Multi-user settlement method, system, device and medium based on integrated platform

Abstract

The present invention discloses a multi-user settlement method, system, device and medium based on an integrated platform, and relates to the field of intelligent settlement technology, including: obtaining multiple settlement methods, and obtaining a settlement load curve for each settlement method; setting a settlement load threshold based on the settlement load curve; obtaining the transaction volume and settlement volume of multiple commodities, and obtaining the commodity settlement proportion; setting a real-time settlement method for the commodity based on the commodity settlement proportion of all commodities and the settlement load curves of all settlement methods; the present invention is used to solve the problem that the existing intelligent settlement technology lacks effective improvements for regulating settlement channels, which may lead to the collapse of the payment system when there are many users using the same payment method at the same time, thereby affecting the real-time payment of customers.

Description

Technical Field

[0001] The present invention relates to the field of intelligent settlement technology, and specifically to a multi-user settlement method, system, equipment and medium based on an integrated platform. Background Art

[0002] The intelligent settlement system uses advanced computer technology, Internet of Things technology, visual settlement technology and face recognition technology to integrate the personalized needs of catering settlement and realize a new people-oriented catering experience. Through the intelligent settlement counter, the tray with dishes is placed on the scale for settlement. The display screen will show the number of dishes and the amount of the meal to the dining customers. Customers can use WeChat Alipay scanning, face recognition or campus card or employee card to make self-service settlement. The entire self-service checkout process takes less than two seconds, fully demonstrating the intelligence, humanity and transparency of dining.

[0003] Existing improvements for smart settlement are usually based on the improvement of existing smart settlement counters based on the smart settlement system. For example, in the Chinese patent with application publication number CN105631779A, a smart settlement restaurant system is disclosed. The solution is to order through the touch-screen ordering interactive terminal on the dining table, and transmit the ordering information to the food control terminal. After the meal, customers can choose a variety of payment methods such as QR code payment, NFC payment, iris payment, etc., which reduces the restaurant's manpower and operating costs and improves service efficiency. Other improvements for smart settlement are usually used to improve the accuracy of food scanning and the speed of self-service settlement. When more customers make online payments, there is a lack of effective improvements to adjust the settlement channels. This will lead to the collapse of the payment system when there are many users using the same payment method at the same time, thereby affecting the customer's real-time payment. In view of this, it is necessary to improve the existing smart settlement method. Summary of the invention

[0004] The present invention aims to solve at least one of the technical problems in the prior art to a certain extent.

[0005] A multi-user settlement method, system, device and medium based on an integrated platform are proposed to solve the problem that the existing intelligent settlement technology lacks effective improvement in regulating settlement channels, which may lead to the collapse of the payment system when many users use the same payment method at the same time, thereby affecting the real-time payment of customers.

[0006] To achieve the above objectives, in a first aspect, the present invention provides a multi-user settlement method based on an integrated platform, comprising:

[0007] Acquire multiple settlement methods that can be used for settlement, and acquire a settlement load curve for each settlement method;

[0008] Set settlement load thresholds based on settlement load curves for all settlement methods;

[0009] Obtain the transaction volume and settlement volume of multiple commodities, and obtain the commodity settlement ratio based on the transaction volume and settlement volume of the commodities;

[0010] Set up real-time settlement methods for commodities based on the commodity settlement proportions of all commodities and the settlement load curves of all settlement methods.

[0011] Further, obtaining a plurality of settlement methods that can be used for settlement, and obtaining a settlement load curve for each settlement method includes:

[0012] Acquire multiple settlement methods that can be used for settlement, which are recorded as settlement channel 1 to settlement channel N respectively;

[0013] Get the time when the commodity trading platform uses all settlement channels for settlement during the most recent standard trading hours;

[0014] Divide the standard trading time into M time blocks by standard interval time;

[0015] For any time block, obtain the settlement channel used for settlement of each commodity in the time block, and record it as the block settlement channel of the time block.

[0016] Furthermore, obtaining a plurality of settlement methods that can be used for settlement, and obtaining a settlement load curve for each settlement method also includes:

[0017] Establish a plane rectangular coordinate system and record the plane rectangular coordinate system as a settlement load coordinate system, wherein the X-axis of the settlement load coordinate system is time and the Y-axis is quantity;

[0018] Record the start time corresponding to all time blocks as the block start time, and obtain M block start times of M time blocks;

[0019] In the X-axis of the settlement load coordinate system, the earliest block start time is overlapped with the coordinate origin, and the remaining block start times are marked in sequence in the X-axis;

[0020] For any settlement channel N1 from settlement channel 1 to settlement channel N, the number of times settlement channel N1 is used for settlement within M time blocks is recorded as block number 1 to block number M;

[0021] For any block number M1 from block number 1 to block number M, the point in the settlement load coordinate system is recorded as the standard settlement point M1 of settlement channel N1;

[0022] All standard settlement points of the settlement channel N1 are obtained in the same settlement load coordinate system, and the fitting curves corresponding to all standard settlement points are obtained, which are recorded as the settlement load curve of the settlement channel N1.

