CN113763141B

CN113763141B - A settlement method, device, electronic device and storage medium

Info

Publication number: CN113763141B
Application number: CN202110185155.7A
Authority: CN
Inventors: 彭公华
Original assignee: Beijing Jingdong Century Trading Co Ltd; Beijing Wodong Tianjun Information Technology Co Ltd
Current assignee: Beijing Jingdong Century Trading Co Ltd; Beijing Wodong Tianjun Information Technology Co Ltd
Priority date: 2021-02-10
Filing date: 2021-02-10
Publication date: 2024-07-16
Anticipated expiration: 2041-02-10
Also published as: CN113763141A

Abstract

The embodiment of the invention provides a settlement method, a settlement device, electronic equipment and a storage medium, wherein the settlement method comprises the following steps: if a transaction settlement request of a target transaction is detected, determining settlement configuration information of the target transaction, a transaction type of the target transaction and a service type of the target transaction based on the transaction settlement request; the settlement configuration information is used for representing settlement contents agreed between the service technology provider and the target merchant; determining a reference settlement item based on the transaction type and the service type; determining a target settlement item based on the settlement configuration information and the reference settlement item; determining settlement account information based on the target settlement item and the target transaction; and executing a first settlement operation corresponding to the transaction type based on the settlement account information.

Description

Settlement method and device, electronic equipment and storage medium

Technical Field

The present invention relates to, but not limited to, the field of computers, and in particular, to a settlement method, apparatus, electronic device, and storage medium.

Background

With the rapid development of internet technology, various internet applications are widely used. Application providers can offer various shopping facilities to merchants and users through developed applications. With the increasing and changing demands of users, the service types of applications provided by application program providers are also greatly enriched, for example, transaction services such as life service type, travel type, communication service type, game entertainment type, video service type, knowledge service type, member service type, etc. can be provided in the same application program.

However, at present, the settlement processes of providing forward settlement and reverse settlement services with merchants for different business service types in the same application program are realized by independent business systems, so that the current settlement systems of different businesses cannot be mutually compatible and have poor expandability due to the adoption of different system architectures and different interface services among different business systems.

Disclosure of Invention

The embodiment of the invention provides a settlement method, a settlement device, electronic equipment and a storage medium, which are used for solving the problems that the existing settlement systems of different services cannot be mutually compatible and the expandability is poor.

The technical scheme of the embodiment of the invention is realized as follows:

In a first aspect, a settlement method, the method comprising:

If a transaction settlement request of a target transaction is detected, determining settlement configuration information of the target transaction, a transaction type of the target transaction and a service type of the target transaction based on the transaction settlement request; the settlement configuration information is used for representing settlement contents agreed between the service technology provider and the target merchant;

determining a reference settlement item based on the transaction type and the service type;

determining a target settlement item based on the settlement configuration information and the reference settlement item;

determining settlement account information based on the target settlement item and the target transaction;

and executing a first settlement operation corresponding to the transaction type based on the settlement account information.

Optionally, before determining the target settlement item based on the settlement configuration information and the reference settlement item, the method further comprises:

Acquiring settlement state information of the target transaction;

Correspondingly, the determining the target settlement item based on the settlement configuration information and the reference settlement item comprises the following steps:

And if the settlement state information is the target state information, carrying out matching processing on the reference settlement item based on the settlement configuration information to obtain the target settlement item.

Optionally, before the acquiring the settlement state information of the target transaction, the method further includes:

if the transaction type is a forward settlement type, acquiring transaction state information of the target transaction;

correspondingly, the acquiring settlement state information of the target transaction includes:

and if the transaction state information is that the transaction is completed, acquiring settlement state information of the target transaction.

Optionally, before determining the reference settlement item based on the transaction type and the service type, the method further includes:

if the transaction type is a reverse settlement type, acquiring settlement record information aiming at the target transaction;

correspondingly, the determining a reference settlement item based on the transaction type and the service type comprises:

and if the settlement record information is forward settlement success record information, acquiring at least one preset settlement item corresponding to the service type under the reverse settlement type, and obtaining the reference settlement item.

Optionally, the determining the target settlement item based on the settlement configuration information and the reference settlement item includes:

if the reference settlement item comprises at least one configuration item, acquiring at least one preset settlement factor corresponding to the reference settlement item; the preset settlement factor is a pre-stored minimum calculation unit for scripting the target format;

Obtaining a target settlement factor based on the settlement configuration information and the at least one preset settlement factor; wherein the target settlement item includes the target settlement factor.

Optionally, the method further comprises:

And if the target settlement item is empty, generating alarm prompt information.

Optionally, after the performing the first settlement operation corresponding to the transaction type based on the settlement account information, the method further includes:

Determining a first execution result of executing the first settlement operation;

And if the first execution result is that the first settlement operation is successfully executed, updating the settlement record information of the target transaction into successful record information corresponding to the transaction type.

Optionally, the method further comprises:

If the first execution result is that the first settlement operation fails to be executed, updating settlement record information of the target transaction into failure record information corresponding to the transaction type, and starting a timer to start timing;

if the timer counts the preset duration, detecting whether the second settlement operation corresponding to the transaction type of the target transaction is successfully executed, and obtaining a second execution result;

If the second execution result is that the second settlement operation is successfully executed, updating settlement record information of the target transaction into successful record information corresponding to the transaction type, and closing the timer to stop timing;

If the second execution result is that the second settlement operation fails to execute, updating settlement record information of the target transaction into failure record information corresponding to the transaction type, resetting the timer and then starting timing;

if the timer counts the preset duration, detecting whether the third settlement operation corresponding to the transaction type of the target transaction is successfully executed, repeating the steps until the settlement record information of the target transaction is updated to be successful record information corresponding to the transaction type, and closing the timer to stop counting.

