Service transaction settlement method and device

Abstract

The invention discloses a service transaction settlement method and device, and relates to the technical field of computers. A specific embodiment of the method comprises the following steps: in response to received transaction payment information of a service, sending a generated transaction voucher of the service to a user; in response to a received service fulfillment request from a user, determining a settlement mode of the service according to the transaction voucher in the service fulfillment request; and monitoring a service fulfillment process of the service according to the settlement mode, and generating a charging list of the service under the condition that a fulfillment node meets a triggering condition of the settlement mode, so as to perform settlement on a supplier of the service according to the charging list. According to the embodiment, the charging list is automatically generated by monitoring the performance nodes meeting the trigger conditions, and convenience is provided for online transaction and online settlement of service items.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a service transaction settlement method and device. Background Art

[0002] With the development and popularization of Internet technology, online transactions are not limited to the transactions of physical items, but also support transactions of various services, such as online training, online medical consultation, etc. At present, online transactions of various services are executed based on the supply chain system of physical items.

[0003] In the process of implementing the present invention, the inventors found that the prior art has the following problems:

[0004] The existing supply chain system for physical items cannot meet the demands of online transactions for various services. Especially in terms of supplier settlement, the current supply chain system for physical items can only settle physical items once according to the account period, while suppliers of various services usually use installment settlement, which makes it impossible to realize the settlement of various service items in the supply chain system for physical items. Summary of the invention

[0005] In view of this, an embodiment of the present invention provides a service transaction settlement method and device, which automatically generates a bill by monitoring the fulfillment nodes that meet the trigger conditions, thereby facilitating online transactions and online settlements of service items.

[0006] To achieve the above object, according to one aspect of an embodiment of the present invention, a transaction settlement method for a service is provided, comprising:

[0007] In response to receiving the transaction payment information of the service, sending the generated transaction voucher of the service to the user;

[0008] In response to receiving a service performance request from a user, determining a settlement method for the service according to the transaction credential in the service performance request;

[0009] According to the settlement method, the service fulfillment process of the service is monitored, and when the fulfillment node meets the triggering condition of the settlement method, a billing slip for the service is generated to settle with the supplier of the service according to the billing slip.

[0010] Optionally, before sending the generated transaction voucher for the service to the user, the method further includes: storing and associating the business data of the preset service according to data attributes, and constructing service master data to list the service as an item for transaction; the transaction voucher for the service is generated in the following manner: according to the transaction item code in the transaction payment information, querying the service identifier associated with the transaction item code from the service master data; and generating the transaction voucher for the service according to the service identifier and the user information.

[0011] Optionally, the settlement method of the service is determined according to the transaction voucher in the service fulfillment request, including: according to the transaction voucher, querying the corresponding settlement method from the service master data, the settlement method is the first settlement method or the second settlement method, and the triggering conditions of the first settlement method and the second settlement method are different fulfillment nodes in the service fulfillment process.

[0012] Optionally, the settlement method is the first settlement method; according to the settlement method, the service fulfillment process of the service is monitored, and when the fulfillment node meets the triggering condition of the settlement method, a billing slip for the service is generated, including: determining whether the monitored service fulfillment node is a service issuance node; when the service fulfillment node is a service issuance node, according to the transaction voucher, querying the corresponding installment settlement rules and settlement amount from the service master data; according to the installment settlement rules, obtaining each settlement period and settlement ratio of the service, and then combining the settlement amount to obtain the billing slip corresponding to each settlement period of the service.

[0013] Optionally, the service has a service validity period. If there is a settlement period that exceeds the service validity period among the settlement periods of the service, the bill of the service is determined in the following manner: the settlement periods of the service are divided into two parts using the service validity period, one part is a normal settlement period that does not exceed the service validity period, and the other part is an overtime settlement period that exceeds the service validity period; the service validity period is taken as the last settlement period, and the total amount of the settlement amounts corresponding to the overtime settlement periods is taken as the settlement amount corresponding to the last settlement period to obtain the bill of the last settlement period; based on the bill corresponding to the normal settlement period and the bill corresponding to the last settlement period, the bill corresponding to each settlement period of the service is obtained.

[0014] Optionally, the settlement method is the second settlement method; according to the settlement method, the service fulfillment process of the service is monitored, and when the fulfillment node meets the triggering conditions of the settlement method, a billing slip for the service is generated, including: determining whether the monitored service fulfillment node is a service write-off node; when the service fulfillment node is a service write-off node, according to the transaction voucher, querying the corresponding settlement information from the service master data; and generating a billing slip for the service based on the settlement information.

[0015] Optionally, after generating the bill for the service, the method further comprises: displaying the bill on a visualization page so that an operator can query and check the bill through the visualization page.

