Settlement processing method and apparatus

Abstract

The embodiment of the present specification provides a settlement processing method and device, wherein a settlement processing method comprises: obtaining a to-be-paid order of an institution member; the to-be-paid order is submitted based on an institution code of an institution to which the institution member belongs; sending the to-be-paid order to a payment platform to perform resource transfer from an institution account bound with the institution code to an intermediate account for the to-be-paid order; detecting whether a settlement condition of delayed resource settlement from the intermediate account to a merchant is triggered; if yes, sending a settlement instruction to the payment platform to perform settlement processing based on payment resources obtained after the resource transfer in the intermediate account to the merchant.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a settlement processing method and apparatus. Background Technology

[0002] With the continuous development and promotion of the Internet, the model of providing online services based on the Internet has gradually been applied in various service fields. There are also more and more service providers in various service fields that provide online services to users. However, users often have certain concerns when using the online services provided by these service providers. For example, they may wonder whether the online services can guarantee their basic rights and interests, whether there are corresponding channels for resolving disputes that arise from online services, and whether the problems can be resolved in a timely and effective manner. This poses a greater challenge to the service providers of online services. Summary of the Invention

[0003] This specification provides one or more embodiments of a settlement processing method, including: obtaining a pending payment order from an institutional member; the pending payment order being submitted based on the institutional code of the institution to which the institutional member belongs; sending the pending payment order to a payment platform to perform a resource transfer from the institutional account bound to the institutional code to an intermediary account for the pending payment order; detecting whether a settlement condition for delayed resource settlement from the intermediary account to a merchant has been triggered; if so, sending a settlement instruction to the payment platform to perform settlement processing with the merchant based on the payment resources obtained after the resource transfer from the intermediary account.

[0004] This specification provides one or more embodiments of another settlement processing method, including: obtaining a pending payment order from an institutional member sent by an institutional code platform; the pending payment order is sent based on the institutional code of the institution to which the institutional member belongs. For the pending payment order, a resource transfer is performed from the institutional account bound to the institutional code to an intermediary account. In response to a settlement instruction sent by the institutional code platform, settlement processing is performed with the merchant based on the payment resources obtained after the resource transfer from the intermediary account. The settlement instruction is sent after detecting that a settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered.

[0005] This specification provides one or more embodiments of a settlement processing apparatus, including: a payment order acquisition module configured to acquire pending payment orders from institutional members; the pending payment orders are submitted based on the institutional code of the institution to which the institutional member belongs. A payment order sending module configured to send the pending payment orders to a payment platform to perform resource transfer from the institutional account bound to the institutional code to an intermediary account for the pending payment orders. A settlement condition detection module configured to detect whether a settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered. If so, a settlement instruction sending module is run, the settlement instruction sending module being configured to send a settlement instruction to the payment platform to perform settlement processing with the merchant based on the payment resources obtained after the resource transfer from the intermediary account.

[0006] This specification provides one or more embodiments of another settlement processing apparatus, including: a payment order acquisition module configured to acquire pending payment orders from institutional members sent by an institutional code platform; the pending payment orders are sent based on the institutional code of the institution to which the institutional member belongs. A resource transfer module configured to transfer resources from the institutional account bound to the institutional code to an intermediary account for the pending payment orders. A settlement processing module configured to, in response to a settlement instruction sent by the institutional code platform, perform settlement processing with a merchant based on the payment resources obtained after the resource transfer in the intermediary account. The settlement instruction is sent after detecting that a settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered.

[0007] This specification provides one or more embodiments of a settlement processing device, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: acquire a pending payment order from an institutional member; the pending payment order being submitted based on an institutional code of the institution to which the institutional member belongs; send the pending payment order to a payment platform to perform a resource transfer from the institutional account bound to the institutional code to an intermediary account for the pending payment order; detect whether a settlement condition for delayed resource settlement from the intermediary account to a merchant has been triggered; if so, send a settlement instruction to the payment platform to perform settlement processing with the merchant based on the payment resources obtained after the resource transfer from the intermediary account.

[0008] This specification provides one or more embodiments of another settlement processing device, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: acquire a pending payment order from an institutional member sent by an institutional code platform; the pending payment order being sent based on the institutional code of the institution to which the institutional member belongs; perform a resource transfer from the institutional account bound to the institutional code to an intermediary account for the pending payment order; and, in response to a settlement instruction sent by the institutional code platform, perform settlement processing with a merchant based on the payment resources obtained after the resource transfer in the intermediary account. The settlement instruction is sent after detecting that a settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered.

[0009] This specification provides one or more embodiments of a storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: obtaining a pending payment order from an institutional member; the pending payment order being submitted based on the institutional code of the institution to which the institutional member belongs; sending the pending payment order to a payment platform to perform a resource transfer from the institutional account bound to the institutional code to an intermediary account for the pending payment order; detecting whether a settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered; if so, sending a settlement instruction to the payment platform to perform settlement processing with the merchant based on the payment resources obtained after the resource transfer from the intermediary account.

[0010] This specification provides one or more embodiments of another storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: obtaining a pending payment order from an institutional member sent by an institutional code platform; the pending payment order being sent based on the institutional code of the institution to which the institutional member belongs; transferring resources from the institutional account bound to the institutional code to an intermediary account for the pending payment order; and, in response to a settlement instruction sent by the institutional code platform, performing settlement processing with the merchant based on the payment resources obtained after the resource transfer from the intermediary account. The settlement instruction is sent after detecting that a settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered. Attached Figure Description

[0011] To more clearly illustrate the technical solutions in one or more embodiments of this specification or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0012] Figure 1A flowchart illustrating a settlement processing method provided in one or more embodiments of this specification;

[0013] Figure 2 A schematic diagram of a settlement process provided for one or more embodiments of this specification;

[0014] Figure 3 A timing diagram illustrating a settlement processing method applied in a catering scenario, provided for one or more embodiments of this specification;

[0015] Figure 4 A flowchart illustrating another settlement processing method provided in one or more embodiments of this specification;

[0016] Figure 5 A schematic diagram of a settlement processing device provided for one or more embodiments of this specification;

[0017] Figure 6 A schematic diagram of another settlement processing device provided in one or more embodiments of this specification;

[0018] Figure 7 This specification provides a schematic diagram of the structure of a settlement processing device according to one or more embodiments.

[0019] Figure 8 This is a schematic diagram of another settlement processing device provided in one or more embodiments of this specification. Detailed Implementation

[0020] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this document.

[0021] This specification provides an example of a settlement processing method:

[0022] The settlement processing method provided in this embodiment can be applied to an institutional code platform. By cooperating with a payment platform, it sends pending payment orders submitted by institutional members based on the institutional code to the payment platform. The payment platform then transfers resources from the institutional account bound to the institutional code to an intermediary account for these pending payment orders. When the settlement condition for delayed resource settlement from the intermediary account to the merchant is triggered, a settlement instruction is sent to the payment platform, enabling the payment platform to process settlement with the merchant based on the payment resources obtained after the resource transfer. In this way, the intermediary account manages the payment resources used by institutional members to pay for pending orders, ensuring the security of payment resources, enabling delayed resource settlement to merchants, reducing transaction risks between institutional members and merchants, and protecting the consumer rights of institutional members at merchants by processing settlements when settlement conditions are triggered. This helps improve the service quality of merchants, thereby increasing the participation enthusiasm of both institutional members and merchants.

[0023] Reference Figure 1 The settlement processing method provided in this embodiment specifically includes steps S102 to S108.

[0024] Step S102: Obtain the pending payment orders of the organization's members.

[0025] The settlement processing method provided in this embodiment can be applied to an institutional code platform, and the settlement processing method provided in the following embodiments can be applied to a payment platform. The two cooperate with each other during execution. Therefore, please refer to the corresponding content of the following method embodiments when reading this embodiment, and similarly, please refer to the corresponding content of this embodiment when reading the following method embodiments.

[0026] In this embodiment, the organization includes various forms of organizations such as enterprises, public institutions, and social groups. Furthermore, the organization includes not only the organization itself but also its internal organizations, such as enterprise departments or branches. The organization members include organizational staff and related personnel.

[0027] The organization code refers to the identification code set by the organization for its members' payments, etc. This organization code uniquely identifies the organization and can exist in the form of a QR code, barcode, voice code, etc. Organization members can use this organization code to make payments. In addition, the organization code can also be used for invoicing, expense reimbursement, and other processing. It can also be used to identify the membership status of organization members, such as using the organization code as a digital employee badge, allowing employees to receive company benefits and subsidies as proof of their membership.

[0028] Optionally, the institution code is bound to an institution account, which includes a financial account opened by the institution on the payment platform. The institution account is used to make order payments for the pending orders of the institution's members. In addition, the institution account may also be a financial account opened by the institution in other financial institutions.

