer information, and specifically, the settlement certificate may include the sensitized vendor settlement card information and the sensitized customer information.

The settlement voucher can be an electronic voucher, and after the settlement voucher is generated, the second device can send the settlement voucher to a mailbox of a corresponding seller or the seller can acquire the settlement voucher through code scanning; the second device may also print the settlement document directly, for example, when the second device is a POS machine, the settlement document may be printed directly, so that the vendor retains the paper document.

As shown in fig. 8, optionally, the method may further include:

s205, acquiring a seller settlement information inquiry request;

in this step, the inquiry request may be input through the second device, and the inquiry request may include vendor settlement card information, transaction date, vendor identity information, transaction amount and/or transaction serial number, etc.

S206, sending the seller settlement information inquiry request to the third equipment so that the third equipment inquires seller settlement information in a settlement information base according to the inquiry request;

in this step, before the second device sends the query request to the third device, the second device may add its own identity code to the query request, and then send the query request added with the second device identity code to the third device.

The seller settlement information in the settlement information base can comprise seller settlement card information, transaction date, seller identity information, transaction amount, transaction serial number, second equipment identity code and the like; the querying, by the third device, the seller settlement information in the settlement information base according to the query request may include:

the method comprises the steps of firstly, searching seller settlement information in a settlement information base according to (transaction date, second equipment identity code, transaction running water), (transaction date, second equipment identity code, seller settlement card information), and (transaction date, second equipment identity code and seller settlement card information), then merging the search results, checking whether a result set is empty, throwing errors for the empty, and sending the searched seller settlement information to the second equipment if the result set is not empty.

And S207, acquiring and displaying the seller settlement information obtained by the inquiry of the third equipment.

In the step, the second equipment acquires and displays the seller settlement information sent by the third equipment so that the user can consult and check the seller settlement information.

Optionally, after displaying the seller settlement information queried by the third device, the method further includes: and printing the settlement voucher of the target seller settlement information according to a settlement voucher printing request of the target seller settlement information in the displayed seller settlement information.

After the user refers to the displayed seller settlement information, one or more of the displayed seller settlement information can be selected as target seller settlement information, and a printing option provided by the second device is selected to request the second device to print a settlement voucher of the target seller settlement information. This feature of the second device may support reprinting of the settlement document when the seller's settlement document is lost.

After the second device obtains the printing request, a settlement certificate obtaining request can be generated according to the settlement information of the target seller, and the obtaining request is sent to the third device, so that the third device searches a settlement certificate corresponding to the settlement information of the target seller in a settlement certificate library and sends the settlement certificate to the second device for printing.

As shown in fig. 9, optionally, after displaying the seller settlement information queried by the third device, the method further includes:

s208, a revocation request for the target seller settlement information in the displayed seller settlement information is acquired;

in this step, after the user refers to the displayed seller settlement information, one or more of the displayed seller settlement information may be selected as target seller settlement information, and a revocation option provided by the second device may be selected to request the second device to revoke the target seller settlement information. When the seller needs to change the settlement information, the function of the second device can support the seller to independently withdraw the original settlement information, and then the second device resubmits the correct or latest settlement information.

S209, sending the revocation request to the third device, so that the third device performs revocation processing on the target seller settlement information in the settlement information base according to the revocation request.

After the second device obtains the revocation request, the revocation request is sent to the third device, so that the third device searches and revokes the target seller settlement information in the to-be-processed seller settlement information of the settlement information base according to the revocation request, and returns the revocation result to the second device in real time; the revocation processing of the target seller settlement information by the third device may specifically include: and re-marking the target seller settlement information as cancelled seller settlement information or deleting the target seller settlement information in the settlement information base.

Fig. 10 is a schematic flow chart of a transaction settlement method according to an embodiment of the present invention, and as shown in fig. 10, the transaction settlement method according to the embodiment of the present invention may be applied to a first device, and the method includes:

s301, obtaining a payment request;

in this step, the first device is configured to obtain a payment request input by a buyer and send the payment request to a third device, where the first device is a trusted device for the buyer, for example, the first device is a device owned by the buyer, and may be disposed in an office of the buyer, so as to facilitate the buyer to submit the payment request. The payment request may include vendor settlement card information, transaction amount, and purchaser identity information.

S302, the payment request is sent to a third device, so that the third device performs fund settlement processing according to the payment request and seller settlement information.

