Payment method and apparatus for enterprise users

Abstract

The embodiment of the specification provides a payment method and device of an enterprise user. The method comprises the following steps: an electronic payment platform receives a payment request for a first order sent by a transaction platform, the first order involves a first enterprise as a buyer and a second enterprise as a seller; determining a list of available payment modes according to at least one item of information in the first order; when the list of available payment modes includes both a first mode and a second mode, paying for the first order by using a combined payment link, wherein the first mode requires a buyer bank to access the electronic payment platform, and the second mode requires the second enterprise to register an electronic register book at a cooperative bank of the electronic payment platform and associate the second enterprise to a seller bank; the combined payment link comprises pushing the first order to the buyer bank and making transaction funds transferred from the buyer bank to the seller bank through the electronic register book. The high availability, convenience and safety of the fund transaction business of the buyer and the seller can be realized.

Description

Technical Field

[0001] This specification relates to one or more embodiments in the field of computers, and more particularly to payment methods and apparatus for enterprise users. Background Technology

[0002] When enterprise users make purchases on trading platforms, the information flow of online orders is disconnected from the cash flow of offline payments, creating difficulties for accounting and auditing. Furthermore, regardless of whether payment is made after delivery or after payment is made, both buyers and sellers have concerns about financial risks associated with offline payments.

[0003] Currently, enterprise payment solutions, through a single payment model, link enterprise transaction background information with payment fund information online, eliminating the uncertainties caused by offline information exchange and manual data entry between procurement and finance departments, and meeting the compliance and security requirements of enterprise financial expenditures. However, due to the single payment model and lack of flexibility, business availability is low.

[0004] Therefore, we hope to find an improved solution that can achieve high availability, convenience, and security in fund transactions between buyers and sellers. Summary of the Invention

[0005] This specification describes one or more embodiments of a payment method and apparatus for enterprise users, which enables high availability of fund transactions between buyers and sellers, as well as convenient and secure fund transactions.

[0006] Firstly, a payment method for enterprise users is provided, which is executed by an electronic payment platform and includes:

[0007] Receive a payment request from the trading platform for the first order, in which the buyer is the first company and the seller is the second company;

[0008] Based on at least one piece of information in the first order, determine the list of available payment modes corresponding to the first order;

[0009] When the list of available payment modes includes both the first mode and the second mode, a combined payment link is used to pay the first order. The first mode requires the buyer's bank to access the electronic payment platform, and the second mode requires the second enterprise to register an electronic register with the partner bank of the electronic payment platform and associate it with the seller's bank. The combined payment link includes pushing the first order to the buyer's bank and transferring the transaction funds from the buyer's bank to the seller's bank via the electronic register.

[0010] In one possible implementation, determining the list of available payment modes corresponding to the first order based on at least one piece of information in the first order includes:

[0011] The buyer's bank and the seller's bank are determined based on the transaction time, buyer, seller, or transaction platform in the first order;

[0012] The list of available payment methods is determined based on the buyer's bank and the seller's bank.

[0013] Further, determining the buyer's bank and the seller's bank based on the transaction time, buyer, seller, or transaction platform in the first order includes:

[0014] Based on the transaction time, buyer, seller, or transaction platform in the first order, it is matched with several pre-configured channel decision rules;

[0015] The buyer's bank and the seller's bank are determined based on the decision rule that at least one channel has been successfully matched.

[0016] Further, determining the buyer's bank and the seller's bank based on the transaction time, buyer, seller, or transaction platform in the first order includes:

[0017] Based on the transaction time, buyer, seller, or transaction platform in the first order, it is matched with several pre-configured channel decision rules;

[0018] Based on the decision rule of at least one successfully matched channel, determine the list of available payment lines and / or the list of available collection lines corresponding to the first order;

[0019] The list of available paying banks and / or the list of available receiving banks are pushed to the transaction platform so that the transaction platform can display them to the buyer;

[0020] The system receives a selection instruction from the buyer, which is used to select one of the available payment banks in the list of available payment banks as the buyer's bank, and / or select one of the available collection banks in the list of available collection banks as the seller's bank.

[0021] Further, pushing the list of available paying banks and / or the list of available receiving banks to the transaction platform includes:

[0022] Based on the transaction time, buyer, seller, or transaction platform in the first order, it is matched with several pre-configured channel sorting rules;

[0023] Based on the sorting rule of at least one successfully matched channel, determine the first sorting of each payment line in the available payment line list and / or the second sorting of each collection line in the available collection line list;

[0024] The list of available paying banks is pushed to the transaction platform according to the first sorting and / or the list of available receiving banks is pushed according to the second sorting.

[0025] Further, determining the list of available payment methods based on the buyer's bank and the seller's bank includes:

[0026] Determine whether the buyer's bank is connected to the electronic payment platform;

[0027] If the determination result is that the connection has been established, then determine whether the buyer's bank is available;

[0028] If the determination result is that the buyer's bank is available, then the list of available payment modes includes the first mode;

[0029] Determine whether the second company has registered the electronic register with the cooperating bank and associated it with the seller's bank;

[0030] If the determination result is yes, then determine whether the seller's bank is available; if it is available, then determine that the list of available payment modes includes the second mode.

[0031] In one possible implementation, the transfer of transaction funds from the buyer's bank to the seller's bank via the electronic register includes:

[0032] Send a creation request to the cooperating bank to open a silent trading account for the first enterprise in the electronic register;

[0033] Receive a deposit notification from the cooperating bank, the deposit notification indicating that the silent trading account has received the transaction funds transferred by the buyer's bank for the first order;

[0034] Upon receiving confirmation of receipt, a payment request is sent to the cooperating bank, instructing it to transfer the transaction funds from the electronic register to the associated seller's bank.

[0035] In one possible implementation, the method further includes:

[0036] When the list of available payment modes includes only the first mode and does not include the second mode, the first payment link corresponding to the first mode is used to pay for the first order. The first payment link enables the transaction funds to be transferred directly from the buyer's bank to the seller's bank.

[0037] Further, the payment of the first order using the first payment link corresponding to the first mode includes:

[0038] The first order is sent to the buyer's bank;

[0039] Upon receiving confirmation of receipt, a payment request is sent to the buyer's bank, instructing it to transfer the transaction funds to the seller's bank.

[0040] In one possible implementation, the method further includes:

[0041] When the list of available payment modes includes only the second mode and does not include the first mode, the second payment link corresponding to the second mode is used to pay for the first order. The second payment link allows the transaction funds to be transferred from the buyer's bank to the seller's bank via an electronic register, but does not push the first order to the buyer's bank.

[0042] Secondly, a payment device for enterprise users is provided, which is installed on an electronic payment platform and includes:

[0043] The receiving unit is used to receive a payment request sent by the trading platform for the first order, wherein the buyer in the first order is a first company and the seller is a second company;

[0044] The determining unit is configured to determine a list of available payment modes corresponding to the first order based on at least one piece of information received by the receiving unit from the first order;

[0045] A payment unit is used to pay the first order using a combined payment link when the list of available payment modes determined by the determining unit includes both the first mode and the second mode. The first mode requires the buyer's bank to access the electronic payment platform, and the second mode requires the second enterprise to register an electronic register with the cooperating bank of the electronic payment platform and associate it with the seller's bank. The combined payment link includes pushing the first order to the buyer's bank and transferring the transaction funds from the buyer's bank to the seller's bank via the electronic register.

[0046] Thirdly, a computer-readable storage medium is provided having a computer program stored thereon, which, when executed in a computer, causes the computer to perform the method of the first aspect.

[0047] Fourthly, a computing device is provided, including a memory and a processor, wherein the memory stores executable code, and the processor executes the executable code to implement the method of the first aspect.

[0048] Using the methods and apparatus provided in the embodiments of this specification, the electronic payment platform first receives a payment request for a first order from a transaction platform, where the buyer in the first order is a first enterprise and the seller is a second enterprise; then, based on at least one piece of information in the first order, it determines a list of available payment modes corresponding to the first order; finally, when the list of available payment modes includes both the first mode and the second mode, a combined payment link is used to pay the first order, wherein the first mode requires the buyer's bank to access the electronic payment platform, and the second mode requires the second enterprise to register an electronic register with the electronic payment platform's cooperating banks and associate it with the seller's bank; the combined payment link includes pushing the first order to the buyer's bank and transferring transaction funds from the buyer's bank to the seller's bank via the electronic register. As can be seen from the above, both the first and second modes in this embodiment of the specification help to link the transaction background information and payment information of enterprise users online, eliminating the uncertainty caused by offline information exchange and manual data entry between procurement and finance, and meeting the compliance and security requirements of enterprise financial expenditures. Furthermore, combining the first and second modes forms a payment and collection model covering all banking channels, and dynamically determines the payment link based on the list of available payment modes corresponding to the first order, achieving high business availability. In summary, this enables high availability of fund transactions between buyers and sellers, as well as convenient and secure fund transactions. Attached Figure Description

[0049] To more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the following description of the embodiments will be briefly introduced. 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.

[0050] Figure 1 This is a schematic diagram illustrating an implementation scenario of one embodiment disclosed in this specification;

[0051] Figure 2 This is a schematic diagram illustrating an implementation scenario of another embodiment disclosed in this specification;

[0052] Figure 3 This is a schematic diagram illustrating an implementation scenario of another embodiment disclosed in this specification;

[0053] Figure 4 This diagram illustrates a payment method flowchart for enterprise users according to one embodiment.