[0029] The institution code platform includes a platform corresponding to the institution code application. The institution code application can be an application running independently on a terminal device, or a sub-application integrated with a third-party application. The third-party application includes the application corresponding to the payment platform. The payment platform includes a platform corresponding to the payment application. The payment application can be an application running independently on a terminal device, or a sub-application integrated with a third-party application.

[0030] In practical applications, members of an organization can make payments at merchants using the organization's code. This involves submitting an order to be paid for using the organization's code. The merchant can be a restaurant, a merchant offering goods, or a merchant providing other services such as hairdressing, beauty treatments, or health and wellness services. The order to be paid for refers to an order generated by a member of the organization at the merchant, including orders for food, goods, or services. The order to be paid for may record the amount to be paid and / or the merchant's account identifier. Furthermore, the order to be paid for may also record other types of information, such as product information, menu information, and service information.

[0031] Optionally, the pending payment order is submitted based on the organization code of the organization to which the organization member belongs. Organization members can either go to a merchant's offline store to pay, submitting the pending payment order by scanning the organization code displayed on their member's terminal using the merchant's scanning device, or they can pay online by submitting the pending payment order through the organization account linked to the organization code. Optionally, the pending payment order can be submitted by scanning the organization code displayed on the organization member's member's terminal using the merchant's scanning device, or based on redirection data containing the organization account's identifier carried after redirecting from the organization code service to the catering service.

[0032] The institutional code service includes an application running independently on a terminal device, or a sub-application embedded in a third-party application. The third-party application includes the application corresponding to the payment platform. The institutional code service may correspond to an institutional code platform, which processes pending payment orders from institutional members. The catering service includes a sub-application embedded in the payment application, and the catering service may be a food delivery service.

[0033] Before executing pending orders from institutional members, the institutional code platform can also obtain institutional code access requests submitted by member terminals of institutional members, and issue the institutional code of the institution to the member terminals for display. The pending order is submitted after the merchant's scanning device scans the institutional code displayed on the member terminal. In addition, before executing pending orders from institutional members, the catering platform can obtain redirection instructions submitted by institutional members from the institutional code service to the catering service. The redirection instructions carry redirection data containing the account identifier of the institutional account. The catering platform then submits the pending order based on the account identifier of the institutional account.

[0034] In this embodiment, the resource transfer processing for orders awaiting payment and the settlement processing for merchants can be implemented based on an agreement signed between the merchant and the payment platform. Specifically, the merchant and the payment platform sign a resource agency agreement. After the merchant and the payment platform sign the resource agency agreement, an intermediary account is opened on the payment platform. The intermediary account is used to act as an agent (custodian) for the payment resources of the institution members for the orders awaiting payment. Optionally, the intermediary account is created on the payment platform after the merchant and the payment platform sign the resource agency agreement.

[0035] Specifically, after a merchant signs a resource agency agreement with a payment platform, the payment platform creates an intermediary account for the merchant. This intermediary account belongs to the merchant, but its management authority belongs to the payment platform; that is, the payment platform manages the intermediary account. Based on the resource agency agreement, the payment platform manages the payment resources in the intermediary account on behalf of the merchant. In this case, payment resources from payments made by institutional members for pending orders are not directly transferred to the merchant's account, but are first transferred to the intermediary account. A decision on whether to transfer the payment resources to the merchant's account is made after a specific period, thereby protecting the consumer rights of institutional members and ensuring the security of the institution's funds.

[0036] In addition, resource transfer processing for pending orders and settlement processing for merchants can also be achieved through a tripartite agreement between the institution, the merchant, and the payment platform. Specifically, the tripartite agreement between the institution, the merchant, and the payment platform includes: a payment cooperation agreement between the institution and the merchant, a resource management agreement between the institution and the payment platform, and a resource agency agreement between the merchant and the payment platform.

[0037] Based on the agreement signed by the institution, the merchant, and the payment platform, when the institution's members make payments for orders to be paid, the payment resources transferred from the institution's account are not directly transferred to the merchant's account. Instead, the payment resources transferred from the institution's account are transferred to an intermediary account, and it is determined whether the payment resources will be transferred to the merchant's account after a specific period of time.

[0038] Step S104: Send the pending payment order to the payment platform to transfer resources from the institutional account bound to the institutional code to the intermediary account for the pending payment order.

[0039] After the organization code platform obtains the pending payment orders of the organization members, it sends the pending payment orders to the payment platform so that the payment platform can transfer resources for the pending payment orders. In this embodiment, the payment platform refers to the platform used for resource transfer.

[0040] Optionally, the resource transfer is performed according to the amount to be paid recorded in the order to be paid. Specifically, the resource transfer is implemented as follows: the payment resources corresponding to the amount to be paid are transferred from the institutional account to the intermediary account; the amount to be paid is obtained from the order to be paid.

[0041] In addition, after the payment platform transfers resources from the institutional account to the intermediary account, it can send a detection reminder to the institutional code platform so that the institutional code platform can perform the following step S106.

[0042] In addition, after transferring resources from the institutional account to the intermediary account, the payment platform can further freeze the payment resources obtained after the transfer in the intermediary account, and send a detection reminder to the institutional code platform so that the institutional code platform can perform the following step S106.

[0043] In practical applications, the resource accounts for resource transfer may differ depending on the order type of the pending payment order. For example, for pending payment orders for official purposes, resource transfer is performed from the institutional account to the intermediary account; for pending payment orders for personal purposes, resource transfer is performed from the user account to the intermediary account. In order to achieve resource transfer more effectively, step S104 can be replaced by sending the pending payment order to the payment platform to perform the resource transfer from the institutional account to the intermediary account based on the order type of the pending payment order.

[0044] Step S106: Detect whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant have been triggered.

[0045] The aforementioned sending of pending payment orders to the payment platform enables the payment platform to transfer resources for pending payment orders. Specifically, this involves transferring resources from the institutional account bound to the institutional code to the intermediary account for pending payment orders. In this step, in order to promote the settlement process for settlement to the merchant, it is necessary to detect whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant have been triggered, that is, to detect whether settlement processing is carried out based on the intermediary account to the merchant.

[0046] The delayed resource settlement described in this embodiment includes delayed resource settlement with merchants. The settlement conditions refer to the conditions for settling with merchants based on payment resources. Optionally, the settlement conditions include obtaining confirmation information from the institution member regarding the payment order within the delay period or the expiration of the delay period. This means that if the settlement conditions are not triggered, delayed resource settlement is performed from the intermediary account to the merchant, i.e., no settlement processing is performed from the intermediary account to the merchant. This delayed resource settlement effectively protects the consumer rights of institution members at merchants and encourages merchants to improve product or service quality. The payment order is obtained after the resource transfer from the institution account to the intermediary account for the pending payment order.

[0047] The delay period refers to the time limit set for delayed resource settlement with merchants. For example, a delay period of 24 hours means that the delay period for resource settlement with merchants is 24 hours; settlement will not be made to merchants within 24 hours, and settlement will be made to merchants after 24 hours. During the process of an institutional member submitting confirmation information for a payment order, specifically by triggering the confirmation control on the payment order page, the confirmation information includes a confirmation request. Submitting confirmation information for a payment order indicates that the institutional member has no objection to the payment order.

[0048] In the case where the payment order includes a catering payment order, the settlement conditions may optionally include obtaining confirmation information from the organization member regarding the catering payment order or the expiration of the delay period for the delayed resource settlement.

[0049] In practical applications, institutional members may have objections to payment orders, such as objections to the menu information in the payment order. To effectively address these objections, improve the service experience for institutional members, and strengthen their trust in merchants, an appeal channel can be provided. Institutional members can submit requests regarding payment orders, and the institutional code platform can process these requests accordingly. In one optional implementation of this embodiment, if the execution result after detecting whether the settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered is negative, the following operation is performed:

[0050] Obtain the request information submitted by the organization members regarding the payment order;

[0051] Determine the merchant's response type to the request information, and perform resource transfer processing for a specific resource amount corresponding to the specific resource amount based on the response type; optionally, the specific resource amount is determined based on the resource amount of the payment resource.

[0052] The specific resource amount can also be determined based on the resource amount of the payment resource and the request information. The specific resource amount can be less than the resource amount of the payment resource, equal to the resource amount of the payment resource, or greater than the resource amount of the payment resource.

[0053] Optionally, the request information includes information from an organization member regarding a payment order, such as a request that an organization member developed symptoms after dining and has sought medical attention. The response type includes the response type of the merchant in response to the request information, and the response type includes a first response type and / or a second response type.

[0054] Furthermore, if the execution result after detecting whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant have been triggered is yes, then the following step S108 is executed.

[0055] This embodiment provides a detailed explanation of the process of transferring specific resources corresponding to specific resource amounts under two different response types.

[0056] (1) First Response Type

[0057] In practical applications, merchants may or may not accept the request information submitted by the organization members. If the merchant accepts the request information submitted by the organization members, that is, if the merchant confirms the request information submitted by the organization members, the resources can be returned to the organization members to reduce the merchant's customer complaint rate.

