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

Abstract

The application provides a data splitting method, a data splitting system, a storage medium and a program product. It relates to the technical field of data processing. The method is applied to a data splitting system, the system comprising at least one collecting institution connected with a data splitting mechanism and a data generation end. The method comprises the following steps: the collecting institution obtains order data lists of each data generation end and total payment data, and transfers the total payment data to a regulatory contract account of the data generation end, generates a splitting reference file corresponding to the order data list, and sends the splitting reference file to the corresponding data generation end; the data generation end sends a comprehensive reference file to the data splitting mechanism; and the data splitting mechanism splits data of the regulatory contract account. According to the method, an additional separate data splitting mechanism is arranged to uniformly split data of a plurality of collecting institutions connected with the data generation end, so that the data splitting efficiency of the collecting institution is improved.

Description

Technical Field

[0001] This 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 Technology

[0002] With the widespread adoption of the internet, numerous acquiring institutions have emerged in the merchant acquiring market. In these complex transaction environments, efficient and accurate data segmentation of the order data processed by each acquiring institution has become crucial.

[0003] In existing technologies, a data generation terminal can typically connect to multiple acquiring institutions, and each acquiring institution independently manages and splits the order data received from multiple users.

[0004] However, existing data splitting methods cannot perform unified data splitting for multiple acquiring institutions connected to the data generation end, resulting in low data splitting efficiency. Summary of the Invention

[0005] This application provides a data splitting method, a data splitting system, a storage medium, and a program product for uniformly splitting data across multiple acquiring institutions connected to the data generation end, thereby improving the data splitting efficiency of the acquiring institutions.

[0006] In a first aspect, this application provides a data splitting method applied to a data splitting system, which includes: a data splitting agency and at least one acquiring agency that is connected to the data generation end. The method includes: the acquiring agency summarizing the order data of each data generation end on the acquiring agency according to the data generation end identifier and data summarization identifier carried in the order data within the acquiring agency to obtain an order data list for each data generation end, and modifying the data summarization identifier of the order data summarized into the order data list to a summarized identifier, and the data summarization identifier of the order data before summarization to a pending summarization identifier;

[0007] The acquiring institution aggregates the payment data corresponding to each order in the order data list to obtain the total payment data of the order data list. The total payment data is then allocated to the regulatory contract account set up by the data generation end in the data splitting institution, and a splitting reference file corresponding to the order data list is generated. Each splitting reference file corresponds to a data generation end. The file identifier of the splitting reference file includes the data generation end identifier and the data aggregation period. The splitting 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 terminal based on the file identifier of the split reference file;

[0009] The data generation end merges the split reference files sent by different acquirers according to a data aggregation period to obtain a comprehensive reference file of the data generation end, and sends the comprehensive reference file to the data splitting mechanism.

[0010] The data splitting mechanism splits data of the regulatory contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file of each data generation end.

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

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

[0013] The clearing mechanism matches the business function information and the text information of each business function interface in the clearing mechanism, and generates a dynamic link library for the matched business function interface to send the dynamic link library to the acquirer;

[0014] The acquirer calls a clearing interface from the dynamic link library to transfer the total payment data to the regulatory contract account.

[0015] In a possible design, the data splitting mechanism splits data of the regulatory contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file of each data generation end, including:

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

[0017] The data splitting mechanism splits data of the regulatory contract account of the data generation 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.

[0018] In a possible design, the data splitting mechanism splits data of the regulatory contract account of the data generation 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:

[0019] The data splitting mechanism extracts a transaction success order data from the comprehensive reference file according to the transaction result;

[0020] The data splitting mechanism extracts a target data splitting party identifier of the transaction success order data from the data splitting information, and verifies a business license in the data splitting party information corresponding to the target data splitting party identifier;

[0021] After verification, the data splitting mechanism splits data according to the data splitting account in the data splitting party information and the data splitting parameter in the data splitting information.

[0022] In a possible design, the data splitting information of the order data is entered into the data splitting mechanism, including:

[0023] The data generation end sends the order data to the data splitting mechanism, and the data splitting mechanism sends the order data to the data generation end;

[0024] The data generation end receives the order data from the data splitting mechanism, and the data splitting mechanism sends the order data to the data generation end.

[0025] In a possible design, the data splitting information of the order data is entered into the data splitting mechanism, including:

[0026] The data generation end sends the order data to the data splitting mechanism, and the data splitting mechanism sends the order data to the data generation end;

[0027] In a 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 mechanism;

[0029] The data splitting mechanism creates a supervision contract account of the data generation end in the data splitting mechanism when receiving the data generation end information;

[0030] The data splitting mechanism stores the data splitting party information in the data splitting mechanism when receiving the data splitting party information.

