A method and device for managing split accounts

Abstract

The present invention discloses an account splitting management method and device, which relates to the field of secondary clearing. A specific implementation of the method includes: receiving an account splitting request for a contracted market in the platform, and obtaining the order record of the market in the previous time period from the payment order component according to the number of the market; determining the total transaction amount in the order record, so as to transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform; and processing the total transaction amount using the market-level account splitting strategy corresponding to the market to obtain the account splitting details. This implementation splits the account splitting task into multiple automatic tasks, each of which can handle independent events, so as to flexibly respond to complex and changeable account splitting business scenarios, and better respond to changes if there are new requirements.

Description

Technical Field

[0001] The present invention relates to the field of secondary clearing, and in particular to an account management method and device. Background Art

[0002] Secondary clearing refers to the behavior of professional markets connecting to licensed institutions in the form of platforms or large merchants, retaining merchant settlement funds, and conducting merchant fund clearing on their own. For professional markets in various industries that do not have payment business licenses but need unified cashiering, third-party institutions (such as banks) are required to supervise the account division of their funds under the policy requirements of the People's Bank of China.

[0003] When professional markets in different industries conduct business, there are many differences in their application scenarios. These differences will make account splitting management extremely complicated, which is generally reflected in the two aspects of payment collection form and payment splitting strategy. For example, for chain convenience stores, restaurants, etc., their payment splitting strategies are relatively fixed, and only the enterprise group and the store itself have relatively clear payment collection flow; for large offline shopping malls, the payment splitting strategy needs to be differentiated according to the type of goods, and the payment collection flow is also concentrated by floor or sales area; for online e-commerce platforms, the payment splitting strategy cannot be fixed and needs to be refined to the transaction level, and a single merchant will collect the payment uniformly; for other industries, there are also differences such as consumer coupons, points, arrival notifications, in-transit confirmations, and automatic deductions.

[0004] In the process of implementing the present invention, the inventors found that the prior art has at least the following problems:

[0005] The existing account splitting strategy is only set up for a single market. After the user pays the merchant, the payment amount is collected and managed uniformly by the market. It has a single dimension and simple rules. Faced with the complex and ever-changing professional market application scenarios in various industries, it is not universal and has low flexibility.

[0006] Therefore, in order to better meet business needs and ensure the rapid development and implementation of the business, it is necessary to set up a multi-scenario account management method to provide compliant, secure, automatic and convenient financial services. Summary of the invention

[0007] In view of this, an embodiment of the present invention provides an account splitting management method and device, which can at least solve the problem that the existing account splitting strategy is not universal.

[0008] To achieve the above object, according to one aspect of an embodiment of the present invention, a method for managing sub-accounts is provided, comprising:

[0009] Receive a request for splitting an account of a contracted market in the platform, and obtain order records of the market in the previous time period from the payment order component according to the market number;

[0010] Determine the total transaction amount in the order record, so as to transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

[0011] The transaction amount is processed using a market-level account splitting strategy corresponding to the market to obtain account splitting details.

[0012] Optionally, the order record is in a balancing state;

[0013] Before determining the transaction amount in the order record, the method further includes:

[0014] According to the number of the market, obtaining a statement of the market in the previous time period from the bank acquiring component; wherein the statement is used to record the payment transaction information that has been received;

[0015] Compare the transaction amounts of the same serial number in the statement and the order record to see if they are the same. If they are the same, record the comparison result as a balanced state, otherwise record it as an unbalanced state.

[0016] Optionally, before the method of processing the transaction amount by using the market-level account splitting strategy corresponding to the market to obtain account splitting details, the method further includes:

[0017] In response to the market type selection operation, a market-level account splitting strategy list corresponding to the market type is extracted and displayed, and the selected market-level account splitting strategy is used as the market-level account splitting strategy for the market.

[0018] Optionally, the market types include at least: online payment e-commerce platforms, offline payment large and medium-sized new shopping malls, offline payment new chain brands, QR code payment small markets, offline payment large and medium-sized traditional markets, offline payment traditional chain brands, offline payment small markets, travel platforms with variable account sharing amounts, and employment matching platforms that support a three-tier structure.

[0019] Optionally, the using the market-level account splitting strategy corresponding to the market to process the transaction amount to obtain account splitting details includes: parsing a flow field in an order record to obtain additional item information, discount information and merchant information, and determining a merchant-level account splitting strategy corresponding to a merchant number in the merchant information;

[0020] By utilizing the market-level account splitting strategy and the merchant-level account splitting strategy, combined with the additional item information and the preferential information, the transaction amount in the order record is managed by account splitting to obtain the account splitting details for the merchant.

[0021] Optionally, before determining the merchant-level account splitting strategy corresponding to the merchant number in the merchant information, it also includes: in response to a type selection operation for the merchant, extracting and displaying a list of merchant-level account splitting strategies corresponding to the merchant type, and using the selected merchant-level account splitting strategy as the merchant-level account splitting strategy for the merchant.

