A transaction settlement method, system, device and storage medium

Abstract

Embodiments of the present application disclose a transaction settlement method, system, device and storage medium, wherein the method is applied to the system, the system comprises a settlement server of an online transaction platform and a business server of a business channel connected with the online transaction platform, the system supports multiple settlement modes, and in different settlement modes, the settlement server and the business server are responsible for different processing links in transaction settlement processes. The method comprises the following steps: determining a source business channel and a corresponding target merchant of a target order to be settled; determining a settlement mode of the target merchant in the source business channel as a target settlement mode; and performing settlement processing on transaction money corresponding to the target order by at least one of the settlement server and the business server of the source business channel based on the target settlement mode. The method can adapt to the business characteristics of the business channel to perform settlement processing on the transaction money, so that the settlement mode of the transaction money meets the actual settlement demand of the merchant.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computer, in particular to a transaction settlement method, system, device and storage medium. BACKGROUND

[0002] Nowadays, in order to help the development of online commercial payment and meet the multi-scenario transaction needs of merchants, some online transaction platforms can be connected with multiple business channels, that is, the merchants registered in the online transaction platform can open order payment business under multiple business channels, and support buyers to make order payment through different business channels (such as different application programs).

[0003] At present, all transaction flow generated in the online transaction platform is usually settled by the settlement server of the online transaction platform. Specifically, the settlement server of the online transaction platform can make the transaction amount generated on the merchant side to the account that the merchant can dispose of according to certain billing rules and payment rules based on the transaction contract of the merchant on the online transaction platform.

[0004] However, in actual application, the transaction flow generated through different business channels usually has different business characteristics. It is difficult to comprehensively consider the business characteristics of various business channels when the settlement server of the online transaction platform uniformly settles the transaction flow from various business channels, that is, it is impossible to adapt to the business characteristics of the business channel to settle the transaction flow from the business channel. As a result, in many cases, the settlement method of the transaction flow does not match the actual settlement needs of the merchant, which affects the online transaction experience of the merchant. SUMMARY

[0005] The embodiments of the present application provide a transaction settlement method, system, device and storage medium, which can adapt to the business characteristics of the business channel to settle the transaction amount, and ensure that the settlement method of the transaction amount meets the actual settlement needs of the merchant.

[0006] Therefore, the first aspect of the present application provides a transaction settlement method, which is applied to a transaction settlement system, the transaction settlement system includes a settlement server of an online transaction platform and a business server of a business channel connected with the online transaction platform; the transaction settlement system supports multiple settlement modes, and in different settlement modes, the settlement server and the business server are responsible for different processing links in the transaction settlement process respectively; the method comprises:

[0007] For a target order to be settled, determining the source business channel of the target order and the target merchant corresponding to the target order;

[0008] According to the source business channel and the target merchant, a settlement mode of the target merchant under the source business channel is determined as a target settlement mode;

[0009] Based on the target settlement mode, at least one of the settlement server and a target business server performs settlement processing on transaction money corresponding to the target order; the target business server is a business server of the source business channel.

[0010] The second aspect of the application provides a transaction settlement system, the transaction settlement system comprising: a settlement server of an online transaction platform, and a business server of a business channel connected with the online transaction platform; the transaction settlement system supports multiple settlement modes, and in different settlement modes, the settlement server and the business server are responsible for different processing links in transaction settlement processes respectively executed by the settlement server and the business server;

[0011] The settlement server is configured to determine, for a target order to be settled, a source business channel of the target order and a target merchant corresponding to the target order, and determine, according to the source business channel and the target merchant, a settlement mode of the target merchant under the source business channel as a target settlement mode.

[0012] At least one of the settlement server and a target business server is configured to perform settlement processing on transaction money corresponding to the target order based on the target settlement mode; the target business server is a business server of the source business channel.

[0013] The third aspect of the application provides a server, the device comprising a processor and a memory:

[0014] The memory is configured to store a computer program;

[0015] The processor is configured to execute steps of the settlement server side or steps of the business server side in the transaction settlement method according to the computer program.

[0016] The fourth aspect of the application provides a computer readable storage medium, the computer readable storage medium is configured to store a computer program, the computer program is configured to execute steps of the settlement server side or steps of the business server side in the transaction settlement method.

[0017] The fifth aspect of the present application provides a computer program product or computer program, which comprises computer instructions stored in a computer readable storage medium. A processor of a computer device reads the computer instructions from the computer readable storage medium, and the processor executes the computer instructions to enable the computer device to perform the steps of the settlement server side or the steps of the business server side in the transaction settlement method of the first aspect.

[0018] From the above technical solutions, it can be seen that the embodiments of the present application have the following advantages:

[0019] The embodiments of the present application provide a transaction settlement method, which innovatively proposes a plurality of settlement modes suitable for an online transaction platform. In different settlement modes, the processing links in the transaction settlement process performed by the settlement server of the online transaction platform and the business server of the business channel connected to the online transaction platform are different. In the transaction settlement method, for a target order to be settled, the source business channel of the target order and the target merchant corresponding to the target order are determined; then, the settlement mode of the target merchant in the source business channel is determined as a target settlement mode; and then, based on the target settlement mode, at least one of the settlement server and the target business server (the business server of the source business channel) performs settlement processing on the transaction amount corresponding to the target order. The transaction settlement method proposes a plurality of settlement modes, which can be flexibly adapted to various transaction settlement scenarios and meet the transaction settlement needs of merchants in various transaction settlement scenarios. Moreover, some settlement modes proposed by the transaction settlement method float the processing links in the transaction settlement process to the business server of the business channel, so that the business server can participate in the transaction settlement process. In this way, the business server can adapt to the business characteristics of the business channel, flexibly control the processing links responsible for its execution, so as to make the transaction settlement process more flexible and more matched with the transaction settlement needs of merchants, thereby improving the transaction settlement experience of merchants. BRIEF DESCRIPTION OF DRAWINGS

[0020] Figure 1 The working principle schematic diagram of the transaction settlement system provided by the embodiments of the present application is shown;

[0021] Figure 2 The flowchart of the transaction settlement method provided by the embodiments of the present application is shown;

[0022] Figure 3 The deployment architecture schematic diagram of each function in the transaction settlement system provided by the embodiments of the present application is shown;

[0023] Figure 4 The implementation process schematic diagram of changing the settlement contract provided by the embodiments of the present application is shown;

[0024] Figure 5 A schematic diagram of a transaction settlement process provided for an embodiment of the present application is shown in FIG. 1.

[0025] Figure 6 A structural schematic diagram of a transaction settlement system provided for an embodiment of the present application is shown in FIG. 2.

[0026] Figure 7 A structural schematic diagram of a server provided for an embodiment of the present application is shown in FIG. 3. DETAILED DESCRIPTION

[0027] In order to make the personnel in the technical field better understand the present application, the technical solutions in the embodiments of the present application will be described clearly and completely below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative labor fall within the scope of protection of the present application.

[0028] The terms "first", "second", "third", "fourth" and the like (if any) in the specification and claims of the present application and the above-described drawings are used to distinguish similar objects, and do not necessarily indicate a specific order or a chronological sequence. It should be understood that the data thus used can be interchanged under appropriate circumstances, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product or device that includes a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but can include other steps or units not clearly listed or inherent to the process, method, product or device.

[0029] In the related art, the transaction amount on the online transaction platform from various business channels is usually uniformly settled by the settlement server of the online transaction platform. This transaction settlement mode is easy to ignore the business characteristics of different business channels, and is difficult to adapt to the business characteristics of the business channels to settle the transaction amount of the merchant. For the merchant, these transaction settlement modes are difficult to meet the transaction settlement needs of the merchant in many cases, and the online transaction settlement experience is poor.

[0030] In view of the problems in the above related art, the embodiments of the present application provide a transaction settlement method, which can adapt to the business characteristics of the business channels to settle the transaction amount, and ensure that the settlement mode of the transaction amount meets the actual settlement needs of the merchant.

[0031] Specifically, the transaction settlement method provided in the embodiments of the present application is applied to a transaction settlement system, the transaction settlement system comprising: a settlement server of an online transaction platform, and a business server of a business channel which is connected to the online transaction platform; the transaction settlement system supports multiple settlement modes, and in different settlement modes, the settlement server and the business server are responsible for different processing links in the transaction settlement process. In the transaction settlement method provided in the embodiments of the present application, for a target order to be settled, the source business channel of the target order and the target merchant corresponding to the target order are determined; then, according to the source business channel and the target merchant, the settlement mode of the target merchant in the source business channel is determined as a target settlement mode; and then, based on the target settlement mode, at least one of the settlement server and the target business server performs settlement processing on the transaction amount corresponding to the target order, where the target business server is the business server of the source business channel.