In this step, the first device may periodically collect payment requests and send the payment requests in bulk to the third device, and the specific process of the third device performing fund settlement processing according to the payment requests and the vendor settlement information may be referred to the description in the above embodiments, which is not described herein again.

The transaction settlement method provided by the embodiment of the invention has the advantages that the function of fund settlement is delivered to other credible institutions except the purchasing party to be executed, and the other credible institutions carry out multiple verification processing on information provided by both transaction parties during fund settlement, so that the safety and reliability of fund settlement work are ensured.

As shown in fig. 11, optionally, the sending the payment request to the third device so that the third device performs the fund settlement processing according to the payment request and the seller settlement information may include:

s3021, encrypting the payment request by using a second key to generate a payment ciphertext;

in this step, the second key may be related to identity information of the third device, for example, the second key may be a mailbox address or an ID number of the third device.

And S3022, sending the payment ciphertext to the third device, so that the third device decrypts the payment ciphertext by using the first key to obtain the payment request, and performing fund settlement processing according to the payment request and the seller settlement information.

In this step, the first device encrypts the payment request by using the second key and then sends the encrypted payment request to the third device, so that the security of information transmission can be improved, and potential safety hazards in fund settlement work can be reduced.

In order to better understand the present invention, the following takes a grain transaction scenario as an example to describe the transaction settlement method provided by the embodiment of the present invention.

As shown in fig. 12, an embodiment of the present invention provides a transaction settlement method, based on the transaction settlement system shown in fig. 13, where the transaction settlement system includes a grain management system, a trusted fund settlement system, and an intelligent POS; the transaction settlement method comprises the following steps:

1. after the weighing of the grain weighing at the grain station is finished, the grain seller submits settlement information such as personal settlement card number, grain selling amount and the like to the settlement system through the intelligent POS of the grain station.

The intelligent POS is an auxiliary device and a system for assisting the credible grain transaction fund settlement, a grain seller submits a grain transaction settlement information ciphertext to the credible fund settlement system through the intelligent POS, the intelligent POS mainly comprises a grain seller fund settlement card number, a grain sale amount, POS merchant information and the like, and a basis is provided for the credible fund settlement system to check a grain transaction institution. The intelligent POS and the credible fund settlement system mainly access an NAC gateway through the Internet, and mainly comprise functions of settlement information submission, settlement information inquiry, settlement information cancellation, settlement certificate printing and the like.

The grain management system is a grain transaction management system of a grain transaction institution to which the trusted fund system settlement system is connected, and is mainly responsible for summarizing grain receiving settlement summary information (including payment initiating institution codes, grain transaction institution codes, fund transaction settlement card numbers, account names, transaction amounts and other information) of institutions in charge to generate payment instruction ciphertexts, transmitting the payment instruction ciphertexts to the GTCG of the foreign Union of China through a private line and finally pushing the payment instruction ciphertexts to the trusted fund settlement system.

2. The credible fund settlement system calls an account information query API interface of a financial bank cloud service (business bank cloud service) to query the state of the fund settlement card, the information of the attributive customer and whether the account settlement card of the grain seller can support the financial transaction of the amount;

the credible fund settlement system is a core system for settling food transaction funds, is responsible for verifying payment instructions of a settlement system of a food transaction institution and transaction settlement information submitted by the intelligent POS, and utilizes an IBE algorithm and the settlement information submitted by the intelligent POS to authenticate the safety and reliability of the settlement instructions submitted by the food transaction institution.

And if the fund settlement card does not meet the requirements, timely feeding back related errors to the intelligent POS terminal.

3. If the fund settlement card meets the requirement, the credible fund settlement system receives the grain selling amount information submitted by the grain selling user, and the background calculates the grain selling weight by combining the grain selling unit price set by the grain management system, and judges whether the weight meets the agreed expert rule.

And if the weight does not accord with the agreed expert rule, prompting that the grain selling amount information of the intelligent POS terminal is wrong.

4. If the weight meets the agreed expert rules, the authentication is passed, and the settlement card and the information of the attributive customer are sensitized and fed back to the intelligent POS terminal.

5. After the credible fund settlement system feeds back settlement cards and information of the affiliated customers to the intelligent POS terminal after sensitization processing, the intelligent POS terminal automatically prints 2 settlement certificates, one grain seller retains the settlement certificates, and one grain station worker records the settlement certificates.

The grain selling user can inquire or supervise the fund settlement affair by the settlement certificate to any website of the administration of the industrial and commercial bank and any institution of the administration of the direct-belonging grain management system.