[0016] According to a second aspect of an embodiment of the present invention, a transaction settlement device for a service is provided, comprising:

[0017] A transaction voucher acquisition module, configured to send a generated transaction voucher for the service to a user in response to receiving transaction payment information for the service;

[0018] a settlement method determination module, configured to, in response to receiving a service performance request from a user, determine a settlement method for the service according to the transaction voucher in the service performance request;

[0019] A billing sheet generation module is used to monitor the service fulfillment process of the service according to the settlement method, and generate a billing sheet for the service when the fulfillment node meets the triggering conditions of the settlement method, so as to settle with the supplier of the service according to the billing sheet.

[0020] According to a third aspect of an embodiment of the present invention, there is provided an electronic device for providing a service, including:

[0021] one or more processors;

[0022] a storage device for storing one or more programs,

[0023] When the one or more programs are executed by the one or more processors, the one or more processors implement the method provided in the first aspect of the embodiment of the present invention.

[0024] According to a fourth aspect of an embodiment of the present invention, a computer-readable medium is provided, on which a computer program is stored, and when the program is executed by a processor, the method provided by the first aspect of the embodiment of the present invention is implemented.

[0025] An embodiment of the invention has the following advantages or beneficial effects: in response to receiving transaction payment information of the service, the generated transaction voucher of the service is sent to the user; in response to receiving a service fulfillment request from the user, the settlement method of the service is determined according to the transaction voucher in the service fulfillment request; according to the settlement method, the service fulfillment process of the service is monitored, and when the fulfillment node meets the triggering conditions of the settlement method, a billing slip for the service is generated, and a technical solution for settling with the supplier of the service according to the billing slip is implemented, a quick transaction settlement method suitable for service items is realized, and billing slips are automatically generated by monitoring the fulfillment nodes that meet the triggering conditions, which provides convenience for the transaction and settlement of service items. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0027] Figure 1 is a schematic diagram of the main process of the transaction settlement method for services according to an embodiment of the present invention;

[0028] Figure 2 is a schematic diagram of a service fulfillment process according to an embodiment of the present invention;

[0029] Figure 3 It is a schematic diagram of the process of generating a billing slip according to an embodiment of the present invention;

[0030] Figure 4 is a schematic diagram of the overall process of the service-oriented supply chain system according to an embodiment of the present invention;

[0031] Figure 5 is a schematic diagram of main modules of a transaction settlement device for services according to an embodiment of the present invention;

[0032] Figure 6 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0033] Figure 7 It is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0034] It should be noted that in the technical solution of the present invention, the collection / collection, update, analysis, use, transmission, storage and other aspects of user personal information involved are in compliance with the provisions of relevant laws and regulations, are used for legal and reasonable purposes, are not shared, leaked or sold outside of these legal uses, and are subject to supervision and management by national regulatory authorities. Necessary measures should be taken for user personal information to selectively block the use or access to personal information data to prevent illegal access to such personal information data, ensure that persons who have access to personal information data comply with the provisions of relevant laws and regulations, and ensure the security of user personal information. In addition, once these user personal information data are no longer needed, the risks should be minimized by limiting or even prohibiting data collection and / or deleting data.

[0035] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0036] The existing supply chain system for physical items cannot meet the demands of online transactions for various services. Especially in terms of supplier settlement, the current supply chain system for physical items can only settle once according to the simple settlement rules for physical items, while suppliers of various services usually use installment settlement, which makes it impossible to realize the settlement of various service items in the supply chain system for physical items, and cannot meet the actual needs well.

[0037] In order to solve the above problems existing in the prior art, the present invention proposes a transaction settlement method for services. When receiving a user's fulfillment request, the settlement method of the service is determined according to the transaction voucher generated by the transaction payment information, and then the user's service fulfillment process is monitored according to the triggering conditions of the settlement method. When the fulfillment node meets the triggering conditions, a billing slip is generated to settle with the supplier according to the billing slip. A quick transaction settlement method suitable for service items is realized, which automatically generates a billing slip by monitoring the fulfillment node that meets the triggering conditions, providing convenience for online transactions and online settlements of service items.

[0038] In the introduction to the embodiments of the present invention, the terms and their meanings are as follows:

[0039] O2O: The online-to-offline / online-to-offline business model refers to combining offline business opportunities with the Internet, making the Internet a platform for offline transactions;

[0040] SKU: It is the abbreviation of the unified number of sales items.

[0041] Figure 1 FIG. 1 is a schematic diagram of the main process of the transaction settlement method for services according to an embodiment of the present invention. Figure 1 As shown, the transaction settlement method for services according to the embodiment of the present invention includes the following steps S101 to S103.

