阅读说明：本技术 一种加油站智能聚合支付方法 (Intelligent gathering payment method for gas station ) 是由 慕向洲 于 2019-09-18 设计创作，主要内容包括：本发明属于支付技术领域,具体提供一种加油站智能聚合支付方法,包括：展示步骤,展示收款的信息；收款步骤,接受收到的款项；输入步骤,输入此次交易的金额；分析步骤,根据此次交易的金额,分析最佳的支付通道；推荐步骤,将分析步骤的结果进行展示；选择步骤,选择此次交易金额的支付通道；支付步骤,按照选择的支付通道进行支付。使用本方法,商家每次在付款时,都可以得到最佳支付通道的建议,按照建议选择支付通道,每个月仅交易的手续费就可以省下一笔不小的开支。(The invention belongs to the technical field of payment, and particularly provides an intelligent aggregation payment method for a gas station, which comprises the following steps: a display step, displaying the information of the collection; a collection step of receiving the received money; an input step, inputting the amount of the transaction; an analysis step, according to the amount of the transaction, the optimal payment channel is analyzed; a recommendation step of displaying the result of the analysis step; selecting a payment channel of the transaction amount; and a payment step, carrying out payment according to the selected payment channel. By using the method, the merchant can obtain the suggestion of the optimal payment channel every time when paying, the payment channel is selected according to the suggestion, and the expenditure can be saved by only trading the commission fee every month.)

1. An intelligent aggregation payment method for a gas station is characterized by comprising the following steps:

a display step, displaying the information of the collection;

a collection step of receiving the received money;

an input step, inputting the amount of the transaction;

an analysis step, according to the amount of the transaction, the optimal payment channel is analyzed;

a recommendation step of displaying the result of the analysis step;

selecting a payment channel of the transaction amount;

and a payment step, carrying out payment according to the selected payment channel.

2. The intelligent aggregated payment method at a gas station of claim 1, wherein: in the input step, the time of the transaction is also input; in the analyzing step, the optimal payment channel is analyzed according to the input transaction amount and the transaction time.

3. The intelligent aggregated payment method at a gas station of claim 1, wherein: in the recommending step, N recommended optimal payment channels are provided, and ranking is provided among the N recommended payment channels;

and a prompting step, namely prompting the merchant to reselect the payment channel when the account amount of the selected payment channel is not enough to complete the transaction, and returning to the selecting step.

4. The intelligent aggregated payment method at a gas station of claim 1, wherein: the input step is also used for inputting the money time limit; and the recommending step is also used for screening out the payment channels which do not meet the payment time limit according to the input payment time limit.

5. The intelligent aggregated payment method at a gas station of claim 1, wherein: and the method also comprises a revenue analysis step, wherein the revenue condition of the gas station is analyzed according to a preset analysis model and the payment data.

6. The intelligent aggregated payment method at a gas station of claim 5, wherein: in the revenue analysis step, the preset analysis model comprises a Logit regression model, and the revenue report is obtained by performing model calculation on the payment data according to the Logit regression model.

7. The intelligent aggregated payment method at a gas station of claim 5, wherein: in the revenue analysis step, the payment arrival data comprises payment arrival time, payment arrival amount and payment arrival oil type.

8. The intelligent aggregated payment method at a gas station of claim 1, wherein: and the method also comprises an account separating step, wherein account separation is carried out according to a preset account separating rule.

9. The intelligent aggregated payment method at a gas station of claim 8, wherein: the method also comprises a modification step of modifying the branch account rule; and in the step of splitting, splitting according to the modified splitting rule.

10. The intelligent aggregated payment method at a gasoline station of claim 9, wherein: the method also comprises a reconciliation step, which is used for checking the received money and the paid money.

Technical Field

The invention relates to the technical field of payment, in particular to an intelligent aggregation payment method for a gas station.

Background

With the development of the internet, mobile payment appears, and compared with cash payment, the mobile payment greatly improves the payment speed of customers because the processes of receiving money and making change are omitted.

However, with the maturity of mobile payment technology, the types of mobile payment are more and more, and the mainstream code scanning payment has more than ten kinds, such as WeChat, Paibao, QQ wallet, and Jingdong payment. The merchant needs to frequently switch among various third party payment channels when receiving the payment, and the convenience is poor.

Therefore, aggregate payment appears, which means that the payment service is only engaged in the payment, settlement and clearing service except the payment, settlement and clearing service, and the payment service of more than one bank, non-silver organization or clearing organization is integrated together by depending on the bank, non-silver organization or clearing organization, by means of the payment channel and clearing capacity of the bank, non-silver organization or clearing organization and by utilizing the self technology and service integration capacity. That is, the plurality of different payment channels are integrated, and the received money enters the respective payment collection account of each payment channel.

