Merchant information input method, device and equipment based on multiple channels and storage medium

Abstract

The invention relates to a merchant information input method and device based on multiple channels, computer equipment and a storage medium. The method comprises the steps of obtaining to-be-input commercial tenant information of a target commercial tenant; performing general verification on the to-be-input merchant information according to a general verification rule; after the general verification succeeds, determining a plurality of target input channels corresponding to the target merchant according to the to-be-input merchant information; performing specialization verification on the information of the to-be-input commercial tenants according to the channel specialization rules corresponding to the target input channels; and sending the information of the to-be-input commercial tenants to each target input channel which is successfully subjected to the specialized verification so as to respectively carry out an input process. By adopting the method, the automation of the feeding process and the feeding efficiency can be improved.

Description

Technical Field

[0001] The present application relates to the field of computer software technology, and in particular to a merchant information submission method, device, computer equipment and storage medium based on multiple channels. Background Art

[0002] With the development of computer software technology, SaaS (Software as a Service) platform has emerged, which is a software delivery model platform. At present, for industry SaaS platforms, the technology for merchants to connect to payment channels is limited to the connection of a single channel, that is, it maintains a one-to-one connection relationship between the platform (where the merchant is located) and the channel.

[0003] However, when the platform's business volume reaches a certain scale, it needs to connect to more channels from the perspectives of cost, service stability, and operating risk. The traditional one-to-one submission method has high labor costs and low submission efficiency, and cannot meet the business volume needs. Summary of the invention

[0004] Based on this, it is necessary to provide a multi-channel merchant information submission method, device, computer equipment and storage medium that can improve the submission efficiency in response to the above technical problems.

[0005] In a first aspect, a merchant information submission method based on multiple channels is provided, the method comprising:

[0006] Obtain the merchant information of the target merchant to be processed;

[0007] Perform general verification on the merchant information of incoming applications according to general verification rules;

[0008] After the universal verification is successful, multiple target entry channels corresponding to the target merchants are determined according to the merchant information to be entered;

[0009] Perform specialized verification on the merchant information of incoming applications according to the channel-specific rules corresponding to each target application channel;

[0010] The merchant information to be processed is sent to each target processing channel that has passed the specialized verification to carry out the processing separately.

[0011] In some embodiments, the merchant information to be received is generally verified according to the general verification rules, including:

[0012] By calling the general rule checker in the rule engine, it is verified whether at least one of the company name, social unified credit code, business license image or photo, legal person information, and contact information in the merchant information to be submitted meets the requirements of the general verification rules.

[0013] In some embodiments, the merchant information to be processed is subjected to a specialized check according to the channel-specific rules corresponding to each target processing channel, including:

[0014] The channel-specific rules of each target input channel are respectively obtained through the specialized rule checker corresponding to each target channel; wherein each channel-specific rule is configurable and different according to the requirements of each target input channel;

[0015] Each specialized rule checker performs specialized verification on the merchant information to be received according to the specialized rules of each channel.

[0016] In some embodiments, at least one channel-specific rule is configured to verify whether the associated account has been opened, and each specialized rule checker performs specialized verification on the merchant information to be received according to each channel-specific rule, including:

[0017] At least one specialized rule checker obtains business status information and account opening status information of upper-level merchants associated with the target merchant;

[0018] Verify whether the upper-level merchant has opened an account based on the account opening status information;

[0019] Verify, based on the business status information, whether the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened;

[0020] If the upper-level merchant has opened an account and the business status information verifies that the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened, it is confirmed that the specialized verification of at least one specialized rule checker is successful.

[0021] In some embodiments, before sending the merchant information to be processed to each target processing channel that has passed the specialized verification to perform the processing respectively, the method further includes:

[0022] Send the merchant information that has undergone specialized verification to the review terminal;

[0023] In response to the confirmation instruction of the review terminal, the step of sending the merchant information to be submitted to each target submission channel that has passed the specialized verification to carry out the submission process respectively is entered.

[0024] In some embodiments, the merchant information to be processed is sent to each target processing channel that has passed the specialized verification to perform the processing flow respectively, including:

[0025] Obtain identification information of each target feed channel and channel assembly requirements;

[0026] According to the identification information of each target entry channel and the channel assembly requirements, the merchant information to be entered that has passed the specialized verification is assembled into a transmission data packet that meets the format parameter requirements of each target entry channel;

[0027] Each transmission data packet is transmitted to each corresponding target input channel according to each identification information.

