CN108510366A - commodity settlement method and device - Google Patents
commodity settlement method and device Download PDFInfo
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- CN108510366A CN108510366A CN201810283568.7A CN201810283568A CN108510366A CN 108510366 A CN108510366 A CN 108510366A CN 201810283568 A CN201810283568 A CN 201810283568A CN 108510366 A CN108510366 A CN 108510366A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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Abstract
A kind of commodity settlement method of present invention offer and device are applied to the server communicated to connect with consumption terminal, cooperation businessman end.The method includes：The commodity settlement request that is sent by consumption terminal is received, and the commodity settlement request is parsed, obtains payment object corresponding to the commodity purchasing that the commodity settlement request includes, the means of payment, payment amount；The transaction currency conversion for deducting matching amount from the user account that the consumption terminal logs according to the means of payment and the payment amount is cash, and the cash of conversion is divided to the cooperation businessman end corresponding to account to the corresponding transaction platform of server and the payment object according to default point account strategy corresponding with the payment object.The commodity settlement method can deepen the linkage degree between transaction platform and each cooperation businessman, enhance the profitability of transaction platform.
Description
Technical field
The present invention relates to clearing payment technology fields, in particular to a kind of commodity settlement method and device.
Background technology
With the continuous development of science and technology, people's living standards continue to improve, in offline businesses and transaction platform
Line on establish interaction relation between businessman to improve the technology of customer's attraction also gradually ripe.But currently, people with
There are the clearing payment scheme used when carrying out commodity purchasing consumption at the offline businesses of interaction relation is typically straight by businessman on line
It connects and acts in offline businesses, and do not consider that transaction platform descends the profit possibility in process of consumption online, it cannot be further
Deepen the linkage degree between businessman on transaction platform and offline businesses and line.
Invention content
In order to overcome above-mentioned deficiency in the prior art, the purpose of the present invention is to provide a kind of commodity settlement method and dresses
It sets, the commodity settlement method can deepen the linkage degree between transaction platform and each cooperation businessman, enhance transaction platform
Profitability, wherein the partner family includes businessman and offline businesses on line.
For method, the embodiment of the present invention provides a kind of commodity settlement method, is applied to and consumption terminal, cooperation businessman end
The server of communication connection, the method includes：
The commodity settlement request sent by the consumption terminal is received, and the commodity settlement request is parsed, is obtained
The payment object corresponding to commodity purchasing that the commodity settlement request includes, the means of payment, payment amount；
Respective counts are deducted from the user account that the consumption terminal logs according to the means of payment and the payment amount
The transaction currency conversion of volume is cash, and divides the cash of conversion to account according to a default point account strategy corresponding with the payment object
To the cooperation businessman end corresponding to the corresponding transaction platform of server and the payment object.The wherein described partner family end includes
Offline businesses end and any one in businessman end on line, the means of payment is including paying in cash, off-line transaction currency is paid, line
At least one of upper transaction currency payment, the method deepened by way of cash point account transaction platform and offline businesses,
Linkage degree on line between store, enhances the profitability of transaction platform.
For device, the embodiment of the present invention provides a kind of commodity checkout apparatus, is applied to and consumption terminal, cooperation businessman end
The server of communication connection, described device include：
Request analysis module is settled accounts for receiving the commodity settlement request sent by the consumption terminal, and to the commodity
Request is parsed, and payment object corresponding to the commodity purchasing that the commodity settlement request includes, the means of payment, payment are obtained
The amount of money；
Ledger account module, the user for being logged in from the consumption terminal according to the means of payment and the payment amount
The transaction currency conversion that matching amount is deducted at account is cash, and divides account strategy according to preset corresponding with the payment object
Divide the cash of conversion to the cooperation businessman end corresponding to account to the corresponding transaction platform of server and the payment object.
In terms of existing technologies, commodity settlement method and device provided in an embodiment of the present invention have below beneficial to effect
Fruit：The commodity settlement method can deepen the linkage degree between transaction platform and each cooperation businessman, enhance transaction platform
Profitability.The method is applied to the server communicated to connect with consumption terminal, cooperation businessman end.First, the method is connecing
After receiving the commodity settlement request sent by the consumption terminal, it will be obtained described to being parsed to the commodity settlement request
Payment object corresponding to the commodity purchasing that commodity settlement request includes, the means of payment, payment amount.Then, the method will
In the friendship for deducting matching amount at the user account that the consumption terminal logs according to the means of payment and the payment amount
Easy currency conversion is cash, and divides account to service the cash of conversion according to default point account strategy corresponding with the payment object
Cooperation businessman end corresponding to the corresponding transaction platform of device and the payment object.The wherein described partner family end includes quotient under line
Family end and any one in businessman end on line, the means of payment is including paying in cash, off-line transaction currency is paid, online trading
At least one of currency payment, the off-line transaction currency are used under line consume, and the online trading currency is used for
Online trading is carried out on line at store, store is based on transaction platform realization operation on line, and the method divides account by cash
Mode enable to continue to get a profit with the transaction platform that offline businesses and offline businesses link, to be added based on the transaction platform
Linkage degree in deep offline businesses and line between businessman, enhances the profitability of transaction platform.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, present pre-ferred embodiments cited below particularly,
And coordinate appended attached drawing, it is described in detail below.
