Data splitting method, data splitting system, storage medium and program product

Abstract

The invention provides a data splitting method, a data splitting system, a storage medium and a program product. Relates to the technical field of data processing. The method is applied to a data splitting system, the system comprises a data splitting mechanism and at least one acquiring mechanism in butt joint with a data generation end, and the method comprises the following steps: the acquiring mechanism obtains an order data list and total payment data of each data generation end, and transfers the total payment data to a supervision contract account of the data generation end, generating a split reference file corresponding to the order data list, and sending the split reference file to a corresponding data generation end; the data generation end sends the comprehensive reference file to a data splitting mechanism; and the data splitting mechanism performs data splitting on the supervision contract account. According to the method provided by the invention, the independent data splitting mechanism is additionally arranged to perform unified data splitting on the plurality of acquiring mechanisms butted with the data generation end, so that the data splitting efficiency of the acquiring mechanisms is improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a data splitting method, a data splitting system, a storage medium and a program product. Background Art

[0002] With the widespread popularity of the Internet, a large number of acquiring institutions have emerged in the merchant acquiring market. In these complex transaction environments, it is crucial to efficiently and accurately split the order data processed by each acquiring institution.

[0003] In the prior art, a data generation end can usually connect to multiple acquiring institutions, and each acquiring institution independently manages and splits the order data received by itself from multiple users.

[0004] However, the existing data splitting method cannot uniformly split the data for multiple acquiring institutions connected to the data generation end, and has the defect of low data splitting efficiency. Summary of the invention

[0005] The present application provides a data splitting method, a data splitting system, a storage medium and a program product, which are used to uniformly split data for multiple acquiring institutions connected to a data generation end, so as to improve the data splitting efficiency of the acquiring institutions.

[0006] In a first aspect, the present application provides a data splitting method, which is applied to a data splitting system, the data splitting system comprising: a data splitting mechanism and at least one acquiring institution connected to a data generating terminal, the method comprising: the acquiring institution aggregating the order data of each data generating terminal on the acquiring institution according to the data generating terminal identifier and the data aggregation identifier carried in the order data in the acquiring institution to obtain an order data list of each data generating terminal, and modifying the data aggregation identifier of the order data aggregated into the order data list to a aggregated identifier, and the data aggregation identifier of the order data before aggregation to a to-be-aggregated identifier;

[0007] The acquiring institution aggregates the payment data corresponding to each order data in the order data list to obtain the total payment data of the order data list, and transfers the total payment data to the supervision contract account set up by the data generation end in the data splitting institution, and generates a split reference file corresponding to the order data list, each split reference file corresponds to a data generation end, the file identifier of the split reference file includes the data generation end identifier and the data aggregation period, and the split reference file includes the order data information of the data generation end in the acquiring institution;

[0008] The acquiring institution sends the split reference file to the corresponding data generation end according to the file identifier of the split reference file;

[0009] The data generation end merges the split reference files sent by different acquiring institutions according to the data aggregation cycle to obtain the comprehensive reference file of the data generation end, and sends the comprehensive reference file to the data splitting institution;

[0010] The data splitting agency splits data for the regulatory contract account of the data generating end in the data splitting agency based on the comprehensive reference documents of each data generating end.

[0011] In a possible design, the system further includes: a clearing agency, which transfers the total payment data to a regulatory contract account set up by the data generation end in the data splitting agency, including:

[0012] The acquiring institution sends a loading request to the clearing institution, and the loading request carries the business function information;

[0013] The clearing institution matches the business function information with the text information of each business function interface in the clearing institution, and generates a dynamic link library for the successfully matched business function interface, and sends the dynamic link library to the acquiring institution;

[0014] The acquiring institution calls the clearing interface from the dynamic link library and transfers the total payment data to the regulatory contract account.

[0015] In one possible design, the data splitting agency splits the data of the regulatory contract account of the data generator in the data splitting agency based on the comprehensive reference file of each data generator, including:

[0016] The data splitting mechanism obtains preset data splitting party information, a transaction result of at least one order data of the data generating end, and data splitting information of the order data;

[0017] The data splitting agency splits data for the regulatory contract account of the data generating end in the data splitting agency based on the comprehensive reference documents, transaction results, data splitting information and data splitting party information.

[0018] In a possible design, the data splitting agency splits the data of the regulatory contract account of the data generator in the data splitting agency based on the comprehensive reference file, transaction results, data splitting information and data splitting party information, including:

[0019] The data splitting agency extracts the successful transaction order data from the comprehensive reference file based on the transaction results;

[0020] The data splitting agency extracts the target data splitting party identifier of the successfully traded order data from the data splitting information, and verifies the business license in the data splitting party information corresponding to the target data splitting party identifier;

[0021] After the verification is passed, the data splitting agency will perform data splitting according to the data splitting account in the data splitting party information and the data splitting parameters in the data splitting information.

[0022] In a possible design, entering the data splitting information of the order data into the data splitting mechanism includes:

[0023] The acquiring institution receives the order data sent by the data generating end, and sends an order success message to the data generating end;

[0024] When the data generation end receives the order success information, it enters the data splitting information corresponding to the order data into the data splitting agency.

[0025] In a possible design, the transaction results of the order data are entered into the data splitting mechanism, including:

[0026] The acquiring institution determines the transaction result of the order data and forwards the transaction result of the order data to the data splitting institution via the data generating end.