[0022] Optionally, the utilizing the market-level account splitting strategy and the merchant-level account splitting strategy, in combination with the additional item information and the discount information, to perform account splitting management on the transaction amount in the order record, and obtaining account splitting details for the merchant, includes:

[0023] If the preferential information is associated with the merchant, the transaction amount is used as the account share amount for the merchant; or

[0024] If the preferential information is associated with the market, the sum of the transaction amount and the preferential amount in the preferential information is used as the share amount for the merchant.

[0025] Optionally, it also includes: if there is a chargeback record corresponding to the merchant, obtaining the chargeback amount in the chargeback record, and taking the difference between the split amount and the chargeback amount as the split amount for the merchant.

[0026] Optionally, the method further includes: if the transaction field in the order record includes a split account date, using the split account date as the settlement date for the split account amount; or

[0027] If the merchant and / or the market has terminated the contract, or the order record has been split, the current date will be used as the settlement date for the split amount; or

[0028] The account splitting date is calculated using the account splitting rule. If the calculated account splitting date is less than the current date, the current date is used as the settlement date for the account split amount. Otherwise, the calculated account splitting date is used as the settlement date for the account split amount.

[0029] Optionally, after obtaining the account splitting details for the merchant, the method further includes:

[0030] When the settlement date is reached, the split amount is stored in the merchant's virtual account, and the account balance in the virtual account is updated;

[0031] When a predetermined time point is reached or the account balance reaches a predetermined value, the account balance is transferred from the virtual account to the settlement account of the merchant; wherein the virtual account and the settlement account have a binding relationship.

[0032] To achieve the above object, according to another aspect of an embodiment of the present invention, there is provided an account management device, comprising:

[0033] A receiving module, used to receive a request for splitting an account of a contracted market in the platform, and obtain order records of the market in the previous time period from the payment order component according to the number of the market;

[0034] An account adjustment module, used to determine the total transaction amount in the order record, so as to adjust the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

[0035] The account splitting module is used to process the transaction amount using a market-level account splitting strategy corresponding to the market to obtain account splitting details.

[0036] Optionally, the order record is in a balancing state;

[0037] The method further comprises a comparison module, which is used to:

[0038] According to the number of the market, obtaining a statement of the market in the previous time period from the bank acquiring component; wherein the statement is used to record the payment transaction information that has been received;

[0039] Compare the transaction amounts of the same serial number in the statement and the order record to see if they are the same. If they are the same, record the comparison result as a balanced state, otherwise record it as an unbalanced state.

[0040] Optionally, it also includes a first selection module, which is used to: in response to the type selection operation of the market, extract and display the list of market-level account splitting strategies corresponding to the market type, and use the selected market-level account splitting strategy as the market-level account splitting strategy of the market.

[0041] Optionally, the market types include at least: online payment e-commerce platforms, offline payment large and medium-sized new shopping malls, offline payment new chain brands, QR code payment small markets, offline payment large and medium-sized traditional markets, offline payment traditional chain brands, offline payment small markets, travel platforms with variable account sharing amounts, and employment matching platforms that support a three-tier structure.

[0042] Optionally, the account splitting module is used to: parse a flow field in an order record to obtain additional item information, discount information and merchant information, and determine a merchant-level account splitting strategy corresponding to a merchant number in the merchant information;

[0043] By utilizing the market-level account splitting strategy and the merchant-level account splitting strategy, combined with the additional item information and the preferential information, the transaction amount in the order record is managed by account splitting to obtain the account splitting details for the merchant.

[0044] Optionally, a second selection module is also included, which is used to: in response to the type selection operation of the merchant, extract and display the list of merchant-level account splitting strategies corresponding to the merchant type, and use the selected merchant-level account splitting strategy as the merchant-level account splitting strategy of the merchant.

[0045] Optionally, the account splitting module is used to: if the preferential information is associated with the merchant, use the transaction amount as the account splitting amount for the merchant; or

[0046] If the preferential information is associated with the market, the sum of the transaction amount and the preferential amount in the preferential information is used as the share amount for the merchant.

[0047] Optionally, an adjustment module is also included, which is used to: if there is a chargeback record corresponding to the merchant, obtain the chargeback amount in the chargeback record, and use the difference between the split amount and the chargeback amount as the split amount for the merchant.

[0048] Optionally, a settlement date module is further included, which is used to: if the serial number field in the order record includes a split account date, use the split account date as the settlement date for the split account amount; or

[0049] If the merchant and / or the market has terminated the contract, or the order record has been split, the current date will be used as the settlement date for the split amount; or

[0050] The account splitting date is calculated using the account splitting rule. If the calculated account splitting date is less than the current date, the current date is used as the settlement date for the account split amount. Otherwise, the calculated account splitting date is used as the settlement date for the account split amount.

[0051] Optionally, it also includes a cash withdrawal module, which is used to: store the split amount into the virtual account of the merchant when the settlement date is reached, and update the account balance in the virtual account;

[0052] When a predetermined time point is reached or the account balance reaches a predetermined value, the account balance is transferred from the virtual account to the settlement account of the merchant; wherein the virtual account and the settlement account have a binding relationship.

[0053] To achieve the above objective, according to another aspect of an embodiment of the present invention, an electronic device for account management is provided.