[0031] In a possible design, the method further includes:

[0032] 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;

[0033] The acquirer is configured to aggregate payment data corresponding to each order data in the order data list to obtain total payment data of the order data list, and transfer the total payment data to a supervision contract account set by the data generation end in the data splitting mechanism, and generate a splitting reference file corresponding to the order data list, each splitting reference file corresponding to one data generation end, the file identifier of the splitting reference file including a data generation end identifier and a data aggregation period, and the splitting reference file including order data information of the data generation end in the acquirer;

[0034] The acquirer is configured to send the splitting reference file to the corresponding data generation end according to the file identifier of the splitting reference file.

[0035] The data generation end is configured to merge the splitting reference files sent by different acquirers according to the data aggregation period to obtain a comprehensive reference file of the data generation end, and send the comprehensive reference file to the data splitting mechanism.

[0036] The data splitting mechanism is configured to split the supervision contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file of each data generation end.

[0037] In a third aspect, an embodiment of the present application provides a computer readable storage medium, and the computer readable storage medium stores computer execution instructions, and when a processor executes the computer execution instructions, a data splitting method according to the first aspect is implemented.

[0038] In a fourth aspect, an embodiment of the present application provides a computer program product, and the computer program product includes a computer program, and when the computer program is executed by a processor, a data splitting method according to the first aspect is implemented.

[0039] The 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 comprises at least one collecting institution connected with a data splitting mechanism and a data generation end, and the method comprises the following steps: the collecting institution collects order data of each data generation end in the collecting institution according to a data generation end identifier and a data summary identifier carried in the order data, obtains an order data list of each data generation end, and modifies the data summary identifier of the order data in the order data list to a summarized identifier; the data summary identifier of the order data before summarization is a to-be-summarized identifier; the collecting institution collects payment data corresponding to each order data in the order data list to obtain total payment data of the order data list, and transfers the total payment data to a supervision contract account set by the data generation end in the data splitting mechanism, generates a splitting reference file corresponding to the order data list, each splitting reference file corresponds to one data generation end, a file identifier of the splitting reference file comprises the data generation end identifier and a data summary period, and the splitting reference file comprises order data information of the data generation end in the collecting institution; the collecting institution sends the splitting reference file to the corresponding data generation end according to the file identifier of the splitting reference file; the data generation end merges the splitting reference files sent by different collecting institutions according to the data summary period to obtain a comprehensive reference file of the data generation end, and sends the comprehensive reference file to the data splitting mechanism; and the data splitting mechanism splits the supervision contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file of each data generation end.The technical effects are realized as follows: by additionally setting a separate data splitting mechanism, after the user places an order at the data generation end, the data generation end collects orders through the acquirer mechanism connected thereto, the acquirer mechanism respectively aggregates order data of each data generation end on the acquirer mechanism, thereby generating an order data list corresponding to each data generation end, and then generating a split reference file corresponding to each order data list according to the order data list, and transferring the total payment data corresponding to the order data list to the regulatory contract account, and sending the split reference file to the corresponding data generation end, the data generation end aggregates the split reference files sent by multiple acquirer mechanisms to generate a comprehensive reference file, and sends it to the data splitting mechanism, and the data splitting mechanism splits the data of the regulatory contract account of the data generation end in the data splitting mechanism, thereby realizing unified data splitting of multiple acquirer mechanisms connected to the data generation end through the data splitting mechanism, without manually integrating data from each acquirer mechanism, thereby improving the data splitting efficiency of the acquirer mechanism; the acquirer mechanism respectively aggregates the order data of each data generation end connected thereto, thereby obtaining each order data list corresponding to each data generation end, realizing the preliminary aggregation of each order data; the acquirer mechanism aggregates the order data of the data generation end on the acquirer mechanism to obtain the order data list, and obtains the total payment data corresponding to the order data list according to the payment data corresponding to each order data in the order data list, and then transfers the corresponding total payment data to the regulatory contract account set by the data generation end in the data splitting mechanism, and generates a split reference file corresponding to the order data list, solving the problems of how to divide the payment data of each order data to the data splitting mechanism and how to generate multiple split reference files. BRIEF DESCRIPTION OF DRAWINGS

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

[0041] Figure 1 Flowchart of a data splitting method provided by an embodiment of the present application Figure One

[0042] Figure 2 Flowchart of a data splitting method provided by an embodiment of the present application Figure Two

[0043] Through the above drawings, the specific embodiments of the present application have been shown, and will be described in more detail in the following. These drawings and textual descriptions are not intended to limit the scope of the concept 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] The exemplary embodiments will be described in detail herein with reference to the attached drawings. The following description is made with reference to the accompanying drawings in which like reference numerals refer to like elements, and the term "exemplary" is used herein to mean "serving as an example, instance, or illustration." Any implementation described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other implementations. Unless specifically stated otherwise, it is appreciated that, throughout this specification, functions or constructions described as taking place in a certain manner can in fact take place in other manners, and that embodiments other than the described ones can take place. The embodiments described herein are examples and do not limit the scope of the application described in the attached claims.