[0028] In some embodiments, the method further comprises:

[0029] After at least one target application channel is opened, the merchant state machine corresponding to the target merchant is controlled to enter the final state, and the corresponding application channel that has been opened and the application channel to be used are marked for the target merchant.

[0030] In a second aspect, a merchant information feeding device based on multiple channels includes:

[0031] An information acquisition module is used to obtain the merchant information of the target merchant to be processed;

[0032] A general verification module is used to perform general verification on the merchant information to be received according to general verification rules;

[0033] A channel determination module is used to determine multiple target application channels corresponding to target merchants according to the merchant information to be applied for after the universal verification is successful;

[0034] A specialized verification module is used to perform specialized verification on the merchant information of the incoming documents according to the channel-specific rules corresponding to each target incoming document channel;

[0035] The routing distribution module is used to send the merchant information to be processed to each target processing channel that has passed the specialized verification to carry out the processing flow respectively.

[0036] According to a third aspect, a computer device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the method according to the first aspect when executing the computer program.

[0037] According to a fourth aspect, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the steps of the method according to the first aspect are implemented.

[0038] The above-mentioned merchant information submission method, device, computer equipment and storage medium based on multiple channels first perform a general check on the merchant information to be submitted of the target merchant, and then perform specialized checks based on the channel-specific rules of each target channel according to the multiple target channels to be submitted. By adopting this solution, the same business entity (merchant) can complete the submission of multiple channels on the platform simultaneously or sequentially, and can meet the submission requirements of each channel. It can support one-time data collection and entry to complete the submission process of multiple channels, thereby improving the automation and efficiency of the submission process. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] Figure 1 FIG. 1 is an application environment diagram of a merchant information submission method based on multiple channels in some embodiments;

[0040] Figure 2 Schematic diagram of a process of a merchant information submission method based on multiple channels in some embodiments;

[0041] Figure 3 A data model that represents the storage association relationship between data in some embodiments;

[0042] Figure 4 A schematic diagram of the state changes of a merchant state machine and a channel state machine during the application process in some embodiments;

[0043] Figure 5 The flowchart of the merchant information submission method based on multiple channels in some application examples is shown;

[0044] Figure 6 is a structural block diagram of a merchant information feeding device based on multiple channels in some embodiments;

[0045] Figure 7 1 is a diagram of the internal structure of a computer device in some embodiments. DETAILED DESCRIPTION

[0046] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0047] The merchant information submission method based on multiple channels provided in this application can be applied to Figure 1 In the application environment shown, the merchant terminal 102 of the business platform, the verification server 104 and the channel server 106 of the channel platform communicate with each other through the network.

[0048] Specifically, the merchant terminal 102 of the business platform can input or collect the merchant information of the target merchant to be submitted, and send it to the verification server 104. After the verification server 104 obtains the merchant information of the target merchant to be submitted, it performs a general verification on the merchant information to be submitted according to the general verification rules. After the general verification is successful, multiple target submission channels corresponding to the target merchant are determined according to the merchant information to be submitted, and the merchant information to be submitted is respectively subjected to specialized verification according to the channel-specific rules corresponding to each target submission channel. The merchant information to be submitted is sent to each target submission channel where the specialized verification succeeds, so that the channel server 106 of the channel platform can respectively carry out the subsequent submission process.

[0049] The merchant terminal 102 may be, but is not limited to, various personal computers, laptop computers, smart phones, tablet computers, and portable wearable devices, and the verification server 104 and the channel server 106 may be implemented as an independent server or a server cluster consisting of multiple servers.

[0050] In some embodiments, Figure 2 As shown, a method for submitting merchant information based on multiple channels is provided, and the method is applied to Figure 1 The terminal in is used as an example to illustrate, including the following steps:

[0051] Step 202, obtaining the merchant information of the target merchant to be processed.

[0052] In this step, the target merchant can be any merchant in the business entity. The business entity's submission needs to maintain the relationship between the business entity and the merchant, and describe the facts and status of the merchant's submission. The initiation of the submission is based on the merchant. Therefore, the relationship between the business entity and the merchant can be one-to-one, and the status of the submission can also be maintained based on the merchant.

[0053] The merchant information to be submitted is the information required in the submission process. The merchant information to be submitted can come from external input, and the input method includes but is not limited to page entry, data call, etc., and can also adopt the data synchronization method of other systems. After the merchant information to be submitted is collected, it enters the data inspection stage.

