CN104318466B

CN104318466B - A kind of transaction system and transaction settlement method

Info

Publication number: CN104318466B
Application number: CN201410555885.1A
Authority: CN
Inventors: 袁敏良; 蓝刘华; 唐叔仁; 畅鹏; 王惟
Original assignee: SHENZHEN SINXIN INFORMATION TECHNOLOGY Co Ltd
Current assignee: SHENZHEN SINXIN INFORMATION TECHNOLOGY Co Ltd
Priority date: 2014-10-20
Filing date: 2014-10-20
Publication date: 2017-11-14
Anticipated expiration: 2034-10-20
Also published as: CN104318466A

Abstract

The invention discloses a kind of transaction system and transaction settlement method, the transaction system includes transaction terminal and cloud server, the transaction terminal is used to read the information of both parties' IC-card, the weight of acquisition tradable commodity or number of packages and dealing money and generates electronic transaction information, and it is traded clearing and judges whether to need to settle accounts commission, if it is, the transaction terminal sends commission settlement request to the cloud server；The cloud server is used for preset data table, obtains commission settlement request and electronic transaction information, and the tables of data is matched with IC-card number or commodity sign in the electronic transaction information and carries out commission clearing and stores, commission checkout result is sent to the transaction terminal.The transaction system compared with prior art, has a variety of commissions rule, and it is low to have broken away from original the dumb of fixed commission system, complex operation, trading efficiency, the various commissions rules of flexible configuration, greatly simplified configuration and the process of exchange of commission.

Description

Transaction system and transaction settlement method

Technical Field

The invention relates to a transaction system and a transaction settlement method.

Background

At present, the scale of the agricultural product wholesale market in China has never been developed. According to statistics, a wholesale network system with complete operation varieties including vegetables, seawater products, meat, flowers, fruits, grain and oil, dry and miscellaneous non-staple food, local products and the like is formed preliminarily and becomes the leading strength of agricultural product circulation. Market infrastructure is also building increasingly well. The establishment and the perfection of the wholesale market information system of agricultural products are beneficial to perfecting the functions of information acquisition, release, electronic settlement, commission calculation and the like of the wholesale market, further improve the grade of the market, develop the cross-regional logistics distribution center and enable the agricultural product market to take a new step in the construction. In many areas of China, agricultural product wholesale markets are newly built, reconstructed and expanded, the hardware construction of the markets is enhanced, infrastructure is perfected, and market trading conditions are improved. Market impact and radiation radius are gradually expanding, and many markets adopt various forms to expand market impact and popularity and move from regional scope to national large circulation. The rapid development of the wholesale market of agricultural products also sets aside some of the shortcomings of the current wholesale market. Mainly, the supporting service is relatively backward, and various auxiliary functions of unified settlement, information transmission, price form, transportation, storage, packaging, processing, distribution and the like are weak. The management mechanism is backward and the market management system is not sound. Low networking degree, unblocked information channel, low information quality, incomplete and inaccurate information-contained elements. The commission system on the market is not perfect currently, a fixed commission system is mostly adopted, commissions are mostly paid by sellers and also paid by buyers and sellers respectively, the amount of the paid commissions depends on the nature and the value of commodities, and the commissions are made by convention in some places. The commission system has the advantages of single form, poor flexibility, low efficiency and very complicated transaction, and can not meet the requirements of different customers in various aspects.

Disclosure of Invention

The technical problem to be solved by the invention is as follows: the transaction system has multiple commission settlement rules, gets rid of the inflexibility, complex operation and low transaction efficiency of the original fixed commission system, flexibly configures various commission settlement rules, greatly simplifies commission configuration and transaction process, and simultaneously improves commodity transaction efficiency.

The invention provides a transaction system, which comprises at least one transaction terminal and a cloud server,

the transaction terminal is used for reading the information of the IC cards of the two transaction parties, acquiring the weight or the number of the transaction commodities and the transaction amount, generating electronic transaction information, carrying out transaction settlement and judging whether the commission payment needs to be settled, and if so, the transaction terminal sends a commission payment settlement request to the cloud server; for receiving commission settlement results and printing documents; the electronic transaction information at least comprises IC card numbers of both transaction parties, commodity information and transaction time; the commodity information comprises at least one commodity transaction, and each commodity transaction comprises a commodity identification, transaction weight or transaction number and transaction amount;

the cloud server is used for presetting a data table, acquiring commission settlement requests and electronic transaction information, matching the data table with IC card numbers or commodity identifications in the electronic transaction information to perform commission settlement and store, and sending commission settlement results to the transaction terminal.

Preferably, the cloud server at least comprises a configuration management module, a data processing module, a data acquisition module, a settlement module, a data storage module and a data sending module;

the configuration management module is used for configuring at least one commission rule and binding the commission rule with a user level table or a commodity table; for presetting a data table, the data table having at least: IC card information table, user level table, commission rule settlement model table and commodity table;

the data processing module is used for receiving a commission settlement request and acquiring electronic transaction information of the transaction terminal; the system is used for preprocessing the electronic transaction information, and comprises the steps of summing up the commodity information and obtaining a user identifier according to the matching of an IC card number;

the data acquisition module is used for acquiring a commission rule settlement model corresponding to the IC card number or the commodity identification in the electronic transaction information according to a preset data table and the relation among the tables;

the settlement module is used for settling the commission according to the commission rule settlement model and the settlement parameter; accumulating and storing all settlement results corresponding to the same user type identifier;