[0045] In the embodiments of the present application, the terms "first", "second", and the like are used to distinguish between similar or identical items or components that have substantially the same function and role. Those skilled in the art can understand that the terms "first", "second", and the like do not limit the quantity and execution order, and the terms "first", "second", and the like do not necessarily mean different. It should be noted that in the embodiments of the present application, the words "exemplary" or "for example" are used to indicate an example, illustration, or description. Any embodiment or design solution described as "exemplary" or "for example" in the present application should not be interpreted as more preferred or more advantageous than other embodiments or design solutions. Rather, the use of the words "exemplary" or "for example" is intended to present the relevant concept in a specific manner. In the embodiments of the present application, "at least one" means one or more, and "multiple" means two or more.

[0046] It should be noted that "at the time of" in the embodiments of the present application can be at the moment when a certain condition occurs, or within a period of time after the occurrence of a certain condition, which is not specifically limited in the embodiments of the present application. In addition, the data splitting method provided in the embodiments of the present application is only an example, and a data splitting method can also include more or less content.

[0047] In the technical solutions of the present application, the collection, storage, use, processing, transmission, provision, and disclosure of information such as financial data or user data comply with relevant laws and regulations and do not violate public order and good customs.

[0048] It should be noted that in the embodiments of the present application, some software, components, models, and other existing industry solutions can be mentioned, which should be considered as exemplary, and the purpose is only to illustrate the feasibility of the implementation of the technical solutions 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, the field of e-commerce and online payment has ushered in unprecedented growth opportunities. In this context, a large number of acquirers of different sizes and types have emerged in the merchant acquirer market, providing merchants with diverse payment solutions and services. In such a market environment, for the same data generation end (transaction platform), simultaneous access to multiple acquirers has become the norm, which not only improves payment success rate, but also optimizes user experience.

[0050] However, in actual operation, when a data generation end is connected to multiple acquirers, how to efficiently manage order data information from different channels and achieve accurate data splitting becomes a technical problem to be solved. Although there are various data splitting schemes in the prior art, most of them are limited to internal use of a single acquirer, lacking unified data splitting capability across platforms and institutions. This means that if a data generation end wants to comprehensively and meticulously manage all its transactions, it usually needs to manually integrate data from various acquirers, which undoubtedly increases workload, 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 aim to solve the above technical problems of the prior art. By additionally setting up a separate data splitting institution, the acquirer can send the order data received by the acquirer itself to the data generation end after splitting reference files, the data generation end can integrate the splitting reference files sent by the acquirers connected to the data generation end, and then send the integrated reference files to the data splitting institution, so that the data splitting institution can uniformly split the data of the multiple acquirers connected to the data generation end, thereby improving the data splitting efficiency of the acquirer.

[0052] The technical solutions of the present application and how the technical solutions of the present application solve the above technical problems will be 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 described again in some embodiments. The embodiments of the present application will be described below with reference to the accompanying drawings.

[0053] According to the first aspect of the present application, the embodiments disclose a data splitting method.

[0054] Figure 1 The flowchart of a data splitting method provided by the embodiments of the present application Figure One . As shown in Figure 1 , the data splitting method is applied to a data splitting system, the data splitting system includes at least one acquirer connected to a data generation end and a data splitting institution, and the method includes:

[0055] S101, the acquirer generates an end identifier and a data summary identifier according to the data carried in the order data in the acquirer, and summarizes the order data of each data generation end in the acquirer to obtain an order data list of each data generation end, and modifies the data summary identifier of the order data summarized in the order data list to a summarized identifier.

[0056] In the embodiment of the application, the data generation end refers to various platforms that can enable merchants and users to trade, such as various online application programs (Application, APP) and the like. The acquirer is used to provide merchant acquirer services, and the 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, help merchants accept various payment methods, improve sales efficiency, and also clear payment data to the merchant. Each data generation end can be connected to multiple acquirers, and each acquirer can collect order data of multiple data generation ends.

[0057] Specifically, after the user places an order in the data generation end, each order data generated after completing the order in each data generation end carries the data generation end identifier corresponding to the data generation end, and the data summary identifier for marking whether the order data has been summarized in the acquirer. Before the acquirer summarizes the order data, the data summary identifier of the order data is a to-be-summarized identifier.

[0058] That is, the acquirer can collect the order data of each data generation end connected thereto after completing the order in each data generation end, and according to the data generation end identifier and the data summary identifier corresponding to the data generation end carried in the order data after the collection, the order data of each data generation end in the acquirer is summarized respectively to obtain the order data list corresponding to each data generation end, that is, the acquirer can summarize the order data of all transactions of each data generation end through the acquirer, and generate multiple order data lists corresponding to each data generation end respectively, and all order data of a data generation end in an acquirer corresponds to an order data list. Further, the acquirer can modify the data summary identifier of each order data in the order data list after summarizing to a summarized identifier.