Optionally, the method further comprises:

if the current time is detected to be the target account period, acquiring a settlement list corresponding to the target merchant in the current target account period; the target account period is the date of acquiring an invoice appointed by the target merchant, and the settlement list comprises the settlement account information;

Generating audit information and displaying the audit information based on the settlement list;

if a control message for indicating that the verification passes is received, acquiring invoice requirement information corresponding to the target merchant;

and printing invoice contents corresponding to the target merchant based on the invoice requirement information and the settlement list.

In a second aspect, a settlement apparatus includes a first determination unit and an execution unit; wherein:

The first determining unit is configured to determine, if a transaction settlement request of a target transaction is detected, settlement configuration information of the target transaction, a transaction type of the target transaction, and a service type of the target transaction based on the transaction settlement request; the settlement configuration information is used for representing settlement contents agreed between the service technology provider and the target merchant;

the first determining unit is further configured to determine a reference settlement item based on the transaction type and the service type;

the first determining unit is further configured to determine a target settlement item based on the settlement configuration information and the reference settlement item;

the first determining unit is further configured to determine settlement account information based on the target settlement item and the target transaction;

the execution unit is used for executing a first settlement operation corresponding to the transaction type based on the settlement account information.

In a third aspect, an electronic device, the electronic device comprising: a processor, a memory, and a communication bus; wherein:

The communication bus is used for realizing communication connection between the processor and the memory;

The processor is configured to run a settlement program stored in the memory, so as to implement the following steps:

In a fourth aspect, a storage medium stores executable instructions that, when executed, are operable to cause a processor to perform the settlement method of any one of the preceding claims.

The embodiment of the invention has the following beneficial effects: according to the settlement configuration information, a corresponding target settlement item is determined from reference settlement items corresponding to the transaction types and the service types, and then based on the target settlement item and the target transaction, corresponding calculation account information is determined to be obtained so as to carry out a first settlement operation corresponding to the transaction types.

If a transaction settlement request of a target transaction is detected, determining settlement configuration information of the target transaction, a transaction type of the target transaction and a service type of the target transaction based on the transaction settlement request, determining a reference settlement item based on the transaction type and the service type, determining a target settlement item based on the settlement configuration information and the reference settlement item, determining settlement account information based on the target settlement item and the target transaction, and executing a first settlement operation corresponding to the transaction type based on the settlement account information; in this way, the target settlement items corresponding to the settlement configuration information are determined from the corresponding reference settlement items, and then the corresponding settlement account information is determined according to the target settlement items so as to perform the first settlement operation, so that the problems that the settlement systems of different current services cannot be compatible with each other and the expandability is poor are solved, the same settlement items can be used by different services, the expandability of the settlement items is improved, the operation management of the background is effectively standardized, and the operation support capability is improved.

Drawings

Fig. 1 is a schematic flow chart of a settlement method according to an embodiment of the present invention;

Fig. 2 is a flow chart of another settlement method according to the embodiment of the invention;

FIG. 3 is a schematic flow chart of a settlement method according to an embodiment of the present invention;

fig. 4 is a flow chart of a settlement method according to another embodiment of the invention;

FIG. 5 is a flow chart of another settlement method according to another embodiment of the invention;

FIG. 6 is a flow chart of a settlement method according to another embodiment of the present invention;

Fig. 7 is a flow chart of a settlement method according to another embodiment of the present invention;

FIG. 8 is a flow chart of another settlement method according to another embodiment of the invention;

fig. 9 is a schematic structural diagram of a settlement system for implementing a settlement algorithm according to an embodiment of the present invention;

fig. 10 is a schematic flow chart of implementing forward settlement according to an embodiment of the present invention;

Fig. 11 is a schematic diagram of monitoring when settlement fails based on forward direction according to an embodiment of the present invention;

fig. 12 is a schematic flow chart of implementing reverse settlement according to an embodiment of the present invention;

Fig. 13 is a schematic diagram of monitoring when reverse settlement fails according to an embodiment of the present invention;

Fig. 14 is a schematic diagram of a calculation flow of settlement account information according to an embodiment of the present invention;

fig. 15 is a schematic structural diagram of a settlement device according to the embodiment of the present invention;

Fig. 16 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.

Detailed Description

The present invention will be further described in detail with reference to the accompanying drawings, for the purpose of making the objects, technical solutions and advantages of the present invention more apparent, and the described embodiments should not be construed as limiting the present invention, and all other embodiments obtained by those skilled in the art without making any inventive effort are within the scope of the present invention.

Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The terminology used herein is for the purpose of describing embodiments of the invention only and is not intended to be limiting of the invention.

The embodiment of the invention provides a settlement method which is applied to electronic equipment, and is shown in fig. 1, and the method comprises the following steps:

step 101, if a transaction settlement request of the target transaction is detected, determining settlement configuration information of the target transaction, a transaction type of the target transaction and a service type of the target transaction based on the transaction settlement request.

The settlement configuration information is used for representing settlement contents agreed between the service technology provider and the target merchant.

In the embodiment of the application, the target transaction refers to a transaction operation corresponding to the ordering and shopping of a user on the internet through a shopping application program, wherein the transaction operation comprises three objects: a user, a service technology provider providing technical services for shopping applications, and a target merchant providing services in shopping applications. A service technology provider that provides technical services for shopping applications may be referred to simply as a technology developer. The transaction settlement request is used to effect settlement between the technology developer and the merchant regarding the target transaction. The transaction settlement request is used to indicate settlement with the merchant for the target transaction. The settlement configuration information for the target transaction is used to indicate settlement requirements contracted for the target transaction between the merchant and the technology developer, such as a commission proportion extracted by the technology developer, etc. The transaction types of the target transaction include a forward settlement type and a reverse settlement type, wherein the forward settlement type refers to a transaction paid after the user purchases, and the reverse settlement type refers to a refund transaction sent by the user. The service type of the target transaction refers to the service class to which the target transaction belongs, and the service type may refer to the following classes: living service class (e.g., air ticket, hotel, movie ticket, fuel card, etc.), travel class (e.g., scenic spot ticket, etc.), communication service class (e.g., cell phone recharging, broadband recharging, telephone fee recharging card, etc.), game entertainment class (e.g., web game point card, unary robbery, etc.), video service class (e.g., recharging service of video application, etc.), knowledge service class (e.g., recharging service of novice reading application, etc.), etc. The electronic device may be a server device provided by a technology developer that may be used to provide internet shopping platform services for users and merchants.