[0027] In one possible design, the method further includes:

[0028] The data generation end sends the data generation end information and the data splitting party information of the data generation end to the data splitting agency;

[0029] When the data splitting agency receives the information from the data generating end, it creates a supervision contract account of the data generating end in the data splitting agency;

[0030] When receiving the data splitting party information, the data splitting agency stores the data splitting party information in the data splitting agency.

[0031] In a second aspect, the present application provides a data splitting system, including: a data splitting mechanism and at least one acquiring mechanism connected to a data generating terminal;

[0032] The acquiring institution is used to aggregate the order data of each data generating end on the acquiring institution according to the data generating end identifier and the data aggregation identifier carried in the order data in the acquiring institution to obtain an order data list of each data generating end, and to modify the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier, and the data aggregation identifier of the order data before aggregation to a to-be-aggregated identifier;

[0033] The acquiring institution is used to aggregate the payment data corresponding to each order data in the order data list to obtain the total payment data of the order data list, and transfer the total payment data to the supervision contract account set by the data generation end in the data splitting institution, and generate a split reference file corresponding to the order data list, each split reference file corresponds to a data generation end, the file identifier of the split reference file includes the data generation end identifier and the data aggregation period, and the split reference file includes the order data information of the data generation end in the acquiring institution;

[0034] The acquiring institution is used to send the split reference file to the corresponding data generation end according to the file identifier of the split reference file;

[0035] The data generation end is used to merge the split reference files sent by different acquiring institutions according to the data aggregation cycle to obtain the comprehensive reference file of the data generation end, and send the comprehensive reference file to the data splitting institution;

[0036] The data splitting agency is used to split the data of the regulatory contract account of the data generating end in the data splitting agency according to the comprehensive reference file of each data generating end.

[0037] In a third aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer execution instructions are stored. When a processor executes the computer execution instructions, it is used to implement a data splitting method as described in the first aspect of the invention.

[0038] In a fourth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, is used to implement a data splitting method as described in the first aspect of the invention.

[0039] The present application provides a data splitting method, a data splitting system, a storage medium and a program product, the method is applied to a data splitting system, the data splitting system comprising: a data splitting mechanism and at least one acquiring institution connected to a data generating end, the method comprising: the acquiring institution aggregates the order data of each data generating end on the acquiring institution according to the data generating end identifier and the data aggregation identifier carried in the order data in the acquiring institution to obtain an order data list for each data generating end, and modifies the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier, and the data aggregation identifier of the order data before aggregation is an identifier to be aggregated; the acquiring institution aggregates the payment data corresponding to each order data in the order data list to obtain the total payment data of the order data list, and allocates the total payment data to the data generating end. The acquiring end sets up a regulatory contract account in the data splitting agency and generates a split reference file corresponding to the order data list, each split reference file corresponds to a data generating end, the file identifier of the split reference file includes the data generating end identifier and the data aggregation period, the split reference file includes the order data information of the data generating end in the acquiring agency; the acquiring agency sends the split reference file to the corresponding data generating end according to the file identifier of the split reference file; the data generating end merges the split reference files sent by different acquiring agencies according to the data aggregation period to obtain the comprehensive reference file of the data generating end, and sends the comprehensive reference file to the data splitting agency; the data splitting agency splits the data for the regulatory contract account of the data generating end in the data splitting agency according to the comprehensive reference file of each data generating end.The following technical effects are achieved: by additionally setting up a separate data splitting organization, after the user places an order at the data generating end, the data generating end collects the order through the acquiring organization connected to it, and the acquiring organization respectively summarizes the order data of each data generating end on the acquiring organization, thereby generating an order data list corresponding to each data generating end, and then based on the order data list, generates a split reference file corresponding to each order data list, and transfers the total payment data corresponding to the order data list to the supervision contract account, and sends the split reference file to the corresponding data generating end. The data generating end summarizes the split reference files sent by multiple acquiring organizations, generates a comprehensive reference file, and sends it to the data splitting organization. The data splitting organization performs data splitting on the supervision contract account of the data generating end in the data splitting organization, thereby achieving unified management of multiple acquiring organizations connected to the data generating end through the data splitting organization. First, data splitting, there is no need to manually integrate data from various acquiring institutions, thereby improving the data splitting efficiency of the acquiring institutions; the acquiring institutions summarize the order data of each data generating end connected to it, so as to obtain the order data lists corresponding to each data generating end, and realize the preliminary summary of each order data; the acquiring institutions summarize the order data of the data generating end on the acquiring institutions to obtain the order data list, and according to the payment data corresponding to each order data in the order data list, obtain the total payment data corresponding to the order data list, and then transfer the corresponding total payment data to the supervision contract account set up by the data generating end corresponding to the order data list in the data splitting institution, and generate the splitting reference file corresponding to the order data list at the same time, which solves the problem of how to divide the payment data of each order data to the data splitting institution and how to generate multiple splitting reference files. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0041] Figure 1 A schematic diagram of a data splitting method provided in an embodiment of the present application Figure 1 ;

[0042] Figure 2 A schematic diagram of a data splitting method provided in an embodiment of the present application Figure 2 .

