CN111833169A - A method and device for managing accounts - Google Patents

Abstract

Translated fromChinese

本发明公开了一种分账管理方法和装置，涉及二次清分领域。该方法的一具体实施方式包括：接收对平台中一已签约市场的分账请求，根据所述市场的编号，从支付订单组件中获取所述市场在前一时间段内的订单记录；确定所述订单记录中的交易总额，以从银行收单组件的合约账户中，将所述交易总额调账至平台的合约账户中；利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细。该实施方式将分账任务拆分为多个自动任务，每个任务可以处理独立事件，以灵活应对复杂多变的分账业务场景，如果有新需求，可以更好的应对其变化。

The invention discloses a method and a device for managing accounts, which relate to the field of secondary clearing. A specific implementation of the method includes: receiving an account splitting request for a contracted market in the platform, obtaining order records of the market in the previous time period from the payment order component according to the market number; determining the market The total transaction amount in the order record, so as to transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform; use the market-level account splitting strategy corresponding to the market to process the total transaction amount to obtain Account details. This embodiment splits the account splitting task into multiple automatic tasks, and each task can handle independent events, so as to flexibly respond to complex and changeable account splitting business scenarios, and if there are new requirements, it can better cope with its changes.

Description

Translated fromChinese

一种分账管理方法和装置A method and device for managing accounts

技术领域technical field

本发明涉及二次清分领域，尤其涉及一种分账管理方法和装置。The invention relates to the field of secondary clearing, in particular to a method and device for managing accounts.

背景技术Background technique

二次清分，即专业市场以平台或大商户模式接入持证机构，留存商户结算资金，并自行开展商户资金清算的行为。对于这种没有支付业务牌照又需要统一收银的各行业专业市场，在人民银行政策要求下需要由第三方机构(如银行)对其资金的分账动作进行监管。Secondary clearing, that is, the professional market accesses the license-holding institution in the mode of platform or large merchant, retains the settlement funds of the merchants, and conducts the liquidation of the merchants' funds by itself. For this kind of professional market in various industries that does not have a payment business license and needs a unified cashier, under the policy requirements of the People's Bank of China, a third-party institution (such as a bank) needs to supervise the splitting of its funds.

不同行业的专业市场在展开业务时，其应用场景存在很多差异，这些差异会导致分账管理变得异常复杂，总体上体现在收单形式和分账策略两个方面。例如，对于连锁便利店、餐饮店等其分账策略比较固定，仅企业集团与商铺自身，收单流水较为清晰；对于大型线下商场，分账策略需根据商品类型进行区分，收单流水也按楼层或卖区集中；对于线上电商平台，分账策略无法固定，需细化到交易级别，由单个商户统一收单；对于其他行业还存在诸如消费券、积分、到货通知、在途确认、自动扣收等差异。There are many differences in the application scenarios of professional markets in different industries when they develop business. These differences will lead to extremely complicated account splitting management, which is generally reflected in the form of acquiring and account splitting strategies. For example, for chain convenience stores, restaurants, etc., the billing strategy is relatively fixed, and only the enterprise group and the store itself, the billing flow is relatively clear; for large offline shopping malls, the billing strategy needs to be differentiated according to the type of goods, and the billing flow is also based on the floor. Or the selling area is concentrated; for online e-commerce platforms, the account distribution strategy cannot be fixed, and needs to be refined to the transaction level, and a single merchant will collect the bills uniformly; for other industries, there are also such as consumption coupons, points, arrival notice, in-transit confirmation, automatic Differences in deductions, etc.

在实现本发明的过程中，发明人发现现有技术至少存在如下问题：In the process of realizing the present invention, the inventor found that the prior art has at least the following problems:

现有分账策略仅针对单个市场进行设置，用户在商家付款后支付金额由市场统一收取管理，维度单一、规则简单，面对复杂多变的各行各业的专业市场应用场景，不具有普适性，灵活性较低。The existing account splitting strategy is only set for a single market, and the payment amount of the user is charged and managed by the market after payment by the merchant. It has a single dimension and simple rules. It is not universal in the face of complex and changeable professional market application scenarios of various industries. , less flexibility.

因此为了更好的满足业务需求，保证业务的快速开发实现，需设置一套多场景的分账管理办法，来提供合规、安全、自动、便捷的金融服务。Therefore, in order to better meet the business needs and ensure the rapid development and realization of the business, a multi-scenario account splitting management method needs to be set up to provide compliant, safe, automatic and convenient financial services.

发明内容SUMMARY OF THE INVENTION

有鉴于此，本发明实施例提供一种分账管理方法和装置，至少能够解决现有分账策略不具有普适性的问题。In view of this, the embodiments of the present invention provide a method and device for account splitting management, which can at least solve the problem that the existing account splitting strategy is not universal.

为实现上述目的，根据本发明实施例的一个方面，提供了一种分账管理方法，包括：In order to achieve the above object, according to an aspect of the embodiments of the present invention, a method for managing accounts is provided, including:

接收对平台中一已签约市场的分账请求，根据所述市场的编号，从支付订单组件中获取所述市场在前一时间段内的订单记录；Receive an account split request for a contracted market in the platform, and obtain the order record of the market in the previous time period from the payment order component according to the market number;

确定所述订单记录中的交易总额，以从银行收单组件的合约账户中，将所述交易总额调账至平台的合约账户中；Determine the total transaction amount in the order record, so as to transfer the transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细。The total transaction amount is processed by using a market-level account splitting strategy corresponding to the market to obtain account splitting details.

可选的，所述订单记录处于对平状态；Optionally, the order record is in a leveling state;

在所述确定所述订单记录中的交易总额之前，还包括：Before the determining of the total transaction amount in the order record, the method further includes:

根据所述市场的编号，从银行收单组件中获取所述市场在所述前一时间段内的对账单；其中，对账单用于记录已到账的支付交易信息；According to the serial number of the market, obtain the statement of the market in the previous time period from the bank acquiring component; wherein, the statement is used to record the payment transaction information that has been received;

比对所述对账单和所述订单记录中相同流水号的交易金额是否相同，若相同，则将比对结果记录为对平状态，否则记录为不平状态。Compare whether the transaction amounts of the same serial number in the statement and the order record are the same, and if they are the same, the comparison result is recorded as an even state, otherwise, it is recorded as an uneven state.

可选的，在所述利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细之前，还包括：Optionally, before the total transaction amount is processed by using the market-level account splitting strategy corresponding to the market to obtain account splitting details, the method further includes:

响应于对所述市场的类型选择操作，提取与市场类型对应的市场级分账策略列表并显示，将所选择的市场级分账策略作为所述市场的市场级分账策略。In response to the type selection operation for the market, a list of market-level account sharing strategies corresponding to the market type is extracted and displayed, and the selected market-level account sharing strategy is used as the market-level account sharing strategy of the market.

可选的，市场类型至少包括：线上支付电商平台、线下支付大中型新型商场、线下支付新型连锁品牌、二维码收单小型市场、线下支付大中型传统市场、线下支付传统连锁品牌、线下支付小型市场、分账金额可变旅游平台和支持三级结构的用工撮合平台。Optionally, the market types include at least: online payment e-commerce platforms, offline payment large and medium-sized new shopping malls, offline payment new chain brands, QR code acquiring small markets, offline payment large and medium-sized traditional markets, offline payment Traditional chain brands, offline payment mini-markets, travel platforms with variable payment amounts, and employment matching platforms that support a three-tier structure.

可选的，所述利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细，包括：解析一订单记录中的流水字段，得到附加项信息、优惠信息和商家信息，并确定与所述商家信息中商家编号对应的商家级分账策略；Optionally, using the market-level account splitting strategy corresponding to the market to process the total transaction amount to obtain account splitting details includes: parsing a flow field in an order record to obtain additional item information, preferential information and merchant information, and determining a merchant-level account splitting strategy corresponding to the merchant number in the merchant information;

利用所述市场级分账策略和所述商家级分账策略，结合所述附加项信息和所述优惠信息，对所述一订单记录中的交易金额进行分账管理，得到对商家的分账明细。Using the market-level account-splitting strategy and the merchant-level account-splitting strategy, combined with the additional item information and the preferential information, the transaction amount in the one order record is divided into accounts to obtain the detailed accounts of the merchant.

可选的，在所述确定与所述商家信息中商家编号对应的商家级分账策略之前，还包括：响应于对所述商家的类型选择操作，提取与商家类型对应的商家级分账策略列表并显示，将所选择的商家级分账策略作为所述商家的商家级分账策略。Optionally, before the determining of the merchant-level account splitting strategy corresponding to the merchant number in the business information, the method further includes: in response to a type selection operation for the merchant, extracting a list of merchant-level account splitting strategies corresponding to the merchant type and It is displayed that the selected merchant-level account sharing strategy is used as the merchant-level account sharing strategy of the merchant.

可选的，所述利用所述市场级分账策略和所述商家级分账策略，结合所述附加项信息和所述优惠信息，对所述一订单记录中的交易金额进行分账管理，得到对商家的分账明细，包括：Optionally, the use of the market-level account splitting strategy and the merchant-level account splitting strategy, combined with the additional item information and the preferential information, is used to perform ledger management on the transaction amount in the one order record, and obtain an account for the merchant. The sub-account details, including:

若所述优惠信息与所述商家关联，则将所述交易金额作为对所述商家的分账金额；或If the preferential information is associated with the merchant, use the transaction amount as the amount to be shared with the merchant; or

若所述优惠信息与所述市场关联，则将所述交易金额与所述优惠信息中的优惠金额之和，作为对所述商家的分账金额。If the preferential information is associated with the market, the sum of the transaction amount and the preferential amount in the preferential information is taken as the amount to be shared with the merchant.