[0054] Figure 5 A schematic diagram illustrating the judgment logic of payment decision capability according to one embodiment is shown;

[0055] Figure 6A schematic block diagram of a payment device for a business user is shown according to one embodiment. Detailed Implementation

[0056] The solution provided in this specification will now be described with reference to the accompanying drawings.

[0057] Figure 1 This is a schematic diagram illustrating an implementation scenario of one embodiment disclosed in this specification. This implementation scenario involves payments made by corporate users, who can use a single direct-connection corporate online banking push payment mode. (Refer to...) Figure 1 In this transaction, both the buyer and seller are enterprises, with the buyer being a corporate user rather than an individual user. The trading platform is responsible for receiving the buyer's order requests and sending payment requests to the funding platform, which is responsible for executing online banking order placement and payment requests. In this embodiment, the funding platform is also referred to as an electronic payment platform. During corporate payments on the trading platform, discrepancies often arise between order flow and cash flow, causing significant challenges for accounting and compliance. Solving this through corporate online banking order placement requires the funding platform to connect to hundreds of banks to fully cover all payer account requests. However, in practice, it's difficult for a funding platform to connect to hundreds of banks and cover all buyer payment bank accounts. This inevitably leads to situations where some buyers place orders online but pay offline, resulting in inconsistencies in financial statements, insufficient convenience, and low usability of the transaction between buyers and sellers.

[0058] Typically, fund transfers include two types: instant transfers and escrow transactions.

[0059] Instant payment: The requester submits a payment request once, completing the exchange of funds from the payer's account to the payee's account.

[0060] Escrow transactions involve multiple interactions between the requester and the payment service provider. During the payment application phase, funds in the payer's account are frozen or transferred to an escrow account. When the actual business process reaches the point where payment needs to be made to the payee, the requester calls the payment request interface to unfreeze the payer's funds or transfer them from the escrow account to the payee's account. When the actual business process does not require payment to the payee, the requester calls the pre-authorization revocation interface to unfreeze the payer's funds or transfer them from the escrow account.

[0061] Request for payment: In the context of escrow transactions, the second stage involves the unfreezing of the payer's funds or their transfer from the escrow account to the payee's account.

[0062] The embodiments in this specification can use escrow transactions to ensure the security of fund transactions.

[0063] Figure 2This is a schematic diagram illustrating an implementation scenario of another embodiment disclosed in this specification. This implementation scenario involves payments made by enterprise users, who can use a single payment collection method. (Refer to...) Figure 2 In this transaction, both the buyer and seller are enterprises, with the buyer being a corporate user rather than an individual. The trading platform receives order requests from the buyer and sends payment requests to the funding platform, which then processes the payments. In this embodiment, the funding platform is also referred to as an electronic payment platform. During corporate payments on the trading platform, discrepancies often arise between order flow and cash flow, causing significant challenges for accounting and compliance. A "receive-to-deposit" model addresses this by allowing the seller to create a special-purpose electronic register with the electronic payment platform's partner bank for receiving payments, resolving compliance issues on both the receiving and payment sides and ensuring the security of fund transactions. However, this model requires collecting substantial documentation from the seller, and opening an online electronic register is cumbersome. Sellers may not register for an electronic register, resulting in insufficient convenience for them and low usability for both buyer and seller fund transactions.

[0064] Incoming funds refer to the act of a bank account proactively notifying the platform of the amount received and related information after receiving funds.

[0065] Electronic register, also known as customer register or funds register: a sub-account provided by a bank, linked to a main account and associated with the commercial bank's corporate settlement account, to provide funds clearing and settlement services.

[0066] Silent Account: An account that needs to be processed before each seller's customer register is credited. The account name is also the seller's company name, but it is opened for each buyer in a transaction. The account name on the payment receipt printed by the buyer is the account name of the silent account.

[0067] Main account: A margin account opened by a bank operating entity.

[0068] Customer settlement account: corporate basic account or general account, with no restrictions on the type of bank.

[0069] In the embodiments described in this specification, corresponding silent accounts can be set up for both the buyer and seller, referred to as buyer-seller silent accounts.

