Method and system for quickly supporting business collection, storage medium and program product

Abstract

The invention discloses a quick support business collection method and system, a storage medium and a program product, and the method comprises the steps: judging whether a payment mode is mobile third-party payment or not; if the payment is the mobile third-party payment, generating a collection code and sending the collection code to a cashier desk; a third-party payment settlement bill is generated; if the payment is not the mobile third-party payment, generating an enterprise online banking settlement bill; when it is determined that the recharging mode is offline recharging, whether the payment mode is exclusive account recharging or not is judged; if the exclusive account is recharged, creating a plurality of sub-accounts corresponding to the target mother account; sending account information corresponding to each sub-account to a cashier desk; querying a collection flow of each sub-account through the target mother account, and generating a clearing bill of the exclusive account; and if the exclusive account is not recharged, inquiring the collection flow of the fixed bank account, and generating a public-to-public settlement bill. According to the invention, the difficulty of clearing funds of various payment routes is reduced, and the efficiency of financial settlement is improved.

Description

Technical Field

[0001] The present application belongs to the field of business payment collection, and in particular, relates to a method, system, storage medium and program product for quickly supporting business payment collection. Background Art

[0002] With the rapid development of mobile Internet and the increasing popularity of e-commerce websites, the corresponding users' shopping and payment experience is also constantly upgrading. There are many payment items within the company. As an effective way to solve this problem, the cashier is becoming more and more important, especially for express delivery business. In most cases, users hope to provide effective, efficient and low-cost payment methods in the business scenarios of paying orders / prepayments.

[0003] In the existing payment system, users can choose from a variety of payment methods, such as PC, app, Alipay mini program, WeChat mini program, and corporate transfers from major banks.

[0004] However, the more types of payment methods there are, the more perfect the company's payment system needs to be. Different users may choose different payment methods. Especially in the express delivery business, complex payment scenarios increase the difficulty of clearing funds for multiple payment routes, thereby reducing the efficiency of financial settlement. Summary of the invention

[0005] The present application provides a method, system, storage medium and program product for quickly supporting business collection, which are used to reduce the difficulty of clearing funds of multiple payment routes, thereby improving the efficiency of financial settlement.

[0006] In the first aspect, the present application provides a method for quickly supporting business payment collection, and in the case where it is determined that the recharge method selected by the user at the cashier is online recharge, it is determined whether the payment method selected by the user is mobile third-party payment; If the payment method is mobile third-party payment, a payment code is generated and sent to the cashier; When it is confirmed that the user scans the payment code and the transaction status is successful, a third-party payment settlement bill is generated; If the payment method is not mobile third-party payment, the bank payment page will be called, and after confirming that the user has completed the payment, a corporate online banking clearing bill will be generated; When it is determined that the recharge method selected by the user at the cashier is offline recharge, determining whether the payment method selected by the user is exclusive account recharge; If the payment method is dedicated account recharge, create several sub-accounts corresponding to the target master account based on the user information and the branch information where the cashier is located; Send the account information corresponding to each sub-account to the cashier, so that the user can recharge each sub-account; Query the payment flow of each sub-account through the target master account, and generate a dedicated account clearing bill based on the payment flow; If the payment method is not dedicated account recharge, the payment flow of the user's corresponding fixed bank account will be queried, and a public-to-public settlement bill will be generated based on the payment flow.

[0007] By adopting the above technical solution, online recharge and offline recharge are distinguished, and different payment methods are further subdivided, providing users with a variety of recharge options to meet the payment needs of different users and improve user experience. For mobile third-party payment, the payment code is generated and the transaction status is monitored in real time, which can quickly complete the payment process and improve transaction efficiency. For corporate online banking payment, the bank payment page is directly called to simplify the operation process. In terms of offline recharge, the method introduces two modes: exclusive account recharge and public-to-public recharge, further expanding the payment channels. The exclusive account recharge mode, by creating a sub-account, not only ensures the security of funds, but also improves the accuracy of fund management. Generate corresponding clearing bills for different payment methods, realize the full traceability of fund flow, and improve the accuracy and efficiency of financial management. Reduce the difficulty of clearing funds for multiple payment routes, thereby improving the efficiency of financial settlement.

