Special population-oriented logistics industry preferential settlement method and system

Abstract

This invention discloses a method and system for preferential settlement in the logistics industry targeting specific groups, belonging to the field of government service technology. The technical problem it addresses is how to enable specific groups to enjoy preferential discounts according to the pricing policies promised by designated logistics companies when using preferential certificates and financial accounts to pay for logistics services. The method includes the following steps: First, the specific groups are divided into two categories of preferential recipients through the government's preferential service open platform, and a preferential discount is set for each category. Second, the bank card numbers and identity type information of the preferential recipients are synchronized to the UnionPay industry card platform via the government's preferential service open platform as a whitelist. Third, the successfully confirmed whitelist is pushed to the UnionPay transaction system in real time via the UnionPay industry card platform. Fourth, settlement rules are configured for the preferential recipients through the UnionPay transaction system. Fifth, preferential settlement is performed for the preferential recipients according to the settlement rules, and the preferential information is returned to the government's service open platform.

Description

Technical Field

[0001] This invention relates to the field of government service technology, specifically to a preferential settlement method and system for the logistics industry targeting specific groups. Background Technology

[0002] In today's society, providing preferential logistics services to special groups is a thorny issue for governments at all levels. These special groups constitute a small segment of the population, and their personal information is relatively sensitive. Providing preferential logistics services to this group is a matter of great concern to the government. While the information technology infrastructure for preferential logistics services for the general public is relatively well-developed, issues concerning preferential schemes involving special groups, especially ensuring the security of the preferential process, are vulnerable to data leaks and escalation of public conflicts without robust information technology support. This could negatively impact the government's public image and have adverse social consequences.

[0003] How to ensure that special groups can enjoy preferential discounts according to the pricing policies promised by designated logistics companies when using preferential certificates and financial accounts to pay for logistics services provided by these companies is a technical problem that needs to be solved. Summary of the Invention

[0004] The technical objective of this invention is to address the above-mentioned shortcomings by providing a preferential settlement system for the logistics industry targeting specific groups. This system aims to solve the technical problem of how to enable specific groups to enjoy preferential discounts according to the pricing policies promised by designated logistics companies when using preferential certificates and financial accounts to pay for logistics services.

[0005] In a first aspect, the present invention provides a preferential settlement method for the logistics industry targeting specific groups, applicable to preferential settlement systems including government management department preferential service open platforms, UnionPay industry card platforms, and UnionPay transaction systems. The method includes the following steps:

[0006] The government management department's preferential service open platform divides special groups into two categories of preferential recipients and sets preferential discounts for each category;

[0007] The government management department's preferential service open platform synchronizes the bank card number and identity type information of the preferential recipients to the UnionPay industry card platform as a whitelist, and the UnionPay industry card platform pushes the successfully confirmed whitelist to the UnionPay transaction system in real time.

[0008] Based on the business needs of government management departments and the actual situation of logistics companies, price policies are configured for preferential recipients through the government management department's preferential service open platform, and settlement rules are configured for preferential recipients through the UnionPay transaction system based on the price policies.

[0009] For those who place orders with logistics companies and receive preferential treatment, the preferential settlement will be processed according to the settlement rules, and the preferential information will be returned to the service open platform of the government management department.

[0010] Preferably, the two categories of preferential recipients are classified as Category I preferential recipients and Category II preferential recipients, respectively.

[0011] The whitelist includes serial number, bank card number, registered mobile phone number, personnel number type, personnel number, identity type, administrative division code, and reserved fields;

[0012] The UnionPay industry card platform uses bank card number as the basis to determine the first type of preferential recipients and whitelist as the basis to determine the second type of preferential recipients.

[0013] Preferably, the government management department's preferential service platform periodically synchronizes the bank card numbers and identity type information of preferential recipients to the UnionPay industry card platform via interface or file transfer, including the following steps:

[0014] The government management department's preferential service platform, in accordance with the data file format agreed upon with the UnionPay industry card platform and the agreed time frequency, sends the bank card number and identity type information of the preferential recipients as data files, and sends the data files encrypted with national cryptographic encryption algorithms to the UnionPay industry card platform.