[0070] Figure 3 This is a schematic diagram illustrating another implementation scenario disclosed in this specification. This scenario involves payments made by enterprise users, which can combine the aforementioned online banking push payment mode and direct deposit payment mode. (Refer to...) Figure 3In this embodiment, both the buyer and seller are enterprises, with the buyer being a corporate user rather than an individual user. The transaction platform is responsible for receiving the buyer's order requests and sending payment requests to the funding platform. The payment decision platform is responsible for payment routing decisions, and the funding platform is responsible for executing payment requests and other processing. In this embodiment, the funding platform is also called an electronic payment platform, and the payment decision platform can be integrated into the electronic payment platform. In the process of corporate payments on the transaction platform, the order flow and the fund flow often do not match, causing many problems for accounting and compliance. This embodiment combines two payment modes to meet both the buyer's need for convenient payment and the seller's need for secure fund receipt. By introducing payment decision-making capabilities, it determines the available payment mode, providing financial convenience for the buyer while supporting compliance and fund security for both parties, resulting in high availability of fund transactions for both buyers and sellers.

[0071] It should be noted that the embodiments in this specification involve various participants, including a transaction platform, an electronic payment platform, a buyer's bank, and a seller's bank. Each participant can be implemented as any device, platform, server, or device cluster with computing and processing capabilities. Through the interaction and processing between the parties, the buyer's payment for the order is realized.

[0072] Figure 4 This diagram illustrates a payment method flowchart for enterprise users according to one embodiment, which can be based on... Figures 1 to 3 The implementation scenario shown is where this method is executed by an electronic payment platform. For example... Figure 4 As shown, the payment method for enterprise users in this embodiment includes the following steps: Step 41, receiving a payment request for a first order sent by the transaction platform, wherein the buyer in the first order is a first enterprise and the seller is a second enterprise; Step 42, determining a list of available payment modes corresponding to the first order based on at least one piece of information in the first order; Step 43, when the list of available payment modes includes both the first mode and the second mode, using a combined payment link to pay the first order, wherein the first mode requires the buyer's bank to access the electronic payment platform, and the second mode requires the second enterprise to register an electronic register with the cooperating banks of the electronic payment platform and associate it with the seller's bank; the combined payment link includes pushing the first order to the buyer's bank and transferring transaction funds from the buyer's bank to the seller's bank via the electronic register. The specific execution methods of the above steps are described below.

[0073] First, in step 41, a payment request for the first order is received from the trading platform. The buyer in the first order is the first company, and the seller is the second company. It can be understood that the buyer first places an order for the first order on the trading platform, and then submits the payment to the electronic payment platform through the trading platform; that is, the trading platform sends a payment request for the first order to the electronic payment platform.

[0074] For example, step 41 can correspond to Figure 1 2. Submit payment, or Figure 2 Submit payment in step 6, or... Figure 3 Submit payment in step 6.

[0075] Then, in step 42, a list of available payment methods corresponding to the first order is determined based on at least one piece of information from the first order. It is understood that the first order typically contains multiple pieces of information, such as transaction time, buyer, seller, or transaction platform.

[0076] In one example, determining the list of available payment modes corresponding to the first order based on at least one piece of information in the first order includes:

[0077] The buyer's bank and the seller's bank are determined based on the transaction time, buyer, seller, or transaction platform in the first order;

[0078] The list of available payment methods is determined based on the buyer's bank and the seller's bank.

[0079] Further, determining the buyer's bank and the seller's bank based on the transaction time, buyer, seller, or transaction platform in the first order includes:

[0080] Based on the transaction time, buyer, seller, or transaction platform in the first order, it is matched with several pre-configured channel decision rules;

[0081] The buyer's bank and the seller's bank are determined based on the decision rule that at least one channel has been successfully matched.

[0082] Further, determining the buyer's bank and the seller's bank based on the transaction time, buyer, seller, or transaction platform in the first order includes:

[0083] Based on the transaction time, buyer, seller, or transaction platform in the first order, it is matched with several pre-configured channel decision rules;

[0084] Based on the decision rule of at least one successfully matched channel, determine the list of available payment lines and / or the list of available collection lines corresponding to the first order;

[0085] The list of available paying banks and / or the list of available receiving banks are pushed to the transaction platform so that the transaction platform can display them to the buyer;

[0086] The system receives a selection instruction from the buyer, which is used to select one of the available payment banks in the list of available payment banks as the buyer's bank, and / or select one of the available collection banks in the list of available collection banks as the seller's bank.

[0087] Further, pushing the list of available paying banks and / or the list of available receiving banks to the transaction platform includes:

[0088] Based on the transaction time, buyer, seller, or transaction platform in the first order, it is matched with several pre-configured channel sorting rules;

[0089] Based on the sorting rule of at least one successfully matched channel, determine the first sorting of each payment line in the available payment line list and / or the second sorting of each collection line in the available collection line list;

[0090] The list of available paying banks is pushed to the transaction platform according to the first sorting and / or the list of available receiving banks is pushed according to the second sorting.