[0042] Step S101: In response to receiving transaction payment information of a service, a generated transaction voucher for the service is sent to a user.

[0043] Specifically, online transactions of non-physical items such as services are similar to online transactions of physical items. The user sends an order request, the system generates an order, and sends a payment message to the user. After receiving the message that the user has successfully paid, the transaction order is completed. At the same time, it is different from online transactions of physical items. Compared with physical items, there is no outbound and logistics process. It is necessary to use a transaction voucher generation tool based on the transaction payment information to obtain the transaction voucher of the corresponding service. The voucher is usually in the form of an electronic voucher, so that users can use the transaction voucher to use services, such as online consultations, online training, etc., or in-store services, such as the performance of various physical examination items.

[0044] According to one embodiment of the present invention, before sending the generated transaction voucher for the service to the user, the method further includes: storing and associating the business data of the preset service according to data attributes, and constructing service master data to list the service as an item for transaction; the transaction voucher for the service is generated in the following manner: according to the transaction item code in the transaction payment information, querying the service identifier associated with the transaction item code from the service master data; and generating the transaction voucher for the service according to the service identifier and the user information.

[0045] Specifically, considering that non-physical items such as services do not have relatively standard specifications like physical items, such as weight, color, origin, etc., and non-physical items such as services do not have unified parameter data due to the different specific service contents, for example, online consultation services need to define information such as consultation duration and doctor, while physical examination services need to define various examination indicators and applicable stores in the physical examination package, therefore, it is not suitable to be created using the existing online creation method for physical items.

[0046] After the supplier enters the online trading platform, the embodiment of the present invention allocates a supplier short code and a transaction item code SKU for the service of its online transaction to the supplier. Then, the operation defines the transaction attributes of the service according to the preset business data in the system, builds the master data of the service based on these business data, and associates the corresponding transaction item code SKU to realize the online transaction of the service as an item. The specific business data mainly includes service type, service description, service content, service provider and store, service validity period, supplier's settlement method, settlement rules, etc., wherein the service content is determined according to the service type, and the service content information corresponding to different service types is also different. Generally speaking, the business data of a service consists of multiple attributes and attribute values. According to the function of each attribute, it can be divided into three types: basic attributes, settlement attributes, and special attributes corresponding to different service types. For specific examples of various data, please see Table 1 below:

[0047] Table 1

[0048]

[0049]

[0050] In order to improve the efficiency of building service master data, operations personnel can use the operation-side visual management tool to build, query and export service master data for each service on the visual page.

[0051] Furthermore, after the service master data is constructed, users can see the service items to be traded on the trading platform. When the system receives the transaction payment information, it queries the service master data associated with the SKU in the service master database based on the transaction item code SKU in the transaction payment information, obtains the service identifier (service ID), and then combines it with the user ID information in the transaction payment information to generate the user's service transaction voucher, which includes the voucher ID and verification code.

[0052] Step S102: In response to receiving a service fulfillment request from a user, determining a settlement method for the service according to the transaction voucher in the service fulfillment request.

[0053] Specifically, considering that the existing supplier system cannot mainly solve the supplier settlement problem of non-physical items such as services, the settlement method agreed upon in advance can be directly reflected in the transaction voucher when the transaction voucher is generated, which can be reflected through the transaction voucher ID or the characteristic image in the transaction voucher. After the transaction voucher is sent to the user, the user can use the service and perform the service contract with the transaction voucher. The system parses the transaction voucher in the received service performance request to obtain the supplier settlement method corresponding to the service.

[0054] According to one embodiment of the present invention, the settlement method of the service is determined according to the transaction voucher in the service fulfillment request, including: according to the transaction voucher, querying the corresponding settlement method from the service master data, the settlement method is the first settlement method or the second settlement method, and the triggering conditions of the first settlement method and the second settlement method are different fulfillment nodes in the service fulfillment process, respectively.

[0055] Specifically, considering that the service master data constructed above already includes the previously agreed settlement method, the implementation of the present invention can also obtain the service ID information therein according to the received transaction voucher, and then query the corresponding service master data to obtain the settlement method of the service defined therein. The embodiment of the present invention fully considers the needs of supplier settlement and sets two settlement methods, the first settlement method and the second settlement method. The first settlement method is at the service issuance node in the user's service fulfillment process, that is, after the transaction voucher is generated, it can be settled after amortization according to the settlement cycle and proportion in the agreed settlement rules. For example, for a service with a validity period of 90 days, according to a cycle of 30 days, 60%, 20%, 10%, and 10% of the settlement amount are settled with the supplier respectively when the order is completed, the first cycle, the second cycle, and the third cycle. The second settlement method is after the service is fulfilled, that is, after the user has used the service and the service is written off, the settlement is made to the service provider according to the single write-off amount. Of course, this method can be further divided into two scenarios. One is training lectures, which require a settlement price based on the number of people. After the training is completed, the settlement price of this training is calculated based on the actual number of participants. The other is other health services, where the single settlement price is directly defined with the supplier and is not affected by the number of users.

