Order settlement processing

Abstract

Provided in the embodiments of the present description are an order settlement processing method and apparatus. The order settlement processing method comprises: on the basis of institution member information carried in a settlement request for a transaction order, which settlement request is submitted by a merchant, determining a target institution to which an institution member belongs; on the basis of an amount to be settled of the transaction order and available balances of a plurality of fund channels of the target institution, performing settlement detection on the plurality of fund channels; on the basis of settlement detection results, determining a fund channel combination from the plurality of fund channels for performing combined settlement on said amount; and sending a corresponding calling request to each fund channel in the fund channel combination, so as to perform settlement processing on said amount by means of each fund channel.

Description

Order settlement processing Technical Field

[0001] This document relates to the field of data processing technology, and in particular to an order settlement processing method and device. Background Art

[0002] With the development of Internet technology, computers and the Internet have become an important part of users' lives and have gradually penetrated into every corner of life. Therefore, more and more online services have emerged. For example, online platforms have launched enterprise service projects. Employees of enterprises can enjoy online services based on enterprise codes. However, when repaying merchants after consumption based on enterprise codes, there will be certain differences in the credibility and financial repayment capabilities of different enterprises. Therefore, how to provide enterprises with better service strategies when repaying funds to merchants has become a focus of increasing attention for online platforms.

[0003] Summary of the Invention

[0004] One or more embodiments of this specification provide an order settlement processing method, the method comprising: determining the target institution to which the institutional member belongs based on the institutional member information carried in the settlement request of the transaction order submitted by the merchant; the transaction order is generated after payment is made by scanning the institutional identification displayed on the user terminal of the institutional member. Based on the amount to be settled of the transaction order and the available balances of the multiple funding channels of the target institution, a settlement test is performed on the multiple funding channels. Based on the settlement test results, a funding channel combination for combined settlement of the amount to be settled is determined from the multiple funding channels. A corresponding call request is sent to each funding channel in the funding channel combination to perform settlement processing of the amount to be settled through each funding channel.

[0005] One or more embodiments of this specification provide an order settlement processing device, the device comprising: an institution determination module, configured to determine the target institution to which the institution member belongs based on the institution member information carried in the settlement request of the transaction order submitted by the merchant; the transaction order is generated after payment is made by scanning the institution identification displayed on the user terminal of the institution member. A settlement detection module, configured to perform settlement detection on the multiple funding channels based on the amount to be settled of the transaction order and the available balances of the multiple funding channels of the target institution. The funding channel determination module, configured to determine, from the multiple funding channels, a funding channel combination for combined settlement of the amount to be settled based on the settlement detection results. The settlement processing module, configured to send a corresponding call request to each funding channel in the funding channel combination, so as to perform settlement processing of the amount to be settled through each funding channel.

[0006] One or more embodiments of this specification provide an order settlement processing device, comprising: a processor; and a memory configured to store computer-executable instructions, wherein when the computer-executable instructions are executed, the processor is caused to: determine the target institution to which the institutional member belongs based on the institutional member information carried in the settlement request of the transaction order submitted by the merchant; the transaction order is generated after payment is made by scanning the institutional identification displayed on the user terminal of the institutional member. Based on the amount to be settled of the transaction order and the available balances of the multiple funding channels of the target institution, a settlement check is performed on the multiple funding channels. Based on the settlement test results, a funding channel combination for combined settlement of the amount to be settled is determined from the multiple funding channels. A corresponding call request is sent to each funding channel in the funding channel combination to perform settlement processing of the amount to be settled through each funding channel.

[0007] One or more embodiments of this specification provide a storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: determining the target institution to which the institutional member belongs based on the institutional member information carried in the settlement request of the transaction order submitted by the merchant; the transaction order is generated after payment is made by scanning the institutional identification displayed on the user terminal of the institutional member. Based on the amount to be settled of the transaction order and the available balances of the multiple funding channels of the target institution, a settlement test is performed on the multiple funding channels. Based on the settlement test results, a funding channel combination for combined settlement of the amount to be settled is determined from the multiple funding channels. A corresponding call request is sent to each funding channel in the funding channel combination to perform settlement processing of the amount to be settled through each funding channel. BRIEF DESCRIPTION OF THE DRAWINGS

[0008] In order to more clearly illustrate one or more embodiments of this specification or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0009] FIG1 is a schematic diagram of an implementation environment of an order settlement processing method provided by one or more embodiments of this specification.

[0010] FIG2 is a flowchart of an order settlement processing method provided by one or more embodiments of this specification.

[0011] FIG3 is a timing diagram of an order settlement processing method applied to a first combined settlement scenario provided by one or more embodiments of this specification.

[0012] FIG4 is a timing diagram of an order settlement processing method applied to a second combined settlement scenario provided by one or more embodiments of this specification.

[0013] FIG5 is a schematic diagram of an embodiment of an order settlement processing device provided by one or more embodiments of this specification.

[0014] FIG6 is a schematic diagram of the structure of an order settlement processing device provided by one or more embodiments of this specification. DETAILED DESCRIPTION

[0015] To help those skilled in the art better understand the technical solutions in one or more embodiments of this specification, the following clearly and completely describes the technical solutions in one or more embodiments of this specification, in conjunction with the accompanying drawings. Obviously, the described embodiments are only some of the embodiments of this specification, not all of them. All other embodiments derived by those skilled in the art based on one or more embodiments of this specification without inventive effort shall fall within the scope of protection of this document.

[0016] The order settlement processing method provided in one or more embodiments of this specification can be applied to the implementation environment of the official consumption platform. Referring to Figure 1, the implementation environment at least includes: an activation service 101 for opening a funding channel, a settlement detection service 102 for performing a settlement detection on the funding channel, and a settlement service 103 for settling transaction orders; in addition, the implementation environment can also include a merchant server 104, a user terminal 105 of an institutional user, and an institutional server 106.

