A revenue sharing method, apparatus and device

Abstract

Embodiments of the present specification disclose a kind of account sharing method, device and equipment.The scheme can include: the service end of first payment application can obtain the payment resource of target transaction order after obtaining the account sharing instruction of transaction platform for using first payment application or second payment application to pay target transaction order, so as to be able to use the service end of first payment application, based on the payment resource of target transaction order obtained, the target transaction order of using each payment application payment is completed and is accounted.

Description

Technical Field

[0001] The present application relates to the field of electronic transaction technology, and in particular to an account splitting method, device and equipment. Background Art

[0002] With the continuous advancement of internet technology, e-commerce has rapidly developed. People have gradually begun to conduct various commercial activities based on trading platforms in the open environment of the internet, enabling transactions between consumers and merchants. Currently, trading platforms typically support multiple payment applications, allowing consumers to choose any payment application based on their actual needs to pay for transactions initiated on the trading platform. Currently, the servers of various payment applications are typically only able to split the accounts for transaction orders generated by their respective payment applications, which cannot meet the demand for unified account splitting.

[0003] Based on this, how to uniformly split accounts for transaction orders generated using different payment applications has become a technical problem that needs to be solved urgently. Summary of the Invention

[0004] The embodiments of this specification provide an account splitting method, device, and equipment that can perform unified account splitting for transaction orders generated using different payment applications, thereby improving the management convenience when splitting accounts for each transaction order.

[0005] To solve the above technical problems, the embodiments of this specification are implemented as follows:

[0006] An account splitting method provided in an embodiment of this specification is applied to a server of a first payment application, including:

[0007] Obtaining an account splitting instruction from the trading platform; the account splitting instruction is used to instruct account splitting processing for a target transaction order generated by the trading platform; the target transaction order is a transaction order in which a first participant uses a target payment application to pay a second participant, and the target payment application is either the first payment application or the second payment application;

[0008] Obtaining payment resources for the target transaction order;

[0009] In response to the account splitting instruction, the payment resources of the target transaction order are transferred to the account splitting account of the second participant at the first payment application.

[0010] An account splitting device provided in an embodiment of this specification is applied to a server of a first payment application, including:

[0011] a first acquisition module configured to acquire an account splitting instruction from a trading platform; the account splitting instruction being used to instruct account splitting processing for a target transaction order generated on the trading platform; the target transaction order being a transaction order in which a first participant uses a target payment application to pay a second participant, the target payment application being either the first payment application or the second payment application;

[0012] A second acquisition module is used to obtain the payment resource of the target transaction order;

[0013] An account splitting module is configured to transfer the payment resources of the target transaction order to the account splitting account of the second participant at the first payment application in response to the account splitting instruction.

[0014] An embodiment of this specification provides an account splitting device, which is a server-side device of a first payment application, including:

[0015] at least one processor; and,

[0016] a memory communicatively connected to the at least one processor; wherein,

[0017] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

[0018] Obtaining an account splitting instruction from the trading platform; the account splitting instruction is used to instruct account splitting processing for a target transaction order generated by the trading platform; the target transaction order is a transaction order in which a first participant uses a target payment application to pay a second participant, and the target payment application is either the first payment application or the second payment application;

[0019] Obtaining payment resources for the target transaction order;

[0020] In response to the account splitting instruction, the payment resources of the target transaction order are transferred to the account splitting account of the second participant at the first payment application.

[0021] At least one embodiment provided in this specification can achieve the following beneficial effects:

[0022] The server of the first payment application can obtain the transaction platform's account splitting instruction for the target transaction order. The target transaction order can be a transaction order in which the first participant uses the first payment application or the second payment application to pay the second participant. The server of the first payment application can also obtain the payment resources of the target transaction order, so that it can respond to the account splitting instruction and transfer the payment resources of the target transaction order to the account splitting account of the second participant at the first payment application, so as to perform unified account splitting for transaction orders generated using different payment applications, which is conducive to improving the management convenience when splitting accounts for each transaction order. And because the transaction platform only needs to connect with the server of the first payment application for account splitting, and does not need to connect with the servers of multiple payment applications for account splitting, it is also conducive to reducing the cost of setting up the transaction platform. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the embodiments of this specification or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments recorded in this application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0024] Figure 1 A schematic diagram of an application scenario of a bill splitting method provided in an embodiment of this specification;

[0025] Figure 2 A flowchart of an account splitting method provided in an embodiment of this specification;

[0026] Figure 3 The embodiments of this specification provide corresponding Figure 2 A swimlane flow diagram of the account splitting method in [1].

[0027] Figure 4 The embodiments of this specification provide corresponding Figure 2 A schematic structural diagram of an account splitting device;

[0028] Figure 5 The embodiments of this specification provide corresponding Figure 2 A structural diagram of an account splitting device. DETAILED DESCRIPTION

[0029] To make the purpose, technical solutions, and advantages of one or more embodiments of this specification more clear, the technical solutions of one or more embodiments of this specification will be clearly and completely described below in conjunction with the specific embodiments of this specification and the corresponding drawings. Obviously, the embodiments described are only part of the embodiments of this specification, not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of one or more embodiments of this specification.

[0030] The technical solutions provided by the embodiments of this specification are described in detail below with reference to the accompanying drawings.

[0031] Currently, online trading platforms typically support multiple payment channels (e.g., a primary payment application, a secondary payment application, etc.) to improve payment convenience for consumers. The server side of a single payment application channel typically only processes account splits for transaction orders generated using that payment channel, preventing unified account splitting and creating inconvenience for both trading platforms and merchants in account split management. Furthermore, since trading platforms must separately connect with the servers of multiple payment channels, this increases their costs and complicates their daily operations.

[0032] In order to solve the defects in the prior art, this solution provides the following embodiments:

[0033] Figure 1 A schematic diagram of an application scenario of an account splitting method provided in an embodiment of this specification.

[0034] like Figure 1 As shown, the first party can use the first payment application or the second payment application to pay for the target transaction order initiated at the transaction platform 101. Subsequently, the transaction platform 101 can generate an account splitting instruction for the target transaction order and send the account splitting instruction to the server 102 of the first payment application.

[0035] When splitting the target transaction order, the first payment application server 102 can obtain the payment resources paid by the first participant for the target transaction order from the target financial institution 103, or the first payment application server 102 can also obtain the payment resources of the target transaction order from the account of the first payment application used by the first participant when making the payment. In this way, the first payment application server 102 can transfer the obtained payment resources of the target transaction order to the split account of the second participant at the first payment application. In this way, the transaction orders generated by different payment applications can be uniformly split using the service end of a single payment application, so as to improve the management convenience of the transaction platform and merchants when splitting the transaction orders generated by multiple payment applications.

[0036] Next, a method for splitting accounts provided in the embodiment of the specification will be described in detail with reference to the accompanying drawings:

[0037] Figure 2 This is a flow chart of a method for splitting accounts provided in an embodiment of this specification. From a program perspective, the execution entity of this process can be the server of the first payment application, or the application at the server of the first payment application.