[0056] Step S103: monitor the service fulfillment process of the service according to the settlement method, and generate a billing slip for the service when the fulfillment node meets the triggering condition of the settlement method, so as to settle with the supplier of the service according to the billing slip.

[0057] Specifically, the service fulfillment process of the present invention supports two modes: online fulfillment and store / door-to-door fulfillment. Based on the acquired transaction voucher, if it is an online fulfillment, the user-side page can be directly provided on the service order details page, so as to facilitate the jump to online consultation and consulting services, and after the consultation and consulting are completed, the system directly verifies the verification code therein; if it is O2O, after the user arrives at the store or the merchant provides door-to-door service, the user presents the verification code for verification. The input parameters of the specific verification interface include user information, transaction voucher ID, and verification code; the output parameters include verification result, and the corresponding prompt code code when verification fails, Code=1: verification code does not exist, Code=2: verification code has been verified, Code=3: service has expired, Code=4: system abnormal timeout, please try again.

[0058] Figure 2 This is a schematic diagram of the service fulfillment process of an embodiment of the present invention. The supply chain system monitors the MQ message completed by the transaction order, obtains the order information through the MQ message, determines the corresponding service ID according to the transaction item code SKU and user information in the order information, generates a transaction voucher for the service and sends it to the user. The user obtains the verification code through the transaction voucher and fulfills the contract to use the service. After use, the service is completed by verifying the verification code.

[0059] Furthermore, when users use services, that is, in the process of service fulfillment, the system monitors the service fulfillment process according to the settlement method determined above. When the fulfillment node meets the triggering conditions of the settlement method, a service billing sheet that meets the settlement rules in the service master data is generated. Finally, the purchase order for the service generated by the procurement system, the service's warehousing and outbound information, and the service billing sheet are transferred to the settlement system to generate a settlement sheet for the service for settlement with the supplier.

[0060] According to one embodiment of the present invention, the settlement method is a first settlement method; according to the settlement method, the service fulfillment process of the service is monitored, and when the fulfillment node meets the triggering condition of the settlement method, a billing slip for the service is generated, including: determining whether the monitored service fulfillment node is a service issuance node; when the service fulfillment node is a service issuance node, according to the transaction voucher, querying the corresponding installment settlement rules and settlement amount from the service master data; according to the installment settlement rules, obtaining each settlement period and settlement ratio of the service, and then combining the settlement amount to obtain the billing slip corresponding to each settlement period of the service.

[0061] Specifically, when the settlement method determined above is the first settlement method, after the transaction order is completed and the transaction voucher of the service is generated and sent to the user, the service fulfillment process is entered. Under normal circumstances, the service has been issued to the user at this time, that is, the user has the right to use the service. Of course, it is also possible that the service ordered by the user is issued to the user at the agreed specified time. The system monitors the status of service issuance. When the service is successfully issued, the fulfillment node is determined to be the service issuance node. At this time, according to the transaction voucher, the defined installment settlement rules and settlement amount are queried from the service master data; according to the installment settlement rules, the various settlement periods and corresponding settlement ratios of the service are determined, and then combined with the settlement amount, the settlement amount corresponding to each settlement period is calculated to obtain the bill corresponding to each settlement period of the service.

[0062] For example, the settlement rules are: settlement in three times, the settlement period is calculated based on the current time and incremented by 30 days (this is only an example, in actual application, the settlement period is determined according to the specific business scenario), and the settlement amount is calculated according to the apportionment ratio of each settlement period (settlement price of each settlement period = total settlement price * settlement ratio of this settlement period), and the specific settlement ratio is 60%, 20%, and 20%. For a service with a total settlement price of 100 yuan, it needs to be settled in three times and three billing orders are generated. The sample form of the specific billing order is shown in Table 2 below:

[0063] Table 2

[0064]

[0065] It can be understood that if the current settlement period is during a promotion period, the promotion rules configured in the service master data are queried, and each settlement amount is calculated according to the promotion settlement price.