Step 102, determining a reference settlement item based on the transaction type and the service type.

In the embodiment of the application, the reference settlement item is a settlement agreement between a technical developer and a merchant, different settlement items are preset for different service types corresponding to different transaction types, and the different settlement items can be a settlement value during direct settlement or a complex settlement parameter obtained by parameters such as settlement proportion.

And step 103, determining a target settlement item based on the settlement configuration information and the reference settlement item.

In the embodiment of the application, the target settlement item for the target transaction is determined according to the settlement configuration information for the target transaction and the rest set reference settlement item corresponding to the target transaction. In some application scenarios, the settlement configuration information may be null, i.e., the merchant has no requirement for the target transaction, and settlement may be directly performed according to a preset reference settlement item, i.e., the target settlement item is the reference settlement item; the target settlement item may be a part of the reference settlement items, and may be obtained by adjusting parameters, such as commission proportion, of some or all of the reference settlement items according to settlement configuration information.

Step 104, determining settlement account information based on the target settlement item and the target transaction.

In the embodiment of the application, the target transaction also comprises the transaction amount, so that the transaction amount in the target transaction can be settled according to the target settlement item to obtain settlement account information.

Step 105, executing a first settlement operation corresponding to the transaction type based on the settlement account information.

In the embodiment of the application, the first settlement operation may divide the corresponding account into the accounts corresponding to the technical developer and the merchant according to the settlement account information, for example, divide the account amount corresponding to the merchant in the settlement account information into the bank account provided by the merchant from the bank account of the technical developer. In some application scenarios, the first settlement operation may further include displaying settlement account information in a display area corresponding to the electronic device, so that a corresponding auditor audits the settlement account information, after receiving an audit message sent by the auditor based on the settlement account information and used for auditing, dividing a corresponding amount of money into a bank account provided by a merchant based on the settlement account information, that is, performing a transfer operation, or sending an amount of money required to be returned by the merchant to the merchant, so that the merchant transfers the corresponding amount of money to an account of a technical opener, so that a corresponding refund is sent to a user, and reverse settlement is achieved. The first settlement operation may further include recording whether the transfer is successful or not for the target transaction after dividing the amount corresponding to the settlement account information into a bank account provided by the merchant or returning the amount corresponding to the settlement account information to the bank account provided by the technical developer by the merchant, so as to perform related operations such as subsequent verification.

According to the settlement method provided by the embodiment of the invention, if a transaction settlement request of a target transaction is detected, after settlement configuration information of the target transaction, a transaction type of the target transaction and a service type of the target transaction are determined based on the transaction request, a reference settlement item is determined based on the transaction type and the service type, a target settlement item is determined based on the settlement configuration information and the reference settlement item, settlement account information is determined based on the target settlement item and the target transaction, and a first settlement operation corresponding to the transaction type is executed based on the settlement account information; in this way, the target settlement items corresponding to the settlement configuration information are determined from the corresponding reference settlement items, and then the corresponding settlement account information is determined according to the target settlement items so as to perform the first settlement operation, so that the problems that the settlement systems of different current services cannot be compatible with each other and the expandability is poor are solved, the same settlement items can be used by different services, the expandability of the settlement items is improved, the operation management of the background is effectively standardized, and the operation support capability is improved.

Based on the foregoing embodiments, an embodiment of the present invention provides a settlement method, which is applied to an electronic device, as shown in fig. 2, and includes:

Step 201, if a transaction settlement request of a target transaction is detected, determining settlement configuration information of the target transaction, a transaction type of the target transaction and a service type of the target transaction based on the transaction settlement request.

In the embodiment of the application, the transaction settlement request of the target transaction can be sent to the electronic equipment by the merchant through the client equipment of the merchant, can be automatically generated in the appointed time between the technical developer and the merchant, and can be executed after the target transaction is detected to be executed or executed at intervals of a period of time.

Taking the transaction settlement request as an example of automatic generation after the electronic equipment detects the target transaction, after the electronic equipment detects the transaction settlement request, determining the target transaction which is an object to be settled and is indicated in the transaction settlement request, determining settlement configuration information corresponding to the target transaction according to the target transaction, and assuming that the current settlement configuration information is empty, the transaction type corresponding to the target transaction is a forward settlement type, and the service type to which the target transaction belongs is a life service type.

Step 202, determining a reference settlement item based on the transaction type and the service type.

In the embodiment of the application, the reference settlement items corresponding to the life service class set under the forward settlement type are determined, and the reference settlement items comprise merchant cost proportion parameters and commission proportion parameters of technical developers.

Step 203, acquiring settlement state information of the target transaction.

In the embodiment of the application, the settlement status information can be forward settlement, non-forward settlement, reverse settlement or non-reverse settlement. The settlement status information of the target transaction can be obtained directly according to settlement record information of the target transaction. Illustratively, the settlement status information for the target transaction is determined to be not settlement forward.

It should be noted that, step 203 may also be performed before step 201 or step 202.

And 204, if the settlement state information is the target state information, performing matching processing on the reference settlement item based on the settlement configuration information to obtain the target settlement item.