[0038] like Figure 2 As shown, the process may include the following steps:

[0039] Step 202: Obtain an account splitting instruction from the trading platform. The account splitting instruction is used to instruct account splitting for a target transaction order generated by the trading platform; the target transaction order is a transaction order in which a first participant uses a target payment application to pay a second participant, and the target payment application is either the first payment application or the second payment application.

[0040] In the embodiments of this specification, the trading platform may be an e-commerce platform that facilitates transactions between consumers and merchants. In practical applications, the trading platform may provide an application client for consumers to use, allowing them to initiate transaction orders and make payments through the application client. The trading platform typically also includes an application server to manage account splitting and withdrawals for transaction orders. Therefore, the account splitting instruction in step 202 may specifically be an instruction initiated by the trading platform's application server.

[0041] In the embodiments of this specification, account splitting can generally refer to the process by which a trading platform transfers the money paid by a user to purchase an item to a merchant. The account splitting instruction of the trading platform can specifically be used to instruct the account splitting process for a target transaction order generated at the trading platform. The target transaction order can be a transaction order in which a first participant uses a target payment application to pay a second participant. The first participant can be a buyer conducting a transaction on the trading platform, and the second participant can be a seller providing goods on the trading platform. The target payment application can be either the first payment application or the second payment application. Figure 2 The execution subject of the middle solution is usually the server of the first payment application. Since the second payment application is usually other payment applications other than the first payment application, Figure 2 The executor of the middle solution usually does not belong to the server of the second payment application.

[0042] In actual application, the split account instruction may contain relevant order information of the target transaction order, so as to facilitate Figure 2The executing entity of the middle solution performs subsequent account splitting based on the relevant order information of the target transaction order. The relevant order information of the target transaction order may include at least the order number of the target transaction order. In addition, it may also include the identification information of the trading platform, the transaction amount of the target transaction order, the name of the target transaction order's transaction product, and the identification information of the payment application used by the buyer.

[0043] Step 204: Obtain the payment resource of the target transaction order.

[0044] In the embodiments of this specification, the payment resource may be a monetary resource or a points resource that the first participant needs to pay to the second participant when conducting a transaction with the second participant on the trading platform. In the embodiments of this specification, the specific form of the payment resource is not limited.

[0045] It should be noted that the execution order of step 202 and step 204 may be different depending on the payment application used by the first party to pay for the target transaction order. For example, when the first party uses the first payment application to pay for the payment resource of the target transaction order, Figure 2 To prevent the first participant from misappropriating these payment resources, the executing entity of the middle solution (i.e., the server of the first payment application) needs to transfer these payment resources out of the first participant's payment account. In other words, it needs to first execute the operation of obtaining the payment resources of the target transaction order, without having to obtain these payment resources according to the account splitting instructions of the transaction platform. However, when the first participant uses the second payment application to pay for the payment resources of the target transaction order, it needs to obtain these payment resources according to the account splitting instructions of the platform. Therefore, it needs to first execute the operation of obtaining the account splitting instructions of the transaction platform, and then execute the operation of obtaining the payment resources of the target transaction order.

[0046] Step 206: In response to the split account instruction, the payment resources of the target transaction order are transferred to the split account of the second participant at the first payment application.

[0047] In the embodiments of this specification, a sub-account can be pre-created for the second party in the first payment application, and the sub-account can be used to receive payment resources for the target transaction order corresponding to the second party. Specifically, the first payment application's server can respond to the split-account instruction and verify each target transaction order. If the verification is correct, the payment resources for the target transaction order can be transferred to the second party's sub-account, thereby completing the split operation for the payment resources for the target transaction order.

[0048] Figure 2The method described herein utilizes the server of the first payment application to uniformly split accounts for transaction orders generated using different payment applications, thereby improving the management convenience of splitting accounts for each transaction order. Furthermore, since the trading platform only needs to connect to the server of the first payment application for account splitting, rather than to the servers of multiple payment applications, this also helps reduce the cost of setting up the trading platform.

[0049] based on Figure 2 The method in this specification also provides some specific implementation plans of the method, which are described below.

[0050] If the first participant uses the second payment account of the second payment application to pay for the target transaction order, then since the server of the first payment application cannot directly obtain the payment resources for deducting the target transaction order from the second payment account, the server of the first payment application needs to obtain the payment resources for the target transaction order from the target financial institution. For ease of understanding, this is explained.

[0051] Specifically, if the target transaction order is a transaction order in which the first party pays using the second payment account of the second payment application, step 204: obtaining the payment resource of the target transaction order may include:

[0052] A first resource transfer instruction is sent to a target financial institution; the first resource transfer instruction is used to instruct the transfer of a specified amount of payment resources from the target financial institution.

[0053] Receive the specified number of payment resources sent by the target financial institution; the specified number of payment resources includes the second payment resources that the first participant pays for the target transaction order using the second payment account; the second payment resources are resources obtained by the target financial institution from the server of the second payment application.

[0054] Correspondingly, step 206: in response to the split-account instruction, transferring the payment resources of the target transaction order to the split-account of the second party at the first payment application may specifically include:

[0055] The second payment resource in the specified amount of payment resources is transferred to the sub-account of the second participant.

[0056] In an embodiment of this specification, the transaction platform's service provider may pre-arrange with the service provider of the second payment application and the service provider of the target financial institution, requiring that after the first party completes payment for a target transaction order on the target transaction platform using the second payment account of the second payment application, the second payment application's service provider must transfer the second payment resources used to pay for the target transaction order in the second payment account to the target financial institution for safekeeping within a specified time period. The target financial institution may be a bank, and the specified time period may be one day.

[0057] The transaction platform's service provider may also pre-arrange with the service provider of the first payment application and the service provider of the target financial institution, so that the target financial institution can, in response to a first resource transfer instruction sent by the first payment application's server, transfer a specified amount of payment resources in its custody to the first payment application's server. This allows the first payment application's server to obtain, through the target financial institution, the second payment resources for the target transaction order in the second payment account, thereby completing the account splitting. The specified amount of payment resources is determined by the transaction platform and may include payment resources for multiple transaction orders, thereby improving resource transfer efficiency.

[0058] In the embodiments of this specification, to ensure fund security, the server of the first payment application usually needs to obtain payment resources from the target financial institution according to the instructions of the transaction platform.

[0059] Based on this, before sending the first resource transfer instruction to the target financial institution, the following steps may also be included:

[0060] Obtaining a second resource transfer instruction sent by the transaction platform; the second resource transfer instruction is used to instruct the acquisition of the specified amount of payment resources from the target financial institution. The first resource transfer instruction is generated after receiving the second resource transfer instruction.