[0054] Step 204: Perform a general verification on the merchant information to be received according to the general verification rules.

[0055] Among them, the merchant information to be submitted requires strict data verification to ensure the integrity, authenticity, and correctness of the merchant information to be submitted. The accuracy of data verification is positively correlated with the success rate of the channel.

[0056] In this step, the verification server can call the general rule checker in the rule engine, obtain the general verification rules pre-configured based on the rule engine, and first perform the first level verification on the merchant information to be submitted, that is, perform a general verification on the merchant information to be submitted based on the general verification rules.

[0057] Among them, the general verification rules are configured according to the requirements of each channel.

[0058] Exemplarily, the general verification rules are verification rules based on the information that each channel is required to submit and are configured based on this information. For example, the verifiable information includes but is not limited to: company name, social unified credit code, business license picture / photo, legal person information (including but not limited to name, ID number, ID photo), contact information (including but not limited to name, mobile phone number, email address, etc.), etc.

[0059] Step 206, after the universal verification is successful, multiple target submission channels corresponding to the target merchants are determined according to the merchant information to be submitted.

[0060] In this step, if the general verification is successful, it can be said that the merchant information to be submitted meets the general basic requirements of the channel used. On this basis, the channels that need to be submitted can be determined according to the channel identifiers in the merchant information to be submitted submitted by the target merchants. The determined channels are used as target submission channels. After determining the target submission channels, the merchant information to be submitted can be subjected to specialized verification through the specialized rule checkers corresponding to each target submission channel.

[0061] Furthermore, if the universal verification fails, it may indicate that the merchant information to be submitted does not meet the general basic requirements of any channel. Therefore, a prompt message may be generated and sent to the merchant terminal of the target merchant to prompt the target merchant to supplement the materials.

[0062] Step 208, performing specialized verification on the merchant information to be input according to the channel-specific rules corresponding to each target input channel.

[0063] In this step, channel-specific rules are verification rules configured based on the special requirements of each channel. For example, for channel A, the special requirement may be the need to submit an "account opening authorization letter for XX application", and for channel B, the special requirement may be the need to submit a "storefront photo" and "scene photo", etc.

[0064] Specifically, the verification server can call the specialized rule checkers corresponding to each target application channel to perform specialized verification on the merchant information to be applied based on the channel specialized rules of each target application channel. The channel specialized rules can be customized and stored based on the specialized rule checkers.

[0065] Step 210, the merchant information to be processed is sent to each target processing channel that has passed the specialized verification to carry out the processing flow respectively.

[0066] In this step, if the specialized verification of any target application channel succeeds, it means that the merchant information to be applied meets all the requirements of the target application channel (including general requirements and specialized requirements). Therefore, the merchant information to be applied can be routed to the target application channel, and the channel server corresponding to the target application channel will perform the subsequent application process. If there are multiple target application channels that have successfully undergone specialized verification, the merchant information to be applied can be sent to each target application channel that has successfully undergone specialized verification to perform the application process separately. Furthermore, if all target application channels have not successfully undergone specialized verification, the merchant information to be applied can be bound to the target merchant and stored. After the target merchant adds the supplementary merchant information to be applied again, it directly enters the second-level specialized verification stage.

[0067] Furthermore, the merchant information to be processed can be bound to the target merchant and then stored. In response to the target merchant's request for processing again, the target merchant's supplementary merchant information to be processed can be obtained, and the stored merchant information to be processed corresponding to the target merchant can be called. The general verification can be skipped, and specialized verification can be directly performed based on the stored merchant information to be processed and the supplementary merchant information to be processed.

[0068] Merchant information that complies with general rules and is maintained based on the merchant dimension can be shared by multiple channels. For example, image information such as business licenses and legal person certificates only needs to be maintained in one copy based on the merchant dimension. This ensures that after one submission, it can be applied to multiple channels at the same time. Information can also be reused when submitting applications in sequence, thereby reducing repeated operations.

[0069] For example, merchant A submits applications through three channels a, b, and c, and the merchant's main information (e.g., tax number, legal person information, bank account, etc.) is submitted to channels a, b, and c at the same time. If merchant A submits application a first and then b and c, or merchant A submits application c at the same time and is rejected, and then resubmits after updating the information, the merchant's main information will reuse the information submitted when submitting application a before, and there is no need to re-enter it. Only the specialized information specific to c needs to be submitted separately for specialized verification.