[0054] The electronic device of an embodiment of the present invention includes: one or more processors; a storage device for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors implement any of the above-mentioned account management methods.

[0055] To achieve the above objective, according to another aspect of an embodiment of the present invention, a computer-readable medium is provided, on which a computer program is stored, and when the program is executed by a processor, any of the above-mentioned account management methods is implemented.

[0056] According to the solution provided by the present invention, one embodiment of the above invention has the following advantages or beneficial effects: an account management method that adapts to multiple scenarios is designed, which can efficiently respond to the changing account strategies of the market and merchants, and the user connection is simple, ensuring the flexibility of business adaptation and rapid development and implementation, thereby improving the intelligence, real-time and practicality of account management.

[0057] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0058] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0059] Figure 1 This is a schematic diagram of the main process of a method for managing split accounts according to an embodiment of the present invention;

[0060] Figure 2 is a flowchart of an optional account management method according to an embodiment of the present invention;

[0061] Figure 3 is a flowchart of another optional account management method according to an embodiment of the present invention;

[0062] Figure 4 2 is a schematic diagram of main modules of an account management device according to an embodiment of the present invention;

[0063] Figure 5 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0064] Figure 6 It is a schematic diagram of the structure of a computer system of a mobile device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0065] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0066] See also Figure 1, which shows a main flow chart of an account management method provided by an embodiment of the present invention, including the following steps:

[0067] S101: receiving a bill splitting request for a contracted market in the platform, and obtaining order records of the market in the previous time period from the payment order component according to the market number;

[0068] S102: Determine the total transaction amount in the order record, and transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

[0069] S103: Processing the transaction amount using a market-level account splitting strategy corresponding to the market to obtain account splitting details.

[0070] In the above implementation, for step S101, the account splitting strategy usually exists as a part of a product function. The professional market settlement platform (hereinafter referred to as the platform) in this solution manages the account splitting needs of various markets, provided that these markets have completed the registration / contract operation in the platform, and there is at least one merchant in each market, such as a restaurant or clothing store in a large offline shopping mall.

[0071] The trigger action of splitting accounts in a market on the platform can be triggered by a user click or by the platform at a scheduled time. The core of splitting accounts is to run batch automatic tasks, that is, to reconcile all the acquiring transactions in the previous time period (such as 12 hours, 24 hours, etc., described here in days), and then collect the funds to be split, and perform splitting operations according to the user-defined splitting strategy.

[0072] The core of batch processing is to generate a general ledger and check it, or to conduct large-scale transactions, such as interest settlement, provision, collection and payment, etc., or to generate reports, flow data, etc. That is, the number of settlements and settlement time points per day, generally around 10 to 12 o'clock. In terms of days, since the settlement between the acquiring system and the People's Bank of China usually occurs in the early morning of the next day, the automatic batch processing task can be set at 8 o'clock the next day to start processing the transactions of the previous day.

[0073] Each market on the platform has its own number. By scanning / querying the market number, you can obtain the previous day's statement for the market from the bank's acquiring component; the statement records all payment transaction information that has been received on the previous day.

[0074] It should be noted that this solution relies on an external third party to complete the acquiring operation. The statement here is stored in the bank's acquiring component, not the market's acquiring component in the existing solution. This reduces the requirements for market acquiring and improves the universality of the solution.

[0075] The market statement obtained on the previous day will be stored in the directory ** / nas / rncy / file / date / market number / , and the file is in text format.

[0076] This task uses basic methods such as fileInputStream in Java to read the obtained statement and store it in the "Acquiring Reconciliation Details Table" of the database. At the same time, the order information in the payment order component of the platform on the previous day is also stored in the "Platform Reconciliation Details Table". Then, the transaction amounts in the same serial number field in the two tables are checked for matching. If they are the same, they are recorded as balanced, otherwise they are recorded as unbalanced.

[0077] In addition, the serial number field for a single order record may not exist when queried in the statement or order information. For problems such as inequity, multiple orders, and multiple platforms, alarms can be used to remind operation and maintenance personnel to check, such as automatically sending SMS reminders.

[0078] For step S102, for the order records in the "Platform Reconciliation Details Table" with a balanced status as the matching result in the previous automatic task, start obtaining the transaction amounts in the records, and transfer the transaction amounts from the contract account of the bank acquiring component to the contract account of this platform.

[0079] For step S103, in order to support flexible account splitting operations in various industries, this solution divides the account splitting scenarios into the following four perspectives:

[0080] 1. Multi-level account splitting rules

[0081] Currently, market-level splitting rules, merchant-level splitting rules, and custom-level splitting rules are supported. Among them, market-level splitting rules and merchant-level splitting rules must be used together, and the rules are matched from the perspective of market merchants. Market-level splitting rules are shared by the entire market and have a lower priority, while merchant-level splitting rules are exclusive to a certain merchant in the market and have a higher priority. Custom splitting rules and market / merchant splitting rules are mutually exclusive, and each splitting rule has its own specific number. Each transaction is bound to the specific number from the time the consumer pays.