[0008] In combination with some embodiments of the first aspect, in some embodiments, generating a payment code and sending the payment code to a cashier specifically includes: Send a request to generate a payment code to the preset management platform; After receiving the request to generate a payment code, the preset management platform sends a fund transaction service request to the preset fund server; After receiving the fund transaction service request, the preset fund server generates a corresponding payment code according to the attribute information of the mobile third-party payment, where the attribute information includes first channel payment, second channel payment and third channel payment; Send the payment code to the cashier.

[0009] By adopting the above technical solution, the preset management platform, as an intermediate layer, can perform preliminary processing and verification of requests, reduce the burden on the capital server, and improve the efficiency and stability of the entire system. The preset management platform sends capital transaction service requests to the preset capital server. This layered design makes the system structure easy to maintain and upgrade. The capital server generates the corresponding payment code based on the attribute information of the mobile third-party payment. This method can ensure that the generated payment code matches the specific payment channel, improving the accuracy and efficiency of the payment process.

[0010] In combination with some embodiments of the first aspect, in some embodiments, if the payment method is mobile third-party payment, after generating a payment code and sending the payment code to the cashier, the method further includes: When it is detected that the user initiates a scan code payment operation, the timing starts and the real-time payment duration is obtained; Determine whether the transaction status of the user is successful when the real-time payment duration is not greater than the preset duration; If the transaction status is not successful, a request to generate a payment code is sent to the preset management platform again to obtain an updated payment code; Send the updated payment code to the cashier, and execute the step of starting the timing when detecting that the user initiates the scan code payment operation to obtain the real-time payment duration; If the transaction status is successful, the step of generating a third-party payment settlement bill is executed when it is determined that the user scans the payment code and the transaction status is successful.

[0011] By adopting the above technical solution, the system starts timing immediately when it detects that the user initiates a scan code payment operation, and can grasp the time taken by the user's payment behavior. By judging whether the real-time payment duration exceeds the preset duration, the system can identify possible payment anomalies or timeouts and take corresponding measures in time. If the transaction status is unsuccessful within the preset duration, the system will automatically regenerate the payment code, reducing payment failures caused by the expiration of the QR code and improving the payment success rate. The regenerated payment code will be sent to the cashier in a timely manner to ensure that the user is always facing a valid payment interface and improve the user experience. At the same time, the system restarts the timing and continues to monitor the payment status, forming a monitoring and updating mechanism until the transaction is successful or the user actively abandons the payment. The continuity of the payment process is guaranteed, and payment delays or failures that may be caused by network fluctuations, user operation errors, etc. are fully considered. Once the transaction is detected to be successful, the system immediately enters the clearing bill generation stage.

[0012] In conjunction with some embodiments of the first aspect, in some embodiments, generating a third-party payment settlement bill specifically includes: Generate a funds usage selection page and send the funds usage page to the cashier, the funds usage selection page including recharging a preset account and recharging a prepayment; If it is determined that the user chooses to recharge the preset account, generating a first clearing bill according to the payment amount of the mobile third-party payment; If it is determined that the user chooses to recharge the prepaid amount, obtain a handling fee bill; The difference between the payment amount of the mobile third-party payment and the handling fee bill is used as the settlement transaction flow, and a second clearing bill is generated according to the settlement transaction flow; Generate a third-party payment clearing bill, which is the first clearing bill or the second clearing bill.

[0013] By adopting the above technical solution, the system provides users with two options: recharging preset accounts and recharging prepaid payments, meeting the fund management needs of different users. According to the user's choice, the system will generate different types of clearing bills. For the case of choosing to recharge a preset account, the first clearing bill is directly generated based on the payment amount, which simplifies the processing flow and improves efficiency. For the case of choosing to recharge prepaid payments, the system will consider the handling fee factor, and obtain the actual settlement transaction flow by subtracting the payment amount from the handling fee bill, and generate the second clearing bill accordingly, which improves the accuracy of the bill.

[0014] In combination with some embodiments of the first aspect, in some embodiments, creating a plurality of sub-accounts corresponding to the target parent account according to the user information and the branch information where the cash register is located specifically includes: Maintain the target master account based on user information; Create several corresponding sub-accounts according to the branch information where the cash register is located.

[0015] By adopting the above technical solution, the corresponding exclusive parent account information is maintained in the parent-child account management. For example, the China Merchants Bank parent account is first entered, and then the province of use corresponding to the parent account is allocated. The exclusive account cannot be used for transfer and recharge in provinces other than the corresponding province. Then, several corresponding sub-accounts are created according to the branch information where the cash register is located, which improves the accuracy of fund management and ensures the traceability of fund flow.