The gas station merchant only needs to display the collection voucher of the aggregated payment during collection, and does not need to switch back and forth among various third-party payment channels, so that the collection efficiency of the merchant is greatly improved.

However, after receiving money, the gas station merchant faces complicated usage rules when using the received money, and not only are the rules of commission fees different among the payment channels, but also the rules of commission and time are different in the same payment channel.

Various business behaviors such as daily purchase, maintenance, accounting, wage of staff and the like of the gas station relate to the use of the money. If the money is used according to the default payment channel, only the commission fee becomes a considerable expense each month. How to reduce the handling cost as much as possible on the premise of not delaying the daily operation of the gas station becomes a problem to be solved urgently.

Disclosure of Invention

The invention provides an intelligent aggregation payment method for a gas station, aiming at the problem that only handling fees per month become a non-small expense by using money according to a default payment channel.

The basic scheme provided by the invention is as follows:

a gas station intelligent aggregate payment method comprises the following steps:

a display step, displaying the information of the collection;

a collection step of receiving the received money;

an input step, inputting the amount of the transaction;

an analysis step, according to the amount of the transaction, the optimal payment channel is analyzed;

a recommendation step of displaying the result of the analysis step;

selecting a payment channel of the transaction amount;

and a payment step, carrying out payment according to the selected payment channel.

Basic scheme theory of operation and beneficial effect:

after the displaying step and the collection step, the merchant receives the money, when the money is required to be used, the merchant inputs the used amount, the analyzing step analyzes the commission fee paid by the amount through each payment channel according to the used amount input by the merchant, and an optimal payment channel is obtained; and then, the recommendation step displays the analysis result of the analysis step, and the merchant can select the recommended optimal payment channel to carry out the payment step in the selection step.

Therefore, the merchant can obtain the suggestion of the optimal payment channel every time when paying, and the payment channel is selected according to the suggestion, so that the expenditure can be saved by only trading the commission fee every month.

Further, in the inputting step, the time of the transaction is also input; in the analyzing step, the optimal payment channel is analyzed according to the input transaction amount and the transaction time.

Some payment channels have different payment time and different handling fees, so that the optimal payment channel can be analyzed more accurately.

Further, in the recommending step, N recommended optimal payment channels exist, and ranking is carried out among the N recommended payment channels;

and a prompting step, namely prompting the merchant to reselect the payment channel when the account amount of the selected payment channel is not enough to complete the transaction, and returning to the selecting step.

In this way, when the account amount of the first-ranked recommended payment channel is insufficient to complete the transaction, the merchant may select the second-ranked recommended payment channel for payment. Similarly, when the account amount of the second-ranked payment channel is insufficient, the third-ranked recommended payment channel can be selected.

Further, the inputting step is also used for inputting a money time limit; and the recommending step is also used for screening out the payment channels which do not meet the payment time limit according to the input payment time limit.

Because the timeliness of the payment of each payment channel is different, the payment time limit is input in the input step, and the payment channels which do not meet the payment time limit are screened out in the recommendation step, so that the condition that the operation of a gas station is influenced when the payment is not timely can be prevented.

And further, the method also comprises a revenue analysis step, wherein the revenue condition of the gas station is analyzed according to a preset analysis model and the payment data.

After analyzing the gas station revenue and earning conditions, the operator can adjust the operation thought and the specific operation method by combining the operation target of the operator.

Further, in the revenue analysis step, the preset analysis model comprises a Logit regression model, and the revenue report is obtained by performing model calculation on the payment data according to the Logit regression model.

The Logit regression model can predict not only in a sample, but also data outside the sample. Through the Logit regression model, the revenue and earning conditions of the gas station can be accurately analyzed.

Further, in the revenue analysis step, the payment arrival data includes the payment arrival time, the payment arrival amount and the oil type of the payment arrival.

Through the data, the specific revenue situation of each time period of the gas station can be comprehensively analyzed.

And further, the method also comprises an account splitting step, wherein account splitting is carried out according to a preset account splitting rule.

Therefore, the earning profits can be separated according to the preset separation rule, the transparency is high, the flow is simple, and only the separation rule discussed by each household is needed to be set.

Further, the method also comprises a modification step of modifying the branch accounting rule; and in the step of splitting, splitting according to the modified splitting rule.

Thus, when each account owner considers that the current accounting rule is not reasonable, only the accounting rule needs to be modified according to the discussed new scheme.

Further, the method also comprises a reconciliation step, wherein the received money and the paid money are checked.

In this way, the merchant can clearly understand the composition of the account.

Drawings

FIG. 1 is a flowchart of a first embodiment of an intelligent aggregated payment method for a gas station according to the present invention;

fig. 2 is a logic block diagram of a first embodiment of an intelligent aggregated payment method for a gasoline station of the present invention.

Detailed Description

The following is further detailed by way of specific embodiments: