CN115564415A - Method and device for order payment and settlement - Google Patents

Abstract

The invention discloses a method and a device for order payment and settlement, and relates to the technical field of e-commerce. One embodiment of the method comprises: generating a batch payment order according to the received order placing request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise an acceptance settlement node and a remainder settlement node; responding to a payment request of a user, and acquiring a payment node corresponding to the payment request; under the condition that the payment node is an acceptance settlement node, the merchant is subjected to acceptance settlement according to the received money, wherein the received money comprises an acceptance check; and under the condition that the payment node is a residual settlement node, performing residual settlement on the merchant according to all unsettled money. The implementation mode not only supports online payment and settlement, meets batch payment requirements of the user side, but also supports the advance settlement of partial money of the merchant at a specific payment node, solves the problem of fund turnover of the merchant, and reduces the fund pressure of the merchant.

Description

Method and device for order payment and settlement

technical field

The invention relates to the technical field of e-commerce, in particular to a method and device for order payment and settlement.

Background technique

With the promotion and application of Internet technology, online shopping has become a generally accepted way of consumption. Online shopping provides users and merchants with a reliable and convenient payment method. After confirming that the user has paid the full payment, an order is generated and the merchant performs the contract, ensuring the rights and interests of users and merchants.

In the course of realizing the present invention, the inventor finds that there are following problems in the prior art:

For large-scale equipment items, on the one hand, due to the complexity and professionalism of their use, the transaction process of the items includes not only delivery, but also services such as installation, commissioning, and acceptance, so it is not suitable to pay the full amount of the goods in one go. On the other hand, because the transaction amount of such equipment is usually relatively large, the existing online transaction rules can only be settled by the merchant after the full payment is made, which affects the capital turnover efficiency of the merchant and brings certain problems to the merchant. financial pressure. The use of traditional offline transactions not only increases the cost of daily management and transactions for users and merchants, but also is not conducive to the extraction, statistics and analysis of transaction information. That is to say, for such items, there is currently no efficient transaction method that can satisfy the demands of users and merchants at the same time.

Contents of the invention

In view of this, the embodiments of the present invention provide a method and device for order payment and settlement. According to the user's order request, a batch payment order including multiple payment nodes is generated; according to the user's payment request, when the acceptance settlement node is obtained , check and settle the merchant; when the balance settlement node is obtained, settle the balance with the merchant. The method provided by the embodiment of the present invention not only supports online payment and settlement, satisfies the demand of the client for batch payment, but also supports the advance settlement of part of the payment for the merchant at a specific payment node, which solves the problem of merchant capital turnover , reducing the financial pressure of merchants and ensuring the rights and interests of merchants.

To achieve the above purpose, according to an aspect of an embodiment of the present invention, a method for order payment and settlement is provided, including:

According to the received order request, a batch payment order is generated, the batch payment order includes a plurality of payment nodes, and the payment node includes an acceptance settlement node and a balance settlement node;

In response to the user's payment request, obtain the payment node corresponding to the payment request;

In the case that the payment node is an acceptance check and settlement node, check and settle the merchant according to the received payment, and the received payment includes the check and acceptance payment;

In the case that the payment node is a balance settlement node, the balance settlement is performed to the merchant according to all unsettled funds.

Optionally, generating a batch payment order according to the received order request includes: obtaining item information of the order to be generated according to the received order request; including items with batch payment identifiers in the item information In the case of , it is determined that the type of the order to be generated is a batch payment order; according to the item information and payment rules, a batch payment order is generated.

Optionally, generating a batch payment order according to the item information and payment rules includes: selecting a batch payment order template conforming to the payment rules from a preset batch payment order template set; A single request is made to obtain user information; and a batch payment order is generated according to the user information, the item information and the selected batch payment order template.

Optionally, the payment node also includes a delivery node; the method further includes: when the payment node is a delivery node, judging whether the payment amount of the user satisfies the payment rule, and In the case of the payment rules, the merchant is prompted to deliver the goods.

Optionally, the acceptance settlement node is triggered in the following manner: in response to receiving the acceptance document of the batch payment order, sending a payment request for the acceptance payment of the batch payment order to the user; in response to receiving The acceptance payment triggers the acceptance settlement node.

Optionally, the balance settlement node has a time attribute; the method further includes: in response to receiving the acceptance payment, recording the completion time of the acceptance settlement node; according to the completion time of the acceptance settlement node, updating The latest execution time of the balance settlement node.