可选的，还包括：若存在与所述商家对应的退单记录，则获取所述退单记录中的退单金额，将所述分账金额与所述退单金额的差值作为对所述商家的分账金额。Optionally, it also includes: if there is a chargeback record corresponding to the merchant, acquiring the chargeback amount in the chargeback record, and taking the difference between the split amount and the chargeback amount as the difference between the amount of the chargeback and the chargeback amount. The merchant's split amount.

可选的，还包括：若所述一订单记录中的流水字段包括分账日期，则将所述分账日期作为对所述分账金额的清算日期；或Optionally, it also includes: if the flow field in the order record includes the account split date, the account split date is used as the settlement date for the split amount; or

若所述商家和/或所述市场已解约、或所述订单记录已做分账，则将当前日期作为对所述分账金额的清算日期；或If the merchant and/or the marketplace has terminated the contract, or the order record has been split, use the current date as the settlement date for the split amount; or

使用分账规则计算分账日期，若计算得到的分账日期小于当前日期，则将当前日期作为对所述分账金额的清算日期，否则将所得分账日期作为对所述分账金额的清算日期。The account splitting date is calculated using the ledger splitting rules. If the calculated splitting date is less than the current date, the current date is used as the settlement date for the split amount; otherwise, the resulting split date is taken as the settlement date for the split amount.

可选的，在所述得到对商家的分账明细之后，还包括：Optionally, after obtaining the details of the accounts of the merchants, the method further includes:

在达到清算日期时，将所述分账金额存储至所述商家的虚拟账户中，并更新所述虚拟账户中的账户余额；When the settlement date is reached, store the split amount in the merchant's virtual account, and update the account balance in the virtual account;

在达到预定时间点或所述账户余额达到预定数值时，将所述账户余额从所述虚拟账户转账至所述商家的结算账户中；其中，虚拟账户与结算账户具有绑定关系。When a predetermined time point is reached or the account balance reaches a predetermined value, the account balance is transferred from the virtual account to the settlement account of the merchant; wherein the virtual account and the settlement account have a binding relationship.

为实现上述目的，根据本发明实施例的另一方面，提供了一种分账管理装置，包括：In order to achieve the above purpose, according to another aspect of the embodiments of the present invention, a device for managing accounts is provided, including:

接收模块，用于接收对平台中一已签约市场的分账请求，根据所述市场的编号，从支付订单组件中获取所述市场在前一时间段内的订单记录；a receiving module, configured to receive an account splitting request for a signed market in the platform, and obtain the order record of the market in the previous time period from the payment order component according to the market number;

调账模块，用于确定所述订单记录中的交易总额，以从银行收单组件的合约账户中，将所述交易总额调账至平台的合约账户中；an account adjustment module, configured to determine the total transaction amount in the order record, so as to adjust the transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

分账模块，用于利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细。An account splitting module, configured to process the total transaction amount by using a market-level account splitting strategy corresponding to the market to obtain account splitting details.

可选的，所述订单记录处于对平状态；Optionally, the order record is in a leveling state;

所述方法还包括比对模块，用于：The method also includes an alignment module for:

根据所述市场的编号，从银行收单组件中获取所述市场在所述前一时间段内的对账单；其中，对账单用于记录已到账的支付交易信息；According to the serial number of the market, obtain the statement of the market in the previous time period from the bank acquiring component; wherein, the statement is used to record the payment transaction information that has been received;

比对所述对账单和所述订单记录中相同流水号的交易金额是否相同，若相同，则将比对结果记录为对平状态，否则记录为不平状态。Compare whether the transaction amounts of the same serial number in the statement and the order record are the same, and if they are the same, the comparison result is recorded as an even state, otherwise, it is recorded as an uneven state.

可选的，还包括第一选择模块，用于：响应于对所述市场的类型选择操作，提取与市场类型对应的市场级分账策略列表并显示，将所选择的市场级分账策略作为所述市场的市场级分账策略。Optionally, it also includes a first selection module for: in response to a type selection operation for the market, extracting and displaying a list of market-level account-sharing strategies corresponding to the market type, and using the selected market-level account-sharing strategy as the Market-level ledger strategy for the market.

可选的，市场类型至少包括：线上支付电商平台、线下支付大中型新型商场、线下支付新型连锁品牌、二维码收单小型市场、线下支付大中型传统市场、线下支付传统连锁品牌、线下支付小型市场、分账金额可变旅游平台和支持三级结构的用工撮合平台。Optionally, the market types include at least: online payment e-commerce platforms, offline payment large and medium-sized new shopping malls, offline payment new chain brands, QR code acquiring small markets, offline payment large and medium-sized traditional markets, offline payment Traditional chain brands, offline payment mini-markets, travel platforms with variable payment amounts, and employment matching platforms that support a three-tier structure.

可选的，所述分账模块，用于：解析一订单记录中的流水字段，得到附加项信息、优惠信息和商家信息，并确定与所述商家信息中商家编号对应的商家级分账策略；Optionally, the account splitting module is used to: parse a flow field in an order record, obtain additional item information, preferential information and merchant information, and determine a merchant-level account splitting strategy corresponding to the merchant number in the merchant information;

利用所述市场级分账策略和所述商家级分账策略，结合所述附加项信息和所述优惠信息，对所述一订单记录中的交易金额进行分账管理，得到对商家的分账明细。Using the market-level account-splitting strategy and the merchant-level account-splitting strategy, combined with the additional item information and the preferential information, the transaction amount in the one order record is divided into accounts to obtain the detailed accounts of the merchant.

可选的，还包括第二选择模块，用于：响应于对所述商家的类型选择操作，提取与商家类型对应的商家级分账策略列表并显示，将所选择的商家级分账策略作为所述商家的商家级分账策略。Optionally, it also includes a second selection module for: in response to a type selection operation for the merchant, extracting and displaying a list of merchant-level account splitting strategies corresponding to the merchant type, and using the selected merchant-level account splitting strategy as the Merchant-level splitting strategy for merchants.

可选的，所述分账模块，用于：若所述优惠信息与所述商家关联，则将所述交易金额作为对所述商家的分账金额；或Optionally, the account splitting module is configured to: if the preferential information is associated with the merchant, take the transaction amount as the split account amount to the merchant; or

若所述优惠信息与所述市场关联，则将所述交易金额与所述优惠信息中的优惠金额之和，作为对所述商家的分账金额。If the preferential information is associated with the market, the sum of the transaction amount and the preferential amount in the preferential information is taken as the amount to be shared with the merchant.

可选的，还包括调整模块，用于：若存在与所述商家对应的退单记录，则获取所述退单记录中的退单金额，将所述分账金额与所述退单金额的差值作为对所述商家的分账金额。Optionally, it also includes an adjustment module, configured to: if there is a chargeback record corresponding to the merchant, obtain the chargeback amount in the chargeback record, and calculate the difference between the split amount and the chargeback amount. Value as the credit amount to the merchant.

可选的，还包括清算日期模块，用于：若所述一订单记录中的流水字段包括分账日期，则将所述分账日期作为对所述分账金额的清算日期；或Optionally, it also includes a settlement date module, used for: if the flow field in the order record includes the account split date, then the account split date is used as the clearing date for the split amount; or

若所述商家和/或所述市场已解约、或所述订单记录已做分账，则将当前日期作为对所述分账金额的清算日期；或If the merchant and/or the marketplace has terminated the contract, or the order record has been split, use the current date as the settlement date for the split amount; or

使用分账规则计算分账日期，若计算得到的分账日期小于当前日期，则将当前日期作为对所述分账金额的清算日期，否则将所得分账日期作为对所述分账金额的清算日期。The account splitting date is calculated using the ledger splitting rules. If the calculated splitting date is less than the current date, the current date is used as the settlement date for the split amount; otherwise, the resulting split date is taken as the settlement date for the split amount.

可选的，还包括提现模块，用于：在达到清算日期时，将所述分账金额存储至所述商家的虚拟账户中，并更新所述虚拟账户中的账户余额；Optionally, it also includes a cash withdrawal module, which is used to: when the settlement date is reached, store the split amount in the virtual account of the merchant, and update the account balance in the virtual account;

在达到预定时间点或所述账户余额达到预定数值时，将所述账户余额从所述虚拟账户转账至所述商家的结算账户中；其中，虚拟账户与结算账户具有绑定关系。When a predetermined time point is reached or the account balance reaches a predetermined value, the account balance is transferred from the virtual account to the settlement account of the merchant; wherein the virtual account and the settlement account have a binding relationship.

为实现上述目的，根据本发明实施例的再一方面，提供了一种分账管理电子设备。To achieve the above object, according to yet another aspect of the embodiments of the present invention, an electronic device for account separation management is provided.

本发明实施例的电子设备包括：一个或多个处理器；存储装置，用于存储一个或多个程序，当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现上述任一所述的分账管理方法。An electronic device according to an embodiment of the present invention includes: one or more processors; and a storage device for storing one or more programs, when the one or more programs are executed by the one or more processors, the one or more programs cause the One or more processors implement any one of the above-mentioned account split management methods.

为实现上述目的，根据本发明实施例的再一方面，提供了一种计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现上述任一所述的分账管理方法。To achieve the above object, according to yet another 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, any one of the above-mentioned account split management methods is implemented.