[0059] The acquirer summarizes the order data of each data generation end connected thereto respectively, thereby obtaining the order data list corresponding to each data generation end respectively, and completes the preliminary summary of each order data.

[0060] S102, the order data list corresponding to the payment data of each order data is summarized to obtain the total payment data of the order data list, and the total payment data is transferred to the supervision contract account set by the data generation end in the data splitting mechanism, and a splitting reference file corresponding to the order data list is generated.

[0061] In the embodiments of the present application, each splitting reference file corresponds to one data generation end, the file identifier of the splitting reference file includes a data generation end identifier and a data aggregation period, the splitting reference file includes order data information of the data generation end in the order receiving institution, and the order data information includes order data number, customer information, commodity information, distribution information, order data date and order data state, etc. The order data number is used to uniquely identify the order data, which is a unique identification code for each order data, used for tracking and managing order data; the customer information includes the name, contact information and address of the user, etc.; the commodity information is used to list the commodity name, quantity, unit price and total price, etc. contained in the order data; the distribution information includes the distribution method, the expected delivery time and the waybill number, etc.; the order data date includes the date and specific time of order data creation; and the order data state represents the current processing stage of the order data.

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

[0063] Specifically, after the order receiving institution respectively aggregates multiple order data of each data generation end in the order receiving institution to obtain the order data list corresponding to each data generation end, for each order data list, the payment data corresponding to each order data in the order data list can be further aggregated 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 by the data generation end corresponding to the order data list in the data splitting mechanism, and a splitting reference file corresponding to the order data list is generated. That is, in each order receiving institution, all order data of one data generation end can correspond to generate one order data list, and one order data list can further generate one splitting reference file.

[0064] The order data list is generated by aggregating data of the order data of the data generation end on the acquirer, and the total payment data corresponding to the order data list is obtained according to the payment data corresponding to each order data in the order data list, and then the corresponding total payment data is transferred to the supervision contract account set by the data generation end in the data splitting mechanism, and the splitting reference file corresponding to the order data list is generated, thereby solving the problems of how to divide the payment data of each order data to the data splitting mechanism and how to generate multiple splitting reference files.

[0065] S103, the acquirer sends the splitting reference file to the corresponding data generation end according to the file identifier of the splitting reference file.

[0066] Specifically, after each acquirer generates the splitting reference file corresponding to each order data list, the acquirer can send each splitting reference file to the corresponding data generation end according to the data generation end identifier in the file identifier of the splitting reference file.

[0067] S104, the data generation end merges the splitting reference files sent by different acquirers according to the data aggregation period to obtain a comprehensive reference file of the data generation end.

[0068] Specifically, after each data generation end receives the splitting reference files sent by the multiple acquirers connected thereto, the data generation end can merge the splitting reference files sent by the multiple acquirers according to the data aggregation period in the file identifier carried by the splitting 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 acquirers in the same data aggregation period.

[0069] S105, the data generation end sends the comprehensive reference file to the data splitting mechanism.

[0070] In the embodiments of the present application, after each data generation end aggregates the splitting reference files sent by multiple acquirers to obtain a comprehensive reference file corresponding to the data generation end, the data generation end can further send the comprehensive reference file to the data splitting mechanism to uniformly split the order data of the multiple acquirers connected to the data generation end through the data splitting mechanism.

[0071] S106, the data splitting mechanism splits the data of the supervision contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file of each data generation end.

[0072] Specifically, each data generation end is provided with a corresponding supervision contract account in the data splitting mechanism. Therefore, after receiving the comprehensive reference file corresponding to the plurality of acquirers sent by each data generation end, the data splitting mechanism can split the payment data in the supervision contract account corresponding to each data generation end in the data splitting mechanism according to the comprehensive reference file sent by each data generation end. The payment data in the supervision contract account corresponding to each data generation end is derived from the plurality of total payment data allocated by the plurality of acquirers connected to the data generation end. Thus, by additionally setting a separate data splitting mechanism and realizing unified data splitting of the plurality of acquirers connected to the data generation end through the data splitting mechanism, the data splitting efficiency of the acquirer is improved.

