Merchant account settlement result obtaining method and device, equipment and storage medium

Abstract

The invention relates to financial management and financial science and technology, and particularly discloses a merchant account settlement result obtaining method and device, computer equipment and a storage medium. According to the invention, when the time of the daily settlement task arrives, the payment information and the forward settlement order of the merchant are obtained, the to-be-settled settlement order is determined according to the preset settlement time of the forward settlement order, the to-be-settled account of the merchant is generated according to the to-be-settled settlement order and the payment information, and finally the to-be-settled account is settled. According to the invention, automatic information acquisition, accounting auditing and accounting settlement are realized, manual operation is reduced, the accounting settlement efficiency is improved, and then the efficiency of obtaining the merchant accounting settlement result is improved.

Description

Technical Field

[0001] The present application relates to the field of financial management and financial technology, and in particular to a method, device, computer equipment and storage medium for obtaining merchant account settlement results. Background Art

[0002] With the development of computer technology, online commodity sales systems have gradually improved. In the process of commodity sales, merchants' account splitting and account settlement are an indispensable part of business operations. In the current e-commerce and payment system fields, there are already some account splitting and clearing settlement systems, but the settlement function of existing e-commerce platforms still relies on manual operation or semi-automatic tools, lacking complete automated processing capabilities. This leads to low efficiency in merchant account settlement, which in turn leads to low efficiency in merchant account settlement results. Therefore, how to improve the efficiency of merchant account settlement results has become an urgent problem to be solved. Summary of the invention

[0003] The present application provides a method, device, computer equipment and storage medium for obtaining merchant account settlement results, so as to improve the efficiency of obtaining merchant account settlement results.

[0004] In a first aspect, the present application provides a method for obtaining a merchant account settlement result, the method comprising:

[0005] When the preset daily settlement task time arrives, obtain the merchant's pending account information, at least one positive settlement order, and the preset settlement date corresponding to each of the positive settlement orders;

[0006] Determining a settlement order to be settled based on a preset settlement date corresponding to the forward settlement order;

[0007] Based on the settlement order to be settled and the pending account information, generating the pending account of the merchant;

[0008] When the accounts to be settled pass the review, the accounts to be settled are settled to obtain a settlement result.

[0009] In a second aspect, the present application further provides a device for obtaining merchant account settlement results, the device comprising:

[0010] A relevant information acquisition unit, configured to acquire the merchant's pending account information, at least one positive settlement order, and the preset settlement date corresponding to each of the positive settlement orders when the preset daily settlement task time arrives;

[0011] A settlement order determination unit, configured to determine a settlement order to be settled based on a preset settlement date corresponding to the forward settlement order;

[0012] An account-to-be-settled generating unit, configured to generate the merchant's account-to-be-settled based on the clearing order to be settled and the pending account information;

[0013] The settlement result obtaining unit is used to settle the account to be settled and obtain the settlement result when the account to be settled passes the review.

[0014] In a third aspect, the present application also provides a computer device, comprising a memory and a processor; the memory is used to store a computer program; the processor is used to execute the computer program and implement the above-mentioned method for obtaining merchant account settlement results when executing the computer program.

[0015] In a fourth aspect, the present application further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the processor implements the method for obtaining merchant account settlement results as described above.

[0016] The present application discloses a method, device, computer equipment and storage medium for obtaining merchant account settlement results. When the preset daily settlement task time arrives, the merchant's pending account information, at least one positive settlement order and the preset settlement date corresponding to each positive settlement order are obtained; based on the preset settlement date corresponding to the positive settlement order, the settlement order to be settled is determined; based on the settlement order to be settled and the pending account information, the merchant's pending account is generated; when the pending account is reviewed, the pending account is settled to obtain the settlement result. The present application can obtain the merchant's pending account information and positive settlement order when the daily settlement task time arrives, determine the pending account according to the preset settlement time of the positive settlement order, generate the merchant's pending account according to the pending account and the pending account information, and finally settle the pending account. Automated information acquisition, account review and account settlement are realized, manual operations are reduced, account settlement efficiency is improved, and thus the efficiency of obtaining merchant account settlement results is improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0018] Figure 1 is a schematic flow chart of a first embodiment of a method for obtaining merchant account settlement results provided by an embodiment of the present application;

