Transaction settlement method and related equipment

Abstract

The invention discloses a transaction settlement method and related equipment. The embodiment of the invention can be applied to the field of communication. Based on account checking operation of a user in the transaction platform, an operation account page is displayed, and the operation account page at least comprises an account fund management area and an operation tool control; obtaining a transaction record of using the operation account by the user based on a triggering operation of the user for the operation tool control; if the transaction record contains an internal circulation payment record in the transaction platform, determining a free quota balance according to the internal circulation payment record, and displaying a free quota use rule of an operation account and the free quota information; and if the transaction record does not contain the internal circulation payment record in the transaction platform, displaying a free quota use rule of an operation account. The method can improve the enthusiasm of the commercial tenant to use the operation account.

Description

Technical Field

[0001] The present application relates to the technical field of communications, and in particular to a transaction settlement method and related equipment. Background Art

[0002] In order to facilitate the development of online commercial payments and meet the transaction needs of merchants, some online trading platforms can connect to multiple business channels. That is, merchants that have settled in online trading platforms can open order payment services to support buyer users to make order payments.

[0003] At present, all transaction flows generated on online trading platforms are usually settled by the settlement server of the online trading platform. Specifically, the settlement server of the online trading platform can transfer the transaction funds generated on the merchant side to the business account that the merchant can control independently according to certain billing rules and payment rules based on the merchant's transaction contract on the online trading platform.

[0004] Merchants can use the money in their business accounts to conduct transactions on the online trading platform. For example, they can make internal circulation payments such as transfer payments, commercial payments, red envelope payments, and group collections on the online trading platform. They can also use the money in their business accounts to withdraw to bank cards, repay credit cards, and purchase wealth management products, among other external circulation payment scenarios.

[0005] Merchants need to pay a certain service fee to the online trading platform when using business accounts. Many merchants do not understand the rules for using business accounts. Therefore, merchants are not very enthusiastic about using business accounts, and the operating results of business accounts are not good. Summary of the invention

[0006] The embodiments of the present application provide a transaction settlement method and related equipment. The related equipment may include a transaction settlement device, an electronic device, a computer-readable storage medium and a computer program product, which can increase the enthusiasm of merchants to use business accounts.

[0007] The present application provides a transaction settlement method, including:

[0008] Based on the user's account viewing operation in the trading platform, displaying the operating account page, the operating account page at least includes an account fund management area and an operating tool control;

[0009] Based on the triggering operation of the user on the business tool control, obtaining the transaction record of the user using the business account;

[0010] If the transaction record includes an internal circulation payment record in the transaction platform, the free quota balance is determined according to the internal circulation payment record, and the free quota usage rules of the operating account and the free quota information are displayed. The internal circulation payment record is a record of transaction payments made by the user through the operating account with other users in the transaction platform or the official platform;

[0011] If the transaction record does not contain the internal circulation payment record in the transaction platform, the free quota usage rules of the business account are displayed. The free quota balance is determined according to the internal circulation payment record, and the free quota usage rules of the business account and the business account identification information of the free quota information user are displayed.

[0012] Accordingly, an embodiment of the present application provides a transaction settlement device, including:

[0013] A viewing unit, configured to display a business account page based on an account viewing operation of a user in the trading platform, wherein the business account page includes at least an account fund management area and a business tool control;

[0014] An acquisition unit, configured to acquire a transaction record of the user using the business account based on a trigger operation of the user on the business tool control;

[0015] A first display unit, for determining the free quota balance according to the internal circulation payment record if the transaction record includes the internal circulation payment record in the transaction platform, and displaying the free quota usage rules of the operating account and the free quota information;

[0016] The second display unit is used to display the free quota usage rules of the operating account if the transaction record does not include the internal circulation payment record in the transaction platform.

[0017] An electronic device provided in an embodiment of the present application includes a processor and a memory, wherein the memory stores a plurality of instructions, and the processor loads the instructions to execute the steps in the transaction settlement method provided in the embodiment of the present application.

[0018] An embodiment of the present application also provides a computer-readable storage medium on which a computer program is stored, wherein the computer program, when executed by a processor, implements the steps in the transaction settlement method provided in the embodiment of the present application.

[0019] In addition, an embodiment of the present application also provides a computer program product, including a computer program or instructions, which, when executed by a processor, implements the steps in the transaction settlement method provided in the embodiment of the present application.

[0020] The embodiment of the present application provides a transaction settlement method and related equipment, which can display a business account page based on the user's account viewing operation in the transaction platform, and the business account page at least includes an account fund management area and a business tool control; based on the user's trigger operation on the business tool control, obtain the transaction record of the user using the business account; if the transaction record contains an inner circulation payment record in the transaction platform, determine the free quota balance according to the inner circulation payment record, and display the free quota usage rules of the business account and the free quota information; if the transaction record does not contain the inner circulation payment record in the transaction platform, display the free quota usage rules of the business account. The present application guides users to discover the free quota usage rules of the business account through the business tool control, thereby increasing the user's enthusiasm for using the business account and improving the operational vitality of the online transaction platform. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For those skilled in the art, other drawings can be obtained based on these drawings without creative work.