[0073] The data splitting method provided in the embodiment is applied to a data splitting system, and the data splitting system includes a data splitting mechanism and at least one acquirer connected to a data generation end. The method includes: the acquirer aggregates order data of each data generation end on the acquirer according to a data generation end identifier and a data aggregation identifier carried in order data in the acquirer to obtain an order data list of each data generation 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 a to-be-aggregated identifier; the acquirer aggregates payment data corresponding to each order data in the order data list to obtain total payment data of the order data list, and allocates the total payment data to a supervision contract account set by the data generation end in the data splitting mechanism, and generates a splitting reference file corresponding to the order data list, each splitting reference file corresponds to one data generation end, the file identifier of the splitting reference file includes the data generation end identifier and a data aggregation period, and the splitting reference file includes order data information of the data generation end in the acquirer; the acquirer sends the splitting reference file to the corresponding data generation end according to the file identifier of the splitting reference file; the data generation end merges the splitting reference files sent by different acquirers according to the data aggregation period to obtain a comprehensive reference file of the data generation end, and sends the comprehensive reference file to the data splitting mechanism; and the data splitting mechanism splits the supervision contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file of each data generation end.

[0074] The following technical effects are achieved: by additionally setting a separate data splitting mechanism, after the user places an order at the data generation end, the data generation end performs collection through the collection mechanism connected thereto, the collection mechanism respectively aggregates order data of each data generation end on the collection mechanism, thereby generating an order data list corresponding to each data generation end, and then generating a split reference file corresponding to each order data list according to the order data list, and transferring total payment data corresponding to the order data list to a regulatory contract account, and sending the split reference file to the corresponding data generation end, the data generation end aggregates the split reference files sent by multiple collection mechanisms to generate a comprehensive reference file, and sends it to the data splitting mechanism, and the data splitting mechanism splits the data of the regulatory contract account of the data generation end in the data splitting mechanism, thereby realizing unified data splitting of multiple collection mechanisms connected to the data generation end through the data splitting mechanism, without manually integrating data from each collection mechanism, thereby improving the data splitting efficiency of the collection mechanism; the collection mechanism respectively aggregates order data of each data generation end connected thereto, thereby obtaining each order data list corresponding to each data generation end, thereby realizing preliminary aggregation of each order data; the collection mechanism aggregates order data of the data generation end on the collection mechanism to obtain an order data list, and obtains total payment data corresponding to the order data list according to payment data corresponding to each order data in the order data list, and then transfers the corresponding total payment data to the regulatory contract account set by the data generation end in the data splitting mechanism, and generates a split reference file corresponding to the order data list, thereby solving the problems of how to divide the payment data of each order data to the data splitting mechanism and how to generate multiple split reference files.

[0075] Figure 2 Flowchart of a data splitting method provided by the embodiment of the application Figure Two In a possible example, as shown in Figure 2 the embodiment further details the specific process of the data splitting method on the basis of the Figure 1 embodiment. As shown in Figure 2 the method comprises:

[0076] S201, the collection mechanism aggregates order data of each data generation end on the collection mechanism according to a data generation end identifier and a data aggregation identifier carried in the order data in the collection mechanism to obtain an order data list of each data generation end, and modifies the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier.

[0077] S202, the collection mechanism aggregates payment data corresponding to each order data in the order data list to obtain total payment data of the order data list.

[0078] S201-S202 are similar to S101-S102, and the embodiments will not be described again for the same parts.

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

[0080] Specifically, the data splitting system can also include a clearing institution for providing payment data clearing services for each acquirer. In order to transfer the total payment data to the regulatory contract account set by the data generation end in the data splitting institution, the acquirer can first send a load request to the clearing institution included in the data splitting system, which carries business function information, used to determine the target business interface from each business function interface of the clearing institution, to transfer the total payment data of the acquirer to the regulatory contract account.

[0081] S204, 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 business function interface that matches successfully.

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

[0083] S205, the clearing institution sends the dynamic link library to the acquirer.

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

[0085] S206, the acquirer calls the clearing interface from the dynamic link library to transfer the total payment data to the regulatory contract account.

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

[0087] S207, the acquirer generates a splitting reference file corresponding to the order data list.

[0088] S208, the acquirer sends the splitting reference file to the corresponding data generation end according to the file identifier of the splitting reference file.

[0089] S209, the data generation end merges the split reference files sent by different acquirers according to a data aggregation period 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 mechanism.

[0091] S207-S210 are similar to S102-S105, and the same parts are not described again in this embodiment.

[0092] S211, the acquirer receives the order data sent by the data generation end.

[0093] Specifically, in order to facilitate the data splitting mechanism to split the data of the supervision contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file, the data splitting information of each order data can be first entered into the data splitting mechanism. The content of the data splitting information includes the information of the multiple data splitting parties (including name, business license, data splitting account, account information, multiple branch organizations of the merchant and data splitting role, etc.) which need to split the data of the order data, the payment data corresponding to the order data, and the payment data share, data splitting party identifier and data splitting parameter information for data splitting to each data splitting party. The data splitting party can include the merchant, the platform of the data generation end, the providing mechanism of the third-party transportation service, the providing mechanism of the promotion service, the tax agency, etc.

[0094] That is, after the user places an order in the data generation end, the data generation end can send the order data to the acquirer, so that the acquirer can collect the order data and send the user order success information to the data generation end.