[0017] The activation service 101, settlement detection service 102, settlement service 103, merchant server 104, and institution server 106 may run on one or more servers, or on a server cluster consisting of one or more servers, or on a cloud server of a cloud computing platform.

[0018] The user terminal 105 can be a smart phone, a tablet computer, an e-book reader, a wearable device, a device that performs information interaction based on AR (Augmented Reality) / VR (Virtual Reality), etc.

[0019] In this implementation environment, on the basis that the target institution has previously opened an account funding channel and a bookkeeping funding channel through the activation service 101, after the merchant submits a settlement request for the transaction order through the merchant server 104, the target institution to which the institutional member belongs is determined based on the institutional member information carried in the settlement request. The settlement detection service 102 performs settlement detection on multiple funding channels based on the amount to be settled of the transaction order and the available balances of multiple funding channels of the target institution. According to the settlement detection results, at least one target funding channel for combined settlement of the amount to be settled is determined from the multiple funding channels. The settlement service 103 sends a corresponding call request to the at least one target funding channel to perform settlement processing on the amount to be settled for each target funding channel.

[0020] One or more embodiments of an order settlement processing method provided in this specification are as follows.

[0021] 2 , the order settlement processing method provided in this embodiment specifically includes steps S202 to S208 .

[0022] Step S202: determining the target organization to which the organization member belongs based on the organization member information carried in the settlement request of the transaction order submitted by the merchant.

[0023] In this embodiment, the target organization includes various types of organizations, such as enterprises, institutions, social groups, and enterprises. Furthermore, the target organization includes not only the organization at the same level, but also internal organizations of the organization, such as enterprise departments or branches. The organization members include the organization staff and related personnel. The organization member information refers to information that can uniquely identify the organization members. Optionally, the organization member information is obtained by decoding the organization identifier.

[0024] The institutional identifier is an identifier set by an institution for its members to make payments. This identifier uniquely identifies the institution and can also be used to identify its members within the institution, such as using it as a digital ID for corporate employees. The identifier can be in the form of a QR code, barcode, audio code, or other identification code. This identifier enables payment processing for business-related consumption scenarios. For example, an institution member can display the identifier on a user terminal during business-related consumption, and the merchant can scan the identifier and submit a settlement request for the transaction order to the business-related consumption platform.

[0025] In actual applications, when an institution member displays the institution's identification to a merchant through a user terminal and pays for goods or services, the payment is complete for the institution member and the institution member can obtain the corresponding goods or services. However, for the merchant, although the transaction order has been generated, the transaction order may not have been settled. In some cases, the transaction order may be settled some time after it was generated. To address this, the transaction order must be settled based on the institution's established funding channels. Optionally, the transaction order is generated after payment is made by scanning the institution's identification displayed on the user terminal of the institution member.

[0026] Specifically, in the scenario of settling transaction orders submitted by merchants, the target institution may pre-open one or more funding channels to determine the target institution to which the institutional members belong based on the institutional member information carried in the settlement request of the transaction order submitted by the merchant, and then settle the transaction order based on one or more funding channels opened by the target institution.

[0027] The term "funding channel" refers to the settlement channel used to settle transaction orders, i.e., the settlement channel that supports the settlement of transaction orders. Specifically, the funding channel mentioned in one or more embodiments of this specification can be understood as a settlement tool that can complete the settlement behavior. For example, the funding channel can be a user-bound bank card, credit card, user account balance, or other settlement tool. In addition, bookkeeping can also be used as a funding channel. Of course, this is only an example of a few possible payment channels and does not constitute a limitation on the above payment channels.

[0028] Optionally, the funding channel includes at least one of the following: an account funding channel, a bookkeeping funding channel, and a credit funding channel. The available balance in the account funding channel can be obtained by the target institution recharging its institutional account. After the recharging is completed, the transaction order can be settled based on the available balance in the account funding channel. Optionally, the available balance in the account funding channel includes the recharge amount. The available amount in the credit funding channel can be obtained by the target institution granting credit to the institutional account. After the credit granting is completed, the transaction order can be settled based on the available amount in the credit funding channel. Optionally, the available amount in the credit funding channel includes the credit limit. The bookkeeping funding channel refers to a channel for bookkeeping the remaining settlement amount when the available balance in the target institution's other funding channels is insufficient to pay for the transaction order. In practice, the access rights to the bookkeeping funding channel depend on the merchant's configuration.

[0029] It should be noted that in this embodiment, each funding channel corresponds to an institutional account. That is, the available balance and / or available amount of each funding channel of the target institution is centrally managed through the institutional account. For example, if the funding channels of the target institution include account funding channels, the available balance of the target institution's account funding channels can be transferred out through the institutional account.

[0030] The following details the process of opening account funding channels and credit funding channels.

[0031] (1) The process of opening an account funding channel

[0032] In an optional implementation provided by this embodiment, before executing the step of determining the target institution to which the institutional members belong based on the institutional member information carried in the settlement request of the transaction order submitted by the merchant, it also includes: obtaining the account funding channel opening request sent by the target institution, and forwarding the account funding channel opening request to the financial institution, so that the financial institution transfers funds from the target institution's funds account according to the recharge amount carried in the account funding channel opening request, and uses the transferred funds as the available balance of the account funding channel.

[0033] Specifically, in the process of opening an account funding channel, the obtained opening request for the account funding channel of the target institution can be forwarded to a financial institution, so that the financial institution can transfer funds from the target institution's funds account according to the recharge amount carried in the opening request for the account funding channel, and use the transferred funds as the available balance of the account funding channel.