[0022] Figure 1 It is a scenario diagram of the transaction settlement method provided in the embodiment of the present application;

[0023] Figure 2a is a first flow chart of the transaction settlement method provided in the embodiment of the present application;

[0024] Figure 2b This is a schematic diagram of the "more payment, more exemption" process provided in the embodiment of the present application;

[0025] Figure 3 is a second flow chart of the transaction settlement method provided in an embodiment of the present application;

[0026] Figure 4 It is a structural diagram of a transaction settlement device provided in an embodiment of the present application;

[0027] Figure 5 is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application;

[0028] Figure 6a This is a schematic diagram of a business account page provided in an embodiment of the present application;

[0029] Figure 6b This is a schematic diagram of the first free quota information page and free quota details page provided by this application;

[0030] Figure 6cThis is a switching diagram in the free quota details page provided by this application;

[0031] Figure 6d This is the second free quota information page provided by this application;

[0032] Figure 6e It is a schematic diagram of the free collection message provided by this application;

[0033] Figure 6f This is a schematic diagram of a free quota deduction notification message provided in an embodiment of the present application;

[0034] Figure 6g This is a schematic diagram of a free quota overspending notification message provided in an embodiment of the present application;

[0035] Figure 6h This is a schematic diagram of the free quota details page when the free quota provided by this application is overdrawn;

[0036] Figure 6i This is a schematic diagram of the free quota usage details page provided by this application;

[0037] Figure 7a This is a sequence diagram of issuing free payment quota by face-to-face payment in an embodiment provided by the present application;

[0038] Figure 7b This is a sequence diagram of issuing free payment quota by using transfer payment in an embodiment provided by the present application;

[0039] Figure 7c This is a business sequence diagram of a refund and free refund quota in an embodiment provided by this application;

[0040] Figure 7d This is the business sequence diagram of the free coupon system provided by this application for processing refunds;

[0041] Figure 8 This is a schematic diagram of module calls in the process of sending free quotas provided by this application. DETAILED DESCRIPTION

[0042] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative work are within the scope of protection of this application.

[0043] The embodiment of the present application provides a transaction settlement method and related equipment, and the related equipment may include a transaction settlement device, an electronic device, a computer-readable storage medium, and a computer program product. The transaction settlement device may be integrated in an electronic device, and the electronic device may be a terminal or a server.

[0044] It is understandable that the transaction settlement method of this embodiment can be executed on the terminal, can be executed on the server, or can be executed by the terminal and the server together. The above examples should not be understood as limiting the present application.

[0045] like Figure 1 As shown, a transaction settlement method is performed jointly by a terminal and a server as an example. The transaction settlement system provided in the embodiment of the present application includes a terminal 10 and a server 11, etc. The terminal 10 and the server 11 are connected via a network, such as a wired or wireless network connection, etc., wherein the transaction settlement device can be integrated in the server.

[0046] Among them, the terminal 10 can be used to: display the business account page based on the user's account viewing operation in the trading platform, and the business account page at least includes an account fund management area and a business tool control; based on the user's trigger operation on the business tool control, obtain the transaction record of the user using the business account; if the transaction record contains an inner circulation payment record in the trading platform, determine the free quota balance according to the inner circulation payment record, and display the free quota usage rules of the business account and the free quota information; if the transaction record does not contain the inner circulation payment record in the trading platform, display the free quota usage rules of the business account. Among them, the terminal 10 can include a mobile phone, an intelligent voice interaction device, a smart home appliance, a vehicle-mounted terminal, an aircraft, a tablet computer, a laptop, or a personal computer (PC, Personal Computer), etc. A client can also be set on the terminal 10, and the client can be an application client or a browser client, etc.

[0047] Among them, the server 11 can be used to: receive a payment request, the payment request includes the payment amount and the user's business account identification information; determine the user's current free quota balance based on the user's business account identification information; calculate the settlement amount according to the free quota information, the payment amount and the preset settlement rules, and remit the settlement amount to the user's business account. Among them, the server 11 can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. The transaction settlement method or device disclosed in this application, wherein multiple servers can be composed of a blockchain, and the server is a node on the blockchain.

[0048] It should be noted that the description order of the following embodiments is not intended to limit the preferred order of the embodiments.

[0049] This embodiment will be described from the perspective of a transaction settlement device, which can be integrated into an electronic device, such as a server or a terminal. This embodiment can be applied to various scenarios such as subscription account message sorting and content recommendation. Figure 2a and Figure 2b As shown, the specific process of the transaction settlement method can be as follows:

[0050] S201. Based on the user's account viewing operation in the trading platform, a business account page is displayed, wherein the business account page at least includes an account fund management area and a business tool control.

[0051] The trading platform refers to a third-party trading security platform, which is mainly used to ensure the safety and integrity of both parties in the transaction. Both parties can transfer offline transactions to online transactions through the trading platform.

[0052] The first user and the second user in the transaction platform are respectively the two parties of the transaction, wherein the first user is a merchant settled in the transaction platform, and the second user is a consumer who conducts transactions with the merchant.

[0053] The first user opens a business account in the trading platform, and can use the business account to collect payments from the second user, thereby collecting payments through the trading platform. This application can increase the first user's enthusiasm for using the business account. For the convenience of description, in the absence of specific instructions, "user" in this application refers to "first user".

[0054] refer to Figure 6aWhen a user opens the business account page in the trading platform, the account funds management area and business tool controls are displayed.

[0055] Among them, the business tool control refers to the instruction interface used to trigger the business tool instruction, which can be expressed in the form of a selection box, button, etc.

[0056] In order to attract users to click on the business tool control, prompts such as "Click to view free quota" and "The more you pay, the more you get free" can be displayed in the business tool control.

[0057] In some embodiments, in order to guide the user to trigger the business tool control, when the user does not trigger the business tool control, a prompt mark may be displayed in the business tool control. For example, a small red dot may be displayed in the business tool control to guide the user.