[0091] Further, determining the list of available payment methods based on the buyer's bank and the seller's bank includes:

[0092] Determine whether the buyer's bank is connected to the electronic payment platform;

[0093] If the determination result is that the connection has been established, then determine whether the buyer's bank is available;

[0094] If the determination result is that the buyer's bank is available, then the list of available payment modes includes the first mode;

[0095] Determine whether the second company has registered the electronic register with the cooperating bank and associated it with the seller's bank;

[0096] If the determination result is yes, then determine whether the seller's bank is available; if it is available, then determine that the list of available payment modes includes the second mode.

[0097] Understandably, determining the list of available payment methods is essentially an assessment of payment decision-making ability.

[0098] Figure 5 This diagram illustrates the judgment logic for payment decision-making capability according to one embodiment. (Refer to...) Figure 5By introducing payment decision-making capabilities, based on factors such as whether the paying bank is an access bank, its availability, whether the payee has activated its funds register, and the availability of the payee bank, the system determines the available funding model. This provides financial convenience for the buyer while also supporting compliance and fund security for both buyers and sellers, achieving high availability for corporate fund transactions. In essence, the paying bank is the bank that transfers funds when the buyer makes payment for an order, while the payee (the seller) is the bank that transfers funds when the seller receives payment for an order. Furthermore, the conditions considered when deciding on the available funding model may also include the availability of partner banks.

[0099] Finally, in step 43, when the list of available payment modes includes both the first mode and the second mode, a combined payment link is used to pay the first order. The first mode requires the buyer's bank to access the electronic payment platform, and the second mode requires the second enterprise to register an electronic register with a partner bank on the electronic payment platform and associate it with the seller's bank. The combined payment link includes pushing the first order to the buyer's bank and transferring transaction funds from the buyer's bank to the seller's bank via the electronic register. It can be understood that the first mode corresponds to the aforementioned online banking order push mode, the second mode corresponds to the aforementioned incoming payment mode, and the combined payment link can correspond to... Figure 3 The implementation scenario is shown.

[0100] In this embodiment of the specification, when the list of available payment modes includes both a first mode and a second mode, three payment modes can be supported: the first mode, the second mode, and a combined mode. It can be understood that the combined mode is a combination of the first mode and the second mode. The first mode corresponds to the first payment link, the second mode corresponds to the second payment link, and the combined mode corresponds to the combined payment link. Optionally, the combined payment link can be used by default to pay for the first order; or, the three payment modes or three payment links can be displayed to the user, allowing the user to choose the specific payment link to use for the first order. The combined payment link is more conducive to convenient and secure fund transactions. When displaying the three payment modes or three payment links, the combined mode or combined payment link can be highlighted to recommend the user to choose it. The highlighting method may include, but is not limited to, placing it at the top of the list.

[0101] In one example, the transfer of transaction funds from the buyer's bank to the seller's bank via the electronic register includes:

[0102] Send a creation request to the cooperating bank to open a silent trading account for the first enterprise in the electronic register;

[0103] Receive a deposit notification from the cooperating bank, the deposit notification indicating that the silent trading account has received the transaction funds transferred by the buyer's bank for the first order;

[0104] Upon receiving confirmation of receipt, a payment request is sent to the cooperating bank, instructing it to transfer the transaction funds from the electronic register to the associated seller's bank.

[0105] In one example, the method further includes:

[0106] When the list of available payment modes includes only the first mode and does not include the second mode, the first payment link corresponding to the first mode is used to pay for the first order. The first payment link enables the transaction funds to be transferred directly from the buyer's bank to the seller's bank.

[0107] In this example, the first payment link can correspond to Figure 1 The implementation scenario is shown.

[0108] Further, the payment of the first order using the first payment link corresponding to the first mode includes:

[0109] The first order is sent to the buyer's bank;

[0110] Upon receiving confirmation of receipt, a payment request is sent to the buyer's bank, instructing it to transfer the transaction funds to the seller's bank.

[0111] In one example, the method further includes:

[0112] When the list of available payment modes includes only the second mode and does not include the first mode, the second payment link corresponding to the second mode is used to pay for the first order. The second payment link allows the transaction funds to be transferred from the buyer's bank to the seller's bank via an electronic register, but does not push the first order to the buyer's bank.

[0113] In this example, the second payment link can correspond to Figure 2 The implementation scenario is shown.