Optionally, the method further includes: monitoring the execution result of each payment node included in the batch payment order; updating the status of the batch payment order and remaining items to be paid according to the execution result; The status of the batch payment order and the remaining items to be paid are analyzed, and a payment prompt message is generated and sent to the user.

According to the second aspect of the embodiments of the present invention, an order payment and settlement device is provided, including:

An order generation module, configured to generate a batch payment order according to the received order request, the batch payment order includes a plurality of payment nodes, and the payment nodes include acceptance settlement nodes and balance settlement nodes;

A payment node obtaining module, configured to obtain the payment node corresponding to the payment request in response to the user's payment request;

The check and settlement node execution module is used to perform check and settlement for the merchant according to the received payment when the payment node is the check and acceptance settlement node, and the received payment includes the check and acceptance payment;

The balance settlement node execution module is used for performing balance settlement to the merchant according to all unsettled funds when the payment node is a balance settlement node.

According to a third aspect of the embodiments of the present invention, there is provided an electronic device for order payment and settlement, which is characterized in that it includes:

one or more processors;

storage means for storing one or more programs,

When the one or more programs are executed by the one or more processors, the one or more processors are made to implement the method provided by the first aspect of the embodiments of the present invention.

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

An embodiment of the invention has the following advantages or beneficial effects: by generating a batch payment order according to the received order request, the batch payment order includes a plurality of payment nodes, and the payment nodes include acceptance settlement nodes and balance settlement nodes node; in response to the user's payment request, obtain the payment node corresponding to the payment request; in the case that the payment node is an acceptance settlement node, perform acceptance settlement for the merchant according to the received payment, and the received payment includes the acceptance payment; In the case that the payment node is the balance settlement node, according to all the unsettled funds, the technical solution for the balance settlement to the merchant realizes the generation of batch payment orders including multiple payment nodes according to the user's order request; according to For the user's payment request, when the acceptance settlement node is obtained, the acceptance settlement is performed to the merchant; when the balance settlement node is obtained, the balance settlement is performed to the merchant. The method provided by the embodiment of the present invention not only supports online payment and settlement, satisfies the demand of the client for batch payment, but also supports the advance settlement of part of the payment for the merchant at a specific payment node, which solves the problem of merchant capital turnover , reducing the financial pressure of merchants and ensuring the rights and interests of merchants.

Description of drawings

The accompanying drawings are used to better understand the present invention, and do not constitute improper limitations to the present invention. in:

FIG. 1 is a schematic diagram of the main flow of a method for order payment and settlement according to an embodiment of the present invention;

Fig. 2 is a schematic diagram of the main process of generating batch payment orders according to the embodiment of the present invention;

3 is a schematic diagram of the main flow of online payment in an embodiment of the present invention;

Fig. 4 is a schematic diagram of the main flow chart of delivery fulfillment according to the embodiment of the present invention;

Fig. 5 is a schematic diagram of the main process executed by the acceptance and settlement node of the embodiment of the present invention;

Fig. 6 is a schematic diagram of the architecture composition of the order payment and settlement according to the embodiment of the present invention;

Fig. 7 is a schematic diagram of main modules of an order payment and settlement device according to an embodiment of the present invention;

Fig. 8 is an exemplary system architecture diagram to which the embodiment of the present invention can be applied;

FIG. 9 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.

detailed description

Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

The present invention contemplates that entities responsible for collecting, analyzing, disclosing, transmitting, storing or otherwise using such Personal Information data will adhere to established privacy policies and/or privacy practices. Specifically, such entities shall implement and adhere to privacy policies and practices that are recognized as meeting or exceeding industry or government requirements for maintaining the privacy and security of personal information data. Such policies should be easily accessible to users and should be updated as data collection and/or use changes. Personal information from users should be collected for the entity's lawful and reasonable uses and not shared or sold outside of those lawful uses. In addition, such collection/sharing should be done after receiving informed consent from users. In addition, such entities should consider taking any necessary steps to safeguard and secure access to such Personal Information Data and to ensure that others who have access to Personal Information Data comply with their privacy policies and procedures. In addition, such entities may subject themselves to third-party assessments to demonstrate compliance with widely accepted privacy policies and practices. In addition, policies and practices should be tailored to the specific types of personal information data collected and/or accessed, and to applicable laws and standards including jurisdiction-specific considerations. For example, in the United States, the collection or acquisition of certain health data may be governed by federal and/or state laws, such as the Health Insurance Portability and Accountability Act (HIPAA); while health data in other countries may be subject to other regulations and policies and should be dealt with accordingly. Therefore, different privacy practices should be maintained in each country for different types of personal data.