[0058] S202: Based on the triggering operation of the user on the business tool control, obtain the transaction record of the user using the business account.

[0059] Among them, transaction records include records of users using business accounts to make payments and records of users using business accounts to receive payments.

[0060] In some embodiments, obtaining the transaction record of the user using the business account based on the triggering operation of the user on the business tool control specifically includes the following steps:

[0061] When a trigger operation of the user on the business tool control is detected, an account details page is displayed, wherein the account details page includes a free quota viewing control;

[0062] When a trigger operation of the user on the free quota viewing control is detected, a transaction record of the user using the operating account is obtained.

[0063] S203. If the transaction record includes an internal circulation payment record in the transaction platform, the free quota information is determined according to the internal circulation payment record, and the free quota usage rules of the operating account and the free quota information are displayed.

[0064] Among them, internal circulation payment refers to the payment made within the trading platform, and the internal circulation payment record is the record of the transaction payment made by the user through the operating account with other users or platform officials in the trading platform. Internal circulation payment includes but is not limited to face-to-face payment / face-to-face machine payment, transfer payment, commercial payment, group collection payment, red envelope payment, appreciation payment, AA payment, group collection payment, entrusted purchase, intimate payment to investors, and donation payment. Internal circulation payment is opposite to "non-internal circulation payment". "Non-internal circulation payment" refers to the transaction payment made by users through operating accounts with other accounts outside the trading platform, including withdrawal, purchase of daily interest / weekly interest, transfer to bank card, zero-balance pass, wealth management pass, credit card repayment, etc.

[0065] refer to Figure 6b In some embodiments, if the transaction record includes an internal circulation payment record in the transaction platform, the free quota information is determined according to the internal circulation payment record, and the free quota usage rules of the operating account and the free quota information are displayed, and the following steps are also included:

[0066] If the transaction record includes an internal circulation payment record in the transaction platform, determining the free quota according to the internal circulation payment record;

[0067] A free quota information page is displayed according to the free quota, and the free quota information page includes a free quota information display area and a free usage rule display area.

[0068] refer to Figure 6b The free quota information display area is used to display the accumulated quota obtained through “more payment, more free”. The free usage rule display area is used to display the usage rules of the free quota. When the user uses the money in the business account for internal circulation payment, he can obtain the corresponding free quota, and can receive payment without service fee within the limit of the free quota. In order to facilitate users to understand the usage rules of the free quota, images, texts and even videos can be displayed in the free usage rule display area for explanation.

[0069] In some embodiments, in order to enable users to have a deeper understanding of the rules for obtaining and using the free quota, a rule details control may be set in the free usage rule display area. When the user clicks the rule details control, specific terms for obtaining and using the free quota are displayed.

[0070] refer to Figure 6c In some embodiments, the free quota information display area includes a detail display control, and after the free quota information page is displayed, the free quota information page includes a free quota information display area and a free usage rule display area, the following steps are also included:

[0071] When a trigger operation of a user on a detail display control is detected, obtaining free payment quota information corresponding to the inner-circulation payment record of the user;

[0072] Displaying the payment free quota information on a free quota details page, wherein the free quota details page further includes a plurality of switching controls;

[0073] When a switching operation of the user on the switching control is detected, the gift amount information, point amount information or payment amount information corresponding to the switching control is displayed.

[0074] Among them, the gift quota can come from the official gift of the trading platform. When the user opens a business account, the gift quota will be issued immediately, thereby improving the user's initial experience and helping to retain users.

[0075] Among them, the points quota can come from points obtained from user transaction behavior, activity, etc. Users can redeem a certain amount of free quota in the points mall. Points can be obtained in a variety of ways, thereby improving user activity and loyalty.

[0076] Among them, the payment amount comes from the user's internal circulation payment behavior within the trading platform. This application adopts the rule of "more payment, more exemption" to encourage users to use business accounts for transactions and maintain long-term positive self-circulation of the account.

[0077] In order to increase users' enthusiasm for participating in the "more pay, more free" program, the trading platform does not set a registration threshold and does not require any registration operation. Users can obtain free payment quotas by completing the internal cycle payment behavior. It is simple and convenient.

[0078] In one embodiment, before obtaining the free payment quota information corresponding to the inner-circulation payment record of the user, the following steps are included:

[0079] When it is detected that the user uses the operating account to make an internal circulation payment, the payment amount and payment time are determined, and the internal circulation payment record is generated;

[0080] Determine the free payment quota corresponding to the current internal circulation payment according to the payment amount, and update the free quota balance of the user according to the business account identification information of the user and the free payment quota;

[0081] Determine the expiration date information of the free payment quota according to the payment time and preset deadline information;

[0082] According to the free payment quota and the limited date information, the free payment quota information corresponding to the inner circulation payment record is generated.

[0083] In some specific embodiments, in order to facilitate users to understand the "more payment, more free" rule, the payment-free ratio can be set to 1:1, that is, for every 1 yuan paid, 1 yuan of free payment quota will be obtained, and no quota will be obtained for less than 1 yuan. In order to control cost investment, provide precise subsidies, and prevent risks, a monthly free quota cap can be set, for example, a monthly cap of 500,000 yuan can be set, and the portion exceeding 500,000 yuan will no longer be able to obtain free quota.

[0084] In some specific embodiments, the validity period of the free quota can be set to 30 days, and it will expire after 30 days, accurate to seconds. When the user views the free quota information, he can see the amount of the free quota and the remaining validity period.