In the embodiment of the application, the target state information is not forward settled or not reverse settled. And if the settlement state information is forward settlement or reverse settlement, stopping the subsequent related operation. When the settlement state information is the target state information, adopting the configuration content in the settlement configuration information to perform corresponding replacement or setting processing on the content in the reference settlement item, thereby obtaining the target settlement item conforming to the settlement configuration information. For example, assuming that the settlement configuration information for the target transaction is empty, it may be determined that the target settlement item is the reference settlement item.

Step 205, determining settlement account information based on the target settlement item and the target transaction.

In the embodiment of the application, according to the target settlement item, the payment amount of the user in the target transaction is calculated, and settlement account information is obtained. For example, when the target settlement item is the reference settlement item merchant cost proportion parameter and the commission proportion parameter of the technical developer, calculating the merchant cost proportion parameter and the transaction amount of the target transaction to obtain merchant cost, and calculating the commission proportion parameter of the technical developer and the transaction amount of the target transaction to obtain commission of the technical developer, wherein the sum of the commission of the merchant cost and the technical developer is the transaction amount of the target transaction.

Step 206, executing a first settlement operation corresponding to the transaction type based on the settlement account information.

In the embodiment of the application, after settlement account information is obtained, the settlement account information is recorded, and then the amount corresponding to the cost of the transfer merchant is transferred to the bank account corresponding to the merchant based on the settlement account information, so that the settlement process is realized, and the calculation state information for the target transaction is changed.

Therefore, the settlement items of each business type in the forward settlement scene and the reverse settlement scene are templated in advance, settlement configuration can be carried out according to the transaction, the templated settlement items are modified through the settlement configuration, the settlement efficiency is effectively improved, standard management is realized, the settlement configuration requirements are changed according to actual settlement requirements, the flexibility requirements of the settlement process are ensured, and the settlement efficiency is improved.

In other embodiments of the present application, if the transaction type is a forward settlement type, referring to fig. 3, before the electronic device performs step 203, the electronic device is further configured to perform step 207:

Step 207, if the transaction type is a forward settlement type, acquiring transaction status information of the target transaction.

In an embodiment of the present application, the transaction status information of the target transaction includes that the transaction is completed and that the transaction is not completed. Where transaction completed refers to the user's paid status for the target transaction, and transaction incomplete refers to the user's incomplete paid status for the target transaction.

Correspondingly, step 203 may be implemented by step 203 a:

Step 203a, if the transaction status information is that the transaction is completed, acquiring settlement status information of the target transaction.

In the embodiment of the application, in the forward settlement process, firstly, the transaction state information of the target transaction is checked, then, the settlement state information of the target transaction is obtained when the transaction state information of the target transaction is checked to be completed, and finally, the subsequent forward settlement processing is carried out when the settlement state information is in a non-forward settlement state, thereby effectively ensuring the accuracy of forward settlement and reducing the probability of occurrence of forward settlement errors.

In other embodiments of the present application, if the transaction type is a reverse settlement type, referring to fig. 4, before the electronic device performs step 202, the electronic device is further configured to perform step 208:

Step 208, if the transaction type is a reverse settlement type, acquiring settlement record information for the target transaction.

In the embodiment of the present application, the settlement record information includes: forward settlement success record information, forward settlement failure record information, reverse settlement success record information or reverse settlement failure record information.

Correspondingly, step 202 may be implemented by step 202 a:

Step 202a, if the settlement record information is the forward settlement success record information, acquiring at least one preset settlement item corresponding to the service type under the reverse settlement type, and obtaining a reference settlement item.

In the embodiment of the application, when the transaction type of the target transaction is a reverse settlement type, if the acquired settlement record information of the target transaction is forward outstanding record information, stopping the subsequent related operations. Therefore, for the reverse settlement type, reverse settlement is only carried out after the forward settlement is determined to be successful, the possibility that reverse settlement is carried out without the forward settlement being successful is reduced, the possibility of settlement errors is reduced, and the settlement accuracy is ensured.

In other embodiments of the present application, step 204 may be implemented by steps 204 a-204 b or 204 c. If the reference settlement item includes at least one configuration item, steps 204 a-204 b may be optionally performed:

Step 204a, if the reference settlement item includes at least one configuration item, obtaining at least one preset settlement factor corresponding to the reference settlement item.

The preset settlement factor is a pre-stored minimum calculation unit for scripting the target format.

In the embodiment of the present application, the preset settlement factor may be a complete settlement calculation formula, or a custom field, etc. The method can be specifically realized by adopting groovy scripts, so that direct calling can be realized.

Step 204b, obtaining a target settlement factor based on the settlement configuration information and at least one preset settlement factor.

In the embodiment of the application, some parameters in the acquired at least one preset settlement factor are replaced according to the settlement configuration information, so that the target settlement factor corresponding to the settlement configuration information can be obtained.

Thus, in step 205, the transaction amount in the target transaction may be substituted into the target settlement factor for calculation, so as to obtain the corresponding settlement account information.

Based on the foregoing embodiment, in other embodiments of the present application, after performing step 204 or step 204b, the following steps may be optionally performed: and if the target settlement item is empty, generating alarm prompt information.

In the embodiment of the application, the alarm prompt information can be various types of alarm prompt information, including one type or combination of a plurality of types of characters, sound, light and the like.

Therefore, the universal scripted preset settlement factors can be set, the calculation model can be timely validated, the model modification period is effectively shortened, different preset settlement factors can be freely combined according to actual requirements, settlement logic and service decoupling are easy to realize, and the calculation complexity is effectively reduced.

In other embodiments of the present application, referring to fig. 5 or 6, after the electronic device performs step 206, the electronic device is further configured to perform steps 209 to 215:

Step 209, determining a first execution result of executing the first settlement operation.