Description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be understood that the following drawings illustrates only certain embodiments of the present invention, therefore is not construed as pair
The restriction of the claims in the present invention protection domain, for those of ordinary skill in the art, what is do not made the creative labor
Under the premise of, it can also be obtained according to these attached drawings other relevant attached drawings.
Fig. 1 is server provided in an embodiment of the present invention, consumption terminal, the interaction on offline businesses end and line between businessman end
Schematic diagram.
Fig. 2 is the block diagram of server shown in Fig. 1 provided in an embodiment of the present invention.
Fig. 3 is the flow diagram of commodity settlement method provided in an embodiment of the present invention.
Fig. 4 is the first flow diagram for the sub-step that step S220 includes in Fig. 3.
Fig. 5 is second of flow diagram of the sub-step that step S220 includes in Fig. 3.
Fig. 6 is the third flow diagram for the sub-step that step S220 includes in Fig. 3.
Fig. 7 is the 4th kind of flow diagram of the sub-step that step S220 includes in Fig. 3.
Fig. 8 is the block diagram of commodity checkout apparatus shown in Fig. 2 provided in an embodiment of the present invention.
Fig. 9 is the block diagram of ledger account module shown in fig. 8.
Icon：10- servers；20- consumption terminals；30- offline businesses end；Businessman end on 40- lines；100- commodity clearing dress
It sets；11- memories；12- processors；13- communication units；110- request analysis modules；120- ledger account modules；121- currency
Deduct submodule；122- cashes divide account submodule.
Specific implementation mode
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.The present invention being usually described and illustrated herein in the accompanying drawings is implemented
The component of example can be arranged and be designed with a variety of different configurations.
Therefore, below the detailed description of the embodiment of the present invention to providing in the accompanying drawings be not intended to limit it is claimed
The scope of the present invention, but be merely representative of the present invention selected embodiment.Based on the embodiments of the present invention, this field is common
The every other embodiment that technical staff is obtained without creative efforts belongs to the model that the present invention protects
It encloses.
It should be noted that：Similar label and letter indicate similar terms in following attached drawing, therefore, once a certain Xiang Yi
It is defined, then it further need not be defined and explained in subsequent attached drawing in a attached drawing.
In the description of the present invention, it should be noted that unless otherwise clearly defined and limited, term " first ", " the
Two ", " third " etc. is only used for distinguishing description, is not understood to indicate or imply relative importance.
Below in conjunction with the accompanying drawings, it elaborates to some embodiments of the present invention.In the absence of conflict, following
Feature in embodiment and embodiment can be combined with each other.
Fig. 1 is please referred to, is server 10 provided in an embodiment of the present invention, consumption terminal 20, quotient on offline businesses end 30 and line
Interaction schematic diagram between family end 40.In embodiments of the present invention, the server 10 and quotient under the consumption terminal 20, the line
Businessman end 40 is connected by network communication on family end 30 and line, to realize that shopping at network and the corresponding data of clearing payment function are handed over
Mutually.Wherein, the offline businesses end 30 and businessman end 40 on the line are collectively referred to as the conjunction of the corresponding transaction platform of the server 10
Make businessman end, client of the offline businesses end 30 to run on the terminal device that offline businesses are held is logged in
Offline businesses correspond to the client of offline businesses' account, and each offline businesses' account corresponds to an offline businesses；The consumption terminal
20 client to run on the terminal device that consumer is held is logged in the client that consumer corresponds to user account
End, each user account correspond to a consumer；Businessman end 40 sets to run on the terminal that businessman on line is held on the line
Standby upper client logs in the client that wired upper businessman corresponds to Merchant ID on line, Merchant ID corresponds to one on each line
Businessman on a line；Operation is useful for realizing that the transaction of the linkage on line between store and offline businesses is flat on the server 10
Platform, store is based on the transaction platform and realizes operation on the line, and businessman is corresponding by being built in the store on the line on line
Virtual store mode, commercial articles vending is carried out by the transaction platform, store is corresponding with the transaction platform on the line
Matching.The server 10 can consumer into consume under line or line on consume during by by consumer payment currency
Conversion is cash, and cash is carried out to the commodity clearing form of point account, keeps the transaction to link with offline businesses and offline businesses flat
Platform can continue to get a profit, to deepen the linkage degree in offline businesses and line between businessman, enhancing based on the transaction platform
The profitability of transaction platform.Wherein, consumer can be accessed the server 10 by using consumption terminal 20 and correspond to transaction platform
Mode get the merchandise related information that businessman sells on each line in store on line, and on the line at store on line
Consumption.
In the present embodiment, the server 10 may be, but not limited to, cloud server, cluster server, distribution clothes
Business device etc., the plurality of server 10 can also form corresponding commodity settlement management system according to block chain technology, with right
Specific settlement process when the consumption terminal 20 carries out commodity clearing is managed；The terminal device may be, but not limited to,
Smart mobile phone, PC (Personal Computer, PC), tablet computer, personal digital assistant (Personal
Digital Assistant, PDA), mobile internet surfing equipment (Mobile Internet Device, MID) etc.；The network can
It to be, but is not limited to, cable network or wireless network.