[0016] In conjunction with some embodiments of the first aspect, in some embodiments, maintaining the target parent account according to the user information specifically includes: Obtain the target parent account and user information, including location information; Assign the same usage location information as the location information to the target parent account.

[0017] By adopting the above technical solution, the system establishes a clear correspondence between users and parent accounts. By associating the parent account with a specific geographical location, the system can perform regional fund management and risk control, thereby improving the security of the system.

[0018] In conjunction with some embodiments of the first aspect, in some embodiments, if the payment method is not dedicated account recharge, then querying the payment flow of the fixed bank account corresponding to the user, and generating a public-to-public settlement bill according to the payment flow, the method further includes: When it is confirmed that the bill query instruction has been received, a clearing bill is output, and the clearing bill is a third-party payment clearing bill, a corporate online banking clearing bill, a dedicated account clearing bill or a business-to-business clearing bill.

[0019] By adopting the above technical solution, the clearing bill corresponding to the payment method selected by the user is output, which reduces the difficulty of clearing funds of multiple payment routes, thereby improving the efficiency of financial settlement.

[0020] In a second aspect, an embodiment of the present application provides a quick support business payment collection system, which quick support business payment collection system includes: one or more processors and a memory; the memory is coupled to the one or more processors, the memory is used to store computer program code, the computer program code includes computer instructions, and one or more processors call the computer instructions to enable the system to execute the method described in the first aspect and any possible implementation method of the first aspect.

[0021] In a third aspect, an embodiment of the present application provides a computer-readable storage medium, comprising instructions, which, when executed on a system, causes the system to execute the method described in the first aspect and any possible implementation of the first aspect.

[0022] In a fourth aspect, an embodiment of the present application provides a computer program product, characterized in that when the computer program product runs on a system, the system executes the method described in any possible implementation manner in the first aspect.

[0023] One or more technical solutions provided in the embodiments of the present application have at least the following technical effects or advantages: 1. This application provides a method for quickly supporting business collection, distinguishing between online recharge and offline recharge, and further subdividing different payment methods, providing users with a variety of recharge options to meet the payment needs of different users and improve user experience. For mobile third-party payment, generating a collection code and monitoring the transaction status in real time can quickly complete the payment process and improve transaction efficiency. For corporate online banking payment, the bank payment page is directly called to simplify the operation process. In terms of offline recharge, the method introduces two modes: exclusive account recharge and public-to-public recharge, further expanding the payment channels. The exclusive account recharge mode, by creating a sub-account, not only ensures the security of funds, but also improves the accuracy of fund management. Generate corresponding clearing bills for different payment methods, realize the full traceability of fund flow, and improve the accuracy and efficiency of financial management. Reduce the difficulty of clearing funds for multiple payment routes, thereby improving the efficiency of financial settlement.

[0024] 2. This application provides a method for quickly supporting business collection. When the system detects that the user initiates a scan code payment operation, it starts timing immediately, and can grasp the time-consuming user's payment behavior. By judging whether the real-time payment duration exceeds the preset duration, the system can identify possible payment anomalies or timeouts and take corresponding measures in time. If the transaction status is unsuccessful within the preset time, the system will automatically regenerate the payment code, reducing payment failures caused by the expiration of the QR code and improving the payment success rate. The regenerated payment code will be sent to the cashier in a timely manner to ensure that the user is always facing a valid payment interface and improve the user experience. At the same time, the system restarts the timing and continues to monitor the payment status, forming a monitoring and updating mechanism until the transaction is successful or the user actively abandons the payment. The continuity of the payment process is guaranteed, and full consideration is given to payment delays or failures that may be caused by network fluctuations, user operation errors, etc. Once a successful transaction is detected, the system immediately enters the clearing bill generation stage.

[0025] 3. This application provides a method for quickly supporting business collection. The system provides users with two options: recharging preset accounts and recharging prepaid payments, which meet the fund management needs of different users. According to the user's choice, the system will generate different types of clearing bills. For the case of choosing to recharge a preset account, the first clearing bill is directly generated based on the payment amount, which simplifies the processing flow and improves efficiency. For the case of choosing to recharge prepaid payments, the system will consider the handling fee factor, and obtain the actual settlement transaction flow by subtracting the payment amount from the handling fee bill, and generate the second clearing bill accordingly, which improves the accuracy of the bill. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] Figure 1 It is a flow chart of a method for quickly supporting business payment collection in an embodiment of the present application.