[0061] In the embodiments of this specification, the second resource transfer instruction sent by the transaction platform and the account splitting instruction sent by the transaction platform can be the same instruction or different instructions, and there is no specific limitation on this. For example, when the second resource transfer instruction and the account splitting instruction are different instructions, the second resource transfer instruction only needs to carry the quantity information of the payment resources to be transferred (that is, the specified data, for example, 100,000 yuan), without carrying the relevant information of each target transaction order corresponding to the payment resources to be transferred, which is conducive to simplifying the resource transfer operation and process. Of course, the second resource transfer instruction and the account splitting instruction can also be the same instruction. In this case, the account splitting instruction can also carry the quantity information of the payment resources to be transferred, thereby simplifying the interaction process between the transaction platform and the server of the first payment application.

[0062] In the embodiments of this specification, the target financial institution and the first payment application can both set up corresponding funds escrow accounts to utilize their respective resource escrow account management to manage the payment resources of the target transaction orders to be split, thereby facilitating improved resource management security and convenience.

[0063] Based on this, receiving the specified amount of payment resources sent by the target financial institution may specifically include:

[0064] The first funds escrow account at the first payment application is used to receive a specified amount of payment resources transferred from the second funds escrow account at the target financial institution; the second funds escrow account is used to store the resources obtained by the target financial institution from the server end of the second payment application.

[0065] Correspondingly, transferring the second payment resource in the specified amount of payment resources to the sub-account of the second participant may specifically include:

[0066] The second payment resource in the first fund escrow account is transferred to the sub-account of the second participant.

[0067] In an embodiment of this specification, the account splitting instruction may be sent by the transaction platform to the server of the first payment application through an interface call to instruct the server of the first payment application to split the account for the payment resources of the target transaction order obtained from the target financial institution.

[0068] In actual applications, there are many ways to generate an account splitting instruction. For example, the account splitting instruction can be an instruction generated by the transaction platform by calling the first interface at the server end of the first payment application. The account splitting instruction can directly instruct the payment resources corresponding to the target transaction order in the second fund escrow account at the target financial institution to be transferred to the sub-account of the second participant at the first payment application, which is convenient and fast. It is worth noting that after receiving the account splitting instruction, the server end of the first payment application still needs to use the first fund escrow account to receive resources from the second fund escrow account, and use the first fund escrow account to transfer resources to the sub-account of the second participant to complete the account splitting.

[0069] Alternatively, the account splitting instruction may be an instruction generated by the transaction platform by calling the second interface and the third interface at the service end of the first payment application. Specifically, by calling the second interface, the transaction platform may generate an instruction for instructing the transfer of the payment resources corresponding to the target transaction order in the second fund escrow account at the target financial institution to the first fund escrow account at the first payment application. Subsequently, the transaction platform may continue to call the third interface to generate an instruction for instructing the transfer of the payment resources corresponding to the target transaction order in the first fund escrow account at the first payment application to the sub-account of the second participant at the first payment application, thereby forming an account splitting instruction through multiple instructions, which has good flexibility. Among them, the instruction generated by the transaction platform by calling the second interface and the aforementioned second resource transfer instruction may be the same instruction.

[0070] In the embodiments of this specification, the first funds escrow account can be a funds escrow account registered by the transaction platform at the first payment application. The second funds escrow account is a funds escrow account registered by the transaction platform at the target financial institution. The server of the first payment application receives the resources transferred from the second funds escrow account by using the first funds escrow account to obtain the payment resources paid for the target transaction order using the payment account at the second payment application. In addition, by transferring the payment resources from the first funds escrow account to the merchant's sub-account at the first payment application. This realizes the function of using the server of a single payment application to perform the same sub-account for transaction orders generated by different payment applications. It avoids the complexity of using the server of multiple payment applications to perform sub-accounts separately, and improves the convenience of the transaction platform in managing sub-accounts.

[0071] In the embodiments of this specification, if the first party uses the first payment account of the first payment application to pay for the target transaction order, the first payment application's server can directly obtain the payment resources for the target transaction order deducted from the first payment account, eliminating the need to obtain the payment resources for the target transaction order from the target financial institution. This is explained for ease of understanding.

[0072] Specifically, if the target transaction order is a transaction order in which the first party pays using the first payment account of the first payment application, step 204: obtaining the payment resource of the target transaction order may include:

[0073] The first payment resource paid by the first participant for the target transaction order using the first payment account is transferred from the first payment account to a first fund escrow account at the first payment application.

[0074] Correspondingly, step 206: in response to the split-account instruction, transferring the payment resources of the target transaction order to the split-account of the second party at the first payment application may specifically include:

[0075] The first payment resource in the first fund escrow account is transferred to the sub-account of the second participant.

[0076] In an embodiment of the present specification, when the first participant makes a payment through the first payment application, the server of the first payment application will usually deduct the first payment resource paid for the target transaction order from the first payment account of the first participant after the first participant's payment is successful, so as to avoid the first participant from misappropriating the first payment resource. The first payment resource deducted from the first payment account will be sent to the transaction platform for management in the first fund escrow account of the first payment application. Subsequently, after obtaining the account splitting instruction for the target transaction order, the server of the first payment application can transfer the first payment resource in the first fund escrow account to the account splitting account registered by the second participant (for example, the merchant) at the first payment application to complete the account splitting for the target transaction order.

[0077] In the embodiments of this specification, to increase transaction volume and enhance its own visibility, the trading platform may periodically initiate promotional activities, such as offering price reductions or discounts on specific products for merchants during a specific time period. Because the promotional activities are initiated by the trading platform, the trading platform must compensate the merchant for the discounts on specific products. Based on this, when splitting the accounts for the target transaction orders, it may be necessary to obtain a portion of the payment resources paid by the trading platform and allocate them to the split account of the second participant.

[0078] Based on this, step 204: obtaining the payment resource of the target transaction order may specifically include:

[0079] If it is determined according to the account splitting instruction that the trading platform needs to pay the third payment resource to the second participant for the target transaction order, the third payment resource in the third payment account of the trading platform at the first payment application is transferred to the first funds escrow account.

[0080] Correspondingly, step 206: in response to the split-account instruction, transferring the payment resources of the target transaction order to the split-account of the second party at the first payment application may specifically include:

[0081] The third payment resource at the first fund escrow account is transferred to the sub-account of the second participant.

[0082] In the embodiments of this specification, the third payment account may be a payment account registered by the transaction platform at the first payment application. The transaction platform may store part of the payment resources in the third payment account in advance, and make an agreement with the server of the first payment application in advance to permit the server of the first payment application to deduct a specified amount of payment resources (for example, the third payment resources) from the third payment account according to actual needs when splitting the account, and allocate it to the second participant's sub-account to complete the account splitting.

[0083] In the embodiments of this specification, the third payment resource may be the resource that the trading platform needs to pay to the second party for a target transaction order initiated by the first party. In actual applications, the trading platform's account splitting instruction may also include relationship information about the third payment resource corresponding to the target transaction order. The account splitting instruction may also instruct the deduction of the third payment resource from the third payment account and the transfer of the resource to the second party's account splitting account.