[0015] The UnionPay industry card platform confirms the received data file, updates the confirmed data file to the UnionPay industry card platform, and returns a notification of successful data file acceptance to the government management department's preferential service platform.

[0016] The UnionPay industry card platform will update the data file through the confirmed data file and then push the data file to the UnionPay transaction system in real time.

[0017] After receiving the data file and updating it to the UnionPay transaction system database, the UnionPay transaction system returns a confirmation notification to the UnionPay industry card platform.

[0018] Preferably, the settlement rules include a first settlement rule for orders placed through the logistics company's own channels, a second settlement rule for orders placed through the preferential service platform of the government management department, and a third settlement rule for orders placed through the enterprise's logistics and the preferential service platform of the government management department.

[0019] The first settlement rule is as follows: When a special group places an order through the logistics company's own channel, the logistics company does not verify the identity of the ordering user and initiates a payment order to the UnionPay transaction system at the original price of the order. The UnionPay transaction system determines whether the special group that placed the order is a preferential recipient and the type of identity of the preferential recipient based on the bank card number and whitelist specified in the payment order, and settles the payment according to the corresponding preferential rules.

[0020] The second settlement rule is as follows: special groups place orders through the preferential service platform of the government management department. The logistics company determines the identity type of the preferential recipient according to the authentication method agreed with the government management department and gives a preferential price. The logistics company prompts the user to pay according to the discounted amount, and the user can choose any payment method to pay.

[0021] The third settlement rule is as follows: For logistics companies that simultaneously select the first and second settlement rules, when placing an order with the government management department's preferential service platform, a predetermined terminal number must be transmitted to the UnionPay transaction system. This terminal number is used by the UnionPay transaction system to block the preferential rules for the relevant orders.

[0022] Preferably, the discount information includes the standard price, the amount received, and the discount credit.

[0023] Secondly, the present invention provides a preferential settlement system for the logistics industry targeting specific groups, used to realize logistics industry settlement for specific groups through a preferential settlement method for the logistics industry targeting specific groups as described in any one of the first aspects. The system includes a preferential service open platform of government management departments, a UnionPay industry card platform, and a preferential settlement system of the UnionPay transaction system.

[0024] The government management department's preferential service open platform is used to divide special groups into two categories of preferential recipients and set preferential discounts for each category; it is also used to synchronize the bank card numbers and identity type information of the preferential recipients to the UnionPay industry card platform in a whitelist format;

[0025] Correspondingly, the UnionPay industry card platform is used to push the successfully confirmed whitelist to the UnionPay transaction system in real time;

[0026] The government management department preferential service open platform is used to configure pricing policies for preferential recipients based on the business needs of government management departments and the actual situation of logistics companies.

[0027] Correspondingly, the UnionPay transaction system is used to configure settlement rules for preferential recipients based on the pricing policy;

[0028] For customers who place orders with logistics companies and receive preferential treatment, the UnionPay transaction system is used to settle the preferential treatment according to the settlement rules and return the preferential information to the service open platform of the government management department.

[0029] Preferably, the two categories of preferential recipients are classified as Category I preferential recipients and Category II preferential recipients, respectively.

[0030] The whitelist includes serial number, bank card number, registered mobile phone number, personnel number type, personnel number, identity type, administrative division code, and reserved fields;

[0031] The UnionPay industry card platform is used to determine the first type of preferential recipients based on bank card numbers and the second type of preferential recipients based on a whitelist.

[0032] As a preferred option, the government management department's preferential service platform is used to periodically synchronize the bank card number and identity type information of the preferential recipients to the UnionPay industry card platform via interface or file transfer.

[0033] The government management department's preferential service platform is used to send the bank card number and identity type information of the preferential recipients as data files, and the data files encrypted with national cryptographic encryption algorithms, to the UnionPay industry card platform in accordance with the data file format agreed with the UnionPay industry card platform and the agreed time frequency.

[0034] The UnionPay industry card platform is used to confirm the received data file, update the confirmed data file to the UnionPay industry card platform, and return a notification of successful data file acceptance to the government management department's preferential service platform.

[0035] The UnionPay industry card platform is used to update the confirmed data file to the UnionPay industry card platform and then push the data file to the UnionPay transaction system in real time.