[0043] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0044] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0045] In the embodiments of the present application, words such as "first" and "second" are used to distinguish between identical or similar items with substantially the same functions and effects. Those skilled in the art will appreciate that words such as "first" and "second" do not limit the quantity and execution order, and words such as "first" and "second" do not necessarily limit the difference. It should be noted that in the embodiments of the present application, words such as "exemplary" or "for example" are used to indicate examples, illustrations or explanations. Any embodiment or design described as "exemplary" or "for example" in the present application should not be interpreted as being more preferred or more advantageous than other embodiments or designs. Specifically, the use of words such as "exemplary" or "for example" is intended to present related concepts in a specific way. In the embodiments of the present application, "at least one" refers to one or more, and "more" refers to two or more.

[0046] It should be noted that the "at..." in the embodiments of the present application can be the instant when a certain situation occurs, or can be a period of time after a certain situation occurs, and the embodiments of the present application do not specifically limit this. In addition, a data splitting method provided in the embodiments of the present application is only used as an example, and a data splitting method can also include more or less content.

[0047] In the technical solution of this application, the collection, storage, use, processing, transmission, provision and disclosure of information such as financial data or user data involved shall comply with the provisions of relevant laws and regulations and shall not violate public order and good morals.

[0048] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0049] With the rapid development and popularization of Internet technology, e-commerce and online payment have ushered in unprecedented growth opportunities. In this context, a large number of acquiring institutions of different sizes and types have emerged in the merchant acquiring market, providing merchants with a variety of payment solutions and services. In such a market environment, it has become the norm for the same data generation end (transaction platform) to simultaneously access multiple acquiring institutions, which can not only improve the payment success rate, but also optimize the user experience.

[0050] However, in actual operation, when a data generation end is connected to multiple acquiring institutions, how to efficiently manage order data information from different channels and achieve accurate data splitting has become a technical problem that needs to be solved urgently. In the prior art, although there are a variety of data splitting solutions, most of them are limited to internal use of a single acquiring institution and lack unified data splitting capabilities across platforms and institutions. This means that if a data generation end wants to conduct comprehensive and detailed management of all its transactions, it usually needs to manually integrate data from various acquiring institutions, which undoubtedly increases the workload and reduces efficiency, and may also introduce human errors.

[0051] Based on this, the embodiments of the present application provide a data splitting method, a data splitting system, a storage medium and a program product, which can be used in the field of data processing technology, and are intended to solve the above technical problems of the prior art. By additionally setting up a separate data splitting mechanism, the acquiring institution can generate a splitting reference file from the order data received by the institution itself and send it to the data generation end. The data generation end aggregates the splitting reference files sent by each acquiring institution connected to it, generates a comprehensive reference file and sends it to the data splitting mechanism, so that the data splitting mechanism can perform unified data splitting on multiple acquiring institutions connected to the data generation end, thereby improving the data splitting efficiency of the acquiring institution.

[0052] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0053] According to the content of the first aspect of the present application, this embodiment discloses a data splitting method.

[0054] Figure 1 A schematic diagram of a data splitting method provided in an embodiment of the present application Figure 1 .like Figure 1 As shown, the data splitting method is applied to a data splitting system, the data splitting system includes: a data splitting mechanism and at least one acquiring mechanism connected to a data generating end, the method includes:

[0055] S101. The acquiring institution aggregates the order data of each data generating end on the acquiring institution according to the data generating end identifier and the data aggregation identifier carried in the order data within the acquiring institution to obtain an order data list of each data generating end, and modifies the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier.

[0056] In the embodiments of the present application, the data generation end refers to various platforms that enable merchants and users to conduct transactions, such as various online applications (Application, APP), etc. The acquiring institution is used to provide merchant acquiring services. Its main responsibilities are to sign agreements with merchants, provide terminal equipment, process transactions, and transfer payment data from the user's bank account to the merchant's account, helping merchants accept multiple payment methods and improve sales efficiency. It can also clear payment data to merchants. Each data generation end can connect to multiple acquiring institutions, and each acquiring institution can acquire order data from multiple data generation ends.

[0057] Specifically, after a user places an order at a data generation end, each order data generated after each data generation end completes the order carries a data generation end identifier corresponding to the data generation end, as well as a data aggregation identifier used to mark whether the order data has been aggregated in the acquiring institution. Before the acquiring institution aggregates the order data, the data aggregation identifier of the order data is an identifier to be aggregated.

[0058] That is to say, after each data generating end completes the order, the acquiring institution can collect the order data of each data generating end connected to it, and summarize the order data of each data generating end on the acquiring institution according to the data generating end identifier and data summary identifier corresponding to the data generating end carried in the order data after the collection, so as to obtain the order data list corresponding to each data generating end, that is, the acquiring institution can summarize the order data of all transactions collected by each data generating end through the acquiring institution, and generate multiple order data lists corresponding to each data generating end, and generate one order data list for all the order data of one data generating end in one acquiring institution. Furthermore, the acquiring institution can also change the data summary identifier of each order data in the order data list obtained after the aggregation from the to-be-aggregated identifier to the aggregated identifier.

[0059] The acquiring institution summarizes the order data of each data generating terminal connected to it, thereby obtaining a list of order data corresponding to each data generating terminal, and completing the preliminary summary of each order data.

[0060] S102. The acquiring institution aggregates the payment data corresponding to each order data in the order data list to obtain the total payment data of the order data list, and transfers the total payment data to the regulatory contract account set up by the data generation end in the data splitting institution, and generates a splitting reference file corresponding to the order data list.