[0019] Figure 2is a schematic flow chart of a second embodiment of a method for obtaining merchant account settlement results provided by an embodiment of the present application;

[0020] Figure 3 is a schematic flow chart of a third embodiment of a method for obtaining merchant account settlement results provided by an embodiment of the present application;

[0021] Figure 4 A schematic block diagram of a device for obtaining merchant account settlement results provided in an embodiment of the present application;

[0022] Figure 5 A schematic block diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0023] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0024] The flowcharts shown in the accompanying drawings are only examples and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps may also be decomposed, combined or partially merged, so the actual execution order may change according to actual conditions.

[0025] It should be understood that the terms used in this application specification are only for the purpose of describing specific embodiments and are not intended to limit the application. As used in this application specification and the appended claims, unless the context clearly indicates otherwise, the singular forms "a", "an" and "the" are intended to include plural forms.

[0026] It should be further understood that the term “and / or” used in the specification and appended claims refers to any combination and all possible combinations of one or more of the associated listed items, and includes these combinations.

[0027] The embodiments of the present application provide a method, device, computer equipment and storage medium for obtaining merchant account settlement results. The method for obtaining merchant account settlement results can be applied to a server, by obtaining the merchant's pending account information and positive settlement order when the time of the daily settlement task arrives, and determining the pending settlement settlement order according to the preset settlement time of the positive settlement order, generating the merchant's pending settlement accounts according to the pending settlement settlement order and the pending account information, and finally settling the pending settlement accounts. Automated information acquisition, account review and account settlement are realized, manual operations are reduced, account settlement efficiency is improved, and the efficiency of merchant account settlement results is thereby improved. The server can be an independent server or a server cluster.

[0028] In conjunction with the accompanying drawings, some embodiments of the present application are described in detail below. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.

[0029] See also Figure 1 , Figure 1 This is a schematic flow chart of a method for obtaining merchant account settlement results provided by an embodiment of the present application. The merchant account settlement result obtaining method can be applied to a server, and is used to obtain the merchant's pending account information and positive settlement order when the time of the daily settlement task arrives, and determine the pending settlement order according to the preset settlement time of the positive settlement order, generate the merchant's pending settlement accounts according to the pending settlement order and the pending account information, and finally settle the pending settlement accounts. It realizes automated information acquisition, account review and account settlement, reduces manual operations, improves account settlement efficiency, and thus improves the efficiency of obtaining merchant account settlement results.

[0030] like Figure 1 As shown, the method for obtaining merchant account settlement results specifically includes steps S101 to S104.

[0031] S101. When the preset daily settlement task time arrives, obtain the merchant's pending account information, at least one positive settlement order, and the preset settlement date corresponding to each of the positive settlement orders;

[0032] In one embodiment, the system reads the pending account information of all merchants from the database, including the pending account amount, pending account date, etc. The pending account information may include unsettled transactions, refunds, adjustments, etc.

[0033] In one embodiment, a positive liquidation order refers to a transaction record that has been completed but not yet settled. The system obtains all unsettled positive liquidation orders by querying the database.

[0034] In one embodiment, each forward clearing order has a preset settlement date that determines when settlement will occur.

[0035] S102, determining a settlement order to be settled based on a preset settlement date corresponding to the forward settlement order;

[0036] Furthermore, determining the settlement order to be settled based on the preset settlement date corresponding to the forward settlement order includes: obtaining the current date; and taking the forward settlement order having the same preset settlement date as the current date as the settlement order to be settled.

[0037] In one embodiment, the preset settlement date is a designated settlement date set by the merchant when the forward settlement order is generated.

[0038] In one embodiment, the system obtains the current date and time from the operating system or the server, wherein the system time is synchronized with the standard time, such as by NTP (Network Time Protocol).

[0039] In one embodiment, the obtained current date is recorded so as to be subsequently compared with the preset settlement date of the forward clearing order.