根据本发明所述提供的方案，上述发明中的一个实施例具有如下优点或有益效果：设计了适应多场景的分账管理办法，能够高效对应市场和商家的多变分账策略，用户对接简单，保证业务适配的灵活性以及快速开发实现，提高了分账管理的智能化、实时性和实用性。According to the solution provided by the present invention, one of the above-mentioned embodiments of the invention has the following advantages or beneficial effects: an account splitting management method adapted to multiple scenarios is designed, which can efficiently correspond to the multivariable account splitting strategies of the market and merchants, and the user connection is simple and guaranteed. The flexibility of business adaptation and the rapid development and realization improve the intelligence, real-time and practicability of account division management.

上述的非惯用的可选方式所具有的进一步效果将在下文中结合具体实施方式加以说明。Further effects of the above non-conventional alternatives will be described below in conjunction with specific embodiments.

附图说明Description of drawings

附图用于更好地理解本发明，不构成对本发明的不当限定。其中：The accompanying drawings are used for better understanding of the present invention and do not constitute an improper limitation of the present invention. in:

图1是根据本发明实施例的一种分账管理方法的主要流程示意图；Fig. 1 is the main flow chart of a kind of account splitting management method according to the embodiment of the present invention;

图2是根据本发明实施例的一种可选的分账管理方法的流程示意图；2 is a schematic flowchart of an optional account splitting management method according to an embodiment of the present invention;

图3是根据本发明实施例的另一种可选的分账管理方法的流程示意图；3 is a schematic flowchart of another optional account splitting management method according to an embodiment of the present invention;

图4是根据本发明实施例的一种分账管理装置的主要模块示意图；4 is a schematic diagram of the main modules of an account splitting management device according to an embodiment of the present invention;

图5是本发明实施例可以应用于其中的示例性系统架构图；5 is an exemplary system architecture diagram to which an embodiment of the present invention may be applied;

图6是适于用来实现本发明实施例的移动设备或服务器的计算机系统的结构示意图。FIG. 6 is a schematic structural diagram of a computer system suitable for implementing a mobile device or a server according to an embodiment of the present invention.

具体实施方式Detailed ways

以下结合附图对本发明的示范性实施例做出说明，其中包括本发明实施例的各种细节以助于理解，应当将它们认为仅仅是示范性的。因此，本领域普通技术人员应当认识到，可以对这里描述的实施例做出各种改变和修改，而不会背离本发明的范围和精神。同样，为了清楚和简明，以下的描述中省略了对公知功能和结构的描述。Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding and should be considered 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 from the following description for clarity and conciseness.

参见图1，示出的是本发明实施例提供的一种分账管理方法的主要流程图，包括如下步骤：Referring to FIG. 1 , what is shown is a main flow chart of a method for account splitting management provided by an embodiment of the present invention, including the following steps:

S101：接收对平台中一已签约市场的分账请求，根据所述市场的编号，从支付订单组件中获取所述市场在前一时间段内的订单记录；S101: Receive an account splitting request for a contracted market in the platform, and obtain the order record of the market in the previous time period from the payment order component according to the market number;

S102：确定所述订单记录中的交易总额，以从银行收单组件的合约账户中，将所述交易总额调账至平台的合约账户中；S102: Determine the total transaction amount in the order record, so as to transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

S103：利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细。S103: Use a market-level account splitting strategy corresponding to the market to process the total transaction amount to obtain account splitting details.

上述实施方式中，对于步骤S101，分账策略，通常作为某个产品功能的一部分而存在。本方案中的专业市场结算平台(简称平台)管理有各个市场的分账需求，前提是这些市场在平台内已完成注册/签约操作，且每个市场下至少存在一个商家，例如大型线下商场下的餐饮店铺、售衣店铺。In the above embodiment, for step S101, the account distribution strategy usually exists as a part of a certain product function. The professional market settlement platform (referred to as the platform) in this solution manages the needs of various markets, provided that these markets have completed registration/signing operations in the platform, and there is at least one merchant in each market, such as large offline shopping malls. restaurants and clothing stores.

对于平台内一市场的分账触发动作，可以是用户点击触发，也可以是平台定时触发。分账的核心是跑批自动任务，即对前一时间段(如12小时、24小时等，此处以日为单位进行描述)的所有收单交易进行对账，之后归集待分账资金，根据用户定义的分账策略执行分账操作。For the account splitting trigger action of a market in the platform, it can be triggered by the user's click, or it can be triggered by the platform regularly. The core of the split is to run batch automatic tasks, that is, to reconcile all the acquiring transactions in the previous time period (such as 12 hours, 24 hours, etc., which are described in daily units), and then collect the funds to be split according to the user. The defined splitting strategy performs splitting operations.

跑批的核心在于产生总账并进行核对，或是进行大批量交易，如结息、计提、代收付等，或是生成报表、到处流水数据等。即每天结算次数和结算时间点，一般在10点～12点左右。以日为单位，因收单系统与人行清算通常发生在第二日清晨，所以可以将跑批自动任务设置在第二天8点，以启动处理前一日的交易。The core of running batch is to generate and check the general ledger, or to carry out large-scale transactions, such as interest settlement, accrual, collection and payment, etc., or to generate reports and flow data everywhere. That is, the daily settlement times and settlement time, generally around 10:00 to 12:00. On a daily basis, since the settlement between the acquiring system and the People's Bank of China usually occurs in the early morning of the second day, the automatic batch running task can be set at 8:00 the next day to start processing the transactions of the previous day.

平台内的每个市场都有各自的编号，通过扫描/查询该市场的编号，可以从银行收单组件中获取该市场在前一日的对账单；其中，对账单中记录有前一日所有已到账的支付交易信息。Each market in the platform has its own serial number. By scanning/querying the serial number of the market, the statement of the market on the previous day can be obtained from the bank acquiring component. Payment transaction information that has been received.

需要说明的是，本方案依赖于外部第三方完成收单操作，此处的对账单存储于银行收单组件中，并非现有方案中市场的收单组件中，以此降低了对市场收单的要求，提高了方案的普适性。It should be noted that this solution relies on an external third party to complete the acquiring operation. The statement here is stored in the bank acquiring component, not in the acquiring component of the market in the existing solution, which reduces the need for market acquiring. requirements, improving the universality of the program.

所获取的市场在前一日的对账单，会存放在**/nas/rncy/file/日期/市场编号/目录下，文件为文本格式。The obtained market statement of the previous day will be stored in the **/nas/rncy/file/date/market ID/ directory, and the file is in text format.

本任务使用java中的fileInputStream等基础方法，读取所得对账单并存入数据库“收单对账明细表”中，同时将前一日平台内支付订单组件中的订单信息也存入“平台对账明细表”，然后对两表中相同流水号字段的交易金额进行匹配性校验，若相同则均记录为对平状态，反之记录不平状态。This task uses basic methods such as fileInputStream in java to read the obtained statement and store it in the database "Acquiring Reconciliation Details". At the same time, the order information in the payment order component in the platform on the previous day is also stored in the "Platform Reconciliation Statement". Account details table", and then check the matching of the transaction amount in the same serial number field in the two tables.

除此之外，针对单个订单记录的流水号字段，可能在对账单或订单信息中查询不存在。对于出现的不平、收单多、平台多等问题，可以通过报警方式提醒运维人员检查，例如自动发短信提醒。In addition, the serial number field for a single order record may not exist in the query of the statement or order information. For problems such as inequity, too many receipts, and too many platforms, the operation and maintenance personnel can be reminded to check by means of alarms, such as automatic text message reminders.

对于步骤S102，对于上一自动任务中，匹配结果为对平状态的“平台对账明细表”的订单记录，开始获取记录中的交易金额，并将交易金额从银行收单组件的合约账户中调账至本平台的合约账户中。For step S102, in the previous automatic task, the matching result is the order record of the "platform reconciliation detailed table" in the balance state, start to obtain the transaction amount in the record, and transfer the transaction amount from the contract account of the bank acquiring component. Transfer the account to the contract account of this platform.

对于步骤S103，为支持各行各业的灵活分账操作，本方案将分账场景细分为以下四个角度：For step S103, in order to support flexible account splitting operations in all walks of life, this solution subdivides account splitting scenarios into the following four perspectives:

1、多层级分账规则1. Multi-level accounting rules

目前支持市场级分账规则、商家级分账规则和自定义级分账规则。其中，市场级分账规则与商家级分账规则需一同使用，从市场商家的维度去匹配规则，市场级即整个市场共用的，优先级较低，而商家级是市场下某个商家独享的，优先级高。自定义分账规则与市场/商家分账规则是互斥的，且每一个分账规则都有其特定的编号，每笔交易从消费者支付时起就绑定该特定编号。Currently, market-level accounting rules, merchant-level accounting rules, and custom-level accounting rules are supported. Among them, the market-level accounting rules and the merchant-level accounting rules need to be used together to match the rules from the dimension of the market merchants. The market-level is shared by the entire market and has a lower priority, while the merchant-level is exclusive to a merchant in the market. High priority. Custom ledger rules and market/merchant ledger rules are mutually exclusive, and each ledger rule has its specific number, which is bound to each transaction from the time consumers pay.

2、多分账金额规则2. Multi-account amount rules

支持按照固定金额、固定比例(例如市场抽成5％)、先固定金额再固定比例等分账金额计算规则Supports the calculation rules for dividing the account amount according to fixed amount, fixed proportion (for example, 5% of the market share), first fixed amount and then fixed proportion, etc.

3、多分账模式规则3. Multi-account mode rules

提供翻盘式、滚轮式等分账模式Provide flip-type, wheel-type and other account sharing modes

4、多分账时间规则4. Multi-account time rules

提供按日、按月、月末、延迟分账、用户主动触发分账等方式Provide daily, monthly, month-end, delayed account splitting, and user active trigger splitting, etc.