[0061] In the embodiment of the present application, each split reference file corresponds to a data generation end, the file identifier of the split reference file includes the data generation end identifier and the data aggregation period, and the split reference file includes the order data information of the data generation end in the acquiring institution, and the order data information includes the order data number, customer information, product information, delivery information, order data date, and order data status, etc. The order data number is used to uniquely identify the order data, which is a unique identification code for each order data and is used to track and manage the order data; customer information includes the user's name, contact information and address, etc.; product information is used to list the product name, quantity, unit price and total price contained in the order data, etc.; delivery information includes delivery method, estimated delivery time and waybill number, etc.; order data date includes the date and specific time when the order data was created; the status of the order data indicates the current processing stage of the order data.

[0062] The data splitting agency is used to provide data splitting services and clear payment data to each data splitting party. In the data splitting agency, each data generating end is respectively set up with a corresponding supervision contract account.

[0063] Specifically, after the acquiring institution separately summarizes the multiple order data of each data generating end on the acquiring institution and obtains the order data list corresponding to each data generating end, for each order data list, the payment data corresponding to each order data in the order data list can be further summarized to obtain the total payment data corresponding to the order data list, and then the total payment data corresponding to the order data list is transferred to the supervision contract account set up by the data generating end corresponding to the order data list in the data splitting institution, and a corresponding splitting reference file is generated for the order data list. In other words, in each acquiring institution, all the order data of a data generating end can generate an order data list, and an order data list can further generate a splitting reference file.

[0064] The acquiring institution aggregates the order data of the data generating end on the acquiring institution to obtain an order data list, and based on the payment data corresponding to each order data in the order data list, obtains the total payment data corresponding to the order data list, and then transfers the corresponding total payment data to the regulatory contract account set up by the data generating end corresponding to the order data list in the data splitting institution, and at the same time generates a splitting reference file corresponding to the order data list, which solves the problem of how to divide the payment data of each order data to the data splitting institution and how to generate multiple splitting reference files.

[0065] S103. The acquiring institution sends the split reference file to the corresponding data generation end according to the file identifier of the split reference file.

[0066] Specifically, after each acquiring institution generates the split reference file corresponding to each order data list, it can send each split reference file to the corresponding data generation end according to the file identifier of the split reference file, that is, according to the data generation end identifier in the file identifier.

[0067] S104. The data generation end merges the split reference files sent by different acquiring institutions according to the data aggregation cycle to obtain a comprehensive reference file of the data generation end.

[0068] Specifically, after receiving the split reference files sent by the multiple acquiring institutions to which it is connected, each data generation end can merge the split reference files sent by the multiple acquiring institutions according to the data aggregation period in the file identifier carried by the split reference files, thereby generating a comprehensive reference file corresponding to the data generation end. Each comprehensive reference file corresponds to multiple order data collected by the same data generation end through multiple acquiring institutions within the same data aggregation period.

[0069] S105. The data generation end sends the comprehensive reference file to the data splitting organization.

[0070] In an embodiment of the present application, after each data generating end aggregates the split reference files sent by multiple acquiring institutions to obtain a comprehensive reference file corresponding to the data generating end, the comprehensive reference file can be further sent to the data splitting institution so that the order data of multiple acquiring institutions connected to the data generating end can be uniformly split through the data splitting institution.

[0071] S106. The data splitting agency splits the data of the regulatory contract account of the data generating end in the data splitting agency according to the comprehensive reference file of each data generating end.

[0072] Specifically, since each data generating end is provided with a corresponding regulatory contract account in the data splitting mechanism, after receiving the comprehensive reference file corresponding to multiple acquiring institutions sent by each data generating end, the data splitting mechanism can perform data splitting on the payment data in the regulatory contract account corresponding to each data generating end in the data splitting mechanism according to the comprehensive reference file sent by each data generating end. The payment data in the regulatory contract account corresponding to each data generating end comes from the multiple total payment data allocated by the multiple acquiring institutions connected to the data generating end. Therefore, by additionally setting up a separate data splitting mechanism and realizing unified data splitting of the multiple acquiring institutions connected to the data generating end through the data splitting mechanism, the data splitting efficiency of the acquiring institution can be improved.

[0073] A data splitting method provided in this embodiment is applied to a data splitting system, the data splitting system comprising: a data splitting mechanism and at least one acquiring mechanism connected to a data generating end, the method comprising: the acquiring mechanism aggregates the order data of each data generating end on the acquiring mechanism according to the data generating end identifier and the data aggregation identifier carried in the order data in the acquiring mechanism to obtain an order data list for each data generating end, and modifies the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier, and the data aggregation identifier of the order data before aggregation to a to-be-aggregated identifier; the acquiring mechanism aggregates the payment data corresponding to each order data in the order data list to obtain the total payment data of the order data list, and allocates the total payment data to the data generating end in the data splitting mechanism In the set regulatory contract account, a split reference file corresponding to the order data list is generated, each split reference file corresponds to a data generation end, the file identifier of the split reference file includes the data generation end identifier and the data aggregation period, and the split reference file includes the order data information of the data generation end in the acquiring institution; the acquiring institution sends the split reference file to the corresponding data generation end according to the file identifier of the split reference file; the data generation end merges the split reference files sent by different acquiring institutions according to the data aggregation period to obtain the comprehensive reference file of the data generation end, and sends the comprehensive reference file to the data splitting institution; the data splitting institution splits the data of the regulatory contract account of the data generation end in the data splitting institution according to the comprehensive reference file of each data generation end.