[0095] S212, the acquirer sends the order success information to the data generation end.

[0096] Specifically, after receiving the order data sent by the data generation end, the acquirer can collect the order data, and can further feed back the order success information to the data generation end after the collection is successful.

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

[0098] Specifically, when the data generation end receives the user order success information sent by the acquirer, the data generation end can enter the data splitting information of the order data into the data splitting mechanism.

[0099] S214, the acquirer determines the transaction result of the order data.

[0100] Specifically, in order to facilitate the data splitting mechanism to further split the data of the supervision contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file. The transaction result of the order data can also be entered into the data splitting mechanism. The transaction result includes transaction success, transaction failure, transaction pending, transaction cancellation, transaction refund, transaction partial success or transaction exception.

[0101] Specifically, transaction success means that the transaction has been successfully completed, all parties have received confirmation, and the payment data (i.e. payment funds) or goods have been correctly transferred; transaction failure means that the transaction has not been completed, possibly due to various reasons such as insufficient payment data, account problems, technical errors, etc.; transaction pending means that the transaction is being processed and has not yet been finally confirmed, which may require additional time or information to complete; transaction cancellation means that the transaction has been cancelled, possibly due to user-initiated cancellation, timeout, or other reasons; transaction refund means that the transaction amount has been refunded to the user, usually after a return, cancellation of order data, or dispute resolution; transaction partial success means that part of the transaction has been successfully completed, but the other part has not, which can occur in transactions that are processed in stages; transaction exception means that an abnormal situation has occurred during the transaction process, which requires manual intervention or further investigation.

[0102] That is, the acquirer can further determine the transaction result of the order data after receiving the order data sent by the data generation end.

[0103] S215, the acquirer forwards the transaction result of the order data to the data splitting mechanism via the data generation end.

[0104] Specifically, after determining the transaction result of the order data, the acquirer forwards the transaction result of the order data to the data splitting mechanism via the data generation end. In order to facilitate the data splitting mechanism to 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 data splitting party information of the data generation end to the data splitting mechanism.

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

[0107] Specifically, the data generation end can send the data generation end information and the data splitting party information of the data generation end to the data splitting mechanism. The data generation end information includes the merchant name, the product information, and the data splitting rule (a rule for allocating the total payment data to each data splitting party, which can be based on a fixed data share, a percentage, a hierarchical structure, or other custom rules), etc. The data splitting party information includes the information of multiple branch organizations of the merchant, the business license, the data splitting account, the data generation end service fee, and the information of the third-party transportation platform, etc.

[0108] That is, the data generation end can send the data generation end information and the data splitting party information to the data splitting mechanism, so that the data splitting mechanism stores the data generation end information and the data splitting party information, and further splits the data according to the data generation end information and the data splitting party information.

[0109] S217, the data splitting mechanism creates a regulatory contract account of the data generation end in the data splitting mechanism when receiving the data generation end information.

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

[0111] S218, the data splitting mechanism stores the data splitting party information in the data splitting mechanism when receiving the data splitting party information.

[0112] Specifically, when the data splitting mechanism receives the data splitting party information sent by the data generation end, the data splitting mechanism can store the data splitting party information in the data splitting mechanism.

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

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

[0115] S220, the data splitting mechanism extracts the transaction success order data from the comprehensive reference file according to the transaction result.

[0116] Specifically, before the data splitting mechanism splits the data of the supervisory contract account of the data generation 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, the data splitting mechanism can first extract the order data of a successful transaction from the comprehensive reference file according to the transaction result of each order data, so as to split the order data of a successful transaction.

[0117] Further, the data splitting mechanism can also extract the order data of a partially successful transaction from the comprehensive reference file according to the transaction result of each order data, and also perform the next step of data splitting. However, the order data of a failed transaction, a transaction to be processed, a transaction cancelled, a transaction refunded or an abnormal transaction is not extracted.

[0118] S221, the data splitting mechanism extracts the target data splitting party identifier of the order data of a successful transaction 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 mechanism can extract the data splitting party identifier of the order data of a successful transaction in the pre-stored data splitting information as the target data splitting party identifier. And verify each business license in the data splitting party information corresponding to the target data splitting party identifier.

[0120] Further, the data splitting mechanism can also extract the data splitting party identifier corresponding to the order data of a partially successful transaction as the target data splitting party identifier, and also verify the business license in the data splitting party information corresponding to the target data splitting party identifier, so as to also perform corresponding partial data splitting on the order data of a partially successful transaction.

[0121] S222, after verification, the data splitting mechanism splits the data according to the data splitting account in the data splitting party information and the data splitting parameter in the data splitting information.

[0122] Specifically, after the data splitting mechanism verifies the business license in the data splitting party information, the data splitting mechanism can further split the data of the supervisory contract account of the data generation end in the data splitting mechanism according to the data splitting account in the data splitting party information corresponding to the target data splitting party identifier, and the data splitting parameter in the data splitting information corresponding to the target data splitting party identifier.