[0032] The transaction settlement method innovatively proposes multiple settlement modes suitable for the online transaction platform, which can be flexibly adapted to various transaction settlement scenarios and meet the transaction settlement needs of merchants in various transaction settlement scenarios. Moreover, some settlement modes proposed in the transaction settlement method float the processing links in the transaction settlement process to the business server of the business channel, so that the business server can participate in the transaction settlement process, and thus the business server can adapt to the business characteristics of the business channel, flexibly control the processing links responsible for by the business server, so as to make the transaction settlement process more flexible and more matched with the transaction settlement needs of the merchants, thereby improving the transaction settlement experience of the merchants.

[0033] It should be understood that the transaction settlement method provided in the embodiments of the present application is completed by the settlement server and the business server in the transaction settlement system. The settlement server can be an independent physical server, or a server cluster or a distributed system composed of multiple physical servers; the business server can be an independent physical server, or a server cluster or a distributed system composed of multiple physical servers. As disclosed in the present application, the multiple servers included in the transaction settlement system to which the transaction settlement method is applied can form a blockchain, and the servers are nodes on the blockchain.

[0034] In order to facilitate understanding of the transaction settlement method provided in the embodiments of the present application, the transaction settlement system provided in the embodiments of the present application will be introduced first, and the application scenario of the transaction settlement method provided in the embodiments of the present application will be exemplarily introduced in combination with the transaction settlement system.

[0035] Reference is made to Figure 1 , Figure 1 the working principle of the transaction settlement system provided in the embodiments of the present application. As Figure 1As shown, the transaction settlement system includes a settlement server 110 of an online transaction platform, and business servers 120, 130 and 140 of various business channels interfaced with the online transaction platform, wherein the business servers 120, 130 and 140 can communicate with the settlement server 110 through a network.

[0036] In actual applications, the online transaction platform can interface with various business channels, i.e., the online transaction platform can support a merchant to open order payment services under various business channels; correspondingly, a buyer user can pay a transaction order with the merchant through any one of the various business channels. For example, the online transaction platform can support a merchant to open order payment services based on an application A, order payment services based on an application B, and order payment services based on an application C, and correspondingly, a buyer user can pay a transaction order with the merchant through any one of the applications A, B and C.

[0037] It should be understood that Figure 1 It should be understood that

[0038] It should be understood that Figure 1 The transaction settlement system shown can support various settlement modes, and in different settlement modes, the settlement server and the business server are responsible for different processing links in the transaction settlement process. For example, it is assumed that Figure 1 The transaction settlement system shown supports a standard settlement mode, a self-billing settlement mode and a self-settlement mode; in the standard settlement mode, the settlement server can be responsible for all processing links in the transaction settlement process, i.e., the settlement server can perform the order transaction fee billing link, the order transaction fee settlement link, and the transaction fee payment link; in the self-billing settlement mode, the settlement server and the business server can be responsible for different processing links in the transaction settlement process, i.e., the business server can perform the order transaction fee billing link, and the settlement server can perform the order transaction fee settlement link and the transaction fee payment link; in the self-settlement mode, the business server can be responsible for all processing links in the transaction settlement process, i.e., the business server can be responsible for performing the order transaction fee billing link and the transaction payment link, and since the self-settlement mode is usually applicable to a single transaction order real-time settlement transaction scenario, it is not necessary to perform the order transaction fee settlement link.

[0039] In actual application, when the transaction settlement system obtains a target order to be settled, the source business channel of the target order and the target merchant corresponding to the target order can be determined first. For example, as shown in Figure 1 , it is assumed that a user completes a transaction order by using an application A, and the transaction order is a target order to be settled for the transaction settlement system. At this time, the settlement server 110 in the transaction settlement system needs to determine the source business channel of the target order. Since the target order is paid by the user through the application A, the source business channel of the target order should be the application A. The settlement server 110 also needs to determine the target merchant corresponding to the target order. For example, if the target order is generated because the user purchases a product in an online store, the online store should be the target merchant corresponding to the target order.

[0040] Then, the settlement server 110 can determine the settlement mode of the target merchant under the source business channel as a target settlement mode according to the source business channel and the target merchant. For example, the settlement server 110 can search for a settlement contract corresponding to the source business channel of the target merchant on the online transaction platform. The settlement contract records the settlement mode of the target merchant under the source business channel. It should be noted that the above settlement contract is generated by the transaction settlement system according to the basic information provided by the target merchant. The settlement contract not only records the settlement mode of the target merchant under the corresponding business channel, but also records the settlement information such as the billing rules and settlement period of the target merchant. The settlement contract can be used to provide the transaction settlement system with settlement basis for the transaction amount generated by the target merchant under the business channel.

[0041] Further, the transaction settlement system and at least one of the target business server can perform settlement processing on the transaction amount corresponding to the target order based on the determined target settlement mode. Here, the target business server is the business server of the source business channel. For example, as shown in Figure 1 , it is assumed that the source business channel is the application A, and the target business server should be the business server 120 of the application A. Specifically, the target settlement mode can be used to determine the execution subject of each processing link in the transaction settlement process to perform settlement processing on the transaction amount corresponding to the target order.

[0042] For example, if the target settlement mode is the standard settlement mode described above, the settlement server 110 independently completes the settlement of the transaction amount corresponding to the target order; if the target settlement mode is the autonomous billing settlement mode described above, the target service server 120 and the settlement server 110 cooperatively complete the settlement of the transaction amount corresponding to the target order; and if the target settlement mode is the autonomous settlement mode described above, the target service server 120 independently completes the settlement of the transaction amount corresponding to the target order. In different settlement modes, the specific operations performed by the settlement server 110 and / or the target service server 120 will be described in detail in the method embodiments below.

[0043] It should be understood that Figure 1 The structure of the transaction settlement system shown is only an example. In actual applications, the settlement server 110 can also be a server cluster composed of multiple servers, the service servers 120, 130, and 140 can also be server clusters composed of multiple servers, and the transaction settlement system can include more or fewer service servers. The present application does not limit the structure of the transaction settlement system in any way.

[0044] The transaction settlement method provided by the present application will be described in detail below through method embodiments.

[0045] Referring to Figure 2 , Figure 2 The flowchart of the transaction settlement method provided by the present application is applied to the transaction settlement system shown. Figure 1 As shown in the figure, the transaction settlement method includes the following steps: Figure 2

[0046] Step 201: For a target order to be settled, determine the source service channel of the target order and the target merchant corresponding to the target order.

[0047] In actual applications, a transaction flow order generated on an online transaction platform is usually marked with the corresponding source service channel and the merchant corresponding to the transaction flow order. Based on this, in the technical solution provided by the present application, when the transaction settlement system settles a target order to be settled, it can first determine the source service channel of the target order and the target merchant corresponding to the target order according to the information marked for the target order.

[0048] ​In an exemplary scenario, in response to the operation of the buyer user purchasing a commodity in the online store of the target merchant through the application A, the transaction settlement system can correspondingly generate a transaction order, and after the buyer user completes the payment operation for the transaction order, the transaction order is a target order to be settled to the target merchant for the transaction settlement system, and the transaction amount paid by the buyer user for the transaction order is stored in the account to be settled of the target merchant. Since the corresponding source business channel (i.e., the application A) and the corresponding target merchant of the target order are marked in the process of generating the target order, the settlement server of the online transaction platform in the transaction settlement system can obtain the source business channel of the target order and the target merchant corresponding to the target order from the information marked for the target order.

[0049] It should be understood that the above scenario of generating a target order is only an example, and in actual application, the above target order can also be generated in other scenarios; for example, when the buyer user pays a member fee to an application operator through an application, the above target order can also be correspondingly generated; the present application does not limit the generation scenario of the target order. In addition, regardless of the scenario in which the target order is generated, the transaction settlement system marks the corresponding source business channel and target merchant for the target order.

[0050] It should be noted that in the process of online transaction, after the buyer user completes the payment operation of the transaction order, the transaction amount paid by the buyer user will not be directly transferred to the account that can be freely disposed of by the target merchant, but will be first transferred to the account to be settled of the target merchant on the online transaction platform. The transaction amount stored in the account to be settled is not freely disposable for the target merchant. Further, the transaction settlement system will process the respective transaction amounts corresponding to each order in the account to be settled of the target merchant according to the settlement rules of the target merchant on the online transaction platform, to determine the service fee to be paid by the target merchant to the online transaction platform and the actual transaction amount to be obtained by the target merchant, and transfer the actual transaction amount to be obtained by the target merchant to the account that can be freely disposed of by the target merchant, such as the cash account, bank account, etc. on the online transaction platform. The technical solution provided by the embodiments of the present application protects the settlement process of the above transaction amount.