[0114] The method provided in this specification's embodiments involves an electronic payment platform first receiving a payment request from a transaction platform for a first order, where the buyer in the first order is a first enterprise and the seller is a second enterprise. Then, based on at least one piece of information in the first order, a list of available payment modes corresponding to the first order is determined. Finally, when the list of available payment modes includes both the first and second modes, a combined payment link is used to pay the first order. The first mode requires the buyer's bank to access the electronic payment platform, while the second mode requires the second enterprise to register an electronic register with a partner bank on the electronic payment platform and associate it with the seller's bank. The combined payment link includes pushing the first order to the buyer's bank and transferring transaction funds from the buyer's bank to the seller's bank via the electronic register. As can be seen from the above, in this specification's embodiments, both the first and second modes help to online link enterprise users' transaction background information with payment information, eliminating the uncertainty caused by offline information exchange and manual entry between procurement and finance departments, and meeting the compliance and security requirements of enterprise financial expenditures. Simultaneously, combining the first and second modes forms a payment and collection model covering all banking channels, and dynamically determining the payment link based on the determined list of available payment modes corresponding to the first order achieves high business availability. In summary, it enables high availability of fund transactions for both buyers and sellers, as well as convenient and secure fund transactions.

[0115] According to another embodiment, a payment device for enterprise users is also provided, which is installed on an electronic payment platform and is used to execute the present specification. Figure 4 The method provided in the illustrated embodiment. Figure 6 A schematic block diagram of a payment device for a business user is shown according to one embodiment. Figure 6 As shown, the device 600 includes:

[0116] The receiving unit 61 is used to receive a payment request sent by the trading platform for the first order, wherein the buyer in the first order is the first enterprise and the seller is the second enterprise;

[0117] The determining unit 62 is configured to determine a list of available payment modes corresponding to the first order based on at least one piece of information in the first order received by the receiving unit 61;

[0118] The first payment unit 63 is used to pay the first order using a combined payment link when the list of available payment modes determined by the determining unit 62 includes both the first mode and the second mode. The first mode requires the buyer's bank to access the electronic payment platform, and the second mode requires the second enterprise to register an electronic register with the cooperating bank of the electronic payment platform and associate it with the seller's bank. The combined payment link includes pushing the first order to the buyer's bank and transferring the transaction funds from the buyer's bank to the seller's bank via the electronic register.

[0119] Optionally, as an embodiment, the determining unit 62 includes:

[0120] The first determining subunit is used to determine the buyer's bank and the seller's bank based on the transaction time, buyer, seller, or transaction platform in the first order;

[0121] The second determining subunit is used to determine the list of available payment modes based on the buyer's bank and seller's bank determined by the first determining subunit.

[0122] Further, the first determining subunit includes:

[0123] The first matching module is used to match the transaction time, buyer, seller or transaction platform in the first order with several pre-configured channel decision rules;

[0124] The first determination module is used to determine the buyer's bank and the seller's bank based on the decision rule of at least one channel that has been successfully matched by the first matching module.

[0125] Further, the first determining subunit includes:

[0126] The second matching module is used to match the transaction time, buyer, seller or transaction platform in the first order with several pre-configured channel decision rules;

[0127] The second determining module is used to determine the list of available payment lines and / or the list of available collection lines corresponding to the first order based on at least one channel decision rule successfully matched by the second matching module.

[0128] The sending module is used to push the list of available paying banks and / or the list of available receiving banks determined by the second determining module to the transaction platform so that the transaction platform can display it to the buyer;

[0129] The receiving module is used to receive a selection instruction sent by the buyer, the selection instruction being used to select one of the paying banks in the list of available paying banks as the buyer's bank, and / or select one of the receiving banks in the list of available receiving banks as the seller's bank.

[0130] Further, the sending module is specifically used to match the transaction time, buyer, seller, or transaction platform in the first order with a number of pre-configured channel sorting rules; determine the first sorting of each payment bank in the available payment bank list and / or the second sorting of each payment bank in the available payment bank list according to at least one successfully matched channel sorting rule; and push the available payment bank list to the transaction platform according to the first sorting and / or the available payment bank list according to the second sorting.

[0131] Further, the second determining subunit includes:

[0132] The first judgment module is used to determine whether the buyer's bank is connected to the electronic payment platform;

[0133] The second judgment module is used to determine whether the buyer's bank is available if the judgment result of the first judgment module is that it has been connected.

[0134] The third determining module is used to determine that the list of available payment modes includes the first mode if the determination result of the second determining module is that the buyer's bank is available;

[0135] The third judgment module is used to determine whether the second enterprise has registered the electronic register with the cooperating bank and associated it with the seller's bank;

[0136] The fourth judgment module is used to determine whether the seller's bank is available if the judgment result of the third judgment module is yes.

[0137] The fourth determining module is used to determine that the list of available payment modes includes the second mode if the determination result of the fourth determining module is available.

[0138] In one example, the first payment unit 63 includes:

[0139] A sending subunit is used to send a creation request to the cooperating bank, so that it can open a silent trading account for the first enterprise in the electronic register.