[0023] Further, setting the settlement load threshold based on the settlement load curves of all settlement methods includes:

[0024] Obtain all settlement load curves from settlement channel 1 to settlement channel N, recorded as settlement load curve 1 to settlement load curve N;

[0025] For any settlement load curve N2, the point whose X-axis coordinate in the settlement load curve N2 is the block start time is marked in the settlement load curve N2, and the points are recorded as settlement load point N21 to settlement load point N2m in order from small to large based on the value of the block start time;

[0026] Put all the settlement load curves into the same plane rectangular coordinate system, add up the block times of all settlement load points corresponding to the start time of each block, and record it as the total settlement load at the start time of the block;

[0027] Get the maximum value of the total settlement load, recorded as settlement load MAX;

[0028] Get the minimum value of the total settlement load, recorded as settlement load MIN;

[0029] The block starting point corresponding to the settlement load MAX is recorded as the MAX starting point, and the block starting point corresponding to the settlement load MIN is recorded as the MIN starting point;

[0030] For all settlement load points corresponding to any settlement load curve N3, the settlement load point corresponding to the MAX starting point is recorded as the MAX reference point, and the settlement load point corresponding to the MIN starting point is recorded as the MIN reference point;

[0031] The Y-axis coordinate corresponding to the MAX reference point is marked as the MAX reference load, and the Y-axis coordinate corresponding to the MIN reference point is marked as the MIN reference load; Recorded as the first reference percentage of the settlement load curve N3, Recorded as the second reference percentage of the settlement load curve N3, (B1+B2+1)×b5 is recorded as the settlement load threshold of the settlement channel N3 corresponding to the settlement load curve N3, where b1 is the MAX reference load, b2 is the settlement load MAX, b3 is the MIN reference load, b4 is the settlement load MIN, B1 is the first reference percentage, B2 is the second reference percentage, and b5 is the average of all block times corresponding to all settlement load points of the settlement load curve N3;

[0032] Gets the settlement load thresholds for all settlement channels.

[0033] Furthermore, obtaining the transaction volume and settlement volume of multiple commodities, and obtaining the commodity settlement ratio based on the transaction volume and settlement volume of the commodities includes:

[0034] Multiple commodities in the commodity trading platform are recorded as trading commodity 1 to trading commodity Q in sequence;

[0035] For any trading commodity Q1 from trading commodity 1 to trading commodity Q, obtain the transaction volume and settlement volume of trading commodity Q1, where the transaction volume is the number of trading commodity Q1 ordered, and the settlement volume is the number of trading commodity Q1 ordered but not refunded, returned, or exchanged;

[0036] The settlement volume of trading commodity Q1 divided by the transaction volume of trading commodity Q1 is recorded as the commodity settlement ratio of trading commodity Q1.

[0037] Furthermore, setting a real-time settlement method for a commodity based on the commodity settlement proportions of all commodities and the settlement load curves of all settlement methods includes:

[0038] When using the commodity trading platform to trade commodities, the k settlement channels that are used the most times among all settlement channels are opened, and the transaction volume of each trading commodity in the previous standard interval is obtained at each standard interval, which is recorded as real-time transaction volume 1 to real-time transaction volume Q, and the total transaction volume of all trading commodities in the previous standard interval is obtained, which is recorded as real-time total transaction volume, wherein each time a new real-time transaction volume and real-time total transaction volume are obtained, the previous real-time transaction volume and real-time total transaction volume are replaced;

[0039] The real-time total volume corresponding to each time block in the M time blocks is recorded as reference total volume 1 to reference total volume M in sequence, the maximum value of all reference total volumes is recorded as reference total volume MAX, and the average value of all reference total volumes is recorded as reference average volume;

[0040] Put the reference average volume and the reference total trading volume MAX into one coordinate axis, divide the area between the reference average volume and the reference total trading volume MAX in the coordinate axis into three segments evenly, and record the boundaries of each segment from small to large as the first-level trading volume, second-level trading volume, third-level trading volume and fourth-level trading volume, among which the first-level trading volume is the reference average volume and the fourth-level trading volume is the reference total trading volume MAX.

[0041] Furthermore, setting a real-time settlement method for a commodity based on the commodity settlement proportions of all commodities and the settlement load curves of all settlement methods also includes:

[0042] When any real-time total transaction volume obtained is less than or equal to the primary transaction volume, commodity trading will continue;

[0043] When any real-time total transaction volume obtained is greater than the primary transaction volume and less than or equal to the secondary transaction volume, obtain the number of trading commodities whose commodity settlement ratio is less than the standard ratio among all the traded trading commodities corresponding to the real-time total transaction volume, and record it as the large ratio quantity. When the large ratio quantity is greater than the first total transaction percentage of the real-time total transaction volume, open all settlement channels;

[0044] When any real-time total transaction volume obtained is greater than the secondary transaction volume and less than or equal to the tertiary transaction volume, obtain the large proportion quantity corresponding to the real-time total transaction volume. When the large proportion quantity is greater than the first total transaction percentage of the real-time total transaction volume, obtain the number of times all settlement channels are traded within the standard interval corresponding to the real-time total transaction volume at this time. Any settlement channel whose number of transactions is less than or equal to the corresponding settlement load threshold is recorded as a settleable channel. Any settlement channel whose number of transactions is greater than the corresponding settlement load threshold is recorded as a pressure settlement channel. The pressure settlement channel is placed at the bottom of the settlement interface during commodity trading, and push notifications for settleable channels are added to the settlement interface during commodity trading.

[0045] When any real-time total transaction volume obtained is greater than the third-level transaction volume, the large proportion quantity corresponding to the real-time total transaction volume is obtained. When the large proportion quantity is greater than the first total transaction percentage of the real-time total transaction volume and the number of times all settlement channels are traded within the standard interval time corresponding to the real-time total transaction volume is greater than the settlement load threshold corresponding to all settlement channels, a signal of excessive transaction volume is sent to the staff.