Notwithstanding the foregoing, the present invention also contemplates embodiments in which a user selectively blocks the use or access of personal information data. That is, the present invention contemplates that hardware elements and/or software elements may be provided to prevent or prevent access to such personal information data. For example, with respect to accessing or storing health information, the technology of the present invention may be configured to allow users to choose to "opt in" or "opt out" of the collection of personal information data during registration for the service or at any time thereafter. In another example, a user may choose not to provide certain types of health-related information. In yet another example, the user may choose to limit the length of time the health-related information is maintained or disable storage of the health-related information entirely. In addition to providing "opt-in" and "opt-out" options, the present invention contemplates providing notices related to access or use of personal information. For example, users can be notified that their personal information data will be accessed when downloading an application, and then reminded again just before personal information data is accessed by the application.

Furthermore, it is an object of the present invention that personal information data should be managed and processed to minimize the risk of unintentional or unauthorized access or use. Risk is minimized by limiting data collection and deleting data once it is no longer needed. Additionally, and when applicable, including in certain health-related applications, data de-identification may be used to protect user privacy. By removing specific identifiers (e.g., date of birth, etc.), controlling the amount or specificity of data stored (e.g., collecting location data at the city level rather than at the address level), controlling how data is stored (e.g., , aggregate data across users), and/or other methods to facilitate de-identification.

At present, for large-scale equipment items, on the one hand, due to the complexity and professionalism of their use, the transaction process of the items includes not only delivery, but also services such as installation, commissioning, and acceptance, so it is not suitable to pay the full amount of the goods at one time On the other hand, because the transaction amount of such equipment is usually relatively large, the existing online transaction rules can only be settled by merchants after full payment, which affects the capital turnover efficiency of merchants and brings merchants A certain amount of financial pressure. The use of traditional offline transactions not only increases the cost of daily management and transactions for users and merchants, but also is not conducive to the extraction, statistics and analysis of transaction information. That is to say, there is currently no efficient transaction method for such items that can meet the demands of users and merchants at the same time, and cannot well satisfy practical applications.

In order to solve the above-mentioned problems existing in the prior art, the present invention proposes a method for order payment and settlement, which generates a batch payment order including multiple payment nodes according to the user's order request; according to the user's payment request, when the When checking and accepting the settlement node, check and settle the merchant; when obtaining the balance settlement node, perform balance settlement to the merchant. The method provided by the embodiment of the present invention not only supports online payment and settlement, satisfies the demand of the client for batch payment, but also supports the advance settlement of part of the payment for the merchant at a specific payment node, which solves the problem of merchant capital turnover , reducing the financial pressure of merchants and ensuring the rights and interests of merchants.

Fig. 1 is a schematic diagram of the main flow of the method for order payment and settlement according to an embodiment of the present invention. As shown in Fig. 1 , the method for order payment and settlement in the embodiment of the present invention includes the following steps S101 to S104.

Step S101 , generate a batch payment order according to the received order request, and the batch payment order includes a plurality of payment nodes, and the payment nodes include an acceptance settlement node and a balance settlement node.

Specifically, due to the complexity and professionalism of online transactions based on certain items, the transaction of items is often not only the main link of delivery and delivery, but the merchant also needs to provide users with follow-up services, such as installation, Debugging, acceptance, etc. In order to ensure the quality of these services, usually in the early stage of transaction establishment, users and merchants negotiate on the specific payment transaction rhythm of transaction items (trade items), and divide the transaction payment process of transaction items into several payment nodes, which can mainly include deposits Payment, acceptance payment, acceptance settlement, balance payment, balance settlement and other payment nodes may also mainly include payment nodes such as deposit payment, installation and commissioning payment, acceptance payment, acceptance settlement, balance payment, and balance settlement. There is no specific limitation in the example.

According to an embodiment of the present invention, generating a batch payment order according to the received order request includes: obtaining item information of the order to be generated according to the received order request; In the case of paying for the identified item, it is determined that the type of the order to be generated is a batch payment order; according to the item information and payment rules, a batch payment order is generated.

Specifically, when a user sends an order request through the online transaction platform, an order request with a batch payment identifier is sent for purchased items that support and require batch payment, and the online transaction platform obtains the corresponding order request according to the received order request. Item information; in the case that the item information includes the batch payment identifier, check and review is performed to determine that the type of the order to be generated is a batch payment order.

According to another embodiment of the present invention, generating batch payment orders according to the item information and payment rules includes: selecting batch payment order templates that meet the payment rules from a preset batch payment order template set ; Obtain user information according to the order request; generate a batch payment order according to the user information, the item information and the selected batch payment order template.