[0051] It should be understood that in actual application, the above step 201 can be executed by the settlement server of the online transaction platform in the transaction settlement system, or can be executed by the business server corresponding to the source business channel in the transaction settlement system; or, a processing server dedicated to determining the source business channel and the target merchant can be deployed in the transaction settlement system, and the processing server executes the above step 201. The present application does not limit the execution subject of step 201.

[0052] Step 202: According to the source business channel and the target merchant, a settlement mode of the target merchant under the source business channel is determined as a target settlement mode.

[0053] After determining the source business channel of the target order and the target merchant corresponding to the target order, the transaction settlement system can further determine the settlement mode of the target merchant under the source business channel as the target settlement mode for settling the transaction amount corresponding to the target order.

[0054] It should be noted that in the technical solutions provided in the embodiments of the present application, the online transaction platform can support the opening of order payment business by merchants under multiple business channels; when a merchant applies to open order payment business under a certain business channel, the transaction settlement system can correspondingly determine the settlement mode applicable to the merchant under the business channel, and the settlement mode is correspondingly used for settlement processing of the transaction amount generated by the merchant under the business channel.

[0055] In a possible implementation, the transaction settlement system can configure the settlement mode of the target merchant under a certain business channel in the following manner: when the business server corresponding to the business channel detects that the target merchant opens order payment business corresponding to the business channel, the basic information of the target merchant can be obtained, where the basic information of the target merchant at least includes the legal person information of the target merchant, the scale of the target merchant, the business project of the target merchant, and the transaction mode of the target merchant; and then, the business server can determine the settlement mode of the target merchant under the business channel according to the basic information of the target merchant.

[0056] Specifically, when the target merchant needs to open order payment business under a certain business channel connected to the online transaction platform, the target merchant can apply for order payment business through the business channel, and provide its own basic information to the business server of the business channel at the same time of applying for order payment business. For example, assuming that the target merchant needs to open order payment business based on application program A, the target merchant can fill in its own basic information such as legal person information, scale, business project, transaction mode, etc. on the order payment business opening interface provided by application program A, and after the target merchant confirms the completion of filling in the basic information, the business server of application program A can correspondingly obtain the basic information filled in by the target merchant.

[0057] It should be understood that in actual application, when the business server determines the settlement mode applicable to the merchant under the corresponding business channel, it can also refer to other information in addition to the basic information of the merchant such as legal person information, scale, business project and transaction mode, and the present application does not limit the information referred to by the business server when configuring the settlement mode.

[0058] Further, the business server of the business channel can determine the settlement mode applicable to the target merchant under the business channel according to the basic information of the target merchant. For example, the business server can determine the settlement mode applicable to the target merchant under the business channel according to the basic information of the target merchant by using a pre-trained settlement mode configuration model. That is, the business server can pre-train the settlement mode configuration model by using training samples (which can include the basic information of the merchant and the manually labeled settlement mode applicable to the merchant under the business channel), and when it is necessary to determine the settlement mode applicable to a merchant under the business channel, the basic information of the merchant can be input into the trained settlement mode configuration model, and the output result of the settlement mode configuration model can be obtained as the settlement mode of the merchant under the business channel.

[0059] It should be understood that, in actual application, in addition to using the trained settlement mode configuration model to determine the settlement mode applicable to the merchant under the corresponding business channel, the business server can also determine the settlement mode in other ways, for example, the business server can set a settlement mode configuration rule, and then determine the settlement mode applicable to the merchant under the business channel based on the settlement mode configuration rule and the basic information of the merchant. The present application does not limit the specific implementation of the settlement mode configuration of the business server.

[0060] After the business server configures the settlement mode of the target merchant under the corresponding business channel, the business server can further send the basic information of the target merchant and the configured settlement mode to the settlement server of the online transaction platform. Further, the settlement server can generate a settlement contract of the target merchant under the business channel according to the basic information of the target merchant and the settlement mode, and the settlement contract is used to provide a settlement basis for the transaction settlement system for the transaction amount generated by the target merchant under the business channel. The settlement server correspondingly stores the settlement contract and sends the settlement contract to the business server, so that when the business server participates in the transaction settlement process, the business server can perform the corresponding processing steps according to the settlement contract.

[0061] Specifically, when the target merchant opens the order payment service under the corresponding business channel through the business server, the business server determines the settlement mode applicable to the target merchant under the business channel based on the basic information of the target merchant, and then sends the determined settlement mode and the basic information of the target merchant to the settlement server of the online transaction platform. The settlement server is deployed with a plurality of information processing modules, which are used to jointly determine the settlement contract of the target merchant under the business channel. That is, after the business server sends the settlement mode and the basic information of the target merchant to the settlement server, the plurality of information processing modules in the settlement server can analyze and process the received different information, and then generate a settlement contract applicable to the target merchant under the business channel according to the analysis and processing results of the information.

[0062] Further, the settlement server can store the settlement contract of the target merchant under the business channel, and send the settlement contract to the business server of the business channel. In this way, when the transaction amount generated by the target merchant under the business channel needs to be settled, at least one of the settlement server and the business server of the business channel can settle the transaction amount according to the settlement contract stored by itself.

[0063] It should be noted that when the transaction settlement system settles the transaction amount corresponding to the transaction order, it usually needs to settle the transaction amount according to the settlement contract of the merchant under the source business channel of the transaction order. For example, the settlement contract can include the settlement mode of the merchant under the business channel, and the billing rules of the merchant for the transaction amount from the business channel. When the transaction settlement system settles the transaction amount corresponding to the target order, it needs to determine the source business channel of the target order and the target merchant corresponding to the target order, and then determine the settlement mode of the target merchant under the source business channel and the billing rules of the target merchant under the source business channel according to the settlement contract of the target merchant under the source business channel.

[0064] In addition, in actual application, the target merchant can also change its basic information through the business channel, and accordingly, the business server of the business channel can determine the settlement mode applicable to the target merchant under the business channel based on the changed basic information, and send the determined settlement mode and the changed basic information to the settlement server, so that the settlement server re-determines the settlement contract of the target merchant under the business channel. After updating the settlement contract, the settlement server can replace the original settlement contract with the updated settlement contract, and send the updated settlement contract to the business server of the business channel, so that the business server also replaces the original settlement contract with the updated settlement contract.

[0065] To ensure consistency of the settlement contract stored at the business server with the settlement contract stored at the settlement server, the settlement server can also periodically check whether the settlement contract stored at the business server is consistent with the settlement contract stored at the settlement server, and in the case of inconsistency, send the settlement contract stored at the settlement server to the business server, so that the business server replaces the original settlement contract with the settlement contract.

[0066] As an example, the settlement mode supported by the transaction settlement system provided by the embodiments of the present application can include: a standard settlement mode, an autonomous billing settlement mode, and an autonomous settlement mode. In the standard settlement mode, the settlement server can be responsible for performing all processing links in the transaction settlement process, i.e., can be responsible for performing the order transaction fee billing link, the order transaction fee settlement link, and the transaction fee payment link. In the autonomous billing settlement mode, the business server and the settlement server can be responsible for performing part of the processing links in the transaction settlement process, i.e., the business server is responsible for the order transaction fee billing link, and the settlement server is responsible for performing the order transaction fee settlement link and the transaction fee payment link; in the autonomous settlement mode, the business server can be responsible for performing all processing links in the transaction settlement process, i.e., can be responsible for performing the order transaction fee billing link and the transaction fee payment link.

[0067] Specifically, since the settlement server of the online transaction platform usually has strong settlement processing capability, the standard settlement mode can usually be applied to settlement of transaction fees generated in the official business channel provided by the online transaction platform of large-scale merchants, i.e., to settlement of large transaction fees.

[0068] For small and medium-sized merchants, the transaction fees generated by the business channel connected through the online transaction platform are usually more suitable for settlement by the autonomous billing settlement mode and the autonomous settlement mode. Unlike the feature of the standard settlement mode of settling transaction fees at a fixed time every day, in the autonomous billing settlement mode, the business server can push a settlement order to the settlement server at a specific time according to actual business needs, thereby triggering the settlement server to start subsequent settlement processing and pay the merchant, i.e., the autonomous billing settlement mode can flexibly control the settlement time, making the settlement time more consistent with the actual transaction settlement needs of the merchant. Unlike the feature of the standard settlement mode of uniformly settling transaction fees within the settlement period, in the autonomous settlement mode, the business server can independently control the transaction settlement process, and perform real-time settlement processing for each transaction order, i.e., for each transaction order, the corresponding transaction fee is settled and paid to the merchant, thereby meeting the real-time settlement needs of many small and medium-sized merchants.