[0084] For ease of understanding, an example is given for the account splitting process related to the third payment resource. For example, assuming that the target transaction order is an order for the first participant to purchase a piece of clothing from the second participant, the first participant needs to pay 150 yuan for this target transaction order, and the transaction platform needs to pay 50 yuan. The 50 yuan that the transaction platform needs to pay is the third payment resource. When the transaction platform needs to split the account for the target transaction order, its account splitting instruction should carry information indicating that 50 yuan should be transferred from the third payment account as part of the payment resource for the target transaction order, so that the server of the first payment application can transfer the 50 yuan of funds in the third payment account to the first fund escrow account after receiving the account splitting instruction, and then transfer the 50 yuan of funds in the first fund escrow account to the second participant's account splitting account to ensure the accuracy of the account splitting.

[0085] In the embodiments of this specification, during daily online shopping, a buyer may return an item purchased from a merchant due to dissatisfaction with the quality. In this case, if the payment resources for the transaction order have been transferred to the merchant's sub-account, the payment resources in the merchant's sub-account must be returned to the buyer and / or the trading platform.

[0086] Based on this, after transferring the payment resources of the target transaction order to the sub-account of the second party at the first payment application, the following steps may also be performed:

[0087] Obtain a refund instruction from the trading platform for the target transaction order.

[0088] In response to the refund instruction, an initial transfer-out account of the payment resource of the target transaction order is determined; the initial transfer-out account includes at least one of the first payment account, the second payment account and the third payment account.

[0089] Transferring the payment resources of the target transaction order in the sub-account to the initial transfer-out account.

[0090] In the embodiments of this specification, the refund instruction may be an instruction generated by the transaction platform after a full or partial refund occurs in the target transaction order, which is used to instruct the refund of all or part of the payment resources corresponding to the target transaction order. For example, after the first participant (buyer) applies for a return and refund for the target transaction order, the transaction platform may issue a refund instruction to the server of the first payment application. The server of the first payment application may determine the source information of the payment resources of the target transaction order, and then return the payment resources to the initial transfer-out account according to the resource transmission link based on the source information of the payment resources.

[0091] In the embodiments of this specification, the payment resources of the target transaction order may include at least one of a first payment resource, a second payment resource, and a third payment resource. The source information of the first payment resource may be a registered account of the first payment application. Based on the source information of the first payment resource and the relevant order information of the target transaction order, the initial transfer-out account of the first payment resource may be determined to be the first payment account of the first payment application, thereby enabling the service end of the first payment application to transfer the first payment resource from the second party's sub-account to the first payment account.

[0092] The source information of the second payment resource can also be a registered account at the second payment application or a target financial institution. Based on the source information of the second payment resource, it can be further determined that the initial transfer account of the second payment resource is the second payment account at the second payment application or the second funds escrow account at the target financial institution, so that the service end of the first payment application can finally transfer the second payment resource in the second participant's sub-account to the second payment account through the target financial institution.

[0093] The source information of the third payment resource can be a registered account of the transaction platform at the first payment application. Based on the source information of the third payment resource and the relevant order information of the target transaction order, it can be further determined that the initial transfer account of the third payment resource is the third payment account of the transaction platform, so that the service end of the first payment application can transfer the third payment resource in the second participant's sub-account to the third payment account.

[0094] For example, a buyer purchases clothing on a trading platform that was originally priced at 200 yuan and is now priced at 150 yuan. The buyer can pay the merchant 150 yuan, and the trading platform can pay the merchant 50 yuan. However, if the buyer decides they don't like the clothing after receiving it and requests a return from the trading platform, the trading platform can issue a refund instruction to the first payment application's server. Based on the refund instruction, the first payment application's server can transfer the 200 yuan in the merchant's sub-account at the first payment application to the first fund escrow account.

[0095] If the buyer uses the first payment account at the first payment application to pay 150 yuan when purchasing clothes, the 150 yuan in the first funds escrow account can be refunded to the buyer's first payment account at the first payment application. If the buyer uses the second payment account at the second payment application to pay 150 yuan when purchasing clothes, the 150 yuan in the first funds escrow account can be refunded to the second funds escrow account of the target financial institution, and then the service end of the target financial institution will refund the 150 yuan in the second funds escrow account to the buyer's second payment account at the second payment application. In addition, the service end of the first payment application can also refund 50 yuan in the first funds escrow account to the third payment account of the trading platform at the first payment application. This completes the refund of the transaction order.

[0096] In the embodiments of this specification, when a partial refund is required for a target transaction order, the payment resources for the target transaction order received in the second party's partial account can be refunded to the first, second, or third payment account through the server of the first payment application. This facilitates more convenient partial refund management for both the transaction platform and merchants.

[0097] In the embodiments of this specification, the merchant (i.e., the second participant) on the transaction platform must first apply to the first payment application's server to register a sub-account so that, during the account splitting process, the sub-account can be used to receive payment resources for the transaction orders associated with it. The sub-account is typically an account for which the second participant does not have management authority over the account's payment resources.

[0098] Based on this, before transferring the payment resources of the target transaction order to the sub-account of the second party at the first payment application, the following steps may also be performed:

[0099] Obtain a sub-account creation request for the second participant sent by the trading platform.

[0100] In response to the sub-account creation request, a sub-account of the second party at the first payment application is generated.

[0101] In the embodiments of this specification, the second participant can submit an application to the transaction platform so as to register a sub-account at the first payment application through the transaction platform. In actual applications, the second participant can submit his or her business license and other registration information to the transaction platform. After the transaction platform has reviewed and approved the merchant's registration information, it can initiate a sub-account creation request for the second participant to the server of the first payment application so that the server of the first payment application can generate a sub-account for the second participant. Alternatively, the transaction platform can also carry the merchant's registration information in the sub-account creation request so that the server of the first payment application can register a sub-account for the merchant after reviewing and approving the merchant's registration information. There is no specific limitation on this.

[0102] In the embodiments of this specification, the same second participant can have multiple sub-accounts. For example, if the second participant has opened multiple online stores on the trading platform, the second participant can register a sub-account for each online store. Subsequently, the second participant can specify the sub-account required for sub-accounting the transaction orders generated by each online store. For example, the second participant can use the same sub-account to receive payment resources for transaction orders generated by multiple online stores, or the second participant can use a single sub-account to receive payment resources for transaction orders generated by a single online store, without specific limitation. However, the server of the first payment application can determine the sub-account required to receive the payment resources for each target transaction order based on the relevant order information of the target transaction order to ensure the second participant's willingness to split the account.

[0103] In the embodiments of this specification, after the first participant completes the payment for the target transaction order, the payment resources of the target transaction order can be transferred to the sub-account of the second participant. However, the first participant may subsequently make a full or partial refund for the target transaction order. Therefore, in order to protect the rights and interests of the first participant, the second participant will not be able to obtain management authority over the payment resources in its sub-account, so that after the first participant applies for a refund for the target transaction order, the server of the first payment application can return the payment resources in the sub-account to the first participant, which is beneficial to protecting the rights and interests of the first participant.