Specifically, as mentioned above, in the early stage of transaction establishment, users and merchants negotiate on the specific payment transaction rhythm of transaction items, clarify the specific payment nodes involved in this transaction, and the payment amount corresponding to each payment node accounts for the transaction item The percentage of the total amount, and the planned payment completion time corresponding to each payment node, establish the payment rules for this transaction. When the user makes an online order request, the online trading platform will guide the merchant to set the payment rules when it recognizes that the order request is a batch payment order, and after the user's review, determine the specific payment rhythm of this transaction and generate a batch payment Order. Of course, the setting of the payment rules can also be set by the user and implemented after being reviewed by the merchant, which is not limited in the embodiment of the present invention.

Specifically, the payment rules can be set through options on the page. The specific batch quantity set is the payment node, the payment ratio corresponding to each payment node, the planned payment completion time of each payment node, and the performance of each payment node. Content (delivery after payment, settlement after payment, etc.), basic information of purchased items (specifications, quantity, price, etc.), and batch payment signs.

In addition, in order to generate batch payment orders more conveniently, merchants can preset a set of commonly used batch payment order templates in advance according to the historical transaction information of transaction items. Select the batch payment order template that meets the payment rules from the order template set, and combine the user information and transaction product information in the order request to conveniently and quickly generate the batch payment order for this transaction.

Fig. 2 is a schematic diagram of the main process of generating batch payment orders according to the embodiment of the present invention. The user submits an order request including the batch payment logo through the online trading platform; the online trading platform reviews the order request, and when it recognizes the batch payment logo, guides the merchant or user to pay for the items that need to be paid in batches Set the payment rules; the order system generates orders including batch payment orders, splits the orders into batch payment orders and ordinary orders for storage, and marks the batch payment orders so that the orders can be transmitted to the ledger system , the ledger system determines the receivable ledger of each payment node according to the batch payment order.

Through the establishment of the above batch payment order, the user's online batch payment appeal is satisfied, and the online transaction of items in the embodiment of the present invention is promoted.

Step S102, in response to the user's payment request, acquire the payment node corresponding to the payment request.

Specifically, the payment node of the batch payment order in the embodiment of the present invention has a sequence number, and the sequence number of the payment node is the payment sequence, and the online payment is paid according to the sequence number of the payment node. Based on the batch payment order generated above, the user can obtain the total amount of items, the payment nodes included in the item transaction and the corresponding payment sequence, the payment ratio of each payment node, the payment amount corresponding to each payment ratio, and the payment amount for each payment through the payment page. The planned payment completion time corresponding to the node, and the current payment status (completed or pending payment node). The user clicks "go to pay" on the payment page to send a payment request to the online transaction platform, and the online transaction platform obtains the payment order and current payment status of the batch payment order according to the payment request, and assigns the first serial number in the payment node to be completed As the payment node of this payment request, the online payment is made. The ledger, capital account, and accounting system of the online trading platform perform verification and write-off according to the received payment, and update the actual receivable and payment information in the batch payment order, as well as the account statement information.

Fig. 3 is a schematic diagram of the main flow of online payment according to the embodiment of the present invention. In response to the user's payment request, the cash register of the online trading platform executes the corresponding payment, receives the payment, and sends the payment information to the ledger, capital account and accounting system for verification and update of batch payment orders The actual receivables, payment arrival information, and account statement information in the account.

According to an embodiment of the present invention, the payment node further includes a delivery node; the method further includes: if the payment node is a delivery node, judging whether the user's payment amount satisfies the payment rule , and when the payment rules are met, the merchant is prompted to deliver the goods.

Specifically, based on the payment rules for batch payment items, it is set that when the user's payment amount reaches the preset delivery deposit amount, the merchant will perform delivery. As an important link in the transaction, delivery performance is generally a payment node that needs to be completed in the early stage of the transaction. The delivery node is defined by setting the payment in the performance content of a payment node and then delivering the goods. When executing the delivery node, it is necessary to judge whether the received user payment amount meets the payment rules, and if so, send a delivery reminder to the merchant.

Fig. 4 is a schematic diagram of the main process flow of delivery fulfillment in the embodiment of the present invention. Based on the generated batch payment order, the online trading platform sends the batch payment order to the merchant on the one hand, and monitors the current payment node of the batch payment order, and updates the status of the batch payment order when entering the delivery node. Waiting for delivery. When the merchant receives the batch payment order and the status of the batch payment order is waiting for delivery, the merchant obtains the payment information from the platform's accounting system, checks and confirms that the user's payment amount meets the delivery requirements in the payment rules, and then proceeds to send Cargo performance; update the order status to the item has been shipped out of the warehouse, and send the updated order status to the management background of the platform to update the status of the batch payment order in the platform's order system synchronously.