[0034] (2) The process of opening a credit funding channel

[0035] In an optional implementation provided by this embodiment, before executing the step of determining the target institution to which the institutional members belong based on the institutional member information carried in the settlement request of the transaction order submitted by the merchant, it also includes: obtaining a credit funding channel opening request sent by the target institution, and forwarding the credit funding channel opening request to a financial institution, so that the financial institution determines the credit rating of the target institution based on the target institution information carried in the credit funding channel opening request, and uses the credit limit corresponding to the credit rating as the available amount of the credit funding channel.

[0036] Specifically, in the process of opening a credit funding channel, the credit funding channel opening request sent by the target institution can be forwarded to the financial institution, so that the financial institution can determine the credit rating of the target institution based on the target institution information carried in the credit funding channel opening request, and use the credit limit corresponding to the credit rating as the available amount of the credit funding channel.

[0037] During the specific execution process, after one or more funding channels are opened in the institutional account, if a settlement request for a transaction order submitted by a merchant is obtained, the target institution to which the institutional member belongs can be determined based on the institutional member information carried in the settlement request. Specifically, in the process of determining the target institution to which the institutional member belongs, an optional implementation method provided by this embodiment adopts the following method to determine the target institution to which the institutional member belongs based on the institutional member information carried in the settlement request for the transaction order submitted by the merchant: based on the institutional member information carried in the settlement request, query the member-institution mapping table for the institution mapped to the institutional member information, and use the institution as the target institution to which the institutional member belongs.

[0038] Step S204: performing settlement detection on the multiple funding channels based on the to-be-settled amount of the transaction order and the available balances of the multiple funding channels of the target institution.

[0039] After determining the target institution to which the institutional members belong based on the institutional member information carried in the settlement request of the transaction order submitted by the merchant, in this step, settlement checks are performed on multiple funding channels based on the amount to be settled of the transaction order and the available balances of multiple funding channels of the target institution.

[0040] The settlement test can be a process of comparing the amount to be settled with the available amount in the account's funding channel to determine the funding channel for settling the transaction order. In addition, it can also be a process of detecting whether there is a funding channel that meets preset conditions among multiple funding channels. The purpose of the settlement test is to determine which funding channels are capable of settling the transaction order.

[0041] The number of funding channels matched to a transaction order determined in this embodiment may be one or more. The specific data of the matched funding channels is related to the actual application scenario, and one or more embodiments of this specification do not limit the specific number of funding channels matched to a transaction order. For example, if only one funding channel exists among the funding channels opened by the user and can be used to settle the transaction order, then the number of funding channels matched to the transaction order is one. For another example, if three funding channels exist among the funding channels opened by the user and can be used to settle the transaction order, then the number of funding channels matched to the transaction order is three.

[0042] During specific implementation, during the settlement processing of the transaction order submitted by the merchant, the amount to be settled of the transaction order may be the amount to be settled of all transaction orders within the funds settlement period, or the order amount of a single transaction order. In an optional implementation manner provided by this embodiment, when a settlement instruction of a funds settlement period identified by any institution is detected, the amount to be settled is calculated based on the amount to be settled of the transaction orders within the funds settlement period, or, after detecting the generation of the transaction order, the order amount of the transaction order is used as the amount to be settled.

[0043] For example, the total amount to be settled of transaction orders generated within one month after the merchant pays by scanning the institution identification displayed on the user terminal of the institution member, or the order amount of a transaction order generated immediately after the merchant pays by scanning the institution identification displayed on the user terminal of the institution member.

[0044] During the specific implementation process, when the target institution opens an account funding channel and a credit funding channel, and the merchant is configured with an accounting funding channel, in order to determine which funding channels among the account funding channel, credit funding channel, and accounting funding channel are used to settle the transaction order, an optional implementation method provided in this embodiment adopts the following method to perform settlement detection on the multiple funding channels based on the pending settlement amount of the transaction order and the available balance of the multiple funding channels of the target institution: compare the pending settlement amount with the available balance of the account funding channel corresponding to the institutional account configured for the institutional identifier; if the pending settlement amount is greater than the available balance of the account funding channel, compare the pending settlement amount with the total available amount of the account funding channel and the credit funding channel; if the pending settlement amount is less than the available balance of the account funding channel, transfer funds from the institutional account according to the pending settlement amount of the transaction order, and transfer the transferred funds to the merchant account of the merchant.

[0045] Specifically, during the process of settlement detection of multiple funding channels, the amount to be settled is first compared with the available balance of the account funding channel corresponding to the institutional account configured for the institutional identifier. If the amount to be settled is greater than the available balance of the account funding channel, it indicates that the account funding channel is insufficient to settle the transaction order. The amount to be settled is then compared with the total available amount of the account funding channel and the credit funding channel to determine the funding channel combination for combined settlement of the amount to be settled. If the amount to be settled is less than the available balance of the account funding channel, funds are transferred out from the institutional account according to the available balance of the account funding channel, and the transferred funds are transferred to the merchant account of the merchant.

[0046] In addition, in the process of performing settlement detection on multiple funding channels based on the pending settlement amount of the transaction order and the available balances of multiple funding channels of the target institution, if the funding channels opened by the target institution are uncertain, it is also possible to detect whether the candidate channel combination in the multiple funding channels meets the combination settlement conditions in a combination detection method. Specifically, in another optional implementation manner provided by this embodiment, the following method is adopted to perform settlement detection on the multiple funding channels based on the pending settlement amount of the transaction order and the available balances of multiple funding channels of the target institution: detect whether there is a funding channel that meets the channel settlement conditions in the multiple funding channels in accordance with the channel detection method; if not, detect whether the candidate channel combination in the multiple funding channels meets the combination settlement conditions in accordance with the combination detection method; if a candidate channel combination that meets the combination settlement conditions is detected, mark the detected candidate channel combination; if no candidate channel combination that meets the combination settlement conditions is detected, do not process it; if exists, mark the detected funding channel that meets the channel settlement conditions.