[0066] According to another embodiment of the present invention, the service has a service validity period. In the case that there is a settlement period that exceeds the service validity period among the settlement periods of the service, the bill of the service is determined in the following manner: the settlement periods of the service are divided into two parts using the service validity period, one part is a normal settlement period that does not exceed the service validity period, and the other part is an overtime settlement period that exceeds the service validity period; the service validity period is taken as the last settlement period, and the total amount of the settlement amounts corresponding to the overtime settlement periods is taken as the settlement amount corresponding to the last settlement period to obtain the bill of the last settlement period; based on the bill corresponding to the normal settlement period and the bill corresponding to the last settlement period, the bill corresponding to each settlement period of the service is obtained.

[0067] Specifically, considering that a supplier usually provides multiple services, for the sake of management, the supplier and the platform will agree on one or several settlement rules in advance. Each settlement rule usually corresponds to multiple service-type items on sale. The settlement period in the settlement rule is generally determined based on the service with the longest fulfillment time among all services. In this case, there may be a settlement period in the settlement period determined according to the settlement rule that exceeds the validity period of the service. This situation is unreasonable and requires the use of special settlement rules to optimize it.

[0068] Furthermore, in the case of the above situation, that is, the service has expired and is invalid during the settlement period, the specific service validity period can be directly defined in the service master data, or it can be a specified time calculated from the transaction time. The service validity period is used to divide the above-determined settlement periods into two parts, one part is the normal settlement period that does not expire, and the other part is the overdue settlement period that expires. For the overdue settlement period, the service validity period is taken as the last settlement period, and the total amount of the settlement amounts corresponding to the overdue settlement periods is added as the settlement amount of the last settlement period. Of course, if there is only one overdue settlement period, there is no need to add them, and the settlement amount itself is taken as the settlement amount of the last settlement period to obtain the billing slip for the last settlement period. Finally, the billing slips corresponding to the above-mentioned normal settlement periods and the billing slips corresponding to the last settlement period are summarized to obtain the billing slips for each settlement period.

[0069] For example, the service expires at 0:00 on April 1, 2023. Taking Table 2 above as an example, the settlement period of billing order numbers 2 and 3 exceeds the validity period of 0:00 on April 1, 2023, so the settlement amounts of billing order numbers 2 and 3 are added together, and the corresponding settlement period is updated to 2023-04-01 00:00:00, resulting in the following Table 3:

[0070] Table 3

[0071] Billing number Settlement period Settlement amount (unit: yuan) Settlement ratio 1 2023-03-10 12:12:12 60＝100*60％ 60％ 2 2023-04-01 00:00:00 40＝20+20 40％

[0072] Of course, the settlement amount of billing order number 2 in the table can also be calculated by the sum of the total settlement price minus the settlement amount corresponding to the normal settlement period, 40=100-60, both calculation methods are acceptable.

[0073] According to another embodiment of the present invention, the settlement method is the second settlement method; according to the settlement method, the service fulfillment process of the service is monitored, and when the fulfillment node meets the triggering condition of the settlement method, a billing slip for the service is generated, including: determining whether the monitored service fulfillment node is a service write-off node; when the service fulfillment node is a service write-off node, querying the corresponding settlement information from the service master data according to the transaction voucher; and generating a billing slip for the service according to the settlement information.

[0074] Specifically, when the settlement method determined above is the second settlement method, the monitoring service fulfillment node is executed to the service write-off node and the write-off is successful, that is, the user has finished using the service. Then it is only necessary to settle the settlement amount corresponding to the single write-off to the supplier. Specifically, the settlement amount can be queried from the service master data based on the received transaction voucher, and then combined with the transaction item code SKU and the supplier short code to generate a billing slip for the service.

[0075] Figure 3 It is a flowchart of billing sheet generation according to an embodiment of the present invention. After the order is completed and the transaction voucher is generated and sent to the user, the corresponding settlement method is queried from the service master data according to the transaction voucher to determine whether the settlement method is the first settlement method or the second settlement method. In the embodiment of the present invention, the issuance of the default transaction voucher indicates that the service has been issued to the user, that is, the service issuance node. When it is determined that it is the first settlement method, the billing sheet is generated at the current node. By calling the query interface, the installment settlement rules in the service master data are queried, and the billing sheets corresponding to each settlement period are generated in installments according to the installment settlement rules. When it is determined that it is the second settlement method, the current node is not a service write-off node. Continue to monitor the service fulfillment process and wait for the service write-off node. When it is monitored that the user has successfully written off the account, call the query interface to query the corresponding transaction voucher. For the sake of logical integrity or to review and confirm that it is the second settlement method at this time, you can review and confirm the settlement method based on the transaction voucher. If it is the first settlement method, the current node is not a service issuance node and will not be processed. However, under normal circumstances, the settlement method reviewed here should be the second settlement method. Start generating billing orders at the current node, obtain the corresponding settlement information by calling the query interface of the service master data, and generate billing orders for the second settlement method.