[0082] 2. Rules for multiple account amounts

[0083] Supports split amount calculation rules such as fixed amount, fixed ratio (e.g. 5% market commission), fixed amount first and then fixed ratio, etc.

[0084] 3. Rules for multi-account splitting model

[0085] Provides flip-table, roller-type and other profit-sharing modes

[0086] 4. Multiple account splitting time rules

[0087] Provides daily, monthly, end-of-month, delayed payment splitting, and user-triggered payment splitting.

[0088] As can be seen above, the account splitting strategy includes account splitting rules, amount rules, mode rules and time rules. Some merchants may not set a merchant-level account splitting strategy, so the total transaction amount corresponding to the merchant can be processed through the market-level account splitting strategy of the market to obtain the account split amount for the merchant. For specific account splitting methods, please refer to the subsequent Figure 3 The description shown is not repeated here.

[0089] The data structure of the account splitting rules is designed as follows:

[0090]

[0091]

[0092] In order to realize the function of user-triggered account splitting, this solution also sets up direct connection interfaces such as arrival notification, so that users can advance the account splitting date of a certain order to T+1 day, but it is currently only applicable to the bottom-line account splitting strategy. For example, the bottom-line account splitting date of an order is T+20, and the user initiates the confirmation of receipt of the order on T+2 day, then the account splitting date will change from the original T+20 to T+3 day. The interface design is as follows:

[0093] Input Interface

[0094]

[0095] Output Interface

[0096]

[0097] The method provided in the above embodiment can automatically obtain corresponding order records and split accounts after triggering the account splitting operation on the market in order to improve the availability and reliability of the automatic account splitting task. The market-level account splitting strategy adopted has been pre-set by the user and the operation is relatively simple.

[0098] See also Figure 2 , shows a schematic flow chart of an optional account management method according to an embodiment of the present invention, comprising the following steps:

[0099] S201: In response to a market type selection operation, extract and display a list of market-level account splitting strategies corresponding to the market type, and use the selected market-level account splitting strategy as the market-level account splitting strategy for the market;

[0100] S202: receiving a bill splitting request for a contracted market in the platform, and obtaining order records of the market in the previous time period from the payment order component according to the market number;

[0101] S203: Determine the total transaction amount in the order record, and transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

[0102] S204: Process the transaction amount using a market-level account splitting strategy corresponding to the market to obtain account splitting details.

[0103] In the above embodiment, for steps S202 to S204, see Figure 1 The description of steps S101 to S103 is not repeated here.

[0104] In the above implementation, for step S201, this solution pre-sets multiple sets of basic industry templates to define the form of professional market user docking as multiple sets of parameters according to the current status of the bank's acquiring system, and combines the account-related parameters to obtain:

[0105] 1) Type of acquiring merchant: online franchised merchant, physical merchant;

[0106] 2)Interaction type: system interaction, non-system interaction;

[0107] 3) Cashier mode: single counter cashier, multiple counters centralized cashier, multiple counters decentralized cashier

[0108] 4) Payment methods: H5, App, online banking, PC cashier, Zhifu POS, code scanning box, dynamic code

[0109] 5) Refund: Yes or No

[0110] 6) Whether to support sub-orders: Yes or No

[0111] Due to the large number of parameters, in order to reduce users' selection anxiety, we give priority to analyzing the behavioral habits of connected users, divide users into 9 categories, and define 9 sets of basic industry templates. Users can sign contracts easily with one click based on the type introduction. It also supports users to customize templates for personalization.

[0112] 1. Online payment e-commerce platforms, such as food delivery platforms and online retail platforms

[0113] Fixed options: online merchants + system interaction + single counter cashier + H5\App\online banking\PC cashier

[0114] Optional variables: refund, sub-order, online contract, automatic payment, consumer voucher and other marketing activities

[0115] 2. Offline payment in large and medium-sized new shopping malls, such as shopping malls and supermarkets

[0116] Fixed options: Network franchised merchants + system interaction + centralized cashiering at multiple counters + Zhifu POS\scanning box\dynamic code

[0117] Optional variables: refund, sub-order, online contract, automatic payment, consumer voucher and other marketing activities

[0118] 3. New offline payment chain brands, such as convenience store chains and restaurant chains

[0119] Fixed options: Network franchised merchants + system interaction + decentralized cashiering at multiple counters + code scanning box\dynamic code

[0120] Optional variables: refund, sub-order, online contract, automatic payment, consumer voucher and other marketing activities

[0121] 4. QR code payment in small markets, such as small stalls and vegetable markets

[0122] Fixed options: Network franchised merchants + non-system interaction + centralized cashier at multiple counters + static code

[0123] Optional variable: automatic payment

[0124] 5. Offline payment in large and medium-sized traditional markets, such as scenic spots

[0125] Fixed options: physical merchants + system interaction + centralized cashiering at multiple counters + POS card swiping\code scanning

[0126] Optional variables: refund, online contract signing, automatic payment, consumer vouchers and other marketing activities

[0127] 6. Offline payment for traditional chain brands, such as chain clothing stores