In the embodiment of the present application, the first execution result of the first settlement operation includes whether the forward settlement is successful or whether the reverse settlement is successful.

Step 210, if the first execution result is that the first settlement operation is successfully executed, updating the settlement record information of the target transaction to the success record information corresponding to the transaction type.

In an embodiment of the present application, the first settlement operation is successfully performed including a forward settlement success or a reverse settlement success. And when the first execution result is that the forward settlement is successful, updating the settlement record information of the target transaction into the forward settlement successful record information. Similarly, when the first execution result is that the reverse settlement is successful, the settlement record information of the target transaction is updated to be the reverse settlement successful record information.

Step 211, if the first execution result is that the first settlement operation fails to execute, updating the settlement record information of the target transaction to failure record information corresponding to the transaction type, and starting a timer to start timing.

In the embodiment of the application, when the first execution result is forward settlement failure, the settlement record information of the target transaction is updated to forward settlement failure record information, and when the first execution result is reverse settlement failure, the settlement record information of the target transaction is updated to reverse settlement failure record information, and simultaneously, a timer is started and timing is started.

Step 212, if the timer counts the preset time length, detecting whether the second settlement operation corresponding to the transaction type of the target transaction is successfully executed, and obtaining a second execution result.

In the embodiment of the application, the preset time length is a preset time length experience value, and the setting modification can be performed in the actual process.

And step 213, if the second execution result is that the second settlement operation is successfully executed, updating the settlement record information of the target transaction into successful record information corresponding to the transaction type, and closing the timer to stop timing.

Step 214, if the second execution result is that the second settlement operation fails to execute, updating the settlement record information of the target transaction to failure record information corresponding to the transaction type, resetting the timer, and starting to count time.

Step 215, if the timer counts the preset time length, detecting whether the third settlement operation corresponding to the transaction type of the target transaction is successfully executed, repeating the steps until the settlement record information of the target transaction is updated to be successful record information corresponding to the transaction type, and closing the timer to stop counting.

In the embodiment of the application, if the first execution result is that the first settlement operation fails to be executed, detecting whether the settlement operation corresponding to the target transaction is successful or not every preset time period until the settlement operation corresponding to the target transaction is detected to be successful, and updating the settlement record information of the target transaction into the successful record information corresponding to the transaction type.

In other embodiments of the present application, referring to fig. 7 or 8, after the electronic device performs step 206, steps 216 to 219 may also be performed:

and step 216, if the current time is detected to be the target account period, acquiring a settlement list corresponding to the target merchant in the current target account period.

The target account period is the date of acquiring the invoice appointed by the target merchant, and the settlement list comprises settlement account information.

In the embodiment of the application, the target account period is the settlement time agreed between the merchant and the technical developer, and can be determined by taking hours, days, weeks, months, years and the like as the time. The settlement list comprises forward settlement account information and reverse settlement account information in the current target account period.

And step 217, generating audit information and displaying the audit information based on the settlement list.

In the embodiment of the application, the audit information can be an editable settlement list, so that audit personnel can audit the audit information to check whether the settlement account information in the settlement list and the settlement account information in settlement exist or not, and the audit information is convenient to modify correspondingly when the audit information exists or not.

Step 218, if a control message for indicating that the verification passes is received, invoice requirement information corresponding to the target merchant is obtained.

In the embodiment of the application, the invoice requirement information corresponding to the target merchant can be prestored in the storage area of the electronic equipment. The invoice requirement information corresponding to the target merchant may be recorded in a settlement application form as shown in table 1.

Table 1 settlement application form

And 219, printing invoice contents corresponding to the target merchant based on the invoice requirement information and the settlement list.

It should be noted that steps 216 to 219 may also be performed as a separate embodiment, or steps 216 to 219 may also be performed after step 215. In some application scenarios, only the settlement list may be displayed, and no invoice content printing operation is performed. The corresponding print invoice operation may also be performed after receiving the print instruction.

Based on the foregoing embodiments, an embodiment of the present application provides a schematic structural diagram of a settlement system for implementing a settlement method, with reference to fig. 9, including: an order center 31, a refund gateway 32, message middleware 33, a settlement component 34, a settlement system 35, wherein the settlement system 35 comprises: the settlement component 34 includes functionality of a forward settlement interface 351 and a reverse settlement interface 352: a settlement factor, a settlement model, a settlement list, a settlement application form, and the like. The order center is used for storing target transaction information obtained after receiving an order from a user, the refund gateway is used for storing refund operation request information when receiving refund operation applied by the user, the settlement factor can be specifically settlement groovy, the specific storage position of settlement groovy can be obtained through inquiring a settlement list, and the settlement application form can be used for storing contents such as account period and invoice requirement when a merchant performs settlement. The settlement items corresponding to the settlement factors may include settlement commissions, settlement credits, settlement additional Tax (VAT) items, merchant cost items, and settlement processing fees.

Correspondingly, the service line based on the implementation of fig. 9 may be that the order placing information of the user is sent to the order center, or the refund information of the user is stored in the refund gateway, the settlement component obtains the corresponding information from the order center or the refund gateway through the message middleware, performs corresponding settlement to obtain the corresponding settlement account information, then sends the settlement account information to the settlement system through the corresponding forward settlement interface or the reverse settlement interface, and realizes the corresponding settlement operation between the settlement system and the merchant.

The order center, the refund gateway and the settlement interface belong to a Service-oriented architecture (SOA) end, and the message middleware and the settlement component belong to a management control (Manager) end.

Based on the foregoing embodiments, the embodiment of the present application provides a forward settlement method implementation flow, as shown in fig. 10, including the following steps:

Step 41, obtaining a target transaction from an order center.

Step 42, determining the service type of the target transaction, and reading the forward settlement configuration of the target transaction.

Step 43, judging whether there is a reference settlement item for forward settlement and corresponding to the service type, if yes, executing step 44, otherwise executing step 415.