[0085] When users make payments, they can use the free quota to deduct the server, and the deduction is made according to the order of validity periods, that is, the free quota that is about to expire is used first, and then the free quota with a longer validity period is used.

[0086] In some specific embodiments, a single order can be split to use multiple payment free quotas.

[0087] In some specific embodiments, each inner-circle payment generates a corresponding free payment quota information, and multiple free payment quota information are arranged in order in strips on the free quota details page.

[0088] refer to Figure 6e In one embodiment, generating the free payment quota information corresponding to the inner circulation payment record according to the free payment quota and the limited date information further includes the following steps:

[0089] A free quota claim message is generated according to the free quota information, and the free quota claim message is sent to the user in real time.

[0090] In some embodiments, after each payment step is completed, the corresponding credit limit is immediately issued, thereby reinforcing the user's perception of obtaining free credit limits and giving the user instant satisfaction.

[0091] Among them, "payment completed" means that the transaction is completed. For example, a transfer means that the recipient receives the transfer, and a red envelope means that the recipient receives the red envelope. If a refund occurs, the free quota will not be refunded.

[0092] In some specific embodiments, the free credit is not refunded in the event of a refund.

[0093] In other embodiments, after the user makes an internal circulation payment, if a refund occurs, the corresponding free quota needs to be returned. Specifically, after the free quota balance of the user is updated according to the operating account identification information of the user and the payment free quota, the following steps are also included:

[0094] When it is detected that the user triggers a refund operation for the inner-circulation payment record, obtaining free credit information corresponding to the inner-circulation payment record;

[0095] Determine a refund amount based on the free quota information;

[0096] The free quota balance of the user is updated according to the refund amount and the operating account identification information of the user.

[0097] refer to Figure 6f After the refund amount is deducted, a notification is issued to inform the user. Specifically, after the free quota balance of the user is updated according to the refund amount and the operating account identification information of the user, the following steps are also included:

[0098] A free-amount deduction message is generated according to the refund amount and the internal circulation payment record, and the free-amount deduction message is sent to the user in real time.

[0099] refer to Figure 6g After deducting the amount, if the amount is a negative value, a notification is sent to the user. Specifically, after updating the free amount balance of the user according to the refund amount and the operating account identification information of the user, the following steps are also included:

[0100] When the updated free quota information is a negative value, generating a free quota overspending message according to the free quota information;

[0101] The overspending exemption message is sent to the user.

[0102] If the free quota balance is negative (≤0), the free quota balance will be displayed as negative on the front-end user page, and the back-end server will count the free quota balance as negative. After merchants obtain quotas through official gifts, point benefits, and more payment and more exemption, they will first make up for the negative gap. Only after it is made up (>0) can it be used to deduct service fees.

[0103] refer to Figure 6h When a user exceeds the limit, a prompt message can be displayed on the free quota details page to remind the user of the overspending.

[0104] refer to Figure 6i In some embodiments, the free quota details page also includes a quota detail viewing control, and the user triggers the control to display the usage and acquisition details of the free quota.

[0105] S204. If the transaction record does not include the internal circulation payment record in the transaction platform, the free quota usage rules of the operating account are displayed.

[0106] refer to Figure 6dIf the transaction record does not contain an internal circulation payment record, the free quota usage rules will be displayed.

[0107] refer to Figure 7a and Figure 8 When a user uses the trading platform to make a face-to-face payment, the operating account user uses the trading platform payment to make a face-to-face payment; the trading platform payment process service publishes the payment event to the trading platform payment-business face-to-face two-way event center. The event center notifies the subscriber to process the payment event. The subscriber receives the notification from the event center and filters out the transactions of non-operating account users. The subscriber sends the event to the free coupon dedicated message queue (MQ). The free coupon message queue notifies the free coupon multi-payment and multi-free access domain service to issue free coupons. The free coupon multi-payment and multi-free access domain service filters out non-grayscale users. The free coupon multi-payment and multi-free access domain service filters out transactions with natural persons. The free coupon multi-payment and multi-free access domain service notifies the free coupon process service to issue coupons. After receiving the coupon issuance request, the free coupon process service locks the amount of coupons to be issued in the limit Kv. The free coupon process service notifies the free coupon domain service to add a free coupon. The free coupon process service adds a coupon issuance detail to the free coupon detail domain service. The free voucher process service adds the voucher quota to the free voucher statistics domain service. The free voucher process service deducts the voucher quota from the limit Kv. The free voucher process service returns the actual voucher quota issued to the free voucher overpayment and over-free access domain service. The free voucher overpayment and over-free access domain service reports the actual data issued.

[0108] refer to Figure 7b and Figure 8 When a user uses the trading platform to transfer money, the payee confirms the transfer and receipt, and the confirmation message is sent to the transfer system. The transfer system publishes the transfer receipt event to the transfer event center. The transfer event center notifies the subscriber to process the transfer receipt event. The subscriber receives the notification from the event center and filters out transactions of non-operating account users. The subscriber sends the event to the free coupon message queue (MQ). The free coupon message queue notifies the free coupon multi-payment and multi-free access domain service to issue free coupons. The free coupon multi-payment and multi-free access domain service filters out non-grayscale users. The free coupon multi-payment and multi-free access domain service filters out transactions with natural persons. The free coupon multi-payment and multi-free access domain service notifies the free coupon process service to issue coupons. After receiving the coupon issuance request, the free coupon process service locks the amount of coupons to be issued in the limit Kv. The free coupon process service notifies the free coupon domain service to add a free coupon. The free coupon process service adds a coupon issuance detail to the free coupon detail domain service.

