阅读说明：本技术 聚合支付系统 (aggregated payment system ) 是由 高恒 于 2019-04-25 设计创作，主要内容包括：本发明公开了一种聚合支付系统,其包括：渠道管理模块,商户管理模块,支付管理模块；渠道管理模块用于设置/修改支付渠道的功能权限、调节渠道的开通/关闭、配置支付渠道的功能参数；商户管理模块用于存储/修改用户和商户的基本信息、调节用户参数和商户参数；支付管理模块管理、监控和存储用户的聚合支付和现金提现记录。本发明能够提高工作效率,降低出错率。(The invention discloses an aggregation payment system, which comprises: the system comprises a channel management module, a merchant management module and a payment management module; the channel management module is used for setting/modifying the function authority of the payment channel, adjusting the opening/closing of the channel and configuring the function parameters of the payment channel; the merchant management module is used for storing/modifying basic information of the user and the merchant and adjusting user parameters and merchant parameters; the payment management module manages, monitors and stores the aggregate payments and cash withdrawal records of the user. The invention can improve the working efficiency and reduce the error rate.)

1. An aggregated payment system, comprising: the system comprises a channel management module (1), a merchant management module (2) and a payment management module (3);

The channel management module (1) is used for setting/modifying the function authority of the payment channel, adjusting the opening/closing of the channel and configuring the function parameters of the payment channel; the merchant management module (2) is used for storing/modifying basic information of users and merchants and adjusting user parameters and merchant parameters; the payment management module (3) manages, monitors and stores aggregated payments and cash withdrawal records of users.

2. The aggregated payment system of claim 1, wherein: the system also comprises a report module (4), wherein the report module (4) is used for tracking the payment-for-use record, automatically generating a payment-for-use transaction list and completing merchant transaction data statistics.

3. The aggregated payment system of claim 2, wherein: the system also comprises a right management module (5), wherein the right management module (5) is used for setting, modifying and saving the system right.

4. The aggregated payment system of claim 3, wherein: the rights management module (5) further comprises a role management unit (51); the role management unit (51) is used for allocating a system role to the user and allocating a system right item to the user according to the system role.

Technical Field

The invention belongs to the technical field of information processing, and particularly relates to an aggregation payment system.

Background

with the rapid development of electronic commerce, the network payment technology is gradually popularized and matured. The existing network payment platform lacks flexibility when a merchant switches payment rights and is relatively complex in operation. Therefore, how to develop a new type of aggregate payment system, which can overcome the above problems, is a direction that needs to be studied by those skilled in the art.

Disclosure of Invention

The invention provides an aggregation payment system which can improve the working efficiency and reduce the error rate.

the specific technical scheme adopted is as follows:

An aggregated payment system, comprising: the system comprises a channel management module, a merchant management module and a payment management module; the channel management module is used for setting/modifying the function authority of the payment channel, adjusting the opening/closing of the channel and configuring the function parameters of the payment channel; the merchant management module is used for storing/modifying basic information of the user and the merchant and adjusting user parameters and merchant parameters; the payment management module manages, monitors and stores aggregated payments and cash withdrawal records for users.

Preferably, in the above aggregate payment system: the system also comprises a report module, wherein the report module is used for tracking the payment record, automatically generating a payment transaction list and completing merchant transaction data statistics.

More preferably, in the above aggregate payment system: the system also comprises a right management module which is used for setting, modifying and saving the system right.

Further preferably, in the above aggregate payment system: the right management module also comprises a role management unit; the role management unit is used for allocating system roles for the users and allocating system rights to the users according to the system roles.

By adopting the technical scheme: the problem of manual production of payment order data such as payment and wages by manpower is solved; the problem of single payment channel is solved, and the system is accessed into a plurality of payment channels and can be selected by merchants; the problems that the payment report is single in statistics, and the statistics data are troublesome to generate and time-consuming are solved; the operation threshold is reduced, and the payment and deposit operation can be accurately and quickly executed without professional finance for the payment, the work and the like; the problems of time efficiency of money deposit, long money deposit period, user experience check and the like are solved.

Compared with the prior art, the payment order generation method and the payment order generation system can liberate human resources, automatically generate the payment order, save manual editing of payment data, improve working efficiency and reduce error rate.