[0123] In a possible implementation, the data generation end information and the data splitting party information of the data generation end can also be sent by the data generation end to the data splitting mechanism before the user places an order through the data generation end; the data splitting mechanism creates a supervision contract account of the data generation end in the data splitting mechanism upon receiving the data generation end information; and the data splitting mechanism stores the data splitting party information to the data splitting mechanism upon receiving the data splitting party information. That is, the order of the execution steps of the data splitting method in the embodiments of the present application is not limited specifically.

[0124] The data splitting method provided by the embodiments of the present application enables the clearing institution to generate a corresponding dynamic link library according to the loading request carrying the business function information, so that the clearing interface specially set by the clearing institution for clearing activities can be called from the dynamic link library by the acquirer to respectively allocate the total payment data of each order data list of each data generation end to the supervision contract account corresponding to each data generation end in the data splitting mechanism, thereby solving the problem of how the acquirer safely allocates the total payment data of each data generation end to the supervision contract account in the data splitting mechanism; and the data splitting mechanism can effectively coordinate the order data of the multiple acquirers connected to the data generation end, enhance the flexibility and adaptability of the data generation end, and further improve the flexibility and efficiency of data splitting.

[0125] The embodiments of the present application also provide a data splitting system, comprising: a data splitting mechanism and at least one acquirer connected to a data generation end.

[0126] The acquirer is configured to: aggregate order data of each data generation end in the acquirer according to a data generation end identifier and a data aggregation identifier carried in the order data to obtain an order data list of each data generation end, and modify the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier, wherein the data aggregation identifier of the order data before aggregation is a to-be-aggregated identifier.

[0127] The acquirer is configured to: aggregate payment data corresponding to each order data in the order data list to obtain total payment data of the order data list, and allocate the total payment data to a supervision contract account set by the data generation end in the data splitting mechanism, and generate a splitting reference file corresponding to the order data list, each splitting reference file corresponding to one data generation end, wherein a file identifier of the splitting reference file comprises a data generation end identifier and a data aggregation period, and the splitting reference file comprises order data information of the data generation end in the acquirer.

[0128] The acquirer is configured to send the split reference file to a corresponding data generation end according to a file identifier of the split reference file;

[0129] The data generation end is configured to merge the split reference files sent by different acquirers according to a data aggregation period to obtain a comprehensive reference file of the data generation end, and send the comprehensive reference file to the data splitting mechanism.

[0130] The data splitting mechanism is configured to split data of a regulatory contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file of each data generation end.

[0131] The embodiment of the application further provides a computer readable storage medium, which stores computer execution instructions, and when the computer execution instructions run on a computer, the computer is caused to execute the technical solution of the data splitting method of the above embodiment.

[0132] The embodiment of the application further provides a computer program product, which comprises 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, and when the at least one processor executes the computer program, the technical solution of the data splitting method in the above embodiment can be realized.

[0133] In several embodiments provided in the 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 the modules is only a logical function division, and actual implementation can have another division manner, for example, a plurality of modules can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between the displayed or discussed modules can be indirect coupling or communication connection through some interfaces, devices or modules, and can be electrical, mechanical or other forms.

[0134] The modules described as separate components can or can not be physically separated, and the components displayed as modules can or can not be physical units, that is, they can be located in one place, or can be distributed on a plurality of network units. Part or all of the modules can be selected to implement the embodiment scheme according to actual needs.

[0135] In addition, the functional modules in each embodiment of the application can be integrated in one processing unit, or each module can be physically present alone, or two or more modules can be integrated in one unit. The unit composed of the above modules can be realized in the form of hardware, or in the form of hardware plus software function unit.

[0136] The integrated modules implemented in the form of software function modules can be stored in a computer readable storage medium. The software function modules are stored in a storage medium and include a plurality of instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to execute part of the steps of the methods of the embodiments of the present application.

[0137] The storage medium can be realized by any type of volatile or nonvolatile storage devices or a combination thereof, such as a static random access memory (SRAM), an electrically erasable programmable read-only memory (EEPROM), an erasable programmable read-only memory (EPROM), a programmable read-only memory (PROM), a read-only memory (ROM), a magnetic storage, a flash memory, a magnetic disk, or an 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 such that the processor can read information from, and write information to, the storage medium. Of course, the storage medium can be part 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 be located in a remote terminal or a server.