Through the above-mentioned delivery node, the delivery performance of the transaction item is realized according to the payment amount, avoiding the limitation of the existing delivery mode of full payment.

Step S103 , in the case that the payment node is an acceptance settlement node, conduct acceptance settlement to the merchant according to the received payment, the received payment including the acceptance payment.

According to an embodiment of the present invention, the acceptance check and settlement node is triggered in the following manner: in response to receiving the acceptance document of the batch payment order, sending a payment request for the acceptance payment of the batch payment order to the user; In response to receiving the acceptance payment, the acceptance settlement node is triggered.

Specifically, in order to guarantee the merchant's rights and interests to the greatest extent on the basis of transaction performance, comprehensively consider the transaction habits of the items in the embodiment of the present invention, and set the acceptance settlement node. Generally, the acceptance of trading products includes several functional indicators. In the initial stage of the transaction, the user and the merchant agree on the acceptance document, so that the user can record and check during the acceptance process to determine whether the acceptance is passed. The acceptance document can be completed by the user, or It can be completed by the merchant after being sorted out and confirmed by the user. According to the set payment rules, the online trading platform will confirm that the items have passed the acceptance according to the acceptance documents received in batches of payment orders, so as to send the user a request for payment of the acceptance payment; after the user confirms the acceptance and pays the acceptance payment, the platform will The acceptance check triggers the check and settlement node, checks and settles the merchant, and settles the received payment or part of the payment to the merchant. The settlement ratio is determined by the payment rules.

Fig. 5 is a schematic diagram of the main process executed by the acceptance settlement node according to the embodiment of the present invention. The management background of the online trading platform receives the acceptance documents and sends a payment request for the acceptance payment to the user. After receiving the acceptance payment, it bills the merchant through the account billing system for settlement according to the received acceptance payment.

Through the setting of the above-mentioned acceptance and settlement node, the consumption caused by the return and refund operation of the goods due to the quality problem in the early stage is avoided. On the basis of the guarantee of the transaction, a pre-settlement is carried out for the merchant, which effectively relieves the financial pressure of the merchant.

Step S104, if the payment node is a balance settlement node, perform balance settlement to the merchant according to all unsettled funds.

Generally, after the above acceptance and settlement node is completed, the subsequent payment node is the payment and settlement of the balance. When the balance calculation node is executed, the balance settlement is performed to the merchant according to all the unsettled funds. Of course, multiple settlement and payment nodes can also be set after the acceptance settlement node of the payment rule, and then follow-up settlement is performed according to the set calculation and payment nodes, which is not limited in the embodiment of the present invention.

According to an embodiment of the present invention, the method further includes: monitoring the execution result of each payment node included in the batch payment order; updating the status and remaining pending payment of the batch payment order according to the execution result Payment: According to the status of the batch payment order and the remaining items to be paid, a payment prompt message is generated and sent to the user.

Specifically, during the entire transaction process, the online trading platform monitors the execution results of each payment node in the order, updates the status of the order, writes off receivables, and remaining pending payments based on the execution results of each payment node , in order to show users and merchants the current status of the order, the payment node that has been executed, the amount paid, and the payment node to be executed and the amount to be paid. In addition, the online trading platform sends payment reminder messages and related transaction information to users in a timely manner according to the planned payment completion time of the payment node and the remaining pending payment in the payment rules, so as to reduce overdue.

According to an embodiment of the present invention, the balance settlement node has a time attribute; the method further includes: in response to receiving the acceptance payment, recording the completion time of the acceptance settlement node; according to the acceptance settlement node Completion time, update the latest execution time of the balance settlement node.

Specifically, considering that the actual completion time of the payment node may not match the planned completion time, especially the uncertainty in the acceptance process, which will affect the actual completion time of the acceptance settlement node, so the online trading platform completes the payment node. , record the actual payment time of each payment node, and update the planned completion time of subsequent balance settlement nodes and other payment nodes in turn according to the actual payment completion time of the acceptance settlement node, which is the latest execution time, so that the platform can accurately manage And prompt the collection time of the remaining payment.