[0128] Fixed options: physical merchants + system interaction + decentralized cashiering at multiple counters + POS card swiping\code scanning

[0129] Optional variables: refund, online contract signing, automatic payment, consumer vouchers and other marketing activities

[0130] 7. Small offline payment markets, such as food courts and payment terminals

[0131] Fixed options: physical merchants + non-system interaction + decentralized cashiering at multiple counters + POS card swiping\code scanning

[0132] Optional variables: automatic payment, consumer vouchers and other marketing activities

[0133] 8. Travel platforms with variable split amounts, such as short-term rentals and hotels

[0134] Fixed options: On-the-go mode + system interaction

[0135] Optional variables: merchant type, system interaction, cashier method, automatic payment, consumer voucher and other marketing activities

[0136] 9. Support three-level employment matching platforms, such as human resources service companies

[0137] Fixed options: Linked drawdown + online franchised merchants + system interaction + single counter cashier + H5\App\online banking\PC cashier

[0138] Optional variables: refund, sub-order, online contract, automatic payment, consumer voucher and other marketing activities

[0139] Therefore, when users sign a market contract in the platform, they need to select its type, and the platform will pop up a list of market-level profit-sharing strategies corresponding to that type and display it for users to select options. In addition, users can edit profit-sharing strategies. For example, the above fixed options cannot be adjusted by users, but users can choose to configure the optional variables.

[0140] The method provided in the above embodiment pre-sets multiple sets of basic industry templates, defines the form of professional market user docking as multiple groups of parameters, and sets fixed options and optional variables for each account splitting strategy. Users can configure adaptively to adapt to changing business scenarios.

[0141] See also Figure 3 , shows a schematic flow chart of another optional account management method according to an embodiment of the present invention, comprising the following steps:

[0142] S301: receiving a bill splitting request for a contracted market in the platform, and obtaining order records of the market in the previous time period from the payment order component according to the market number;

[0143] S302: Determine the total transaction amount in the order record, and transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

[0144] S303: parsing a sequence field in an order record to obtain additional item information, discount information and merchant information, and determining a merchant-level account splitting strategy corresponding to a merchant number in the merchant information;

[0145] S304: Using the market-level account splitting strategy and the merchant-level account splitting strategy, combined with the additional item information and the discount information, perform account splitting management on the transaction amount in the order record to obtain account splitting details for the merchant;

[0146] S305: When the settlement date is reached, the split amount is stored in the merchant's virtual account, and the account balance in the virtual account is updated;

[0147] S306: When a predetermined time point is reached or the account balance reaches a predetermined value, the account balance is transferred from the virtual account to the settlement account of the merchant; wherein the virtual account and the settlement account are bound to each other.

[0148] In the above embodiment, for steps S301 and S302, see Figure 1 The description of steps S101 and S102 is not repeated here.

[0149] In the above implementation, for steps S303 and S304, in addition to considering the market-level account splitting strategy, the merchant-level account splitting strategy in the market must also be considered. The merchant-level account splitting strategy selection method is similar to the market-level account splitting strategy selection method, and will not be repeated here.

[0150] The automatic task of day-end settlement processes the order records with balanced comparison results and generates account details according to the account splitting rules. The steps are as follows:

[0151] 1) Payment order processing rules: Scan the payment order data that meets the conditions (online banking transaction status is settled, clearing status is initial, accounting status is guarantee ledger accounting successful / unaccounted, market number, transaction date is less than today).

[0152] 2) Parsing compressed fields: Parse the compressed fields of the payment flow to obtain additional item information, discount information (such as coupons, red envelopes, and discounts), and participant information (usually merchant information) to prepare data for creating account details and settlement details.

[0153] 3) Create sub-account details: parse the compressed fields, obtain the participant information, and generate sub-account details based on the participant information.

[0154] iCalculate the split amount:

[0155] ① Split amount = consumer payment amount + discount amount (consumption voucher amount + points amount + red envelope amount).

[0156] The above calculation method is based on the premise that the market provides preferential information. Due to factors such as professional market users doing activities, the amount of a certain order consists of the amount paid by the consumer, the amount of the market red envelope, and the amount of the consumer voucher. The red envelope amount needs to be obtained from the market's account at the end of the day, that is, the funds to be divided other than the amount of the order need to be collected into the contract account of this platform. For example, if a certain product is sold for 100 yuan, the market provides a discount of 10 yuan for purchases over 100 yuan, and the user actually pays 90 yuan, but the actual merchant needs to collect 100 yuan, then the remaining 10 yuan needs to be obtained from the market's account.

[0157] However, if the merchant provides preferential information, the amount paid by the consumer will be directly used as the split amount. For example, the preferential information of 10 yuan off for purchases over 100 yuan is provided by the merchant, so the market does not participate in the preferential activity.

[0158] ③ When the amount of the participating party is empty, the split amount is calculated based on the total split amount and the split rules.

[0159] ④ If the party making the split account has a partial refund, the split account amount = original split account amount - partial refund amount.

[0160] ii Calculate the account split date:

[0161] ① The payment was split in advance on the same day, and the settlement date = the current date.