[0109] The free voucher process service adds the voucher quota to the free voucher statistics domain service. The free voucher process service deducts the voucher quota from the limit Kv. The free voucher process service returns the actual voucher quota issued to the free voucher overpayment and over-free access domain service. The free voucher overpayment and over-free access domain service reports the actual data issued.

[0110] refer to Figure 7c When a user initiates a refund, the merchant employee applies for a refund from the merchant system. The merchant system requests the WeChat payment system to accept the single refund. The transaction platform payment system processes the refund asynchronously. The transaction platform system determines whether the paying user is a business account. If it is a business account, it requests the Merchant Tong system to refund the free payment quota.

[0111] refer to Figure 7d The free voucher system processes refunds in the following steps: the free voucher system receives a request to refund the free quota for collection; the free voucher system calculates the refund amount. If no free voucher has been issued before the refund, no refund will be made. If a free voucher has been issued, the free quota will be refunded in proportion to the issued free voucher amount and the transaction amount. For example, if the transaction amount is 100, the issued free quota is 50, and the user refunds 40, then the refund amount is 40*(50 / 100)=20; the free voucher system obtains a list of available free vouchers from the free voucher account; the free voucher system calculates the amount of available free vouchers for the available free vouchers. The list deducts the amount. According to the example in point 2, the amount to be deducted here is 20; the free coupon system requests the free coupon account to update the deducted free coupons; the free coupon requests the free coupon details to record the deducted details; the free coupon system requests the free coupon account to update the free coupon refund record (record 20 refunded on the coupon); the free coupon system requests the free coupon details to update the free coupon refund details (add a new detail that the coupon has been refunded 20); the free coupon system requests the free coupon total account to record the free coupon total account balance. If the amount successfully deducted is less than 20, the free coupon total account balance is negative.

[0112] As can be seen from the above, the embodiment of the present application provides a transaction settlement method and related equipment, which can display a business account page based on the user's account viewing operation in the transaction platform, and the business account page at least includes an account fund management area and a business tool control; based on the user's trigger operation on the business tool control, the transaction record of the user using the business account is obtained; if the transaction record is included in the inner circulation payment record in the transaction platform, the free quota balance is determined according to the inner circulation payment record, and the free quota usage rules of the business account and the free quota information are displayed; if the transaction record does not include the inner circulation payment record in the transaction platform, the free quota usage rules of the business account are displayed. The present application guides users to discover the free quota usage rules of the business account through the business tool control, thereby increasing the user's enthusiasm for using the business account and improving the operational vitality of the online transaction platform.

[0113] According to the method described in the previous embodiment, the following will be further described in detail by taking the example of the transaction settlement device being specifically integrated into an electronic device. The present application embodiment provides a transaction settlement method, such as Figure 3As shown, the specific process of the transaction settlement method can be as follows:

[0114] S301. Receive a payment request, where the payment request includes a payment amount and the user's business account identification information.

[0115] When a merchant receives payment through a business account, the merchant obtains the payment amount information and the merchant's account ID.

[0116] S302: Determine the current free quota balance of the user based on the operating account identification information of the user.

[0117] Determine the merchant's current free credit balance.

[0118] S303: Calculate the settlement amount according to the free quota information, the received amount and the preset settlement rules, and remit the settlement amount to the user's business account.

[0119] In some specific embodiments, when the single collection amount reaches 5 yuan or more, the free quota balance can be used to deduct the collection service fee.

[0120] In some embodiments, when the free quota balance is a positive value, the free quota balance can be used to deduct the service fee, and when the free quota balance is a negative value, the free quota balance cannot be used to deduct the service fee. The settlement amount is calculated according to the free quota information, the collection amount and the preset settlement rules, including:

[0121] Determining the amount of service fees charged by the trading platform according to the amount of payment received and the preset settlement rules;

[0122] When the free quota information is a positive value, determining a service fee amount deduction amount based on the service fee amount and the free quota information, and calculating the settlement amount according to the service fee amount deduction amount and the payment amount;

[0123] When the free quota information is a negative value, the service fee amount is deducted from the received amount as the settlement amount.

[0124] In some embodiments, after the deduction occurs, the free quota deduction information can be displayed on the user's free quota information page. Specifically, when the free quota information is a positive value, the service fee amount deduction amount is determined based on the service fee amount and the free quota information, and after the settlement amount is calculated according to the service fee amount deduction amount and the collection amount, the method further includes:

[0125] updating the free quota balance of the business account according to the service fee deduction amount and the identification information of the business account;

[0126] Generate free quota deduction information based on the service fee deduction amount and the corresponding payment record information;

[0127] When a trigger operation of the user on the detail display control is detected, the free quota deduction information is displayed on the free quota details page.

[0128] As can be seen from the above, this embodiment can display the business account page based on the user's account viewing operation in the trading platform, and the business account page at least includes an account fund management area and a business tool control; based on the user's trigger operation on the business tool control, the transaction record of the user using the business account is obtained; if the transaction record is included in the inner circulation payment record in the trading platform, the free quota balance is determined according to the inner circulation payment record, and the free quota usage rules of the business account and the free quota information are displayed; if the transaction record does not include the inner circulation payment record in the trading platform, the free quota usage rules of the business account are displayed. This application guides users to discover the free quota usage rules of the business account through the business tool control, thereby increasing the user's enthusiasm for using the business account and improving the operational vitality of the online trading platform.