[0036] The UnionPay transaction system is used to receive data files, update the data files to the UnionPay transaction system database, and then return a confirmation notification to the UnionPay industry card platform.

[0037] Preferably, the settlement rules include a first settlement rule for orders placed through the logistics company's own channels, a second settlement rule for orders placed through the preferential service platform of the government management department, and a third settlement rule for orders placed through the enterprise's logistics and the preferential service platform of the government management department.

[0038] The first settlement rule is as follows: When a special group places an order through the logistics company's own channel, the logistics company does not verify the identity of the ordering user and initiates a payment order to the UnionPay transaction system at the original price of the order. The UnionPay transaction system determines whether the special group that placed the order is a preferential recipient and the type of identity of the preferential recipient based on the bank card number and whitelist specified in the payment order, and settles the payment according to the corresponding preferential rules.

[0039] The second settlement rule is as follows: special groups place orders through the preferential service platform of the government management department. The logistics company determines the identity type of the preferential recipient according to the authentication method agreed with the government management department and gives a preferential price. The logistics company prompts the user to pay according to the discounted amount, and the user can choose any payment method to pay.

[0040] The third settlement rule is as follows: For logistics companies that simultaneously select the first and second settlement rules, when placing an order with the government management department's preferential service platform, a predetermined terminal number must be transmitted to the UnionPay transaction system. This terminal number is used by the UnionPay transaction system to block the preferential rules for the relevant orders.

[0041] Preferably, the discount information includes the standard price, the amount received, and the discount credit.

[0042] The preferential settlement method and system for the logistics industry targeting specific groups of people, as described in this invention, have the following advantages:

[0043] 1. It enables special groups to enjoy preferential discounts according to the pricing policies promised by designated logistics companies when using preferential certificates and financial accounts to pay for logistics services. Government management departments provide preferential logistics services to special groups according to different levels and different preferential rules, and can transmit the final preferential result information back to government departments.

[0044] 2. The government management department's preferential service development platform encrypts the whitelist using national cryptographic algorithms. After encryption, the whitelist is sent to the UnionPay industry card platform for identity authentication of special groups, thus realizing a simple, efficient, flexible, and secure unified identity authentication mechanism for business systems of different manufacturers.

[0045] 3. Special groups are divided into two categories of preferential recipients, and preferential discounts are set for each category. The whitelist provided by the government management department's preferential service platform serves as the second category of preferential recipients, thus realizing the classified management of different levels of preferential recipients. Attached Figure Description

[0046] To more clearly illustrate the technical solutions in the embodiments of the present invention, 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 of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0047] The invention will be further described below with reference to the accompanying drawings.

[0048] Figure 1 This is a flowchart of the preferential settlement method for logistics industry targeting special groups in Example 1;

[0049] Figure 2 This is a flowchart of the whitelist synchronization process in the logistics industry preferential settlement method for special groups in Example 1. Detailed Implementation

[0050] The present invention will be further described below with reference to the accompanying drawings and specific embodiments, so that those skilled in the art can better understand and implement the present invention. However, the embodiments are not intended to limit the present invention. In the absence of conflict, the embodiments of the present invention and the technical features in the embodiments can be combined with each other.

[0051] This invention provides a method and system for preferential settlement in the logistics industry for special groups, which solves the technical problem of how to enable special groups to enjoy preferential discounts according to the pricing policies promised by logistics companies when using preferential certificates and financial accounts to pay for logistics services provided by designated logistics companies.

[0052] Example 1:

[0053] This invention provides a preferential settlement method for the logistics industry targeting specific groups. It is applied to preferential settlement systems including government management department preferential service open platforms, UnionPay industry card platforms, and UnionPay transaction systems. The method includes the following steps:

[0054] S100. Through the government management department's preferential service open platform, special groups are divided into two categories of preferential recipients, and preferential discounts are set for each category of preferential recipients;

[0055] The government management department's preferential service open platform synchronizes the bank card number and identity type information of the preferential recipients to the UnionPay industry card platform as a whitelist, and the UnionPay industry card platform pushes the successfully confirmed whitelist to the UnionPay transaction system in real time.