[0140] The receiving subunit is used to receive a deposit notification sent by the cooperating bank. The deposit notification is used to indicate that the silent trading account has received the transaction funds transferred by the buyer's bank for the first order.

[0141] The sending subunit is further configured to send a payment request to the cooperating bank after the receiving subunit receives the confirmation of receipt, so that the bank may transfer the transaction funds from the electronic register to the associated seller's bank.

[0142] In one example, the device further includes:

[0143] The second payment unit is used to pay the first order using the first payment link corresponding to the first mode when the list of available payment modes only includes the first mode and does not include the second mode. The first payment link enables the transaction funds to be transferred directly from the buyer's bank to the seller's bank.

[0144] Furthermore, the second payment unit is specifically used to push the first order to the buyer's bank; after receiving the confirmation of receipt, it sends a payment request to the buyer's bank, causing it to transfer the transaction funds to the seller's bank.

[0145] In one example, the device further includes:

[0146] The third payment unit is used to pay the first order using the second payment link corresponding to the second mode when the list of available payment modes only includes the second mode and does not include the first mode. The second payment link allows transaction funds to be transferred from the buyer's bank to the seller's bank via an electronic register, but does not push the first order to the buyer's bank.

[0147] Using the apparatus provided in the embodiments of this specification, the receiving unit 61 of the electronic payment platform first receives a payment request for a first order sent by the transaction platform, wherein the buyer in the first order is a first enterprise and the seller is a second enterprise; then, the determining unit 62 determines a list of available payment modes corresponding to the first order based on at least one piece of information in the first order; finally, when the list of available payment modes includes both the first mode and the second mode, the first payment unit 63 uses a combined payment link to pay the first order, wherein the first mode requires the buyer's bank to access the electronic payment platform, and the second mode requires the second enterprise to register an electronic register with the cooperating banks of the electronic payment platform and associate it with the seller's bank; the combined payment link includes pushing the first order to the buyer's bank and transferring the transaction funds from the buyer's bank to the seller's bank via the electronic register. As can be seen from the above, both the first and second modes in this embodiment of the specification help to link the transaction background information and payment information of enterprise users online, eliminating the uncertainty caused by offline information exchange and manual data entry between procurement and finance, and meeting the compliance and security requirements of enterprise financial expenditures. Furthermore, combining the first and second modes forms a payment and collection model covering all banking channels, and dynamically determines the payment link based on the list of available payment modes corresponding to the first order, achieving high business availability. In summary, this enables high availability of fund transactions between buyers and sellers, as well as convenient and secure fund transactions.

[0148] According to another embodiment, a computer-readable storage medium is also provided, on which a computer program is stored, which, when executed in a computer, causes the computer to perform a combination Figure 4 The method described.

[0149] According to another embodiment, a computing device is also provided, including a memory and a processor, wherein the memory stores executable code, and when the processor executes the executable code, it implements a combination... Figure 4 The method described.

[0150] Those skilled in the art will recognize that, in one or more of the examples above, the functions described in this invention can be implemented using hardware, software, firmware, or any combination thereof. When implemented in software, these functions can be stored in a computer-readable medium or transmitted as one or more instructions or code on a computer-readable medium.

[0151] The specific embodiments described above further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made on the basis of the technical solution of the present invention should be included within the scope of protection of the present invention.

Claims

1. A payment method for enterprise users, the method being executed by an electronic payment platform, comprising: Receive a payment request from the trading platform for the first order, in which the buyer is the first company and the seller is the second company; Based on at least one piece of information in the first order, determine the list of available payment modes corresponding to the first order; When the list of available payment modes includes both the first mode and the second mode, a combined payment link is used to pay the first order. The first mode requires the buyer's bank to access the electronic payment platform, and the second mode requires the second enterprise to register an electronic register with the cooperating bank of the electronic payment platform and associate it with the seller's bank. The method of using a combined payment chain to pay for the first order specifically includes: Send a silent account creation request to the cooperating bank for the first order, so that the cooperating bank opens a unique buy-sell silent account in the electronic register specifically for this transaction between the first enterprise and the second enterprise; The following two steps are executed in parallel: (a) Push an order instruction containing the first order details to the buyer's bank to trigger the buyer's bank to initiate payment based on the order details; (b) Receive a deposit notification from the cooperating bank, the deposit notification indicating that the transaction funds are deposited into the unique buy / sell silent account; Upon receiving confirmation of receipt, a payment request is sent to the cooperating bank, instructing it to transfer the transaction funds from the sole buyer-seller silent account to the associated seller's bank.

2. The method as described in claim 1, wherein, The step of determining the list of available payment modes corresponding to the first order based on at least one piece of information in the first order includes: The buyer's bank and the seller's bank are determined based on the transaction time, buyer, seller, or transaction platform in the first order; The list of available payment methods is determined based on the buyer's bank and the seller's bank.