[0139] It should be understood by those skilled in the art that all or part of the steps of the above-mentioned method embodiments can be completed by program instruction related hardware. The foregoing 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 foregoing storage medium includes ROM, RAM, magnetic disk or optical disk and various storage 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, and not to limit them; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that they can still modify the technical solutions recorded in the foregoing embodiments, or make equivalent replacements for part or all of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A data splitting method, characterized by, The application is applied to a data splitting system, the data splitting system comprises at least one collecting institution connected with a data splitting mechanism and a data generation end, and the method comprises the following steps: The collecting institution aggregates order data of each data generation end in the collecting institution according to a data generation end identifier and a data aggregation identifier carried in the order data, obtains an order data list of each data generation end, and modifies the data aggregation identifier of the order data aggregated into the order data list to an aggregated identifier, wherein the data aggregation identifier of the order data before aggregation is a to-be-aggregated identifier; The collecting institution aggregates payment data corresponding to each order data in the order data list to obtain total payment data of the order data list, transfers the total payment data to a supervision contract account of the data generation end set in the data splitting mechanism, generates a splitting reference file corresponding to the order data list, each splitting reference file corresponds to one data generation end, a file identifier of the splitting reference file comprises a data generation end identifier and a data aggregation period, and the splitting reference file comprises order data information of the data generation end in the collecting institution; The collecting institution sends the splitting reference file to the corresponding data generation end according to the file identifier of the splitting reference file; The data generation end merges the splitting reference files sent by different collecting institutions according to the data aggregation period to obtain a comprehensive reference file of the data generation end, and sends the comprehensive reference file to the data splitting mechanism; The data splitting mechanism performs data splitting on the supervision contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file of each data generation end.

2. The method of claim 1, wherein, The system further comprises a clearing institution, and the step of transferring the total payment data to the supervision contract account of the data generation end set in the data splitting mechanism comprises the following steps: The collecting 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 text information of each business function interface in the clearing institution, generates a dynamic link library for a successfully matched business function interface, and sends the dynamic link library to the collecting institution; The collecting institution calls a clearing interface from the dynamic link library to transfer the total payment data to the supervision contract account.

3. The method of claim 1, wherein, The data splitting mechanism performs data splitting on the supervision contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file of each data generation end, which comprises the following steps: The data splitting mechanism acquires preset data splitting party information, transaction results of at least one order data of the data generation end, and data splitting information of the order data; The data splitting mechanism performs data splitting on the supervision contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file, the transaction results, the data splitting information, and the data splitting party information.

4. The method of claim 3, wherein, The data splitting mechanism splits data of the supervision contract account of the data generation 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, and the method comprises the following steps of: The data splitting mechanism extracts transaction successful 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 transaction successful 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 splits data according to the data splitting account in the data splitting party information and the data splitting parameter in the data splitting information.

5. The method of claim 3, wherein, The data splitting information of the order data is input into the data splitting mechanism, which comprises the following steps of: The data generation end inputs the data splitting information corresponding to the order data into the data splitting mechanism after receiving the order placement success information. The transaction result of the order data is input into the data splitting mechanism, which comprises the following steps of:

6. The method of claim 5, wherein, The data generation end inputs the data splitting information corresponding to the order data into the data splitting mechanism after receiving the order placement success information. The method further comprises the following steps of:

7. The method of claim 3, wherein, The data generation end sends the data generation end information of the data generation end and the data splitting party information to the data splitting mechanism; The data splitting mechanism creates a supervision contract account of the data generation end in the data splitting mechanism after receiving the data generation end information; The data splitting mechanism stores the data splitting party information to the data splitting mechanism after receiving the data splitting party information. Comprise:

8. A data splitting system characterized by, At least one acquirer connected between the data splitting mechanism and the data generation end; The acquirer is used to aggregate order data of each data generation end in the acquirer according to data generation end identifier and data aggregation identifier carried in the order data of the acquirer, to obtain order data list of each data generation end, and modify data aggregation identifier of the order data aggregated into the order data list to aggregated identifier, and data aggregation identifier of the order data before aggregation is to be aggregated identifier; The acquirer is used to aggregate payment data corresponding to each order data in the order data list to obtain 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 mechanism, and generate splitting reference file corresponding to the order data list, each splitting reference file corresponds to one data generation end, file identifier of the splitting reference file comprises data generation end identifier and data aggregation period, and the splitting reference file comprises order data information of the data generation end in the acquirer; ​ The acquirer is configured to send the split reference file to the corresponding data generation end according to a file identifier of the split reference file. The data generation end is configured to merge the split reference files sent by different data generation ends according to a data aggregation period, to obtain a comprehensive reference file of the data generation end, and send the comprehensive reference file to the data splitting mechanism. The data splitting mechanism is configured to split data of a supervision contract account of the data generation end in the data splitting mechanism according to the comprehensive reference file of each data generation end.

9. A computer-readable storage medium, characterized in that, The computer readable storage medium stores computer execution instructions, and the computer execution instructions are executed by the processor to implement the method in any one of claims 1-7.

10. A computer program product, characterised in that, The computer program is executed by the processor to implement the method in any one of claims 1-7.

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