[0056] S200. Based on the business needs of government management departments and the actual situation of logistics enterprises, price policies are configured for preferential recipients through the government management department's preferential service open platform, and settlement rules are configured for preferential recipients through the UnionPay transaction system based on the price policies.

[0057] S300. For those who place orders with logistics companies and receive preferential treatment, the preferential treatment shall be settled according to the settlement rules, and the preferential information shall be returned to the service open platform of the government management department.

[0058] In this embodiment, step S100 is identity authentication. The government management department synchronizes the whitelist of bank card numbers of special groups with UnionPay to enable UnionPay to determine the special groups and preferential categories.

[0059] In this step, special groups are divided into two categories of preferential recipients: Category I and Category II. To provide different types of discounts to different recipients, UnionPay needs the ability to authenticate and determine the identity type of the recipients, which will be achieved through a whitelist synchronization method.

[0060] The government management department's preferential service platform will periodically synchronize the bank card numbers and identity type information of preferential recipients to the UnionPay industry card platform as a whitelist via interface or file transfer (see Table 1 for the whitelist format). The UnionPay industry card platform will determine the first category of preferential recipients based on the bank card number and the second category of preferential recipients based on the whitelist.

[0061] Table 1

[0062]

[0063] In this embodiment, the government management department's preferential service platform periodically synchronizes the bank card numbers and identity type information of preferential recipients to the UnionPay industry card platform as a whitelist, either via interface or file transfer. Whitelist synchronization is periodic (e.g., daily), and can be achieved through either interface or file transfer. If file transfer is used, SFTP encrypted file transfer can be employed. The government management department can periodically store the whitelist in a specific storage area, which UnionPay can then access.

[0064] The management department regularly sends the whitelisted card numbers to a specific storage area of ​​UnionPay via SFTP. File transfer has lower requirements for system integration, but its real-time performance is relatively weaker.

[0065] All external services offered by the government management department's preferential service open platform are based on the open-authorized OAuth2 standard, providing a signature authentication method based on national cryptographic algorithms. This enables a simple, efficient, flexible, and secure unified identity authentication mechanism for business systems from different vendors.

[0066] like Figure 2 As shown, the specific operation is as follows:

[0067] (1) The government management department’s preferential service platform shall send the bank card number and identity type information of the preferential recipient as a data file and the data file encrypted with the national cryptographic encryption algorithm to the UnionPay industry card platform in accordance with the data file format agreed with the UnionPay industry card platform and the agreed time frequency.

[0068] (2) The UnionPay industry card platform confirms the received data file, updates the confirmed data file to the UnionPay industry card platform, and returns a notification of successful data file acceptance to the preferential service platform of the government management department.

[0069] (3) After the UnionPay Industry Card Platform updates the confirmed data file to the UnionPay Industry Card Platform, it will push the data file to the UnionPay Transaction System in real time.

[0070] (4) After the UnionPay transaction system accepts the data file and updates the data file to the UnionPay transaction system database, it returns a confirmation notification to the UnionPay industry card platform.

[0071] In this embodiment, step S200 is the configuration of preferential settlement. UnionPay configures settlement rules for designated merchants based on the preferential card BIN and the special population whitelist, and implements preferential discounts during the payment and settlement process.

[0072] In this step, the preferential settlement scheme is designed according to the business requirements of government management departments and the actual situation of logistics companies. Currently, there are two schemes depending on the ordering channel: one is ordering through the logistics company's channel (with UnionPay participating in the preferential settlement), and the other is ordering through the government management department's preferential service APP (without UnionPay participating in the preferential settlement). Correspondingly, the settlement rules include the first settlement rule for orders placed through the logistics company's own channels, the second settlement rule for orders placed through the government management department's preferential service platform, and the third settlement rule for orders placed through both the company's logistics and the government management department's preferential service platform.