[0058] In the above-described process of transferring specific resources corresponding to a specific resource amount based on the response type, in one optional implementation of this embodiment, if the response type is a first response type, a resource return instruction carrying the specific resource amount is sent to the payment platform to return the resource from the intermediary account to the institutional account based on the specific resource; optionally, the first response type is determined based on the merchant's confirmation request for the request information.

[0059] When the specific resource amount is determined based on the resource amount of the payment resource, optionally, the specific resource amount is determined as follows: the specific resource amount is calculated by multiplying the resource amount of the payment resource by the resource return ratio corresponding to the first response type. For example, under the first response type, the resource return ratio is 80%, and the resource amount of the payment resource is 500 yuan, then the specific resource amount is 500 × 80% = 400 yuan.

[0060] Furthermore, when the specific resource amount is determined based on the amount of payment resources and the request information, the specific resource amount can be determined as follows: The resource return ratio is determined based on the request information, and the product of the payment resource amount and the resource return ratio is calculated as the specific resource amount. Specifically, the process of determining the resource return ratio based on the request information is achieved by determining the resource return level based on the request information and obtaining the resource return ratio corresponding to that level. For example, if the request information includes that an organization member experienced illness but recovered on their own without seeking medical treatment, the resource return level is Level 1, and the resource return ratio is 80%; if the request information includes that an organization member experienced illness but recovered after seeking medical treatment, the resource return level is Level 2, and the resource return ratio is 150%.

[0061] Accordingly, the payment platform performs the following operations: receiving a resource return instruction carrying a specific resource amount sent by the institution code platform; and returning the resources from the intermediary account to the institution account based on the specific resources corresponding to the specific resource amount.

[0062] It should be noted that, in the process of sending a resource return instruction carrying a specific resource amount to the payment platform if the response type is the first response type, in order to return resources from the intermediary account to the institutional account based on the specific resource, if the specific resource amount is higher than the payment resource amount, the payment platform will transfer the transfer-out resource corresponding to the difference between the specific resource amount and the payment resource amount from the merchant account to the intermediary account, and return the payment resource and the transfer-out resource as the specific resource from the intermediary account to the institutional account.

[0063] In addition, the above-mentioned process of transferring specific resources corresponding to specific resource amounts based on response type can be replaced by marking the payment order as cancelled if the response type is the first response type, and sending a resource return instruction carrying a specific resource amount to the payment platform after the cancellation mark, so as to return resources from the intermediary account to the institutional account based on the specific resources; wherein, the first response type is determined based on the merchant's confirmation request for the request information, and together with other processing steps provided in this embodiment, it forms a new implementation method.

[0064] (2) Second Response Type

[0065] In the above process of transferring specific resources corresponding to specific resource amounts based on response type, in an optional implementation of this embodiment, if the response type is a second response type, the merchant type is determined based on the merchant information carried in the objection request, and the feedback result of the request information is obtained based on the merchant type; the specific resource is transferred based on the feedback result; optionally, the second response type is determined based on the objection request from the merchant regarding the request information.

[0066] The merchant information includes a merchant identifier, which can be an identifier used to distinguish merchants, such as the merchant name; the merchant type includes the merchant source type, such as internal introduction type and external introduction type. The internal introduction type means that the merchant was introduced by an internal member of the service provider that manages the merchant, and the external introduction type means that the merchant was introduced by an external person of the service provider that manages the merchant.

[0067] Furthermore, in an optional implementation of this embodiment, the following operations are performed during the process of obtaining the feedback result of the request information based on the merchant type:

[0068] The request information and the merchant type are sent to the service platform so that the request information is assigned to the service provider corresponding to the merchant type for feedback processing.

[0069] The feedback result is obtained by processing the feedback returned by the service platform.

[0070] Specifically, each merchant type corresponds to its own service provider for feedback processing. Optionally, the feedback processing of request information includes the service platform returning the feedback result of the request information to the organization code platform. The service platform refers to the platform used for processing the feedback of request information.

[0071] In the above-described process of transferring specific resources based on feedback results, in one optional implementation of this embodiment, the following operation is performed: if confirmation information from the organization member regarding the feedback result is detected, a settlement instruction is synchronized to the payment platform to transfer the specific resource from the intermediary account to the merchant account; the specific resource includes the payment resource.

[0072] The specific resource can be a payment resource or a resource smaller than the payment resource. When the specific resource is smaller than the payment resource, the specific resource amount of the specific resource is determined by any of the following methods: determined based on the resource amount of the payment resource, or determined based on the resource amount of the payment resource and the feedback processing parameters.

[0073] Specifically, in determining the specific resource amount of a specific resource based on the amount of payment resources, this is achieved by determining the corresponding settlement ratio based on the second response type, and then using the product of the payment resource amount and the settlement ratio as the specific resource amount. Similarly, in determining the specific resource amount based on the payment resource amount and feedback processing parameters, the settlement ratio is determined through the feedback processing parameters, and the product of the payment resource amount and the settlement ratio is used as the specific resource amount. Here, feedback processing parameters refer to the processing parameters used to process the request information submitted by the organization's members; optionally, feedback processing parameters include the feedback processing duration.

[0074] Using the previous example, the requested information is that an organization member developed symptoms after a meal and sought medical attention. The response to the requested information is to provide medical records and offer corresponding compensation. The organization member submits confirmation information in response to the feedback, indicating that the organization member acknowledges the feedback regarding the requested information.

[0075] Accordingly, the payment platform performs the following operations: receiving the settlement instruction synchronized by the institution code platform; the synchronized settlement instruction is generated after detecting the confirmation information of the institution member's feedback result on the request information; transferring the specific resource corresponding to the specific resource amount from the intermediary account to the merchant account; the specific resource includes the payment resource.

[0076] In another optional implementation of this embodiment, during the process of transferring specific resources based on feedback results, the following operation is performed: if no confirmation information from the organization member regarding the feedback results is detected, a resource return instruction containing the specific resource amount is synchronously sent to the payment platform to return resources from the intermediary account to the organization account based on the specific resource.

[0077] The specific resource amount here can be determined on the one hand based on the resource amount of the payment resource, and on the other hand based on the resource amount of the payment resource and the request information and / or feedback processing parameters.

[0078] When the specific resource amount is determined based on the resource amount of the payment resource, the specific resource amount may optionally be determined by multiplying the resource amount of the payment resource by the resource return ratio corresponding to the second response type as the specific resource amount.

[0079] When a specific resource amount is determined based on the amount of payment resources and request information and / or feedback processing parameters, the specific resource amount can be determined as follows: a resource return ratio is determined based on the request information and / or feedback processing parameters, and the product of the payment resource amount and the resource return ratio is calculated as the specific resource amount. Specifically, the process of determining the resource return ratio based on the request information and / or feedback processing parameters is achieved by determining a resource return level based on the request information and / or feedback processing parameters and obtaining the resource return ratio corresponding to that level.

[0080] Furthermore, based on the above-mentioned resource transfer processing corresponding to specific resource amounts according to response type, the delayed settlement status of payment orders can be further updated based on the resource transfer results; the payment order is in a delayed settlement status after the resource transfer from the institutional account to the intermediary account; the delayed settlement status refers to the status of delayed settlement for the payment order, and the payment order includes orders that have been processed for payment but have not been settled with the merchant;

[0081] Specifically, during the process of updating the delayed settlement status of a payment order based on the resource transfer result, the following operations can be performed: if the response type is the first response type, update the delayed settlement status of the payment order to the cancelled status after the resource is returned; or, if the response type is the second response type, update the delayed settlement status of the payment order to the settled status after the resource is transferred.

[0082] In addition, step S106 can be replaced by detecting whether the resource transfer task of the intermediate account is triggered, and forming a new implementation method with other processing steps provided in this embodiment; optionally, the resource transfer task includes a task of settling resources from the intermediate account to the merchant, the resource transfer task is created after the resource transfer from the institutional account to the intermediate account, and the resource transfer task is created by the institutional code platform.

[0083] In addition, step S106 can also be replaced by detecting whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant have been triggered based on the detection reminder sent by the payment platform, and forming a new implementation method with other processing steps provided in this embodiment.

[0084] Step S108: Send a settlement instruction to the payment platform to process the settlement with the merchant based on the payment resources obtained after the transfer of resources in the intermediary account.

[0085] The above-mentioned detection checks whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant have been triggered. In this step, a settlement instruction is sent to the payment platform to settle resources from the intermediary account to the merchant. The settlement instruction mentioned in this embodiment refers to the settlement instruction for settlement from the intermediary account to the merchant; specifically, it is sent to the payment platform when the settlement conditions are triggered.