[0040] In one embodiment, the system traverses all forward settlement orders, checks the preset settlement date of each settlement order, and compares the preset settlement date with the current date for each forward settlement order.

[0041] In one embodiment, if the preset settlement date of the forward settlement order is the same as the current date, the settlement order is marked as pending settlement. All forward settlement orders marked as pending settlement can be aggregated to form a pending settlement settlement order list.

[0042] S103, generating the merchant's pending settlement account based on the pending settlement statement and the pending account information;

[0043] In one embodiment, the settlement order to be settled is combined with the merchant's pending account information.

[0044] In one embodiment, the accounts to be settled of each merchant are generated according to the settlement order to be settled and the pending account information, wherein the accounts to be settled may include accounts receivable, accounts payable, adjustment items, etc.

[0045] S104: When the accounts to be settled pass the review, the accounts to be settled are settled to obtain a settlement result.

[0046] In one embodiment, before settlement, the accounts to be settled need to be reviewed, which can be done automatically by financial personnel or by a reconciliation module to ensure the accuracy of the accounts and ensure that all data complies with financial regulations and business rules. The reconciliation module can be a module of the merchant clearing and settlement system itself, or it can be an independent reconciliation system that is connected to the merchant clearing and settlement system.

[0047] In one embodiment, if the account to be settled passes the review, the settlement operation is performed. After the settlement is completed, the system records the settlement results, which may include the settlement amount, date, status, etc. The settlement results can be used for subsequent audits, reports, etc.

[0048] In one embodiment, after obtaining the settlement result, a formal payment is initiated to the bank supervision account, and the supervision account will automatically transfer the corresponding amount of the payment to the merchant account balance, and the merchant can withdraw the cash by himself.

[0049] Furthermore, when the account to be settled passes the review, the account to be settled is settled, and before the settlement result is obtained, it also includes: sending the account to be settled to a preset reconciliation module; based on the reconciliation module, the account to be settled is reviewed to obtain the review result.

[0050] In one embodiment, the accounts to be settled are sent to a preset reconciliation module, wherein the reconciliation module is used to check and verify the correctness of the account data.

[0051] In one implementation, the reconciliation module will review the accounts to be settled according to the preset rules and algorithms. It can check the consistency of data, logic verification, anomaly detection, etc. During the review process, the system will check whether the accounts to be settled are consistent with orders, payment records, contract terms, tax information, etc., to ensure that all transactions are correctly recorded and calculated.

[0052] In one embodiment, after the audit is completed, the reconciliation module will generate an audit result, which lists in detail the items that have passed the audit and the items that have not passed the audit. The audit result will indicate the matters that need further processing, such as data correction, manual review, etc. If the audit fails, the audit result can be sent to the financial auditor, who will take the next step based on the result, or the system will conduct self-inspection to correct data errors, recalculate amounts, investigate abnormal transactions, etc. If the audit passes, the settlement operation is performed.

[0053] Furthermore, when the accounts to be settled pass the review, the accounts to be settled are settled, and after the settlement results are obtained, it also includes: obtaining the historical account information of the merchant; based on a preset prediction model and the historical account information, obtaining the predicted account amount of the merchant; based on the predicted account amount and the settlement results, generating a reserve fund reservation recommendation for the merchant.

[0054] In one embodiment, after the settlement is completed, the system will collect historical account data of a specific merchant, including but not limited to past transaction records, account balances, previous settlement amounts, etc.

[0055] In one embodiment, a preset prediction model is used in combination with the merchant's historical account information to calculate the merchant's predicted account amount in the future. The prediction model can be based on time series analysis, machine learning or other statistical methods to predict future financial trends.

[0056] Among them, the prediction model is obtained through historical data training. Specifically, collect historical account data, transaction records, merchant information, etc.; select features with high correlation with account information from the collected data, such as transaction frequency, transaction amount, merchant type, etc.; select a suitable prediction model, such as linear regression, decision tree, random forest, neural network, etc.; use historical data to train the selected model and adjust the model parameters until the model can better fit the historical data; verify the prediction ability of the model through cross-validation, time series segmentation and other methods to ensure the accuracy and generalization ability of the model, and use the verified model as the prediction model.