由上可知，分账策略中包括分账规则、金额规则、模式规则和时间规则。有些商家可能未设定商家极分账策略，因此可以通过市场的市场级分账策略处理与该商家对应的交易总额，得到对该商家的分账金额，具体分账方式参见后续图3所示描述，在此不再赘述。As can be seen from the above, the account splitting strategy includes account splitting rules, amount rules, mode rules and time rules. Some merchants may not set the merchant’s extreme account sharing strategy. Therefore, the total transaction amount corresponding to the merchant can be processed through the market-level account sharing strategy of the market, and the amount of the merchant’s account can be obtained. For the specific account sharing method, please refer to the description shown in Figure 3 below. No longer.

分账规则数据结构设计如下：The ledger rule data structure is designed as follows:

为实现用户触发分账的功能，本方案还设置了到货通知等直连接口，以便用户可以将某笔订单的分账日期提前到T+1日，不过目前仅适用于兜底分账策略。例如一笔订单的兜底分账日期是T+20，用户于T+2日发起对该笔订单的确认收货，则分账日期将由原来的T+20变为T+3日。其接口设计如下：In order to realize the function of user-triggered account splitting, this solution also sets up direct connection interfaces such as arrival notification, so that users can advance the splitting date of an order to T+1 day, but it is currently only applicable to the bottom-line splitting strategy. For example, the bottom-line split date of an order is T+20, and the user initiates the confirmation of receipt of the order on T+2, and the split date will be changed from T+20 to T+3. Its interface is designed as follows:

输入接口input interface

输出接口Output Interface

上述实施例所提供的的方法，为了提高分账自动任务的可用性和可靠性，在触发对市场的分账操作后，可以自动获取相应订单记录并分账，且所采用的市场级分账策略预先已由用户设定，且操作较为简单。The method provided by the above-mentioned embodiment, in order to improve the availability and reliability of the automatic task of splitting accounts, after triggering the splitting operation on the market, the corresponding order records can be automatically obtained and split the accounts, and the adopted market-level account splitting strategy has been previously used by the user. setting, and the operation is relatively simple.

参见图2，示出了根据本发明实施例的一种可选的分账管理方法流程示意图，包括如下步骤：Referring to FIG. 2, a schematic flowchart of an optional account splitting management method according to an embodiment of the present invention is shown, including the following steps:

S201：响应于对市场的类型选择操作，提取与市场类型对应的市场级分账策略列表并显示，将所选择的市场级分账策略作为所述市场的市场级分账策略；S201: In response to the type selection operation for the market, extract and display a market-level account sharing strategy list corresponding to the market type, and use the selected market-level account sharing strategy as the market-level account sharing strategy of the market;

S202：接收对平台中一已签约市场的分账请求，根据所述市场的编号，从支付订单组件中获取所述市场在前一时间段内的订单记录；S202: Receive an account splitting request for a signed market in the platform, and obtain the order record of the market in the previous time period from the payment order component according to the market number;

S203：确定所述订单记录中的交易总额，以从银行收单组件的合约账户中，将所述交易总额调账至平台的合约账户中；S203: Determine the total transaction amount in the order record, so as to transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

S204：利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细。S204: Use the market-level account splitting strategy corresponding to the market to process the total transaction amount to obtain account splitting details.

上述实施方式中，对于步骤S202～S204可参见图1所示步骤S101～S103的描述，在此不再赘述。In the above embodiment, for steps S202-S204, reference may be made to the description of steps S101-S103 shown in FIG. 1, and details are not repeated here.

上述实施方式中，对于步骤S201，本方案预先设置了多套基础行业模板，以根据银行收单体系的现状，将专业市场用户对接的形式定义为多组参数，结合分账相关参数，得到：In the above-mentioned embodiment, for step S201, the scheme presets multiple sets of basic industry templates, so as to define the form of professional market user docking as multiple sets of parameters according to the current status of the bank's acquiring system, and combine account-splitting related parameters to obtain:

1)收单商户类型：网络特约商户、实体商户；1) Acquiring Merchant Type: Online Special Merchant, Physical Merchant;

2)对接类型：系统交互、非系统交互；2) Docking type: system interaction, non-system interaction;

3)收银模式：单一柜台收银、多柜台机集中收银、多柜台机分散收银3) Cashier mode: single-counter cashier, multi-counter centralized cashier, multi-counter decentralized cashier

4)支付方式：H5、App、网银、PC收银、智付POS、扫码盒、动态码4) Payment methods: H5, App, online banking, PC cashier, Zhipay POS, code scanning box, dynamic code

5)是否退款：是or否5) Whether to refund: yes or no

6)是否支持子订单：是or否6) Whether to support sub-orders: yes or no

由于参数众多，为降低用户的选择焦虑，优先对已对接的用户行为习惯进行分析，将用户分为9类，同时定义了9套基础行业模板，用户可以根据类型简介一键式简便签约，同时也支持用户自定义修改模板以进行个性化定制。Due to the large number of parameters, in order to reduce the user's choice anxiety, the priority is to analyze the connected user behavior and habits, and the users are divided into 9 categories. At the same time, 9 sets of basic industry templates are defined. It also supports user-defined modification templates for personalization.

1、线上支付电商平台，如外卖平台、网络零售平台1. Online payment e-commerce platforms, such as takeaway platforms and online retail platforms

固定选项：网络特约商户+系统交互+单一柜台收银+H5\App\网银\PC收银Fixed options: online special merchant + system interaction + single counter cashier + H5\App\Internet banking\PC cashier

可选变量：退款、子订单、在线签约、自动缴费、消费券等营销活动Optional variables: marketing activities such as refunds, sub-orders, online signing, automatic payment, consumption coupons, etc.

2、线下支付大中型新型商场，如商场、超市2. Offline payment for large and medium-sized new shopping malls, such as shopping malls and supermarkets

固定选项：网络特约商户+系统交互+多柜台机集中收银+智付POS\扫码盒\动态码Fixed options: online special merchant + system interaction + multi-counter centralized cashier + smart payment POS \ scan code box \ dynamic code

可选变量：退款、子订单、在线签约、自动缴费、消费券等营销活动Optional variables: marketing activities such as refunds, sub-orders, online signing, automatic payment, consumption coupons, etc.

3、线下支付新型连锁品牌，如连锁便利店、连锁餐饮店3. Offline payment of new chain brands, such as chain convenience stores, chain restaurants

固定选项：网络特约商户+系统交互+多柜台机分散收银+扫码盒\动态码Fixed options: network special merchant + system interaction + multi-counter decentralized cashier + scan code box\dynamic code

可选变量：退款、子订单、在线签约、自动缴费、消费券等营销活动Optional variables: marketing activities such as refunds, sub-orders, online signing, automatic payment, consumption coupons, etc.

4、二维码收单小型市场，如小摊位、菜市场4. QR code receipt for small markets, such as small stalls and vegetable markets

固定选项：网络特约商户+非系统交互+多柜台机集中收银+静态码Fixed options: online special merchant + non-system interaction + multi-counter centralized cashier + static code

可选变量：自动缴费Optional variable: automatic payment

5、线下支付大中型传统市场，如景区5. Offline payment for large and medium-sized traditional markets, such as scenic spots

固定选项：实体商户+系统交互+多柜台机集中收银+POS刷卡\扫码Fixed options: physical merchant + system interaction + multi-counter centralized cashier + POS card swipe\scan code

可选变量：退款、在线签约、自动缴费、消费券等营销活动Optional variables: marketing activities such as refunds, online signing, automatic payment, consumption coupons, etc.

6、线下支付传统连锁品牌，如连锁服装店6. Offline payment for traditional chain brands, such as chain clothing stores

固定选项：实体商户+系统交互+多柜台机分散收银+POS刷卡\扫码Fixed options: physical merchant + system interaction + multi-counter decentralized cashier + POS card swipe\scan code

可选变量：退款、在线签约、自动缴费、消费券等营销活动Optional variables: marketing activities such as refunds, online signing, automatic payment, consumption coupons, etc.

7、线下支付小型市场，如美食城、缴费终端7. Offline payment small market, such as food court, payment terminal

固定选项：实体商户+非系统交互+多柜台机分散收银+POS刷卡\扫码Fixed options: physical merchant + non-system interaction + multi-counter decentralized cashier + POS card swipe\scan code

可选变量：自动缴费、消费券等营销活动Optional variables: marketing activities such as automatic payment, consumption coupons, etc.

8、分账金额可变旅游平台，如短租、酒店8. Travel platforms with variable amount of split accounts, such as short-term rentals, hotels

固定选项：在途模式+系统交互Fixed option: On-the-go mode + system interaction

可选变量：商户类型、系统交互、收银方式、自动缴费、消费券等营销活动Optional variables: merchant type, system interaction, cashier method, automatic payment, consumer coupons and other marketing activities

9、支持三级结构的用工撮合平台，如人力资源服务企业9. Employment matching platforms that support a three-tier structure, such as human resource service companies

固定选项：联动下划+网络特约商户+系统交互+单一柜台收银+H5\App\网银\PC收银Fixed options: Linked down stroke + online special merchant + system interaction + single counter cashier + H5\App\Internet banking\PC cashier

可选变量：退款、子订单、在线签约、自动缴费、消费券等营销活动Optional variables: marketing activities such as refunds, sub-orders, online signing, automatic payment, consumption coupons, etc.