[0070] In the scenario of multi-channel docking, merchants and channels (account channels) are in a one-to-many relationship. The account information indicates the channel to which it belongs, the type, and the account opening status, and corresponds to the internal information and status of the channel institution, including but not limited to the payment scenarios and fees related to the payment products that need to be opened. The channels here include but are not limited to the account channels of banks, payment institutions, third-party aggregated payment service providers and other platforms.

[0071] The above-mentioned multi-channel-based merchant information submission method first performs a general verification on the merchant information to be submitted of the target merchant, and then performs specialized verification based on the channel-specific rules of each target channel according to the multiple target channels to be submitted. By adopting this solution, the same business entity (merchant) can complete the submission of multiple channels on the platform simultaneously or sequentially, and can meet the submission requirements of each channel. It can support one-time data collection and entry to complete the submission process of multiple channels, thereby improving the automation and efficiency of the submission process.

[0072] The channels here include but are not limited to banks, payment institutions (WeChat, Alipay, etc.), third-party aggregated payment service providers

[0073] In some embodiments, a general verification is performed on the merchant information to be submitted according to the general verification rules, including: calling the general rule checker in the rule engine to verify whether the company name, social unified credit code, business license image or photo, legal person information and contact information in the merchant information to be submitted meet the requirements of the general verification rules.

[0074] In this embodiment, the general verification rules are supported to be configurable, and the general verification rules that meet the basic requirements of each channel can be configured according to the basic requirements of each channel, which can improve the configuration flexibility of the general verification rules and improve the accuracy of the first-layer general verification.

[0075] In some embodiments, specialized checks are performed on the merchant information to be submitted according to the channel-specific rules corresponding to each target submission channel, including: obtaining the channel-specific rules of each target submission channel through the specialized rule checkers corresponding to each target channel; wherein each channel-specific rule is configurable and different according to the requirements of each target submission channel; each specialized rule checker performs specialized checks on the merchant information to be submitted according to the specialized rules of each channel.

[0076] In this embodiment, each channel specialization rule is configurable and can be different according to the requirements of each target application channel. Each specialization rule checker is used to maintain the channel specialization rules of each corresponding target application channel, and the number of specialization rule checkers can be adjusted according to the increase or decrease of channels. In this embodiment, by configuring corresponding channel specialization rules and corresponding specialization rule checkers for each target application channel, it is possible to flexibly support different application requirements of multiple channels and quickly meet the one-to-many application requirements of merchants and channels.

[0077] In some embodiments, at least one channel specialized rule is configured to verify whether an associated account has been opened, and each specialized rule checker performs specialized verification on the merchant information to be received according to each channel specialized rule, including: at least one specialized rule checker obtains the business status information and account opening status information of the upper-level merchant associated with the target merchant; verifies whether the upper-level merchant has opened an account according to the account opening status information; verifies whether the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened according to the business status information; if the upper-level merchant has opened an account and the business status information verifies that the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened, it is confirmed that the specialized verification of at least one specialized rule checker is successful.

[0078] In this embodiment, since different account hierarchical models can be configured inside each channel (for example, there can be a three-level account model, or a main and sub-level account model), when merchants submit applications, they need to have certain data status of merchants at other levels as a prerequisite. In the case of such channels for submission, the channel specialization rule can be set as "verify whether the associated account has been opened" according to the requirements of such channels. Therefore, when the target merchant submits applications to such channels, the business status information and account opening status information of the upper-level merchant associated with the target merchant can be obtained to determine whether the upper-level merchant has opened an account, and determine whether the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened, so that the submission verification of multi-level associated channels can be accurately performed. In the case of multiple channels, the automation of multi-channel rule verification is realized, and even if the data quality of data collection is not high, the workload of manual processing can be reduced, and the efficiency and success rate of submission can be improved.

[0079] In some embodiments, before sending the merchant information to be submitted to each target submission channel that has successfully undergone specialized verification to respectively carry out the submission process, the method also includes: sending the merchant information to be submitted that has undergone specialized verification to the review terminal; and in response to the confirmation instruction of the review terminal, entering the step of sending the merchant information to be submitted to each target submission channel that has successfully undergone specialized verification to respectively carry out the submission process.

[0080] In this embodiment, after the specialized verification is completed, the application process can be transferred to the review stage, that is, the merchant information of the application that has successfully completed the specialized verification can be sent to the review terminal for multi-level manual review, wherein the review stage can be based on the multi-level approval flow, and the final review and verification can be completed manually. In this embodiment, by inserting a manual review stage in the automated application process, the accuracy and success rate of the application can be further improved.