[0027] Figure 2 It is a flowchart of one of the methods for quickly supporting business collection in the embodiments of the present application.

[0028] Figure 3 It is a schematic diagram of the physical device structure of a rapid support business payment collection system provided in an embodiment of the present application. DETAILED DESCRIPTION

[0029] The terms used in the following embodiments of the present application are only for the purpose of describing specific embodiments, and are not intended to be used as limitations to the present application. As used in the specification and appended claims of the present application, the singular expressions "one", "a kind of", "said", "above", "the" and "this" are intended to also include plural expressions, unless there is a clear indication to the contrary in the context. It should also be understood that the term "and / or" used in the present application refers to any or all possible combinations comprising one or more listed items.

[0030] In the following, the terms "first" and "second" are used for descriptive purposes only and are not to be understood as suggesting or implying relative importance or implicitly indicating the number of the indicated technical features. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of the features, and in the description of the embodiments of the present application, unless otherwise specified, "plurality" means two or more.

[0031] Combine the following Figure 1 , a method for collecting payment for a quick support service in an embodiment of the present application is described: See also Figure 1 , which is a flow chart of a method for quickly supporting business payment collection in an embodiment of the present application.

[0032] S101, when it is determined that the recharge method selected by the user at the cashier is online recharge, determining whether the payment method selected by the user is mobile third-party payment; The system first needs to confirm that the recharge method selected by the user is online recharge. Online recharge usually includes multiple payment methods, such as bank card payment, mobile third-party payment, etc. The system needs to further determine whether the user has selected mobile third-party payment, which has an important impact on the subsequent processing flow. Mobile third-party payment includes mobile payment platforms such as Alipay and WeChat Pay, which are not limited here.

[0033] Assume that the user selects online top-up on the cashier interface and further selects WeChat Pay as the payment method. The system first recognizes that the user has selected online top-up and then determines that WeChat Pay belongs to the mobile third-party payment category. This step can be achieved through interactive events in the user interface. When the user clicks the "online top-up" button, the system records this selection. Subsequently, when the user selects the WeChat Pay icon, the system compares this selection with the pre-set payment method category and confirms that it belongs to mobile third-party payment.

[0034] This step involves the front-end user interface interaction design and the back-end data processing. The front-end can use JavaScript to monitor the user's click events and transmit the user's selection to the back-end through the API. The back-end can use if-else statements or switch-case structures to determine the user's selection and determine the subsequent processing flow based on the judgment result. This step provides the correct guidance for the entire collection process, ensuring that the system can start the corresponding processing logic based on the user's selection.

[0035] S102, sending a request to generate a payment code to a preset management platform; If the payment method is mobile third-party payment, the system sends a request to generate a payment code to the preset management platform. When the system confirms that the payment method selected by the user is mobile third-party payment, it needs to generate the corresponding payment code. In order to achieve this function, the system sends a request to generate a payment code to the pre-set management platform. This preset management platform is usually a system that centrally handles various payment-related requests. It can connect with different payment channels and generate corresponding payment codes.

[0036] S103. After receiving the request to generate a payment code, the preset management platform sends a fund transaction service request to the preset fund server; As the middle layer, the preset management platform is responsible for coordinating the communication between different systems. After receiving the request from the cash register system, it further sends a fund transaction service request to the preset fund server. The preset fund server is usually a system that directly connects to the payment channel and can handle the actual fund transaction.

[0037] S104: After receiving the fund transaction service request, the preset fund server generates a corresponding payment code according to the attribute information of the mobile third-party payment; After receiving the fund transaction service request, the preset fund server generates a corresponding payment code according to the attribute information of the mobile third-party payment, and the attribute information includes first channel payment, second channel payment and third channel payment. In this step, after receiving the fund transaction service request from the preset management platform, the preset fund server needs to generate a corresponding payment code according to the specific attribute information of the mobile third-party payment. The attribute information here includes first channel payment, second channel payment and third channel payment, and these channels correspond to different payment platforms or payment methods. The preset fund server generates a payment code based on this information that can be recognized and processed by the corresponding payment platform.

[0038] For example, after receiving the request, the preset fund server first identifies the payment method as "WeChatPay", which belongs to the second channel payment (assuming that the first channel is Alipay, the second channel is WeChat Pay, and the third channel is UnionPay).