[0076] According to another embodiment of the present invention, after generating the billing slip for the service, the method further comprises: displaying the billing slip on a visualization page so that an operator can query and check the billing slip through the visualization page.

[0077] Specifically, after generating the billing bill for the service, the operator can view the corresponding billing bill through the billing bill management tool, and can also verify the billing bill through the corresponding buttons on the page, so as to manage the generated billing bill conveniently, quickly and efficiently.

[0078] Through the transaction settlement method of the services provided above, a series of operations are realized from service listing transactions, to the establishment of payment orders, to the user's service performance, and the supplier's billing and settlement. Compared with the existing physical item supply chain system, it is essentially a complete service-oriented supply chain system, which provides a dedicated systematic solution for the online transaction settlement of service items.

[0079] Figure 4This is a schematic diagram of the overall process of the service-oriented supply chain system of the embodiment of the present invention. The service supplier enters the online trading platform, and the operation end selects the service type, configures the service content, settlement rules and other attribute information on the visual management tool according to the business data of the service, and builds the service master data to list the service as an item for trading, and submits it for review. If the review fails, it is modified according to the review opinion. If the review passes, the service is successfully listed and can be traded on the online trading platform. The user places an order to purchase the service through the transaction platform, and creates a transaction voucher for the service based on the received transaction payment message; the settlement method of the service is determined based on the transaction voucher. If it is the first settlement method, the billing sheet is generated according to the settlement rules at the current node. Considering that the generation of the billing sheet and the user's service performance are executed in parallel, the figure also shows the specific service performance process synchronously, judging the type of service. If it is an online service, the service website link can be stored in the transaction voucher so that the user can use the transaction voucher for online consultation and other services, and after the consultation, the operation end directly performs service verification; if it is an O2O service, the transaction voucher including the verification code can be sent to the user in the form of a text message, so that the user can use the verification code when going to the store or door-to-door service, and the service verification is performed after use. At the same time, the billing sheet for each settlement period of the first settlement method is also completed. If it is the second settlement method, the service verification is executed at the performance node, and after the verification is successful, the corresponding billing sheet for the second settlement method is generated. According to the billing order, virtual procurement and virtual warehousing and out-of-warehouse are carried out to transfer the billing order, purchase order and warehousing and out-of-warehouse information to the supplier to generate the settlement order for the service. After the supplier confirms the corresponding settlement information, settlement is made with the supplier to complete the settlement business.

[0080] The embodiment of the present invention implements a quick transaction settlement method suitable for service items based on the service supplier system, and automatically generates a billing slip by monitoring the fulfillment nodes that meet the trigger conditions, thereby providing convenience for online transactions and online settlements of service items.

[0081] Figure 5 Schematic diagram of the main modules of the transaction settlement device of the service according to the embodiment of the present invention. Figure 5 As shown, the service transaction settlement device 500 mainly includes a transaction voucher acquisition module 501, a settlement method determination module 502 and a bill generation module 503.

[0082] The transaction voucher acquisition module 501 is used to send the generated transaction voucher of the service to the user in response to receiving the transaction payment information of the service;

[0083] A settlement method determination module 502, configured to determine, in response to receiving a service performance request from a user, a settlement method for the service according to the transaction voucher in the service performance request;

[0084] The billing form generation module 503 is used to monitor the service performance process of the service according to the settlement method, and generate a billing form for the service when the performance node meets the triggering condition of the settlement method, so as to settle with the supplier of the service according to the billing form.

[0085] According to one embodiment of the present invention, the transaction settlement device 500 for the service also includes a service master data construction module (not shown in the figure), which is used to: before sending the generated transaction voucher for the service to the user, store and associate the preset business data of the service according to data attributes, and construct service master data to put the service on the shelf as an item for transaction; the transaction voucher for the service is generated in the following manner: according to the transaction item code in the transaction payment information, query the service identifier associated with the transaction item code from the service master data; generate the transaction voucher for the service according to the service identifier and the user information.

[0086] According to another embodiment of the present invention, the settlement method determination module 502 is also used to: query the corresponding settlement method from the service master data according to the transaction voucher, the settlement method is the first settlement method or the second settlement method, and the triggering conditions of the first settlement method and the second settlement method are different fulfillment nodes in the service fulfillment process, respectively.

[0087] According to another embodiment of the present invention, the settlement method is the first settlement method; the billing sheet generation module 503 is also used to: determine whether the monitored service fulfillment node is a service issuance node; when the service fulfillment node is a service issuance node, query the corresponding installment settlement rules and settlement amount from the service master data according to the transaction voucher; according to the installment settlement rules, obtain the various settlement periods and settlement ratios of the service, and then combine the settlement amount to obtain the billing sheet corresponding to each settlement period of the service.