Fig. 2 is please referred to, is the block diagram of server 10 shown in Fig. 1 provided in an embodiment of the present invention.In this hair
In bright embodiment, the server 10 includes commodity checkout apparatus 100, memory 11, processor 12 and communication unit 13.It is described
Memory 11, processor 12 and 13 each element of communication unit are directly or indirectly electrically connected between each other, to realize data
Transmission or interaction.For example, these elements can electrically be connected between each other by one or more communication bus or signal wire realization
It connects.
In the present embodiment, the memory 11 can be used for storing program, and the processor 12 is executed instruction receiving
Afterwards, described program is executed.The communication unit 13 is used to establish the server 10 and the consumption terminal 20, described by network
Communication connection on offline businesses end 30 and the line between businessman end 40, and pass through the network transceiving data.
In the present embodiment, the commodity checkout apparatus 100 include it is at least one can be with software or firmware (firmware)
Form be stored in the memory 11 or be solidificated in the operating system (operating system, OS) of the server 10
In software function module.The processor 12 can perform the executable module stored in the memory 11, such as the quotient
Software function module and computer program included by product checkout apparatus 100 etc..In the present embodiment, the server 10 can lead to
The commodity checkout apparatus 100 is crossed when consumption terminal 20 carries out commodity payment and settlement, is existing by the currency of payment conversion of consumer
Gold, and cash is subjected to a point account, enable the transaction platform to link with offline businesses and offline businesses to continue to get a profit, to be based on
The transaction platform deepens the linkage degree between businessman on offline businesses and line, enhances the profitability of transaction platform.
It is understood that structure shown in Fig. 2 is only a kind of structural schematic diagram of server 10, the server 10 is also
It may include than shown in Fig. 2 more either less components or with the configuration different from shown in Fig. 2.It is shown in Fig. 2 each
Hardware, software, or its combination realization may be used in component.
Fig. 3 is please referred to, is the flow diagram of commodity settlement method provided in an embodiment of the present invention.In the embodiment of the present invention
In, the commodity settlement method is communicated to connect applied to above-mentioned with businessman end 40 on consumption terminal 20, offline businesses end 30 and line
Server 10, wherein businessman end 40 is collectively referred to as the server 10 to correspond to transaction flat on the offline businesses end 30 and the line
The cooperation businessman end of platform is below described in detail the detailed process and step of commodity settlement method shown in Fig. 3.
Step S210 receives the commodity settlement request sent by consumption terminal 20, and is solved to the commodity settlement request
Analysis obtains payment object corresponding to the commodity purchasing that the commodity settlement request includes, the means of payment, payment amount.
In the present embodiment, when consumer carries out commodity purchasing clearing by being logged in the consumption terminal 20 of user account, disappear
The person of expense will send commodity settlement request by the consumption terminal 20 to server 10, so that the server 10 is according to the commodity
The information that settlement request includes carries out commodity clearing.The wherein described commodity settlement request include consumer carry out commodity purchasing when into
The payment object of row clearing, the means of payment, payment amount；The payment object is consumer by the consumption terminal 20 into doing business
The corresponding object for receiving currency when product are settled accounts, the payment object can be offline businesses end 30, can also be businessman on line
End 40；At least one of the means of payment is including paying in cash, online trading currency is paid and off-line transaction currency is paid,
The online trading currency is used on the line that the server 10 is formed at store on line consume, the off-line transaction goods
Coin is used at offline businesses under line consume；The payment amount is for consumer when carrying out commodity purchasing according to payer
The amount of currency that formula is paid, the amount of currency are matched with the means of payment, and the amount of currency includes gold of paying in cash
At least one of volume, online trading amount of currency and off-line transaction amount of currency.The server 10 comes from receiving
After being logged in the commodity settlement request of the consumption terminal 20 of user account, pass through the side parsed to the commodity settlement request
Formula obtains the corresponding payment object of the commodity settlement request, the means of payment, payment amount.
Step S220, according to the means of payment and the payment amount from the user account that the consumption terminal 20 logs in
The transaction currency conversion for deducting matching amount is cash, and divides account strategy that will convert according to preset corresponding with the payment object
Cash divide account to 10 corresponding transaction platform of server and it is described payment object corresponding to cooperation businessman end.
In the present embodiment, the server 10 is according to payment object, the means of payment, payment in the commodity settlement request
The respective data of the amount of money will use Corresponding matching currency conversion cash scheme and cash to divide account scheme, by consumer payment
Transaction currency, which is converted to, pays in cash at corresponding cooperation businessman end and the transaction platform, making and quotient under offline businesses and line
The transaction platform of family's linkage can continue to get a profit, to be deepened in offline businesses and line between businessman based on the transaction platform
Linkage degree enhances the profitability of transaction platform.
Optionally, Fig. 4 is please referred to, is the first flow diagram for the sub-step that step S220 includes in Fig. 3.In this reality
It applies in example, the step S220 may include sub-step S221 and sub-step S222.
Sub-step S221, if payment object is offline businesses end 30 and the means of payment includes the payment of off-line transaction currency, root
Matching amount is deducted according to the user account that the off-line transaction currency payment amount in payment amount is logged in from the consumption terminal 20
Off-line transaction currency.