[0074] The following technical effects are achieved: by additionally setting up a separate data splitting organization, after the user places an order at the data generating end, the data generating end collects the order through the acquiring organization connected to it, and the acquiring organization respectively summarizes the order data of each data generating end on the acquiring organization, thereby generating an order data list corresponding to each data generating end, and then based on the order data list, generates a split reference file corresponding to each order data list, and transfers the total payment data corresponding to the order data list to the supervision contract account, and sends the split reference file to the corresponding data generating end. The data generating end summarizes the split reference files sent by multiple acquiring organizations, generates a comprehensive reference file, and sends it to the data splitting organization. The data splitting organization performs data splitting on the supervision contract account of the data generating end in the data splitting organization, thereby achieving unified management of multiple acquiring organizations connected to the data generating end through the data splitting organization. First, data splitting, there is no need to manually integrate data from various acquiring institutions, thereby improving the data splitting efficiency of the acquiring institutions; the acquiring institutions summarize the order data of each data generating end connected to it, so as to obtain the order data lists corresponding to each data generating end, and realize the preliminary summary of each order data; the acquiring institutions summarize the order data of the data generating end on the acquiring institutions to obtain the order data list, and according to the payment data corresponding to each order data in the order data list, obtain the total payment data corresponding to the order data list, and then transfer the corresponding total payment data to the supervision contract account set up by the data generating end corresponding to the order data list in the data splitting institution, and generate the splitting reference file corresponding to the order data list at the same time, which solves the problem of how to divide the payment data of each order data to the data splitting institution and how to generate multiple splitting reference files.

[0075] Figure 2 A schematic diagram of a data splitting method provided in an embodiment of the present application Figure 2 In one possible example, Figure 2 As shown, in this embodiment Figure 1 Based on the embodiment, the specific process of the data splitting method is further described in detail. Figure 2 As shown, the method includes:

[0076] S201. The acquiring institution aggregates the order data of each data generating end on the acquiring institution according to the data generating end identifier and the data aggregation identifier carried in the order data within the acquiring institution to obtain an order data list for each data generating end, and modifies the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier.

[0077] S202. The acquiring institution aggregates the payment data corresponding to each order data in the order data list to obtain the total payment data of the order data list.

[0078] S201 - S202 are similar to S101 - S102 , and the parts with the same contents will not be described in detail in this embodiment.

[0079] S203 The acquiring institution sends a loading request to the clearing institution.

[0080] Specifically, the data splitting system may also include a clearing agency, which is used to provide payment data clearing services for various acquiring institutions. In order to transfer the total payment data to the regulatory contract account set up by the data generation end in the data splitting agency, the acquiring institution may first send a loading request to the clearing agency included in the data splitting system, and the loading request carries business function information, which is used to determine the target business interface from the various business function interfaces of the clearing agency, so as to transfer the total payment data of the acquiring institution to the regulatory contract account.

[0081] S204: The clearing agency matches the business function information with the text information of each business function interface in the clearing agency, and generates a dynamic link library for the successfully matched business function interface.

[0082] Specifically, after receiving the loading request sent by the acquiring institution, the clearing institution can further match the business function information carried in the loading request with the text information of each business function interface of the clearing institution, so as to determine the successfully matched business function interface as the target business interface from the multiple business function interfaces of the clearing institution. Then, a dynamic link library is generated for the target business function interface to facilitate the acquiring institution to call it.

[0083] S205. The clearing institution sends the dynamic link library to the acquiring institution.

[0084] Specifically, in order to facilitate the acquiring institution to call the target business function interface, the clearing institution can send the dynamic link library to the acquiring institution.

[0085] S206. The acquiring institution calls the clearing interface from the dynamic link library and transfers the total payment data to the regulatory contract account.

[0086] Specifically, the acquiring institution can call the clearing interface specially set up by the clearing institution for clearing activities from the dynamic link library, and transfer the total payment data corresponding to the order data list of each data generating end to the regulatory contract account corresponding to each data generating end in the data splitting institution.

[0087] S207. The acquiring institution generates a split reference file corresponding to the order data list.

[0088] S208. The acquiring institution sends the split reference file to the corresponding data generation end according to the file identifier of the split reference file.

[0089] S209. The data generation end merges the split reference files sent by different acquiring institutions according to the data aggregation cycle to obtain a comprehensive reference file of the data generation end.

[0090] S210. The data generation end sends the comprehensive reference file to the data splitting organization.

[0091] S207-S210 are similar to S102-S105, and the parts with the same contents will not be described in detail in this embodiment.

[0092] S211. The acquiring institution receives the order data sent by the data generating end.

[0093] Specifically, in order to facilitate the data splitting agency to split the data of the regulatory contract account of the data generation end in the data splitting agency according to the comprehensive reference document. First, the data splitting information of each order data can be entered into the data splitting agency. The content of the data splitting information includes the information of multiple data splitters that need to split the order data (including name, business license, data splitting account, account information, multiple branches of merchants and data splitting roles, etc.), the payment data corresponding to the order data, and the payment data share, data splitter identification and data splitting parameters for each data splitter. Data splitters can include merchants, platforms at the data generation end, third-party transportation service providers, promotion service providers, tax agencies, etc.