[0081] In some embodiments, identification information and channel assembly requirements of each target submission channel are obtained; merchant information to be submitted that has passed specialized verification is assembled into a transmission data packet that meets the format parameter requirements of each target submission channel according to the identification information and channel assembly requirements of each target submission channel; and each transmission data packet is transmitted to each corresponding target submission channel according to each identification information.

[0082] In this embodiment, after completing the automated verification (general verification and specialized verification) and manual review, the data of the incoming document can be stored, for example, according to Figure 3 Furthermore, based on the channel identifier of each target channel in the merchant information to be processed, the merchant information to be processed can be assembled into parameters of corresponding formats according to the channel requirements of each target channel to generate a transmission data packet matching the transmission requirements of each target channel, and the transmission data packet can be transmitted to the remote server system (channel server) corresponding to each target channel through network communication.

[0083] according to Figure 3 The data model shown in can associate and store the business entity, the entity's pending merchants, the target merchants, the target application channel, and the target merchants' pending merchant information.

[0084] In some embodiments, the method further includes: after at least one target application channel is opened, controlling the merchant state machine corresponding to the target merchant to enter the final state, and marking the corresponding opened application channel and the application channel to be used for the target merchant.

[0085] In this embodiment, based on the above data model and application business process, a state machine can also be configured, and the state machine can be divided into a merchant level and a channel level. Figure 4 As shown, Figure 4 A schematic diagram showing the state changes of a merchant state machine and a channel state machine during the application process in some embodiments.

[0086] from Figure 4 As can be seen in the figure, the merchant state machine can show at least one of the following states: Submitting merchant information to be submitted (draft), being automatically verified, being manually reviewed, passed review, rejected, account opened, etc. The merchant state machine is used to record the status of the merchant at each stage of the application process. The state machine of each channel is used to record the status of each channel at each stage of the application process, and can show at least one of the following states: not opened, under review, opening, account opened, etc.

[0087] In this embodiment, the merchant state machine corresponds to the merchant information in the data model. Merchant information is of the subject dimension, so the state machine describes the overall application process status under the merchant dimension. Merchants will open accounts in multiple channels, and the process status of opening accounts in each channel is described by the state machine of each channel. When applying through multiple channels, at least one channel has completed account opening, the merchant status will enter the final state, and the opened channel and its available channels to be used will be identified in the merchant state machine. Therefore, the merchant state machine can timely show the status of the target merchant's application at each stage, so that effective prompts can be provided, and the account opening results can be reflected in a timely and accurate manner.

[0088] Next, the method for submitting merchant information based on multiple channels involved in this application is described in conjunction with an application example. Figure 5 As shown, Figure 5 The flowchart of the method for submitting merchant information based on multiple channels in some application examples is shown. Specifically, it may include:

[0089] 1. Data collection: The merchant information to be submitted can be sourced from external input: the input method is not limited to page entry, and can also be data synchronization from other systems. After data collection, the data verification stage begins.

[0090] 2. Data verification

[0091] Data collection requires strict data verification to ensure the integrity, authenticity, and correctness of the data, which is positively correlated with the success rate of submission.

[0092] Data verification consists of two layers of rules: general verification rules and channel-specific rules. Channel rules are maintained by the rule engine. The data is first verified by the general rule checker to see if it complies with general rules. Then, based on the target application channel, the data is verified by the corresponding channel's specialized rule checker to determine whether it complies with the special requirements of each channel (for example, based on the different account hierarchy models within each channel, the merchant's application needs to have certain data status of merchants at other levels as a prerequisite). The data verification stage realizes the automation of multi-channel rule verification, which reduces the workload required for subsequent manual processing when the data quality of data collection is not high.

[0093] 3. Multi-level manual review

[0094] After the data verification is completed, the process will flow to the review stage. The review is based on a multi-level approval flow, and the final review and verification is completed manually.

[0095] 4. Route distribution

[0096] After verification and review, the data will be stored according to the data model. Based on the channel identification of each account information in the merchant information to be submitted, the system will assemble the merchant information to be submitted into parameters of the corresponding format according to the channel requirements, and transmit the assembled data packet of the merchant information to be submitted to the remote system (channel server) corresponding to the channel through network communication.

[0097] 5. Channel submission process

[0098] Subsequent work is completed by the corresponding channels, and the results of the input of each channel reflect the final status of this process.