[0162] ② The payment flow contains the account split date, and the settlement date = the account split date sent in the payment flow.

[0163] ③If the merchant of the account splitter has terminated the contract, the settlement date = current date.

[0164] ④If the market has been terminated, the settlement date = current date.

[0165] ⑤ If none of the above conditions are met, the account splitting date shall be calculated according to the account splitting rules.

[0166] ⑥ All calculated account split dates should be compared with the current date. If the calculated account split date is less than the current date, the account split date = current date.

[0167] In addition, if the merchant has a refund order, the split amount needs to be adjusted. Specifically, query the refund information, parse the refund flow compression field, and construct the refund information of the reduced items and the refund information of the participating parties. For example, if the original split amount calculated is 100 yuan, but there is a refund order with a refund amount of 50 yuan, then 100-50=50 yuan will be used as the actual split amount to be distributed to the merchant.

[0168] In addition, you can also create deduction details: parse the compressed field, obtain the additional item information, and generate deduction details if the additional item type is a deduction and there is an additional item that is linked to the deduction account; if there is a partial refund for the deduction of the payment flow, the amount of the deduction details = the original deduction amount - the deduction amount of the partial refund.

[0169] For steps S305 and S306, as of the current automatic task, all the funds to be distributed have been collected into the contract account of this platform, but the owners of these funds to be distributed are various merchants, so a virtual account needs to be set up for each merchant in advance to record the funds to be distributed into each virtual account. At this time, batch accounting can be used to increase the accounting speed.

[0170] Summarize the clearing details of successful accounting and generate the information to be divided; process the withdrawal of data with a clearing date less than or equal to the current date. Query the available balance in each virtual account (the available date of some balances is after the current date), and then transfer these available balances to the settlement account designated by the merchant to realize the automatic withdrawal task at the end of the day.

[0171] The method provided in the above embodiment divides the account splitting task into multiple automatic tasks, each of which can handle independent events, so as to flexibly cope with complex and changeable account splitting business scenarios. If there are new requirements, the changes can be better coped with.

[0172] See also Figure 4 , which shows a schematic diagram of main modules of an account management device 400 provided in an embodiment of the present invention, including:

[0173] The receiving module 401 is used to receive a bill splitting request for a contracted market in the platform, and obtain the order record of the market in the previous time period from the payment order component according to the number of the market;

[0174] The account adjustment module 402 is used to determine the total transaction amount in the order record, so as to adjust the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

[0175] The account splitting module 403 is used to process the transaction amount using a market-level account splitting strategy corresponding to the market to obtain account splitting details.

[0176] In the implementation device of the present invention, the order record is in a balanced state;

[0177] The method further includes a comparison module 404 (not shown in the figure) for:

[0178] According to the number of the market, obtaining a statement of the market in the previous time period from the bank acquiring component; wherein the statement is used to record the payment transaction information that has been received;

[0179] Compare the transaction amounts of the same serial number in the statement and the order record to see if they are the same. If they are the same, record the comparison result as a balanced state, otherwise record it as an unbalanced state.

[0180] The implementation device of the present invention further includes a first selection module 405 (not shown in the figure), which is used to:

[0181] In response to the market type selection operation, a market-level account splitting strategy list corresponding to the market type is extracted and displayed, and the selected market-level account splitting strategy is used as the market-level account splitting strategy for the market.

[0182] In the implementation device of the present invention, the market types include at least: online payment e-commerce platform, offline payment large and medium-sized new shopping malls, offline payment new chain brands, QR code collection small markets, offline payment large and medium-sized traditional markets, offline payment traditional chain brands, offline payment small markets, travel platforms with variable account sharing amounts, and employment matching platforms that support a three-level structure.

[0183] In the implementation device of the present invention, the account splitting module 403 is used to:

[0184] Parse a transaction field in an order record to obtain additional item information, discount information, and merchant information, and determine a merchant-level account splitting strategy corresponding to a merchant number in the merchant information;

[0185] By utilizing the market-level account splitting strategy and the merchant-level account splitting strategy, combined with the additional item information and the preferential information, the transaction amount in the order record is managed by account splitting to obtain the account splitting details for the merchant.

[0186] The implementation device of the present invention further includes a second selection module 406 (not shown in the figure), which is used to:

[0187] In response to the type selection operation for the merchant, a list of merchant-level account splitting strategies corresponding to the merchant type is extracted and displayed, and the selected merchant-level account splitting strategy is used as the merchant-level account splitting strategy for the merchant.

[0188] In the implementation device of the present invention, the account splitting module 403 is used to:

[0189] If the preferential information is associated with the merchant, the transaction amount is used as the account share amount for the merchant; or

[0190] If the preferential information is associated with the market, the sum of the transaction amount and the preferential amount in the preferential information is used as the share amount for the merchant.

[0191] The implementation device of the present invention further includes an adjustment module 407 (not shown in the figure), which is used to:

[0192] If there is a chargeback record corresponding to the merchant, the chargeback amount in the chargeback record is obtained, and the difference between the split account amount and the chargeback amount is used as the split account amount for the merchant.