Fig. 6 is a schematic diagram of the architecture composition of the order payment and settlement according to the embodiment of the present invention. From the bottom to the top of the architecture, it includes the bottom system layer, business data layer, application service layer and business presentation layer. The underlying system layer mainly includes the item system for managing items, the merchant system for docking and serving merchants, the transaction system for providing transactions, the order system for generating and managing orders, the billing system and settlement system for billing and settlement according to orders, Ledgers, capital accounts, and accounting systems related to fund management. The business data layer mainly obtains business data through the underlying system, mainly including master data information of transaction items, order data information, billing data information, settlement data information, ledger fund account data information, and accounting data information. The application service layer is mainly based on the business data acquired by the underlying system for processing and management, including the setting of batch payment rules, identification of batch payment orders, execution of batch payments according to the generated batch payment orders, and the fund management system according to the receipt Information can be used to write off batches of orders in batches, timely remind transactions according to the order status, and manage acceptance and settlement. The business presentation layer provides a platform for business applications to front-end users, back-end merchants and operators to realize payment and settlement operations for online orders.

Through the payment and settlement method of the above order, it not only realizes online payment and settlement, but also satisfies the batch payment appeal of the user terminal, and solves the problem of merchant capital turnover through the settlement of part of the payment for the merchant at a specific payment node. It reduces the financial pressure of merchants, guarantees the rights and interests of merchants, and can better meet the needs of practical applications.

Fig. 7 is a schematic diagram of main modules of an order payment and settlement device according to an embodiment of the present invention. As shown in FIG. 7 , the device 700 for order payment and settlement mainly includes an order generation module 701 , a payment node acquisition module 702 , an acceptance settlement node execution module 703 and a balance settlement node execution module 704 .

The order generation module 701 is configured to generate a batch payment order according to the received order request, the batch payment order includes a plurality of payment nodes, and the payment nodes include acceptance settlement nodes and balance settlement nodes;

A payment node obtaining module 702, configured to obtain a payment node corresponding to the payment request in response to the user's payment request;

The check and settlement node execution module 703 is used to perform check and settlement for the merchant according to the received payment when the payment node is the check and acceptance settlement node, and the received payment includes the check and acceptance payment;

The balance settlement node execution module 704 is used for performing balance settlement to merchants according to all unsettled funds when the payment node is a balance settlement node.

According to an embodiment of the present invention, the order generating module 701 may also be configured to: acquire item information of the order to be generated according to the received order request; include items with batch payment identifiers in the item information In the case of , it is determined that the type of the order to be generated is a batch payment order; according to the item information and payment rules, a batch payment order is generated.

According to another embodiment of the present invention, the order generation module 701 can also be used to: select a batch payment order template that meets the payment rules from the preset batch payment order template set; A single request is made to obtain user information; and a batch payment order is generated according to the user information, the item information and the selected batch payment order template.

According to yet another embodiment of the present invention, the payment node also includes a delivery node; the device 700 for order payment and settlement further includes a delivery node execution module (not shown in the figure), configured to: In the case of a delivery node, it is judged whether the payment amount of the user satisfies the payment rule, and if the payment rule is met, the merchant is prompted to deliver the goods.

According to yet another embodiment of the present invention, the acceptance settlement node is triggered in the following manner: in response to receiving the acceptance document of the batch payment order, sending a payment request for the acceptance payment of the batch payment order to the user ; In response to receiving the acceptance payment, trigger the acceptance settlement node.

According to an embodiment of the present invention, the balance settlement node has a time attribute; the order payment settlement device 700 also includes a time update module (not shown in the figure), configured to: respond to receiving the acceptance payment , record the completion time of the acceptance settlement node; update the latest execution time of the balance settlement node according to the completion time of the acceptance settlement node.

According to another embodiment of the present invention, the device 700 for order payment and settlement further includes a transaction prompt module (not shown in the figure), configured to: monitor the execution result of each payment node included in the batch payment order; According to the execution result, the status of the batch payment order and the remaining items to be paid are updated; according to the status of the batch payment order and the remaining items to be paid, a payment prompt message is generated and sent to the user.

Fig. 8 is an exemplary system architecture diagram to which the embodiment of the present invention can be applied.

As shown in FIG. 8 , a system architecture 800 may include terminal devices 801 , 802 , and 803 , a network 804 and a server 805 . The network 804 is used as a medium for providing communication links between the terminal devices 801 , 802 , 803 and the server 805 . Network 804 may include various connection types, such as wires, wireless communication links, or fiber optic cables, among others.

Users can use terminal devices 801, 802, 803 to interact with server 805 through network 804 to receive or send messages and the like. Various communication client applications can be installed on the terminal devices 801, 802, and 803, such as order payment and settlement applications (just for example).