[0073] The first settlement rule is as follows: When a special group places an order through a logistics company's own channel, the logistics company does not verify the identity of the ordering user and initiates a payment order to the UnionPay transaction system at the original order price. The UnionPay transaction system determines whether the special group is eligible for preferential treatment and the type of identity of the eligible user based on the bank card number and whitelist specified in the payment order, and settles the payment according to the corresponding preferential rules. For example, if the logistics company places an order at the original price of 10 yuan for a shipment, and UnionPay determines that the user is a Category 1 eligible user based on the card BIN, then 8.5 yuan will be deducted from the preferential document financial account and 8.5 yuan will be settled to the merchant; if UnionPay determines that the user is a Category 2 eligible user based on the whitelist, then 8 yuan will be deducted from the preferential document financial account and 8 yuan will be settled to the merchant.

[0074] The second settlement rule is as follows: special groups place orders through the preferential service platform of the government management department. The logistics company determines the identity type of the preferential recipient according to the authentication method agreed with the government management department and gives a preferential price. The logistics company prompts the user to pay according to the discounted amount, and the user can choose any payment method to pay.

[0075] Based on this settlement rule, special groups can place orders through the government-managed preferential service app. The logistics company will determine the eligibility of the recipient according to the authentication method agreed upon with the government, and then offer a discounted price. The logistics company will then prompt the user to pay the discounted amount, and the user can choose any payment method. This applies to orders placed through the government-managed preferential service app, with no restrictions on payment accounts, and the preferential settlement method is that the merchant directly offers the discounted price.

[0076] The third settlement rule is as follows: For logistics companies that simultaneously select the first and second settlement rules, when placing an order with the government management department's preferential service platform, a predetermined terminal number must be transmitted to the UnionPay transaction system. This terminal number is used by the UnionPay transaction system to block the preferential rules for the relevant orders.

[0077] The third settlement rule is understood as follows: To avoid duplicate discounts, logistics companies that use both Option 1 and Option 2 must transmit a special terminal number when placing an order with UnionPay for payment orders made through the government's preferential service APP channel. This is so that UnionPay can block the preferential rules for the relevant orders.

[0078] Step S300 involves the execution of the preferential settlement and the feedback of preferential information. Based on the payment information returned by UnionPay online transactions, the merchant reports the transaction results to the preferential service open platform of the government management department.

[0079] In this step, the government management department's preferential service open platform provides merchants with an interface for transmitting preferential information. UnionPay provides merchants with information such as standard price, actual amount received, and preferential amount in the online transaction deduction result notification message. Merchants then transmit the preferential information back in real time through the government management department's preferential service open platform.

[0080] Example 2:

[0081] This invention discloses a preferential settlement system for the logistics industry targeting special groups, comprising a preferential service open platform of government management departments, a UnionPay industry card platform, and a preferential settlement system of the UnionPay transaction system. This system can execute the method disclosed in Example 1 to realize logistics industry settlement for special groups.

[0082] The government management department's preferential service open platform is used to divide special groups into two categories of preferential recipients and set preferential discounts for each category; it is also used to synchronize the bank card numbers and identity type information of the preferential recipients to the UnionPay industry card platform in a whitelist; correspondingly, the UnionPay industry card platform is used to push the successfully confirmed whitelist to the UnionPay transaction system in real time.

[0083] The government management department preferential service open platform is used to configure pricing policies for preferential recipients based on the business needs of government management departments and the actual situation of logistics companies; correspondingly, the UnionPay transaction system is used to configure settlement rules for preferential recipients based on the pricing policies.

[0084] For customers who place orders with logistics companies and receive preferential treatment, the UnionPay transaction system is used to settle the preferential treatment according to the settlement rules and return the preferential information to the service open platform of the government management department.

[0085] On the one hand, the system in this embodiment is used to implement identity authentication, and special groups are divided into two categories of preferential recipients: Category I and Category II. In order to provide different types of discounts to different preferential recipients, UnionPay needs to have the ability to authenticate and judge the identity type of the preferential recipient, which is planned to be achieved through whitelist synchronization.

[0086] The government management department's preferential service platform periodically synchronizes the bank card numbers and identity type information of preferential recipients to the UnionPay industry card platform via interface or file transfer (see Table 1 in Example 1 for the whitelist format). The UnionPay industry card platform determines the first type of preferential recipient based on the bank card number and the second type of preferential recipient based on the whitelist.