[0099] Through the above-mentioned embodiments, when the same business entity completes the merchant's application on the platform simultaneously or sequentially, it can support one-time data collection and entry, match the application requirements of multiple channels, and automatically complete the merchant's application through automated review of different channel requirements, thereby reducing manual processing and improving operational efficiency.

[0100] It should be understood that although Figure 2 The steps in the flowchart are shown in sequence as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified in this document, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, Figure 2 At least part of the steps may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily executed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be executed in turn or alternately with other steps or at least part of the sub-steps or stages of other steps.

[0101] In some embodiments, Figure 6 As shown, a merchant information feeding device based on multiple channels is provided, comprising: an information acquisition module 610, a general verification module 620, a channel determination module 630, a specialized verification module 640 and a routing distribution module 650, wherein:

[0102] The information acquisition module 610 is used to acquire the merchant information to be processed of the target merchant;

[0103] A general verification module 620, for performing general verification on the merchant information to be received according to general verification rules;

[0104] The channel determination module 630 is used to determine multiple target application channels corresponding to the target merchant according to the merchant information to be applied for after the universal verification is successful;

[0105] Specialized verification module 640, used to perform specialized verification on merchant information to be processed according to channel-specific rules corresponding to each target processing channel;

[0106] The routing distribution module 650 is used to send the merchant information to be processed to each target processing channel that has passed the specialized verification to carry out the processing flow respectively.

[0107] In some embodiments, the general verification module 620 verifies whether at least one of the company name, social unified credit code, business license image or photo, legal person information, and contact information in the merchant information to be submitted meets the requirements of the general verification rules by calling the general rule checker in the rule engine.

[0108] In some embodiments, the specialized verification module 640 obtains the channel specialized rules of each target submission channel through the specialized rule checkers corresponding to each target channel; wherein each channel specialized rule is configurable and varies according to the requirements of each target submission channel; each specialized rule checker performs specialized verification on the merchant information to be submitted according to the specialized rules of each channel.

[0109] In some embodiments, the specialized verification module 640 is used to call at least one specialized rule checker to obtain the business status information and account opening status information of the upper-level merchant associated with the target merchant; verify whether the upper-level merchant has opened an account based on the account opening status information; verify whether the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened based on the business status information; if the upper-level merchant has opened an account and the business status information verifies that the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened, then it is confirmed that the specialized verification of at least one specialized rule checker is successful.

[0110] In some embodiments, the routing distribution module 650 is also used to send the merchant information to be submitted that has undergone specialized verification to the review terminal; in response to the confirmation instruction of the review terminal, enter the step of sending the merchant information to be submitted to each target submission channel that has passed the specialized verification to carry out the submission process separately.

[0111] In some embodiments, the routing distribution module 650 obtains the identification information and channel assembly requirements of each target submission channel; assembles the merchant information to be submitted that has passed the specialized verification into a transmission data packet that meets the format parameter requirements of each target submission channel according to the identification information and channel assembly requirements of each target submission channel; and transmits each transmission data packet to the corresponding target submission channel according to each identification information.

[0112] In some embodiments, the routing distribution module 650 is also used to control the merchant state machine corresponding to the target merchant to enter the final state after at least one target application channel is opened, and mark the corresponding opened application channel and the application channel to be used for the target merchant.

[0113] For the specific definition of the merchant information feeding device based on multi-channel, please refer to the definition of the merchant information feeding method based on multi-channel above, which will not be repeated here. Each module in the above-mentioned merchant information feeding device based on multi-channel can be implemented in whole or in part by software, hardware and their combination. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0114] In some embodiments, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 7 As shown. The computer device includes a processor, a memory, and a network interface connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a merchant information submission method based on multiple channels is implemented.

[0115] Those skilled in the art will understand that Figure 7 The 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.

[0116] In some embodiments, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the following steps are implemented: obtaining merchant information of a target merchant to be submitted; performing a general verification on the merchant information to be submitted according to a general verification rule; after the general verification succeeds, determining multiple target submission channels corresponding to the target merchant according to the merchant information to be submitted; performing a specialized verification on the merchant information to be submitted according to the channel-specialized rules corresponding to each target submission channel; and sending the merchant information to be submitted to each target submission channel for which the specialized verification succeeds to perform the submission process separately.

[0117] In some embodiments, when the processor executes the computer program, it also implements the following steps: calling the general rule checker in the rule engine to verify whether at least one of the company name, social unified credit code, business license image or photo, legal person information, and contact information in the merchant information to be submitted meets the requirements of the general verification rules.