3. The method as described in claim 2, wherein, The step of determining the buyer's bank and the seller's bank based on the transaction time, buyer, seller, or transaction platform in the first order includes: Based on the transaction time, buyer, seller, or transaction platform in the first order, it is matched with several pre-configured channel decision rules; The buyer's bank and the seller's bank are determined based on the decision rule that at least one channel has been successfully matched.

4. The method of claim 2, wherein, The step of determining the buyer's bank and the seller's bank based on the transaction time, buyer, seller, or transaction platform in the first order includes: Based on the transaction time, buyer, seller, or transaction platform in the first order, it is matched with several pre-configured channel decision rules; Based on the decision rule of at least one successfully matched channel, determine the list of available payment lines and / or the list of available collection lines corresponding to the first order; The list of available paying banks and / or the list of available receiving banks are pushed to the transaction platform so that the transaction platform can display them to the buyer; The system receives a selection instruction from the buyer, which is used to select one of the available payment banks in the list of available payment banks as the buyer's bank, and / or select one of the available collection banks in the list of available collection banks as the seller's bank.

5. The method of claim 4, wherein, The step of pushing the list of available paying banks and / or the list of available receiving banks to the transaction platform includes: Based on the transaction time, buyer, seller, or transaction platform in the first order, it is matched with several pre-configured channel sorting rules; Based on the sorting rule of at least one successfully matched channel, determine the first sorting of each payment line in the available payment line list and / or the second sorting of each collection line in the available collection line list; The list of available paying banks is pushed to the transaction platform according to the first sorting and / or the list of available receiving banks is pushed according to the second sorting.

6. The method of claim 2, wherein, The step of determining the list of available payment methods based on the buyer's bank and the seller's bank includes: Determine whether the buyer's bank is connected to the electronic payment platform; If the determination result is that the connection has been established, then determine whether the buyer's bank is available; If the determination result is that the buyer's bank is available, then the list of available payment modes includes the first mode; Determine whether the second company has registered the electronic register with the cooperating bank and associated it with the seller's bank; If the determination result is yes, then determine whether the seller's bank is available; if it is available, then determine that the list of available payment modes includes the second mode.

7. The method of claim 1, wherein, The method further includes: When the list of available payment modes includes only the first mode and does not include the second mode, the first payment link corresponding to the first mode is used to pay for the first order. The first payment link enables the transaction funds to be transferred directly from the buyer's bank to the seller's bank.

8. The method of claim 7, wherein, The payment of the first order using the first payment link corresponding to the first mode includes: The first order is sent to the buyer's bank; Upon receiving confirmation of receipt, a payment request is sent to the buyer's bank, instructing it to transfer the transaction funds to the seller's bank.

9. The method of claim 1, wherein, The method further includes: When the list of available payment modes includes only the second mode and does not include the first mode, the second payment link corresponding to the second mode is used to pay for the first order. The second payment link allows the transaction funds to be transferred from the buyer's bank to the seller's bank via an electronic register, but does not push the first order to the buyer's bank.

10. A payment device for an enterprise user, the device being installed on an electronic payment platform, comprising: The receiving unit is used to receive a payment request sent by the trading platform for the first order, wherein the buyer in the first order is the first company and the seller is the second company. The determining unit is configured to determine a list of available payment modes corresponding to the first order based on at least one piece of information received by the receiving unit from the first order; The payment unit is used to pay the first order using a combined payment link when the list of available payment modes determined by the determining unit includes both the first mode and the second mode. The first mode requires the buyer's bank to access the electronic payment platform, and the second mode requires the second enterprise to register an electronic register with the cooperating bank of the electronic payment platform and associate it with the seller's bank. The method of using a combined payment chain to pay for the first order specifically includes: Send a silent account creation request to the cooperating bank for the first order, so that the cooperating bank opens a unique buy-sell silent account in the electronic register specifically for this transaction between the first enterprise and the second enterprise; The following two steps are executed in parallel: (a) Push an order instruction containing the first order details to the buyer's bank to trigger the buyer's bank to initiate payment based on the order details; (b) Receive a deposit notification from the cooperating bank, the deposit notification indicating that the transaction funds are deposited into the unique buy / sell silent account; Upon receiving confirmation of receipt, a payment request is sent to the cooperating bank, instructing it to transfer the transaction funds from the sole buyer-seller silent account to the associated seller's bank.

11. A computer-readable storage medium having a computer program stored thereon, which, when executed in a computer, causes the computer to perform the method of any one of claims 1-9.

12. A computing device comprising a memory and a processor, wherein the memory stores executable code, and the processor, when executing the executable code, implements the method of any one of claims 1-9.

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