[0087] In this embodiment, the government management department's preferential service platform periodically synchronizes the bank card numbers and identity type information of preferential recipients to the UnionPay industry card platform as a whitelist, either via interface or file transfer. Whitelist synchronization is periodic (e.g., daily), and can be achieved through either interface or file transfer. If file transfer is used, SFTP encrypted file transfer can be employed. The government management department can periodically store the whitelist in a specific storage area, which UnionPay can then access, or the government management department can periodically send the whitelist card numbers to UnionPay's specific storage area via SFTP. File transfer has lower system integration requirements but relatively weaker real-time performance.

[0088] All external services offered by the government management department's preferential service open platform are based on the open-authorized OAuth2 standard, providing a signature authentication method based on national cryptographic algorithms. This enables a simple, efficient, flexible, and secure unified identity authentication mechanism for business systems from different vendors.

[0089] The functions of each system during the identity authentication process are as follows:

[0090] (1) The preferential service platform of the government management department is used to send the bank card number and identity type information of the preferential recipient as a data file and the data file encrypted by the national cryptographic encryption algorithm to the UnionPay industry card platform in accordance with the data file format agreed with the UnionPay industry card platform and the agreed time frequency;

[0091] (2) The UnionPay Industry Card Platform is used to confirm the received data file, update the confirmed data file to the UnionPay Industry Card Platform, and return a notification of successful data file acceptance to the preferential service platform of the government management department.

[0092] (3) The UnionPay Industry Card Platform is used to update the confirmed data file to the UnionPay Industry Card Platform and then push the data file to the UnionPay transaction system in real time.

[0093] (4) After receiving the data file and updating the data file to the UnionPay transaction system database, the UnionPay transaction system returns a confirmation notification to the UnionPay industry card platform.

[0094] On the other hand, the system in this embodiment can configure preferential settlement. UnionPay configures settlement rules for designated merchants based on the preferential card BIN and the special population whitelist, and implements preferential discounts during the payment and settlement process.

[0095] The preferential settlement scheme is designed based on the business requirements of government management departments and the actual situation of logistics companies. Currently, there are two schemes depending on the ordering channel: one for orders placed through logistics companies (with UnionPay participating in the preferential settlement) and another for orders placed through the government management department's preferential service APP (without UnionPay participating in the preferential settlement). Correspondingly, the settlement rules include the first settlement rule for orders placed through logistics companies' own channels, the second settlement rule for orders placed through the government management department's preferential service platform, and the third settlement rule for orders placed through both enterprise logistics and the government management department's preferential service platform.

[0096] The first settlement rule is as follows: When a special group places an order through a logistics company's own channel, the logistics company does not verify the identity of the ordering user and initiates a payment order to the UnionPay transaction system at the original order price. The UnionPay transaction system determines whether the special group is eligible for preferential treatment and the type of identity of the eligible user based on the bank card number and whitelist specified in the payment order, and settles the payment according to the corresponding preferential rules. For example, if the logistics company places an order at the original price of 10 yuan for a shipment, and UnionPay determines that the user is a Category 1 eligible user based on the card BIN, then 8.5 yuan will be deducted from the preferential document financial account and 8.5 yuan will be settled to the merchant; if UnionPay determines that the user is a Category 2 eligible user based on the whitelist, then 8 yuan will be deducted from the preferential document financial account and 8 yuan will be settled to the merchant.

[0097] The second settlement rule is as follows: special groups place orders through the preferential service platform of the government management department. The logistics company determines the identity type of the preferential recipient according to the authentication method agreed with the government management department and gives a preferential price. The logistics company prompts the user to pay according to the discounted amount, and the user can choose any payment method to pay.

[0098] Based on this settlement rule, special groups can place orders through the government-managed preferential service app. The logistics company will determine the eligibility of the recipient according to the authentication method agreed upon with the government, and then offer a discounted price. The logistics company will then prompt the user to pay the discounted amount, and the user can choose any payment method. This applies to orders placed through the government-managed preferential service app, with no restrictions on payment accounts, and the preferential settlement method is that the merchant directly offers the discounted price.