[0193] The implementation device of the present invention further includes a settlement date module 408 (not shown in the figure), which is used to:

[0194] If the transaction field in the order record includes a split date, the split date is used as the settlement date for the split amount; or

[0195] If the merchant and / or the market has terminated the contract, or the order record has been split, the current date will be used as the settlement date for the split amount; or

[0196] The account splitting date is calculated using the account splitting rule. If the calculated account splitting date is less than the current date, the current date is used as the settlement date for the account split amount. Otherwise, the calculated account splitting date is used as the settlement date for the account split amount.

[0197] The implementation device of the present invention further includes a cash withdrawal module 409 (not shown in the figure), which is used to:

[0198] When the settlement date is reached, the split amount is stored in the merchant's virtual account, and the account balance in the virtual account is updated;

[0199] When a predetermined time point is reached or the account balance reaches a predetermined value, the account balance is transferred from the virtual account to the settlement account of the merchant; wherein the virtual account and the settlement account have a binding relationship.

[0200] In addition, the specific implementation content of the device described in the embodiment of the present invention has been described in detail in the method described above, so the repeated content will not be described again here.

[0201] Figure 5 An exemplary system architecture 500 is shown in which embodiments of the present invention may be applied.

[0202] like Figure 5 As shown, the system architecture 500 may include terminal devices 501, 502, 503, a network 504 and a server 505 (just an example). The network 504 is used to provide a medium for communication links between the terminal devices 501, 502, 503 and the server 505. The network 504 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0203] The user can use the terminal devices 501, 502, 503 to interact with the server 505 through the network 504 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 501, 502, 503.

[0204] The terminal devices 501 , 502 , and 503 may be various electronic devices having display screens and supporting web browsing, and the server 505 may be a server providing various services.

[0205] It should be noted that the method provided in the embodiment of the present invention is generally executed by the server 505 , and accordingly, the device is generally set in the server 505 .

[0206] It should be understood that Figure 5The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to the implementation requirements.

[0207] Reference below Figure 6 , which shows a schematic diagram of the structure of a computer system 600 of a terminal device suitable for implementing an embodiment of the present invention. Figure 6 The terminal device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0208] like Figure 6 As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 into a random access memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0209] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed into the storage section 608 as needed.

[0210] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 609, and / or installed from the removable medium 611. When the computer program is executed by the central processing unit (CPU) 601, the above-mentioned functions defined in the system of the present invention are executed.

[0211] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0212] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0213] The modules involved in the embodiments of the present invention may be implemented by software or hardware. The modules described may also be set in a processor. For example, they may be described as: a processor includes a receiving module, an account adjustment module, and an account splitting module. The names of these modules do not, in some cases, constitute limitations on the modules themselves. For example, the account splitting module may also be described as an "account splitting management module."

[0214] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes:

[0215] Receive a request for splitting an account of a contracted market in the platform, and obtain order records of the market in the previous time period from the payment order component according to the market number;

[0216] Determine the total transaction amount in the order record, so as to transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

[0217] The transaction amount is processed using a market-level account splitting strategy corresponding to the market to obtain account splitting details.

[0218] According to the technical solution of the embodiment of the present invention, an account splitting management method that adapts to multiple scenarios is designed, which can efficiently respond to the changing account splitting strategies of the market and merchants, and is simple for user docking, ensuring the flexibility of business adaptation and rapid development and implementation, and improving the intelligence, real-time and practicality of account splitting management. While providing the market management party / platform party with the "unified collection + downward account splitting" service, it meets the requirements of the regulatory authorities to prevent potential transaction information tampering and fund misappropriation moral risks, and can also protect consumer rights and maintain economic and social stability.

[0219] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A method for account management, characterized in that: The platform manages the account splitting requirements of multiple markets and relies on external third parties to complete the acquiring operations. The statements are stored in the bank acquiring component rather than the market acquiring component, including: Receive a request for splitting an account of a contracted market in the platform, and obtain order records of the market in the previous time period from the payment order component according to the market number; Determine the total transaction amount in the order record, so as to transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform; Processing the transaction amount using a market-level account splitting strategy corresponding to the market to obtain account splitting details, including: processing the transaction amount using the market-level account splitting strategy and the merchant-level account splitting strategy; When the settlement date is reached, the account amount in the account details is stored in the merchant's virtual account, and the account balance in the virtual account is updated; when a predetermined time point is reached or the account balance reaches a predetermined value, the account balance is transferred from the virtual account to the merchant's settlement account; wherein the virtual account and the settlement account are bound to each other; When a user signs a market contract in the platform, the user behavior habits are analyzed to determine the user type, the market type is determined according to the user type, a list of market-level account-sharing strategies corresponding to the market type is displayed and displayed, a market-level account-sharing strategy selected by the user is received, and an editing operation of the user on the account-sharing strategy is received; In response to the type selection operation of the merchant, extracting and displaying a list of merchant-level account splitting strategies corresponding to the merchant type, and using the selected merchant-level account splitting strategy as the merchant-level account splitting strategy of the merchant; Each account splitting strategy sets fixed options and optional variables. Fixed options are not adjustable, while optional variables are configurable. The account splitting strategy includes account splitting rules, amount rules, pattern rules, and time rules. The account splitting rules are market-level account splitting rules, merchant-level account splitting rules, and custom-level account splitting rules. Custom-defined account splitting rules are mutually exclusive with market and merchant account splitting rules. The transaction amount belongs to the merchants in the market.