[0069] When the settlement server and the service server each need to perform specific operations in the settlement process using the above-mentioned standard settlement mode, the self-billing settlement mode and the self-settlement mode, the specific operations will be described in detail below, and the processing procedures of each settlement mode are described in detail below in step 203.

[0070] It should be understood that in actual applications, other types of settlement modes can also be set in combination with the actual transaction settlement needs of the merchant, i.e., the settlement modes supported by the transaction settlement system can include not only the above-mentioned standard settlement mode, the self-billing settlement mode and the self-settlement mode, but also other settlement modes, and the present application does not make any limitation on the settlement modes supported by the transaction settlement system.

[0071] It should be understood that in actual applications, the above-mentioned step 202 can be performed by the settlement server of the online transaction platform in the transaction settlement system, or can be performed by the service server corresponding to the source service channel in the transaction settlement system; alternatively, a processing server dedicated to determining the target settlement mode can be deployed in the transaction settlement system, and the above-mentioned step 202 can be performed by the processing server. The present application does not make any limitation on the execution subject of step 202.

[0072] Step 203: Based on the target settlement mode, at least one of the settlement server and the target service server corresponding to the source service channel performs settlement processing on the transaction amount corresponding to the target order.

[0073] After the target settlement mode suitable for the transaction amount corresponding to the target order is determined, at least one of the settlement server in the transaction settlement system and the target service server corresponding to the source service channel can perform settlement processing on the transaction amount corresponding to the target order according to the target settlement mode.

[0074] Since the execution subject of each processing link in the transaction settlement process can be different in different settlement modes, after the target settlement mode is determined, the transaction amount corresponding to the target order can be correspondingly settled based on the target settlement mode by the execution subject (at least one of the settlement server and the target service server) involved in the target settlement mode. If the execution subject involved in the target settlement mode only includes the settlement server, the settlement server is solely responsible for settlement processing on the transaction amount corresponding to the target order; if the execution subject involved in the target settlement mode includes both the target service server and the settlement server, the target service server and the settlement server perform the processing links in the transaction settlement process respectively responsible for by them to realize settlement processing on the transaction amount corresponding to the target order; if the execution subject involved in the target settlement mode only includes the target service server, the target service server is solely responsible for settlement processing on the transaction amount corresponding to the target order.

[0075] The following section provides a detailed explanation of how the transaction settlement system processes the transaction funds corresponding to the target order when the target settlement modes are the standard settlement mode, the self-billing settlement mode, and the self-settlement mode, respectively, using the settlement modes supported by the transaction settlement system as examples.

[0076] When the determined target settlement mode is the standard settlement mode, the settlement server can process the transaction amount corresponding to the target order according to the billing rules of the target merchant under the source business channel, and obtain the settlement amount corresponding to the target order. Then, the settlement server can summarize the settlement amount corresponding to each order of the target merchant under the source business channel within the target settlement period, and obtain the total settlement amount of the target merchant under the source business channel within the target settlement period. The target settlement period is the settlement period in which the target order was generated. Finally, the settlement server can transfer the total settlement amount from the target merchant's pending settlement account to the target merchant's disposable account.

[0077] In the standard settlement mode, the settlement server will process the transaction amount corresponding to each transaction order generated by the merchant under a business channel within the settlement period according to the settlement cycle, and transfer the total settlement amount from the merchant's pending settlement account to the merchant's disposable account at the beginning of the next settlement cycle.

[0078] Specifically, when the target settlement mode determined by the transaction settlement system is the standard settlement mode, the settlement server can search for the target merchant's settlement contract under the source business channel in its stored settlement contracts, and obtain the billing rules for the target merchant under that source business channel from the settlement contract. Then, according to the billing rules, the transaction amount corresponding to the target order is billed to obtain the settlement amount corresponding to the target order; for example, the settlement server can determine the handling fee that the target merchant needs to pay to the online trading platform for the target order based on the billing rules, and accordingly, the remaining portion of the transaction amount corresponding to the target order excluding the handling fee should be the settlement amount corresponding to the target order.

[0079] After the target settlement period to which the target order belongs ends, the settlement server can calculate the total settlement amount of the target merchant under the source business channel in the target settlement period based on the settlement amount of each order generated by the target merchant under the source business channel in the target settlement period. Then, the settlement server can transfer the total settlement amount from the target merchant's account to be settled to the target merchant's disposable account, such as the target merchant's cash account on the online transaction platform. The amount transferred to the disposable account can be freely disposed of by the target merchant, for example, the target merchant can transfer the amount in the disposable account to a bank account, etc.

[0080] It should be understood that in actual applications, in the standard settlement mode, the settlement server can also use other ways to settle the transaction amount generated by the target merchant under the source business channel in the target settlement period according to the actual transaction settlement needs of the target merchant; for example, the settlement server can uniformly charge each order corresponding to the transaction amount generated by the target merchant under the source business channel after the target settlement period ends, that is, the sum of each order corresponding to the transaction amount can be calculated, and then the sum of the transaction amount is charged to determine the total settlement amount of the target merchant under the source business channel in the target settlement period, and then the total settlement amount is transferred from the target merchant's account to be settled to the target merchant's disposable account. This application does not make any limitation on the specific implementation of the settlement server to settle the transaction amount in the standard settlement mode.

[0081] In one possible implementation, when the determined target settlement mode is the self-charging settlement mode, the target business server can charge the transaction amount corresponding to the target order according to the charging rules of the target merchant under the source business channel, obtain the settlement amount corresponding to the target order, and generate the settlement order corresponding to the target order according to the settlement amount corresponding to the target order. Then, the target business server pushes the settlement order corresponding to the target order to the settlement server. The settlement server can aggregate the settlement amount corresponding to each order of the target merchant under the source business channel in the target settlement period according to the settlement order corresponding to each order of the target merchant under the source business channel in the target settlement period, and obtain the total settlement amount of the target merchant under the source business channel in the target settlement period; then, the settlement server can transfer the total settlement amount from the target merchant's account to be settled to the target merchant's disposable account.

[0082] In the autonomous billing settlement mode, the business server can perform billing processing on the transaction amount corresponding to each transaction order generated by the merchant under the corresponding business channel, and push a settlement order corresponding to each transaction order to the settlement server according to the billing processing result. After the settlement period ends, the settlement server can determine the total settlement amount of the merchant under the business channel in the settlement period according to the settlement order corresponding to each transaction order pushed by the business server, and transfer the total settlement amount from the settlement account of the merchant to the disposable account of the merchant.

[0083] Specifically, when the target settlement mode determined by the transaction settlement system is the autonomous billing settlement mode, the target business server can find the settlement contract of the target merchant under the source business channel in the settlement contract received by the target business server from the settlement server, and obtain the billing rule of the target merchant under the source business channel from the settlement contract. Then, the target business server can perform billing processing on the transaction amount corresponding to the target order according to the billing rule, obtain the settlement amount corresponding to the target order, and correspondingly generate a settlement order corresponding to the target order, which records the settlement amount corresponding to the target order. Further, the target business server can push the settlement order corresponding to the target order to the settlement server.

[0084] After the target settlement period to which the target order belongs ends, the settlement server can perform summary processing on the settlement amount corresponding to each order generated by the target merchant under the source business channel in the target settlement period based on the settlement order corresponding to each order received from the target business server in the target settlement period, to obtain the total settlement amount of the target merchant under the source business channel in the target settlement period. Further, the total settlement amount is transferred from the settlement account of the target merchant to the disposable account of the target merchant, such as the cash account of the target merchant on the online transaction platform. The amount transferred to the disposable account can be autonomously disposed by the target merchant.

[0085] In another possible implementation, when the determined target settlement mode is the autonomous charging settlement mode, the target business server can perform charging processing on the transaction amount corresponding to the target order according to the charging rule of the target merchant under the source business channel, obtain the settlement amount corresponding to the target order, and generate the settlement bill corresponding to the target order according to the settlement amount corresponding to the target order; after the target settlement period to which the target order belongs ends, the target business server can push the settlement bill corresponding to each order of the target merchant in the target settlement period to the settlement server. The settlement server, in response to the settlement bill corresponding to each order of the target merchant in the target settlement period pushed by the target business server, performs summary processing on the settlement amount corresponding to each order of the target merchant under the source business channel in the target settlement period according to the settlement bill corresponding to each order of the target merchant under the source business channel in the target settlement period, and obtains the total settlement amount of the target merchant under the source business channel in the target settlement period. Further, the total settlement amount is transferred from the target merchant's account to be settled to the target merchant's disposable account.