[0129] In order to better implement the above method, the present application embodiment also provides a transaction settlement device, such as Figure 4 As shown, the transaction settlement device may include a viewing unit 401, an acquisition unit 402, a first display unit 403, and a second display unit 404, as follows:

[0130] A viewing unit 401, configured to display a business account page based on an account viewing operation of a user in the trading platform, wherein the business account page includes at least an account fund management area and a business tool control;

[0131] An acquisition unit 402 is used to acquire a transaction record of the user using the business account based on a trigger operation of the user on the business tool control;

[0132] A first display unit 403 is used to determine the free quota balance according to the internal circulation payment record if the transaction record includes the internal circulation payment record in the transaction platform, and to display the free quota usage rules of the operating account and the free quota information;

[0133] The second display unit 404 is used to display the free quota usage rules of the operating account if the transaction record does not include the internal circulation payment record in the transaction platform.

[0134] Optionally, in some embodiments of the present application, the acquisition unit 402 further includes a display bullet unit and an acquisition subunit, as follows:

[0135] A display subunit, configured to display an account details page when a trigger operation of the user on the business tool control is detected, wherein the account details page includes a free quota viewing control;

[0136] The acquisition subunit is used to acquire the transaction record of the user using the operating account when detecting the trigger operation of the user on the free quota viewing control.

[0137] Optionally, in some embodiments of the present application, the transaction settlement device may further include a prompting unit, as follows:

[0138] When the user does not trigger the business tool control, displaying a prompt mark in the business tool control;

[0139] When the user does not trigger the free quota viewing control, a prompt mark is displayed in the free quota viewing control.

[0140] Optionally, in some embodiments of the present application, the first display unit 403 includes a determination subunit and a first display subunit, as follows:

[0141] a determination subunit, configured to determine a free quota according to an inner-circulation payment record in the transaction platform if the transaction record includes the inner-circulation payment record;

[0142] The first display subunit is used to display a free quota information page according to the free quota, wherein the free quota information page includes a free quota information display area and a free use rule display area.

[0143] Optionally, in some embodiments of the present application, the first display unit 403 further includes a trigger subunit, an information display subunit and a switching subunit, as follows:

[0144] A trigger subunit, configured to obtain free payment quota information corresponding to the inner-circulation payment record of the user when a trigger operation of the user on the detail display control is detected;

[0145] An information display subunit, used to display the payment free quota information on a free quota details page, wherein the free quota details page further includes a plurality of switching controls;

[0146] The switching subunit is used to display the gift amount information, point amount information or payment amount information corresponding to the switching control when a user's switching operation on the switching control is detected.

[0147] Optionally, in some embodiments of the present application, the transaction settlement device of the present application further includes a receiving unit, a determining unit and a settlement unit, as follows:

[0148] A receiving unit, configured to receive a payment request, wherein the payment request includes a payment amount and the user's business account identification information;

[0149] A determination unit, configured to determine the current free quota balance of the user based on the operating account identification information of the user;

[0150] The settlement unit is used to calculate the settlement amount according to the free quota information, the collection amount and the preset settlement rules, and remit the settlement amount to the user's business account.

[0151] As can be seen from the above, this embodiment can display the business account page based on the user's account viewing operation in the trading platform through the viewing unit 401, and the business account page includes at least an account fund management area and a business tool control; through the acquisition unit 402, based on the user's trigger operation on the business tool control, the transaction record of the user using the business account is acquired; through the first display unit 403, if the transaction record is included in the inner circulation payment record in the trading platform, the free quota balance is determined according to the inner circulation payment record, and the free quota usage rules of the business account and the free quota information are displayed; through the second display unit 404, if the transaction record does not include the inner circulation payment record in the trading platform, the free quota usage rules of the business account are displayed. This application guides users to discover the free quota usage rules of the business account through the business tool control, thereby increasing the user's enthusiasm for using the business account and improving the operational vitality of the online trading platform.

[0152] The present application also provides an electronic device, such as Figure 5 As shown, it shows a schematic diagram of the structure of an electronic device involved in an embodiment of the present application, and the electronic device may be a terminal or a server, etc. Specifically:

[0153] The electronic device may include components such as a processor 501 with one or more processing cores, a memory 502 with one or more computer-readable storage media, a power supply 503, and an input unit 504. Those skilled in the art will appreciate that Figure 5 The electronic device structure shown in the figure does not constitute a limitation on the electronic device, and may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently.

[0154] The processor 501 is the control center of the electronic device, and uses various interfaces and lines to connect various parts of the entire electronic device. By running or executing software programs and / or modules stored in the memory 502, and calling data stored in the memory 502, the processor 501 performs various functions of the electronic device and processes data. Optionally, the processor 501 may include one or more processing cores; preferably, the processor 501 may integrate an application processor and a modem processor, wherein the application processor mainly processes the operating system, user interface, and application programs, and the modem processor mainly processes wireless communications. It is understandable that the above-mentioned modem processor may not be integrated into the processor 501.

[0155] The memory 502 can be used to store software programs and modules. The processor 501 executes various functional applications and data processing by running the software programs and modules stored in the memory 502. The memory 502 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function (such as a sound playback function, an image playback function, etc.), etc.; the data storage area may store data created according to the use of the electronic device, etc. In addition, the memory 502 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other volatile solid-state storage devices. Accordingly, the memory 502 may also include a memory controller to provide the processor 501 with access to the memory 502.