[0088] According to another embodiment of the present invention, the service has a service validity period. In the case that there is a settlement period that exceeds the service validity period among the settlement periods of the service, the bill of the service is determined in the following manner: the settlement periods of the service are divided into two parts using the service validity period, one part is a normal settlement period that does not exceed the service validity period, and the other part is an overtime settlement period that exceeds the service validity period; the service validity period is taken as the last settlement period, and the total amount of the settlement amounts corresponding to the overtime settlement periods is taken as the settlement amount corresponding to the last settlement period to obtain the bill of the last settlement period; based on the bill corresponding to the normal settlement period and the bill corresponding to the last settlement period, the bill corresponding to each settlement period of the service is obtained.

[0089] According to another embodiment of the present invention, the settlement method is the second settlement method; the billing bill generation module 503 is also used to: determine whether the monitored service fulfillment node is a service write-off node; when the service fulfillment node is a service write-off node, query the corresponding settlement information from the service master data according to the transaction voucher; and generate a billing bill for the service according to the settlement information.

[0090] According to another embodiment of the present invention, the transaction settlement device 500 for the service also includes a billing bill visualization module (not shown in the figure), which is used to: after generating the bill for the service, display the bill on a visualization page so that the operator can query and check the bill through the visualization page.

[0091] Figure 6 is an exemplary system architecture diagram to which embodiments of the present invention can be applied.

[0092] like Figure 6 As shown, system architecture 600 may include terminal devices 601, 602, 603, network 604 and server 605. Network 604 is used to provide a medium for communication links between terminal devices 601, 602, 603 and server 605. Network 604 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0093] Users can use terminal devices 601, 602, 603 to interact with server 605 through network 604 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 601, 602, 603, such as online service supply chain applications, etc. (only for example).

[0094] The terminal devices 601 , 602 , and 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers, etc.

[0095] Server 605 may be a server that provides various services, such as a background management server that provides support for services performed by users using terminal devices 601, 602, and 603 (for example only). In response to receiving transaction payment information of the service, the background management server may send the generated transaction voucher of the service to the user; in response to receiving a service performance request from the user, determine the settlement method of the service according to the transaction voucher in the service performance request; monitor the service performance process of the service according to the settlement method, and generate a billing slip for the service when the performance node meets the triggering condition of the settlement method, so as to perform settlement and other processing with the supplier of the service according to the billing slip, and feed back the processing result (such as settlement data, etc. - for example only) to the terminal device.

[0096] It should be noted that the transaction settlement method of the service provided in the embodiment of the present invention is generally executed by the server 605, and accordingly, the transaction settlement device of the service is generally set in the server 605.

[0097] It should be understood that Figure 6 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0098] Reference below Figure 7 , which shows a schematic diagram of the structure of a computer system 700 of a terminal device or a server suitable for implementing an embodiment of the present invention. Figure 7 The terminal device or server shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0099] like Figure 7 As shown, the computer system 700 includes a central processing unit (CPU) 701, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage part 708 into a random access memory (RAM) 703. In the RAM 703, various programs and data required for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0100] The following components are connected to the I / O interface 705: an input section 706 including a keyboard, a mouse, etc.; an output section 707 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, a modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. A removable medium 711, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 710 as needed, so that a computer program read therefrom is installed into the storage section 708 as needed.

[0101] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 709, and / or installed from the removable medium 711. When the computer program is executed by the central processing unit (CPU) 701, the above-mentioned functions defined in the system of the present invention are executed.

[0102] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination thereof.

[0103] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a sequence different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0104] The units involved in the embodiments of the present invention may be implemented by software or hardware. The units described may also be set in a processor, for example, it may be described as: a processor includes: a transaction voucher acquisition module, a settlement method determination module and a billing sheet generation module.

[0105] Among them, the names of these modules do not constitute a limitation of the modules themselves in some cases. For example, the transaction voucher acquisition module can also be described as "a module for sending the generated transaction voucher of the service to the user in response to receiving transaction payment information of the service."

[0106] On the other hand, the present invention also provides a computer-readable medium, which may be included in the device described in the embodiment; or it may exist independently without being assembled into the device. The computer-readable medium carries one or more programs, and when the one or more programs are executed by a device, the device includes: in response to receiving transaction payment information of the service, sending the generated transaction voucher of the service to the user; in response to receiving a service performance request from the user, determining the settlement method of the service according to the transaction voucher in the service performance request; according to the settlement method, monitoring the service performance process of the service, and generating a billing slip for the service when the performance node meets the triggering condition of the settlement method, so as to settle with the supplier of the service according to the billing slip.