In the present embodiment, the commodity settlement request that consumer is sent by consumption terminal 20 to the server 10 is corresponding
It can be offline businesses end 30 to pay object, can also be businessman end 40 on the line；The corresponding branch of the commodity settlement request
Pay mode can be pay in cash, online trading currency payment and off-line transaction currency payment at least one of or a variety of groups
Close, corresponding payment amount also will be in online trading amount of currency, off-line transaction amount of currency and the amount of money of paying in cash extremely
Few one or more combinations, the payment amount are corresponded with the means of payment.If the server 10 parses the quotient
The payment object that product settlement request obtains is offline businesses end 30 and counterpart expenditure mode includes the payment of off-line transaction currency, described
The off-line transaction currency payment amount that server 10 will include according to correspondence in the payment amount is settled accounts from the commodity are sent
It deducts at the user account that the consumption terminal 20 of request logs in and is handed under number line identical with the off-line transaction currency payment amount
Easy currency, to realize the monetary settlement of commodity under line.
The off-line transaction currency conversion of deduction is that matching amount showing according to the first exchange proportion by sub-step S222
Gold, and at the offline businesses' account logged in the cash point account of exchange to the offline businesses end 30 according to first point of account strategy and
At 10 corresponding transaction platform of server.
In the present embodiment, first exchange proportion be server 10 by the off-line transaction currency conversion of deduction at cash
The exchange proportion of Shi Caiyong, numerical value can be 40%, can also be 50%, can also be 80%, numerical value can be according to reality
Demand carries out different settings.The server 10 will be based on described after having deducted the off-line transaction currency at user account
First exchange proportion and deducted off-line transaction amount of money obtain needing point account to offline businesses and the cash of transaction platform
Total value, wherein the cash total value is equal between the deducted off-line transaction amount of money and first exchange proportion
Product value.
In the present embodiment, first point of account strategy is that the server 10 is being resolved to commodity settlement request correspondence branch
It pays object to be offline businesses end 30 and the means of payment when including the payment of off-line transaction currency, be divided for obtained cash is exchanged
The presupposed solution of account.First point of account strategy can will exchange obtained cash to be transferred accounts respectively to described according to eight or two ratios
At offline businesses' account that offline businesses end 30 logs in and at 10 corresponding transaction platform of the server, i.e., what exchange obtained shows
80% in gold transfers accounts at offline businesses' account, in the cash exchanged remaining 20% transfer accounts it is flat to the transaction
At platform；Can also be that will exchange obtained cash to transfer accounts respectively at offline businesses' account according to seven or three ratios and the friendship
At easy platform；Can also be that the cash number first obtained to exchange is identified, and is used according to the cash in different number stages
Different to divide account ratio, such as the first number stage was 1~2000 yuan, the second number stage was 2000~4000 yuan, then first
Corresponding point of account ratio of number stage is 91 ratios, and the second corresponding point of number stage account ratio is eight or two ratios, the clothes
Business device 10 is identified by the cash number obtained to exchange to judge that the cash number correspondence belongs to which number stage,
It is handled to which the cash that selection obtains exchange with obtained corresponding point of account ratio of number stage is judged carries out a point account.It is described
First point of account strategy can carry out different configurations according to actual demand.The server 10 by using first point of account strategy side
Formula corresponds to the cash of exchange at offline businesses' account that point account is logged in the offline businesses end 30 and server 10 is corresponding
At transaction platform, so that it is guaranteed that transaction platform in consumer into can also be got a profit by way of cash point account when consuming under line,
To deepen the linkage degree between offline businesses and transaction platform, enhance the profitability of transaction platform.
Optionally, Fig. 5 is please referred to, is second of flow diagram of the sub-step that step S220 includes in Fig. 3.In this reality
It applies in example, the step S220 can also include sub-step S223 and sub-step S224.
Sub-step S223, if the payment object is offline businesses end 30 and the means of payment includes paying in cash, root
The cash of matching amount is deducted from the user account according to the number of paying in cash in payment amount.
In the present embodiment, if the server 10 parses the commodity settlement request, and pair it will be appreciated that described
The corresponding payment object of commodity settlement request is offline businesses end 30 and counterpart expenditure mode includes commodity when paying in cash
By correspondence include number of paying in cash in the corresponding payment amount of settlement request, the server 10 will be according to payment gold
The number of paying in cash that correspondence includes in volume is buckled from the user account that the consumption terminal 20 for sending the commodity settlement request logs in
Except number cash identical with the number of paying in cash, to realize the monetary settlement of commodity under line.The server 10 at this time
It need not be converted for the present price of consumer payment.
Sub-step S224, the line for logging in the cash point account of deduction to the offline businesses end 30 according to second point of account strategy
At lower Merchant ID and at the transaction platform, and pay in cash according to number and First Line are returned to the user account
The online trading currency that upper return ratio generates.
In the present embodiment, second point of account strategy is that the server 10 is being resolved to commodity settlement request correspondence branch
It is that offline businesses end 30 and the means of payment include when paying in cash to pay object, for the cash deducted directly at user account into
Row divides the presupposed solution of account.It is similar with first point of account strategy, second point of account strategy can be the cash that will deduct by
It transfers accounts respectively at the offline businesses' account logged in the offline businesses end 30 according to six or four ratios and the server 10 is corresponding
At transaction platform, can also be the cash of deduction is transferred accounts respectively according to 91 ratios it is at offline businesses' account and described
At transaction platform, specific second point of account strategy can carry out different configurations according to actual demand.The server 10 is by adopting
The cash directly deducted is corresponded into point account at offline businesses' account with the mode of second point of account strategy and the transaction is flat
At platform, so that it is guaranteed that transaction platform in consumer into can also be got a profit by way of cash point account when consuming under line, to deepen
Linkage degree between offline businesses and transaction platform, enhances the profitability of transaction platform.