[0039] The preset fund server can use a special encryption algorithm to generate this payment code. For example, the key information is hashed using the SHA256 algorithm, and then the result is converted into printable characters using Base64 encoding. The generation process may involve the following steps: Assemble the original string, including all necessary parameters.

[0040] Sign the original string using the merchant key.

[0041] Encode the signature and other parameters into a format that can be recognized by the QR code.

[0042] S105, sending the payment code to the cashier; The system sends the payment code to the cashier so that the user can make payment by scanning the payment code. The payment code can be an object with payment attributes such as a QR code or a barcode, which is not limited here.

[0043] S106. When it is detected that the user initiates a scan code payment operation, start timing to obtain the real-time payment duration; This step is initiated when the user starts scanning the payment code to make a payment. The system needs to track the duration of the payment process to ensure that the payment is completed within a reasonable time and take appropriate measures (such as updating the payment code) when necessary. This timing mechanism helps improve the efficiency and security of payment, while also providing a better experience for users. This step is an existing technology and will not be described here.

[0044] S107, determining whether the transaction status of the user is successful when the real-time payment duration is not greater than the preset duration; This step is the process of the system continuously monitoring the transaction status after the user starts scanning the code to pay. The system determines whether the transaction is successfully completed within the preset time range. If the transaction is not successful within the preset time, the system will need to take further action. This mechanism helps to ensure the smoothness and security of the payment process, and can also handle possible payment problems in a timely manner.

[0045] If the transaction status is not successful, a request to generate a payment code is sent to the preset management platform again to obtain an updated payment code, that is, steps S102-S107 are executed again.

[0046] S108. When it is determined that the user scans the payment code and the transaction status is successful, a third-party payment settlement bill is generated; This step is to confirm that the user has successfully completed the mobile third-party payment, and the system will generate the corresponding clearing bill. The clearing bill is an important document that records transaction details and is used for subsequent financial processing and reconciliation. The third-party payment clearing bill corresponds to the clearing bill generated when the user selects the third-party payment method. When the user selects other payment methods, the corresponding clearing bill will be generated, which will be described below.

[0047] S109, calling the bank payment page, and generating the corporate online banking clearing bill after confirming that the user payment is completed; If the payment method is not mobile third-party payment, the bank payment page is called, and the corporate online banking clearing bill is generated after confirming that the user has completed the payment. This step is for the processing flow when the user chooses a non-mobile third-party payment method (such as traditional online banking payment). The system needs to call the corresponding bank payment page, guide the user to complete the payment, and then generate the corporate online banking clearing bill after the payment is successful. This process involves docking with the bank system, as well as bill generation and processing after the payment is completed.

[0048] S110, when it is determined that the recharge method selected by the user at the cashier is offline recharge, determining whether the payment method selected by the user is exclusive account recharge; This step is the branch logic for processing when the user chooses the offline recharge method. The system further determines whether the user has selected the exclusive account recharge. Exclusive account recharge means that the user uses a pre-assigned specific bank account to transfer and recharge. This method is different from ordinary offline transfers and requires a special processing flow.

[0049] S111. Create several sub-accounts corresponding to the target master account according to the user information and the branch information where the cash register is located; If the payment method is to top up a dedicated account, several sub-accounts corresponding to the target master account will be created based on the user information and the branch information where the cashier is located. Specifically: Obtain the target parent account and user information, including location information; Assign the target parent account the same usage location information as the location information; Create several corresponding sub-accounts according to the branch information where the cash register is located.

[0050] The system first obtains the target parent account information, which is usually the main account of an enterprise or institution. At the same time, the system also obtains relevant information about the user, especially the user's location information. The system associates the user's location information with the target parent account for subsequent reconciliation and management. First, maintain the corresponding exclusive parent account information in the parent-child account management. For example, first enter the China Merchants Bank parent account, and then assign the corresponding province of use of the parent account. The exclusive account cannot be used for transfer and recharge if it is not in the province. Then, on the sub-account page, assign sub-accounts according to different branch codes, and then call the corresponding bank to create different sub-account information.

[0051] Next, the system creates corresponding sub-accounts based on the branch information where the cash register is located. These sub-accounts are associated with the parent account, but have independent account information, which is convenient for classification management and tracking of fund flows. The process of creating sub-accounts involves database operations, which may use SQL statements for insertion and update.

[0052] S112, sending the account information corresponding to each sub-account to the cashier; The account information corresponding to each sub-account is sent to the cashier, allowing the user to recharge each sub-account for subsequent tracing of the funds.

