A communication method for instant settlement of online sales based on assignment loading

Abstract

A communication method for real-time settlement of online sales based on assignment loading, which solves the problem that the server can implement services or products displayed by scattered merchants after the recordation and certification of the acquirer, and the payment can be completed online once and multi-party real-time settlement. The technical solution is , in this communication method, (1) adding an authenticated real-time settlement server, the communication method includes: the real-time settlement server sets the agreed logic operation formula, start and end time, and verification information in a specific sales settlement event; Send it to the server, ⑶, the channel party sends the associated event and account information to the server, ⑷, the server assigns and loads, generates a QR code or SMS and sends it to the channel party terminal; ⑸, the channel party sends the QR code or SMS to the consumer (6) The consumer confirms and pays according to the QR code or SMS; (7) The payment acquirer makes settlement to the receiving account. The beneficial effect is that it is convenient to implement the display of scattered merchants, complete payment at one time, real-time settlement by multiple parties, resolve disputes or trust crises among all parties, and mobilize the enthusiasm of channel parties to participate in sales.

Description

technical field [0001] The invention belongs to the technical field of network communication, in particular to a communication method for instant settlement of online sales based on assignment loading. Background technique [0002] With the continuous development of network technology, there are many sales forms combining online sales and bank networks in the existing technology. Using the network to realize the sales of services or products and online payment has become a habit of people's consumption and a safe and fast payment method. In the prior art, when purchasing services and shopping online, the introduction of service content or products and the payment and settlement of post-purchase fees have the following forms: [0003] 1. Purchasing services and shopping and payment need to be processed separately, such as confirming the purchase online and then paying by bank transfer or third-party payment (such as Taobao). This form of purchase and payment is completed by ...

AI Technical Summary

Problems solved by technology

This form of purchase and payment is completed by consumers through different channels, which brings a lot of inconvenience to consumers

[0004] 2. The purchase of services and shopping and payment are completed step by step in the same display background, that is, the link of payment and payment is set on the interface of purchasing services and shopping. The qualification documents of the buyer shall be approved and filed by the acquirer. This scheme is applicable to the sale of a single service or product, and the service and product cannot be changed frequently, and cannot adapt to the multi-variety and small-scale service or product sales of scattered merchants. Time-consuming and labor-intensive increase in sales costs, poor flexibility

[0005] 3. Neither of the above two forms can adapt to the immediate settlement of the payment fees of the channel party in the sales process, and the channel party can only gain profits by setting up another settlement channel or settlement after the event, causing a crisis of trust between the merchant and the channel party, which is not conducive to channel mobilization The enthusiasm of the parties to participate in the sales, in reality, the merchants and the channel parties often have economic disputes caused by the merchant’s principal or the channel’s commission, especially when there are multiple channel parties, the above-mentioned economic disputes become more complicated

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