In the present embodiment, the server 10 will be based on the commodity settlement request after completing to divide account to cash
In pay in cash number and First Line on return the user account that is logged in the consumption terminal 20 of ratio and return certain number
Online trading currency for carrying out online trading at store on line.The online trading currency wherein returned is equal to the cash
Product value in payment amount and the First Line between return ratio returns ratio on the First Line for realizing online trading
Currency is returned, and numerical value can be 40%, can also be 100%, can also be 130%, specific numerical value can be according to practical need
It asks and carries out different settings.
Optionally, Fig. 6 is please referred to, is the third flow diagram for the sub-step that step S220 includes in Fig. 3.In this reality
It applies in example, the step S220 can also include sub-step S225 and sub-step S226.
Sub-step S225, if the payment object is that businessman end 40 and the means of payment include online trading currency on line
The online trading of matching amount is deducted in payment according to the online trading currency payment amount in payment amount from the user account
Currency.
In the present embodiment, store is corresponded with the transaction platform run on the server 10 on line, and consumer can
Accessing, businessman buys commodity on corresponding line by way of store on the line.If the server 10 is to the commodity knot
Request is calculated to be parsed, and the corresponding corresponding payment object of the commodity settlement request being resolved to is businessman end 40 on line and right
When to answer the means of payment include the payment of online trading currency, include by correspondence in the corresponding payment amount of the commodity settlement request
Online trading currency payment amount, the online trading currency branch that the server 10 will include according to correspondence in the payment amount
Number is paid, number and the online trading are deducted from the user account that the consumption terminal 20 for sending the commodity settlement request logs in
The identical online trading currency of currency payment amount, to realize the monetary settlement of commodity on line.
The online trading currency conversion of deduction is that matching amount showing according to the second exchange proportion by sub-step S226
Gold, and according to third point account strategy by Merchant ID on businessman end 40 logs in the cash point account to the line of exchange line and
At 10 corresponding transaction platform of server.
In the present embodiment, second exchange proportion be server 10 by the online trading currency conversion of deduction at cash
The exchange proportion of Shi Caiyong, numerical value can be 55%, can also be 65%, specific numerical value can carry out not according to actual demand
Same setting.The server 10 will be based on described second and exchange ratio after having deducted the online trading currency at user account
Example and deducted online trading amount of money obtain the cash total value for needing to transfer accounts at the transaction platform, wherein described existing
Golden total value is equal to the product value between the deducted online trading amount of money and second exchange proportion.The server
10 return businessman in the cash point account to the line that will be obtained the exchange according to third point account strategy after completing currency conversion
On the line that end 40 logs at Merchant ID and at 10 corresponding transaction platform of server.
Wherein, to be the server 10 be the third point account strategy being resolved to commodity settlement request counterpart expenditure object
When businessman end 40 and the means of payment include the payment of online trading currency on line, point account is carried out for obtained present price is exchanged
Presupposed solution.The third point account strategy can will exchange obtained cash to be transferred accounts respectively onto the line according to eight or two ratios
On the line that businessman end 40 logs at Merchant ID and at 10 corresponding transaction platform of the server, that is, in the cash exchanged
80% transfer accounts to Merchant ID on the line everywhere, remaining 20% transfers accounts to the transaction platform in the cash exchanged
Place；Can also be procurement of commodities cash number of each commodity on the line at businessman in the commodity bought according to consumer,
It will exchange in procurement of commodities cash allocation to the line needed for each commodity for belonging to buying consumer's purchase in obtained cash
On the line that businessman end 40 logs at Merchant ID, remaining cash is assigned at 10 corresponding transaction platform of the server.
Specific third point account strategy can carry out different configurations according to actual demand.
Wherein, the commodity settlement request further includes the corresponding merchandise news of each purchase commodity, is deposited in the server 10
The procurement price information corresponding to the various commodity occurred in store on line is contained, the server 10 can be believed according to each commodity
Breath and the corresponding procurement price information of each commodity obtain server 10 and need to distribute to the cash number at businessman end 40 on corresponding line.
Optionally, Fig. 7 is please referred to, is the 4th kind of flow diagram of the sub-step that step S220 includes in Fig. 3.In this reality
It applies in example, the step S220 can also include sub-step S227 and sub-step S228.
Sub-step S227, if the payment object is that businessman end 40 and the means of payment include paying in cash on line, root
The cash of matching amount is deducted from the user account according to the number of paying in cash in payment amount.
In the present embodiment, if the server 10 is parsed to the commodity settlement request, and correspondence is resolved to
The corresponding payment object of the commodity settlement request be that businessman end 40 and counterpart expenditure mode include institute when paying in cash on line
It includes number of paying in cash to state correspondence in the corresponding payment amount of commodity settlement request, and the server 10 will be according to described
The number of paying in cash that correspondence includes in payment amount, the user's account logged in from the consumption terminal 20 for sending the commodity settlement request
Number cash identical with the number of paying in cash is deducted at number, to realize the monetary settlement of commodity on line.
Sub-step S228, according to the 4th point of account strategy by businessman end 40 logs in the cash point account to the line of deduction line
At upper Merchant ID and at the transaction platform, and pay in cash according to number and the second line are returned to the user account
The online trading currency or handed under the line that ratio generates according to being returned under pay in cash number and the line that upper return ratio generates
Easy currency.