[0104] In the embodiments of this specification, criminals may engage in fraud and illegal activities through online sales. Therefore, according to national regulations, the server of the first payment application needs to conduct a risk review of the target transaction order when splitting the account for the target transaction order.

[0105] Based on this, before transferring the payment resources of the target transaction order to the sub-account of the second party at the first payment application, the following steps may also be performed:

[0106] Obtain order information of the target transaction order from the transaction platform.

[0107] A risk identification process is performed based on the order information of the target transaction order to obtain a risk identification result for the target transaction order.

[0108] Step 206: transferring the payment resources of the target transaction order to the sub-account of the second party at the first payment application may specifically include:

[0109] If the risk identification result meets the preset account splitting conditions, the payment resources of the target transaction order are transferred to the account splitting account of the second participant at the first payment application.

[0110] Furthermore, if the risk identification result does not meet the preset account splitting condition, an account splitting prohibition prompt message may be generated; the account splitting prohibition prompt message is used to prompt that account splitting processing for the target transaction order is prohibited based on the risk identification result of the target transaction order.

[0111] In the embodiments of this specification, after receiving an account splitting instruction for a target transaction order from the trading platform, the first payment application's server will conduct a risk review for each target transaction order. Specifically, based on the target transaction order number contained in the account splitting instruction, the first payment application's server may obtain more detailed order details from the trading platform, such as the registration information of the first and second parties, the quantity of goods in the order, the time the order transaction occurred, and the first and second parties' reserved phone numbers and delivery addresses.

[0112] Subsequently, the first payment application's server can perform risk identification based on the order details of the target transaction order. Furthermore, if the target transaction order is an order paid using the first payment account of the first payment application, the first payment application will also generate a payment order corresponding to the target transaction order, allowing the first payment application's server to perform risk identification based on the order details of the payment order corresponding to the target transaction order.

[0113] In actual applications, the server of the first payment application can use existing risk identification rules or risk identification models to perform risk identification processing on the target transaction order to obtain the risk identification result corresponding to the target transaction order. Among them, the risk identification result corresponding to the target transaction order can be in the form of a risk score, and the preset account splitting condition can be that if the risk score is less than a preset threshold, account splitting is allowed, otherwise, account splitting is prohibited. For example, assuming that the risk score is above 70 points, it usually indicates that there is a high possibility of transaction risk (such as money laundering risk, fraud risk, etc.), so account splitting can be prohibited. At this time, if the risk identification result corresponding to the target transaction order is 65 points, it can be said that the risk identification result meets the preset account splitting condition, so that the payment resources of the target transaction order in the first fund escrow account at the first payment application can be transferred to the second participant's account split at the first payment application.

[0114] In the embodiments of this specification, only after determining that the risk identification result corresponding to the target transaction order meets the preset account splitting conditions will the payment resources of the target transaction order be transferred to the account splitting account of the second participant at the first payment application to complete the account splitting, which is conducive to reducing the possibility of the second participant engaging in illegal and criminal activities through the transaction platform, so as to ensure the legality and compliance of the account splitting method.

[0115] In the embodiment of this specification, since the second party does not have the management authority for the payment resources in the sub-account and is therefore unable to control these payment resources, there is a need to withdraw the payment resources in the sub-account.

[0116] Based on this, after transferring the payment resources of the target transaction order to the sub-account of the second party at the first payment application, the following steps may also be performed:

[0117] Obtain a withdrawal instruction from the trading platform; the withdrawal instruction is used to instruct the transfer of target payment resources at the sub-account to the fourth payment account of the second participant, and the fourth payment account is an account for which the second participant has management authority over account payment resources.

[0118] In response to the withdrawal instruction, the target payment resource in the sub-account is transferred to the fourth payment account of the second participant.

[0119] In an embodiment of the present specification, the transaction platform may send a withdrawal instruction to the server of the first payment application. The withdrawal instruction usually needs to specify the amount of resources required to be withdrawn, but may not need to specify the transaction order information corresponding to the resources required to be withdrawn, thereby helping to simplify the withdrawal operation.

[0120] Upon receiving the withdrawal instruction, the server of the first payment application can transfer the target payment resources indicated by the withdrawal instruction from the second party's sub-account to a fourth payment account for which the second party has corresponding resource management permissions, thereby completing the withdrawal. The fourth payment account can be either the second party's payment account registered with the first payment application or a payment account at another financial institution, without specific limitation.

[0121] In the embodiments of this specification, by transferring the payment resources from the second participant's sub-account (the second participant does not have the corresponding resource management authority) to the fourth payment account (the second participant has the corresponding resource management authority), the withdrawal function of the payment resources after the sub-account can be realized, which is convenient and fast.

[0122] Figure 3 The embodiments of this specification provide corresponding Figure 2 A swimlane flow chart of the splitting method in . Figure 3 As shown, the account splitting process may involve execution entities such as the transaction platform, the service end of the first payment application and the financial institution.

[0123] During the account splitting phase, the transaction platform may send an account splitting instruction to the server of the first payment application for a target transaction order. The target transaction order may be a transaction order in which a first party uses a target payment application to pay a second party, where the target payment application may be either the first or second payment application.

[0124] In response to the account splitting instruction, the server of the first payment application can obtain the payment resource of the target transaction order. In actual application, the payment resource of the target transaction order can include at least one of the first payment resource, the second payment resource, and the third payment resource.

[0125] The first payment resource may be the resource paid by the first party for the target transaction order using the first payment account of the first payment application. The first payment application's server typically transfers the first payment resource in the first payment account to the first funds escrow account of the first payment application after payment for the target transaction order is completed. This allows the first payment resource to be obtained by the first payment application's server, without having to wait for the transaction platform to issue an account split instruction before transferring the first payment resource to the first funds escrow account.

[0126] The second payment resource may be a resource paid by the first participant using the second payment account at the second payment application for the target transaction order. For the second payment resource, the server of the first payment application may send a first resource transfer instruction to the financial institution for transferring a specified number of payment resources. After the target financial institution receives the first resource transfer instruction sent by the first payment application, it may transfer the specified number of payment resources from the second fund escrow account at the target financial institution to the first fund escrow account at the first payment application, wherein the specified number of payment resources may include the second payment resource paid by the first participant using the second payment account at the second payment application for the target transaction order. This allows the server of the first payment application to obtain the second payment resource.

[0127] The third payment resource can be the resource that the trading platform needs to pay for the target transaction order using the third payment account of the first payment application. After receiving the account split instruction, the first payment application's server can transfer the third payment resource in the trading platform's third payment account of the first payment application to the first funds escrow account of the first application according to the transaction rules of the actual transaction order, thereby allowing the first payment application's server to obtain the third payment resource.

[0128] Subsequently, the server of the first payment application may also obtain the order information of the target transaction order from the transaction platform, and perform risk identification on the order information of the target transaction order to obtain a risk identification result for the target transaction order. If the risk identification result meets the preset account splitting conditions, the server of the first payment application may transfer the payment resources of the target transaction order to the sub-account of the second participant at the first payment application, thereby completing the account splitting. If the risk identification result does not meet the account splitting conditions, the server of the first payment application will not perform the account splitting operation to prohibit the transfer of the payment resources of the target transaction order to the sub-account of the second participant at the first payment application.