[0099] The third settlement rule is as follows: For logistics companies that simultaneously select the first and second settlement rules, when placing an order with the government management department's preferential service platform, a predetermined terminal number must be transmitted to the UnionPay transaction system. This terminal number is used by the UnionPay transaction system to block the preferential rules for the relevant orders.

[0100] The third settlement rule is understood as follows: To avoid duplicate discounts, logistics companies that use both Option 1 and Option 2 must transmit a special terminal number when placing an order with UnionPay for payment orders made through the government's preferential service APP channel. This is so that UnionPay can block the preferential rules for the relevant orders.

[0101] On the other hand, the preferential settlement system in this embodiment can perform preferential settlement and preferential information feedback. Merchants can report the transaction results to the preferential service open platform of the government management department based on the payment information returned by UnionPay online transactions.

[0102] The government management department's preferential service open platform provides merchants with an interface for transmitting preferential information. In the online transaction deduction result notification message, UnionPay provides merchants with information such as standard price, actual amount received, and preferential amount, which merchants then transmit back the preferential information in real time through the government management department's preferential service open platform.

[0103] The present invention has been shown and described in detail above with reference to the accompanying drawings and preferred embodiments. However, the present invention is not limited to these disclosed embodiments. Based on the above embodiments, those skilled in the art will know that more embodiments of the present invention can be obtained by combining the code review methods in the different embodiments. These embodiments are also within the protection scope of the present invention.

Claims

1. A preferential settlement method for logistics industries targeting specific groups, characterized in that, The method, applied to preferential settlement systems including government management department preferential service open platforms, UnionPay industry card platforms, and UnionPay transaction systems, includes the following steps: The government management department's preferential service open platform divides special groups into two categories of preferential recipients, and sets preferential discounts for each category. The two categories of preferential recipients are referred to as Category I and Category II. The government management department's preferential service open platform synchronizes the bank card number and identity type information of the preferential recipients to the UnionPay industry card platform in a whitelist. The UnionPay industry card platform then pushes the successfully confirmed whitelist to the UnionPay transaction system in real time. The whitelist includes serial number, bank card number, reserved mobile phone number, personnel number type, personnel number, identity type, regional code, and reserved fields. The UnionPay industry card platform determines the first type of preferential recipient based on the bank card number and the second type of preferential recipient based on the whitelist. Based on the business needs of government management departments and the actual situation of logistics companies, price policies are configured for preferential recipients through the government management department's preferential service open platform, and settlement rules are configured for preferential recipients through the UnionPay transaction system based on the price policies. For those who place orders with logistics companies and receive preferential treatment, the preferential settlement will be carried out according to the settlement rules, and the preferential information will be returned to the service open platform of the government management department. The preferential information includes the standard price, the amount actually received, and the preferential amount. The government management department's preferential service open platform periodically synchronizes the bank card numbers and identity type information of preferential recipients to the UnionPay industry card platform via interface or file transfer, including the following steps: The government management department's preferential service open platform, in accordance with the data file format agreed upon with the UnionPay industry card platform and the agreed time frequency, sends the bank card number and identity type information of the preferential recipient as a data file, and sends the data file encrypted with the national cryptographic encryption algorithm to the UnionPay industry card platform; The UnionPay industry card platform confirms the received data file, updates the UnionPay industry card platform with the confirmed data file, and returns a notification of successful data file acceptance to the government management department's preferential service open platform. The UnionPay industry card platform will update the data file through the confirmed data file and then push the data file to the UnionPay transaction system in real time. After the UnionPay transaction system receives the data file and updates the data file to the UnionPay transaction system database, it returns a confirmation notification to the UnionPay industry card platform. The settlement rules include a first settlement rule for orders placed through logistics companies' own channels, a second settlement rule for orders placed through government management departments' preferential service open platform channels, and a third settlement rule for orders placed through enterprise logistics and government management departments' preferential service open platform. The first settlement rule is as follows: When a special group places an order through the logistics company's own channel, the logistics company does not verify the identity of the ordering user and initiates a payment order to the UnionPay transaction system at the original price of the order; the UnionPay transaction system determines whether the special group that placed the order is a preferential recipient and the type of identity of the preferential recipient based on the bank card number and whitelist specified in the payment order, and settles the payment according to the corresponding preferential rules. The second settlement rule is as follows: special groups place orders through the government management department's preferential service open platform. The resulting orders are processed by the logistics company according to the authentication method agreed upon with the government management department to determine the identity type of the preferential recipient and to give a preferential price. The logistics company prompts the user to pay according to the discounted amount, and the user can choose any payment method to make the payment. The third settlement rule is as follows: For logistics companies that simultaneously select the first and second settlement rules, when placing an order for a payment order from the government management department's preferential service open platform, a pre-determined terminal number must be transmitted to the UnionPay transaction system. This terminal number is used by the UnionPay transaction system to block preferential rules for the relevant orders.