[0057] In one embodiment, a recommendation on reserve fund is generated by combining the predicted pending amount and the actual settlement result. This recommendation is intended to help merchants and settlement systems predict and prepare for funds that may be needed in the future to ensure sufficient liquidity to meet future order refund needs.

[0058] In one embodiment, based on the generated reserve fund reservation suggestion, the merchant can adjust the reserve fund amount in the settlement system, which helps the merchant to better manage its cash flow and reduce potential risks caused by capital shortage.

[0059] The above embodiment provides a method, device, computer equipment and storage medium for obtaining merchant account settlement results. When the preset daily settlement task time arrives, the merchant's pending account information, at least one positive settlement order and the preset settlement date corresponding to each positive settlement order are obtained; based on the preset settlement date corresponding to the positive settlement order, the settlement order to be settled is determined; based on the settlement order to be settled and the pending account information, the merchant's pending account is generated; when the pending account is reviewed, the pending account is settled to obtain the settlement result. This application can obtain the merchant's pending account information and positive settlement order when the daily settlement task time arrives, and determine the pending account settlement order according to the preset settlement time of the positive settlement order, generate the merchant's pending account according to the pending account settlement order and the pending account information, and finally settle the pending account. It realizes automated information acquisition, account review and account settlement, reduces manual operations, improves account settlement efficiency, and thus improves the efficiency of obtaining merchant account settlement results.

[0060] See also Figure 2 , Figure 2This is a schematic flow chart of a method for obtaining merchant account settlement results provided by an embodiment of the present application. The merchant account settlement result obtaining method can be applied to a server, and is used to automatically calculate the split account by real-time monitoring of order payment information, thereby improving the efficiency of obtaining the split account amount, and supporting the configuration of split account rules to meet the needs of different merchants. Asynchronous processing is achieved by using a message queue, and while monitoring order payment messages, the participants, payment amounts, and split account rules of previously monitored orders can also be obtained, thereby improving processing efficiency, and thereby improving the efficiency of obtaining merchant account settlement results.

[0061] like Figure 2 As shown, the method for obtaining the merchant account settlement result specifically includes steps S201 to S203.

[0062] S201. When it is detected that the order payment is successful, the order participants, payment amount and account splitting rules are obtained, wherein the participants include the merchant;

[0063] S202: based on the participant, the payment amount and the account splitting rule, obtaining the account splitting amount of the merchant;

[0064] S203: Generate a forward settlement statement corresponding to the order based on the split amount, and receive time information input by the merchant based on the forward settlement statement as a preset settlement date of the forward settlement statement.

[0065] In one embodiment, the participants generally include merchants and other entities that may participate in the transaction, the payment amount is the total amount of the order, and the account splitting rules define how to allocate the payment amount to each participant.

[0066] In one embodiment, when an order is paid successfully, the system captures this event and obtains detailed information about the order, including all parties involved (such as merchants, platforms, etc.), the payment amount, and pre-set account splitting rules.

[0067] In one embodiment, the split account amount refers to the amount allocated to the merchant according to the split account rule, and can be set by the merchant in the system as needed.

[0068] In one embodiment, the merchant's share amount is calculated based on the participants, the payment amount and the share rule, wherein the share rule may include the deduction rule of the handling fee, the promotion activity rule, and the distribution rule of the benefits of multiple parties.

[0069] In one embodiment, a corresponding forward settlement order is generated based on the calculated split amount. The settlement order records the settlement information of the order in detail, including the transaction number, the parties involved, the split amount, etc. The merchant can enter the time information based on the forward settlement order, and the time information is used as the preset settlement date, that is, the merchant's expected fund settlement date for the forward settlement order.

[0070] Furthermore, when it is detected that the order payment is successful, the participants, payment amount and account splitting rules of the order are obtained, including: when it is detected that the order payment is successful, an order payment success message is sent to a message queue; according to the order of the order payment success messages in the message queue, the participants, payment amount and account splitting rules of each order are obtained.

[0071] In one embodiment, when a consumer completes payment on an e-commerce platform, it will be confirmed whether the payment is successful. If the payment is successful, a message indicating that the order payment is successful will be generated and sent to a message queue.