[0046] In a second aspect, the present invention also provides a multi-user settlement system based on an integrated platform, including: a curve fitting module, a threshold extraction module, a weight calculation module and a settlement matching module;

[0047] The curve fitting module is used to obtain multiple settlement methods that can be used for settlement, and obtain the settlement load curve of each settlement method;

[0048] The threshold extraction module is used to set the settlement load threshold based on the settlement load curves of all settlement methods;

[0049] The weight calculation module is used to obtain the transaction volume and settlement volume of multiple commodities, and obtain the commodity settlement weight based on the transaction volume and settlement volume of the commodities;

[0050] The settlement matching module is used to set real-time settlement methods for commodities based on the commodity settlement proportions of all commodities and the settlement load curves of all settlement methods.

[0051] In a third aspect, the present invention provides a storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the steps in any of the methods described above are executed.

[0052] In a fourth aspect, the present invention provides an electronic device, characterized in that it includes a processor and a memory, wherein the memory stores computer-readable instructions, and when the computer-readable instructions are executed by the processor, the steps in any of the methods described above are executed.

[0053] Beneficial effects of the present invention: The present invention obtains multiple settlement methods that can be used for settlement, obtains the settlement load curve of each settlement method, and then sets the settlement load threshold based on the settlement load curves of all settlement methods. The advantage of this is that by obtaining the settlement load curve of each settlement method, the historical settlement data of each settlement method can be visualized, which is conducive to the subsequent analysis of each settlement method so as to set the settlement load threshold for each settlement method. By obtaining the settlement load threshold, the optimal settlement quantity of the settlement method can be specified, so that when the real-time settlement quantity of a certain settlement method is greater than its corresponding settlement load threshold, it can be processed in time;

[0054] The present invention also obtains the transaction volume and settlement volume of multiple commodities, obtains the commodity settlement ratio based on the transaction volume and settlement volume of the commodities, and finally sets a real-time settlement method for the commodities based on the commodity settlement ratio of all commodities and the settlement load curve of all settlement methods. The advantage of this is that by setting the commodity settlement ratio of the commodity, it is possible to determine whether more settlement channels are needed based on the real-time transaction volume of the commodity, thereby setting a reasonable settlement method in real time in the subsequent analysis process to prevent the payment system from collapsing during payment.

[0055] Other features and advantages of the present application will be described in the following description, and partly become apparent from the description, or be understood by practicing the present application. The purpose and other advantages of the present application can be realized and obtained by the structures specifically pointed out in the written description, claims, and drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0056] Figure 1 is a functional block diagram of the system of the present invention;

[0057] Figure 2 is a flow chart of the steps of the method of the present invention;

[0058] Figure 3 A schematic diagram of obtaining a settlement load curve in the present invention;

[0059] Figure 4 It is a schematic diagram of dividing the area between the reference average amount and the reference total amount MAX in the present invention. DETAILED DESCRIPTION

[0060] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0061] Example 1

[0062] See also Figure 1 As shown, in the first aspect, the present application provides a multi-user settlement system based on an integrated platform, where multiple users settle in one platform, and settlement data of different users can be obtained in the integrated platform, including: a curve fitting module, a threshold extraction module, a weight calculation module, and a settlement matching module;

[0063] The curve fitting module is used to obtain multiple settlement methods that can be used for settlement, and obtain the settlement load curve of each settlement method;

[0064] The curve fitting module is configured with a block partitioning strategy, which includes:

[0065] Acquire multiple settlement methods that can be used for settlement, which are recorded as settlement channel 1 to settlement channel N respectively;

[0066] In the specific implementation process, the settlement channel is a payment channel that can be used to pay for goods, such as WeChat Pay, Alipay, and various bank card payments;

[0067] Get the time when the commodity trading platform uses all settlement channels for settlement during the most recent standard trading hours;

[0068] Divide the standard trading time into M time blocks by standard interval time;

[0069] In the specific implementation process, in this embodiment, the standard transaction time is set to one month, and the standard interval time is set to one hour. In the specific implementation, the standard transaction time and the standard interval time can be adjusted according to the actual situation. The time for settlement of all settlement channels within the standard transaction time is to analyze each settlement channel in the subsequent analysis process;

[0070] For any time block, obtain the settlement channel used for settlement of each commodity in the time block, and record it as the block settlement channel of the time block;

[0071] The curve fitting module is also configured with a curve acquisition strategy, which includes:

[0072] See also Figure 3As shown, △ is the block start time, ○ is the standard settlement point, and RR1 is the settlement load curve obtained by fitting all standard settlement points;

[0073] Establish a plane rectangular coordinate system and record the plane rectangular coordinate system as a settlement load coordinate system, wherein the X-axis of the settlement load coordinate system is time and the Y-axis is quantity;

[0074] Record the start time corresponding to all time blocks as the block start time, and obtain M block start times of M time blocks;

[0075] In the X-axis of the settlement load coordinate system, the earliest block start time is overlapped with the coordinate origin, and the remaining block start times are marked in sequence in the X-axis;

[0076] For any settlement channel N1 from settlement channel 1 to settlement channel N, the number of times settlement channel N1 is used for settlement within M time blocks is recorded as block number 1 to block number M;

[0077] For any block number M1 from block number 1 to block number M, the point in the settlement load coordinate system is recorded as the standard settlement point M1 of settlement channel N1;

[0078] In the specific implementation process, for example, if the start time of one block is 15:10, and 120 settlements are made through settlement channel N1 during 15:10-16:10, then the coordinates of this point in the settlement load coordinate system are (15:10,120);

[0079] Obtain all standard settlement points of settlement channel N1 in the same settlement load coordinate system, and obtain the fitting curves corresponding to all standard settlement points, which are recorded as the settlement load curve of settlement channel N1;

[0080] The threshold extraction module is used to set the settlement load threshold based on the settlement load curves of all settlement methods;