因此，用户在平台内签约市场时即需选择其类型，平台弹出与该类型对应的市场级分账策略列表并显示，以供用户选择选项。此外，用户可以编辑分账策略，例如上述固定选项用户不可调，但是可选变量中用户可以选择配置。Therefore, users need to select their type when they sign up for a market on the platform, and the platform pops up a list of market-level account splitting strategies corresponding to the type and displays them for users to choose options. In addition, the user can edit the account splitting strategy, for example, the above fixed options are not adjustable by the user, but the user can choose to configure the optional variables.

上述实施例所提供的方法，预先设置了多套基础行业模板，将专业市场用户对接的形式定义为多组参数，同时针对每个分账策略设置固定选项和可选变量，用户可自适应配置，以此适应多变的业务场景。In the method provided by the above embodiment, multiple sets of basic industry templates are preset, and the form of professional market user docking is defined as multiple sets of parameters, and fixed options and optional variables are set for each account sharing strategy, and the user can configure it adaptively. This adapts to changing business scenarios.

参见图3，示出了根据本发明实施例的另一种可选的分账管理方法流程示意图，包括如下步骤：Referring to FIG. 3, a schematic flowchart of another optional account splitting management method according to an embodiment of the present invention is shown, including the following steps:

S301：接收对平台中一已签约市场的分账请求，根据所述市场的编号，从支付订单组件中获取所述市场在前一时间段内的订单记录；S301: Receive an account splitting request for a contracted market in the platform, and obtain the order record of the market in the previous time period from the payment order component according to the market number;

S302：确定所述订单记录中的交易总额，以从银行收单组件的合约账户中，将所述交易总额调账至平台的合约账户中；S302: Determine the total transaction amount in the order record, so as to transfer the total transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

S303：解析一订单记录中的流水字段，得到附加项信息、优惠信息和商家信息，并确定与所述商家信息中商家编号对应的商家级分账策略；S303: Parse a flow field in an order record, obtain additional item information, preferential information and merchant information, and determine a merchant-level account splitting strategy corresponding to the merchant number in the merchant information;

S304：利用所述市场级分账策略和所述商家级分账策略，结合所述附加项信息和所述优惠信息，对所述一订单记录中的交易金额进行分账管理，得到对商家的分账明细；S304: Using the market-level account splitting strategy and the merchant-level account splitting strategy, in combination with the additional item information and the preferential information, perform ledger splitting management on the transaction amount in the one order record, and obtain split ledger details for the merchant;

S305：在达到清算日期时，将所述分账金额存储至所述商家的虚拟账户中，并更新所述虚拟账户中的账户余额；S305: when the settlement date is reached, store the split amount in the merchant's virtual account, and update the account balance in the virtual account;

S306：在达到预定时间点或所述账户余额达到预定数值时，将所述账户余额从所述虚拟账户转账至所述商家的结算账户中；其中，虚拟账户与结算账户具有绑定关系。S306: When a predetermined time point is reached or the account balance reaches a predetermined value, transfer the account balance from the virtual account to the settlement account of the merchant; wherein the virtual account and the settlement account have a binding relationship.

上述实施方式中，对于步骤S301和S302可参见图1所示步骤S101和S102的描述，在此不再赘述。In the above embodiment, for steps S301 and S302, reference may be made to the description of steps S101 and S102 shown in FIG. 1 , and details are not repeated here.

上述实施方式中，对于步骤S303和S304，分账时除了考虑市场级分账策略外，还需考虑该市场下商家级的分账策略。对于商家级分账策略选择方式与市场级分账策略选择方式相似，在此不再赘述。In the above embodiment, for steps S303 and S304, in addition to the market-level account-splitting strategy, the merchant-level account-splitting strategy in the market also needs to be considered when splitting accounts. The selection method of the merchant-level account splitting strategy is similar to that of the market-level account splitting strategy, and will not be repeated here.

日终清算自动任务处理的是对比对结果为对平的订单记录，按照分账规则生成分账明细，其步骤规则如下：The automatic task of day-end clearing deals with the order records whose comparison result is equal, and generates the account details according to the account split rules. The steps and rules are as follows:

1)支付订单处理规则：扫描符合条件(网银流水状态已结、清算状态为初始、记账状态为担保台账记账成功/未记账、市场编号、交易日期小于当天)的支付订单数据。1) Payment order processing rules: Scan the payment order data that meets the conditions (the online banking status is closed, the liquidation status is initial, the bookkeeping status is the guarantee account bookkeeping successful/unbooked, the market number, and the transaction date is less than the current day).

2)解析压缩字段：解析支付流水的压缩字段，获取附加项信息、优惠信息(如优惠券、红包、满减)、参与方信息(通常为商家信息)，为创建分账明细、清算明细做数据准备。2) Parse the compressed field: parse the compressed field of the payment flow to obtain additional item information, preferential information (such as coupons, red envelopes, full discount), participant information (usually merchant information), and create data for the creation of account details and settlement details. Prepare.

3)创建分账明细：解析压缩字段，获取参与方信息，根据参与方信息生成分账明细。3) Create sub-account details: parse the compressed fields, obtain participant information, and generate sub-account details based on the participant information.

i计算分账金额：i Calculate the split amount:

①分账金额＝消费者支付金额+优惠金额(消费券金额+积分金额+红包金额)。①Amount of split account = amount paid by consumers + amount of discount (amount of consumption coupons + amount of points + amount of red envelopes).

上述计算方式是在市场提供优惠信息的前提下进行的，因专业市场用户做活动等因素，存在某笔订单的金额组成包括消费者支付的收单金额、市场红包金额、消费券金额，其中红包金额是需要在日终分账时从市场方账户里获取的，即需将收单金额之外的待分账资金归集到本平台的合约账户中。例如某件商品销售100元，市场提供满100减10元的优惠信息，用户实际付款为90元，但实际商家需收款100元，则剩余的10元需从市场的账户中获取。The above calculation method is carried out on the premise that the market provides preferential information. Due to factors such as professional market users doing activities, the amount of an order includes the amount paid by consumers, the amount of market red envelopes, and the amount of consumer coupons, of which red envelopes. The amount needs to be obtained from the market account at the end of the day, that is, the funds to be distributed other than the receiving amount need to be collected into the contract account of this platform. For example, if a product sells for 100 yuan, the market provides discount information of 10 yuan minus 10 yuan, the actual payment of the user is 90 yuan, but the actual merchant needs to collect 100 yuan, and the remaining 10 yuan needs to be obtained from the market account.

但对于商家提供优惠信息的情况，此时直接将消费者支付金额作为分账金额。例如上述满100减10元的优惠信息由商家提供，因而市场不参与该优惠活动。However, in the case where the merchant provides preferential information, the amount paid by the consumer is directly used as the split amount. For example, the above-mentioned preferential information of 10 yuan minus 10 yuan is provided by the merchant, so the market does not participate in the preferential activity.

③参与方金额为空时根据总分账金额和分账规则计算分账金额。③ When the participant amount is empty, the split amount will be calculated according to the total split amount and split rules.

④如果该分账方存在部分退款，则分账金额＝原分账金额-部分退款金额。④ If there is a partial refund for the account splitter, the split amount = original split amount - partial refund amount.

ii计算分账日期：ii Calculate the split date:

①该笔支付流水当日做了提前分账，清算日期＝当前日期。①The account is divided in advance on the day of the payment, and the settlement date = the current date.

②该笔支付流水送了分账日期，清算日期＝支付流水上送的分账日期。②The payment flow water has sent the account split date, and the settlement date = the account split date sent by the payment flow water.

③如果该分账方的商家已经解约，清算日期＝当前日期。③ If the merchant of the account-sharing party has terminated the contract, the settlement date = the current date.

④如果该市场已经解约，清算日期＝当前日期。④ If the market has been terminated, the settlement date = the current date.

⑤均不满足以上条件则按分账规则计算分账日期。⑤ If none of the above conditions are met, the account splitting date will be calculated according to the splitting rules.

⑥所有计算出的分账日期应与当前日期进行比较，若计算出的分账日期小于当前日期则分账日期＝当前日期。⑥All calculated splitting dates should be compared with the current date. If the calculated splitting date is less than the current date, the splitting date = the current date.

除此之外，若该商家存在退款订单，则需要对分账金额进行调账处理，具体地，查询退款信息，解析退款流水压缩字段，构造减项退款信息和参与方退款信息。例如原计算得到的分账金额为100元，但存在一退款订单的退款金额为50元，则将100-50＝50元作为实际应分账给该商家的分账金额。In addition, if the merchant has a refund order, the amount of the split account needs to be adjusted. Specifically, the refund information is queried, the refund flow compression field is parsed, and the subtraction refund information and participant refund information are constructed. . For example, the originally calculated split amount is 100 yuan, but there is a refund order with a refund amount of 50 yuan, then 100-50=50 yuan is used as the actual split amount that should be split to the merchant.

另外还可以创建减项明细：解析压缩字段，获取附加项信息，附加项类型是减项并且存在联动扣减账号的附加项生成减项明细；若该支付流水的减项存在部分退款，减项明细的金额＝原减项金额-部分退款的减项金额。In addition, you can also create deduction details: parse the compressed field to obtain additional item information. The additional item type is deduction and there is an additional item with a linked deduction account to generate deduction details; if there is a partial refund for the deduction in the payment flow, the deduction Amount of item details = original deduction amount - deduction amount for partial refund.

对于步骤S305和S306，截止到当前自动任务，所有的待分账资金已全部归集到了本平台的合约账户中，但这些待分账资金的归属方为各个商家，所以需预先为每一个商家均设置一个虚拟账户，以将待分账资金记录到各个虚拟账户中。此时可以采用批量记账方式，提高记账速度。For steps S305 and S306, up to the current automatic task, all the funds to be distributed have been collected into the contract account of this platform, but the owners of these funds to be distributed are various merchants, so it is necessary to set the settings for each merchant in advance A virtual account to record the funds to be split into each virtual account. At this time, the batch accounting method can be adopted to improve the accounting speed.