[0129] During the refund phase, the trading platform can send a refund instruction for the target transaction order to the server of the first payment application. After receiving the refund instruction from the trading platform, the server of the first payment application can determine the initial transfer-out account of the payment resources of the target transaction order, such as the first payment account of the first payment application, the second payment account of the second payment application, the third payment account of the first payment application, etc., and refund the payment resources of the target transaction order to the original initial transfer-out account.

[0130] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method. Figure 4 The embodiments of this specification provide corresponding Figure 2 A schematic diagram of the structure of a bill splitting device. Figure 4As shown, the device may include:

[0131] A first acquisition module 402 is configured to acquire an account splitting instruction from a trading platform; the account splitting instruction is configured to instruct account splitting processing for a target transaction order generated by the trading platform; the target transaction order is a transaction order in which a first participant uses a target payment application to pay a second participant, and the target payment application is either the first payment application or the second payment application;

[0132] A second acquisition module 404 is used to acquire the payment resource of the target transaction order;

[0133] The account splitting module 406 is configured to transfer the payment resources of the target transaction order to the account splitting account of the second party at the first payment application in response to the account splitting instruction.

[0134] based on Figure 4 The present specification also provides some specific implementation plans of the device, which are described below.

[0135] Optionally, if the target transaction order is a transaction order in which the first party pays using the second payment account at the second payment application.

[0136] Correspondingly, the second acquisition module 404 includes:

[0137] An instruction sending unit, configured to send a first resource transfer instruction to a target financial institution; the first resource transfer instruction is used to instruct the transfer of a specified amount of payment resources from the target financial institution;

[0138] a resource receiving unit, configured to receive the specified amount of payment resources sent by the target financial institution; the specified amount of payment resources includes a second payment resource that the first party pays for the target transaction order using the second payment account; the second payment resource is a resource obtained by the target financial institution from a server of the second payment application;

[0139] The account splitting module 406 may specifically include:

[0140] The first account splitting unit is configured to transfer the second payment resource in the specified amount of payment resources to the account splitting account of the second participant.

[0141] Correspondingly, the resource receiving unit may be specifically configured to:

[0142] receive, by using the first fund escrow account at the first payment application, a specified amount of payment resources transferred from a second fund escrow account at the target financial institution; the second fund escrow account is used to store resources obtained by the target financial institution from a server of the second payment application;

[0143] The first sub-account unit can be specifically used for:

[0144] transferring the second payment resources at the first fund escrow account to a sub-account of the second participant.

[0145] Optionally, Figure 4 The apparatus described in the specification can further include:

[0146] The third obtaining module is configured to obtain a second resource transfer instruction sent by the transaction platform; the second resource transfer instruction is used to instruct to obtain the specified amount of payment resources from the target financial institution.

[0147] Optionally, the target transaction order can be a transaction order paid by the first participant using a first payment account at the first payment application.

[0148] Correspondingly, the second obtaining module 404 can include:

[0149] The first resource transfer unit is configured to transfer first payment resources paid by the first participant using the first payment account for the target transaction order from the first payment account to a first fund escrow account at the first payment application.

[0150] The sub-account module 406 can specifically include:

[0151] The second sub-account unit is configured to transfer the first payment resources at the first fund escrow account to a sub-account of the second participant.

[0152] Optionally, the second obtaining module 404 can further include:

[0153] The second resource transfer unit is configured to, if it is determined according to the sub-account instruction that the transaction platform needs to pay the second participant third payment resources for the target transaction order, transfer the third payment resources in a third payment account of the transaction platform at the first payment application to the first fund escrow account.

[0154] The sub-account module 406 can further include:

[0155] The third sub-account unit is configured to transfer the third payment resources at the first fund escrow account to a sub-account of the second participant.

[0156] Optional, Figure 4 The device described in may further include:

[0157] The fourth acquisition module is used to obtain the account refund instruction for the target transaction order from the trading platform.

[0158] An account determination module is used to determine the initial transfer-out account of the payment resources of the target transaction order in response to the refund instruction; the initial transfer-out account includes at least one of the first payment account, the second payment account and the third payment account.

[0159] The sub-account return module is used to transfer the payment resources of the target transaction order in the sub-account to the initial transfer-out account.

[0160] Optional, Figure 4 The device described in may further include:

[0161] A fifth obtaining module is configured to obtain a sub-account creation request for the second participant sent by the trading platform.

[0162] A sub-account generation module is configured to generate a sub-account of the second party at the first payment application in response to the sub-account creation request.

[0163] Optional, Figure 4 The device described in may further include:

[0164] The sixth acquisition module is used to obtain the order information of the target transaction order from the transaction platform.

[0165] The risk identification module is used to perform risk identification processing based on the order information of the target transaction order to obtain a risk identification result for the target transaction order.

[0166] Correspondingly, the account splitting module 406 can be specifically used to:

[0167] If the risk identification result meets the preset account splitting conditions, the payment resources of the target transaction order are transferred to the account splitting account of the second participant at the first payment application.

[0168] Optional, Figure 4 The device described in may further include:

[0169] The account splitting prohibition module is used to generate an account splitting prohibition prompt message if the risk identification result does not meet the preset account splitting conditions; the account splitting prohibition prompt message is used to prompt that account splitting processing is prohibited for the target transaction order based on the risk identification result of the target transaction order.

[0170] Optional, Figure 4 The device described in may further include:

[0171] The seventh acquisition module is used to obtain the withdrawal instruction of the trading platform; the withdrawal instruction is used to instruct the transfer of the target payment resources at the sub-account to the fourth payment account of the second participant, and the fourth payment account is an account of the second participant with management authority over the account payment resources.

[0172] A withdrawal module is configured to transfer the target payment resource in the sub-account to a fourth payment account of the second participant in response to the withdrawal instruction.

[0173] Based on the same idea, the embodiments of this specification also provide devices corresponding to the above methods.

[0174] Figure 5 The embodiments of this specification provide corresponding Figure 2 A schematic diagram of the structure of a bill-splitting device. Figure 5 As shown, the device 500 may include:

[0175] at least one processor 510; and,

[0176] A memory 530 in communication with the at least one processor; wherein,

[0177] The memory 530 stores instructions 520 executable by the at least one processor 510. The instructions are executed by the at least one processor 510 to enable the at least one processor 510 to:

[0178] Obtain an account splitting instruction from the trading platform; the account splitting instruction is used to instruct account splitting processing for a target transaction order generated at the trading platform; the target transaction order is a transaction order in which a first participant uses a target payment application to pay a second participant, and the target payment application is either the first payment application or the second payment application.

[0179] Obtain the payment resource for the target transaction order.

[0180] In response to the account splitting instruction, the payment resources of the target transaction order are transferred to the account splitting account of the second participant at the first payment application.