[0053] S113. Query the payment flow of each sub-account through the target master account, and generate a dedicated account clearing bill based on the payment flow; The system first uses the target parent account as an index to query all sub-accounts associated with it. Then, the system queries the payment records of each sub-account one by one. These records usually contain detailed information such as transaction time, transaction amount, transaction type, etc. The system can comprehensively and accurately count the payment status of each sub-account, providing an important basis for financial management and decision-making.

[0054] S114. Query the payment flow of the fixed bank account corresponding to the user, and generate a public-to-public settlement bill based on the payment flow; If the payment method is not dedicated account recharge, the payment flow of the user's corresponding fixed bank account will be queried, and a public-to-public settlement bill will be generated based on the payment flow.

[0055] S115. When it is determined that the bill query instruction is received, output the settlement bill.

[0056] Provide corresponding clearing bill information according to the user's query needs. When confirming that the bill query instruction has been received, output the clearing bill, which is a third-party payment clearing bill, corporate online banking clearing bill, exclusive account clearing bill or business-to-business clearing bill.

[0057] In the above embodiment, the system distinguishes between online recharge and offline recharge, and further subdivides different payment methods, providing users with a variety of recharge options to meet the payment needs of different users and improve user experience. For mobile third-party payment, a payment code is generated and the transaction status is monitored in real time, so that the payment process can be completed quickly and transaction efficiency can be improved. For corporate online banking payment, the bank payment page is directly called to simplify the operation process. In terms of offline recharge, the method introduces two modes: exclusive account recharge and public-to-public recharge, further expanding the payment channels. The exclusive account recharge mode, by creating a sub-account, not only ensures the security of funds, but also improves the accuracy of fund management. Generate corresponding clearing bills for different payment methods, realize the full traceability of fund flow, and improve the accuracy and efficiency of financial management. Reduce the difficulty of clearing funds for multiple payment routes, thereby improving the efficiency of financial settlement.

[0058] In the previous embodiment, step S108 generates a third-party payment settlement bill when it is determined that the user scans the payment code and the transaction status is successful. In actual applications, the payment behavior between the user and the merchant may involve a handling fee. In this case, the handling fee needs to be deducted first, and then the remaining funds are credited. Figure 2 , one of the quick support service payment collection methods in the embodiment of the present application is described: See also Figure 2 , which is a flow chart of one of the methods for quickly supporting business payment collection in the embodiments of the present application.

[0059] S201, generating a funds usage selection page and sending the funds usage page to the cashier; Generate a funds usage selection page and send the funds usage page to the cashier, the funds usage selection page including recharging a preset account and recharging a prepayment.

[0060] The main purpose of this step is to provide users with an interface for selecting the purpose of funds so that the system can perform subsequent processing based on the user's choice. The system generates a page containing different fund usage options and sends it to the cashier for the user to choose.

[0061] In this step, the system will first design a funds usage selection page, which includes at least two options: recharge preset account and recharge prepayment. You can use HTML, CSS and JavaScript to build this page to ensure that it can be displayed and operated normally on different devices.

[0062] S202: if it is determined that the user chooses to recharge the preset account, generate a first clearing bill according to the payment amount of the mobile third-party payment; This step is executed when the system detects that the user has selected the "Recharge Preset Account" option in the funds usage selection page. The main purpose of this process is to generate the first clearing bill based on the amount paid by the user through a mobile third-party payment platform (such as Alipay, WeChat Pay, etc.). This payment method does not require a handling fee.

[0063] S203: if it is determined that the user chooses to recharge the prepaid amount, obtain a handling fee bill; When the system detects that the user has selected the "Recharge Prepaid Payment" option on the funds usage selection page, the fee bill is obtained. The main purpose of this process is to calculate and obtain the fee bill related to the prepaid payment recharge. Prepaid payments usually involve certain fees, and the system calculates these fees and generates the corresponding bill.

[0064] The system will first obtain the fee calculation standard based on the preset rules or from the configuration. This can be a fixed amount or a certain percentage of the recharge amount, which is not limited here. Then, the system will calculate the specific fee based on the user's recharge amount and these rules.

[0065] S204: subtract the payment amount of the mobile third-party payment from the handling fee bill to obtain a difference as a settlement transaction flow, and generate a second clearing bill based on the settlement transaction flow; The system will first obtain the total amount paid by the user through a mobile third-party payment platform (such as Alipay, WeChat Pay, etc.). Then, the previously calculated handling fee will be subtracted from the total amount to obtain the actual prepaid amount. This amount will serve as the basis for the settlement transaction flow.