汇总记账成功的清算明细，生成待分账信息；对清算日期小于等于当前日期的数据做提现处理。查询每个虚拟账户中的可用余额(有些余额的可用日期在当前日期之后)，然后将这些可用余额转账至商家指定的结算账户中，实现日终提现自动任务。Summarize the clearing details of successful bookkeeping, and generate the information to be split; perform cash withdrawal processing for the data whose clearing date is less than or equal to the current date. Query the available balance in each virtual account (the available date of some balances is after the current date), and then transfer these available balances to the settlement account designated by the merchant to realize the automatic task of end-of-day cash withdrawal.

上述实施例所提供的方法，将分账任务拆分为多个自动任务，每个任务可以处理独立事件，以灵活应对复杂多变的分账业务场景，如果有新需求，可以更好的应对其变化。The method provided by the above embodiment divides the account splitting task into multiple automatic tasks, each task can handle independent events, so as to flexibly respond to complex and changeable account splitting business scenarios, and if there are new requirements, it can better cope with its changes. .

参见图4，示出了本发明实施例提供的一种分账管理装置400的主要模块示意图，包括：Referring to FIG. 4 , a schematic diagram of main modules of an accountsplitting management device 400 provided by an embodiment of the present invention is shown, including:

接收模块401，用于接收对平台中一已签约市场的分账请求，根据所述市场的编号，从支付订单组件中获取所述市场在前一时间段内的订单记录；The receivingmodule 401 is used for receiving an account splitting request to a signed market in the platform, and according to the serial number of the market, obtains the order record of the market in the previous time period from the payment order component;

调账模块402，用于确定所述订单记录中的交易总额，以从银行收单组件的合约账户中，将所述交易总额调账至平台的合约账户中；Anaccount adjustment module 402, configured to determine the total transaction amount in the order record, so as to reconcile the transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

分账模块403，用于利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细。Theaccount splitting module 403 is configured to process the total transaction amount by using a market-level account splitting strategy corresponding to the market, and obtain account splitting details.

本发明实施装置中，所述订单记录处于对平状态；In the implementation device of the present invention, the order record is in a leveling state;

所述方法还包括比对模块404(图中未标出)，用于：The method also includes a comparison module 404 (not marked in the figure) for:

根据所述市场的编号，从银行收单组件中获取所述市场在所述前一时间段内的对账单；其中，对账单用于记录已到账的支付交易信息；According to the serial number of the market, obtain the statement of the market in the previous time period from the bank acquiring component; wherein, the statement is used to record the payment transaction information that has been received;

比对所述对账单和所述订单记录中相同流水号的交易金额是否相同，若相同，则将比对结果记录为对平状态，否则记录为不平状态。Compare whether the transaction amounts of the same serial number in the statement and the order record are the same, and if they are the same, the comparison result is recorded as an even state, otherwise, it is recorded as an uneven state.

本发明实施装置还包括第一选择模块405(图中未标出)，用于：The implementation device of the present invention further includes a first selection module 405 (not marked in the figure), which is used for:

响应于对所述市场的类型选择操作，提取与市场类型对应的市场级分账策略列表并显示，将所选择的市场级分账策略作为所述市场的市场级分账策略。In response to the type selection operation for the market, a list of market-level account sharing strategies corresponding to the market type is extracted and displayed, and the selected market-level account sharing strategy is used as the market-level account sharing strategy of the market.

本发明实施装置中，市场类型至少包括：线上支付电商平台、线下支付大中型新型商场、线下支付新型连锁品牌、二维码收单小型市场、线下支付大中型传统市场、线下支付传统连锁品牌、线下支付小型市场、分账金额可变旅游平台和支持三级结构的用工撮合平台。In the implementation device of the present invention, the market types at least include: online payment e-commerce platforms, offline payment large and medium-sized new shopping malls, offline payment new chain brands, two-dimensional code acquiring small markets, offline payment large and medium-sized traditional markets, online payment Offline payment for traditional chain brands, offline payment for small markets, travel platforms with variable amount of split accounts, and employment matching platforms that support a three-tier structure.

本发明实施装置中，所述分账模块403，用于：In the implementation device of the present invention, theaccount splitting module 403 is used for:

解析一订单记录中的流水字段，得到附加项信息、优惠信息和商家信息，并确定与所述商家信息中商家编号对应的商家级分账策略；Analyzing the flow field in an order record, obtaining additional item information, preferential information and merchant information, and determining a merchant-level account splitting strategy corresponding to the merchant number in the merchant information;

利用所述市场级分账策略和所述商家级分账策略，结合所述附加项信息和所述优惠信息，对所述一订单记录中的交易金额进行分账管理，得到对商家的分账明细。Using the market-level account-splitting strategy and the merchant-level account-splitting strategy, combined with the additional item information and the preferential information, the transaction amount in the one order record is divided into accounts to obtain the detailed accounts of the merchant.

本发明实施装置还包括第二选择模块406(图中未标出)，用于：The implementation device of the present invention further includes a second selection module 406 (not marked in the figure), which is used for:

响应于对所述商家的类型选择操作，提取与商家类型对应的商家级分账策略列表并显示，将所选择的商家级分账策略作为所述商家的商家级分账策略。In response to the type selection operation for the merchant, a list of merchant-level account sharing strategies corresponding to the merchant type is extracted and displayed, and the selected merchant-level account sharing strategy is used as the merchant-level account sharing strategy of the merchant.

本发明实施装置中，所述分账模块403，用于：In the implementation device of the present invention, theaccount splitting module 403 is used for:

若所述优惠信息与所述商家关联，则将所述交易金额作为对所述商家的分账金额；或If the preferential information is associated with the merchant, use the transaction amount as the amount to be shared with the merchant; or

若所述优惠信息与所述市场关联，则将所述交易金额与所述优惠信息中的优惠金额之和，作为对所述商家的分账金额。If the preferential information is associated with the market, the sum of the transaction amount and the preferential amount in the preferential information is taken as the amount to be shared with the merchant.

本发明实施装置还包括调整模块407(图中未标出)，用于：The implementation device of the present invention further includes an adjustment module 407 (not marked in the figure) for:

若存在与所述商家对应的退单记录，则获取所述退单记录中的退单金额，将所述分账金额与所述退单金额的差值作为对所述商家的分账金额。If there is a chargeback record corresponding to the merchant, the chargeback amount in the chargeback record is obtained, and the difference between the split amount and the chargeback amount is used as the split amount for the merchant.

本发明实施装置还包括清算日期模块408(图中未标出)，用于：The implementation device of the present invention further includes a settlement date module 408 (not shown in the figure), which is used for:

若所述一订单记录中的流水字段包括分账日期，则将所述分账日期作为对所述分账金额的清算日期；或If the flow field in the one order record includes an account split date, use the account split date as the settlement date for the split amount; or

若所述商家和/或所述市场已解约、或所述订单记录已做分账，则将当前日期作为对所述分账金额的清算日期；或If the merchant and/or the marketplace has terminated the contract, or the order record has been split, use the current date as the settlement date for the split amount; or

使用分账规则计算分账日期，若计算得到的分账日期小于当前日期，则将当前日期作为对所述分账金额的清算日期，否则将所得分账日期作为对所述分账金额的清算日期。The account splitting date is calculated using the ledger splitting rules. If the calculated splitting date is less than the current date, the current date is used as the settlement date for the split amount; otherwise, the resulting split date is taken as the settlement date for the split amount.

本发明实施装置还包括提现模块409(图中未标出)，用于：The implementation device of the present invention further includes a withdrawal module 409 (not marked in the figure), which is used for:

在达到清算日期时，将所述分账金额存储至所述商家的虚拟账户中，并更新所述虚拟账户中的账户余额；When the settlement date is reached, store the split amount in the merchant's virtual account, and update the account balance in the virtual account;

在达到预定时间点或所述账户余额达到预定数值时，将所述账户余额从所述虚拟账户转账至所述商家的结算账户中；其中，虚拟账户与结算账户具有绑定关系。When a predetermined time point is reached or the account balance reaches a predetermined value, the account balance is transferred from the virtual account to the settlement account of the merchant; wherein the virtual account and the settlement account have a binding relationship.

另外，在本发明实施例中所述装置的具体实施内容，在上面所述方法中已经详细说明了，故在此重复内容不再说明。In addition, the specific implementation content of the device in the embodiment of the present invention has been described in detail in the above-mentioned method, so the repeated content will not be described here.

图5示出了可以应用本发明实施例的示例性系统架构500。FIG. 5 illustrates anexemplary system architecture 500 in which embodiments of the present invention may be applied.

如图5所示，系统架构500可以包括终端设备501、502、503，网络504和服务器505(仅仅是示例)。网络504用以在终端设备501、502、503和服务器505之间提供通信链路的介质。网络504可以包括各种连接类型，例如有线、无线通信链路或者光纤电缆等等。As shown in Figure 5, thesystem architecture 500 may includeend devices 501, 502, 503, anetwork 504, and a server 505 (just an example). Thenetwork 504 is a medium used to provide a communication link between theterminal devices 501 , 502 , 503 and theserver 505 .Network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

用户可以使用终端设备501、502、503通过网络504与服务器505交互，以接收或发送消息等。终端设备501、502、503上可以安装有各种通讯用户端应用。The user can use theterminal devices 501, 502, 503 to interact with theserver 505 through thenetwork 504 to receive or send messages and the like. Various communication client applications may be installed on theterminal devices 501 , 502 and 503 .