The terminal devices 801, 802, and 803 may be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

The server 805 may be a server that provides various services, such as a background management server that provides support for order payment and settlement performed by users using the terminal devices 801, 802, and 803 (just an example). The background management server can generate a batch payment order according to the received order request, and the batch payment order includes a plurality of payment nodes, and the payment node includes an acceptance settlement node and a balance settlement node; in response to the user's payment request , to obtain the payment node corresponding to the payment request; in the case that the payment node is an acceptance settlement node, check and settle the merchant according to the received payment, and the received payment includes the acceptance payment; in the When the payment node is a balance settlement node, according to all unsettled funds, the merchant performs balance settlement and other processing, and feeds back the processing results (such as settlement results, etc. - just an example) to the terminal device.

It should be noted that the method for order payment and settlement provided by the embodiment of the present invention is generally executed by the server 805 , and correspondingly, the device for order payment and settlement is generally set in the server 805 .

It should be understood that the numbers of terminal devices, networks and servers in FIG. 8 are only illustrative. According to the implementation needs, there can be any number of terminal devices, networks and servers.

Referring now to FIG. 9 , it shows a schematic structural diagram of a computer system 900 suitable for implementing a terminal device or a server according to an embodiment of the present invention. The terminal device or server shown in FIG. 9 is only an example, and should not limit the functions and application scope of this embodiment of the present invention.

As shown in FIG. 9 , a computer system 900 includes a central processing unit (CPU) 901 that can be programmed according to a program stored in a read-only memory (ROM) 902 or a program loaded from a storage section 908 into a random-access memory (RAM) 903 Instead, various appropriate actions and processes are performed. In the RAM 903, various programs and data necessary for the operation of the system 900 are also stored. The CPU 901 , ROM 902 , and RAM 903 are connected to each other via a bus 904 . An input/output (I/O) interface 905 is also connected to the bus 904 .

The following components are connected to the I/O interface 905: an input section 906 including a keyboard, a mouse, etc.; an output section 907 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker; a storage section 908 including a hard disk, etc. and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the Internet. A drive 910 is also connected to the I/O interface 905 as needed. A removable medium 911 such as a magnetic disk, optical disk, magneto-optical disk, semiconductor memory, etc. is mounted on the drive 910 as necessary so that a computer program read therefrom is installed into the storage section 908 as necessary.

In particular, according to the disclosed embodiments of the present invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the disclosed embodiments of the present invention include a computer program item, which includes a computer program carried on a computer-readable medium, where the computer program includes program codes for executing the methods shown in the flowcharts. In such an embodiment, the computer program may be downloaded and installed from a network via communication portion 909 and/or installed from removable media 911 . When this computer program is executed by a central processing unit (CPU) 901, the above-described functions defined in the system of the present invention are performed.

It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, electrical connections with one or more wires, portable computer diskettes, hard disks, random access memory (RAM), read-only memory (ROM), erasable Programmable read only memory (EPROM or flash memory), optical fiber, portable compact disk read only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the described. In the present invention, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present invention, however, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, in which computer-readable program codes are carried. Such propagated data signals may take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the described. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium, which can send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device. . Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the described.

The flowchart and block diagrams in the Figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program items according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, program segment, or portion of code that contains one or more logic devices for implementing the specified Executable instructions for a function. It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or they may sometimes be executed in the reverse order, depending upon the functionality involved. It should also be noted that each block in the block diagrams or flowchart illustrations, and combinations of blocks in the block diagrams or flowchart illustrations, can be implemented by a dedicated hardware-based system that performs the specified function or operation, or can be implemented by a A combination of dedicated hardware and computer instructions.

The units involved in the description in the embodiments of the present invention may be implemented by means of software or by means of hardware. The described unit can also be set in a processor, for example, it can be described as: a processor includes: an order generation module, a payment node acquisition module, an acceptance settlement node execution module, and a balance settlement node execution module.

Among them, the names of these modules do not constitute a limitation on the module itself under certain circumstances. For example, the payment node acquisition module can also be described as "used to obtain the payment corresponding to the payment request in response to the user's payment request." node's module".

On the other hand, the present invention also provides a computer-readable medium. The computer-readable medium may be included in the device described in the embodiments, or it may exist independently without being assembled into the device. The computer-readable medium carries one or more programs, and when the one or more programs are executed by the device, the device includes: generating batch payment orders according to the received order request, the The batch payment order includes a plurality of payment nodes, and the payment nodes include an acceptance settlement node and a balance settlement node; in response to the user's payment request, obtain the payment node corresponding to the payment request; the payment node is an acceptance settlement node In the case of , check and settle the merchant according to the received payment, the received payment includes the accepted payment; in the case that the payment node is the balance settlement node, according to all unsettled payments, the merchant Make balance settlement.

