Intelligent payment service fee pricing engine

Abstract

The invention discloses an intelligent payment service charge pricing engine, which comprises the following steps of S01, acquiring network access registration information of a merchant, and configuring a basic service charge package according to the registration information; s02, according to the pricing parameter or / and the user data analysis condition, determining a merchant service fee package; s03, carrying out service charge calculation regularly according to the service charge package of the merchant; s04, performing confirmation by bank management personnel based on the total commission fee calculated and obtained by the commission fees in the above steps; and S05, according to the service fee package and the total service fee, performing reduction or return processing according to the cedar service fee. The intelligent payment service charge pricing engine provided by the invention not only can stimulate the commercial tenant to continuously improve the operation condition of the commercial tenant, but also can save the marketing cost of the bank, exert the maximum value of the same resources and bring high-quality commercial tenants to the bank.

Description

Technical Field

[0001] The present invention relates to the technical field of electronic payment, and in particular to an intelligent payment fee pricing engine. Background Art

[0002] From the time the acquiring merchant joins the network, the merchant fee configuration is involved throughout the merchant's entire life cycle, including payment channel opening, payment product rate configuration, payment product settlement cycle configuration, etc., and also involves the differentiated allocation of merchant fees at different stages. The existing model is mostly that bank managers manually configure fee packages for merchants, and the packages cannot be dynamically adjusted according to business development. The overall operation lacks flexibility and convenience, and it is impossible to link business with data such as marketing data and merchant rating results of the integrated acquiring system. Summary of the invention

[0003] The purpose of the present invention is to provide an intelligent payment fee pricing engine, which solves the problems of single type of existing merchant fee packages, low convenience of fee allocation, and weak linkage with data such as marketing data of the acquiring system and merchant rating results.

[0004] In order to achieve the above object, the present invention provides the following technical solutions: An intelligent payment fee pricing engine includes the following steps: S01. Obtain the merchant's network registration information, and configure a basic fee package according to the registration information; S02. Determine the merchant fee package based on pricing parameters and / or user data analysis; S03. Calculate the handling fee regularly according to the merchant handling fee package; S04. The total amount of handling fees calculated based on the above steps is confirmed by the bank manager; S05. Processing shall be carried out according to the fee package and the total fee amount in accordance with the Shanshu fee reduction or refund.

[0005] Preferably, before executing step S01, the bank manager configures the basic fee package, the smart fee reduction package and the customized fee package in advance, wherein: The basic handling fee package is any one of the basic handling fee package, the smart reduction package and the customized handling fee package.

[0006] Preferably, the setting of the basic fee package is based on whether the merchant's average daily demand deposit limit exceeds the average daily demand deposit limit preset by the bank manager. If it is greater than or equal to, the fee will be fully refunded; if it is less than, the full amount of the scheduled package fee will be charged.

[0007] Preferably, the setting of the smart reduction package is based on the final score of the merchant, which is divided into five levels, and a handling fee rate matching any level is set; Said final score is scored as per the agreed bank policy.

[0008] Preferably, the setting of the customized service fee package is based on the setting of the bank manager according to the merchant's average daily demand deposit amount, and the setting parameters are: the merchant's average daily demand deposit: M million (inclusive) or more, N% of the previous month's service fee will be returned, and N% does not exceed Z yuan, where: M is an integer ranging from 0 to 999999999; N is 0 to 100; Z is a positive integer.

[0009] Preferably, before determining the merchant fee package in step S02, in step S01, the bank management personnel configure the basic fee package after the merchant joins the network, and then re-evaluate the merchant based on the merchant transaction situation and merchant rating to determine the merchant fee package with the intelligent reduction package.

[0010] Preferably, the execution of step S03, step S04 and step S05 requires confirmation by bank management personnel before continuing.

[0011] In the above technical scheme, the intelligent payment fee pricing engine provided by the present invention has the following beneficial effects: it enables the fee to be dynamically adjusted based on merchant contribution parameters such as merchant demand deposits, transaction amounts, intermediary business income, merchant ratings, and marketing conditions while meeting compliance and profitability. This can not only encourage merchants to continuously improve their own operations, but also save bank marketing costs, maximize the value of equivalent resources, and bring high-quality merchants to the bank. BRIEF DESCRIPTION OF THE DRAWINGS

[0012] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present invention. For ordinary technicians in this field, other drawings can also be obtained based on these drawings.