In the present embodiment, the 4th point of account strategy is that the server 10 is being resolved to commodity settlement request correspondence branch
It is that businessman end 40 and the means of payment include on line when paying in cash to pay object, for the cash deducted directly at user account into
Row divides the presupposed solution of account.Divide account strategy similar with the third, the 4th point of account strategy can be the cash that will deduct by
It transfers accounts respectively on the line logged in businessman end 40 on the line at Merchant ID according to six or four ratios and the server 10 is corresponding
Can also be that the amount of cash needed for buying corresponding goods is transferred accounts to quotient on the line that businessman end 40 logs on line at transaction platform
Family's account, and remainder in the cash of deduction is transferred accounts to the transaction platform.
In the present embodiment, the server 10 divides the cash of deduction in account to the line according to the 4th point of account strategy
On the line that businessman end 40 logs at Merchant ID and at the transaction platform after, will be paid in cash on number and the second line by described
The online trading currency that return ratio generates or the off-line transaction goods generated by returning ratio under pay in cash number and the line
Coin returns to the user account, so that online trading currency of the consumer based on return is submitted at store on line into line
Easily, the off-line transaction currency or based on return carries out off-line transaction at offline businesses.The online trading currency wherein returned
Number is equal to the product value between return ratio on pay in cash number and second line, the off-line transaction currency of return
Number is equal to the product value between return ratio under pay in cash number and the line.Returning ratio on second line can be with
It is 63%, can also be 90%, can also be 110%, specific numerical value can carry out different settings according to actual demand；It is described
It can be 78% that ratio is returned under line, can also be 100%, can also be 105%, specific numerical value can according to actual demand into
The different setting of row.
Fig. 8 is please referred to, is the block diagram of commodity checkout apparatus 100 shown in Fig. 2 provided in an embodiment of the present invention.
In embodiments of the present invention, the commodity checkout apparatus 100 includes request analysis module 110 and ledger account module 120.
The request analysis module 110, for receiving the commodity settlement request sent by consumption terminal 20, and to the commodity
Settlement request is parsed, obtain payment object corresponding to the commodity purchasing that the commodity settlement request includes, the means of payment,
Payment amount.
In the present embodiment, the request analysis module 110 can execute the step S210 in Fig. 3, specifically execute
Journey can refer to above to the detailed description of step S210.
The ledger account module 120, for according to the means of payment and the payment amount from the consumption terminal 20
The transaction currency conversion that matching amount is deducted at the user account of login is cash, and according to corresponding pre- with the payment object
If the cash of conversion is divided the cooperation corresponding to account to 10 corresponding transaction platform of server and the payment object by point account strategy
Businessman end.
In the present embodiment, cooperation businessman end includes any one in businessman end 40 on offline businesses end 30 and line,
The means of payment includes the payment of off-line transaction currency, the payment of online trading currency, at least one of pays in cash.
Fig. 9 is please referred to, is the block diagram of ledger account module 120 shown in fig. 8.In the present embodiment, described
Ledger account module 120 includes that currency deduction submodule 121 and cash divide account submodule 122.
In the first embodiment of the present embodiment：
The currency deducts submodule 121, if object is offline businesses end 30 and the means of payment includes under line for paying
Transaction currency is paid, the user account logged in from the consumption terminal 20 according to the off-line transaction currency payment amount in payment amount
Deduct the off-line transaction currency of matching amount.
The cash divides account submodule 122, for converting the off-line transaction currency of deduction according to the first exchange proportion
It is changed to the cash of matching amount, and log in the cash point account of exchange to the offline businesses end 30 according to first point of account strategy
At offline businesses' account and at 10 corresponding transaction platform of server.
Wherein, the currency deducts submodule 121 and cash point account submodule 122 can execute the sub-step in Fig. 4 respectively
Rapid S221 and sub-step S222, specific implementation procedure can refer to retouching in detail for above sub-paragraphs S221 and sub-step S222
It states.
In second of embodiment of the present embodiment：
The currency deducts submodule 121, if it is offline businesses end 30 and the payer to be additionally operable to the payment object
Formula includes paying in cash, and deducts the cash of matching amount from the user account according to the number of paying in cash in payment amount.
The cash divides account submodule 122, is additionally operable to the cash point account of deduction to the line according to second point of account strategy
At offline businesses' account that lower businessman end 30 logs in and at the transaction platform, and returned to the user account according to described existing
The online trading currency that ratio generates is returned in golden payment amount and First Line.
Wherein, the currency deducts submodule 121 and cash point account submodule 122 can execute the sub-step in Fig. 5 respectively
Rapid S223 and sub-step S224, specific implementation procedure can refer to retouching in detail for above sub-paragraphs S223 and sub-step S224
It states.
In the third embodiment of the present embodiment：
The currency deducts submodule 121, if it is businessman end 40 and the payer on line to be additionally operable to the payment object
Formula includes the payment of online trading currency, is deducted from the user account according to the online trading currency payment amount in payment amount
The online trading currency of matching amount.
The cash divides account submodule 122, is additionally operable to the online trading currency by deduction according to the second exchange proportion
The cash of matching amount is converted to, and logs in businessman end 40 in the cash point account to the line of exchange according to third point account strategy
Line at Merchant ID and at 10 corresponding transaction platform of server.