[0066] S205: Generate a third-party payment settlement bill, where the third-party payment settlement bill is a first settlement bill or a second settlement bill.

[0067] The system generates a third-party payment clearing bill, which is the first clearing bill or the second clearing bill.

[0068] In the above embodiment, the system provides users with two options: recharging a preset account and recharging a prepaid account, which meets the fund management needs of different users. According to the user's choice, the system will generate different types of clearing bills. In the case of choosing to recharge a preset account, the first clearing bill is directly generated based on the payment amount, which simplifies the processing flow and improves efficiency. In the case of choosing to recharge a prepaid account, the system will consider the handling fee factor, and obtain the actual settlement transaction flow by subtracting the payment amount from the handling fee bill, and generate the second clearing bill accordingly, which improves the accuracy of the bill.

[0069] The following describes the system in the embodiment of the present invention from the perspective of hardware processing. Figure 3 , which is a schematic diagram of the physical device structure of a rapid support business payment collection system provided in an embodiment of the present application.

[0070] It should be noted that Figure 3 The structure of the system shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0071] like Figure 3As shown, the system includes a central processing unit (CPU) 301, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 302 or the program loaded from the storage part 308 to the random access memory (RAM) 303, such as executing the method in the above embodiment. In RAM 303, various programs and data required for system operation are also stored. CPU 301, ROM 302 and RAM 303 are connected to each other through a bus 304. Input / output (I / O) interface 305 is also connected to bus 304.

[0072] The following components are connected to the I / O interface 305: an input section 306 including a camera, an infrared sensor, etc.; an output section 307 including a liquid crystal display (LCD) and a speaker, etc.; a storage section 308 including a hard disk, etc.; and a communication section 309 including a network interface card such as a LAN (Local Area Network) card, a modem, etc. The communication section 309 performs communication processing via a network such as the Internet. A drive 310 is also connected to the I / O interface 305 as needed. A removable medium 311, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 310 as needed so that a computer program read therefrom is installed into the storage section 308 as needed.

[0073] In particular, according to an embodiment of the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present invention includes a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a computer program for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication part 309, and / or installed from a removable medium 311. When the computer program is executed by the central processing unit (CPU) 301, various functions defined in the present invention are performed.

[0074] It should be noted that the computer-readable medium shown in the embodiment of the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable computer program. Such a propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing.

[0075] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present invention. Among them, each box in the flowchart or block diagram can represent a module, a program segment, or a part of the code, and the above-mentioned module, program segment, or a part of the code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0076] As another aspect, the present invention further provides a computer-readable storage medium, which may be included in the system described in the above embodiment; or may exist independently without being assembled into the system. The above storage medium carries one or more computer programs, and when the above one or more computer programs are executed by a processor of a system, the system implements the method provided in the above embodiment.

[0077] As described above, the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

[0078] As used in the above embodiments, the term "when..." may be interpreted to mean "if..." or "after..." or "in response to determining..." or "in response to detecting...", depending on the context. Similarly, the phrases "upon determining..." or "if (the stated condition or event) is detected" may be interpreted to mean "if determining..." or "in response to determining..." or "upon detecting (the stated condition or event)" or "in response to detecting (the stated condition or event)", depending on the context.

[0079] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the process or function described in the embodiment of the present application is generated in whole or in part. The computer may be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions may be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions may be transmitted from a website site, computer, server or data center to another website site, computer, server or data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line) or wireless (e.g., infrared, wireless, microwave, etc.) means. The computer-readable storage medium may be any available medium that a computer can access or a data storage device such as a server or data center that includes one or more available media integrated. The available medium may be a magnetic medium (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid-state hard disk), etc.

[0080] Those skilled in the art can understand that to implement all or part of the processes in the above-mentioned embodiments, the processes can be completed by computer programs to instruct related hardware, and the programs can be stored in computer-readable storage media. When the programs are executed, they can include the processes of the above-mentioned method embodiments. The aforementioned storage media include: ROM or random access memory RAM, magnetic disk or optical disk and other media that can store program codes.