[0086] In this autonomous charging settlement mode, the business server can perform charging processing on the transaction amount corresponding to each transaction order generated by the merchant under the corresponding business channel, and generate the settlement bill corresponding to each transaction order; after the settlement period ends, the business server can push the settlement bill corresponding to each transaction order generated by the merchant in the settlement period to the settlement server. The action of the business server pushing the settlement bill to the settlement server can trigger the settlement server to start performing subsequent settlement processing, that is, the business server can actively control the timing of the settlement server to perform summary settlement and transfer settlement amount, so as to help the settlement timing to be more in line with the actual transaction settlement needs of the merchant.

[0087] Specifically, when the target settlement mode determined by the transaction settlement system is the autonomous billing settlement mode, the target business server can find the settlement contract of the target merchant under the source business channel in the settlement contract received by the target business server from the settlement server, and obtain the billing rule of the target merchant under the source business channel from the settlement contract. Then, the target business server can perform billing processing on the transaction amount corresponding to the target order according to the billing rule, obtain the settlement amount corresponding to the target order, and correspondingly generate the settlement bill corresponding to the target order, which records the settlement amount corresponding to the target order; the target business server can generate the settlement bill corresponding to each order respectively through the above-mentioned manner for each order generated by the target merchant under the source business channel in the target settlement period. After the target settlement period ends, the target business server can select a suitable opportunity to push the settlement bill corresponding to each order of the target merchant under the source business channel in the target settlement period to the settlement server according to the actual business needs; for example, assuming that the target settlement period is from 0 o'clock of each day to 0 o'clock of the next day, after the target settlement period ends, the target business server can push the settlement bill corresponding to each order in the target settlement period to the settlement server at 2 o'clock of the next day.

[0088] Correspondingly, after the settlement server receives the settlement bill corresponding to each order of the target merchant in the target settlement period pushed by the target business server, the settlement server can perform summary processing on the settlement amount corresponding to each order of the target merchant in the target settlement period based on the settlement bill corresponding to each order of the target merchant in the target settlement period, and obtain the total settlement amount of the target merchant under the source business channel in the target settlement period. Further, the total settlement amount is transferred from the settlement account of the target merchant to the disposable account of the target merchant, such as the cash account of the target merchant on the online transaction platform, and the amount transferred to the disposable account can be autonomously disposed by the target merchant.

[0089] It should be noted that in many cases, the above autonomous billing settlement mode can solve the billing difference caused by the fact that an order includes multiple sub-orders, for example, the billing difference caused by the fact that an order includes a main order and a coupon order. Specifically, in the case where an order includes multiple sub-orders, if the settlement server performs settlement processing on the order, the settlement server will perform settlement processing on each of the multiple sub-orders. This settlement processing method will affect the actual settlement amount of the merchant due to some processing in the calculation process (such as rounding). In the above autonomous billing settlement mode, the business server can perform billing processing on each of the multiple sub-orders in the front end, and then combine the billing processing results corresponding to each of the multiple sub-orders to obtain the billing processing result corresponding to the order. The billing processing result is directly provided to the settlement server, which does not need to distinguish each sub-order in the order, and the impact on the actual settlement amount of the merchant can be avoided.

[0090] That is, in the case where the target order includes multiple sub-orders, the target business server can perform billing processing on each sub-order according to the billing rules of the target merchant in the source business channel to obtain the settlement amount corresponding to the sub-order. Then, the settlement amount corresponding to each of the multiple sub-orders is determined to obtain the settlement amount corresponding to the target order.

[0091] For example, when the target order includes a main order (i.e., an order actually paid by a buyer user) and a coupon order (i.e., a preferential order provided by a merchant or a business channel), the target business server can perform billing processing on the main order and the coupon order, i.e., perform billing processing on the main order according to the billing rules of the target merchant in the source business channel to obtain the settlement amount corresponding to the main order, and perform billing processing on the coupon order to obtain the settlement amount corresponding to the coupon order. Then, the settlement amount corresponding to the main order and the settlement amount corresponding to the coupon order are added to obtain the settlement amount corresponding to the target order, and a settlement order corresponding to the target order is generated.

[0092] When the target settlement mode is the autonomous settlement mode, the target business server can perform billing processing on the transaction amount corresponding to the target order according to the billing rules of the target merchant in the source business channel to obtain the settlement amount corresponding to the target order. Then, the settlement amount corresponding to the target order is transferred from the settlement account of the target merchant to the disposable account of the target merchant.

[0093] In the autonomous settlement mode, the business server can meet the transaction settlement needs of some small and medium-sized merchants, perform billing, settlement, and payment for a single order, so that the merchant can obtain the settlement amount corresponding to the order in real time, which is more in line with the actual transaction settlement needs of the merchant.

[0094] Specifically, when the target settlement mode determined by the transaction settlement system is the autonomous settlement mode, the target business server can search for a settlement contract of the target merchant under the source business channel in the settlement contract received by the target business server from the settlement server, and obtain a charging rule of the target merchant under the source business channel from the settlement contract. Then, the target business server can perform charging processing on the transaction amount corresponding to the target order according to the charging rule to obtain a settlement amount corresponding to the target order, and further transfer the settlement amount from the to-be-settled account of the target merchant to the disposable account of the target merchant.

[0095] It should be understood that the above standard settlement mode, autonomous charging settlement mode and specific settlement mode under the autonomous settlement mode are only examples. In actual application, the transaction settlement system provided by the embodiments of the present application can also support other settlement modes, and correspondingly, other ways of settling the transaction amount corresponding to the to-be-settled order.

[0096] It should be noted that, in actual application, in order to ensure the accuracy of the transaction settlement result and not cause asset loss to any one of the merchant and the online transaction platform, the settlement server needs to perform a bottom-up verification before at least one of the settlement server and the target business server performs settlement processing on the transaction amount corresponding to the target order.

[0097] That is, the settlement server needs to perform reconciliation verification on the transaction amount corresponding to the to-be-settled order and the amount in the to-be-settled account of the target merchant. In the case of passing the reconciliation verification, further settlement processing on the transaction amount corresponding to the target order is performed by at least one of the settlement server and the target business server based on the target settlement mode.

[0098] For example, the settlement server can calculate the sum of the transaction amount corresponding to each to-be-settled order, and then determine whether the to-be-settled amount stored in the to-be-settled account of the target merchant is equal to or greater than the sum of the transaction amount corresponding to each to-be-settled order. If yes, it means that the reconciliation verification is passed, and at this time, the settlement processing of the transaction amount can be further performed based on the target settlement mode. If no, it means that the reconciliation verification fails, and at this time, the reason for the failure of the reconciliation verification needs to be found, for example, whether there is an error in the pulled to-be-settled order, whether the to-be-settled amount in the to-be-settled account of the merchant is incorrect, etc.

[0099] The transaction settlement method innovatively proposes multiple settlement modes suitable for the online transaction platform, which can be flexibly adapted to various transaction settlement scenarios and meet the transaction settlement needs of the merchants in various transaction settlement scenarios. Moreover, some settlement modes proposed by the transaction settlement method float the processing link in the transaction settlement process to the business server of the business channel, so that the business server can participate in the transaction settlement process. In this way, the business server can adapt to the business characteristics of the business channel, flexibly control the processing link responsible for by the business channel, so that the transaction settlement process has higher flexibility and is more matched with the transaction settlement needs of the merchants, thereby improving the transaction settlement experience of the merchants.

[0100] In addition, the embodiment of the present application also provides a deployment architecture of various functions in an exemplary transaction settlement system, Figure 3 As shown in the figure, the deployment architecture of various functions in the transaction settlement system is shown. As Figure 3 As shown in the figure, it is assumed that the online transaction platform is connected with a business channel A and a business channel B, and supports order payment through the business channel A and the business channel B.

[0101] In order to provide online transaction functions for more merchants, the transaction settlement system can be deployed in multiple machine rooms, for example, can be deployed in a first machine room and a second machine room, and the function deployment architecture in the first machine room and the second machine room is the same. As Figure 3 As shown in the figure, in each machine room, various function modules provided for the domestic merchants of the business channel A, the overseas merchants of the business channel A, and all the merchants of the business channel B can be deployed, such as the merchant registration module, the rate change module, the period change module, the risk control change module, the risk control freezing module, and the risk control punishment module, etc. These function modules can respond to the related operations triggered by the merchants and write the processing results into the settlement rule library in the machine room through the settlement rule change interface. In addition, in each machine room, function modules for the management users of the transaction settlement system can also be deployed, such as the on-off interface module, the full-service rule query interface, the settlement rule definition query module, the contract state change module, etc. The management users of the transaction settlement system can access the settlement rule library in the machine room or change the contents in the settlement rule library through these function modules.