According to the technical solution of the embodiment of the present invention, it has the following advantages or beneficial effects: By generating a batch payment order according to the received order request, the batch payment order includes a plurality of payment nodes, and the payment node includes an acceptance settlement node and a balance Settlement node; in response to the user's payment request, obtain the payment node corresponding to the payment request; in the case that the payment node is an acceptance settlement node, check and settle the merchant according to the received payment, and the received payment includes the acceptance payment; In the case that the payment node is the balance settlement node, according to all the unsettled funds, the technical solution for the balance settlement to the merchant realizes the generation of batch payment orders including multiple payment nodes according to the user's order request; According to the user's payment request, when the acceptance settlement node is obtained, the acceptance settlement is performed for the merchant; when the balance settlement node is obtained, the balance settlement is performed for the merchant. The method provided by the embodiment of the present invention not only supports online payment and settlement, satisfies the demand of the client for batch payment, but also supports the advance settlement of part of the payment for the merchant at a specific payment node, which solves the problem of merchant capital turnover , reducing the financial pressure of merchants and ensuring the rights and interests of merchants.

The specific implementation methods are not intended to limit the protection scope of the present invention. It should be apparent to those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent replacements and improvements made within the spirit and principles of the present invention shall be included within the protection scope of the present invention.

Claims (10)

1. A method for settlement of an order payment, comprising:

generating a batch payment order according to a received order placing request, wherein the batch payment order comprises a plurality of payment nodes, and the payment nodes comprise an acceptance settlement node and a remainder settlement node;

responding to a payment request of a user, and acquiring a payment node corresponding to the payment request;

under the condition that the payment node is an acceptance settlement node, acceptance settlement is carried out on the merchant according to the received money, wherein the received money comprises the acceptance amount;

and under the condition that the payment node is a surplus settlement node, performing surplus settlement on the merchant according to all unsettled money.

2. The method of claim 1, wherein generating a batch payment order based on the received order placement request comprises:

acquiring the item information of the order to be generated according to the received order placing request;

determining the type of the order to be generated as a batch payment order under the condition that the item information comprises an item with a batch payment identifier;

and generating a batch payment order according to the article information and the payment rule.

3. The method of claim 2, wherein generating a batch payment order based on the item information and payment rules comprises:

selecting batch payment order templates meeting the payment rules from a preset batch payment order template set;

acquiring user information according to the ordering request;

and generating a batch payment order according to the user information, the article information and the selected batch payment order template.

4. The method of claim 3, wherein the payment node further comprises a shipping node;

the method further comprises the following steps:

and under the condition that the payment node is a delivery node, judging whether the payment amount of the user meets the payment rule, and under the condition that the payment rule is met, prompting a merchant to deliver the product.

5. The method according to claim 1, characterized in that the acceptance settlement node is triggered by:

in response to receiving an acceptance file for the batch payment order, sending an acceptance payment request for the batch payment order to the user;

and triggering the acceptance settlement node in response to receiving the acceptance amount.

6. The method of claim 5, wherein the remainder settlement node has a time attribute;

the method further comprises the following steps:

in response to receiving the amount of checkout payment,

recording the completion time of the acceptance settlement node;

and updating the latest execution time of the residual settlement node according to the completion time of the acceptance settlement node.

7. The method of claim 1, further comprising:

monitoring an execution result of each payment node included in the batch payment order;

updating the state of the batch payment orders and the remaining to-be-paid money according to the execution result;

and generating a payment prompt message and sending the payment prompt message to the user according to the state of the batch payment orders and the residual payment to be paid.

8. An apparatus for settlement of an order payment, comprising:

the order generation module is used for generating batch payment orders according to the received order placing requests, wherein the batch payment orders comprise a plurality of payment nodes, and the payment nodes comprise acceptance settlement nodes and surplus settlement nodes;

the payment node acquisition module is used for responding to a payment request of a user and acquiring a payment node corresponding to the payment request;

the acceptance settlement node execution module is used for carrying out acceptance settlement on the merchant according to the received money under the condition that the payment node is an acceptance settlement node, wherein the received money comprises an acceptance amount;

and the residual settlement node execution module is used for carrying out residual settlement on the merchants according to all unsettled money under the condition that the payment node is the residual settlement node.

9. A mobile electronic device terminal, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.

10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.

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