Wherein, the currency deducts submodule 121 and cash point account submodule 122 can execute the sub-step in Fig. 6 respectively
Rapid S225 and sub-step S226, specific implementation procedure can refer to retouching in detail for above sub-paragraphs S225 and sub-step S226
It states.
In the 4th kind of embodiment of the present embodiment：
The currency deducts submodule 121, and it is businessman end 40 and the means of payment on line to be additionally operable to the payment object
Including paying in cash, the cash of matching amount is deducted from the user account according to the number of paying in cash in payment amount.
The cash divides account submodule 122, is additionally operable to the cash point account of deduction to the line according to the 4th point of account strategy
On the line that upper businessman end 40 logs at Merchant ID and at the transaction platform, and returned to the user account according to described existing
The online trading currency or returned according under pay in cash number and the line that ratio generates are returned in golden payment amount and the second line
The off-line transaction currency that also ratio generates.
Wherein, the currency deducts submodule 121 and cash point account submodule 122 can execute the sub-step in Fig. 7 respectively
Rapid S227 and sub-step S228, specific implementation procedure can refer to retouching in detail for above sub-paragraphs S227 and sub-step S228
It states.
In conclusion in commodity settlement method provided in an embodiment of the present invention and device, the commodity settlement method can
Deepen the linkage degree between transaction platform and each cooperation businessman, enhances the profitability of transaction platform.The method is applied to
The server communicated to connect with consumption terminal, cooperation businessman end.First, the method is receiving the quotient sent by the consumption terminal
After product settlement request, the commodity purchase that the commodity settlement request includes will be obtained to being parsed to the commodity settlement request
Buy corresponding payment object, the means of payment, payment amount.Then, the method will be according to the means of payment and described
Payment amount deducted from the user account that the consumption terminal logs in matching amount transaction currency conversion be cash, and according to
The cash of conversion is divided account to the corresponding transaction platform of server and the branch by the corresponding default point account strategy of the payment object
Pay the cooperation businessman end corresponding to object.The wherein described partner family end include offline businesses end with it is any one in businessman end on line
Kind, the means of payment include pay in cash, off-line transaction currency payment, online trading currency payment at least one of, institute
Off-line transaction currency to be stated to be used under line consume, the online trading currency is used to carry out online trading at store on line,
On line store be based on the transaction platform realize operation, the method made by way of cash point account under offline businesses and line
The transaction platform of businessman's linkage can continue to get a profit, to be deepened in offline businesses and line between businessman based on the transaction platform
Linkage degree, enhance the profitability of transaction platform.
The foregoing is only a preferred embodiment of the present invention, is not intended to restrict the invention, for the skill of this field
For art personnel, the invention may be variously modified and varied.All within the spirits and principles of the present invention, any made by repair
Change, equivalent replacement, improvement etc., should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of commodity settlement method, which is characterized in that it is applied to the server communicated to connect with consumption terminal, cooperation businessman end,
The method includes：
The commodity settlement request sent by the consumption terminal is received, and the commodity settlement request is parsed, is obtained described
Payment object corresponding to the commodity purchasing that commodity settlement request includes, the means of payment, payment amount；
Matching amount is deducted from the user account that the consumption terminal logs according to the means of payment and the payment amount
Transaction currency conversion is cash, and divides account to clothes the cash of conversion according to default point account strategy corresponding with the payment object
Cooperation businessman end corresponding to the corresponding transaction platform of business device and the payment object.
2. according to the method described in claim 1, it is characterized in that, cooperation businessman end includes offline businesses end and quotient on line
Any one in family end, the means of payment include the payment of off-line transaction currency, the payment of online trading currency, pay in cash
At least one, it is described that phase is deducted from the user account that the consumption terminal logs according to the means of payment and the payment amount
It is cash to answer the transaction currency of number to convert, and divides account strategy by the cash of conversion according to preset corresponding with the payment object
The step of cooperation businessman end corresponding to point account to the corresponding transaction platform of server and the payment object includes：
If the payment object is offline businesses end and the means of payment includes the payment of off-line transaction currency, according to payment amount
In the user account that is logged in from the consumption terminal of off-line transaction currency payment amount deduct the off-line transaction currency of matching amount,
The wherein described off-line transaction currency is used under line consume；
According to the first exchange proportion by the cash that the off-line transaction currency conversion of deduction is matching amount, and according to first point
At offline businesses' account that the cash of exchange is divided account to be logged in the offline businesses end by account strategy and the corresponding transaction of server
At platform.
3. according to the method described in claim 2, it is characterized in that, it is described according to the means of payment and the payment amount from
The transaction currency conversion that matching amount is deducted at the user account that the consumption terminal logs in is cash, and according to the payment pair
As the cash of conversion is divided account right to the corresponding transaction platform of server and payment object institute by corresponding default point account strategy
The step of cooperation businessman end answered further includes：
If the payment object is offline businesses end and the means of payment includes paying in cash, according to the cash in payment amount
Payment amount deducts the cash of matching amount from the user account；
At the offline businesses' account for dividing account to be logged in the offline businesses end cash of deduction according to second point of account strategy and institute
It states at transaction platform, and is returned to the user account and return what ratio generated on pay in cash according to number and First Line
Online trading currency, wherein the online trading currency at store on line for carrying out online trading.