[0086] By processing settlement with merchants when settlement conditions are triggered—that is, by obtaining confirmation information from the institution member regarding the payment order within the delay period or by processing settlement with merchants upon the expiration of the delay period—the quality of products or services provided by merchants can be constrained. For most payment orders, settlement can be processed with merchants upon the expiration of the delay period, resulting in a short payment cycle and avoiding financial pressure on merchants.

[0087] In practice, when the institutional code platform detects that the settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered, it generates a settlement instruction and sends it to the payment platform. The payment platform then processes the settlement with the merchant based on the payment resources in the intermediary account. Optionally, the settlement process is based on the intermediary account and the merchant account identifier recorded in the payment order. Specifically, the settlement process includes: reading the merchant account identifier recorded in the payment order, transferring the payment resources from the intermediary account, and transferring the transferred payment resources to the merchant account corresponding to the merchant account identifier. The merchant account includes a financial account opened by the merchant on the payment platform.

[0088] like Figure 2The following are schematic diagrams of the settlement process: Figure (a) shows the resource flow, Figure (b) shows one type of settlement process, and Figure (c) shows another type of settlement process. As shown in Figure (b), the organization code platform obtains the order to be paid based on the organization code displayed by the organization member and sends it to the payment platform. The payment platform transfers resources from the organization account to the intermediary account for the order to be paid. When the settlement condition of delayed resource settlement from the intermediary account to the merchant is triggered, the organization code platform sends a settlement instruction to the payment platform. The payment platform then transfers resources from the intermediary account to the merchant account, that is, it transfers the payment resources obtained after the intermediary account transfers resources from the organization account to the intermediary account to the merchant account. As shown in Figure (c), the payment platform has already transferred resources from the institutional account to the intermediary account for the pending payment order. If the settlement condition for delayed resource settlement from the intermediary account to the merchant is triggered, and the merchant submits a confirmation request for the payment order, the payment resources obtained from the resource transfer in the intermediary account are returned to the institutional account. If the merchant submits an objection request for the payment order, and the institutional member submits confirmation information based on the feedback result of the request, settlement processing is performed on the payment resources obtained from the resource transfer in the intermediary account, i.e., the payment resources obtained from the resource transfer from the institutional account to the intermediary account are transferred to the merchant's account. If the merchant submits an objection request for the payment order, and the institutional member does not submit confirmation information based on the feedback result of the request, the payment resources obtained from the resource transfer in the intermediary account are returned to the institutional account.

[0089] In summary, the settlement processing method provided in this embodiment sends the pending payment orders of institutional members obtained based on the institution's institution code to the payment platform. The payment platform then transfers resources from the institutional account to an intermediary account for these pending payment orders. By detecting whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant are triggered, a settlement instruction is sent to the payment platform to determine whether to send a settlement instruction. This achieves delayed resource settlement to the merchant, reducing transaction risks between institutional members and merchants. On one hand, when the settlement conditions are triggered, a settlement instruction is sent to the payment platform to settle payments to the merchant based on the payment resources obtained after the resource transfer from the intermediary account. On the other hand, when the settlement conditions are not triggered, resource transfer processing is performed based on the merchant's response type to the request information submitted by the institutional member, corresponding to a specific resource amount. Thus, the intermediary account manages the payment resources used by institutional members to pay for payment orders, ensuring the security of payment resources. By processing settlement when the settlement conditions are triggered, the consumption rights of institutional members at merchants are protected, which helps improve the service quality of merchants and thereby increases the participation enthusiasm of institutional members and merchants.

[0090] The following description uses the application of a settlement processing method provided in this embodiment in a catering scenario as an example to further illustrate the settlement processing method provided in this embodiment. (See also...) Figure 3 The settlement processing method applied to the catering scenario includes the following steps.

[0091] Step S302: Obtain the pending catering orders submitted by the organization members based on the organization code.

[0092] Step S304: Send the catering order to be paid to the payment platform to transfer resources from the institutional account bound to the institutional code to the intermediary account for the catering order to be paid.

[0093] The payment platform transfers resources from institutional accounts linked to institutional codes to intermediary accounts for pending catering orders.

[0094] Step S308: Detect whether the settlement conditions for delayed resource settlement from the intermediary account to the catering merchant have been triggered;

[0095] If so, a settlement instruction is sent to the payment platform to process the settlement with the catering merchant based on the payment resources obtained after the transfer of resources in the intermediary account.

[0096] If not, proceed to steps S310 to S312.

[0097] Step S310: Obtain the request information submitted by the organization members for the catering payment order.

[0098] Step S312: Determine the type of response from the restaurant to the requested information.

[0099] Step S314: If the response type is the first response type, send a resource return instruction carrying a specific resource amount to the payment platform to return resources from the intermediary account to the institutional account based on the specific resources.

[0100] The payment platform responds to the resource return instruction sent by the institutional code platform and returns resources from the intermediary account to the institutional account based on specific resources.

[0101] The above step S314 can be replaced by determining the merchant type based on the catering merchant information carried in the objection request if the response type is the second response type, obtaining the feedback result of the request information based on the merchant type, performing resource transfer processing of specific resources based on the feedback result, and forming a new implementation method with other processing steps provided in this embodiment.

[0102] Specifically, the process of obtaining the feedback result of the request information based on the merchant type is achieved by sending the request information and merchant type to the service platform, so that the request information is assigned to the service provider corresponding to the merchant type for feedback processing; and obtaining the feedback result returned by the service platform.

[0103] The process of transferring specific resources based on feedback results involves: if confirmation from an institutional member regarding the feedback result is detected, a settlement instruction is synchronized to the payment platform to transfer the specific resources from the intermediary account to the merchant account; if no confirmation from an institutional member regarding the feedback result is detected, a resource return instruction containing the specific resource amount is synchronized to the payment platform to return the resources from the intermediary account to the institutional account based on the specific resources.

[0104] Another settlement processing method provided in this manual is illustrated below:

[0105] The settlement processing method provided in this embodiment can be applied to payment platforms. By cooperating with an institutional code platform, it transfers resources from the institutional account bound to the institutional code to an intermediary account for the pending payment orders of institutional members. Subsequently, it settles payments with merchants based on the payment resources obtained after the resource transfer in the intermediary account. In this way, the intermediary account manages the payment resources of institutional members after they have paid for the pending orders, ensuring the security of payment resources, enabling delayed resource settlement with merchants, reducing transaction risks between institutional members and merchants, and protecting the consumer rights of institutional members at merchants by processing settlements when settlement conditions are triggered. This helps improve the service quality of merchants, thereby increasing the participation enthusiasm of institutional members and merchants.

[0106] Reference Figure 4 The settlement processing method provided in this embodiment specifically includes steps S402 to S406.

[0107] Step S402: Obtain the pending payment orders of the organization members sent by the organization code platform.

[0108] In this embodiment, the organization includes various forms of organizations such as enterprises, public institutions, and social groups. Furthermore, the organization includes not only the organization itself but also its internal organizations, such as enterprise departments or branches. The organization members include organizational staff and related personnel.

[0109] The organization code refers to the identification code set by the organization for its members' payments, etc. This organization code uniquely identifies the organization and can exist in the form of a QR code, barcode, voice code, etc. Organization members can use this organization code to make payments. In addition, the organization code can also be used for invoicing, expense reimbursement, and other processing. It can also be used to identify the membership status of organization members, such as using the organization code as a digital employee badge, allowing employees to receive company benefits and subsidies as proof of their membership.

[0110] Optionally, the institution code is bound to an institution account, which includes a financial account opened by the institution on the payment platform. The institution account is used to make payment for the payment orders of the institution's members. In addition, the institution account may also be a financial account opened by the institution in other financial institutions.

[0111] The institution code platform includes a platform corresponding to the institution code application. The institution code application can be an application running independently on a terminal device, or a sub-application integrated with a third-party application. The third-party application includes the application corresponding to the payment platform. The payment platform includes a platform corresponding to the payment application. The payment application can be an application running independently on a terminal device, or a sub-application integrated with a third-party application.

[0112] In practical applications, members of an organization can make payments at merchants using the organization's code. This involves submitting an order to be paid for using the organization's code. The merchant can be a restaurant, a merchant offering goods, or a merchant providing other services such as hairdressing, beauty treatments, or health and wellness services. The order to be paid for refers to an order generated by a member of the organization at the merchant, including orders for food, goods, or services. The order to be paid for may record the amount to be paid and / or the merchant's account identifier. Furthermore, the order to be paid for may also record other types of information, such as product information, menu information, and service information.

[0113] Optionally, the pending payment order is submitted based on the organization code of the organization to which the organization member belongs. Organization members can either go to a merchant's offline store to pay, submitting the pending payment order by scanning the organization code displayed on their member's terminal using the merchant's scanning device, or they can pay online by submitting the pending payment order through the organization account linked to the organization code. Optionally, the pending payment order can be submitted by scanning the organization code displayed on the organization member's member's terminal using the merchant's scanning device, or based on redirection data containing the organization account's identifier carried after redirecting from the organization code service to the catering service.