[0094] That is to say, after the user places an order at the data generation end, the data generation end can send the order data to the acquiring institution so that the acquiring institution can collect the order data and send information that the user's order is successfully placed to the data generation end.

[0095] S212. The acquiring institution sends order success information to the data generating end.

[0096] Specifically, after receiving the order data sent by the data generation end, the acquiring institution can acquire the order data, and after successful acquisition, can further feedback the information of successful order to the data generation end.

[0097] S213. When receiving the order success information, the data generation end enters the data splitting information corresponding to the order data into the data splitting mechanism.

[0098] Specifically, when the data generating end receives the information that the user has successfully placed an order from the acquiring institution, it can enter the data splitting information of the order data into the data splitting institution.

[0099] S214. The acquiring institution determines the transaction result of the order data.

[0100] Specifically, in order to facilitate the data splitting agency to further split the data of the regulatory contract account of the data generation end in the data splitting agency according to the comprehensive reference file. The transaction results of the order data can also be entered into the data splitting agency. The transaction results include successful transactions, failed transactions, pending transactions, cancelled transactions, refunded transactions, partially successful transactions, or abnormal transactions.

[0101] Specifically, a successful transaction means that the transaction has been successfully completed, all relevant parties have received confirmation, and the payment data (i.e. payment funds) or goods have been correctly transferred; a failed transaction means that the transaction has not been completed, which may be due to various reasons, such as insufficient payment data, account problems, technical errors, etc.; a pending transaction means that the transaction is being processed and has not yet been finally confirmed. This status may require additional time or information to complete; a canceled transaction means that the transaction is canceled, which may be due to user-initiated cancellation, timeout or other reasons; a refunded transaction means that the transaction amount has been returned to the user, usually after a return, cancellation of order data or dispute resolution; a partially successful transaction means that part of the transaction is successfully completed, but the other parts fail to be completed. This situation may occur in transactions processed in stages; an abnormal transaction means that an abnormal situation occurs during the transaction, which requires manual intervention or further investigation.

[0102] That is to say, after receiving the order data sent by the data generating end, the acquiring institution can further determine the transaction result of the order data.

[0103] S215. The acquiring institution forwards the transaction result of the order data to the data splitting institution via the data generating end.

[0104] Specifically, after determining the transaction result of the order data, the acquiring institution forwards the transaction result of the order data to the data splitting institution via the data generating terminal, so that the data splitting institution can store the transaction result and further split the data according to the transaction result.

[0105] S216. The data generation end sends the data generation end information and the data splitting party information of the data generation end to the data splitting mechanism.

[0106] Specifically, in order to facilitate the data splitting agency to further split the data of the regulatory contract account of the data generation end in the data splitting agency according to the comprehensive reference file, the data generation end information and the data splitting party information of the data generation end can also be pre-stored in the data splitting agency.

[0107] Specifically, the data generator can send the data generator information and data splitter information of the data generator to the data splitting agency. The data generator information includes the merchant name, product information and data splitting rules (rules for how to allocate total payment data to each data splitter, which can be based on fixed data shares, percentages, hierarchical structures or other custom rules), etc. The data splitter information includes the merchant's multiple branch information, business license, data splitting account number, data generator service fees and third-party transportation platform information, etc.

[0108] That is to say, the data generation end can send the data generation end information and the data splitting party information to the data splitting organization, so that the data splitting organization can store the data generation end information and the data splitting party information, and further split the data according to the data generation end information and the data splitting party information.

[0109] S217. When the data splitting agency receives the information from the data generating end, it creates a supervision contract account of the data generating end in the data splitting agency.

[0110] Specifically, when the data splitting agency receives the data generation end information sent by the data generation end, it can create a regulatory contract account corresponding to the data generation end in the data splitting agency.

[0111] S218. When receiving the data splitting party information, the data splitting agency stores the data splitting party information in the data splitting agency.

[0112] Specifically, when the data splitting mechanism receives the data splitting party information sent by the data generating end, the data splitting party information can be stored in the data splitting mechanism.

[0113] S219. The data splitting mechanism obtains preset data splitting party information, a transaction result of at least one order data of the data generating end, and data splitting information of the order data.

[0114] Specifically, in order to facilitate the data splitting agency to split the data of the regulatory contract account of the data generating end in the data splitting agency according to the comprehensive reference file of each data generating end, the data splitting agency can first obtain the data splitting party information sent in advance by the corresponding data generating end to the data splitting agency and stored in the data splitting agency, the transaction result of at least one order data of the corresponding data generating end, and the data splitting information of the order data.

[0115] S220. The data splitting agency extracts the successful transaction order data from the comprehensive reference file based on the transaction results.

[0116] Specifically, before the data splitting agency performs data splitting on the regulatory contract account of the data generation end in the data splitting agency based on the comprehensive reference file, transaction results, data splitting information and data splitting party information, it can also extract the successfully traded order data from the comprehensive reference file based on the transaction results of each order data to perform data splitting on the successfully traded order data.

[0117] Furthermore, the data splitting agency can also extract the order data of partially successful transactions from the comprehensive reference file according to the transaction results of each order data, and also perform the next step of data splitting. However, the order data of failed transactions, pending transactions, cancelled transactions, refunded transactions or abnormal transactions will not be extracted.