[0181] The various embodiments in this specification are described in a progressive manner. The same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. Figure 5As for the device shown, 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.

[0182] In the 1990s, technological improvements could be clearly distinguished as either hardware improvements (for example, improvements to circuit structures such as diodes, transistors, and switches) or software improvements (improvements to process flows). However, with the advancement of technology, many process flow improvements today can now be considered direct improvements to hardware circuit structures. Designers almost always create the corresponding hardware circuit structure by programming the improved process flow into the hardware circuit. Therefore, it cannot be said that a process flow improvement cannot be implemented using hardware modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is an integrated circuit whose logical function is determined by user programming. Designers can "integrate" a digital system onto a PLD through their own programming, without having to hire a chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly done using "logic compiler" software. This is similar to the software compiler used when developing programs. Before compilation, the original code must also be written in a specific programming language, called a hardware description language (HDL). There is not just one HDL, but many, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that by simply programming the method flow in one of these hardware description languages ​​and then programming it into an integrated circuit, a hardware circuit that implements the logic method flow can be easily obtained.

[0183] The controller can be implemented in any suitable way, e.g. the controller can take the form of a microprocessor or processor and a computer readable medium storing computer readable program code, e.g. software or firmware, executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller and an embedded microcontroller, examples of controllers include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91 SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also know that in addition to being implemented in pure computer readable program code form, the controller can perfectly well be implemented by means of logic programmed into logic gates, switches, application specific integrated circuits, programmable logic controllers and embedded microcontrollers, etc. to perform the same functions. The controller can thus be considered as a hardware component, and the means comprised therein for performing various functions can be considered as structures within the hardware component. Alternatively, or even additionally, the means for performing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0184] The systems, apparatuses, modules or units illustrated by the above embodiments can be implemented by computer chips or entities, or products with certain functions. A typical implementation device is a computer. Specifically, the computer can be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0185] For the sake of description, the above apparatuses are described in functional division and are described respectively. Of course, the functions of the units can be implemented in the same or multiple software and / or hardware in the implementation of the present application.

[0186] Those skilled in the art will appreciate that embodiments of the present application can be provided as methods, systems, or computer program products. Accordingly, the present application can be embodied in the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present application can be embodied in the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk memory, CD-ROMs, optical storage media, etc.) having computer usable program code embodied therein.

[0187] 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 flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, 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 processes in the flowcharts and / or block diagrams. 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.

[0188] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work 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 The function specified in one or more boxes.

[0189] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0190] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0191] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0192] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0193] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0194] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present application may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0195] The present application may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communications network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0196] The foregoing is merely an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present application should all be included within the scope of the claims of the present application.

Claims

1. A payment splitting method, applied to a server of a first payment application, comprising: Obtaining an account splitting instruction from a trading platform; the account splitting instruction is used to instruct account splitting processing for a target transaction order generated by the trading platform; The target transaction order is a transaction order in which the first party uses the target payment application to make a payment to the second party. The target payment application is either the first payment application or the second payment application. The second payment application is a payment application other than the first payment application. Obtaining a payment resource for the target transaction order, including: using a first funds escrow account at the first payment application to receive a second payment resource obtained by the target financial institution from a server of the second payment application, where the second payment resource is a resource that the first party pays for the target transaction order using a second payment account at the second payment application; In response to the account splitting instruction, the payment resources of the target transaction order are transferred to the sub-account of the second participant at the first payment application, including: transferring the second payment resources at the first funds escrow account to the sub-account of the second participant.

2. In the method of claim 1, if the target transaction order is a transaction order in which the first party pays using the second payment account of the second payment application, obtaining the payment resource of the target transaction order specifically includes: sending a first resource transfer instruction to a target financial institution; The first resource transfer instruction is used to instruct the transfer of a specified amount of payment resources from the target financial institution; receiving the specified amount of payment resources sent by the target financial institution; the specified amount of payment resources includes a second payment resource that the first party pays for the target transaction order using the second payment account; the second payment resource is a resource obtained by the target financial institution from a server of the second payment application; Transferring the payment resources of the target transaction order to the sub-account of the second participant at the first payment application specifically includes: The second payment resource in the specified amount of payment resources is transferred to the sub-account of the second participant.

3. The method according to claim 2, wherein receiving the specified amount of payment resources sent by the target financial institution comprises: Using a first funds escrow account at the first payment application, receiving a specified amount of payment resources transferred from a second funds escrow account at the target financial institution; the second funds escrow account is used to store the resources obtained by the target financial institution from the server of the second payment application; The transferring of the second payment resource from the designated amount of payment resources to the sub-account of the second participant specifically includes: The second payment resource in the first fund escrow account is transferred to the sub-account of the second participant.

4. The method according to claim 3, before sending the first resource transfer instruction to the target financial institution, further comprising: Obtaining a second resource transfer instruction sent by the trading platform; The second resource transfer instruction is used to instruct to obtain the specified amount of payment resources from the target financial institution.

5. In the method of claim 1, if the target transaction order is a transaction order in which the first party pays using the first payment account of the first payment application, obtaining the payment resource of the target transaction order specifically includes: Transferring the first payment resource paid by the first party for the target transaction order using the first payment account from the first payment account to a first fund escrow account at the first payment application; Transferring the payment resources of the target transaction order to the sub-account of the second participant at the first payment application specifically includes: The first payment resource in the first fund escrow account is transferred to the sub-account of the second participant.

6. The method according to any one of claims 3 to 5, wherein obtaining the payment resource of the target transaction order further comprises: If it is determined according to the account splitting instruction that the trading platform needs to pay the third payment resource to the second participant for the target transaction order, the third payment resource in the third payment account of the trading platform at the first payment application is transferred to the first funds escrow account; The transferring of the payment resources of the target transaction order to the sub-account of the second participant at the first payment application further includes: The third payment resource at the first fund escrow account is transferred to the sub-account of the second participant.

7. The method of claim 6, further comprising, after transferring the payment resources of the target transaction order to the sub-account of the second party at the first payment application: Obtaining a refund instruction from the trading platform for the target transaction order; In response to the refund instruction, determining an initial transfer-out account for the payment resources of the target transaction order; the initial transfer-out account includes at least one of the first payment account, the second payment account, and the third payment account; Transfer the payment resources of the target transaction order in the sub-account to the initial transfer-out account.

8. The method of claim 6, before transferring the payment resources of the target transaction order to the sub-account of the second party at the first payment application, further comprising: Obtaining a sub-account creation request for the second party sent by the trading platform; In response to the sub-account creation request, a sub-account of the second party at the first payment application is generated.

9. The method of claim 1, before transferring the payment resources of the target transaction order to the sub-account of the second party at the first payment application, further comprising: Obtaining order information of the target transaction order from the trading platform; performing risk identification processing based on the order information of the target transaction order to obtain a risk identification result for the target transaction order; Transferring the payment resources of the target transaction order to the sub-account of the second participant at the first payment application specifically includes: If the risk identification result meets the preset account splitting conditions, the payment resources of the target transaction order are transferred to the account splitting account of the second participant at the first payment application.