6. The directly owned library generates a payment instruction cryptograph after regularly auditing the grain receiving and settlement information on the day and submits the payment instruction cryptograph to the credible fund settlement system.

And the grain collection staff of the grain station inputs the settlement voucher into the grain collection system of the directly-affiliated storehouse to generate grain collection settlement information. In addition, the grain station staff needs to upload the original image of the settlement certificate of the grain seller, the original image of the gross weight measurement and the original image of the tare weight measurement to the grain receiving system, the auditor audits whether the data are consistent, if the data are consistent, the grain receiving system of the directly affiliated warehouse generates a payment instruction according to the grain receiving settlement information, and the grain receiving system of the directly affiliated warehouse encrypts the payment instruction into a ciphertext by using the identity information, such as the ID, of the credible fund settlement system and sends the ciphertext to the credible fund settlement system.

7. And after receiving the payment instruction ciphertext of the grain management system, the trusted fund settlement system decrypts the payment instruction ciphertext by using a private key acquired from the PKG.

And if the decryption fails, entering a payment result signature flow to throw abnormal information to a grain management system.

8. If the decryption is successful, the trusted fund settlement system analyzes the payment instruction message by using a dom4j method and checks the integrity of the payment instruction.

dom4 j: a set of DOM, SAX and JAXP framework assembly packages are comprehensively integrated on the basis of a Java platform, and the assemblies are widely applied to processing XML, XPath and XSLT files in a plurality of frameworks due to excellent performance, powerful functions, open sources and applicability, and are mainly realized by DOMReader, SAXReader and XMLWriter classes).

The instruction integrity authentication process is mainly used for checking the integrity and logic integrity of the payment instruction message by authentication:

and (3) message integrity checking: the complete payment instruction message contains necessary information such as transaction time, transaction flow, grain transaction mechanism and jurisdictional mechanism code information, grain seller settlement information (such as personal settlement card, identity card and account name), grain transaction amount and the like, and cannot be lost.

And (3) logical integrity checking: as most payment instructions are submitted in batch, the invention also sets the total transaction number, the total transaction amount, the byte length of the instruction message and other authentications in the instruction message to respectively perform summary authentication on the number, the amount and the byte length of the detail message.

9. After passing the order integrity check, the trusted funds settlement system inserts the payment order details into the database.

In order to realize the trusted payment of the trusted fund settlement system, before the fund payment process, a payment trusted authentication process is newly added in the embodiment, and the process mainly authenticates the following information:

1) and (3) initiating mechanism authentication: the credible settlement system sets a white list for the grain transaction mechanism and the administrative agency of the partner side, and the fund settlement system automatically verifies the code information of the grain transaction mechanism and the administrative agency in the payment instruction and checks and authenticates the white list.

2) And (3) authentication of settlement information: after the credible settlement system receives the payment instruction of the settlement system, whether the POS flow table has the same settlement card and the related information of settlement amount or not is dynamically searched by using the settlement information in the payment instruction. If yes, further checking whether the identity card and the house name are consistent; if no corresponding running water exists, the payment instruction is suspicious and returns to the food transaction institution for reprocessing.

3) And (4) repeating payment authentication: in order to prevent the grain transaction mechanism from repeatedly pushing payment information, the settlement system firstly inquires whether the payment transaction flow table has payment success of the same transaction flow or a payment instruction to be paid, and if yes, corresponding error information is returned. In addition, in order to further prevent the internal risk of the grain transaction mechanism, the settlement system further verifies whether the POS pipelining has the same settlement information and is to be paid, and the POS pipelining party which has the same settlement information and is to be paid can pay.

Whether the authentication is successful or failed in the process, the credible fund settlement system feeds back corresponding authentication result information to the grain management system. In order to enhance the security of the data transmission result, the trusted fund settlement system signs the processing result abstract by using the private key, attaches the signature to the result message and returns the result message.

10. After the authentication is successful, in order to ensure that the grain seller can receive settlement funds in time, the system automatically inquires whether the balance of the corresponding settlement account of the direct library submitting the payment instruction is sufficient. If the payment instruction is sufficient, the settlement system directly generates a payment instruction to enter a queue to be paid, and waits for the branch regular scheduling task to start payment, if the payment instruction is insufficient, a transfer instruction from the appointed reserve money account to the grain transaction settlement account is generated before the settlement system generates the payment instruction to enter the queue to be paid.