[0102] In addition, the transaction settlement system provided by the embodiment of the present application can also support asynchronous change of the settlement contract of the merchant under a certain business channel connected with the online transaction platform, Figure 4 As shown in the figure, the implementation process of changing the settlement contract is shown. As Figure 4As shown, the settlement contract library can provide files for changing various information, such as the autonomous billing merchant rate, the merchant rate period under the business channel, the merchant entry, and the like. When a merchant triggers a change in a certain information through a certain business channel, the settlement contract library can correspondingly provide the file corresponding to the information. For example, if the merchant under the business channel needs to change the settlement rate period, the rate period file can be provided to the merchant under the business channel. The business server combines the information changed by the merchant under the business channel to generate the autonomous settlement rule file corresponding to the merchant, and stores the rule landing batch to the settlement contract library. The settlement contract library can further provide the settlement rule file to the online transaction platform through the autonomous billing rule batch. The settlement contract library can also generate and store the autonomous settlement contract.

[0103] The transaction settlement system provided by the embodiments of the present application also relates to some basic service and task scripts, which will be introduced respectively as follows.

[0104] Contract basic service: it can be deployed in each machine room for deploying the transaction settlement system. It can provide a merchant contract change interface, a merchant settlement rule query interface, and various operation interfaces related to the settlement contract.

[0105] Settlement contract change service under the business channel: it can also be deployed in each machine room for deploying the transaction settlement system. It can provide an interface for the merchant to modify the settlement rule, can support the fund flow account, and can also provide a query interface for the fund and the merchant information facing the settlement server.

[0106] Contract batch processing task C++ script: used to push the merchant settlement rule to the business server, and also can pull the settlement contract on the business server side, so as to align the settlement contract on the business server side with the settlement contract on the settlement server side.

[0107] Data push script for the business channel: used to push the merchant rate, the merchant settlement period, and other settlement information to the business server, and also can push the information of the fund flow merchant.

[0108] In order to facilitate further understanding of the transaction settlement method provided by the embodiments of the present application, the transaction settlement method provided by the embodiments of the present application will be introduced exemplarily in combination with the schematic diagram of the transaction settlement process shown in the following. Figure 5

[0109] ​Suppose a merchant opens the order payment business under the first business channel, the second business channel and the third business channel, and the transaction settlement system configures the settlement mode of the merchant under each business channel when the transaction settlement system opens the order payment business of the merchant under each business channel; for example, the standard settlement mode is adopted for the transaction data generated by the merchant under the first business channel, the independent settlement mode is adopted for the transaction data generated by the merchant under the second business channel, and the independent billing settlement mode is adopted for the transaction data generated by the merchant under the third business channel.

[0110] Correspondingly, when the transaction settlement system performs the payment settlement processing of the order, the settlement mode of the merchant under the source business channel can be determined according to the merchant and the source business channel corresponding to the order, and the corresponding settlement processing can be performed based on the settlement mode. If the determined settlement mode is the independent settlement mode, the settlement server of the online transaction platform can filter out all settlement processing links and only perform bottom-up verification processing; if the determined settlement mode is the independent billing settlement mode, the settlement server of the online transaction platform can filter out the billing link, and the business server of the source business channel performs the billing link, and then the settlement server performs the subsequent settlement processing according to the settlement sheet pushed by the business server, and the settlement server needs to perform bottom-up verification; if the determined settlement mode is the independent settlement mode, all processing links in the transaction settlement process can be performed by the business server of the source business channel.

[0111] The embodiment of the application also provides a transaction settlement system, which is described with reference to Figure 6 , Figure 6 The structure diagram of the transaction settlement system provided by the embodiment of the application is shown. As shown in Figure 6 , the transaction settlement system includes a settlement server 601 of an online transaction platform and a business server 602 of a business channel connected with the online transaction platform. It should be understood that in actual application, the transaction settlement system can include a plurality of business servers 602 corresponding to different business channels. The transaction settlement system supports multiple settlement modes, and in different settlement modes, the processing links in the transaction settlement process performed by the settlement server 601 and the business server 602 are different.

[0112] The settlement server 601 is configured to determine the source business channel of a target order to be settled and the target merchant corresponding to the target order, and determine the settlement mode of the target merchant under the source business channel as a target settlement mode according to the source business channel and the target merchant.

[0113] At least one of the settlement server 601 and the target service server 602 is configured to perform settlement processing on the transaction amount corresponding to the target order based on the target settlement mode; and the target service server 602 is a service server 602 of the source business channel.

[0114] Optionally, the plurality of settlement modes supported by the transaction settlement system include a standard settlement mode, an autonomous billing settlement mode, and an autonomous settlement mode.

[0115] In the standard settlement mode, the settlement server 601 is responsible for performing the order transaction billing link, the order transaction settlement link, and the transaction payment link in the transaction settlement process.

[0116] In the autonomous billing settlement mode, the service server 602 is responsible for performing the order transaction billing link in the transaction settlement process; and the settlement server 601 is responsible for performing the order transaction settlement link and the transaction payment link in the transaction settlement process.

[0117] In the autonomous settlement mode, the service server 602 is responsible for performing the order transaction billing link and the transaction payment link in the transaction settlement process.

[0118] Optionally, when the target settlement mode is the standard settlement mode,

[0119] The settlement server 601 is specifically configured to perform billing processing on the transaction amount corresponding to the target order according to the billing rules of the target merchant in the source business channel, to obtain the settlement amount corresponding to the target order; perform summary processing on the settlement amount corresponding to each order of the target merchant in a target settlement period, to obtain the total settlement amount of the target merchant in the target settlement period; the target settlement period is a settlement period to which the target order belongs; and transfer the total settlement amount from a to-be-settled account of the target merchant to a disposable account of the target merchant.

[0120] Optionally, when the target settlement mode is the autonomous billing settlement mode,

[0121] The target service server 602 is specifically configured to perform billing processing on the transaction amount corresponding to the target order according to the billing rules of the target merchant in the source business channel, to obtain the settlement amount corresponding to the target order; generate a settlement bill corresponding to the target order according to the settlement amount corresponding to the target order; and push the settlement bill corresponding to the target order to the settlement server 601.

[0122] The settlement server 601 is configured to: according to each settlement bill corresponding to each order of the target merchant in a target settlement period, perform a summary processing on each settlement amount corresponding to each order of the target merchant in the target settlement period, to obtain a total settlement amount of the target merchant in the target settlement period; the target settlement period is a settlement period to which the target order belongs; and transfer the total settlement amount from a to-be-settled account of the target merchant to a disposable account of the target merchant.

[0123] Optionally, when the target settlement mode is the autonomous charging settlement mode,

[0124] The target business server 602 is specifically configured to: according to a charging rule of the target merchant in the source business channel, perform a charging processing on a transaction amount corresponding to the target order, to obtain a settlement amount corresponding to the target order; and according to the settlement amount corresponding to the target order, generate a settlement bill corresponding to the target order; and push, to the settlement server, each settlement bill corresponding to each order of the target merchant in a target settlement period; the target settlement period is a settlement period to which the target order belongs.

[0125] The settlement server 601 is specifically configured to: in response to each settlement bill corresponding to each order of the target merchant in the target settlement period pushed by the target business server, perform a summary processing on each settlement amount corresponding to each order of the target merchant in the target settlement period according to the settlement bill, to obtain a total settlement amount of the target merchant in the target settlement period; and transfer the total settlement amount from a to-be-settled account of the target merchant to a disposable account of the target merchant.

[0126] Optionally, when the target order includes multiple sub-orders,

[0127] The target business server 602 is specifically configured to: for each sub-order, according to a charging rule of the target merchant in the source business channel, perform a charging processing on a transaction amount corresponding to the sub-order, to obtain a settlement amount corresponding to the sub-order; and according to the settlement amount corresponding to each of the multiple sub-orders, determine a settlement amount corresponding to the target order.

[0128] Optionally, when the target settlement mode is the autonomous settlement mode,

[0129] The target business server 602 is specifically configured to perform charging processing on the transaction amount corresponding to the target order according to a charging rule of the target merchant in the source business channel, to obtain a settlement amount corresponding to the target order; and transfer the settlement amount corresponding to the target order from a to-be-settled account of the target merchant to a disposable account of the target merchant.

[0130] Optionally, the settlement server 601 is further configured to:

[0131] perform account reconciliation verification on the transaction amount corresponding to the to-be-settled order and the amount in the to-be-settled account of the target merchant; and in a case where the verification is passed, at least one of the settlement server 601 and the target business server 602 can perform settlement processing on the transaction amount corresponding to the target order based on the target settlement mode.