Drawings

The invention will be described in further detail with reference to the following detailed description and accompanying drawings:

FIG. 1 is a schematic structural view of example 1 of the present invention;

The correspondence between each reference numeral and the part name is as follows:

1. A channel management module; 2. a merchant management module; 3. a payment management module; 4. a report module; 5. a rights management module; 51. and a role management unit.

Detailed Description

In order to more clearly illustrate the technical solution of the present invention, the following will be further described with reference to various embodiments.

FIG. 1 shows example 1 of the present invention:

an aggregated payment system, comprising: the system comprises a channel management module 1, a merchant management module 2, a payment management module 3, a report module 4 and a right management module 5.

The channel management module 1 is used for setting/modifying the function authority of the payment channel, adjusting the opening/closing of the channel and configuring the function parameters of the payment channel; the merchant management module 2 is used for storing/modifying basic information of users and merchants and adjusting user parameters and merchant parameters; the payment management module 3 manages, monitors and stores aggregated payments and cash withdrawal records of users. The report module 4 is used for tracking the payment record, automatically generating a payment transaction list and completing the transaction data statistics of the merchant.

The right management module 5 is used for setting, modifying and saving system rights. The right management module 5 comprises a role management unit 51; the role management unit 51 is used for assigning a system role to the user and assigning a system right item to the user according to the system role.

In practice, the working process is as follows:

the system counts the payment information of the commercial tenant: displaying the payment amount of the current day, the number of payment strokes, and counting the service data paid in the last seven days: the number of payment strokes, the payment amount and the seven-day average payment amount; channel management: the system administrator configures and manages basic information of the third-party payment channel, and performs operations such as addition, modification, deletion and the like to update the system payment channel; the channel function: the system administrator configures a variety of functional information of the payment channel. Function type, function address, necessary parameters and other initialization information; channel opening: after the channel function configuration is completed, a payment channel and a channel function are opened for the merchant, and necessary parameter values of the channel corresponding to the merchant are configured so that the merchant can carry out payment operation; a merchant management module: managing a payment system merchant, wherein the merchant needs to use the aggregation payment system and needs to add merchant information; a user management module: adding system users for the merchants so that the merchants log in the aggregated payment system to initiate payment tasks; a merchant parameter configuration module: after adding a merchant, configuring a merchant service (payment original data) data source (database) for the merchant to request address information, and informing the address information of an asynchronous result; and (4) payment: the user enters a common list to be paid, the system pulls a list of data to be paid from a merchant configuration address, selects the list of data to be paid, submits a payment request, returns a payment result, and updates the payment state when the result is in processing, and corrects the payment information and re-initiates the payment request after the payment is cancelled when the payment is failed; and (3) aggregate payment: a user synthesizes a plurality of payment orders of the same cash register card into a piece of data to be paid, carries out payment operation on the order, and synchronously pulls a plurality of order information corresponding to the payment order for checking account; and (3) withdrawal: the excess amount in the third party payment account bound by the merchant executes transfer-out operation, and the bank card and the related information of the bank card are input, so that cash withdrawal can be executed; and (3) carrying out substitute payment statistics: counting the payment information of a user on a payment platform, and counting the payment data (bill) and the payment amount statistical information of various payment states (to be submitted, in processing, success and failure) of a merchant; paying for details: displaying the data of the payment platform knowing the order detail list; and (3) merchant statistics: counting all payment information of a merchant through a basic payment platform and a core counterpoint payment interface, and counting payment data (bill) and payment amount statistical information of various payment states (to be submitted, in processing, success and failure) of the merchant; list of transactions: displaying all payment order list information of the merchant through the basic payment platform and the core counterpoint payment interface; and checking account statements: providing merchant payment reconciliation information, reconciling with a third payment system, and providing successful statistical data every day; system configuration: configuring information such as system basic setting parameters, error dictionaries, service dictionaries and the like; system authority: configuring system function authority, system menu, request interception rule and system authority information for the system; and (3) role management: managing roles in the system, adding, deleting, modifying and checking a permission list, and setting role permission information; creating role user authority: after the affiliated user is created under the merchant, the system role is allocated to the user, and the user can be specially authorized and prohibited.

The above description is only an embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. The protection scope of the present invention is subject to the protection scope of the claims.