[0047] Optionally, the channel detection method includes first detecting funding channels with higher settlement priority; the combination detection method includes first detecting candidate channel combinations containing fewer funding channels, and / or, for candidate channel combinations containing an equal number of channels, first detecting candidate channel combinations containing funding channels with higher settlement priority.

[0048] Channel settlement conditions refer to the conditions for settlement through funding channels. For example, this involves checking whether the available balance of a funding channel is greater than the pending settlement amount of a transaction order. If so, the funding channel is determined to meet the channel settlement conditions. Combined settlement conditions refer to the conditions for settlement through a combination of funding channels. For example, this involves checking whether the sum of the available balances of a combination of candidate channels is greater than the pending settlement amount of a transaction order. If so, the combination is determined to meet the combined settlement conditions.

[0049] For example, the target institution's multiple funding channels include a first funding channel and a second funding channel, and their settlement priority is first funding channel -> second funding channel, where the available balance of the first funding channel is a, and the available balance of the second funding channel is b. In the process of detecting whether there is a funding channel that meets the channel settlement conditions among the multiple funding channels according to the channel detection method, priority is given to detecting whether the available balance a of the first funding channel is greater than the amount to be settled x. If not, continue to detect whether the available balance b of the second funding channel is greater than the amount to be settled x. If not, combine the available balances of the first funding channel and the second funding channel to detect whether a+b is greater than the amount to be settled x. If so, mark the first funding channel and the second funding channel.

[0050] It should be noted that, when the funding channels pre-opened by the above-mentioned target institution only include credit funding channels, and the merchant is configured with accounting funding channels, in the process of settlement detection of multiple funding channels based on the amount to be settled of the transaction order and the available balances of multiple funding channels of the target institution, the amount to be settled can also be compared with the available amount of the credit funding channel corresponding to the institutional account configured for the institutional identifier. If the amount to be settled is greater than the available amount of the credit funding channel, funds are transferred to the merchant account based on the available amount of the credit funding channel, and the remaining settlement amount is calculated based on the amount to be settled and the available amount of the credit funding channel, and accounting processing is performed on the accounting funding channel according to the calculated remaining settlement amount; if the amount to be settled is less than the available amount of the credit funding channel, funds are transferred to the merchant account based on the available amount of the credit funding channel.

[0051] In addition, if the funding channels pre-opened by the above-mentioned target institution only include account funding channels, and the merchant is configured with an accounting funding channel, the amount to be settled is compared with the available balance of the account funding channel corresponding to the institutional account configured for the institutional identifier. If the amount to be settled is greater than the available balance of the account funding channel, funds are transferred out from the institutional account according to the available balance of the account funding channel, and the transferred funds are transferred to the merchant account of the merchant. The remaining settlement amount is calculated based on the amount to be settled and the available balance of the account funding channel, and accounting processing is performed on the accounting funding channel according to the calculated remaining settlement amount; if the amount to be settled is less than the available balance of the account funding channel, funds are transferred to the merchant account based on the available balance of the account funding channel.

[0052] In actual applications, there are also situations where the target institution has not opened an account funding channel and a credit funding channel, and the merchant has configured an accounting funding channel. In this case, accounting processing is performed in the accounting funding channel according to the amount to be settled.

[0053] In addition, in the case where the merchant has not configured an accounting funding channel, the settlement process of the pending settlement amount of the transaction order refers to the above-mentioned process of settling the pending settlement amount based on one or more funding channels, and this embodiment will not be repeated here.

[0054] Step S206: determining a funding channel combination for combined settlement of the amount to be settled from the multiple funding channels according to the settlement detection result.

[0055] In the above-mentioned case where settlement detection is performed on the multiple funding channels based on the amount to be settled of the transaction order and the available balances of the multiple funding channels of the target institution, in this step, a funding channel combination for combined settlement of the amount to be settled is determined among the multiple funding channels based on the settlement detection results.

[0056] During the specific implementation process, after the above-mentioned comparison of the amount to be settled with the total available amount of the account funding channel and the credit funding channel, in an optional implementation manner provided by this embodiment, a funding channel combination for combined settlement of the amount to be settled is determined among the multiple funding channels based on the settlement detection results in the following manner: if the amount to be settled is greater than or equal to the total available amount, the funding channel combination is constructed based on the account funding channel, the credit funding channel and the accounting funding channel; if the amount to be settled is less than the total available amount and greater than the available balance of the account funding channel, the funding channel combination is constructed based on the account funding channel and the credit funding channel.

[0057] Specifically, after comparing the amount to be settled with the total available amount of the account funding channel and the credit funding channel, if the amount to be settled is greater than or equal to the total available amount, a funding channel combination is constructed based on the account funding channel, the credit funding channel and the bookkeeping funding channel; if the amount to be settled is less than the total available amount and greater than the available balance of the account funding channel, a funding channel combination is constructed based on the account funding channel and the credit funding channel.

[0058] In addition, after the candidate channel combination that meets the combination settlement conditions is detected and the detected candidate channel combination is marked, an optional implementation provided by this embodiment is to determine the funding channel combination for combined settlement of the amount to be settled among the multiple funding channels based on the settlement detection result, including: based on the mark of the candidate channel combination carried in the settlement detection result, determining the candidate channel combination corresponding to the mark as the funding channel combination.

[0059] Specifically, in the process of determining the funding channel combination for combined settlement of the amount to be settled, the candidate channel combination corresponding to the mark carried by the settlement detection result can also be determined as the funding channel combination.