[0072] In one embodiment, the message queue is used as a middleware to receive, store and forward messages of successful order payment, thereby ensuring the persistence and asynchronous processing of messages and improving the response speed and reliability of the system.

[0073] In a specific embodiment, the message queue maintains a first-in-first-out queue according to the order in which the messages arrive. The merchant clearing and settlement system will process the payment success message of each order in this order.

[0074] In one embodiment, detailed information of the order is extracted for each successful payment message, including the parties involved, the payment amount, and the account splitting rules. The parties involved may include merchants, platforms, payment service providers, etc. The payment amount is the total amount paid by the consumer for the order. The account splitting rules define how the payment amount is allocated to different parties according to a preset ratio or condition.

[0075] In the above embodiment, by monitoring order payment information in real time and automatically calculating the split account, the efficiency of obtaining the split account amount is improved, and the configuration of the split account rules is supported to meet the needs of different merchants. The message queue is used to implement asynchronous processing. While monitoring the order payment message, the participants, payment amount and split account rules of the previously monitored order can also be obtained, which improves the processing efficiency and thus improves the efficiency of obtaining the merchant's account settlement results.

[0076] See also Figure 3 , Figure 3This is a schematic flow chart of a method for obtaining merchant account settlement results provided by an embodiment of the present application. The merchant account settlement result obtaining method can be applied to a server, and is used to automatically calculate refunds by real-time monitoring of order refund information, and use a message queue to implement asynchronous processing. While monitoring order refund messages, refund information of previously monitored orders can also be obtained, thereby improving processing efficiency, and thereby improving the efficiency of obtaining merchant account settlement results.

[0077] like Figure 3 As shown, the method for obtaining merchant account settlement results specifically includes steps S301 to S303.

[0078] S301. When it is detected that the order refund is successful, the refund information of the order is obtained, and a reverse settlement order is generated based on the refund information;

[0079] S302: When the preset refund settlement conditions are met, the refund amount of the merchant is calculated based on the reverse settlement order;

[0080] S303: When the account reserve of the merchant is less than the refund amount, generate the pending account information based on the refund amount and the account reserve.

[0081] In one embodiment, when a successful order refund is detected, an order refund message is sent to a message queue, and according to the order of the refund messages in the message queue, refund information of each refund order is obtained, including the refund amount, refund reason, etc.

[0082] In one embodiment, based on the refund information, the system generates a reverse settlement slip to record the details of the refund, including the transaction ID, refund amount, merchants involved, etc.

[0083] In one embodiment, the reverse settlement sheet is mainly used to record and process refund transactions. When a refund occurs on an order, a reverse settlement sheet needs to be generated in order to accurately record and calculate the refund amount and related information. Specifically, the reverse settlement sheet records in detail the relevant information of the refund, such as the refund amount, the reason for the refund, the refund time, the merchants and consumers involved, etc. Based on the refund information on the reverse settlement sheet, the amount that the merchant needs to refund to the consumer can be accurately calculated. If the merchant's account reserve is not enough to pay the refund amount, the reverse settlement sheet will also trigger the pending account process and generate pending account information.

[0084] In one embodiment, when preset refund settlement conditions are met, for example, the refund conditions may be that the refund application is approved, the refund operation is completed within a specified time, etc., the merchant's refund amount is calculated based on the reverse settlement order.

[0085] In one embodiment, after calculating the refund amount of each merchant, the refund information is synchronized to the bank supervision system, and an attempt is made to deduct it from the merchant supervision sub-account reserve. If the merchant's account reserve is less than the refund amount, the system will generate pending account information based on the difference between the refund amount and the account reserve. Among them, the pending account information is a record of the funding gap that the merchant needs to make up in the future. It will be displayed as a negative balance or arrears in the merchant's account and needs to be resolved within a specified time.

[0086] In the above embodiment, by monitoring order refund information in real time, automatically calculating the refund, and using a message queue to implement asynchronous processing, while monitoring order refund messages, the refund information of previously monitored orders can also be obtained, thereby improving processing efficiency and further improving the efficiency of obtaining merchant account settlement results.