[0081] The threshold extraction module is configured with a threshold acquisition strategy, which includes:

[0082] Obtain all settlement load curves from settlement channel 1 to settlement channel N, recorded as settlement load curve 1 to settlement load curve N;

[0083] For any settlement load curve N2, the point whose X-axis coordinate in the settlement load curve N2 is the block start time is marked in the settlement load curve N2, and the points are recorded as settlement load point N21 to settlement load point N2m in order from small to large based on the value of the block start time;

[0084] Put all the settlement load curves into the same plane rectangular coordinate system, add up the block times of all settlement load points corresponding to the start time of each block, and record it as the total settlement load at the start time of the block;

[0085] In the specific implementation process, for example, the block times of all settlement load points corresponding to the block start time of 15:10 are 20, 100, 120, 30 and 500, then the total settlement load at the block start time of 15:10 is 20+100+120+30+500=770;

[0086] Get the maximum value of the total settlement load, recorded as settlement load MAX;

[0087] Get the minimum value of the total settlement load, recorded as settlement load MIN;

[0088] The block starting point corresponding to the settlement load MAX is recorded as the MAX starting point, and the block starting point corresponding to the settlement load MIN is recorded as the MIN starting point;

[0089] For all settlement load points corresponding to any settlement load curve N3, the settlement load point corresponding to the MAX starting point is recorded as the MAX reference point, and the settlement load point corresponding to the MIN starting point is recorded as the MIN reference point;

[0090] In the specific implementation process, for example, if the MAX starting point is 15:10, the settlement load point corresponding to the settlement load curve N3 at the time of 15:10 is the MAX reference point of the settlement load curve N3;

[0091] The Y-axis coordinate corresponding to the MAX reference point is marked as the MAX reference load, and the Y-axis coordinate corresponding to the MIN reference point is marked as the MIN reference load; Recorded as the first reference percentage of the settlement load curve N3, Recorded as the second reference percentage of the settlement load curve N3, (B1+B2+1)×b5 is recorded as the settlement load threshold of the settlement channel N3 corresponding to the settlement load curve N3, where b1 is the MAX reference load, b2 is the settlement load MAX, b3 is the MIN reference load, b4 is the settlement load MIN, B1 is the first reference percentage, B2 is the second reference percentage, and b5 is the average of all block times corresponding to all settlement load points of the settlement load curve N3;

[0092] In the specific implementation process, for example, the MAX reference load corresponding to the settlement channel N3 is 200, the settlement load MAX is 1000, M is 5, the MIN reference load is 50, the settlement load MIN is 100, and the average value of all block times corresponding to all settlement load points of the settlement load curve N3 is 150. Then, by calculation, the first reference percentage is 0, and the second reference percentage is 30%. Then, by calculation, the settlement load threshold of the settlement channel N3 is 195;

[0093] Get the settlement load thresholds of all settlement channels;

[0094] The weight calculation module is used to obtain the transaction volume and settlement volume of multiple commodities, and obtain the commodity settlement weight based on the transaction volume and settlement volume of the commodities;

[0095] The specific gravity calculation module is configured with specific gravity calculation strategies, which include:

[0096] Multiple commodities in the commodity trading platform are recorded as trading commodity 1 to trading commodity Q in sequence;

[0097] For any trading commodity Q1 from trading commodity 1 to trading commodity Q, obtain the transaction volume and settlement volume of trading commodity Q1, where the transaction volume is the number of trading commodity Q1 ordered, and the settlement volume is the number of trading commodity Q1 ordered but not refunded, returned, or exchanged;

[0098] In the specific implementation process, for example, if the transaction volume of trading commodity Q1 is 100, and there is no refund, return or exchange of trading commodity Q1, then the commodity settlement ratio of trading commodity Q1 is 1; if the number of refunds, returns and exchanges of trading commodity Q1 is 20 times, then the settlement volume is 80, and the commodity settlement ratio of trading commodity Q1 is 0.8;

[0099] The settlement volume of trading commodity Q1 divided by the transaction volume of trading commodity Q1 is recorded as the commodity settlement ratio of trading commodity Q1;

[0100] The settlement matching module is used to set real-time settlement methods for commodities based on the commodity settlement proportions of all commodities and the settlement load curves of all settlement methods;

[0101] The settlement matching module is configured with parameter setting strategies, which include:

[0102] When using the commodity trading platform to trade commodities, the k settlement channels that are used the most times among all settlement channels are opened, and the transaction volume of each trading commodity in the previous standard interval is obtained at each standard interval, which is recorded as real-time transaction volume 1 to real-time transaction volume Q, and the total transaction volume of all trading commodities in the previous standard interval is obtained, which is recorded as real-time total transaction volume, wherein each time a new real-time transaction volume and real-time total transaction volume are obtained, the previous real-time transaction volume and real-time total transaction volume are replaced;

[0103] In the specific implementation process, the value of k can be determined according to the specific situation. In this embodiment, k is set to 3, that is, when the customer settles, only the three settlement channels that are used the most times among all settlement channels are opened. In this embodiment, the previous standard interval is the previous hour, that is, the transaction volume of each transaction commodity in the previous hour is obtained every 1 hour, and for any transaction commodity, each time a new real-time transaction volume is obtained, the existing real-time transaction volume is replaced;

[0104] The real-time total volume corresponding to each time block in the M time blocks is recorded as reference total volume 1 to reference total volume M in sequence, the maximum value of all reference total volumes is recorded as reference total volume MAX, and the average value of all reference total volumes is recorded as reference average volume;

[0105] See also Figure 4 As shown, LL1 is the reference average volume, LL2 is the reference total volume MAX, LL3 to LL6 are the primary trading volume, secondary trading volume, tertiary trading volume and fourth-level trading volume, the reference average volume and the reference total volume MAX are put into one coordinate axis, the area between the reference average volume and the reference total volume MAX in the coordinate axis is evenly divided into three segments, and the boundaries corresponding to each segment are recorded from small to large as primary trading volume, secondary trading volume, tertiary trading volume and fourth-level trading volume, among which the primary trading volume is the reference average volume and the fourth-level trading volume is the reference total volume MAX.