[0060] It should be noted that the execution result of the above-mentioned detection of whether there is a funding channel that meets the channel settlement conditions among the multiple funding channels in accordance with the channel detection method is that if there is, the detected funding channel that meets the channel settlement conditions is marked. Here, according to the mark of the funding channel carried in the settlement detection result, the funding channel corresponding to the mark is determined as the funding channel for settlement of the transaction order.

[0061] Step S208: Send a corresponding call request to each funding channel in the funding channel combination, so as to perform settlement processing of the amount to be settled through each funding channel.

[0062] After determining the funding channel combination for combined settlement of the amount to be settled from multiple funding channels based on the settlement detection results, in this step, a corresponding call request is sent to each funding channel in the funding channel combination to perform settlement processing of the amount to be settled through each funding channel.

[0063] During the specific implementation process, if the funding channel combination includes an account funding channel, a credit funding channel and an accounting funding channel, in an optional implementation provided by this embodiment, the settlement processing of the amount to be settled is performed through the various funding channels in the following manner: funds are transferred out from the institutional account according to the available balance of the account funding channel, and the transferred funds are transferred to the merchant account of the merchant; funds are transferred to the merchant account based on the available amount of the credit funding channel; the remaining settlement amount is calculated based on the amount to be settled, the available balance of the account funding channel and the available amount of the credit funding channel, and accounting processing is performed on the accounting funding channel according to the remaining settlement amount.

[0064] Specifically, when the funding channel combination includes account funding channels, credit funding channels and accounting funding channels, funds are transferred out from the institutional account according to the available balance of the account funding channel, and the transferred funds are transferred to the merchant's merchant account. Funds are transferred to the merchant account based on the available amount of the credit funding channel, and the remaining settlement amount is calculated based on the amount to be settled, the available balance of the account funding channel and the available amount of the credit funding channel, and accounting processing is performed in the accounting funding channel according to the remaining settlement amount.

[0065] For example, if the available balance of the account funding channel is a, the available balance of the credit funding channel is b, and the amount to be settled is a+b+c, then a of the amount to be settled can be paid through the account funding channel, b of the amount to be settled can be paid through the credit funding channel, and c of the amount to be settled can be recorded.

[0066] In addition, in the case where the candidate channel combination corresponding to the mark carried by the settlement detection result is determined as the funding channel combination, this embodiment provides an optional implementation method, in which the settlement processing of the amount to be settled is performed through the various funding channels in the following manner, including: allocating the amount to be settled based on the settlement priority of each funding channel in the funding channel combination; performing settlement processing in accordance with the funding settlement method corresponding to each funding channel and the allocated settlement sub-amount; optionally, the funding settlement method includes at least one of the following: transferring funds from the institutional account corresponding to the account funding channel to the merchant account, transferring funds to the merchant account based on the credit funding channel, and performing accounting processing in the accounting funding channel.

[0067] For example, a funding channel combination includes three channels: A, B, and C. The priority is A -> B -> C. The available balance of channel A is a, the available balance of channel B is b, and the available balance of channel C is c. When allocating the amount to be settled, x is allocated as x = a + b + c. First, the amount a in x is settled based on the available balance a of channel A. Then, the amount b in x is settled based on the available balance b of channel B. Finally, the amount c in x is settled based on the available balance c of channel C.

[0068] It should be noted that, after determining the funding channel corresponding to the mark carried in the settlement detection result as the funding channel for settlement of the transaction order, a corresponding call request is sent to the funding channel to perform settlement processing of the amount to be settled through the funding channel.

[0069] To sum up, the present embodiment provides one or more order settlement processing methods. When the target institution has pre-opened an account funding channel and a credit funding channel, after the merchant submits a settlement request for a transaction order, the target institution to which the institutional member belongs is determined based on the institutional member information carried in the settlement request. Based on the amount to be settled of the transaction order and the available balances of multiple funding channels of the target institution, settlement tests are performed on multiple funding channels. Based on the settlement test results, a funding channel combination for combined settlement of the amount to be settled is determined from multiple funding channels, and a corresponding call request is sent to each funding channel in the funding channel combination to perform settlement processing of the amount to be settled through each funding channel, thereby improving the payment success rate of the transaction order.

[0070] The following takes the application of an order settlement processing method provided by this embodiment in the first combination settlement scenario as an example, and combines Figure 3 to further illustrate the order settlement processing method provided by this embodiment. Referring to Figure 3, the order settlement processing method applied to the first combination settlement scenario specifically includes the following steps.

[0071] Step S302: Obtain an account fund channel opening request sent by the target institution to determine the available balance of the account fund channel.

[0072] After that, the account funding channel opening request is forwarded to the financial institution, so that the financial institution can transfer funds from the target institution's fund account according to the recharge amount carried in the opening request, and use the transferred funds as the available balance of the account funding channel.

[0073] Step S304: obtaining a credit fund channel opening request sent by the target institution, so as to use the credit limit as the available amount of the credit fund channel.

[0074] After that, the request for opening the credit funding channel is forwarded to the financial institution, so that the financial institution can determine the credit rating of the target institution based on the target institution information carried in the request for opening the credit funding channel, and use the credit limit corresponding to the credit rating as the available amount of the credit funding channel.

[0075] Step S306: Determine the target organization to which the organization member belongs based on the organization member information carried in the settlement request of the transaction order submitted by the merchant.

[0076] The transaction order is generated after payment is made by scanning the institution ID displayed on the user terminal of the institution member.

[0077] Step S308 : Compare the amount to be settled of the transaction order with the available balance of the account funding channel corresponding to the institutional account configured for the institutional identifier.

[0078] Among them, after detecting that a transaction order is generated, the order amount of the transaction order is used as the amount to be settled.