[0114] The institutional code service includes an application running independently on a terminal device, or a sub-application embedded in a third-party application. The third-party application includes the application corresponding to the payment platform. The institutional code service may correspond to an institutional code platform, which processes pending payment orders from institutional members. The catering service includes a sub-application embedded in the payment application, and the catering service may be a food delivery service.

[0115] Before executing pending orders from institutional members, the institutional code platform can also obtain institutional code access requests submitted by member terminals of institutional members, and issue the institutional code of the institution to the member terminals for display. The pending order is submitted after the merchant's scanning device scans the institutional code displayed on the member terminal. In addition, before executing pending orders from institutional members, the catering platform can obtain redirection instructions submitted by institutional members to jump from the institutional code platform to the catering platform. The redirection instructions carry redirection data containing the account identifier of the institutional account. The catering platform then submits the pending order based on the account identifier of the institutional account.

[0116] In this embodiment, the resource transfer processing for orders awaiting payment and the settlement processing for merchants can be implemented based on an agreement signed between the merchant and the payment platform. Specifically, the merchant and the payment platform sign a resource agency agreement. After the merchant and the payment platform sign the resource agency agreement, an intermediary account is opened on the payment platform. The intermediary account is used to act as an agent (custodian) for the payment resources of the institution members for the orders awaiting payment. Optionally, the intermediary account is created on the payment platform after the merchant and the payment platform sign the resource agency agreement.

[0117] Specifically, after a merchant signs a resource agency agreement with a payment platform, the payment platform creates an intermediary account for the merchant. This intermediary account belongs to the merchant, but its management authority belongs to the payment platform; that is, the payment platform manages the intermediary account. Based on the resource agency agreement, the payment platform manages the payment resources in the intermediary account on behalf of the merchant. In this case, payment resources from payments made by institutional members for pending orders are not directly transferred to the merchant's account, but are first transferred to the intermediary account. A decision on whether to transfer the payment resources to the merchant's account is made after a specific period, thereby protecting the consumer rights of institutional members and ensuring the security of the institution's funds.

[0118] In addition, resource transfer processing for pending orders and settlement processing for merchants can also be achieved through a tripartite agreement between the institution, the merchant, and the payment platform. Specifically, the tripartite agreement between the institution, the merchant, and the payment platform includes: a payment cooperation agreement between the institution and the merchant, a resource management agreement between the institution and the payment platform, and a resource agency agreement between the merchant and the payment platform.

[0119] Based on the agreement signed by the institution, the merchant, and the payment platform, when the institution's members make payments for orders to be paid, the payment resources transferred from the institution's account are not directly transferred to the merchant's account. Instead, the payment resources transferred from the institution's account are transferred to an intermediary account, and it is determined whether the payment resources will be transferred to the merchant's account after a specific period of time.

[0120] Step S404: Transfer resources from the institutional account bound to the institutional code to the intermediary account for the order to be paid.

[0121] After obtaining the pending payment orders of the institutional members on the institutional code platform, the pending payment orders are sent to the payment platform. The payment platform obtains the pending payment orders sent by the institutional code platform. The payment platform refers to the platform used for resource transfer. In this step, the resource transfer from the institutional account to the intermediary account is carried out for the pending payment orders.

[0122] Optionally, the resource transfer is performed according to the amount to be paid recorded in the order to be paid. Specifically, the resource transfer is implemented as follows: the payment resources corresponding to the amount to be paid are transferred from the institutional account to the intermediary account; the amount to be paid is obtained from the order to be paid.

[0123] In addition, after the payment platform transfers resources from the institutional account to the intermediary account, it can send a detection reminder to the institutional code platform so that the institutional code platform can perform a detection operation to check whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant have been triggered.

[0124] In addition, after transferring resources from institutional accounts to intermediary accounts, payment platforms can further freeze the payment resources obtained after the transfer in the intermediary accounts, and send a detection reminder to the institutional code platform so that the institutional code platform can perform a detection operation to check whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant have been triggered.

[0125] Step S406: Settle the payment resources obtained after the resource transfer in the intermediary account with the merchant.

[0126] The aforementioned payment platform transfers resources from institutional accounts to intermediary accounts for pending orders obtained from the institutional code platform. Correspondingly, the institutional code platform detects whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant have been triggered. If so, it sends a settlement instruction to the payment platform to process the settlement with the merchant based on the payment resources obtained after the resource transfer from the intermediary account. In this step, in response to the settlement instruction sent by the institutional code platform, the payment with the merchant is processed based on the payment resources obtained after the resource transfer.

[0127] In this embodiment, the delayed resource settlement includes delayed resource settlement with the merchant. The settlement conditions refer to the conditions for settling with the merchant based on payment resources. Optionally, the settlement conditions include obtaining confirmation information from the institution member regarding the payment order within the delay period or the expiration of the delay period. This means that if the settlement conditions are not triggered, delayed resource settlement is performed from the intermediary account to the merchant, i.e., no settlement processing is performed from the intermediary account to the merchant. This delayed resource settlement effectively protects the consumer rights of institution members at the merchant's expense and encourages the merchant to improve product or service quality. The payment order is obtained after resource transfer for the pending payment order.

[0128] The delay period refers to the time limit set for delayed resource settlement with merchants. For example, a delay period of 24 hours means that the delay period for resource settlement with merchants is 24 hours; settlement will not be made to merchants within 24 hours, and settlement will be made to merchants after 24 hours. During the process of an institutional member submitting confirmation information for a payment order, specifically by triggering the confirmation control on the payment order page, the confirmation information includes a confirmation request. Submitting confirmation information for a payment order indicates that the institutional member has no objection to the payment order.

[0129] In the case where the payment order includes a catering payment order, the settlement conditions may optionally include obtaining confirmation information from the organization member regarding the catering payment order or the expiration of the delay period for the delayed resource settlement.

[0130] By processing settlement with merchants when settlement conditions are triggered—that is, by obtaining confirmation information from the institution member regarding the payment order within the delay period or by processing settlement with merchants upon the expiration of the delay period—the quality of products or services provided by merchants can be constrained. For most payment orders, settlement can be processed with merchants upon the expiration of the delay period, resulting in a short payment cycle and avoiding financial pressure on merchants.

[0131] In practice, when the institutional code platform detects that the settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered, it can generate a settlement instruction and send it to the payment platform. The payment platform then processes the settlement with the merchant based on the payment resources in the intermediary account. Optionally, the settlement process is based on the intermediary account and the merchant account identifier recorded in the payment order. Specifically, the settlement process includes: reading the merchant account identifier recorded in the payment order, transferring the payment resources from the intermediary account, and transferring the transferred payment resources to the merchant account corresponding to the merchant account identifier.

[0132] In practical applications, institutional members may have objections to payment orders, such as objections to the menu information in the payment order. To effectively address these objections, improve the service experience for institutional members, and strengthen their trust in merchants, an appeal channel can be provided. Institutional members can submit requests regarding payment orders, and the institutional code platform can process these requests accordingly. Specifically, if the platform detects whether the settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered, it will perform the following operations:

[0133] Obtain request information submitted by organization members regarding payment orders;

[0134] Determine the merchant's response type to the request information, and perform resource transfer processing for a specific resource amount corresponding to the response type; optionally, the specific resource amount is determined based on the resource amount of the payment resource.

[0135] The specific resource amount can also be determined based on the resource amount of the payment resource and the request information. The specific resource amount can be less than the resource amount of the payment resource, equal to the resource amount of the payment resource, or greater than the resource amount of the payment resource.

[0136] Optionally, the request information includes the request information raised by the organization member regarding the payment order, such as the request information including that the organization member has developed symptoms after dining and has sought medical treatment, and the response type includes the response type of the merchant in response to the request information, including a first response type and / or a second response type.

[0137] This embodiment provides a detailed explanation of the process of transferring specific resources corresponding to specific resource amounts on the organization code platform under two different response types.

[0138] (1) First Response Type

[0139] In practical applications, merchants may or may not accept the request information submitted by the organization members. If the merchant accepts the request information submitted by the organization members, that is, if the merchant confirms the request information submitted by the organization members, the resources can be returned to the organization members to reduce the merchant's customer complaint rate.

[0140] In the process of transferring specific resources corresponding to a specific resource amount according to the above response type, if the response type is the first response type, the institution code platform sends a resource return instruction carrying a specific resource amount to the payment platform to return resources from the intermediary account to the institution account based on the specific resource; optionally, the first response type is determined based on the merchant's confirmation request for the request information.

[0141] When the specific resource amount is determined based on the resource amount of the payment resource, optionally, the specific resource amount is determined as follows: the specific resource amount is calculated by multiplying the resource amount of the payment resource by the resource return ratio corresponding to the first response type. For example, under the first response type, the resource return ratio is 80%, and the resource amount of the payment resource is 500 yuan, then the specific resource amount is 500 × 80% = 400 yuan.