[0106] The settlement matching module is also configured with channel adjustment strategies, which include:

[0107] When any real-time total transaction volume obtained is less than or equal to the primary transaction volume, commodity trading will continue;

[0108] When any real-time total transaction volume obtained is greater than the primary transaction volume and less than or equal to the secondary transaction volume, obtain the number of trading commodities whose commodity settlement ratio is less than the standard ratio among all the traded trading commodities corresponding to the real-time total transaction volume, and record it as the large ratio quantity. When the large ratio quantity is greater than the first total transaction percentage of the real-time total transaction volume, open all settlement channels;

[0109] In the specific implementation process, in this embodiment, the standard proportion is set to 0.75, and the first total payment percentage is set to 70%. When the commodity settlement proportion of a transaction commodity is small, it means that the probability of return and exchange of the commodity is high, and the number of commodity settlements is high, so more settlement channels are needed. In the specific implementation, the standard proportion and the first total payment percentage can be adjusted according to the commodity settlement capacity of the platform;

[0110] When any real-time total transaction volume obtained is greater than the secondary transaction volume and less than or equal to the tertiary transaction volume, obtain the large proportion quantity corresponding to the real-time total transaction volume. When the large proportion quantity is greater than the first total transaction percentage of the real-time total transaction volume, obtain the number of times all settlement channels are traded within the standard interval corresponding to the real-time total transaction volume at this time. Any settlement channel whose number of transactions is less than or equal to the corresponding settlement load threshold is recorded as a settleable channel. Any settlement channel whose number of transactions is greater than the corresponding settlement load threshold is recorded as a pressure settlement channel. The pressure settlement channel is placed at the bottom of the settlement interface during commodity trading, and push notifications for settleable channels are added to the settlement interface during commodity trading.

[0111] In the specific implementation process, placing the pressure settlement channel at the bottom of the settlement interface during commodity trading can reduce customers' use of pressure settlement channels and increase the use of settlement channels, thereby alleviating the settlement pressure of the platform;

[0112] When any real-time total transaction volume obtained is greater than the third-level transaction volume, obtain the large proportion quantity corresponding to the real-time total transaction volume. When the large proportion quantity is greater than the first total transaction percentage of the real-time total transaction volume and the number of times all settlement channels are traded within the standard interval corresponding to the real-time total transaction volume is greater than the settlement load threshold corresponding to all settlement channels, send a signal of excessive transaction volume to the staff;

[0113] During the specific implementation process, when the large proportion of quantity is greater than the first total transaction percentage of the real-time total transaction volume and the number of times all settlement channels are traded within the standard interval time corresponding to the real-time total transaction volume is greater than the settlement load threshold corresponding to all settlement channels, it means that the transaction volume at this time is too large and the settlement channels are under great settlement pressure, and the staff should be notified in time for further processing.

[0114] Example 2

[0115] See also Figure 2 As shown, in a second aspect, the present invention provides a multi-user settlement method based on an integrated platform, characterized in that it includes:

[0116] Step S1, obtaining multiple settlement methods that can be used for settlement, and obtaining a settlement load curve for each settlement method;

[0117] Step S1 includes the following sub-steps:

[0118] Step S101, obtaining multiple settlement methods that can be used for settlement, which are respectively recorded as settlement channel 1 to settlement channel N;

[0119] Step S102, obtaining the time when the commodity trading platform uses all settlement channels for settlement during the most recent standard trading time;

[0120] Divide the standard trading time into M time blocks by standard interval time;

[0121] For any time block, obtain the settlement channel used for settlement of each commodity in the time block, and record it as the block settlement channel of the time block.

[0122] Step S1 also includes:

[0123] Step S103, establishing a plane rectangular coordinate system, and recording the plane rectangular coordinate system as a settlement load coordinate system, wherein the X-axis of the settlement load coordinate system is time, and the Y-axis is quantity;

[0124] Record the start time corresponding to all time blocks as the block start time, and obtain M block start times of M time blocks;

[0125] In the X-axis of the settlement load coordinate system, the earliest block start time is overlapped with the coordinate origin, and the remaining block start times are marked in sequence in the X-axis;

[0126] For any settlement channel N1 from settlement channel 1 to settlement channel N, the number of times settlement channel N1 is used for settlement within M time blocks is recorded as block number 1 to block number M;

[0127] For any block number M1 from block number 1 to block number M, the point in the settlement load coordinate system is recorded as the standard settlement point M1 of settlement channel N1;

[0128] Obtain all standard settlement points of settlement channel N1 in the same settlement load coordinate system, and obtain the fitting curves corresponding to all standard settlement points, which are recorded as the settlement load curve of settlement channel N1;

[0129] Step S2, setting a settlement load threshold based on the settlement load curves of all settlement methods;

[0130] Step S2 includes:

[0131] Obtain all settlement load curves from settlement channel 1 to settlement channel N, recorded as settlement load curve 1 to settlement load curve N;