10. The method according to claim 9, wherein after performing risk identification processing based on the order information of the target transaction order and obtaining a risk identification result for the target transaction order, the method further comprises: If the risk identification result does not meet the preset account splitting conditions, a prompt message prohibiting account splitting is generated; The account split prohibition prompt information is used to prompt that account splitting processing for the target transaction order is prohibited based on the risk identification result of the target transaction order.

11. The method according to claim 1, wherein the sub-account is an account for which the second participant does not have management authority over account payment resources; After transferring the payment resources of the target transaction order to the sub-account of the second party at the first payment application, the method further includes: Obtaining withdrawal instructions from the trading platform; The withdrawal instruction is used to instruct the transfer of target payment resources in the sub-account to a fourth payment account of the second participant, where the fourth payment account is an account for which the second participant has management authority over account payment resources; In response to the withdrawal instruction, the target payment resource in the sub-account is transferred to the fourth payment account of the second participant.

12. A payment splitting device, applied to a server of a first payment application, comprising: A first acquisition module is configured to acquire an account splitting instruction from a trading platform; the account splitting instruction is configured to instruct account splitting processing to be performed on a target transaction order generated on the trading platform; The target transaction order is a transaction order in which the first party uses the target payment application to make a payment to the second party. The target payment application is either the first payment application or the second payment application. The second payment application is a payment application other than the first payment application. A second acquisition module, configured to acquire the payment resource for the target transaction order, comprising: utilizing the first funds escrow account of the first payment application to receive a second payment resource obtained by the target financial institution from the server of the second payment application, wherein the second payment resource is a resource that the first party pays for the target transaction order using the second payment account of the second payment application; The account splitting module is used to transfer the payment resources of the target transaction order to the sub-account of the second participant at the first payment application in response to the account splitting instruction, including: transferring the second payment resources at the first funds escrow account to the sub-account of the second participant.

13. The apparatus of claim 12, wherein if the target transaction order is a transaction order in which the first party pays using the second payment account of the second payment application, the second acquisition module comprises: an instruction sending unit, configured to send a first resource transfer instruction to a target financial institution; The first resource transfer instruction is used to instruct the transfer of a specified amount of payment resources from the target financial institution; a resource receiving unit, configured to receive the specified amount of payment resources sent by the target financial institution; the specified amount of payment resources includes a second payment resource that the first party pays for the target transaction order using the second payment account; the second payment resource is a resource obtained by the target financial institution from a server of the second payment application; The account splitting module specifically includes: The first account splitting unit is configured to transfer the second payment resource in the specified amount of payment resources to the account splitting account of the second participant.

14. The apparatus according to claim 13, wherein the resource receiving unit is specifically configured to: Using a first funds escrow account at the first payment application, receiving a specified amount of payment resources transferred from a second funds escrow account at the target financial institution; the second funds escrow account is used to store the resources obtained by the target financial institution from the server of the second payment application; The first account splitting unit is specifically configured to: The second payment resource in the first fund escrow account is transferred to the sub-account of the second participant.

15. The apparatus of claim 14, further comprising: A third acquisition module is used to acquire a second resource transfer instruction sent by the trading platform; The second resource transfer instruction is used to instruct to obtain the specified amount of payment resources from the target financial institution.

16. The apparatus of claim 12, wherein if the target transaction order is a transaction order in which the first party pays using the first payment account of the first payment application, the second obtaining module comprises: a first resource transfer unit, configured to transfer the first payment resource paid by the first party for the target transaction order using the first payment account from the first payment account to a first fund escrow account at the first payment application; The account splitting module includes: The second account sub-account unit is configured to transfer the first payment resource in the first fund escrow account to the sub-account of the second participant.

17. The apparatus according to any one of claims 14 to 16, wherein the second acquisition module further comprises: a second resource transfer unit configured to transfer the third payment resource in the third payment account of the trading platform at the first payment application to the first funds escrow account if it is determined, based on the account splitting instruction, that the trading platform needs to pay the third payment resource to the second participant for the target transaction order; The account splitting module further includes: The third account sub-account unit is configured to transfer the third payment resource in the first fund escrow account to the sub-account of the second participant.

18. The apparatus of claim 17, further comprising: A fourth acquisition module is configured to acquire an account refund instruction from the trading platform for the target transaction order; an account determination module, configured to determine, in response to the refund instruction, an initial transfer-out account for the payment resources of the target transaction order; the initial transfer-out account comprising at least one of the first payment account, the second payment account, and the third payment account; The sub-account return module is used to transfer the payment resources of the target transaction order in the sub-account to the initial transfer-out account.

19. The apparatus of claim 17, further comprising: a fifth obtaining module, configured to obtain a sub-account creation request for the second party sent by the trading platform; A sub-account generation module is configured to generate a sub-account of the second party at the first payment application in response to the sub-account creation request.

20. The apparatus of claim 12, further comprising: A sixth acquisition module, configured to acquire order information of the target transaction order from the trading platform; a risk identification module, configured to perform risk identification processing based on the order information of the target transaction order and obtain a risk identification result for the target transaction order; The account splitting module is specifically used to: If the risk identification result meets the preset account splitting conditions, the payment resources of the target transaction order are transferred to the account splitting account of the second participant at the first payment application.

21. The apparatus of claim 20, further comprising: A prohibition account splitting module is used to generate a prohibition account splitting prompt message if the risk identification result does not meet the preset account splitting conditions; The account split prohibition prompt information is used to prompt that account splitting processing for the target transaction order is prohibited based on the risk identification result of the target transaction order.

22. The apparatus of claim 12, wherein the sub-account is an account for which the second participant does not have management authority over account payment resources; the apparatus further comprising: A seventh acquisition module, configured to acquire a withdrawal instruction from the trading platform; The withdrawal instruction is used to instruct the transfer of target payment resources in the sub-account to a fourth payment account of the second participant, where the fourth payment account is an account for which the second participant has management authority over account payment resources; A withdrawal module is configured to transfer the target payment resource in the sub-account to a fourth payment account of the second participant in response to the withdrawal instruction.

23. An account splitting device, the account splitting device being a server-side device of a first payment application, comprising: at least one processor; as well as, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to: Obtaining an account splitting instruction from the trading platform; the account splitting instruction is used to instruct account splitting processing for a target transaction order generated on the trading platform; the target transaction order is a transaction order in which a first participant uses a target payment application to pay a second participant, the target payment application is either the first payment application or the second payment application; the second payment application is a payment application other than the first payment application; Obtaining a payment resource for the target transaction order, including: using a first funds escrow account at the first payment application to receive a second payment resource obtained by the target financial institution from a server of the second payment application, where the second payment resource is a resource that the first party pays for the target transaction order using a second payment account at the second payment application; In response to the account splitting instruction, the payment resources of the target transaction order are transferred to the sub-account of the second participant at the first payment application, including: transferring the second payment resources at the first funds escrow account to the sub-account of the second participant.

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