[0142] Furthermore, when the specific resource amount is determined based on the amount of payment resources and the request information, the specific resource amount can be determined as follows: The resource return ratio is determined based on the request information, and the product of the payment resource amount and the resource return ratio is calculated as the specific resource amount. Specifically, the process of determining the resource return ratio based on the request information is achieved by determining the resource return level based on the request information and obtaining the resource return ratio corresponding to that level. For example, if the request information includes that an organization member experienced illness but recovered on their own without seeking medical treatment, the resource return level is Level 1, and the resource return ratio is 80%; if the request information includes that an organization member experienced illness but recovered after seeking medical treatment, the resource return level is Level 2, and the resource return ratio is 150%.

[0143] Accordingly, in one optional implementation of this embodiment, after the resource transfer from the institutional account bound to the intermediary account for the payment order, the payment platform performs the following operations: receiving a resource return instruction carrying a specific resource amount sent by the institutional code platform; and returning the resource from the intermediary account to the institutional account based on the specific resource corresponding to the specific resource amount.

[0144] It should be noted that, in the process of sending a resource return instruction carrying a specific resource amount to the payment platform if the response type is the first response type, in order to return resources from the intermediary account to the institutional account based on the specific resource, if the specific resource amount is higher than the payment resource amount, the payment platform will transfer the transfer-out resource corresponding to the difference between the specific resource amount and the payment resource amount from the merchant account to the intermediary account, and return the payment resource and the transfer-out resource as the specific resource from the intermediary account to the institutional account.

[0145] In addition, the above process of transferring specific resources corresponding to specific resource amounts based on response type can be replaced by marking the payment order as cancelled if the response type is the first response type, and sending a resource return instruction carrying a specific resource amount to the payment platform after the cancellation mark, so as to return resources from the intermediary account to the institutional account based on the specific resources; wherein, the first response type is determined based on the merchant's confirmation request for the request information.

[0146] (2) Second Response Type

[0147] In the above process of transferring specific resources corresponding to a specific amount of resources based on the response type, if the response type is the second response type, the organization code platform determines the merchant type based on the merchant information carried in the objection request, and obtains the feedback result of the request information based on the merchant type; and performs the resource transfer processing of the specific resource based on the feedback result; optionally, the second response type is determined based on the objection request of the merchant regarding the request information.

[0148] The merchant information includes a merchant identifier, which can be an identifier used to distinguish merchants, such as the merchant name; the merchant type includes the merchant source type, such as internal introduction type and external introduction type. The internal introduction type means that the merchant was introduced by an internal member of the service provider that manages the merchant, and the external introduction type means that the merchant was introduced by an external person of the service provider that manages the merchant.

[0149] Furthermore, in the process of obtaining the feedback results of the request information based on the merchant type, the organization code platform performs the following operations:

[0150] The request information and the merchant type are sent to the service platform so that the request information is assigned to the service provider corresponding to the merchant type for feedback processing.

[0151] The feedback result is obtained by processing the feedback returned by the service platform.

[0152] Specifically, each merchant type corresponds to its own service provider for feedback processing. Optionally, the feedback processing of request information includes the service platform returning the feedback result of the request information to the organization code platform. The service platform refers to the platform used for processing the feedback of request information.

[0153] In the process of transferring specific resources based on the feedback results, the organization code platform performs the following operations: if it detects confirmation information from the organization member regarding the feedback results, it synchronizes a settlement instruction with the payment platform to transfer the specific resources from the intermediary account to the merchant account; the specific resources include the payment resources.

[0154] The specific resource can be a payment resource or a resource smaller than the payment resource. When the specific resource is smaller than the payment resource, the specific resource amount of the specific resource is determined by any of the following methods: determined based on the resource amount of the payment resource, or determined based on the resource amount of the payment resource and the feedback processing parameters.

[0155] Specifically, in determining the specific resource amount of a specific resource based on the amount of payment resources, this is achieved by determining the corresponding settlement ratio based on the second response type, and then using the product of the payment resource amount and the settlement ratio as the specific resource amount. Similarly, in determining the specific resource amount based on the payment resource amount and feedback processing parameters, the settlement ratio is determined through the feedback processing parameters, and the product of the payment resource amount and the settlement ratio is used as the specific resource amount. Here, feedback processing parameters refer to the processing parameters used to process the request information submitted by the organization's members; optionally, feedback processing parameters include the feedback processing duration.

[0156] Using the previous example, the requested information is that an organization member developed symptoms after a meal and sought medical attention. The response to the requested information is to provide medical records and offer corresponding compensation. The organization member submits confirmation information in response to the feedback, indicating that the organization member acknowledges the feedback regarding the requested information.

[0157] Accordingly, in one optional implementation of this embodiment, after the resource transfer from the institutional account bound to the intermediary account for the payment order, the payment platform performs the following operations: receiving the settlement instruction synchronized by the institutional code platform; the synchronized settlement instruction is generated after detecting the confirmation information of the institutional member's feedback result on the request information; transferring the specific resource corresponding to the specific resource amount from the intermediary account to the merchant account; the specific resource includes the payment resource.

[0158] During the process of transferring specific resources based on feedback results, the organization code platform can also perform the following operations: if no confirmation information from the organization member regarding the feedback results is detected, a resource return instruction containing the specific resource amount is synchronized to the payment platform to return resources from the intermediary account to the organization account based on the specific resource.

[0159] The specific resource amount here can be determined on the one hand based on the resource amount of the payment resource, and on the other hand based on the resource amount of the payment resource and the request information and / or feedback processing parameters.

[0160] When the specific resource amount is determined based on the resource amount of the payment resource, the specific resource amount may optionally be determined by multiplying the resource amount of the payment resource by the resource return ratio corresponding to the second response type as the specific resource amount.

[0161] When a specific resource amount is determined based on the amount of payment resources and request information and / or feedback processing parameters, the specific resource amount can be determined as follows: a resource return ratio is determined based on the request information and / or feedback processing parameters, and the product of the payment resource amount and the resource return ratio is calculated as the specific resource amount. Specifically, the process of determining the resource return ratio based on the request information and / or feedback processing parameters is achieved by determining a resource return level based on the request information and / or feedback processing parameters and obtaining the resource return ratio corresponding to that level.

[0162] Furthermore, based on the above-mentioned resource transfer processing corresponding to specific resource amounts according to response type, the institutional code platform can further update the delayed settlement status of payment orders based on the resource transfer results; the payment order is in a delayed settlement status after the resource transfer from the institutional account to the intermediary account; the delayed settlement status refers to the status of delayed settlement for payment orders, and payment orders include orders that have been processed for payment but have not been settled with the merchant.

[0163] like Figure 2The following are schematic diagrams of the settlement process: Figure (a) shows the resource flow, Figure (b) shows one type of settlement process, and Figure (c) shows another type of settlement process. As shown in Figure (b), the organization code platform obtains the order to be paid based on the organization code displayed by the organization member and sends it to the payment platform. The payment platform transfers resources from the organization account to the intermediary account for the order to be paid. When the settlement condition of delayed resource settlement from the intermediary account to the merchant is triggered, the organization code platform sends a settlement instruction to the payment platform. The payment platform then transfers resources from the intermediary account to the merchant account, that is, it transfers the payment resources obtained after the intermediary account transfers resources from the organization account to the intermediary account to the merchant account. As shown in Figure (c), the payment platform has already transferred resources from the institutional account to the intermediary account for the pending payment order. If the settlement condition for delayed resource settlement from the intermediary account to the merchant is triggered, and the merchant submits a confirmation request for the payment order, the payment resources obtained from the resource transfer in the intermediary account are returned to the institutional account. If the merchant submits an objection request for the payment order, and the institutional member submits confirmation information based on the feedback result of the request, settlement processing is performed on the payment resources obtained from the resource transfer in the intermediary account, i.e., the payment resources obtained from the resource transfer from the institutional account to the intermediary account are transferred to the merchant's account. If the merchant submits an objection request for the payment order, and the institutional member does not submit confirmation information based on the feedback result of the request, the payment resources obtained from the resource transfer in the intermediary account are returned to the institutional account.

[0164] The following description uses the application of a settlement processing method provided in this embodiment in a catering scenario as an example to further illustrate the settlement processing method provided in this embodiment. (See also...) Figure 3 The settlement processing method applied to the catering scenario includes the following steps.

[0165] The organization code platform obtains the pending catering orders submitted by the organization members based on the organization code, sends the pending catering orders to the payment platform, and transfers resources from the organization account bound to the organization code to the intermediary account for the pending catering orders.

[0166] Step S306: Transfer resources from the institutional account bound to the institutional code to the intermediary account for catering orders to be paid.