[0087] See also Figure 4 , Figure 4 The embodiment of the present application provides a schematic block diagram of a merchant account settlement result obtaining device, which is used to execute the above-mentioned merchant account settlement result obtaining method. The merchant account settlement result obtaining device can be configured on a server.

[0088] like Figure 4 As shown, the merchant account settlement result obtaining device 400 includes:

[0089] The relevant information acquisition unit 401 is used to acquire the merchant's pending account information, at least one positive settlement order and the preset settlement date corresponding to each positive settlement order when the preset daily settlement task time arrives;

[0090] A settlement order determination unit 402, configured to determine a settlement order to be settled based on a preset settlement date corresponding to the forward settlement order;

[0091] The to-be-settled account generating unit 403 is used to generate the to-be-settled account of the merchant based on the to-be-settled liquidation form and the pending account information;

[0092] The settlement result obtaining unit 404 is used to settle the account to be settled and obtain a settlement result when the account to be settled passes the review.

[0093] Furthermore, the merchant account settlement result obtaining device 400 further includes a positive settlement order generating module, and the positive settlement order generating module includes:

[0094] An order information acquisition unit, used to acquire the order participants, payment amount and account splitting rules when detecting that the order payment is successful, wherein the participants include the merchant;

[0095] A split amount obtaining unit, configured to obtain the split amount of the merchant based on the participant, the payment amount and the split rule;

[0096] A positive settlement order generating unit is used to generate a positive settlement order corresponding to the order based on the split-account amount, and receive time information input by the merchant based on the positive settlement order as a preset settlement date of the positive settlement order.

[0097] Furthermore, the order information acquisition unit includes:

[0098] A message sending unit, configured to send an order payment success message to a message queue when detecting that the order payment is successful;

[0099] The information acquisition unit is used to obtain the participants, payment amount and account splitting rules of each order according to the order sequence of successful order payment messages in the message queue.

[0100] Furthermore, the merchant account settlement result obtaining device 400 further includes a pending account information generating module, and the pending account information generating module includes:

[0101] A reverse settlement order generating unit, configured to obtain refund information of an order when detecting that an order refund is successful, and generate a reverse settlement order based on the refund information;

[0102] A refund amount calculation unit, configured to calculate the refund amount of the merchant based on the reverse settlement order when a preset refund settlement condition is met;

[0103] The pending account information generating unit is used to generate the pending account information based on the refund amount and the account reserve when the account reserve of the merchant is less than the refund amount.

[0104] Furthermore, the merchant account settlement result obtaining device 400 further includes an account review module, and the account review module includes:

[0105] An account sending unit, used for sending the account to be settled to a preset account reconciliation module;

[0106] The audit result obtaining unit is used to audit the to-be-settled accounts based on the reconciliation module to obtain audit results.

[0107] Furthermore, the merchant account settlement result obtaining device 400 further includes a suggestion generating module, and the suggestion generating module includes:

[0108] A historical pending account information acquisition unit, used to acquire the historical pending account information of the merchant;

[0109] A pending account amount prediction unit, configured to obtain a predicted pending account amount of the merchant based on a preset prediction model and the historical pending account information;

[0110] A suggestion generating unit is used to generate a reserve fund reservation suggestion for the merchant based on the predicted pending account amount and the settlement result.

[0111] Furthermore, the settlement order determination unit 402 includes:

[0112] The current date acquisition unit is used to obtain the current date;

[0113] The to-be-settled liquidation order determining unit is configured to use the forward liquidation order having the same preset settlement date as the current date as the to-be-settled liquidation order.

[0114] It should be noted that those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working process of the above-described device and each module can refer to the corresponding process in the aforementioned method embodiment, and will not be repeated here.

[0115] The above-mentioned device can be implemented in the form of a computer program. Figure 5 Runs on the computer device shown.

[0116] See also Figure 5 , Figure 5 1 is a schematic block diagram of a computer device provided in an embodiment of the present application. The computer device may be a server.