[0118] S221. The data splitting agency extracts the target data splitting party identifier of the successfully traded order data from the data splitting information, and verifies the business license in the data splitting party information corresponding to the target data splitting party identifier.

[0119] Specifically, the data splitting agency can extract the data splitting party identifier of the successful transaction order data in the pre-stored data splitting information as the target data splitting party identifier, and verify each business license corresponding to the target data splitting party identifier in the data splitting party information.

[0120] Furthermore, the data splitting agency can also extract the data splitting party identifier corresponding to the successful order data of the transaction part as the target data splitting party identifier, and verify the business license in the data splitting party information corresponding to the target data splitting party identifier, so as to facilitate the data splitting of the corresponding part of the order data of the successful transaction part.

[0121] S222. After the verification is passed, the data splitting agency splits the data according to the data splitting account in the data splitting party information and the data splitting parameters in the data splitting information.

[0122] Specifically, after the data splitting agency has verified the business license in the data splitting party information, the data splitting agency can further split the data for the regulatory contract account of the data generation end in the data splitting agency according to the data splitting account in the data splitting party information corresponding to the target data splitting party identifier and the data splitting parameters in the data splitting information corresponding to the target data splitting party identifier.

[0123] In a possible implementation, before the user places an order through the data generating end, the data generating end information and the data splitting party information of the data generating end can be sent to the data splitting agency through the data generating end; when the data splitting agency receives the data generating end information, it creates a regulatory contract account of the data generating end in the data splitting agency; when the data splitting agency receives the data splitting party information, it stores the data splitting party information in the data splitting agency. That is to say, the order of the various execution steps of the data splitting method in the embodiment of the present application is not specifically limited here.

[0124] A data splitting method provided in an embodiment of the present application, wherein an acquiring institution sends a loading request carrying business function information to a clearing institution, so that the clearing institution generates a corresponding dynamic link library according to the loading request, so that the acquiring institution can call the clearing interface specially set by the clearing institution for the clearing activity from the dynamic link library, so as to transfer the total payment data corresponding to each order data list of each data generating end to the supervision contract account corresponding to each data generating end in the data splitting institution, respectively, thereby solving the problem of how the acquiring institution can safely transfer the total payment data of each data generating end to the supervision contract account of the data splitting institution; the data splitting institution performs data splitting on the supervision contract account of the data generating end in the data splitting institution according to the comprehensive reference file, transaction results, data splitting information and data splitting party information, which can effectively coordinate the order data of multiple acquiring institutions connected to the data generating end, enhance the flexibility and adaptability of the data generating end, and further improve the flexibility and efficiency of data splitting.

[0125] The embodiment of the present application also provides a data splitting system, including: a data splitting mechanism and at least one acquiring mechanism connected to a data generating terminal;

[0126] The acquiring institution is used to aggregate the order data of each data generating end on the acquiring institution according to the data generating end identifier and the data aggregation identifier carried in the order data in the acquiring institution to obtain an order data list of each data generating end, and to modify the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier, and the data aggregation identifier of the order data before aggregation to a to-be-aggregated identifier;

[0127] The acquiring institution is used to aggregate the payment data corresponding to each order data in the order data list to obtain the total payment data of the order data list, and transfer the total payment data to the supervision contract account set by the data generation end in the data splitting institution, and generate a split reference file corresponding to the order data list, each split reference file corresponds to a data generation end, the file identifier of the split reference file includes the data generation end identifier and the data aggregation period, and the split reference file includes the order data information of the data generation end in the acquiring institution;

[0128] The acquiring institution is used to send the split reference file to the corresponding data generation end according to the file identifier of the split reference file;

[0129] The data generation end is used to merge the split reference files sent by different acquiring institutions according to the data aggregation cycle to obtain the comprehensive reference file of the data generation end, and send the comprehensive reference file to the data splitting institution;

[0130] The data splitting agency is used to split the data of the regulatory contract account of the data generating end in the data splitting agency according to the comprehensive reference file of each data generating end.

[0131] An embodiment of the present application also provides a computer-readable storage medium, in which computer execution instructions are stored. When the computer execution instructions are executed on a computer, the computer executes the technical solution of the data splitting method of the above embodiment.

[0132] An embodiment of the present application also provides a computer program product, which includes a computer program stored in a computer-readable storage medium. At least one processor can read the computer program from the computer-readable storage medium. When at least one processor executes the computer program, it can implement the technical solution of the data splitting method in the above embodiment.

[0133] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or modules, which can be electrical, mechanical or other forms.

[0134] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to implement the solution of this embodiment.

[0135] In addition, each functional module in each embodiment of the present application can be integrated into one processing unit, or each module can exist physically separately, or two or more modules can be integrated into one unit. The above-mentioned module-composed unit can be implemented in the form of hardware or in the form of hardware plus software functional units.

[0136] The above-mentioned integrated module implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to perform some steps of the methods of various embodiments of the present application.

[0137] The above storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The storage medium can be any available medium that can be accessed by a general or special purpose computer.

[0138] An exemplary storage medium is coupled to a processor so that the processor can read information from the storage medium and write information to the storage medium. Of course, the storage medium can also be a component of the processor. The processor and the storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the storage medium can also exist as discrete components in an electronic control unit or a main control device.