[0132] Optionally, the business server 602 is further configured to:

[0133] detect that the target merchant opens the order payment service corresponding to the business channel, acquire basic information of the target merchant, wherein the basic information of the target merchant at least includes: legal person information of the target merchant, scale of the target merchant, business project of the target merchant, and transaction mode of the target merchant; and determine a settlement mode of the target merchant in the business channel according to the basic information of the target merchant.

[0134] Optionally, the business server 602 is further configured to:

[0135] send the basic information of the target merchant and the settlement mode to the settlement server;

[0136] The settlement server 601 is further configured to:

[0137] generate a settlement contract of the target merchant in the business channel according to the basic information of the target merchant and the settlement mode, wherein the settlement contract is used to provide a settlement basis for the transaction settlement system for the transaction amount generated by the target merchant in the business channel; and store the settlement contract and send the settlement contract to the business server.

[0138] The transaction settlement system innovatively proposes multiple settlement modes suitable for online transaction platforms, which can be flexibly adapted to various transaction settlement scenarios and meet the transaction settlement needs of merchants in various transaction settlement scenarios. Moreover, some settlement modes proposed by the transaction settlement system float the processing link in the transaction settlement process to the business server of the business channel, so that the business server can participate in the transaction settlement process. In this way, the business server can adapt to the business characteristics of the business channel, flexibly control the processing link responsible for by the business server, so that the transaction settlement process has higher flexibility and is more matched with the transaction settlement needs of the merchant, thereby improving the transaction settlement experience of the merchant.

[0139] The embodiments of the present application also provide a device for settling transaction money, which can be a server. The server provided by the embodiments of the present application will be introduced from the perspective of hardware materialization.

[0140] Referring to Figure 7 , Figure 7 A structural schematic diagram of a server 700 provided by the embodiments of the present application is shown. The server 700 can have great differences due to different configurations or performances, and can include one or more central processing units (CPUs) 722 (for example, one or more processors) and a memory 732, one or more storage media 730 (for example, one or more mass storage devices) storing application programs 742 or data 744. The memory 732 and the storage media 730 can be temporary storage or persistent storage. The programs stored in the storage media 730 can include one or more modules (not shown in the figure), each of which can include a series of instruction operations in the server. Further, the central processing unit 722 can be configured to communicate with the storage media 730 and execute a series of instruction operations in the storage media 730 on the server 700.

[0141] The server 700 can also include one or more power supplies 726, one or more wired or wireless network interfaces 750, one or more input / output interfaces 758, and / or one or more operating systems, such as Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM, etc.

[0142] The steps performed by the server in the above embodiments can be based on the Figure 7 The server structure shown.

[0143] The CPU 722 can also be used to execute the steps performed by the settlement server side or the steps performed by the business server side in the transaction settlement method provided by the embodiments of the present application.

[0144] The embodiment of the present application further provides a computer readable storage medium for storing a computer program, the computer program being used for executing the steps executed by the settlement server or the steps executed by the business server in the transaction settlement method.

[0145] The embodiment of the present application further provides a computer program product or a computer program, the computer program product or the computer program comprising computer instructions stored in a computer readable storage medium. A processor of a computer device reads the computer instructions from the computer readable storage medium, and the processor executes the computer instructions, so that the computer device executes the steps executed by the settlement server or the steps executed by the business server in the transaction settlement method.

[0146] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the above-described system, device and unit can refer to the corresponding processes in the foregoing method embodiments, which will not be repeated here.

[0147] In several embodiments provided in the present application, it should be understood that the disclosed system, device and method can be implemented in other manners. For example, the described device embodiments are merely schematic, and the division of the units is merely a logical function division, and there can be another division manner in actual implementation, for example, a plurality of units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the displayed or discussed mutual coupling or direct coupling or communication connection between the units can be indirect coupling or communication connection through some interfaces, devices or units, and can be electrical, mechanical or other forms.

[0148] The units described as separate components can or can not be physically separate, and the components displayed as units can or can not be physical units, that is, can be located in one place, or can be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the embodiment scheme.

[0149] In addition, each functional unit in the embodiments of the present application can be integrated in one processing unit, or each unit can exist physically, or two or more units can be integrated in one unit. The integrated unit can be in the form of hardware or in the form of software function unit.

[0150] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes: USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, optical disks, and other media capable of storing computer programs.

[0151] It should be understood that in this application, "at least one (item)" means one or more, and "more than" means two or more. "And / or" is used to describe the relationship between related objects, indicating that three relationships can exist. For example, "A and / or B" can represent three cases: only A exists, only B exists, and both A and B exist simultaneously, where A and B can be singular or plural. The character " / " generally indicates that the preceding and following related objects are in an "or" relationship. "At least one (item) of the following" or similar expressions refer to any combination of these items, including any combination of single or plural items. For example, at least one (item) of a, b, or c can represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, and c can be single or multiple.

[0152] The above-described embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of this application.

Claims

1. A transaction settlement method characterized by comprising: The method is applied to a transaction settlement system, the transaction settlement system comprising: a settlement server of an online transaction platform, and a business server of a business channel interfaced with the online transaction platform; the transaction settlement system supports multiple settlement modes, in different settlement modes, the settlement server and the business server are responsible for different processing links in a transaction settlement process executed by each other; the method comprises: For a target order to be settled, determining a source business channel of the target order and a target merchant corresponding to the target order; According to the source business channel and the target merchant, determining a settlement mode of the target merchant under the source business channel as a target settlement mode; Based on the target settlement mode, at least one of the settlement server and the target business server settles the transaction amount corresponding to the target order; the target business server is a business server of the source business channel; The multiple settlement modes supported by the transaction settlement system include: a standard settlement mode, a self-billing settlement mode and a self-settlement mode; In the standard settlement mode, the settlement server is responsible for executing an order transaction amount billing link, an order transaction amount settlement link, and a transaction amount payment link in the transaction settlement process; In the self-billing settlement mode, the business server is responsible for executing the order transaction amount billing link in the transaction settlement process; the settlement server is responsible for executing the order transaction amount settlement link and the transaction amount payment link in the transaction settlement process; In the self-settlement mode, the business server is responsible for executing the order transaction amount billing link and the transaction amount payment link in the transaction settlement process.

2. The method of claim 1, wherein, When the target settlement mode is the standard settlement mode, the settlement processing of the transaction amount corresponding to the target order by at least one of the settlement server and the target business server based on the target settlement mode comprises: The settlement server charges the transaction amount corresponding to the target order according to the billing rules of the target merchant under the source business channel, and obtains the settlement amount corresponding to the target order; The settlement server aggregates the settlement amount corresponding to each order of the target merchant in a target settlement period to obtain the total settlement amount of the target merchant in the target settlement period; the target settlement period is a settlement period to which the target order belongs; The settlement server transfers the total settlement amount from a to-be-settled account of the target merchant to a disposable account of the target merchant.

3. The method of claim 1, wherein, When the target settlement mode is the self-billing settlement mode, the settlement processing of the transaction amount corresponding to the target order by at least one of the settlement server and the target business server based on the target settlement mode comprises: The target business server charges the transaction amount corresponding to the target order according to the billing rules of the target merchant under the source business channel, and obtains the settlement amount corresponding to the target order; and generates a settlement single corresponding to the target order according to the settlement amount corresponding to the target order. The target business server pushes the settlement order corresponding to the target order to the settlement server; The settlement server collects the settlement amount corresponding to each order of the target merchant in the target settlement period according to the settlement order corresponding to each order of the target merchant in the target settlement period, to obtain the total settlement amount of the target merchant in the target settlement period; the target settlement period is the settlement period to which the target order belongs; The settlement server transfers the total settlement amount from the account to be settled of the target merchant to the disposable account of the target merchant.

4. The method of claim 1, wherein, When the target settlement mode is the autonomous charging settlement mode, the settlement processing of the transaction amount corresponding to the target order by at least one of the settlement server and the target business server based on the target settlement mode comprises: The target business server charges the transaction amount corresponding to the target order according to the charging rule of the target merchant in the source business channel, to obtain the settlement amount corresponding to the target order; and generates the settlement order corresponding to the target order according to the settlement amount corresponding to the target order; The target business server pushes the settlement order corresponding to each order of the target merchant in the target settlement period to the settlement server; the target settlement period is the settlement period to which the target order belongs; The settlement server collects the settlement amount corresponding to each order of the target merchant in the target settlement period according to the settlement order corresponding to each order of the target merchant in the target settlement period, to obtain the total settlement amount of the target merchant in the target settlement period; the target settlement period is the settlement period to which the target order belongs; The settlement server transfers the total settlement amount from the account to be settled of the target merchant to the disposable account of the target merchant.