[0167] The platform detects whether the settlement conditions for delayed resource settlement from the intermediary account to the catering merchant have been triggered. If so, it sends a settlement instruction to the payment platform to process the settlement with the catering merchant based on the payment resources obtained after the resource transfer in the intermediary account. If not, it obtains the request information submitted by the institutional member for the catering payment order, determines the response type of the catering merchant to the request information, and if the response type is the first response type, it sends a resource return instruction carrying a specific resource amount to the payment platform to return the resources from the intermediary account to the institutional account based on the specific resources.

[0168] Step S316: In response to the resource return instruction sent by the institution code platform, perform resource return from the intermediary account to the institution account based on specific resources.

[0169] Optionally, the specific resource includes payment resources obtained after the resource transfer.

[0170] The following is an embodiment of a settlement processing device provided in this specification:

[0171] In the above embodiments, a settlement processing method is provided, and correspondingly, a settlement processing device is also provided, which will be described below with reference to the accompanying drawings.

[0172] Reference Figure 5 The diagram shows a settlement processing device provided in this embodiment.

[0173] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0174] This embodiment provides a settlement processing device, including:

[0175] The payment order acquisition module 502 is configured to acquire the pending payment orders of the organization members; the pending payment orders are submitted based on the organization code of the organization to which the organization member belongs;

[0176] The payment order sending module 504 is configured to send the order to be paid to the payment platform to transfer resources from the institutional account bound to the institutional code to the intermediary account for the order to be paid.

[0177] The settlement condition detection module 506 is configured to detect whether the settlement condition for delayed resource settlement from the intermediary account to the merchant has been triggered;

[0178] If so, the settlement instruction sending module 508 is run. The settlement instruction sending module 508 is configured to send a settlement instruction to the payment platform to perform settlement processing with the merchant based on the payment resources obtained after the transfer of resources in the intermediary account.

[0179] Another embodiment of the settlement processing device provided in this specification is as follows:

[0180] In the above embodiments, another settlement processing method is provided, and correspondingly, a settlement processing device is also provided, which will be described below with reference to the accompanying drawings.

[0181] Reference Figure 6 The diagram shows a settlement processing device provided in this embodiment.

[0182] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0183] This embodiment provides a settlement processing device, including:

[0184] The payment order acquisition module 602 is configured to acquire pending payment orders of institutional members sent by the institutional code platform; the pending payment orders are sent based on the institutional code of the institution to which the institutional member belongs;

[0185] Resource transfer module 604 is configured to transfer resources from the institution account bound to the institution code to the intermediary account for the order to be paid;

[0186] The settlement processing module 606 is configured to respond to the settlement instruction sent by the institution code platform and perform settlement processing with the merchant based on the payment resources obtained after the resource transfer in the intermediary account;

[0187] The settlement instruction is sent after the settlement condition for delayed resource settlement from the intermediary account to the merchant is triggered.

[0188] The following is an example of a settlement processing device provided in this specification:

[0189] Corresponding to the settlement processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a settlement processing device for executing the settlement processing method provided above. Figure 7 This is a schematic diagram of a settlement processing device provided for one or more embodiments of this specification.

[0190] This embodiment provides a settlement processing device, including:

[0191] like Figure 7As shown, the settlement processing device can vary considerably due to differences in configuration or performance. It may include one or more processors 701 and a memory 702, where one or more application programs or data may be stored. The memory 702 may be temporary or persistent storage. The application programs stored in the memory 702 may include one or more modules (not shown), each module including a series of computer-executable instructions from the settlement processing device. Furthermore, the processor 701 may be configured to communicate with the memory 702 and execute the series of computer-executable instructions stored in the memory 702 on the settlement processing device. The settlement processing device may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input / output interfaces 705, one or more keyboards 706, etc.

[0192] In one specific embodiment, the settlement processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the settlement processing device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0193] Retrieve pending payment orders from institutional members; the pending payment orders are submitted based on the institution code of the institution to which the institutional member belongs;

[0194] Send the pending payment order to the payment platform to transfer resources from the institutional account bound to the institutional code to the intermediary account for the pending payment order;

[0195] Detect whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant have been triggered;

[0196] If so, a settlement instruction is sent to the payment platform to process the settlement with the merchant based on the payment resources obtained after the transfer of resources in the intermediary account.

[0197] Another embodiment of the settlement processing equipment provided in this specification is as follows:

[0198] Corresponding to the other settlement processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a settlement processing device for executing the settlement processing method provided above. Figure 8 This is a schematic diagram of a settlement processing device provided for one or more embodiments of this specification.

[0199] This embodiment provides a settlement processing device, including:

[0200] like Figure 8 As shown, the settlement processing device can vary considerably due to differences in configuration or performance. It may include one or more processors 801 and a memory 802, where one or more application programs or data may be stored. The memory 802 may be temporary or persistent storage. The application programs stored in the memory 802 may include one or more modules (not shown), each module including a series of computer-executable instructions from the settlement processing device. Furthermore, the processor 801 may be configured to communicate with the memory 802 and execute the series of computer-executable instructions stored in the memory 802 on the settlement processing device. The settlement processing device may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input / output interfaces 805, one or more keyboards 806, etc.

[0201] In one specific embodiment, the settlement processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the settlement processing device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0202] The system retrieves pending payment orders from institutional members sent by the institutional code platform; these pending payment orders are sent based on the institutional code of the institution to which the institutional member belongs.

[0203] For the orders pending payment, transfer resources from the institutional account bound to the institutional code to the intermediary account;

[0204] In response to the settlement instruction sent by the institution code platform, the payment resources obtained after the transfer of resources in the intermediary account are used to process the settlement with the merchant;

[0205] The settlement instruction is sent after the settlement condition for delayed resource settlement from the intermediary account to the merchant is triggered.

[0206] This specification provides an example of a storage medium as follows:

[0207] Corresponding to the settlement processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0208] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0209] Retrieve pending payment orders from institutional members; the pending payment orders are submitted based on the institution code of the institution to which the institutional member belongs;

[0210] Send the pending payment order to the payment platform to transfer resources from the institutional account bound to the institutional code to the intermediary account for the pending payment order;

[0211] Detect whether the settlement conditions for delayed resource settlement from the intermediary account to the merchant have been triggered;

[0212] If so, a settlement instruction is sent to the payment platform to process the settlement with the merchant based on the payment resources obtained after the transfer of resources in the intermediary account.

[0213] It should be noted that the embodiments of a storage medium described in this specification and the embodiments of a settlement processing method described in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0214] Another embodiment of the storage medium provided in this specification is as follows:

[0215] In response to another settlement processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0216] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0217] The system retrieves pending payment orders from institutional members sent by the institutional code platform; these payment orders are sent based on the institutional code of the institution to which the institutional member belongs.

[0218] For the orders pending payment, transfer resources from the institutional account bound to the institutional code to the intermediary account;

[0219] In response to the settlement instruction sent by the institution code platform, the payment resources obtained after the transfer of resources in the intermediary account are used to process the settlement with the merchant;

[0220] The settlement instruction is sent after the settlement condition for delayed resource settlement from the intermediary account to the merchant is triggered.

[0221] It should be noted that the embodiments of another storage medium in this specification and the embodiments of another settlement processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0222] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0223] In the 1930s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many improvements to the methodology today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement to the methodology cannot be implemented using a hardware physical module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program a digital system themselves to "integrate" it onto a PLD, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0224] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, ASICs, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0225] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or any combination of these devices.

[0226] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0227] Those skilled in the art will understand that one or more embodiments of this specification can be provided as a method, system, or computer program product. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0228] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a machine for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0229] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0230] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0231] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0232] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0233] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0234] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0235] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0236] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0237] The above description is merely an embodiment of this document and is not intended to limit the scope of this document. Various modifications and variations can be made to this document by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this document should be included within the scope of the claims of this document.

Claims

1. A settlement processing method applied to an institution code platform, the method comprising: obtaining a to-be-paid catering order of an institution member consuming at an offline store of a merchant; the to-be-paid catering order being submitted based on jump data carrying an institution account identifier after jumping from an institution code service to a catering service; sending the to-be-paid catering order to a payment platform to perform resource transfer from an intermediate account of the institution account bound with the institution code to the merchant for the to-be-paid catering order; the intermediate account being managed by the payment platform; detecting whether a settlement condition of delayed resource settlement from the intermediate account to the merchant is triggered; the settlement condition including confirmation information of the institution member for a payment catering order submitted within a delay period; if not, obtaining request information submitted by the institution member in a case where the institution member has objections to dish information in the payment catering order, determining a response type of the merchant for the request information; if the response type is a second response type, determining a merchant type according to merchant information carried in an objection request submitted by the merchant for the request information, and obtaining a feedback result of the request information based on the merchant type, and after detecting that the institution member acknowledges the feedback result and submits confirmation information for the feedback result, synchronizing a settlement instruction to the payment platform to transfer payment resources from the intermediate account to a merchant account; the second response type being determined based on the objection request.