2. A special population-oriented logistics industry preferential settlement system, characterized in that, The system includes a preferential service open platform for government management departments, a UnionPay industry card platform, and a preferential settlement system for UnionPay transactions. The government management department's preferential service open platform is used to divide special groups into two categories of preferential recipients and set preferential discounts for each category; it is also used to synchronize the bank card numbers and identity type information of the preferential recipients to the UnionPay industry card platform in a whitelist, and the two categories of preferential recipients are respectively Category I preferential recipients and Category II preferential recipients; Correspondingly, the UnionPay industry card platform is used to push the successfully confirmed whitelist to the UnionPay transaction system in real time. The whitelist includes serial number, bank card number, reserved mobile phone number, personnel number type, personnel number, identity type, regional code and reserved fields. The UnionPay industry card platform is used to determine the first type of preferential object based on the bank card number and the second type of preferential object based on the whitelist. The government management department preferential service open platform is used to configure pricing policies for preferential recipients based on the business needs of government management departments and the actual situation of logistics companies. Correspondingly, the UnionPay transaction system is used to configure settlement rules for preferential recipients based on the pricing policy; For customers who place orders with logistics companies, the UnionPay transaction system is used to settle the discounts according to the settlement rules and return the discount information to the service open platform of the government management department. The discount information includes the standard price, the amount received, and the discount amount. The government management department's preferential service open platform is used to periodically synchronize the bank card number and identity type information of the preferential recipients to the UnionPay industry card platform via interface or file transfer. The government management department's preferential service open platform, in accordance with the data file format agreed upon with the UnionPay industry card platform and the agreed time frequency, sends the bank card number and identity type information of the preferential recipient as a data file, and sends the data file encrypted with the national cryptographic encryption algorithm to the UnionPay industry card platform; The UnionPay industry card platform is used to confirm the received data file, update the confirmed data file to the UnionPay industry card platform, and return a notification of successful data file acceptance to the government management department's preferential service open platform. The UnionPay industry card platform is used to update the confirmed data file to the UnionPay industry card platform and then push the data file to the UnionPay transaction system in real time. The UnionPay transaction system is used to receive data files, update the data files to the UnionPay transaction system database, and then return a confirmation notification to the UnionPay industry card platform. The settlement rules include a first settlement rule for orders placed through logistics companies' own channels, a second settlement rule for orders placed through government management departments' preferential service open platform channels, and a third settlement rule for orders placed through enterprise logistics and government management departments' preferential service open platform. The first settlement rule is as follows: When a special group places an order through the logistics company's own channel, the logistics company does not verify the identity of the ordering user and initiates a payment order to the UnionPay transaction system at the original price of the order; the UnionPay transaction system determines whether the special group that placed the order is a preferential recipient and the type of identity of the preferential recipient based on the bank card number and whitelist specified in the payment order, and settles the payment according to the corresponding preferential rules. The second settlement rule is as follows: special groups place orders through the government management department's preferential service open platform. The resulting orders are processed by the logistics company according to the authentication method agreed upon with the government management department to determine the identity type of the preferential recipient and to give a preferential price. The logistics company prompts the user to pay according to the discounted amount, and the user can choose any payment method to make the payment. The third settlement rule is as follows: For logistics companies that simultaneously select the first and second settlement rules, when placing an order for a payment order from the government management department's preferential service open platform, a pre-determined terminal number must be transmitted to the UnionPay transaction system. This terminal number is used by the UnionPay transaction system to block preferential rules for the relevant orders.

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