[0118] In some embodiments, when the processor executes the computer program, the following steps are also implemented: the channel specialized rules of each target submission channel are respectively obtained through the specialized rule checkers corresponding to each target channel; wherein each channel specialized rule is configurable and varies according to the requirements of each target submission channel; each specialized rule checker performs specialized verification on the merchant information to be submitted according to the specialized rules of each channel.

[0119] In some embodiments, when the processor executes the computer program, the following steps are also implemented: at least one specialized rule checker obtains the business status information and account opening status information of the upper-level merchant associated with the target merchant; verifies whether the upper-level merchant has opened an account based on the account opening status information; verifies whether the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened based on the business status information; if the upper-level merchant has opened an account and the business status information verifies that the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened, then confirms that the specialized verification of at least one specialized rule checker is successful.

[0120] In some embodiments, when the processor executes the computer program, it also implements the following steps: sending the merchant information to be submitted that has undergone specialized verification to the review terminal; in response to the confirmation instruction of the review terminal, entering the step of sending the merchant information to be submitted to each target submission channel that has passed the specialized verification to carry out the submission process separately.

[0121] In some embodiments, when the processor executes the computer program, the following steps are also implemented: obtaining identification information and channel assembly requirements of each target submission channel; assembling the merchant information to be submitted that has passed the specialized verification into a transmission data packet that meets the format parameter requirements of each target submission channel according to the identification information and channel assembly requirements of each target submission channel; and transmitting each transmission data packet to the corresponding target submission channel according to each identification information.

[0122] In some embodiments, when the processor executes the computer program, the following steps are also implemented: after the opening of at least one target submission channel is completed, the merchant state machine corresponding to the target merchant is controlled to enter the final state, and the corresponding opened submission channel and the submission channel to be used are marked for the target merchant.

[0123] In some embodiments, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented: obtaining merchant information to be submitted of a target merchant; performing a general verification on the merchant information to be submitted according to a general verification rule; after the general verification succeeds, determining multiple target submission channels corresponding to the target merchant according to the merchant information to be submitted; performing specialized verification on the merchant information to be submitted according to the channel-specific rules corresponding to each target submission channel; sending the merchant information to be submitted to each target submission channel that has succeeded in the specialized verification to respectively perform the submission process.

[0124] In some embodiments, when the computer program is executed by the processor, the following steps are also implemented: by calling the general rule checker in the rule engine, checking whether at least one of the company name, social unified credit code, business license image or photo, legal person information, and contact information in the merchant information to be submitted meets the requirements of the general verification rules.

[0125] In some embodiments, when the computer program is executed by the processor, the following steps are also implemented: the channel specialized rules of each target submission channel are respectively obtained through the specialized rule checkers corresponding to each target channel; wherein each channel specialized rule is configurable and varies according to the requirements of each target submission channel; each specialized rule checker performs specialized verification on the merchant information to be submitted according to the specialized rules of each channel.

[0126] In some embodiments, when the computer program is executed by the processor, the following steps are also implemented: at least one specialized rule checker obtains the business status information and account opening status information of the upper-level merchant associated with the target merchant; verifies whether the upper-level merchant has opened an account based on the account opening status information; verifies whether the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened based on the business status information; if the upper-level merchant has opened an account and the business status information verifies that the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened, then confirms that the specialized verification of at least one specialized rule checker is successful.

[0127] In some embodiments, when the computer program is executed by the processor, the following steps are also implemented: sending the merchant information to be submitted that has undergone specialized verification to the review terminal; in response to the confirmation instruction of the review terminal, entering the step of sending the merchant information to be submitted to each target submission channel that has passed the specialized verification to carry out the submission process separately.

[0128] In some embodiments, when the computer program is executed by the processor, the following steps are also implemented: obtaining identification information and channel assembly requirements of each target submission channel; assembling the merchant information to be submitted that has passed the specialized verification into a transmission data packet that meets the format parameter requirements of each target submission channel according to the identification information and channel assembly requirements of each target submission channel; and transmitting each transmission data packet to the corresponding target submission channel according to each identification information.

[0129] In some embodiments, when the computer program is executed by the processor, the following steps are also implemented: after at least one target submission channel is opened, the merchant state machine corresponding to the target merchant is controlled to enter the final state, and the corresponding opened submission channel and the submission channel to be used are marked for the target merchant.