[0156] The electronic device also includes a power supply 503 for supplying power to each component. Preferably, the power supply 503 can be logically connected to the processor 501 through a power management system, so as to manage charging, discharging, power consumption and other functions through the power management system. The power supply 503 can also include one or more DC or AC power supplies, recharging systems, power failure detection circuits, power converters or inverters, power status indicators and other arbitrary components.

[0157] The electronic device may further include an input unit 504, which may be used to receive input digital or character information and generate keyboard, mouse, joystick, optical or trackball signal input related to user settings and function control.

[0158] Although not shown, the electronic device may further include a display unit, etc., which will not be described in detail herein. Specifically in this embodiment, the processor 501 in the electronic device will load the executable files corresponding to the processes of one or more application programs into the memory 502 according to the following instructions, and the processor 501 will run the application programs stored in the memory 502, thereby realizing various functions, as follows:

[0159] Based on the user's account viewing operation in the trading platform, displaying the operating account page, the operating account page at least includes an account fund management area and an operating tool control;

[0160] Based on the triggering operation of the user on the business tool control, obtaining the transaction record of the user using the business account;

[0161] If the transaction record includes an internal circulation payment record in the transaction platform, the free quota balance is determined according to the internal circulation payment record, and the free quota usage rules of the operating account and the free quota information are displayed;

[0162] If the transaction record does not include the internal circulation payment record in the transaction platform, the free quota usage rules of the operating account will be displayed.

[0163] The specific implementation of the above operations can be found in the previous embodiments, which will not be described in detail here.

[0164] From the above, it can be seen that the present application can display the business account page based on the user's account viewing operation in the trading platform, and the business account page at least includes an account fund management area and a business tool control; based on the user's trigger operation on the business tool control, obtain the transaction record of the user using the business account; if the transaction record is included in the inner circulation payment record in the trading platform, the free quota balance is determined according to the inner circulation payment record, and the free quota usage rules of the business account and the free quota information are displayed; if the transaction record does not include the inner circulation payment record in the trading platform, the free quota usage rules of the business account are displayed. The present application guides users to discover the free quota usage rules of the business account through the business tool control, thereby increasing the user's enthusiasm for using the business account and improving the operational vitality of the online trading platform.

[0165] A person of ordinary skill in the art will appreciate that all or part of the steps in the various methods of the above embodiments may be completed by instructions, or by controlling related hardware through instructions. The instructions may be stored in a computer-readable storage medium and loaded and executed by a processor.

[0166] To this end, an embodiment of the present application provides a computer-readable storage medium, in which a plurality of instructions are stored, and the instructions can be loaded by a processor to execute the steps in any transaction settlement method provided in the embodiment of the present application. For example, the instructions can execute the following steps:

[0167] The embodiments of the present application provide a transaction settlement method and related equipment, which can display a business account page based on the user's account viewing operation in the transaction platform, and the business account page at least includes an account fund management area and a business tool control; based on the user's trigger operation on the business tool control, obtain the transaction record of the user using the business account; if the transaction record contains an inner circulation payment record in the transaction platform, determine the free quota balance according to the inner circulation payment record, and display the free quota usage rules of the business account and the free quota information; if the transaction record does not contain the inner circulation payment record in the transaction platform, display the free quota usage rules of the business account.

[0168] The specific implementation of the above operations can be found in the previous embodiments, which will not be described in detail here.

[0169] The computer-readable storage medium may include: a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0170] Since the instructions stored in the computer-readable storage medium can execute the steps in any transaction settlement method provided in the embodiments of the present application, the beneficial effects that can be achieved by any transaction settlement method provided in the embodiments of the present application can be achieved. Please refer to the previous embodiments for details and will not be repeated here.

[0171] According to one aspect of the present application, a computer program product or a computer program is provided, the computer program product or the computer program comprising computer instructions, the computer instructions being stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the methods provided in various optional implementations of the above-mentioned transaction settlement.

[0172] The transaction settlement method and related equipment provided in the embodiments of the present application are introduced in detail above. The principles and implementation methods of the present application are explained in this article using specific examples. The description of the above embodiments is only used to help understand the method of the present application and its core idea. At the same time, for technical personnel in this field, according to the idea of ​​the present application, there will be changes in the specific implementation method and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

Claims

1. A transaction settlement method, characterized in that: include: Based on the user's account viewing operation in the trading platform, displaying the operating account page, the operating account page at least includes an account fund management area and an operating tool control; Based on the triggering operation of the user on the business tool control, obtaining the transaction record of the user using the business account; If the transaction record includes an internal circulation payment record in the transaction platform, the free quota balance is determined according to the internal circulation payment record, and the free quota usage rules of the operating account and the free quota information are displayed. The internal circulation payment record is a record of transaction payments made by the user through the operating account with other users in the transaction platform or the official platform; If the transaction record does not include the internal circulation payment record in the transaction platform, the free quota usage rules of the operating account will be displayed.

2. The transaction settlement method according to claim 1, characterized in that: The acquiring, based on the triggering operation of the user on the business tool control, a transaction record of the user using the business account, includes: When a trigger operation of the user on the business tool control is detected, an account details page is displayed, wherein the account details page includes a free quota viewing control; When a trigger operation of the user on the free quota viewing control is detected, a transaction record of the user using the operating account is obtained.

3. The transaction settlement method according to claim 2, characterized in that: Also includes: When the user does not trigger the business tool control, displaying a prompt mark in the business tool control; When the user does not trigger the free quota viewing control, a prompt mark is displayed in the free quota viewing control.