终端设备501、502、503可以是具有显示屏并且支持网页浏览的各种电子设备，服务器505可以是提供各种服务的服务器。Theterminal devices 501, 502, and 503 may be various electronic devices having a display screen and supporting web browsing, and theserver 505 may be a server that provides various services.

需要说明的是，本发明实施例所提供的方法一般由服务器505执行，相应地，装置一般设置于服务器505中。It should be noted that, the method provided by the embodiment of the present invention is generally executed by theserver 505 , and accordingly, the apparatus is generally set in theserver 505 .

应该理解，图5中的终端设备、网络和服务器的数目仅仅是示意性的。根据实现需要，可以具有任意数目的终端设备、网络和服务器。It should be understood that the numbers of terminal devices, networks and servers in FIG. 5 are only illustrative. There can be any number of terminal devices, networks and servers according to implementation needs.

下面参考图6，其示出了适于用来实现本发明实施例的终端设备的计算机系统600的结构示意图。图6示出的终端设备仅仅是一个示例，不应对本发明实施例的功能和使用范围带来任何限制。Referring to FIG. 6 below, it shows a schematic structural diagram of acomputer system 600 suitable for implementing a terminal device according to an embodiment of the present invention. The terminal device shown in FIG. 6 is only an example, and should not impose any limitations on the functions and scope of use of the embodiments of the present invention.

如图6所示，计算机系统600包括中央处理单元(CPU)601，其可以根据存储在只读存储器(ROM)602中的程序或者从存储部分608加载到随机访问存储器(RAM)603中的程序而执行各种适当的动作和处理。在RAM 603中，还存储有系统600操作所需的各种程序和数据。CPU 601、ROM 602以及RAM 603通过总线604彼此相连。输入/输出(I/O)接口605也连接至总线604。As shown in FIG. 6, acomputer system 600 includes a central processing unit (CPU) 601, which can be loaded into a random access memory (RAM) 603 according to a program stored in a read only memory (ROM) 602 or a program from astorage section 608 Instead, various appropriate actions and processes are performed. In theRAM 603, various programs and data necessary for the operation of thesystem 600 are also stored. TheCPU 601 , theROM 602 , and theRAM 603 are connected to each other through abus 604 . An input/output (I/O)interface 605 is also connected tobus 604 .

以下部件连接至I/O接口605：包括键盘、鼠标等的输入部分606；包括诸如阴极射线管(CRT)、液晶显示器(LCD)等以及扬声器等的输出部分607；包括硬盘等的存储部分608；以及包括诸如LAN卡、调制解调器等的网络接口卡的通信部分609。通信部分609经由诸如因特网的网络执行通信处理。驱动器610也根据需要连接至I/O接口605。可拆卸介质611，诸如磁盘、光盘、磁光盘、半导体存储器等等，根据需要安装在驱动器610上，以便于从其上读出的计算机程序根据需要被安装入存储部分608。The following components are connected to the I/O interface 605: aninput section 606 including a keyboard, a mouse, etc.; anoutput section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; astorage section 608 including a hard disk, etc. ; and acommunication section 609 including a network interface card such as a LAN card, a modem, and the like. Thecommunication section 609 performs communication processing via a network such as the Internet. Adrive 610 is also connected to the I/O interface 605 as needed. Aremovable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is mounted on thedrive 610 as needed so that a computer program read therefrom is installed into thestorage section 608 as needed.

特别地，根据本发明公开的实施例，上文参考流程图描述的过程可以被实现为计算机软件程序。例如，本发明公开的实施例包括一种计算机程序产品，其包括承载在计算机可读介质上的计算机程序，该计算机程序包含用于执行流程图所示的方法的程序代码。在这样的实施例中，该计算机程序可以通过通信部分609从网络上被下载和安装，和/或从可拆卸介质611被安装。在该计算机程序被中央处理单元(CPU)601执行时，执行本发明的系统中限定的上述功能。In particular, the processes described above with reference to the flowcharts may be implemented as computer software programs in accordance with the disclosed embodiments of the present invention. For example, embodiments disclosed herein include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the method illustrated in the flowchart. In such an embodiment, the computer program may be downloaded and installed from the network via thecommunication portion 609 and/or installed from theremovable medium 611 . When the computer program is executed by the central processing unit (CPU) 601, the above-described functions defined in the system of the present invention are performed.

需要说明的是，本发明所示的计算机可读介质可以是计算机可读信号介质或者计算机可读存储介质或者是上述两者的任意组合。计算机可读存储介质例如可以是——但不限于——电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。计算机可读存储介质的更具体的例子可以包括但不限于：具有一个或多个导线的电连接、便携式计算机磁盘、硬盘、随机访问存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑磁盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。在本发明中，计算机可读存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。而在本发明中，计算机可读的信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了计算机可读的程序代码。这种传播的数据信号可以采用多种形式，包括但不限于电磁信号、光信号或上述的任意合适的组合。计算机可读的信号介质还可以是计算机可读存储介质以外的任何计算机可读介质，该计算机可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。计算机可读介质上包含的程序代码可以用任何适当的介质传输，包括但不限于：无线、电线、光缆、RF等等，或者上述的任意合适的组合。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 above two. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus or device, or a combination of any of the above. More specific examples of computer readable storage media may include, but are not limited to, electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read only memory (ROM), erasable Programmable read only memory (EPROM or flash memory), fiber optics, portable compact disk read only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing. 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, carrying computer-readable program code therein. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. A computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device . Program code embodied on a computer readable medium may be transmitted using any suitable medium including, but not limited to, wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

附图中的流程图和框图，图示了按照本发明各种实施例的系统、方法和计算机程序产品的可能实现的体系架构、功能和操作。在这点上，流程图或框图中的每个方框可以代表一个模块、程序段、或代码的一部分，上述模块、程序段、或代码的一部分包含一个或多个用于实现规定的逻辑功能的可执行指令。也应当注意，在有些作为替换的实现中，方框中所标注的功能也可以以不同于附图中所标注的顺序发生。例如，两个接连地表示的方框实际上可以基本并行地执行，它们有时也可以按相反的顺序执行，这依所涉及的功能而定。也要注意的是，框图或流程图中的每个方框、以及框图或流程图中的方框的组合，可以用执行规定的功能或操作的专用的基于硬件的系统来实现，或者可以用专用硬件与计算机指令的组合来实现。The flowchart and block diagrams in the Figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code that contains one or more logical functions for implementing the specified functions executable instructions. It should also be noted that, in some alternative implementations, the functions noted in the blocks 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 the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It is also noted that each block of the block diagrams or flowchart illustrations, and combinations of blocks in the block diagrams or flowchart illustrations, can be implemented in special purpose hardware-based systems that perform the specified functions or operations, or can be implemented using A combination of dedicated hardware and computer instructions is implemented.

描述于本发明实施例中所涉及到的模块可以通过软件的方式实现，也可以通过硬件的方式来实现。所描述的模块也可以设置在处理器中，例如，可以描述为：一种处理器包括接收模块、调账模块、分账模块。其中，这些模块的名称在某种情况下并不构成对该模块本身的限定，例如，分账模块还可以被描述为“分账管理模块”。The modules involved in the embodiments of the present invention may be implemented in a software manner, and may also be implemented in a hardware manner. The described module can also be set in the processor, for example, it can be described as: a processor includes a receiving module, an account adjustment module, and an account distribution module. Wherein, the names of these modules do not constitute a limitation on the module itself under certain circumstances, for example, the account splitting module can also be described as "account splitting management module".

作为另一方面，本发明还提供了一种计算机可读介质，该计算机可读介质可以是上述实施例中描述的设备中所包含的；也可以是单独存在，而未装配入该设备中。上述计算机可读介质承载有一个或者多个程序，当上述一个或者多个程序被一个该设备执行时，使得该设备包括：As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or may exist alone without being assembled into the device. The above-mentioned computer-readable medium carries one or more programs, and when the above-mentioned one or more programs are executed by a device, the device includes:

接收对平台中一已签约市场的分账请求，根据所述市场的编号，从支付订单组件中获取所述市场在前一时间段内的订单记录；Receive an account split request for a contracted market in the platform, and obtain the order record of the market in the previous time period from the payment order component according to the market number;

确定所述订单记录中的交易总额，以从银行收单组件的合约账户中，将所述交易总额调账至平台的合约账户中；Determine the total transaction amount in the order record, so as to transfer the transaction amount from the contract account of the bank acquiring component to the contract account of the platform;

利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细。The total transaction amount is processed by using a market-level account splitting strategy corresponding to the market to obtain account splitting details.

根据本发明实施例的技术方案，设计了适应多场景的分账管理办法，能够高效对应市场和商家的多变分账策略，用户对接简单，保证业务适配的灵活性以及快速开发实现，提高了分账管理的智能化、实时性和实用性。在为市场管理方/平合方提供“统一收款+向下分账”服务的同时，满足监管部门对防范潜在交易信息篡改、资金挪用道德风险的要求，又能保障消费者权益、维护经济和社会稳定。According to the technical solutions of the embodiments of the present invention, an account splitting management method suitable for multiple scenarios is designed, which can efficiently correspond to the multivariate account splitting strategies of the market and merchants, the user connection is simple, the flexibility of business adaptation and the rapid development and realization are ensured, and the ledger splitting is improved. Intelligent, real-time and practical management. While providing the service of "unified collection + downward sharing of accounts" for the market management party/balanced party, it can meet the requirements of the regulatory authorities to prevent potential transaction information tampering and capital misappropriation. social stability.