Wherein the reference settlement items can be recorded by using a reference settlement item record table shown in table 2. Each of the settlement items included in the reference settlement item can be represented as a settlement item table in table 3.

Step 44, determining whether the target transaction is completed, if so, executing step 45, otherwise executing step 415.

Step 45, determining whether the target transaction has been settled forward, if not, executing step 46, otherwise executing step 415.

And 46, acquiring settlement configuration information aiming at the target transaction, and carrying out configuration processing on the settlement factors corresponding to the reference settlement items to obtain target settlement items comprising the target settlement factors.

Step 47, determining whether the target settlement item is empty, if not, executing step 48, and if the target calculation direction is empty, executing step 414.

And 48, calculating a settlement item of the target transaction based on the target settlement factor to obtain settlement account information.

Step 49, save the forward settlement record information.

Wherein the forward settlement record information includes settlement account information. In some application scenarios, when the forward settlement record information is stored, recording may be performed according to the forward settlement record table shown in table 4.

Table 2 reference to settlement item record table

Step 410, calling a forward settlement service interface to perform forward settlement on the target transaction.

Step 411, determine whether the forward settlement is successful, if the forward settlement is successful, execute step 412, and if the forward settlement is unsuccessful, execute step 413.

Step 412, update the settlement record information for the target transaction to the forward settlement success record information, and then execute step 415.

Step 413, updating the settlement record information for the target transaction to the forward settlement failure record information, and executing step 415.

And step 414, setting forward settlement abnormality and giving an alarm.

Wherein the alarm may be a UMP alarm.

Step 415, end.

When the settlement record information for the target transaction is the forward settlement failure record information, steps 416 to 419 shown in fig. 11 may be also performed at every predetermined period:

step 416, reading the settlement operation for the target transaction in the forward settlement service interface.

Step 417, determining whether the forward settlement for the target transaction is successful, if the forward settlement is successful, executing step 418, and if the forward settlement is unsuccessful, executing step 419.

Step 418, updating the settlement record information for the target transaction to the forward settlement success record information, and then executing step 415.

Step 419, updating the settlement record information for the target transaction to the forward settlement failure record information, and executing step 415.

TABLE 3 per settlement item form

Table 4 forward record table

Based on the foregoing embodiments, the embodiment of the present application provides a settlement method implementation flow of reverse settlement, referring to fig. 12, including the following steps:

Step 51, obtaining the target transaction from the refund gateway.

Step 52, determining the business type of the target transaction and reading the reverse settlement configuration of the target transaction.

Step 53, judging whether there is a forward settlement success record information for the target transaction, if there is a forward settlement success record information, executing step 54, otherwise executing step 515.

Step 54, determining whether there is a reference settlement term corresponding to the service type for reverse calculation, if so, executing step 55, otherwise, executing step 515.

Step 55, determining whether the target transaction is reversely settled, if not, executing step 56, otherwise executing step 515.

And 56, acquiring settlement configuration information aiming at the target transaction, and carrying out configuration processing on the settlement factors corresponding to the reference settlement items to obtain target settlement items comprising the target settlement factors.

Step 57, determining whether the target settlement item is empty, if not, executing step 58, and if the target calculation direction is empty, executing step 514.

And 58, calculating a settlement item of the target transaction based on the target settlement factor to obtain settlement account information.

Step 59, save the reverse settlement record information.

Wherein the reverse settlement record information includes settlement account information.

In some application scenarios, when the reverse settlement record information is stored, the record may be performed according to the reverse settlement record table shown in table 5.

TABLE 5 reverse settlement record

Step 510, invoking a reverse settlement service interface to perform reverse settlement for the target transaction.

Step 511, determining whether the reverse settlement is successful, if the reverse settlement is successful, executing step 512, and if the reverse settlement is unsuccessful, executing step 513.

Step 512, updating the settlement record information for the target transaction to the reverse settlement success record information, and then executing step 515.

Step 513, update the settlement record information for the target transaction to the reverse settlement failure record information, and execute step 515.

Step 514, setting reverse settlement abnormality and alarming.

Wherein the alarm may be a UMP alarm.

Step 515, end.

When the settlement record information for the target transaction is reverse settlement failure record information, steps 516 to 520 shown in fig. 13 may be further executed at intervals of a preset period:

Step 516, determining whether there is a forward settlement success record information for the target transaction, if there is a forward settlement success record information, executing step 517, otherwise executing step 515.

Step 517, reading the settlement operation aiming at the target transaction in the reverse settlement service interface.

Step 518, it is determined whether the reverse settlement for the target transaction is successful, if the reverse settlement is successful, step 519 is executed, and if the reverse settlement is failed, step 520 is executed.

Step 519, update the settlement record information for the target transaction to the reverse settlement success record information, and then execute step 515.

Step 520, update the settlement record information for the target transaction to the reverse settlement failure record information, and execute step 515.

Based on the foregoing embodiment, in other embodiments of the present application, when the electronic device performs step 48 or step 58, the method may be specifically implemented by a settlement account information calculation flow as shown in fig. 14:

step 61, start.

Step 62, determining whether the target settlement factor is groovy script type, if yes, executing step 63, and if no, executing step 68.

Step 63, judging whether the local cache has groovy scripts of the target settlement factors, if so, executing step 64, and if not, executing step 67.

Wherein, the related information of groovy scripts of the target settlement factors can be recorded through groovy script tables shown in table 6.

Step 64, loading groovy scripts of the target settlement factors.

And step 65, executing groovy scripts of the target settlement factors by using groovy script engine to obtain settlement account information.

Step 66, placing groovy scripts of the target settlement factors into a local cache.

Step 67, obtain groovy script of the target settlement factor from the file storage system, and then execute step 65.