5. The method according to claim 3 or 4, characterized in that, When the target order includes multiple sub-orders, the target business server charges the transaction amount corresponding to the target order according to the charging rule of the target merchant in the source business channel, to obtain the settlement amount corresponding to the target order, comprising: The target business server charges the transaction amount corresponding to each sub-order according to the charging rule of the target merchant in the source business channel, to obtain the settlement amount corresponding to each sub-order; The target business server determines the settlement amount corresponding to the target order according to the settlement amount corresponding to each of the multiple sub-orders.

6. The method of claim 1, wherein, When the target settlement mode is the autonomous settlement mode, the settlement processing of the transaction amount corresponding to the target order by at least one of the settlement server and the target business server based on the target settlement mode comprises: The target business server charges the transaction amount corresponding to the target order according to the charging rule of the target merchant in the source business channel, to obtain the settlement amount corresponding to the target order; Transferring the settlement amount corresponding to the target order from a to-be-settled account of the target merchant to a disposable account of the target merchant.

7. The method according to any one of claims 1, 2, 3, 4 and 6, characterized in that, Before the settlement server and the target business server perform the settlement processing on the transaction amount corresponding to the target order based on the target settlement mode, the method further comprises: The settlement server performs reconciliation verification on the transaction amount corresponding to the to-be-settled order and the amount in the to-be-settled account of the target merchant; If the verification is passed, the settlement processing on the transaction amount corresponding to the target order based on the target settlement mode is performed by at least one of the settlement server and the target business server.

8. The method of claim 1, wherein, The settlement mode of the target merchant under the business channel is determined in the following manner: When the business server corresponding to the business channel detects that the target merchant opens the order payment service corresponding to the business channel, the basic information of the target merchant is acquired; The basic information of the target merchant at least includes: the legal person information of the target merchant, the scale of the target merchant, the business project of the target merchant, and the transaction mode of the target merchant; The business server determines the settlement mode of the target merchant under the business channel according to the basic information of the target merchant.

9. The method of claim 8, wherein, The method further comprises: The business server sends the basic information of the target merchant and the settlement mode to the settlement server; The settlement server generates a settlement contract of the target merchant under the business channel according to the basic information of the target merchant and the settlement mode; the settlement contract is used to provide the transaction settlement system with a settlement basis for the transaction amount generated by the target merchant under the business channel; The settlement server stores the settlement contract and sends the settlement contract to the business server.

10. A transaction settlement system characterized by comprising: The transaction settlement system comprises a settlement server of an online transaction platform and a business server of a business channel connected to the online transaction platform; the transaction settlement system supports multiple settlement modes, and in different settlement modes, the settlement server and the business server are responsible for different processing links in the transaction settlement process; The settlement server is configured to determine, for a target order to be settled, a source business channel of the target order and a target merchant corresponding to the target order, and determine a settlement mode of the target merchant under the source business channel as a target settlement mode according to the source business channel and the target merchant; At least one of the settlement server and a target business server is configured to perform settlement processing on a transaction amount corresponding to the target order based on the target settlement mode; the target business server is a business server of the source business channel; The multiple settlement modes supported by the transaction settlement system include: a standard settlement mode, a self-billing settlement mode, and a self-settlement mode; In the standard settlement mode, the settlement server is responsible for performing an order transaction amount billing link, an order transaction amount settlement link, and a transaction amount payment link in the transaction settlement process. In the autonomous billing settlement mode, the business server is responsible for performing the order transaction fee billing link in the transaction settlement process; and the settlement server is responsible for performing the order transaction fee settlement link and the transaction fee payment link in the transaction settlement process. In the autonomous settlement mode, the business server is responsible for performing the order transaction fee billing link and the transaction fee payment link in the transaction settlement process.

11. The system of claim 10, wherein, When the target settlement mode is the standard settlement mode, The settlement server is configured to: perform billing processing on the transaction fee corresponding to the target order according to the billing rules of the target merchant under the source business channel, to obtain the settlement fee corresponding to the target order; perform summary processing on the settlement fee corresponding to each of the orders of the target merchant in a target settlement period, to obtain a total settlement fee of the target merchant in the target settlement period; the target settlement period is a settlement period to which the target order belongs; and transfer the total settlement fee from a to-be-settled account of the target merchant to a disposable account of the target merchant.

12. The system of claim 10, wherein, When the target settlement mode is the autonomous billing settlement mode, The target business server is configured to: perform billing processing on the transaction fee corresponding to the target order according to the billing rules of the target merchant under the source business channel, to obtain the settlement fee corresponding to the target order; generate a settlement bill corresponding to the target order according to the settlement fee corresponding to the target order; and push the settlement bill corresponding to the target order to the settlement server. The settlement server is configured to: perform summary processing on the settlement fee corresponding to each of the orders of the target merchant in a target settlement period according to the settlement bill corresponding to each of the orders of the target merchant in the target settlement period, to obtain a total settlement fee of the target merchant in the target settlement period; the target settlement period is a settlement period to which the target order belongs; and transfer the total settlement fee from a to-be-settled account of the target merchant to a disposable account of the target merchant. When the target settlement mode is the autonomous billing settlement mode, The target business server is configured to: perform billing processing on the transaction fee corresponding to the target order according to the billing rules of the target merchant under the source business channel, to obtain the settlement fee corresponding to the target order; generate a settlement bill corresponding to the target order according to the settlement fee corresponding to the target order; and push the settlement bill corresponding to the target order to the settlement server. The settlement server is configured to: perform summary processing on the settlement fee corresponding to each of the orders of the target merchant in a target settlement period according to the settlement bill corresponding to each of the orders of the target merchant in the target settlement period, to obtain a total settlement fee of the target merchant in the target settlement period; the target settlement period is a settlement period to which the target order belongs; and transfer the total settlement fee from a to-be-settled account of the target merchant to a disposable account of the target merchant. ​ ​ ​ ​ ​ ​ and transfer the total settlement amount from the target merchant's pending settlement account to the target merchant's disposable account.

13. The system of claim 12, wherein, When the target order includes multiple sub-orders, The target business server is configured to, for each sub-order, perform a billing process on the transaction amount corresponding to the sub-order according to the billing rules of the target merchant under the source business channel to obtain the settlement amount corresponding to the sub-order, and determine the settlement amount corresponding to the target order according to the settlement amounts corresponding to the multiple sub-orders.

14. The system of claim 10, wherein, When the target settlement mode is the autonomous settlement mode, The target business server is configured to perform a billing process on the transaction amount corresponding to the target order according to the billing rules of the target merchant under the source business channel to obtain the settlement amount corresponding to the target order, and transfer the settlement amount corresponding to the target order from the target merchant's pending settlement account to the target merchant's disposable account.

15. The system according to any of claims 10-14, characterized in that, The settlement server is further configured to: perform an account reconciliation verification on the transaction amount corresponding to the pending settlement order and the amount in the target merchant's pending settlement account; and in the case where the verification is passed, at least one of the settlement server and the target business server performs a settlement process on the transaction amount corresponding to the target order based on the target settlement mode.

16. The system of claim 10, wherein, The business server is further configured to: detect that the target merchant opens the order payment service corresponding to the business channel, and obtain the basic information of the target merchant; the basic information of the target merchant at least includes the legal person information of the target merchant, the scale of the target merchant, the business project of the target merchant, and the transaction mode of the target merchant; and determine the settlement mode of the target merchant under the business channel according to the basic information of the target merchant.

17. The system of claim 16, wherein, The business server is further configured to: send the basic information of the target merchant and the settlement mode to the settlement server; The settlement server is further configured to: generate a settlement contract of the target merchant under the business channel according to the basic information of the target merchant and the settlement mode; the settlement contract is used to provide a settlement basis for the transaction settlement system for the transaction amount generated by the target merchant under the business channel; and store the settlement contract and send the settlement contract to the business server.

18. A server, comprising: The server includes a processor and a memory; The memory is configured to store a computer program; The processor is configured to execute the method of the settlement server side or the method of the business server side in the transaction settlement method according to any one of claims 1 to 9 according to the computer program.

19. A computer-readable storage medium, characterized in that, The computer readable storage medium is configured to store a computer program, and the computer program is configured to execute the method of the settlement server side or the method of the business server side in the transaction settlement method according to any one of claims 1 to 9.

20. A computer program product, characterised in that, The computer readable storage medium comprises computer instructions; a processor of a computer device reads the computer instructions from the computer readable storage medium, and executes the computer instructions, so that the computer device executes the method on the settlement server side or the method on the service server side in the transaction settlement method according to any one of claims 1 to 9.

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