[0013] Figure 1 A schematic diagram of the process structure provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0014] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0015] like Figure 1 As shown, a smart payment fee pricing engine includes the following steps: S01. Obtain the merchant's network registration information and configure the basic fee package according to the registration information; S02. Determine the merchant fee package based on pricing parameters and / or user data analysis; S03. Regularly calculate the handling fee according to the merchant handling fee package; S04. The total amount of handling fees calculated based on the above steps is confirmed by the bank manager; S05. Processing shall be carried out according to the fee package and the total fee amount in accordance with the Shanshu fee reduction or refund.

[0016] Furthermore, before executing step S01, the bank manager configures the basic fee package, the smart fee reduction package and the customized fee package in advance, wherein: The basic handling fee package is any one of the basic handling fee package, smart reduction package and customized handling fee package.

[0017] In the above embodiment, the setting of the basic package of handling fees is based on whether the merchant's average daily demand deposit amount exceeds the average daily demand deposit amount preset by the bank management personnel. If it is greater than or equal to, the handling fee will be refunded in full; if it is less than, the full amount of the scheduled package fee will be charged.

[0018] In the above embodiment, the setting of the smart reduction package is based on the final score of the merchant, which is divided into five levels, and a handling fee rate matching any level is set; The final score is scored as per the agreed bank policy.

[0019] In the above embodiment, the setting of the customized fee package is based on the bank manager's setting according to the merchant's average daily demand deposit amount. The setting parameters are: the merchant's average daily demand deposit: M million (inclusive) or more, N% of the previous month's fee will be returned, and N% does not exceed Z yuan, where: M is an integer ranging from 0 to 999999999; N is 0 to 100; Z is a positive integer.

[0020] Furthermore, before determining the merchant fee package in step S02, in step S01, the bank manager will configure the basic fee package after the merchant joins the network, and then re-evaluate the merchant based on the merchant transaction situation and merchant rating to determine the merchant fee package with the intelligent reduction package.

[0021] Furthermore, during the execution of step S03, step S04 and step S05, the bank manager needs to confirm before continuing.

[0022] It should be noted that the bank management personnel in the above embodiments may be counter staff or bank account managers, etc.

[0023] In the above technology, by configuring a variety of fee package types, such as basic fee packages, smart fee reduction packages, customized fee packages, etc.; the merchant can be dynamically allocated customized packages based on pricing parameters such as the merchant's average daily demand deposits, intermediary business income, or business linkage with the integrated acquiring system's rating results of the merchant, marketing conditions (such as whether it is a new merchant entry discount, merchant special reward activities), etc.; the integrated acquiring system regularly runs batches to obtain the merchant's fee pricing information, and then calculates the fee package; after the account manager and other bank employees confirm that the fee is correct, the fee will be refunded or directly reduced or exempted. It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0024] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0025] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0026] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0027] The present invention uses specific embodiments to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core idea. At the same time, for those skilled in the art, according to the idea of ​​the present invention, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present invention.

[0028] The embodiments of the present application also provide a specific implementation of an electronic device capable of implementing all steps of the method in the above embodiments, and the electronic device specifically includes the following contents: Processor, memory, communications interface and bus; Wherein, the processor, memory, and communication interface communicate with each other via the bus; The processor is used to call the computer program in the memory, and when the processor executes the computer program, all the steps in the method in the above embodiment are implemented.

[0029] The embodiments of the present application also provide a computer-readable storage medium capable of implementing all the steps of the method in the above embodiments, wherein a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, all the steps of the method in the above embodiments are implemented.