And 68, executing a settlement calculation formula of the target settlement factor to obtain settlement account information.

Step 69, end.

TABLE 6groovy script Table

It should be noted that, in this embodiment, the descriptions of the same steps and the same content as those in other embodiments may refer to the descriptions in other embodiments, and are not repeated here.

Based on the foregoing embodiments, the embodiment of the present application provides a settlement apparatus that can be applied to the settlement methods provided in the embodiments corresponding to fig. 1 to 8, and referring to fig. 15, the settlement apparatus 7 includes: a first determination unit 71 and an execution unit 72, wherein:

The first determining unit 71 is configured to determine, if a transaction settlement request of a target transaction is detected, settlement configuration information of the target transaction, a transaction type of the target transaction, and a service type of the target transaction based on the transaction settlement request; the settlement configuration information is used for representing settlement contents agreed between the service technology provider and the target merchant;

The first determining unit 71 is further configured to determine a reference settlement item based on the transaction type and the service type;

the first determining unit 71 is further configured to determine a target settlement item based on the settlement configuration information and the reference settlement item;

the first determining unit 71 is further configured to determine settlement account information based on the target settlement item and the target transaction;

the execution unit 72 is configured to execute a first settlement operation corresponding to the transaction type based on the settlement account information.

In other embodiments of the present application, before the first determining unit is configured to perform the step of determining the target settlement item based on the settlement configuration information and the reference settlement item, the first determining unit is further configured to perform the steps of:

Acquiring settlement state information of the target transaction;

In other embodiments of the present application, before the first determining unit performs the step of obtaining the settlement status information of the target transaction, the first determining unit is further configured to perform the following steps:

Correspondingly, when the first determining unit executes the step to obtain the settlement state information of the target transaction, the method can be realized by the following steps:

In other embodiments of the present application, the first determining unit is further configured to perform the following steps before determining the reference settlement item based on the transaction type and the service type:

correspondingly, when the first determining unit performs the step of determining the reference settlement item based on the transaction type and the service type, the method can be implemented by the following steps:

In other embodiments of the present application, the first determining unit includes: the device comprises an acquisition module and a processing module; wherein:

the acquisition module is used for acquiring at least one preset settlement factor corresponding to the reference settlement item if the reference settlement item comprises at least one configuration item; the preset settlement factor is a pre-stored minimum calculation unit for scripting the target format;

the processing module is used for obtaining a target settlement factor based on the settlement configuration information and the at least one preset settlement factor; wherein the target settlement item includes the target settlement factor.

In other embodiments of the present application, the first determining unit further includes a generating module; wherein:

And the generation module is used for generating alarm prompt information if the target settlement item is empty.

In other embodiments of the present application, the settlement apparatus further includes: a second determination unit and an update unit; wherein:

a second determining unit configured to determine a first execution result of executing the first settlement operation;

and the updating unit is used for updating the settlement record information of the target transaction into the success record information corresponding to the transaction type if the first execution result is that the first settlement operation is successfully executed.

In other embodiments of the present application, the settlement apparatus further includes: a detection unit and a processing unit; wherein:

the updating unit is further used for updating the settlement record information of the target transaction into failure record information corresponding to the transaction type if the first execution result is that the first settlement operation fails to be executed, and starting a timer to start timing;

The detection unit is used for detecting whether the second settlement operation corresponding to the transaction type of the target transaction is successfully executed or not if the timer counts to be the preset duration, and a second execution result is obtained;

The updating unit is further configured to update the settlement record information of the target transaction to successful record information corresponding to the transaction type if the second execution result is that the second settlement operation is successfully executed, and close the timer to stop timing;

The updating unit is further configured to update the settlement record information of the target transaction to failure record information corresponding to the transaction type if the second execution result indicates that the second settlement operation fails to execute, and start timing after the timer is cleared;

and the processing unit is used for detecting whether the third settlement operation corresponding to the transaction type of the target transaction is successfully executed or not if the timing of the timer is the preset time length, repeating the steps until the settlement record information of the target transaction is updated to be successful record information corresponding to the transaction type, and closing the timer to stop timing.

In other embodiments of the present application, the settlement apparatus further includes an acquisition unit, a generation unit, and a printing unit; wherein:

The acquisition unit is used for acquiring a settlement list corresponding to the target merchant in the current target account period if the current time is detected to be the target account period; the target account period is the date of acquiring an invoice appointed by the target merchant, and the settlement list comprises the settlement account information;

The generation unit is used for generating audit information and displaying the audit information based on the settlement list;

The acquisition unit is also used for acquiring invoice requirement information corresponding to the target merchant if a control message for indicating the passing of the verification is received;

And the printing unit is used for printing invoice contents corresponding to the target merchant based on the invoice requirement information and the settlement list.

It should be noted that, in the embodiment of the present application, explanation of steps between modules or units may refer to implementation processes in the settlement method provided in the corresponding embodiment of fig. 1 to 8, which is not described herein again.

Based on the foregoing embodiments, the embodiment of the present invention provides an electronic device, which may be applied to the settlement method provided in the embodiment corresponding to fig. 1 to 8, and referring to fig. 16, the electronic device 8 includes: a processor 81, a memory 82 and a communication bus 83, wherein:

a communication bus 83 for implementing a communication connection between the processor 81 and the memory 82;

a processor 81 for executing a settlement program stored in the memory 82 to realize the steps of:

If a transaction settlement request of the target transaction is detected, determining settlement configuration information of the target transaction, the transaction type of the target transaction and the service type of the target transaction based on the transaction settlement request; the settlement configuration information is used for representing settlement contents agreed between the service technology provider and the target merchant;

Based on the settlement account information, a first settlement operation corresponding to the transaction type is performed.