[0107] The technical solution according to the embodiment of the present invention has the following advantages or beneficial effects: by responding to the transaction payment information received for the service, the generated transaction voucher of the service is sent to the user; in response to the service fulfillment request received from the user, the settlement method of the service is determined according to the transaction voucher in the service fulfillment request; according to the settlement method, the service fulfillment process of the service is monitored, and when the fulfillment node meets the triggering condition of the settlement method, a billing slip for the service is generated, and the technical solution for settling with the supplier of the service according to the billing slip realizes a quick transaction settlement method suitable for service items, which automatically generates a billing slip by monitoring the fulfillment node that meets the triggering condition, thereby providing convenience for online transactions and online settlements of service items.

[0108] The specific implementation methods described herein do not constitute limitations on the scope of protection of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention shall be included in the scope of protection of the present invention.

Claims

1. A transaction settlement method for a service, characterized in that: include: In response to receiving the transaction payment information of the service, sending the generated transaction voucher of the service to the user; In response to receiving a service performance request from a user, determining a settlement method for the service according to the transaction credential in the service performance request; According to the settlement method, the service fulfillment process of the service is monitored, and when the fulfillment node meets the triggering condition of the settlement method, a billing slip for the service is generated to settle with the supplier of the service according to the billing slip.

2. The method according to claim 1, characterized in that Before sending the generated transaction voucher of the service to the user, the method further includes: Store and associate the business data of preset services according to data attributes, build service master data, and list services as items for trading; The transaction voucher for the service is generated in the following way: According to the transaction item code in the transaction payment information, query the service identifier associated with the transaction item code from the service master data; A transaction voucher for the service is generated according to the service identifier and the user information.

3. The method according to claim 2, characterized in that Determining a settlement method for the service according to the transaction voucher in the service performance request includes: According to the transaction voucher, a corresponding settlement method is queried from the service master data, the settlement method is a first settlement method or a second settlement method, and triggering conditions of the first settlement method and the second settlement method are different fulfillment nodes in the service fulfillment process, respectively.

4. The method according to claim 1, characterized in that: The settlement method is the first settlement method; According to the settlement method, monitoring the service fulfillment process of the service, and generating a billing sheet for the service when the fulfillment node meets the triggering condition of the settlement method, including: Determine whether the monitored service fulfillment node is a service issuance node; In the case where the service fulfillment node is a service issuance node, querying the corresponding installment settlement rules and settlement amount from the service master data according to the transaction voucher; According to the installment settlement rules, the various settlement periods and settlement ratios of the service are obtained, and then combined with the settlement amount, the bills corresponding to the various settlement periods of the service are obtained.

5. The method according to claim 4, characterized in that The service has a service validity period. If there is a settlement period that exceeds the service validity period among the settlement periods of the service, the billing bill of the service is determined in the following manner: Using the service validity period, each settlement period of the service is divided into two parts, one part is a normal settlement period that does not exceed the service validity period, and the other part is an overtime settlement period that exceeds the service validity period; Taking the service validity period as the last settlement period, taking the total amount of the settlement amounts corresponding to the overdue settlement period as the settlement amount corresponding to the last settlement period, and obtaining the bill for the last settlement period; The billing bills corresponding to the respective settlement periods of the service are obtained according to the billing bill corresponding to the normal settlement period and the billing bill corresponding to the last settlement period.

6. The method according to claim 1, characterized in that The settlement method is the second settlement method; According to the settlement method, monitoring the service fulfillment process of the service, and generating a billing sheet for the service when the fulfillment node meets the triggering condition of the settlement method, including: Determine whether the monitored service fulfillment node is a service cancellation node; In the case where the service fulfillment node is a service write-off node, querying corresponding settlement information from the service master data according to the transaction voucher; Generate a bill for the service based on the settlement information.

7. The method according to claim 1, characterized in that After generating the bill for the service, the method further includes: The bill is displayed on a visual page so that the operator can query and check the bill through the visual page.

8. A transaction settlement device for a service, characterized in that: include: A transaction voucher acquisition module, configured to send a generated transaction voucher for the service to a user in response to receiving transaction payment information for the service; a settlement method determination module, configured to, in response to receiving a service performance request from a user, determine a settlement method for the service according to the transaction voucher in the service performance request; A billing sheet generation module is used to monitor the service fulfillment process of the service according to the settlement method, and generate a billing sheet for the service when the fulfillment node meets the triggering conditions of the settlement method, so as to settle with the supplier of the service according to the billing sheet.

9. A mobile electronic device terminal, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 7.

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

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