[0132] For any settlement load curve N2, the point whose X-axis coordinate in the settlement load curve N2 is the block start time is marked in the settlement load curve N2, and the points are recorded as settlement load point N21 to settlement load point N2m in order from small to large based on the value of the block start time;

[0133] Put all the settlement load curves into the same plane rectangular coordinate system, add up the block times of all settlement load points corresponding to the start time of each block, and record it as the total settlement load at the start time of the block;

[0134] Get the maximum value of the total settlement load, recorded as settlement load MAX;

[0135] Get the minimum value of the total settlement load, recorded as settlement load MIN;

[0136] The block starting point corresponding to the settlement load MAX is recorded as the MAX starting point, and the block starting point corresponding to the settlement load MIN is recorded as the MIN starting point;

[0137] For all settlement load points corresponding to any settlement load curve N3, the settlement load point corresponding to the MAX starting point is recorded as the MAX reference point, and the settlement load point corresponding to the MIN starting point is recorded as the MIN reference point;

[0138] The Y-axis coordinate corresponding to the MAX reference point is marked as the MAX reference load, and the Y-axis coordinate corresponding to the MIN reference point is marked as the MIN reference load; Recorded as the first reference percentage of the settlement load curve N3, Recorded as the second reference percentage of the settlement load curve N3, (B1+B2+1)×b5 is recorded as the settlement load threshold of the settlement channel N3 corresponding to the settlement load curve N3, where b1 is the MAX reference load, b2 is the settlement load MAX, b3 is the MIN reference load, b4 is the settlement load MIN, B1 is the first reference percentage, B2 is the second reference percentage, and b5 is the average of all block times corresponding to all settlement load points of the settlement load curve N3;

[0139] Get the settlement load thresholds of all settlement channels;

[0140] Step S3, obtaining the transaction volume and settlement volume of multiple commodities, and obtaining the commodity settlement ratio based on the transaction volume and settlement volume of the commodities;

[0141] Step S3 includes:

[0142] Multiple commodities in the commodity trading platform are recorded as trading commodity 1 to trading commodity Q in sequence;

[0143] For any trading commodity Q1 from trading commodity 1 to trading commodity Q, obtain the transaction volume and settlement volume of trading commodity Q1, where the transaction volume is the number of trading commodity Q1 ordered, and the settlement volume is the number of trading commodity Q1 ordered but not refunded, returned, or exchanged;

[0144] The settlement volume of trading commodity Q1 divided by the transaction volume of trading commodity Q1 is recorded as the commodity settlement ratio of trading commodity Q1;

[0145] Step S4, setting a real-time settlement method for the commodity based on the commodity settlement proportions of all commodities and the settlement load curves of all settlement methods;

[0146] Step S4 includes:

[0147] When using the commodity trading platform to trade commodities, the k settlement channels that are used the most times among all settlement channels are opened, and the transaction volume of each trading commodity in the previous standard interval is obtained at each standard interval, which is recorded as real-time transaction volume 1 to real-time transaction volume Q, and the total transaction volume of all trading commodities in the previous standard interval is obtained, which is recorded as real-time total transaction volume, wherein each time a new real-time transaction volume and real-time total transaction volume are obtained, the previous real-time transaction volume and real-time total transaction volume are replaced;

[0148] The real-time total volume corresponding to each time block in the M time blocks is recorded as reference total volume 1 to reference total volume M in sequence, the maximum value of all reference total volumes is recorded as reference total volume MAX, and the average value of all reference total volumes is recorded as reference average volume;

[0149] Put the reference average volume and the reference total trading volume MAX into one coordinate axis, divide the area between the reference average volume and the reference total trading volume MAX in the coordinate axis into three segments evenly, and record the boundaries of each segment from small to large as the first-level trading volume, second-level trading volume, third-level trading volume and fourth-level trading volume, among which the first-level trading volume is the reference average volume and the fourth-level trading volume is the reference total trading volume MAX.

[0150] Step S4 also includes:

[0151] When any real-time total transaction volume obtained is less than or equal to the primary transaction volume, commodity trading will continue;

[0152] When any real-time total transaction volume obtained is greater than the primary transaction volume and less than or equal to the secondary transaction volume, obtain the number of trading commodities whose commodity settlement ratio is less than the standard ratio among all the traded trading commodities corresponding to the real-time total transaction volume, and record it as the large ratio quantity. When the large ratio quantity is greater than the first total transaction percentage of the real-time total transaction volume, open all settlement channels;

[0153] When any real-time total transaction volume obtained is greater than the secondary transaction volume and less than or equal to the tertiary transaction volume, obtain the large proportion quantity corresponding to the real-time total transaction volume. When the large proportion quantity is greater than the first total transaction percentage of the real-time total transaction volume, obtain the number of times all settlement channels are traded within the standard interval corresponding to the real-time total transaction volume at this time. Any settlement channel whose number of transactions is less than or equal to the corresponding settlement load threshold is recorded as a settleable channel. Any settlement channel whose number of transactions is greater than the corresponding settlement load threshold is recorded as a pressure settlement channel. The pressure settlement channel is placed at the bottom of the settlement interface during commodity trading, and push notifications for settleable channels are added to the settlement interface during commodity trading.

[0154] When any real-time total transaction volume obtained is greater than the third-level transaction volume, the large proportion quantity corresponding to the real-time total transaction volume is obtained. When the large proportion quantity is greater than the first total transaction percentage of the real-time total transaction volume and the number of times all settlement channels are traded within the standard interval time corresponding to the real-time total transaction volume is greater than the settlement load threshold corresponding to all settlement channels, a signal of excessive transaction volume is sent to the staff.