If the grain transaction settlement information of the grain seller is submitted overtime or the settlement voucher is lost and the like, the information of a settlement card, the identity card of the grain seller, the grain sale amount and the like can be input at the intelligent POS terminal for inquiry, and the appointed grain transaction voucher is printed again. The background query principle is as follows: firstly, searching a POS transaction set to be processed according to (transaction date, POS commercial tenant, POS transaction stream), (transaction date, POS commercial tenant, identity card), (transaction date, POS commercial tenant and settlement card number) respectively; and then merging the transaction result sets, checking whether the result set is empty, and throwing errors for the empty result set.

After the grain seller submits the grain transaction settlement information to the settlement system through the intelligent POS terminal, if the grain seller needs to change the settlement information, the original settlement information can be automatically cancelled, and then the grain seller submits the settlement information again through the intelligent POS terminal.

As shown in fig. 14, the grain management system, the trusted fund settlement system, or the intelligent POS in this embodiment may perform encryption and decryption by using an IBE algorithm principle, for example, a public key used for encryption in the data transmission process may be generated by using information related to the user identity, such as a mailbox address, an ID number, and the like, and the encryption algorithm may well solve the problems of public key management and validity verification by an asymmetric encryption algorithm. The main flow of data transmission is as follows:

1. before a data sender (ZSK) sends data to a data receiver (ICBCJX), the identity information of the data receiver (ICBCJX) is used as a public key to encrypt the sending data into a ciphertext.

2. The data receiving party (ICBCJX) contacts the private key generator PKG before data transmission to obtain the private key of the identity of the data receiving party (ICBCJX).

3. And the data sender (ZSK) sends the ciphertext to the data receiver (ICBCJX), and the data receiver (ICBCJX) converts the ciphertext into the plaintext by using the private key acquired in the step 2 after receiving the ciphertext data, otherwise, the data receiver fails.

4. After the data receiver (ICBCJX) is processed, firstly, the HASH function is used for generating an abstract of a return result, then, a private key is used for signing the abstract, and the signature is attached to a result message and returned to the data sender (ZSK)

5. And the data sender (ZSK) decrypts the received signature by using an identity public key (ICBCJX) to obtain a summary 1, and simultaneously generates a summary 2 again for the received result by using a HASH function, and compares the summary 1 with the summary 2, and if the two are the same, the returned result is proved to be credible.

The fund settlement system and the fund settlement method provided by the embodiment realize automatic settlement of food transaction funds, and further have the following effects and advantages:

1. the safety is obviously improved: the IBE algorithm can realize identity authentication on the terminal of the access settlement system, and can detect the integrity and reliability of data information transmitted to the settlement system by the terminal, thereby greatly improving the transaction security of the settlement system.

2. The convenience is greatly improved: grain transaction, grain transaction settlement information submission, grain transaction settlement information inquiry, grain transaction settlement information cancellation and the like of grain sellers are all completed in grain stations, and repeated reciprocating movement between the directly-affiliated storehouses and the grain stations is not needed.

3. The payment efficiency is obviously improved: after the grain station staff submits the grain transaction settlement information to the related staff of the affiliated warehouse for successful audit, the settlement system supports the settlement account to automatically complete payment of the underlying money under the condition of insufficient balance, the settlement system supports payment for 7 multiplied by 24 hours, the large amount is not limited, and the settlement efficiency of the grain selling fund is greatly improved.

4. Financial management is greatly simplified: the financial management personnel of the directly affiliated warehouse only need to check whether the data of the workers of the grain station are correct or not and submit the payment of the settlement system, so that the operations of cash access, cash payment, cash management and the like are avoided, and the workload of the financial personnel is greatly reduced.

Fig. 15 is a schematic structural diagram of a transaction settlement apparatus according to an embodiment of the present invention, and as shown in fig. 15, the transaction settlement apparatus according to the embodiment of the present invention includes: the method comprises the following steps:

a first obtaining module 41, configured to obtain a payment request sent by a first device;

and a settlement processing module 42, configured to perform fund settlement processing according to the payment request if the settlement information base has the seller settlement information that matches the payment request, where the seller settlement information in the settlement information base is from the second device.