[0079] Step S310: If the amount to be settled is greater than the available balance of the account funding channel, the amount to be settled is compared with the total available balance of the account funding channel and the credit funding channel.

[0080] In addition, if the amount to be settled is less than the available balance of the account's funding channel, funds will be transferred out of the institutional account according to the amount to be settled of the transaction order, and the transferred funds will be transferred to the merchant's merchant account.

[0081] Step S312: If the amount to be settled is greater than or equal to the total available amount, a funding channel combination is constructed based on the account funding channel, the credit funding channel, and the bookkeeping funding channel.

[0082] In addition, if the amount to be settled is less than the total available amount and greater than the available balance of the account funding channel, a funding channel combination will be constructed based on the account funding channel and the credit funding channel, and funds will be transferred from the institutional account according to the available balance of the account funding channel, and the transferred funds will be transferred to the merchant account of the merchant, and funds will be transferred to the merchant account based on the available amount of the credit funding channel.

[0083] Step S314: transfer funds from the institutional account according to the available balance of the account funding channel, and transfer the transferred funds to the merchant's merchant account.

[0084] Step S316: Transfer funds to the merchant account based on the available amount of the credit fund channel.

[0085] Step S318: Calculate the remaining settlement amount based on the amount to be settled, the available balance of the account funding channel, and the available amount of the credit funding channel, and perform accounting processing in the accounting funding channel according to the remaining settlement amount.

[0086] The following takes the application of an order settlement processing method provided by this embodiment in the second combination settlement scenario as an example, and combines Figure 4 to further illustrate the order settlement processing method provided by this embodiment. Referring to Figure 4, the order settlement processing method applied to the second combination settlement scenario specifically includes the following steps.

[0087] Step S402: According to the organization member information carried in the settlement request of the transaction order submitted by the merchant, the target organization mapped with the organization member information is searched in the member-organization mapping table.

[0088] The transaction order is generated after payment is made by scanning the institution ID displayed on the user terminal of the institution member.

[0089] Step S404: Detect whether there is a funding channel that meets the channel settlement conditions among the multiple funding channels of the target institution according to the channel detection method.

[0090] The channel detection method includes first detecting the funding channels with the highest settlement priority.

[0091] Step S406: If it does not exist, detect whether the candidate channel combination in the multiple funding channels meets the combination settlement conditions according to the combination detection method.

[0092] Among them, the combination detection method includes: first detecting the candidate channel combination containing fewer channels of funding channels, and / or, for candidate channel combinations containing equal numbers of channels, first detecting the candidate channel combination containing funding channels with higher settlement priority.

[0093] In addition, if any, the detected funding channels that meet the channel settlement conditions will be marked.

[0094] Step S408: If a candidate channel combination that meets the combined settlement conditions is detected, the detected candidate channel combination is marked.

[0095] Step S410: According to the tag of the candidate channel combination carried in the settlement detection result, the candidate channel combination corresponding to the tag is determined as the funding channel combination.

[0096] Step S412: allocating the amount to be settled based on the settlement priority of each funding channel in the funding channel combination.

[0097] The amount to be settled is calculated based on the amount to be settled of the transaction orders within the funds settlement period when a settlement instruction of any institution's identification is detected.

[0098] Step S414: Perform settlement processing according to the fund settlement method corresponding to each fund channel and the allocated settlement sub-amount.

[0099] Among them, the fund settlement method includes at least one of the following: transferring funds from the institutional account corresponding to the account funding channel to the merchant account, transferring funds to the merchant account based on the credit funding channel, and accounting processing in the accounting funding channel.

[0100] An embodiment of an order settlement processing device provided in this specification is as follows.

[0101] In the above embodiment, an order settlement processing method is provided, and correspondingly, an order settlement processing device is also provided, which is described below with reference to the accompanying drawings.

[0102] 5 , which shows a schematic diagram of an order settlement processing device embodiment provided by this embodiment.

[0103] Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For the relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0104] This embodiment provides an order settlement processing device, which includes: an institution determination module 502, which is configured to determine the target institution to which the institution member belongs based on the institution member information carried in the settlement request of the transaction order submitted by the merchant; the transaction order is generated after payment is made by scanning the institution identification displayed on the user terminal of the institution member; a settlement detection module 504, which is configured to perform settlement detection on the multiple funding channels based on the amount to be settled of the transaction order and the available balances of the multiple funding channels of the target institution; a funding channel determination module 506, which is configured to determine, from the multiple funding channels, a funding channel combination for combined settlement of the amount to be settled based on the settlement detection result; a settlement processing module 508, which is configured to send a corresponding call request to each funding channel in the funding channel combination, so as to perform settlement processing of the amount to be settled through each funding channel.

[0105] An embodiment of an order settlement processing device provided in this specification is as follows.

[0106] Corresponding to the order settlement processing method described above, based on the same technical concept, one or more embodiments of this specification also provide an order settlement processing device, which is used to execute the order settlement processing method provided above. Figure 6 is a structural schematic diagram of an order settlement processing device provided by one or more embodiments of this specification.

[0107] This embodiment provides an order settlement processing device, including: As shown in FIG6 , the order settlement processing device may vary significantly due to configuration or performance differences, and may include one or more processors 601 and memory 602. Memory 602 may store one or more applications or data. Memory 602 may be either ephemeral or persistent. The application stored in memory 602 may include one or more modules (not shown), each of which may include a series of computer-executable instructions for the order settlement processing device. Furthermore, processor 601 may be configured to communicate with memory 602 to execute the series of computer-executable instructions in memory 602 on the order settlement processing device. The order settlement processing device may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input / output interfaces 605, one or more keyboards 606, and the like.