[0139] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0140] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A data splitting method, characterized in that: Applied to a data splitting system, the data splitting system includes: a data splitting mechanism and at least one acquiring mechanism connected to a data generating end, the method includes: The acquiring institution aggregates the order data of each data generating terminal on the acquiring institution according to the data generating terminal identifier and the data aggregation identifier carried in the order data in the acquiring institution to obtain an order data list of each data generating terminal, and modifies the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier, and the data aggregation identifier of the order data before aggregation is an identifier to be aggregated; The acquiring institution aggregates the payment data corresponding to each order data in the order data list to obtain the total payment data of the order data list, and transfers the total payment data to the supervision contract account set by the data generation end in the data splitting institution, and generates a split reference file corresponding to the order data list, each of the split reference files corresponds to one data generation end, the file identifier of the split reference file includes the data generation end identifier and the data aggregation period, and the split reference file includes the order data information of the data generation end in the acquiring institution; The acquiring institution sends the split reference file to the corresponding data generating end according to the file identifier of the split reference file; The data generation end merges the split reference files sent by different acquiring institutions according to the data aggregation cycle to obtain a comprehensive reference file of the data generation end, and sends the comprehensive reference file to the data splitting institution; The data splitting mechanism performs data splitting on the regulatory contract account of the data generating end in the data splitting mechanism according to the comprehensive reference file of each data generating end.

2. The method according to claim 1, characterized in that The system further includes: a clearing agency, wherein the total payment data is transferred to the supervision contract account set by the data generation end in the data splitting agency, including: The acquiring institution sends a loading request to the clearing institution, wherein the loading request carries business function information; The clearing institution matches the business function information with the text information of each business function interface in the clearing institution, and generates a dynamic link library for the successfully matched business function interface, and sends the dynamic link library to the acquiring institution; The acquiring institution calls the clearing interface from the dynamic link library to transfer the total payment data to the regulatory contract account.

3. The method according to claim 1, characterized in that The data splitting mechanism performs data splitting on the regulatory contract account of the data generating terminal in the data splitting mechanism according to the comprehensive reference file of each data generating terminal, including: The data splitting mechanism obtains preset data splitting party information, a transaction result of at least one order data of the data generating end, and data splitting information of the order data; The data splitting mechanism performs data splitting on the regulatory contract account of the data generating end in the data splitting mechanism according to the comprehensive reference file, the transaction result, the data splitting information and the data splitting party information.

4. The method according to claim 3, characterized in that The data splitting mechanism performs data splitting on the regulatory contract account of the data generating end in the data splitting mechanism according to the comprehensive reference file, the transaction result, the data splitting information and the data splitting party information, including: The data splitting mechanism extracts the successful transaction order data from the comprehensive reference file according to the transaction result; The data splitting mechanism extracts the target data splitting party identifier of the successfully traded order data from the data splitting information, and verifies the business license in the data splitting party information corresponding to the target data splitting party identifier; After the verification is passed, the data splitting mechanism performs data splitting according to the data splitting account in the data splitting party information and the data splitting parameters in the data splitting information.

5. The method according to claim 3, characterized in that: Entering the data splitting information of the order data into the data splitting mechanism includes: The acquiring institution receives the order data sent by the data generating terminal, and sends an order success message to the data generating terminal; When receiving the order success information, the data generating end enters the data splitting information corresponding to the order data into the data splitting mechanism.

6. The method according to claim 5, characterized in that Entering the transaction result of the order data into the data splitting mechanism includes: The acquiring institution determines the transaction result of the order data, and forwards the transaction result of the order data to the data splitting institution via the data generating end.

7. The method according to claim 3, characterized in that The method further comprises: The data generation end sends the data generation end information and the data splitting party information of the data generation end to the data splitting mechanism; When receiving the information of the data generating end, the data splitting mechanism creates a supervision contract account of the data generating end in the data splitting mechanism; When receiving the data splitting party information, the data splitting mechanism stores the data splitting party information in the data splitting mechanism.

8. A data splitting system, characterized in that: include: At least one acquiring institution connected to the data splitting institution and the data generating end; The acquiring institution is used to aggregate the order data of each data generating terminal on the acquiring institution according to the data generating terminal identifier and the data aggregation identifier carried in the order data in the acquiring institution to obtain an order data list of each data generating terminal, and to modify the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier, and the data aggregation identifier of the order data before aggregation is an identifier to be aggregated; The acquiring institution is used to aggregate the payment data corresponding to each order data in the order data list to obtain the total payment data of the order data list, and transfer the total payment data to the supervision contract account set by the data generation end in the data splitting institution, and generate a split reference file corresponding to the order data list, each of the split reference files corresponds to one data generation end, the file identifier of the split reference file includes the data generation end identifier and the data aggregation period, and the split reference file includes the order data information of the data generation end in the acquiring institution; The acquiring institution is used to send the split reference file to the corresponding data generating end according to the file identifier of the split reference file; The data generation end is used to merge the split reference files sent by different data generation ends according to the data aggregation period to obtain the comprehensive reference file of the data generation end, and send the comprehensive reference file to the data splitting mechanism; The data splitting mechanism is used to split the data of the regulatory contract account of the data generating end in the data splitting mechanism according to the comprehensive reference file of each data generating end.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 7 when executed by a processor.

10. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 7 when being executed by a processor.

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