上述具体实施方式，并不构成对本发明保护范围的限制。本领域技术人员应该明白的是，取决于设计要求和其他因素，可以发生各种各样的修改、组合、子组合和替代。任何在本发明的精神和原则之内所作的修改、等同替换和改进等，均应包含在本发明保护范围之内。The above-mentioned specific embodiments do not constitute a limitation on the protection scope of the present invention. It should be understood by 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 principle of the present invention shall be included within the protection scope of the present invention.

Claims (13)

Translated fromChinese

1.一种分账管理方法，其特征在于，包括：1. a method for dividing accounts, is characterized in that, comprises:接收对平台中一已签约市场的分账请求，根据所述市场的编号，从支付订单组件中获取所述市场在前一时间段内的订单记录；Receive an account split request for a contracted market in the platform, and obtain the order record of the market in the previous time period from the payment order component according to the market number;确定所述订单记录中的交易总额，以从银行收单组件的合约账户中，将所述交易总额调账至平台的合约账户中；Determine the total transaction amount in the order record, so as to transfer the transaction amount from the contract account of the bank acquiring component to the contract account of the platform;利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细。The total transaction amount is processed by using a market-level account splitting strategy corresponding to the market to obtain account splitting details.2.根据权利要求1所述的方法，其特征在于，所述订单记录处于对平状态；2. The method according to claim 1, wherein the order record is in a leveling state;在所述确定所述订单记录中的交易总额之前，还包括：Before the determining of the total transaction amount in the order record, the method further includes:根据所述市场的编号，从银行收单组件中获取所述市场在所述前一时间段内的对账单；其中，对账单用于记录已到账的支付交易信息；According to the serial number of the market, obtain the statement of the market in the previous time period from the bank acquiring component; wherein, the statement is used to record the payment transaction information that has been received;比对所述对账单和所述订单记录中相同流水号的交易金额是否相同，若相同，则将比对结果记录为对平状态，否则记录为不平状态。Compare whether the transaction amounts of the same serial number in the statement and the order record are the same, and if they are the same, the comparison result is recorded as an even state, otherwise, it is recorded as an uneven state.3.根据权利要求1所述的方法，其特征在于，在所述利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细之前，还包括：3. The method according to claim 1, characterized in that, before the total transaction amount is processed by using a market-level account splitting strategy corresponding to the market to obtain account splitting details, the method further comprises:响应于对所述市场的类型选择操作，提取与市场类型对应的市场级分账策略列表并显示，将所选择的市场级分账策略作为所述市场的市场级分账策略。In response to the type selection operation for the market, a list of market-level account sharing strategies corresponding to the market type is extracted and displayed, and the selected market-level account sharing strategy is used as the market-level account sharing strategy of the market.4.根据权利要求3所述的方法，其特征在于，市场类型至少包括：线上支付电商平台、线下支付大中型新型商场、线下支付新型连锁品牌、二维码收单小型市场、线下支付大中型传统市场、线下支付传统连锁品牌、线下支付小型市场、分账金额可变旅游平台和支持三级结构的用工撮合平台。4. The method according to claim 3, wherein the market types at least include: online payment e-commerce platforms, offline payment large and medium-sized new shopping malls, offline payment new chain brands, two-dimensional code acquiring small markets, Offline payment for large and medium-sized traditional markets, offline payment for traditional chain brands, offline payment for small markets, travel platforms with variable amount of split accounts, and employment matching platforms that support a three-tier structure.5.根据权利要求1所述的方法，其特征在于，所述利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细，包括：5. The method according to claim 1, characterized in that, using a market-level account splitting strategy corresponding to the market to process the total transaction amount to obtain account splitting details, comprising:解析一订单记录中的流水字段，得到附加项信息、优惠信息和商家信息，并确定与所述商家信息中商家编号对应的商家级分账策略；Analyzing the flow field in an order record, obtaining additional item information, preferential information and merchant information, and determining a merchant-level account splitting strategy corresponding to the merchant number in the merchant information;利用所述市场级分账策略和所述商家级分账策略，结合所述附加项信息和所述优惠信息，对所述一订单记录中的交易金额进行分账管理，得到对商家的分账明细。Using the market-level account-splitting strategy and the merchant-level account-splitting strategy, combined with the additional item information and the preferential information, the transaction amount in the one order record is divided into accounts to obtain the detailed accounts of the merchant.6.根据权利要求5所述的方法，其特征在于，在所述确定与所述商家信息中商家编号对应的商家级分账策略之前，还包括：6. The method according to claim 5, wherein before said determining the merchant-level account splitting strategy corresponding to the merchant number in the merchant information, the method further comprises:响应于对所述商家的类型选择操作，提取与商家类型对应的商家级分账策略列表并显示，将所选择的商家级分账策略作为所述商家的商家级分账策略。In response to the type selection operation for the merchant, a list of merchant-level account sharing strategies corresponding to the merchant type is extracted and displayed, and the selected merchant-level account sharing strategy is used as the merchant-level account sharing strategy of the merchant.7.根据权利要求5所述的方法，其特征在于，所述利用所述市场级分账策略和所述商家级分账策略，结合所述附加项信息和所述优惠信息，对所述一订单记录中的交易金额进行分账管理，得到对商家的分账明细，包括：7. The method according to claim 5, characterized in that, by using the market-level account splitting strategy and the merchant-level account splitting strategy, in combination with the additional item information and the preferential information, an order record is The transaction amount in the account is divided into accounts, and the details of the accounts of the merchants are obtained, including:若所述优惠信息与所述商家关联，则将所述交易金额作为对所述商家的分账金额；或If the preferential information is associated with the merchant, use the transaction amount as the amount to be shared with the merchant; or若所述优惠信息与所述市场关联，则将所述交易金额与所述优惠信息中的优惠金额之和，作为对所述商家的分账金额。If the preferential information is associated with the market, the sum of the transaction amount and the preferential amount in the preferential information is taken as the amount to be shared with the merchant.8.根据权利要求7所述的方法，其特征在于，还包括：8. The method of claim 7, further comprising:若存在与所述商家对应的退单记录，则获取所述退单记录中的退单金额，将所述分账金额与所述退单金额的差值作为对所述商家的分账金额。If there is a chargeback record corresponding to the merchant, the chargeback amount in the chargeback record is obtained, and the difference between the split amount and the chargeback amount is used as the split amount for the merchant.9.根据权利要求7所述的方法，其特征在于，还包括：9. The method of claim 7, further comprising:若所述一订单记录中的流水字段包括分账日期，则将所述分账日期作为对所述分账金额的清算日期；或If the flow field in the one order record includes an account split date, use the account split date as the settlement date for the split amount; or若所述商家和/或所述市场已解约、或所述订单记录已做分账，则将当前日期作为对所述分账金额的清算日期；或If the merchant and/or the marketplace has terminated the contract, or the order record has been split, use the current date as the settlement date for the split amount; or使用分账规则计算分账日期，若计算得到的分账日期小于当前日期，则将当前日期作为对所述分账金额的清算日期，否则将所得分账日期作为对所述分账金额的清算日期。The account splitting date is calculated using the ledger splitting rules. If the calculated splitting date is less than the current date, the current date is used as the settlement date for the split amount; otherwise, the resulting split date is taken as the settlement date for the split amount.10.根据权利要求9所述的方法，其特征在于，在所述得到对商家的分账明细之后，还包括：10. The method according to claim 9, characterized in that, after said obtaining the details of the accounts of the merchant, it further comprises:在达到清算日期时，将所述分账金额存储至所述商家的虚拟账户中，并更新所述虚拟账户中的账户余额；When the settlement date is reached, store the split amount in the merchant's virtual account, and update the account balance in the virtual account;在达到预定时间点或所述账户余额达到预定数值时，将所述账户余额从所述虚拟账户转账至所述商家的结算账户中；其中，虚拟账户与结算账户具有绑定关系。When a predetermined time point is reached or the account balance reaches a predetermined value, the account balance is transferred from the virtual account to the settlement account of the merchant; wherein the virtual account and the settlement account have a binding relationship.11.一种分账管理装置，其特征在于，包括：11. An account-sharing management device, characterized in that, comprising:接收模块，用于接收对平台中一已签约市场的分账请求，根据所述市场的编号，从支付订单组件中获取所述市场在前一时间段内的订单记录；a receiving module, configured to receive an account splitting request for a signed market in the platform, and obtain the order record of the market in the previous time period from the payment order component according to the market number;调账模块，用于确定所述订单记录中的交易总额，以从银行收单组件的合约账户中，将所述交易总额调账至平台的合约账户中；an account adjustment module, configured to determine the total transaction amount in the order record, so as to adjust the transaction amount from the contract account of the bank acquiring component to the contract account of the platform;分账模块，用于利用与所述市场对应的市场级分账策略处理所述交易总额，得到分账明细。An account splitting module, configured to process the total transaction amount by using a market-level account splitting strategy corresponding to the market to obtain account splitting details.12.一种电子设备，其特征在于，包括：12. An electronic device, characterized in that, comprising:一个或多个处理器；one or more processors;存储装置，用于存储一个或多个程序，storage means for storing one or more programs,当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现如权利要求1-10中任一所述的方法。The 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 1-10.13.一种计算机可读介质，其上存储有计算机程序，其特征在于，所述程序被处理器执行时实现如权利要求1-10中任一所述的方法。13. A computer-readable medium on which a computer program is stored, characterized in that, when the program is executed by a processor, the method according to any one of claims 1-10 is implemented.

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