[0030] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the hardware + program embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. Although the embodiment of this specification provides the method operation steps as described in the embodiment or flowchart, more or fewer operation steps may be included based on conventional or non-creative means. The order of steps listed in the embodiment is only one way of executing the order of many steps, and does not represent the only execution order. When the device or terminal product in practice is executed, it can be executed in sequence or in parallel according to the method shown in the embodiment or the accompanying drawings (for example, a parallel processor or a multi-threaded processing environment, or even a distributed data processing environment). The term "include", "comprise" or any other variant thereof is intended to cover non-exclusive inclusion, so that the process, method, product or device including a series of elements includes not only those elements, but also includes other elements that are not explicitly listed, or also includes elements inherent to such process, method, product or device. In the absence of more restrictions, it is not excluded that there are other identical or equivalent elements in the process, method, product or device including the elements. For the convenience of description, the above device is described by dividing it into various modules according to its functions. Of course, when implementing the embodiments of this specification, the functions of each module can be implemented in the same or more software and / or hardware, or the module implementing the same function can be implemented by a combination of multiple sub-modules or sub-units. The device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms. The present invention is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present invention. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the process Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0031] Those skilled in the art should understand that the embodiments of this specification can be provided as methods, systems or computer program products. Therefore, the embodiments of this specification can be in the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware. Moreover, the embodiments of this specification can be in the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes. Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. In the description of this specification, the description of the reference term "one embodiment", "some embodiments", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the embodiment of this specification.

[0032] In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. In addition, those skilled in the art may combine and combine the different embodiments or examples described in this specification and the features of the different embodiments or examples, without contradicting each other. The above is only an embodiment of the embodiment of this specification and is not intended to limit the embodiment of this specification. For those skilled in the art, the embodiment of this specification may have various changes and variations. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the embodiment of this specification shall be included in the scope of the claims of the embodiment of this specification.

Claims

1. An intelligent payment fee pricing engine, characterized in that: The following steps are involved: S01. Obtain the merchant's network registration information, and configure a basic fee package according to the registration information; S02. Determine the merchant fee package based on pricing parameters and / or user data analysis; S03. Calculate the handling fee regularly according to the merchant handling fee package; S04. The total amount of handling fees calculated based on the above steps is confirmed by the bank manager; S05. Processing shall be carried out according to the fee package and the total fee amount in accordance with the Shanshu fee reduction or refund.

2. According to claim 1, a smart payment fee pricing engine is characterized in that: Before executing step S01, the bank manager configures the basic fee package, the smart fee reduction package and the customized fee package in advance, wherein: The basic handling fee package is any one of the basic handling fee package, the smart reduction package and the customized handling fee package.

3. According to claim 2, a smart payment fee pricing engine is characterized in that: The setting of the basic fee package is based on whether the merchant's average daily demand deposit limit exceeds the average daily demand deposit limit preset by the bank manager. If it is greater than or equal to, the fee will be fully refunded; if it is less than, the fee will be charged in full according to the scheduled package fee.

4. The intelligent payment fee pricing engine according to claim 2, characterized in that: The setting of the smart reduction package is based on the final score of the merchant, which is divided into five levels, and a handling fee rate matching any level is set; Said final score is scored as per the agreed bank policy.

5. The intelligent payment fee pricing engine according to claim 2, characterized in that: The setting of the customized service fee package is based on the setting of the bank manager according to the merchant's average daily demand deposit amount, and the setting parameters are: the merchant's average daily demand deposit is M million (inclusive) or more, and N% of the previous month's service fee is returned, and N% does not exceed Z yuan, where: M is an integer ranging from 0 to 999999999; N is 0 to 100; Z is a positive integer.

6. The intelligent payment fee pricing engine according to claim 1, characterized in that: Before determining the merchant fee package in step S02, in step S01, the bank manager will configure the basic fee package after the merchant joins the network, and then re-evaluate the merchant based on the merchant transaction situation and merchant rating to determine the merchant fee package with the intelligent reduction package.

7. The intelligent payment fee pricing engine according to claim 1, characterized in that: During the execution of step S03, step S04 and step S05, the bank manager needs to confirm before continuing.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the steps of the intelligent payment fee pricing engine described in any one of claims 1 to 7 are implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the intelligent payment fee pricing engine described in any one of claims 1 to 7 are implemented.

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