[0117] See also Figure 5 The computer device includes a processor, a memory and a network interface connected through a system bus, wherein the memory may include a non-volatile storage medium and an internal memory.

[0118] The non-volatile storage medium can store an operating system and a computer program. The computer program includes program instructions, and when the program instructions are executed, the processor can execute any method for obtaining a merchant account settlement result.

[0119] The processor is used to provide computing and control capabilities and support the operation of the entire computer equipment.

[0120] The internal memory provides an environment for the operation of the computer program in the non-volatile storage medium. When the computer program is executed by the processor, the processor can execute any method for obtaining merchant account settlement results.

[0121] The network interface is used for network communication, such as sending assigned tasks, etc. Those skilled in the art will understand that Figure 5The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0122] It should be understood that the processor may be a central processing unit (CPU), and the processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0123] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0124] When the preset daily settlement task time arrives, obtain the merchant's pending account information, at least one positive settlement order, and the preset settlement date corresponding to each of the positive settlement orders;

[0125] Determining a settlement order to be settled based on a preset settlement date corresponding to the forward settlement order;

[0126] Based on the settlement order to be settled and the pending account information, generating the pending account of the merchant;

[0127] When the accounts to be settled pass the review, the accounts to be settled are settled to obtain a settlement result.

[0128] In one embodiment, the processor is further configured to implement, before the preset daily settlement task time arrives, obtaining the merchant's pending account information, at least one positive settlement order, and the preset settlement date corresponding to each positive settlement order, and:

[0129] When it is detected that the order payment is successful, the order participants, payment amount and account splitting rules are obtained, wherein the participants include the merchant;

[0130] Based on the participant, the payment amount and the account splitting rule, obtaining the account splitting amount of the merchant;

[0131] Based on the split amount, a forward settlement statement corresponding to the order is generated, and time information input by the merchant based on the forward settlement statement is received as a preset settlement date of the forward settlement statement.

[0132] In one embodiment, when the processor is implementing obtaining the order participants, payment amount and account splitting rules upon detecting that the order payment is successful, it is used to implement:

[0133] When the order payment is detected to be successful, the order payment success message is sent to the message queue;

[0134] According to the order sequence of successful order payment messages in the message queue, the participants, payment amount and account splitting rules of each order are obtained.

[0135] In one embodiment, the processor is further configured to implement, before the preset daily settlement task time arrives, obtaining the merchant's pending account information, at least one positive settlement order, and the preset settlement date corresponding to each positive settlement order, and:

[0136] When detecting that the order refund is successful, obtaining the refund information of the order, and generating a reverse settlement order based on the refund information;

[0137] When the preset refund settlement conditions are met, the refund amount of the merchant is calculated based on the reverse settlement order;

[0138] When the account reserve of the merchant is less than the refund amount, the pending account information is generated based on the refund amount and the account reserve.

[0139] In one embodiment, the processor, when the account to be settled passes the review, settles the account to be settled, and before obtaining the settlement result, is further used to implement:

[0140] Sending the pending settlement account to a preset reconciliation module;

[0141] Based on the reconciliation module, the accounts to be settled are audited to obtain audit results.

[0142] In one embodiment, the processor settles the account to be settled when the account to be settled passes the review, and after obtaining the settlement result, is further used to implement:

[0143] Obtain the merchant's historical pending account information;

[0144] Based on a preset prediction model and the historical account suspension information, a predicted account suspension amount of the merchant is obtained;

[0145] Based on the predicted outstanding amount and the settlement result, a reserve fund reservation suggestion for the merchant is generated.

[0146] In one embodiment, when the processor determines the settlement order to be settled based on the preset settlement date corresponding to the forward settlement order, it is configured to implement:

[0147] Get the current date;

[0148] The forward settlement order with the same preset settlement date as the current date is used as the settlement order to be settled.

[0149] A computer-readable storage medium is also provided in an embodiment of the present application, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and the processor executes the program instructions to implement any merchant account settlement result obtaining method provided in the embodiment of the present application.

[0150] The computer-readable storage medium may be an internal storage unit of the computer device described in the foregoing embodiment, such as a hard disk or memory of the computer device. The computer-readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, a smart memory card (Smart Medi a Card, SMC), a secure digital (Secure Digital, SD) card, a flash memory card (Flash Card), etc., equipped on the computer device.