4. The transaction settlement method according to claim 1, characterized in that: If the transaction record includes an internal circulation payment record in the transaction platform, the free quota balance is determined according to the internal circulation payment record, and the free quota usage rules of the operating account and the free quota information are displayed, and the free quota information is also included: If the transaction record includes an internal circulation payment record in the transaction platform, determining the free quota balance according to the internal circulation payment record; A free quota information page is displayed according to the free quota information, wherein the free quota information page includes a free quota information display area and a free usage rule display area.

5. The transaction settlement method according to claim 4, characterized in that: The free quota information display area includes a detail display control, and on the free quota information display page, after the free quota information display area and the free usage rule display area are included in the free quota information display page, the free quota information page also includes: When a trigger operation of a user on a detail display control is detected, obtaining free payment quota information corresponding to the inner-circulation payment record of the user; Displaying the payment free quota information on a free quota details page, wherein the free quota details page further includes a plurality of switching controls; When a switching operation of the user on the switching control is detected, the gift amount information, the point amount information or the payment free amount information corresponding to the switching control is displayed.

6. The transaction settlement method according to claim 5, characterized in that: Before obtaining the free payment quota information corresponding to the inner-circulation payment record of the user, the method includes: When it is detected that the user uses the operating account to make an internal circulation payment, the payment amount and payment time are determined, and the internal circulation payment record is generated; Determine the free payment quota corresponding to the current internal circulation payment according to the payment amount, and update the free quota balance of the user according to the business account identification information of the user and the free payment quota; Determine the expiration date information of the free payment quota according to the payment time and preset deadline information; According to the free payment quota and the limited date information, the free payment quota information corresponding to the inner circulation payment record is generated.

7. The transaction settlement method according to claim 5, characterized in that: After generating the free payment quota information corresponding to the inner circulation payment record according to the free payment quota and the limited date information, the method further includes: A free quota claim message is generated according to the payment free quota information, and the free quota claim message is sent to the user in real time.

8. The transaction settlement method according to claim 5, characterized in that: After updating the free quota balance of the user according to the business account identification information of the user and the payment free quota, the method further includes: When it is detected that the user triggers a refund operation for the inner-circulation payment record, obtaining free credit information corresponding to the inner-circulation payment record; Determine a refund amount based on the free quota information; The free quota balance of the user is updated according to the refund amount and the operating account identification information of the user.

9. The transaction settlement method according to claim 8, characterized in that: After updating the free quota balance of the user according to the refund quota and the operating account identification information of the user, the method further includes: A free-amount deduction message is generated according to the refund amount and the internal circulation payment record, and the free-amount deduction message is sent to the user in real time.

10. The transaction settlement method according to claim 8, characterized in that: After updating the free quota balance of the user according to the refund quota and the operating account identification information of the user, the method further includes: When the updated free quota information is a negative value, generating a free quota overspending message according to the free quota information; The overspending exemption message is sent to the user.

11. The transaction settlement method according to claim 5, characterized in that: Also includes: Receiving a payment request, the payment request including a payment amount and the user's business account identification information; Determine the current free quota balance of the user based on the operating account identification information of the user; The settlement amount is calculated based on the free quota information, the collection amount and the preset settlement rules, and the settlement amount is remitted to the user's business account.

12. The transaction settlement method according to claim 11, characterized in that: Calculating the settlement amount according to the free quota information, the received amount and the preset settlement rules, including: Determining the amount of service fees charged by the trading platform according to the amount of payment received and the preset settlement rules; When the free quota information is a positive value, determining a service fee amount deduction amount based on the service fee amount and the free quota information, and calculating the settlement amount according to the service fee amount deduction amount and the payment amount; When the free quota information is a negative value, the service fee amount is deducted from the received amount as the settlement amount.

13. The transaction settlement method according to claim 12, characterized in that: When the free quota information is a positive value, determining a service fee amount deduction amount based on the service fee amount and the free quota information, and calculating the settlement amount according to the service fee amount deduction amount and the payment amount, further comprising: updating the free quota balance of the business account according to the service fee deduction amount and the identification information of the business account; Generate free quota deduction information based on the service fee deduction amount and the corresponding payment record information; When a trigger operation of the user on the detail display control is detected, the free quota deduction information is displayed on the free quota details page.

14. A transaction settlement device, characterized in that: include: A viewing unit, configured to display a business account page based on an account viewing operation of a user in the trading platform, wherein the business account page includes at least an account fund management area and a business tool control; An acquisition unit, configured to acquire a transaction record of the user using the business account based on a trigger operation of the user on the business tool control; A first display unit, for determining the free quota balance according to the internal circulation payment record if the transaction record includes the internal circulation payment record in the transaction platform, and displaying the free quota usage rules of the operating account and the free quota information; The second display unit is used to display the free quota usage rules of the operating account if the transaction record does not include the internal circulation payment record in the transaction platform.

15. An electronic device, characterized in that: It comprises a memory and a processor; the memory stores an application program, and the processor is used to run the application program in the memory to execute the operations in the transaction settlement method according to any one of claims 1 to 13.

16. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a plurality of instructions, and the instructions are suitable for being loaded by a processor to execute the steps in the transaction settlement method according to any one of claims 1 to 13.

17. A computer program product comprising a computer program or instructions, characterized in that When the computer program or instruction is executed by a processor, the steps in the transaction settlement method described in any one of claims 1 to 13 are implemented.

Images