[0108] In a specific embodiment, an order settlement processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in the order settlement processing device, and is configured to be executed by one or more processors. The one or more programs include the following computer-executable instructions: determining the target institution to which the institutional member belongs based on the institutional member information carried in the settlement request of the transaction order submitted by the merchant; the transaction order is generated after payment is made by scanning the institutional identification displayed on the user terminal of the institutional member; performing settlement detection on the multiple funding channels based on the amount to be settled of the transaction order and the available balances of the multiple funding channels of the target institution; determining a funding channel combination for combined settlement of the amount to be settled among the multiple funding channels based on the settlement detection results; and sending a corresponding call request to each funding channel in the funding channel combination to perform settlement processing of the amount to be settled through each funding channel.

[0109] An embodiment of a storage medium provided in this specification is as follows.

[0110] Corresponding to the order settlement processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0111] The storage medium provided in this embodiment is used to store computer-executable instructions, which implement the following process when executed by a processor: determining the target institution to which the institutional member belongs based on the institutional member information carried in the settlement request of the transaction order submitted by the merchant; the transaction order is generated after payment is made by scanning the institutional identification displayed on the user terminal of the institutional member; based on the amount to be settled of the transaction order and the available balances of multiple funding channels of the target institution, settlement checks are performed on the multiple funding channels; based on the settlement test results, a funding channel combination for combined settlement of the amount to be settled is determined among the multiple funding channels; and a corresponding call request is sent to each funding channel in the funding channel combination to perform settlement processing of the amount to be settled through each funding channel.

[0112] It should be noted that the embodiment of a storage medium in this specification and the embodiment of an order settlement processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0113] The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment and storage medium embodiment are similar to the method embodiment, so the description is relatively simple. To read the relevant content in the device embodiment, equipment embodiment and storage medium embodiment, please refer to the partial description of the method embodiment.

[0114] The foregoing description of this specification describes specific embodiments. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the specific order shown or the sequential order to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0115] In the 1930s, technological improvements could be clearly distinguished as either hardware improvements (for example, improvements to circuit structures like diodes, transistors, and switches) or software improvements (improvements to process flows). However, with the advancement of technology, many process flow improvements today can now be considered direct improvements to hardware circuit structures. Designers almost always create the corresponding hardware circuit structure by programming the improved process flow into the hardware circuit. Therefore, it cannot be said that a process flow improvement cannot be implemented using hardware modules. For example, a programmable logic device (PLD), such as a field programmable gate array (FPGA), is an integrated circuit whose logical function is determined by user programming. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to hire a chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly done using "logic compiler" software. This is similar to the software compiler used when developing programs. Before compilation, the original code must also be written in a specific programming language, called a hardware description language (HDL). There is not just one HDL, but many, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that by simply programming the method flow in one of these hardware description languages ​​and then programming it into an integrated circuit, a hardware circuit that implements the logic method flow can be easily obtained.

[0116] The controller can be implemented in any suitable manner. For example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also know that in addition to implementing the controller in a purely computer-readable program code format, the controller can be implemented in the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be considered as structures within the hardware component. Or even, the devices for implementing various functions can be considered as both software modules that implement the method and structures within the hardware component.

[0117] The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or physical devices, or by products having certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0118] For the convenience of description, the above devices are described as being divided into various units according to their functions. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0119] Those skilled in the art will appreciate that one or more embodiments of this specification may be provided as a method, system, or computer program product. Thus, one or more embodiments of this specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0120] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device produce a device for implementing the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0121] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce a product including an instruction device that implements the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0122] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0123] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0124] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0125] Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0126] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus comprising a series of elements includes not only those elements but also other elements not explicitly listed, or elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprising at least one ..." does not exclude the presence of additional identical elements in the process, method, commodity, or apparatus comprising the element.

[0127] One or more embodiments of this specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform specific tasks or implement specific abstract data types. One or more embodiments of this specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communications network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0128] The foregoing description is merely an example of the present invention and is not intended to limit the present invention. Persons skilled in the art will readily appreciate that various modifications and variations of the present invention are possible. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of the present invention are intended to be included within the scope of the claims herein.

Claims

1. A method for processing order settlement, comprising: Determine the target institution to which the institution member belongs according to the institution member information carried in the settlement request of the transaction order submitted by the merchant; The transaction order is generated after payment is made by scanning the institution logo displayed on the user terminal of the institution member; Based on the to-be-settled amount of the transaction order and the available balances of the multiple funding channels of the target institution, performing settlement detection on the multiple funding channels; Determine, from the plurality of funding channels, a funding channel combination for combined settlement of the amount to be settled according to the settlement test result; A corresponding call request is sent to each funding channel in the funding channel combination, so as to perform settlement processing of the amount to be settled through each funding channel.

2. The order settlement processing method according to claim 1, wherein the settlement detection of the multiple funding channels based on the pending settlement amount of the transaction order and the available balances of the multiple funding channels of the target institution comprises: Comparing the amount to be settled with the available balance of the account funding channel corresponding to the institutional account configured for the institutional identifier; If the amount to be settled is greater than the available balance of the account funding channel, the amount to be settled is compared with the total available amount of the account funding channel and the credit funding channel.

3. The order settlement processing method according to claim 2, wherein the step of determining a combination of funding channels for combined settlement of the amount to be settled from among the multiple funding channels according to the settlement detection result comprises: If the amount to be settled is greater than or equal to the total available amount, constructing the funding channel combination based on the account funding channel, the credit funding channel and the bookkeeping funding channel; If the amount to be settled is less than the total available amount and greater than the available balance of the account funding channel, the funding channel combination is constructed based on the account funding channel and the credit funding channel.