4. according to the method in claim 2 or 3, which is characterized in that described golden according to the means of payment and the payment
Volume deducted from the user account that the consumption terminal logs in matching amount transaction currency conversion be cash, and according to the branch
Paying the corresponding default point account strategy of object divides account to the corresponding transaction platform of server and the payment object cash of conversion
The step of corresponding cooperation businessman end further includes：
If the payment object is that businessman end and the means of payment include the payment of online trading currency on line, according to payment amount
In online trading currency payment amount from the user account deduct matching amount online trading currency；
According to the second exchange proportion by the cash that the online trading currency conversion of deduction is matching amount, and according to third point
On the line that the cash of exchange is divided businessman end in account to the line to log in by account strategy at Merchant ID and the corresponding transaction of server
At platform.
5. according to the method described in claim 4, it is characterized in that, it is described according to the means of payment and the payment amount from
The transaction currency conversion that matching amount is deducted at the user account that the consumption terminal logs in is cash, and according to the payment pair
As the cash of conversion is divided account right to the corresponding transaction platform of server and payment object institute by corresponding default point account strategy
The step of cooperation businessman end answered further includes：
If the payment object is that businessman end and the means of payment include paying in cash on line, according to the cash in payment amount
Payment amount deducts the cash of matching amount from the user account；
On the line for dividing businessman end in account to the line to log in the cash of deduction according to the 4th point of account strategy at Merchant ID and institute
It states at transaction platform, and is returned to the user account and return what ratio generated on pay in cash according to number and the second line
Online trading currency or the off-line transaction currency generated according to ratio is returned under pay in cash number and the line.
6. a kind of commodity checkout apparatus, which is characterized in that it is applied to the server communicated to connect with consumption terminal, cooperation businessman end,
Described device includes：
Request analysis module, for receiving the commodity settlement request sent by the consumption terminal, and to the commodity settlement request
It is parsed, obtains payment object, the means of payment, the payment gold corresponding to the commodity purchasing that the commodity settlement request includes
Volume；
Ledger account module, the user account for being logged in from the consumption terminal according to the means of payment and the payment amount
The transaction currency conversion that matching amount is deducted at place is cash, and divides account strategy that will roll over according to preset corresponding with the payment object
The cash of calculation divides the cooperation businessman end corresponding to account to the corresponding transaction platform of server and the payment object.
7. device according to claim 6, which is characterized in that cooperation businessman end includes offline businesses end and quotient on line
Any one in family end, the means of payment include the payment of off-line transaction currency, the payment of online trading currency, pay in cash
At least one, the ledger account module include that currency deducts submodule and cash point account submodule；
Wherein, the currency deducts submodule, if including for offline businesses end and the means of payment for the payment object
Off-line transaction currency is paid, the user's account logged in from the consumption terminal according to the off-line transaction currency payment amount in payment amount
The off-line transaction currency of matching amount number is deducted, wherein the off-line transaction currency is used for into consuming under line；
The cash divides account submodule, is used to according to the first exchange proportion be corresponding by the off-line transaction currency conversion of deduction
The cash of number, and divide the cash of exchange to offline businesses' account that account is logged in the offline businesses end according to first point of account strategy
At number and at the corresponding transaction platform of server.
8. device according to claim 7, which is characterized in that
The currency deducts submodule, if being additionally operable to, the payment object is offline businesses end and the means of payment includes cash
The cash of matching amount is deducted in payment according to the number of paying in cash in payment amount from the user account；
The cash divides account submodule, is additionally operable to the cash point account of deduction to the offline businesses end according to second point of account strategy
At offline businesses' account of login and at the transaction platform, and number of paying in cash according to is returned to the user account
And the online trading currency that ratio generates is returned on First Line, wherein the online trading currency at store on line for carrying out
Online trading.
9. device according to claim 7 or 8, which is characterized in that
The currency deducts submodule, if it includes on line to be additionally operable to the payment object as businessman end on line and the means of payment
Transaction currency is paid, and matching amount is deducted from the user account according to the online trading currency payment amount in payment amount
Online trading currency；
The cash divides account submodule, is additionally operable to be deducted according to the second exchange proportion by the online trading currency deducted
The online trading currency conversion be matching amount cash, and divide account to institute the cash of exchange according to third point account strategy
It states on the line that businessman end logs on line at Merchant ID and at the corresponding transaction platform of server.
10. device according to claim 9, which is characterized in that
The currency deducts submodule, if it includes cash to be additionally operable to the payment object as businessman end on line and the means of payment
The cash of matching amount is deducted in payment according to the number of paying in cash in payment amount from the user account；
The cash divides account submodule, is additionally operable to businessman end in the cash point account to the line of deduction according to the 4th point of account strategy
On the line of login at Merchant ID and at the transaction platform, and number of paying in cash according to is returned to the user account
And second return the online trading currency or generated according to ratio is returned under pay in cash number and the line that ratio generates on line
Off-line transaction currency.
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|---|---|---|---|
| CN201810283568.7A CN108510366A (en) | 2018-04-02 | 2018-04-02 | commodity settlement method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810283568.7A CN108510366A (en) | 2018-04-02 | 2018-04-02 | commodity settlement method and device |
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| CN108510366A true CN108510366A (en) | 2018-09-07 |
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