[0155] Example 3

[0156] In a third aspect, the present application provides an electronic device, including a processor and a memory, the memory storing computer-readable instructions, and when the computer-readable instructions are executed by the processor, the steps in any of the above methods are executed. Through the above technical solution, the processor and the memory are interconnected and communicate with each other through a communication bus and / or other forms of connection mechanisms, and the memory stores a computer program executable by the processor. When the electronic device is running, the processor executes the computer program to execute the method in any optional implementation of the above embodiment to achieve the following functions: first, by obtaining multiple settlement methods that can be used for settlement, and obtaining the settlement load curve of each settlement method, then setting the settlement load threshold based on the settlement load curves of all settlement methods, obtaining the transaction volume and settlement volume of multiple commodities, and obtaining the commodity settlement ratio based on the transaction volume and settlement volume of the commodities, and finally setting a real-time settlement method for the commodities based on the commodity settlement ratios of all commodities and the settlement load curves of all settlement methods.

[0157] Example 4

[0158] In a fourth aspect, the present application provides a storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the steps in any of the above methods are executed. Through the above technical solution, when the computer program is executed by the processor, the method in any optional implementation of the above embodiment is executed to achieve the following functions: first, by obtaining multiple settlement methods that can be used for settlement, and obtaining the settlement load curve of each settlement method, then setting the settlement load threshold based on the settlement load curves of all settlement methods, obtaining the transaction volume and settlement volume of multiple commodities, and obtaining the commodity settlement ratio based on the transaction volume and settlement volume of the commodities, and finally setting a real-time settlement method for the commodities based on the commodity settlement ratios of all commodities and the settlement load curves of all settlement methods.

[0159] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0160] It should be understood by those skilled in the art that the embodiments of the present invention may be provided as methods, systems or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware aspects. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media containing computer-usable program codes. Among them, the storage medium may be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (Static Random Access Memory, referred to as SRAM), electrically erasable programmable read-only memory (Electrically Erasable Programmable Read-Only Memory, referred to as EEPROM), erasable programmable read-only memory (Erasable Programmable Read-Only Memory, referred to as EPROM), programmable read-only memory (Programmable Red-Only Memory, referred to as PROM), read-only memory (Read-Only Memory, referred to as ROM), magnetic memory, flash memory, magnetic disk or optical disk. These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0161] In the embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. The device embodiments described above are merely schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some communication interfaces, and the indirect coupling or communication connection of devices or units can be electrical, mechanical or other forms.

Claims

1. A multi-user settlement method based on an integrated platform, characterized in that: include: Acquire multiple settlement methods that can be used for settlement, and acquire a settlement load curve for each settlement method; Set settlement load thresholds based on settlement load curves for all settlement methods; Obtain the transaction volume and settlement volume of multiple commodities, and obtain the commodity settlement ratio based on the transaction volume and settlement volume of the commodities; Set up real-time settlement methods for commodities based on the commodity settlement proportions of all commodities and the settlement load curves of all settlement methods; Obtain multiple settlement methods that can be used for settlement, and obtain the settlement load curve of each settlement method including: Acquire multiple settlement methods that can be used for settlement, which are recorded as settlement channel 1 to settlement channel N respectively; Get the time when the commodity trading platform uses all settlement channels for settlement during the most recent standard trading hours; Divide the standard trading time into M time blocks by standard interval time; For any time block, obtain the settlement channel used for settlement of each commodity in the time block, and record it as the block settlement channel of the time block; Obtaining multiple settlement methods that can be used for settlement, and obtaining the settlement load curve of each settlement method also includes: Establish a plane rectangular coordinate system and record the plane rectangular coordinate system as a settlement load coordinate system, wherein the X-axis of the settlement load coordinate system is time and the Y-axis is quantity; Record the start time corresponding to all time blocks as the block start time, and obtain M block start times of M time blocks; In the X-axis of the settlement load coordinate system, the earliest block start time is overlapped with the coordinate origin, and the remaining block start times are marked in sequence in the X-axis; For any settlement channel N1 from settlement channel 1 to settlement channel N, the number of times settlement channel N1 is used for settlement within M time blocks is recorded as block number 1 to block number M; For any block number M1 from block number 1 to block number M, the point in the settlement load coordinate system is recorded as the standard settlement point M1 of settlement channel N1; Obtain all standard settlement points of settlement channel N1 in the same settlement load coordinate system, and obtain the fitting curves corresponding to all standard settlement points, which are recorded as the settlement load curve of settlement channel N1; The settlement load thresholds are set based on the settlement load curves of all settlement methods, including: Obtain all settlement load curves from settlement channel 1 to settlement channel N, recorded as settlement load curve 1 to settlement load curve N; For any settlement load curve N2, the point whose X-axis coordinate in the settlement load curve N2 is the block start time is marked in the settlement load curve N2, and the points are recorded as settlement load point N21 to settlement load point N2m in order from small to large based on the value of the block start time; Put all the settlement load curves into the same plane rectangular coordinate system, add up the block times of all settlement load points corresponding to the start time of each block, and record it as the total settlement load at the start time of the block; Get the maximum value of the total settlement load, recorded as settlement load MAX; Get the minimum value of the total settlement load, recorded as settlement load MIN; The block starting point corresponding to the settlement load MAX is recorded as the MAX starting point, and the block starting point corresponding to the settlement load MIN is recorded as the MIN starting point; For all settlement load points corresponding to any settlement load curve N3, the settlement load point corresponding to the MAX starting point is recorded as the MAX reference point, and the settlement load point corresponding to the MIN starting point is recorded as the MIN reference point; The Y-axis coordinate corresponding to the MAX reference point is marked as the MAX reference load, and the Y-axis coordinate corresponding to the MIN reference point is marked as the MIN reference load; Recorded as the first reference percentage of the settlement load curve N3, Recorded as the second reference percentage of the settlement load curve N3, (B1+B2+1)×b5 is recorded as the settlement load threshold of the settlement channel N3 corresponding to the settlement load curve N3, where b1 is the MAX reference load, b2 is the settlement load MAX, b3 is the MIN reference load, b4 is the settlement load MIN, B1 is the first reference percentage, B2 is the second reference percentage, and b5 is the average of all block times corresponding to all settlement load points of the settlement load curve N3; Gets the settlement load thresholds for all settlement channels.