According to the transaction settlement device provided by the embodiment of the invention, a seller only needs to upload seller settlement information through the second equipment arranged on a transaction site or all the second equipment of the seller, and the third equipment can perform automatic fund settlement processing according to the seller settlement information and the payment request sent by the first equipment, so that the transaction fund settlement device improves the convenience of transaction fund settlement compared with the conventional cash settlement method; and the third equipment carries out fund settlement on the transaction after the information provided by the transaction parties (the house purchasing party and the seller) is successfully matched, so that the safety and the reliability of the fund settlement are ensured.

Optionally, the apparatus further comprises:

the settlement processing module is specifically configured to:

Optionally, the saving module includes:

Optionally, the apparatus further comprises:

Optionally, the first obtaining module is specifically configured to:

The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing procedure of the above embodiment of the transaction settlement method applied to the third device, and the functions of the apparatus are not described herein again, and refer to the detailed description of the above embodiment of the method.

Fig. 16 is a schematic structural diagram of a transaction settlement apparatus according to an embodiment of the present invention, and as shown in fig. 16, the transaction settlement apparatus according to the embodiment of the present invention includes: the method comprises the following steps:

a first obtaining module 51, configured to obtain seller settlement information;

and a first sending module 52, configured to send the seller settlement information to a third device, so that the third device performs fund settlement processing according to the payment request and the seller settlement information.

According to the transaction settlement device provided by the embodiment of the invention, a seller only needs to upload seller settlement information through the second equipment arranged on a transaction site or all the second equipment of the seller, and the third equipment can perform automatic fund settlement processing according to the seller settlement information and a payment request.

the device further comprises:

Optionally, the apparatus further comprises:

The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing procedure of the above embodiment of the transaction settlement method applied to the second device, and the functions of the apparatus are not described herein again, and reference may be made to the detailed description of the above embodiment of the method.

Fig. 17 is a schematic structural diagram of a transaction settlement apparatus according to an embodiment of the present invention, and as shown in fig. 17, the transaction settlement apparatus according to the embodiment of the present invention includes: the method comprises the following steps:

an obtaining module 61, configured to obtain a payment request;

and a sending module 62, configured to send the payment request to a third device, so that the third device performs a fund settlement process according to the payment request and the vendor settlement information.

The transaction settlement device provided by the embodiment of the invention has the advantages that the function of fund settlement is delivered to other credible institutions except the purchasing party to be executed, and the other credible institutions carry out verification processing on the information provided by both transaction parties during fund settlement, so that the safety and reliability of fund settlement work are ensured.

Optionally, the sending module is specifically configured to:

Embodiments of the apparatus provided in the embodiments of the present invention may be specifically configured to execute the processing flows of the method embodiments applied to the first device, and the functions of the apparatus are not described herein again, and refer to the detailed description of the method embodiments.

It should be noted that the method and apparatus for transaction settlement provided by the embodiment of the present invention can be used in the financial field or the information security field, and can also be used in any technical field except the financial field.

Fig. 18 is a schematic entity structure diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 18, the electronic device may include: a processor (processor)701, a communication Interface (Communications Interface)702, a memory (memory)703 and a communication bus 704, wherein the processor 701, the communication Interface 702 and the memory 703 complete communication with each other through the communication bus 704. The processor 701 may call logic instructions in the memory 703 to perform a method according to any of the embodiments described above.

In addition, the logic instructions in the memory 703 can be implemented in the form of software functional units and stored in a computer readable storage medium when the software functional units are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The present embodiments disclose a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the methods provided by the above-described method embodiments.

The present embodiment provides a computer-readable storage medium storing a computer program that causes a computer to execute the method provided by the above-described method embodiments.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention 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 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.

In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A method of settling a transaction, comprising:

acquiring a payment request sent by first equipment;

2. The method of claim 1, wherein prior to obtaining the payment request sent by the first device, the method further comprises:

acquiring seller settlement information sent by the second equipment;

3. The method of claim 1 or 2, wherein the vendor settlement information includes vendor settlement card information and transaction amount; the payment request comprises seller settlement card information, transaction amount and buyer identity information;

4. The method of claim 3, wherein said saving said vendor settlement information to said settlement information store comprises:

5. The method of claim 4, further comprising:

6. The method of claim 4, wherein the determining whether the current transaction meets a preset transaction rule according to the transaction amount comprises:

7. The method of claim 1, wherein obtaining the payment request sent by the first device comprises:

8. A transaction settlement apparatus, comprising:

9. The apparatus of claim 8, wherein the first obtaining module is specifically configured to:

10. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 7 are implemented when the computer program is executed by the processor.

11. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.