2. The settlement processing method of claim 1, the intermediate account being created at the payment platform after the merchant and the payment platform sign a resource proxy agreement.

3. The settlement processing method of claim 1, after the operation of determining the response type of the merchant for the request information is executed, further comprising: if the response type is a first response type, sending a resource return instruction carrying a specific resource amount to the payment platform to perform resource return from the intermediate account to the institution account based on specific resources; wherein the first response type is determined based on a confirmation request of the merchant for the request information.

4. The settlement processing method of claim 1, the operation of obtaining the feedback result of the request information based on the merchant type, comprising: sending the request information and the merchant type to a service platform to assign the request information to a service party corresponding to the merchant type for feedback processing of the request information; obtaining the feedback result obtained by the feedback processing returned by the service platform.

5. The settlement processing method of claim 1, after the operation of obtaining the feedback result of the request information based on the merchant type is executed, further comprising: if confirmation information of the institution member for the feedback result is not detected, synchronizing a resource return instruction carrying a specific resource amount to the payment platform to perform resource return from the intermediate account to the institution account based on specific resources.

6. The settlement processing method of claim 1, the resource transfer being performed according to a to-be-paid amount recorded in the to-be-paid catering order. The settlement processing is based on the intermediate account and a merchant account identifier recorded in the payment catering order.

7. A settlement processing method applied to a payment platform, the method comprising: obtaining a to-be-paid catering order of a member of an organization platform in a merchant's offline store; the to-be-paid catering order is sent based on jump data containing an organization account identifier carried after jumping from an organization code service to a catering service; for the to-be-paid catering order, resource transfer is performed from the organization account bound by the organization code to an intermediate account of the merchant; the intermediate account is managed by the payment platform; in response to a settlement instruction sent by the organization code platform, payment resources obtained after the resource transfer in the intermediate account are transferred to a merchant account; wherein the settlement instruction is sent after detecting an approval feedback result of the member of the organization and submitting confirmation information for the feedback result; the feedback result is obtained according to a merchant type determined by merchant information carried in an objection request submitted by the merchant for the request information in the case where the response type of the request information is a second response type; the second response type is determined based on the objection request; the request information is submitted in the case where the member of the organization has an objection to the dish information in the payment catering order.

8. The settlement processing method of claim 7, further comprising, after the step of performing resource transfer from the organization account bound by the organization code to the intermediate account of the merchant for the to-be-paid catering order: receiving a resource return instruction sent by the organization code platform, carrying a specific resource amount; based on the specific resource corresponding to the specific resource amount, performing resource return from the intermediate account to the organization account.

9. A settlement processing device running on an organization code platform, the device comprising: an order obtaining module configured to obtain a to-be-paid catering order of a member of an organization in a merchant's offline store; the to-be-paid catering order is submitted based on jump data containing an organization account identifier carried after jumping from an organization code service to a catering service; an order sending module configured to send the to-be-paid catering order to a payment platform to perform resource transfer from the organization account bound by the organization code to an intermediate account of the merchant for the to-be-paid catering order; the intermediate account is managed by the payment platform; a settlement condition detection module configured to detect whether a settlement condition of delayed resource settlement from the intermediate account to the merchant is triggered; the settlement condition includes that the member of the organization submits confirmation information for a payment catering order within a delay period. If not, a settlement instruction sending module is run, the settlement instruction sending module is configured to acquire request information submitted by the organization member in case of objection to the dish information in the payment catering order, determine the response type of the merchant to the request information, if the response type is a second response type, determine the merchant type according to the merchant information carried in the objection request submitted by the merchant to the request information, and acquire the feedback result of the request information based on the merchant type, and after detecting that the organization member acknowledges the feedback result and submits confirmation information to the feedback result, synchronize settlement instructions to the payment platform to transfer payment resources from the intermediate account to the merchant account; The second response type is determined based on the objection request.

10. A settlement processing device running on a payment platform, the device comprising: an order acquisition module configured to acquire a to-be-paid catering order of an organization member consuming in a merchant's offline store sent by an organization code platform; The to-be-paid catering order is sent based on jump data containing an organization account identifier carried after jumping from an organization code service to a catering service; a resource transfer module configured to transfer resources from the organization account bound by the organization code to an intermediate account of the merchant for the to-be-paid catering order; the intermediate account is managed by the payment platform; a settlement processing module configured to transfer resources to a merchant account based on payment resources obtained after the resource transfer in the intermediate account in response to a settlement instruction sent by the organization code platform; The settlement instruction is sent after detecting that the organization member acknowledges the feedback result and submits confirmation information to the feedback result; The feedback result is obtained according to the merchant type determined based on the merchant information carried in the objection request submitted by the merchant to the request information in case of a second response type of the response type of the request information; the second response type is determined based on the objection request; the request information is submitted in case of objection to the dish information in the payment catering order by the organization member.

11. A settlement processing device comprising: a processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: acquire a to-be-paid catering order of an organization member consuming in a merchant's offline store; the to-be-paid catering order is submitted based on jump data containing an organization account identifier carried after jumping from an organization code service to a catering service; send the to-be-paid catering order to a payment platform to transfer resources from the organization account bound by the organization code to an intermediate account of the merchant for the to-be-paid catering order; the intermediate account is managed by the payment platform; detect whether a settlement condition of delayed resource settlement from the intermediate account to the merchant is triggered; the settlement condition includes that the organization member submits confirmation information to the payment catering order within a delay period; If not, obtain the request information submitted by the institution member in case of objection to the dish information in the paid catering order, determine the response type of the merchant to the request information, if the response type is a second response type, determine the merchant type according to the merchant information carried in the objection request submitted by the merchant to the request information, and obtain the feedback result of the request information based on the merchant type, and after detecting that the institution member acknowledges the feedback result and submits the confirmation information to the feedback result, synchronize the settlement instruction to the payment platform to transfer the payment resource from the intermediate account to the merchant account; The second response type is determined based on the objection request.

12. A settlement processing device, comprising: a processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: obtain a paid catering order of an institution member consuming at a merchant's offline store sent by an institution code platform; the paid catering order is sent based on jump data containing an institution account identifier carried after jumping from an institution code service to a catering service; perform resource transfer from the institution account bound by the institution code to an intermediate account of the merchant for the paid catering order; the intermediate account is managed by a payment platform; in response to a settlement instruction sent by the institution code platform, transfer payment resources obtained after the resource transfer in the intermediate account to a merchant account; wherein the settlement instruction is sent after detecting that the institution member acknowledges the feedback result and submits the confirmation information to the feedback result; The feedback result is obtained according to the merchant type determined by the merchant information carried in the objection request submitted by the merchant to the request information in case of a second response type of the response type of the request information; the second response type is determined based on the objection request; the request information is submitted in case of objection to the dish information in the paid catering order by the institution member.

13. A storage medium for storing computer executable instructions, the computer executable instructions being executed by a processor to implement the following processes: obtain a paid catering order of an institution member consuming at a merchant's offline store; the paid catering order is submitted based on jump data containing an institution account identifier carried after jumping from an institution code service to a catering service; send the paid catering order to a payment platform to perform resource transfer from the institution account bound by the institution code to an intermediate account of the merchant for the paid catering order; the intermediate account is managed by the payment platform; detect whether a settlement condition of delayed resource settlement from the intermediate account to the merchant is triggered; the settlement condition includes submitting confirmation information of the paid catering order by the institution member within a delay period; If not, obtain the request information submitted by the institution member in case of objection to the dish information in the paid catering order, determine the response type of the merchant to the request information, if the response type is a second response type, determine the merchant type according to the merchant information carried in the objection request submitted by the merchant to the request information, and obtain the feedback result of the request information based on the merchant type, and after detecting that the institution member acknowledges the feedback result and submits confirmation information for the feedback result, synchronize the settlement instruction to the payment platform to transfer the payment resource from the intermediate account to the merchant account; The second response type is determined based on the objection request.

14. A storage medium for storing computer executable instructions, the computer executable instructions, when executed by a processor, implement the following processes: Obtain the institution code platform sending the institution member in the merchant's offline store consumption of the pending payment catering order; The pending payment catering order is sent based on the jump data containing the institution account identifier carried after jumping from the institution code service to the catering service; Resource transfer from the institution account bound by the institution code to the intermediate account of the merchant for the pending payment catering order; The intermediate account is managed by the payment platform; In response to the settlement instruction sent by the institution code platform, transfer the payment resource obtained after the resource transfer in the intermediate account to the merchant account; Wherein, the settlement instruction is sent after detecting that the institution member acknowledges the feedback result and submits confirmation information for the feedback result; The feedback result is obtained according to the merchant type determined by the merchant information carried in the objection request submitted by the merchant to the request information in case of objection to the dish information in the paid catering order; The second response type is determined based on the objection request; The request information is submitted in case of objection to the dish information in the paid catering order.

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