[0151] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. A method for obtaining merchant account settlement results, characterized in that: include: When the preset daily settlement task time arrives, obtain the merchant's pending account information, at least one positive settlement order, and the preset settlement date corresponding to each of the positive settlement orders; Determining a settlement order to be settled based on a preset settlement date corresponding to the forward settlement order; Based on the settlement order to be settled and the pending account information, generating the pending account of the merchant; When the accounts to be settled pass the review, the accounts to be settled are settled to obtain a settlement result.

2. The method for obtaining merchant account settlement results according to claim 1, characterized in that: When the preset daily settlement task time arrives, obtaining the merchant's pending account information, at least one positive settlement order, and the preset settlement date corresponding to each positive settlement order includes: When it is detected that the order payment is successful, the order participants, payment amount and account splitting rules are obtained, wherein the participants include the merchant; Based on the participant, the payment amount and the account splitting rule, obtaining the account splitting amount of the merchant; Based on the split amount, a forward settlement statement corresponding to the order is generated, and time information input by the merchant based on the forward settlement statement is received as a preset settlement date of the forward settlement statement.

3. The method for obtaining merchant account settlement results according to claim 2, characterized in that: When the order payment is detected to be successful, the order participants, payment amount and account splitting rules are obtained, including: When the order payment is detected to be successful, the order payment success message is sent to the message queue; According to the order sequence of successful order payment messages in the message queue, the participants, payment amount and account splitting rules of each order are obtained.

4. The method for obtaining merchant account settlement results according to claim 1, characterized in that: When the preset daily settlement task time arrives, the merchant's pending account information, at least one positive settlement order and the preset settlement date corresponding to each positive settlement order are obtained, and the method further includes: When detecting that the order refund is successful, obtaining the refund information of the order, and generating a reverse settlement order based on the refund information; When the preset refund settlement conditions are met, the refund amount of the merchant is calculated based on the reverse settlement order; When the account reserve of the merchant is less than the refund amount, the pending account information is generated based on the refund amount and the account reserve.

5. The method for obtaining merchant account settlement results according to claim 1, characterized in that: When the accounts to be settled pass the review, the accounts to be settled are settled, and before the settlement results are obtained, the following steps are also included: Sending the pending settlement account to a preset reconciliation module; Based on the reconciliation module, the accounts to be settled are audited to obtain audit results.

6. The method for obtaining merchant account settlement results according to claim 1, characterized in that: When the accounts to be settled pass the review, the accounts to be settled are settled, and after the settlement results are obtained, the following steps are also included: Obtain the merchant's historical pending account information; Based on a preset prediction model and the historical account suspension information, a predicted account suspension amount of the merchant is obtained; Based on the predicted outstanding amount and the settlement result, a reserve fund reservation suggestion for the merchant is generated.

7. The method for obtaining merchant account settlement results according to any one of claims 1 to 6, characterized in that: The determining of the settlement order to be settled based on the preset settlement date corresponding to the forward settlement order includes: Get the current date; The forward settlement order with the same preset settlement date as the current date is used as the settlement order to be settled.

8. A device for obtaining merchant account settlement results, characterized in that: include: A relevant information acquisition unit, configured to acquire the merchant's pending account information, at least one positive settlement order, and a preset settlement date corresponding to each of the positive settlement orders when the preset daily settlement task time arrives; A settlement order determination unit, configured to determine a settlement order to be settled based on a preset settlement date corresponding to the forward settlement order; An account-to-be-settled generating unit, configured to generate the merchant's account-to-be-settled based on the clearing order to be settled and the pending account information; The settlement result obtaining unit is used to settle the account to be settled and obtain the settlement result when the account to be settled passes the review.

9. A computer device, characterized in that: The computer device includes a memory and a processor; The memory is used to store computer programs; The processor is used to execute the computer program and implement the merchant account settlement result obtaining method according to any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the processor implements the method for obtaining a merchant account settlement result according to any one of claims 1 to 7.

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