In other embodiments of the present application, the processor is configured to perform the step of, prior to determining the target settlement item based on the settlement configuration information and the reference settlement item, further performing the steps of:

Acquiring settlement state information of a target transaction;

Correspondingly, the processor is configured to perform the step of determining the target settlement item based on the settlement configuration information and the reference settlement item, by:

In other embodiments of the present application, the processor is further configured to, before executing the step of obtaining settlement status information of the target transaction, execute the following steps:

correspondingly, when the processor executes the steps to acquire settlement state information of the target transaction, the method can be realized by the following steps:

In other embodiments of the present application, the processor is configured to perform the steps of, before determining the reference settlement item based on the transaction type and the service type, further performing the steps of:

correspondingly, determining the reference settlement item based on the transaction type and the service type comprises:

And if the settlement record information is forward settlement success record information, acquiring at least one preset settlement item corresponding to the service type under the reverse settlement type, and obtaining a reference settlement item.

In other embodiments of the present application, the processor is configured to perform the step of determining settlement account information based on the target settlement item and the target transaction by:

if the target settlement item comprises at least one configuration item, acquiring at least one preset settlement factor corresponding to the target settlement item, and obtaining the target settlement factor; the preset settlement factor is a pre-stored minimum calculation unit;

The settlement account information is determined based on the target settlement factor and the target transaction.

In other embodiments of the present application, the processor is further configured to perform the steps of:

In other embodiments of the present application, the processor is configured to execute the following steps after executing the first settlement operation corresponding to the transaction type based on the settlement account information:

If the timer counts the preset time length, detecting whether the second settlement operation corresponding to the transaction type of the target transaction is successfully executed, and obtaining a second execution result;

If the second execution result is that the second settlement operation is successfully executed, updating settlement record information of the target transaction into successful record information corresponding to the transaction type, and closing a timer to stop timing;

if the second execution result is that the second settlement operation fails to be executed, updating settlement record information of the target transaction into failure record information corresponding to the transaction type, resetting a timer and then starting timing;

If the timer counts the preset time length, detecting whether the third settlement operation corresponding to the transaction type of the target transaction is successfully executed, repeating the steps until the settlement record information of the target transaction is updated to be successful record information corresponding to the transaction type, and closing the timer to stop counting.

If the current time is detected to be the target account period, acquiring a settlement list corresponding to the target merchant in the current target account period; the target account period is the date of acquiring the invoice appointed by the target merchant, and the settlement list comprises settlement account information;

If a control message for indicating that the verification passes is received, invoice requirement information corresponding to a target merchant is obtained;

It should be noted that, the specific implementation process of the steps executed by the processor in this embodiment may refer to the implementation process in the settlement method provided in the corresponding embodiment of fig. 1 to 8, which is not described herein again.

Based on the foregoing embodiments, the embodiments of the present invention further provide a computer-readable storage medium, abbreviated as a storage medium, which stores one or more programs that may be executed by one or more processors to implement the settlement method provided by the corresponding embodiments with reference to fig. 1 to 8, which will not be described in detail herein.

The above is merely an example of the present invention and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and scope of the present invention are included in the protection scope of the present invention.

Claims

1. A settlement method, the method comprising:

If a transaction settlement request of a target transaction is detected, determining settlement configuration information of the target transaction, a transaction type of the target transaction and a service type of the target transaction based on the transaction settlement request; the settlement configuration information is used for representing agreed settlement content between a service technology provider and a target merchant, and the transaction type of the target transaction comprises a forward settlement type and a reverse settlement type, wherein the forward settlement type refers to a transaction paid after purchase of a user, and the reverse settlement type refers to a refund transaction sent by the user; the business type of the target transaction refers to the business category to which the target transaction belongs;

performing a first settlement operation corresponding to the transaction type based on the settlement account information;

Before the target settlement item is determined based on the settlement configuration information and the reference settlement item, the method further comprises:

Acquiring settlement state information of the target transaction;

2. The method of claim 1, wherein prior to the obtaining settlement status information for the target transaction, the method further comprises:

3. The method of claim 1, wherein prior to determining a reference settlement item based on the transaction type and the service type, the method further comprises:

4. A method according to any one of claims 1 to 3, wherein said determining a target settlement item based on said settlement configuration information and said reference settlement item comprises:

5. The method according to claim 4, wherein the method further comprises:

6. The method of claim 1, wherein after performing a first settlement operation corresponding to the transaction type based on the settlement account information, the method further comprises:

7. The method of claim 6, wherein the method further comprises:

8. The method according to claim 1, wherein the method further comprises:

9. A settlement device, characterized in that the device comprises a first determination unit and an execution unit; wherein:

The first determining unit is configured to determine, if a transaction settlement request of a target transaction is detected, settlement configuration information of the target transaction, a transaction type of the target transaction, and a service type of the target transaction based on the transaction settlement request; the settlement configuration information is used for representing agreed settlement content between a service technology provider and a target merchant, and the transaction type of the target transaction comprises a forward settlement type and a reverse settlement type, wherein the forward settlement type refers to a transaction paid after purchase of a user, and the reverse settlement type refers to a refund transaction sent by the user; the business type of the target transaction refers to the business category to which the target transaction belongs;

The execution unit is used for executing a first settlement operation corresponding to the transaction type based on the settlement account information;

The first determining unit is further used for acquiring settlement state information of the target transaction;

and the first determining unit is further configured to perform matching processing on the reference settlement item based on the settlement configuration information if the settlement status information is target status information, so as to obtain the target settlement item.

10. An electronic device, the electronic device comprising: a processor, a memory, and a communication bus; wherein:

the processor is further configured to run a settlement program stored in the memory, so as to implement the following steps:

Acquiring settlement state information of the target transaction;

11. A storage medium storing executable instructions which, when executed, are adapted to cause a processor to perform the settlement method of any one of claims 1 to 8.