Claims

1. A method for quickly supporting business payment collection, characterized in that: include: In the case where it is determined that the recharge method selected by the user at the cashier counter is online recharge, determining whether the payment method selected by the user is mobile third-party payment; If the payment method is the mobile third-party payment, generating a payment code and sending the payment code to the cashier; When it is determined that the user scans the payment code and the transaction status is successful, generating a third-party payment settlement bill; If the payment method is not the mobile third-party payment, calling the bank payment page, and generating a corporate online banking clearing bill after confirming that the user payment is completed; In the case where it is determined that the recharge method selected by the user at the cashier is offline recharge, determining whether the payment method selected by the user is exclusive account recharge; If the payment method is to recharge the dedicated account, then create several sub-accounts corresponding to the target master account according to the user information and the branch information where the cashier is located; Sending the account information corresponding to each of the sub-accounts to the cashier, so that the user can recharge each of the sub-accounts; Query the payment flow of each sub-account through the target master account, and generate a dedicated account settlement bill based on the payment flow; If the payment method is not to recharge the exclusive account, the payment flow of the fixed bank account corresponding to the user is queried, and a public-to-public settlement bill is generated based on the payment flow.

2. The method according to claim 1, characterized in that The method further comprises: generating a payment code and sending the payment code to the cashier, specifically comprising: Send a request to generate a payment code to the preset management platform; After receiving the request to generate a payment code, the preset management platform sends a fund transaction service request to a preset fund server; After receiving the fund transaction service request, the preset fund server generates a corresponding payment code according to the attribute information of the mobile third-party payment, wherein the attribute information includes first channel payment, second channel payment and third channel payment; The payment code is sent to the cashier.

3. The method according to claim 1 or 2, characterized in that: After generating a payment code and sending the payment code to the cashier if the payment method is the mobile third-party payment, the method further includes: When it is detected that the user initiates a scan code payment operation, the timing is started to obtain the real-time payment duration; Determining whether the transaction status of the user is successful when the real-time payment duration is not greater than the preset duration; If the transaction status is not successful, a request to generate a payment code is sent to the preset management platform again to obtain an updated payment code; Sending the updated payment code to the cashier, and executing the step of starting the timing to obtain the real-time payment duration when detecting that the user initiates a scan code payment operation; If the transaction status is successful, the step of generating a third-party payment settlement bill is performed when it is determined that the user scans the payment code and the transaction status is successful.

4. The method according to claim 1, characterized in that: The generating of the third-party payment settlement bill specifically includes: Generate a funds usage selection page and send the funds usage page to the cashier, the funds usage selection page including recharging a preset account and recharging a prepaid payment; In the case where it is determined that the user selects the preset recharge account, generating a first clearing bill according to the payment amount of the mobile third-party payment; If it is determined that the user selects the prepaid recharge, obtaining a handling fee bill; The difference between the payment amount of the mobile third-party payment and the handling fee bill is used as a settlement transaction flow, and a second clearing bill is generated according to the settlement transaction flow; A third-party payment settlement bill is generated, where the third-party payment settlement bill is the first settlement bill or the second settlement bill.

5. The method according to claim 1, characterized in that The step of creating a plurality of sub-accounts corresponding to the target master account according to the user information and the branch information where the cash register is located specifically includes: Maintain the target master account based on user information; Create several corresponding sub-accounts according to the branch information where the cash register is located.

6. The method according to claim 5, characterized in that Maintaining the target parent account according to the user information specifically includes: Obtaining the target parent account and user information, wherein the user information includes location information; The target parent account is assigned usage location information that is the same as the location information.

7. The method according to claim 1, characterized in that If the payment method is not to recharge the dedicated account, then querying the payment flow of the fixed bank account corresponding to the user, and generating a public-to-public settlement bill according to the payment flow, the method further includes: When it is determined that the bill query instruction is received, a settlement bill is output, where the settlement bill is the third-party payment settlement bill, the corporate online banking settlement bill, the exclusive account settlement bill or the business-to-business settlement bill.

8. A fast support business payment collection system, characterized in that: The system comprises: One or more processors and a memory; the memory is coupled to the one or more processors, the memory is used to store computer program code, the computer program code includes computer instructions, and the one or more processors call the computer instructions to cause the system to execute the method as described in any one of claims 1-7.

9. A computer-readable storage medium comprising instructions, characterized in that: When the instructions are executed on a system, the system is caused to execute the method according to any one of claims 1 to 7.

10. A computer program product, characterized in that When the computer program product is run on a system, the system is caused to execute the method according to any one of claims 1 to 7.

Images