[0130] Those skilled in the art can understand that all or part of the processes in the methods for implementing the above embodiments can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in the present application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0131] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0132] In addition, the term "and / or" in this article is only a description of the association relationship of the associated objects, indicating that there can be three relationships. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. In addition, the characters in this article generally indicate that the associated objects before and after are in an "or" relationship.

[0133] The above-mentioned embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the invention patent. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the patent of the present application shall be subject to the attached claims.

[0134] It should be noted that in the embodiments of the present application, data such as user information or user data must be obtained and processed after the user's authorization and consent. When the embodiments of the present application are applied to specific products or technologies, the user's permission or consent must be obtained, and the collection, use and processing of relevant data must comply with the relevant laws, regulations and standards of the relevant countries and regions.

Claims

1. A merchant information submission method based on multiple channels, the method comprising: Obtain the merchant information of the target merchant to be processed; Performing a general verification on the merchant information to be submitted according to the general verification rules; After the universal verification is successful, multiple target application channels corresponding to the target merchant are determined according to the merchant information to be applied for; Performing specialized verification on the merchant information to be processed according to the channel-specific rules corresponding to each of the target processing channels; The merchant information to be processed is sent to each of the target processing channels that have passed the specialized verification to carry out the processing flow respectively.

2. The method according to claim 1, characterized in that The general verification of the merchant information to be submitted according to the general verification rules includes: By calling the general rule checker in the rule engine, it is verified whether the company name, social unified credit code, business license image or photo, legal person information and contact information in the merchant information to be submitted meet the requirements of the general verification rules.

3. The method according to claim 1, characterized in that The performing of specialized verification on the merchant information to be processed according to the channel-specific rules corresponding to each of the target processing channels includes: The channel specialization rules of each target input channel are respectively obtained through the specialization rule checker corresponding to each target channel; wherein each channel specialization rule is configurable and different according to the requirements of each target input channel; Each of the specialized rule checkers performs specialized verification on the merchant information to be processed according to each of the channel specialized rules.

4. The method according to claim 3, characterized in that At least one of the channel-specific rules is configured to verify whether the associated account is opened, and each of the specialized rule checkers performs specialized verification on the merchant information to be processed according to each of the channel-specific rules, including: At least one of the specialized rule checkers obtains business status information and account opening status information of an upper-level merchant associated with the target merchant; Verify whether the upper-level merchant has opened an account according to the account opening status information; Verifying, according to the business status information, whether the account opened by the upper-level merchant is the upper-level business account of the account to be opened by the target merchant; If the upper-level merchant has opened an account and the business status information verifies that the account opened by the upper-level merchant is the upper-level business account of the target merchant's account to be opened, it is confirmed that the specialized verification of at least one of the specialized rule checkers is successful.

5. The method according to claim 1, characterized in that Before sending the merchant information to be processed to each of the target processing channels that have passed the specialized verification to respectively perform the processing, the method further includes: Sending the merchant information to be submitted after the specialized verification to the review terminal; In response to the confirmation instruction of the audit terminal, the step of sending the merchant information to be submitted to each of the target submission channels that have passed the specialized verification to carry out the submission process respectively is entered.

6. The method according to claim 1, characterized in that The sending of the merchant information to be processed to each of the target processing channels that have passed the specialized verification to respectively perform the processing flow includes: Obtaining identification information and channel assembly requirements of each of the target feed channels; According to the identification information of each target entry channel and the channel assembly requirements, the merchant information to be entered that has passed the specialized verification is assembled into a transmission data packet that meets the format parameter requirements of each target entry channel; The transmission data packets are transmitted to the corresponding target input channels according to the identification information.

7. The method according to any one of claims 1 to 6, characterized in that: The method further comprises: After at least one of the target application channels is opened, the merchant state machine corresponding to the target merchant is controlled to enter the final state, and the corresponding application channels that have been opened and the application channels to be used are marked for the target merchant.

8. A merchant information feeding device based on multiple channels, characterized in that: The device comprises: An information acquisition module is used to obtain the merchant information of the target merchant to be processed; A general verification module, used for performing general verification on the merchant information to be submitted according to general verification rules; A channel determination module, configured to determine, after the universal verification succeeds, a plurality of target application channels corresponding to the target merchant according to the merchant information to be applied for; A specialized verification module, used to perform specialized verification on the merchant information to be processed according to the channel-specific rules corresponding to each of the target processing channels; The routing distribution module is used to send the merchant information to be processed to each of the target processing channels that have passed the specialized verification to carry out the processing flow respectively.

9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

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

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