4. The order settlement processing method according to claim 3, if the fund channel combination includes the account fund channel, the credit fund channel and the bookkeeping fund channel, correspondingly, the settlement processing of the amount to be settled through each fund channel includes: Transfer funds from the institutional account according to the available balance of the account funding channel, and transfer the transferred funds into the merchant account of the merchant; Transferring funds to the merchant account based on the available amount of the credit funding channel; The remaining settlement amount is calculated based on the amount to be settled, the available balance of the account funding channel and the available amount of the credit funding channel, and accounting processing is performed in the accounting funding channel according to the remaining settlement amount.

5. The order settlement processing method according to claim 1, wherein the settlement detection of the multiple funding channels based on the pending settlement amount of the transaction order and the available balances of the multiple funding channels of the target institution comprises: Detecting whether there is a funding channel that meets the channel settlement conditions among the multiple funding channels in accordance with the channel detection method; If not, detect whether the candidate channel combination in the multiple funding channels meets the combination settlement conditions in accordance with the combination detection method; If a candidate channel combination that meets the combined settlement condition is detected, the detected candidate channel combination is marked.

6. The order settlement processing method according to claim 5, wherein the channel detection method comprises first detecting the funding channel with the first settlement priority; The combined detection method includes: Candidate channel combinations containing fewer funding channels are detected first, and / or, for candidate channel combinations containing an equal number of channels, candidate channel combinations containing funding channels with a higher settlement priority are detected first.

7. The order settlement processing method according to claim 5, wherein determining a combination of funding channels for combined settlement of the amount to be settled from among the multiple funding channels according to the settlement detection result comprises: According to the mark of the candidate channel combination carried in the settlement detection result, the candidate channel combination corresponding to the mark is determined as the funding channel combination.

8. The order settlement processing method according to claim 7, wherein the settlement processing of the amount to be settled through each funding channel comprises: Allocating the amount to be settled based on the settlement priority of each funding channel in the funding channel combination; Perform settlement processing according to the fund settlement methods corresponding to each fund channel and the allocated settlement sub-amounts; Among them, the fund settlement method includes at least one of the following: transferring funds from the institutional account corresponding to the account fund channel to the merchant account, transferring funds to the merchant account based on the credit fund channel, and performing accounting processing in the accounting fund channel.

9. The order settlement processing method according to claim 1, before the step of determining the target organization to which the organization member belongs according to the organization member information carried in the settlement request of the transaction order submitted by the merchant is executed, it also includes: Obtain the account funding channel opening request sent by the target institution, and forward the account funding channel opening request to a financial institution, so that the financial institution transfers funds from the target institution's funding account according to the recharge amount carried in the account funding channel opening request, and uses the transferred funds as the available balance of the account funding channel.

10. The order settlement processing method according to claim 1, before the step of determining the target organization to which the organization member belongs according to the organization member information carried in the settlement request of the transaction order submitted by the merchant is executed, it also includes: Obtain the credit fund channel opening request sent by the target institution, and The request is forwarded to a financial institution so that the financial institution determines the credit rating of the target institution based on the target institution information carried in the request for opening the credit funding channel, and uses the credit limit corresponding to the credit rating as the available amount of the credit funding channel.

11. The order settlement processing method according to claim 1, wherein the step of determining the target organization to which the organization member belongs based on the organization member information carried in the settlement request of the transaction order submitted by the merchant comprises: According to the institution member information carried in the settlement request, the institution mapped with the institution member information is searched in the member-institution mapping table, and the institution is used as the target institution to which the institution member belongs.

12. The order settlement processing method according to claim 1, wherein the amount to be settled is determined in the following manner: When a settlement instruction of a fund settlement period identified by any institution is detected, the amount to be settled is calculated according to the amount to be settled of the transaction orders within the fund settlement period; or, After detecting that the transaction order is generated, the order amount of the transaction order is used as the amount to be settled.

13. An order settlement processing device, comprising: An institution determination module is configured to determine a target institution to which an institution member belongs based on the institution member information carried in the settlement request of the transaction order submitted by the merchant; The transaction order is generated after payment is made by scanning the institution logo displayed on the user terminal of the institution member; A settlement detection module, configured to perform settlement detection on the multiple funding channels based on the to-be-settled amount of the transaction order and the available balances of the multiple funding channels of the target institution; A fund channel determination module is configured to determine a fund channel combination for combined settlement of the amount to be settled from the multiple fund channels according to the settlement detection result; The settlement processing module is configured to send a corresponding call request to each funding channel in the funding channel combination, so as to perform settlement processing of the amount to be settled through each funding channel.

14. An order settlement processing device, comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Determine the target institution to which the institution member belongs according to the institution member information carried in the settlement request of the transaction order submitted by the merchant; the transaction order is generated after payment is made by scanning the institution identification displayed on the user terminal of the institution member; Based on the to-be-settled amount of the transaction order and the available balances of the multiple funding channels of the target institution, performing settlement detection on the multiple funding channels; Determine, from the plurality of funding channels, a funding channel combination for combined settlement of the amount to be settled according to the settlement test result; A corresponding call request is sent to each funding channel in the funding channel combination, so as to perform settlement processing of the amount to be settled through each funding channel.

15. A storage medium for storing computer executable instructions, wherein the computer executable instructions, when executed by a processor, implement the following process: Determine the target institution to which the institution member belongs according to the institution member information carried in the settlement request of the transaction order submitted by the merchant; the transaction order is generated after payment is made by scanning the institution identification displayed on the user terminal of the institution member; Based on the to-be-settled amount of the transaction order and the available balances of the multiple funding channels of the target institution, performing settlement detection on the multiple funding channels; Determine, from the plurality of funding channels, a funding channel combination for combined settlement of the amount to be settled according to the settlement test result; A corresponding call request is sent to each funding channel in the funding channel combination, so as to perform settlement processing of the amount to be settled through each funding channel.

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