2. The multi-user settlement method based on an integrated platform according to claim 1, characterized in that: Obtaining the transaction volume and settlement volume of multiple commodities, and obtaining the commodity settlement ratio based on the transaction volume and settlement volume of the commodities includes: Multiple commodities in the commodity trading platform are recorded as trading commodity 1 to trading commodity Q in sequence; For any trading commodity Q1 from trading commodity 1 to trading commodity Q, obtain the transaction volume and settlement volume of trading commodity Q1, where the transaction volume is the number of trading commodity Q1 ordered, and the settlement volume is the number of trading commodity Q1 ordered but not refunded, returned, or exchanged; The settlement volume of trading commodity Q1 divided by the transaction volume of trading commodity Q1 is recorded as the commodity settlement ratio of trading commodity Q1.

3. The multi-user settlement method based on an integrated platform according to claim 2, characterized in that: The real-time settlement methods for commodities are set based on the commodity settlement proportions of all commodities and the settlement load curves of all settlement methods, including: When using the commodity trading platform to trade commodities, the k settlement channels that are used the most times among all settlement channels are opened, and the transaction volume of each trading commodity in the previous standard interval is obtained at each standard interval, which is recorded as real-time transaction volume 1 to real-time transaction volume Q, and the total transaction volume of all trading commodities in the previous standard interval is obtained, which is recorded as real-time total transaction volume, wherein each time a new real-time transaction volume and real-time total transaction volume are obtained, the previous real-time transaction volume and real-time total transaction volume are replaced; The real-time total volume corresponding to each time block in the M time blocks is recorded as reference total volume 1 to reference total volume M in sequence, the maximum value of all reference total volumes is recorded as reference total volume MAX, and the average value of all reference total volumes is recorded as reference average volume; Put the reference average volume and the reference total trading volume MAX into one coordinate axis, divide the area between the reference average volume and the reference total trading volume MAX in the coordinate axis into three segments evenly, and record the boundaries of each segment from small to large as the first-level trading volume, second-level trading volume, third-level trading volume and fourth-level trading volume, among which the first-level trading volume is the reference average volume and the fourth-level trading volume is the reference total trading volume MAX.

4. The multi-user settlement method based on an integrated platform according to claim 3, characterized in that: The real-time settlement method for commodities based on the commodity settlement proportion of all commodities and the settlement load curve of all settlement methods also includes: When any real-time total transaction volume obtained is less than or equal to the primary transaction volume, commodity trading will continue; When any real-time total transaction volume obtained is greater than the primary transaction volume and less than or equal to the secondary transaction volume, obtain the number of trading commodities whose commodity settlement ratio is less than the standard ratio among all the traded trading commodities corresponding to the real-time total transaction volume, and record it as the large ratio quantity. When the large ratio quantity is greater than the first total transaction percentage of the real-time total transaction volume, open all settlement channels; When any real-time total transaction volume obtained is greater than the secondary transaction volume and less than or equal to the tertiary transaction volume, obtain the large proportion quantity corresponding to the real-time total transaction volume. When the large proportion quantity is greater than the first total transaction percentage of the real-time total transaction volume, obtain the number of times all settlement channels are traded within the standard interval corresponding to the real-time total transaction volume at this time. Any settlement channel whose number of transactions is less than or equal to the corresponding settlement load threshold is recorded as a settleable channel. Any settlement channel whose number of transactions is greater than the corresponding settlement load threshold is recorded as a pressure settlement channel. The pressure settlement channel is placed at the bottom of the settlement interface during commodity trading, and push notifications for settleable channels are added to the settlement interface during commodity trading. When any real-time total transaction volume obtained is greater than the third-level transaction volume, the large proportion quantity corresponding to the real-time total transaction volume is obtained. When the large proportion quantity is greater than the first total transaction percentage of the real-time total transaction volume and the number of times all settlement channels are traded within the standard interval time corresponding to the real-time total transaction volume is greater than the settlement load threshold corresponding to all settlement channels, a signal of excessive transaction volume is sent to the staff.

5. A system for a multi-user settlement method based on an integrated platform according to any one of claims 1 to 4, characterized in that: include: Curve fitting module, threshold extraction module, weight calculation module and settlement matching module; The curve fitting module is used to obtain multiple settlement methods that can be used for settlement, and obtain the settlement load curve of each settlement method; The threshold extraction module is used to set the settlement load threshold based on the settlement load curves of all settlement methods; The weight calculation module is used to obtain the transaction volume and settlement volume of multiple commodities, and obtain the commodity settlement weight based on the transaction volume and settlement volume of the commodities; The settlement matching module is used to set real-time settlement methods for commodities based on the commodity settlement proportions of all commodities and the settlement load curves of all settlement methods.

6. An electronic device, characterized in that: The method comprises a processor and a memory, wherein the memory stores computer-readable instructions. When the computer-readable instructions are executed by the processor, the steps in the method according to any one of claims 1 to 4 are executed.

7. A storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 4 are executed.

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