2. The method according to claim 1, characterized in that The order record is in a balanced state; Before determining the transaction amount in the order record, the method further includes: According to the number of the market, obtaining a statement of the market in the previous time period from the bank acquiring component; wherein the statement is used to record the payment transaction information that has been received; Compare the transaction amounts of the same serial number in the statement and the order record to see if they are the same. If they are the same, record the comparison result as a balanced state, otherwise record it as an unbalanced state.

3. The method according to claim 1, characterized in that Before the process of processing the transaction amount by using the market-level account splitting strategy corresponding to the market to obtain the account splitting details, the process further includes: In response to the market type selection operation, a market-level account splitting strategy list corresponding to the market type is extracted and displayed, and the selected market-level account splitting strategy is used as the market-level account splitting strategy for the market.

4. The method according to claim 3, characterized in that: Market types include at least: online payment e-commerce platforms, offline payment large and medium-sized new shopping malls, offline payment new chain brands, small QR code payment markets, offline payment large and medium-sized traditional markets, offline payment traditional chain brands, offline payment small markets, travel platforms with variable account sharing amounts, and employment matching platforms that support a three-level structure.

5. The method according to claim 1, characterized in that The processing of the transaction amount by using the market-level account splitting strategy and the merchant-level account splitting strategy includes: Parse a transaction field in an order record to obtain additional item information, discount information, and merchant information, and determine a merchant-level account splitting strategy corresponding to a merchant number in the merchant information; By utilizing the market-level account splitting strategy and the merchant-level account splitting strategy, combined with the additional item information and the preferential information, the transaction amount in the order record is managed by account splitting to obtain the account splitting details for the merchant.

6. The method according to claim 5, characterized in that The method of utilizing the market-level account splitting strategy and the merchant-level account splitting strategy, in combination with the additional item information and the preferential information, to perform account splitting management on the transaction amount in the order record, and obtaining account splitting details for the merchant, includes: If the preferential information is associated with the merchant, the transaction amount is used as the account share amount for the merchant; or If the preferential information is associated with the market, the sum of the transaction amount and the preferential amount in the preferential information is used as the share amount for the merchant.

7. The method according to claim 6, characterized in that Also includes: If there is a chargeback record corresponding to the merchant, the chargeback amount in the chargeback record is obtained, and the difference between the split account amount and the chargeback amount is used as the split account amount for the merchant.

8. The method according to claim 6, characterized in that Also includes: If the transaction field in the order record includes a split date, the split date is used as the settlement date for the split amount; or If the merchant and / or the market has terminated the contract, or the order record has been split, the current date will be used as the settlement date for the split amount; or The account splitting date is calculated using the account splitting rule. If the calculated account splitting date is less than the current date, the current date is used as the settlement date for the account split amount. Otherwise, the calculated account splitting date is used as the settlement date for the account split amount.

9. An account management device, characterized in that: The platform manages the account splitting requirements of multiple markets and relies on external third parties to complete the acquiring operations. The statements are stored in the bank acquiring component rather than the market acquiring component, including: A receiving module, used to receive a request for splitting an account of a contracted market in the platform, and obtain order records of the market in the previous time period from the payment order component according to the number of the market; An account adjustment module, used to determine the total transaction amount in the order record, so as to adjust the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform; An account splitting module is used to process the transaction amount using a market-level account splitting strategy corresponding to the market to obtain account splitting details, including: processing the transaction amount using the market-level account splitting strategy and the merchant-level account splitting strategy; When the settlement date is reached, the account amount in the account details is stored in the merchant's virtual account, and the account balance in the virtual account is updated; when a predetermined time point is reached or the account balance reaches a predetermined value, the account balance is transferred from the virtual account to the merchant's settlement account; wherein the virtual account and the settlement account are bound to each other; When a user signs a market contract in the platform, the user behavior habits are analyzed to determine the user type, the market type is determined according to the user type, a list of market-level account-sharing strategies corresponding to the market type is displayed and displayed, a market-level account-sharing strategy selected by the user is received, and an editing operation of the user on the account-sharing strategy is received; In response to the type selection operation of the merchant, extracting and displaying a list of merchant-level account splitting strategies corresponding to the merchant type, and using the selected merchant-level account splitting strategy as the merchant-level account splitting strategy of the merchant; Each account splitting strategy sets fixed options and optional variables. Fixed options are not adjustable, while optional variables are configurable. The account splitting strategy includes account splitting rules, amount rules, pattern rules, and time rules. The account splitting rules are market-level account splitting rules, merchant-level account splitting rules, and custom-level account splitting rules. Custom-defined account splitting rules are mutually exclusive with market and merchant account splitting rules. The transaction amount belongs to the merchants in the market.

10. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 8.

11. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 8 is implemented.

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