the data storage module is used for storing a data table and the commission settlement result;

a data transmission module for transmitting the commission settlement result to the transaction terminal;

wherein the data acquisition module comprises:

the first data acquisition unit is used for acquiring a user level identifier and a user type identifier according to user identifier matching;

the second data acquisition unit is used for matching and acquiring a corresponding commission rule identifier according to the user level identifier or the commodity identifier;

the third data acquisition unit is used for matching and acquiring the commission sub-rule identifier according to the commission rule identifier and the user type identifier;

the fourth data acquisition unit is used for matching and acquiring all corresponding commission rule settlement models according to the commission rule identification and the settlement type;

the settlement parameter acquisition unit is used for reading all corresponding settlement parameters according to the settlement type;

the settlement module comprises:

the settlement unit is used for carrying out commission settlement according to the commission rule settlement model and the settlement parameters; accumulating and storing all settlement results corresponding to the same user type identifier;

the first judgment unit is used for judging whether all settlement parameters are processed;

the second judging unit is used for judging whether all settlement types are processed or not;

and the third judging unit is used for judging whether all the user identifications are processed.

More preferably, the settlement module further comprises a fourth judgment unit for judging whether the transaction time meets the effective time of the commission rule.

The invention also provides a transaction settlement method, which comprises the following steps:

s1, presetting at least one data table in the relational database through the cloud server;

s2, reading the information of the IC cards of the two parties of the transaction through the transaction terminal, obtaining the weight or the number of the transaction commodities and the transaction amount and generating electronic transaction information, wherein the electronic transaction information at least comprises the IC card numbers of the two parties of the transaction and commodity information; the commodity information comprises at least one commodity transaction, and each commodity transaction comprises a commodity identification, transaction weight or transaction number and transaction amount;

s3, settlement of the transaction;

s4, judging whether commission payment needs to be settled, if so, sending a commission payment settlement request to a cloud server by the transaction terminal, and entering the step S5; if not, go to step S6;

s5, acquiring commission settlement requests and electronic transaction information through the cloud server, matching the data table with the IC card number or commodity identification in the electronic transaction information, reading the corresponding commission rule settlement model for commission settlement and storing, and sending commission settlement results to the transaction terminal;

and S6, finishing settlement and printing the document.

Preferably, the preset data table has at least:

IC card information table, including IC card number and user identification;

the user table comprises a user identifier, a user level identifier and a user type identifier;

the user level table comprises a user level identifier and a commission rule identifier;

a commission rule table including a commission rule identifier, and a user type identifier;

the commission rule settlement model table comprises a commission rule settlement model identifier, a commission sub-rule identifier, a settlement type identifier, a starting number, an ending number and a commission proportion;

and the commodity table comprises a commodity identification and a commission rule identification.

Preferably, the commission settlement of step S5 includes:

s51, the cloud server configures at least one commission rule and binds the commission rule with a user level table or a commodity table;

s52, acquiring and preprocessing the electronic transaction information according to the commission settlement request; the preprocessing comprises summing up the commodity information and matching and acquiring a user identifier according to the IC card number;

s53, matching and acquiring a user level identifier and a user type identifier according to the user identifier;

s54, respectively matching and acquiring corresponding commission rule identifications according to the user level identifications and the commodity identifications;

matching and acquiring a commission rule identifier according to the commission rule identifier and the user type identifier;

s55, matching and acquiring all corresponding commission rule settlement models according to the commission rule identification and the settlement type, and reading all corresponding settlement parameters according to the settlement type;

s56, carrying out commission settlement according to the commission rule settlement model and the settlement parameters;

s57, judging whether all settlement parameters are processed or not, if not, returning to S56; if yes, go to S58;

s58, judging whether all settlement types are processed, if not, returning to S55; if yes, go to S59;

s59, accumulating all settlement results corresponding to the same user type identification as commission settlement results and storing the commission settlement results;

and S60, judging whether all the user identifications are processed, if so, sending the commission settlement result to the transaction terminal, and if not, returning to S53.

Preferably, the commission rule table further comprises a start time and an end time, the start time and the end time being valid times of the commission rule;

the user type identification is a buyer or a seller; the settlement type is a transaction weight type, and/or a transaction total weight type, and/or a transaction number type, and/or a transaction total number type, and/or a transaction amount type; the settlement parameter is the transaction weight, and/or the transaction total weight, and/or the transaction number, and/or the transaction total number, and/or the transaction amount, and/or the transaction total amount of the actual commodity transaction.

Preferably, the electronic transaction information further includes a transaction time; the step S54 further includes determining whether the transaction time matches the valid time, and if yes, proceeding to S55; if not, the corresponding settlement result is zero.

Preferably, the starting number and the ending number are threshold ranges of the commission rule settlement model, and commission settlement is carried out when the settlement parameters are within the threshold ranges; the commission ratio is a settlement commission ratio set according to different user types and commodities.

More preferably, the commission rule settlement model table further includes a fixed commission amount, which is an additional commission amount due at the time of settlement of each commission rule settlement model.

Compared with the prior art, the invention has the following beneficial effects:

(1) the method overcomes the defects that the commission calculation mode is single, most of the commission calculation modes adopt fixed commission systems, the commission rate is fixed according to stages, the flexibility is poor, the operation is complex, the efficiency is low, the transaction is very complicated, and the requirements of different users in various aspects can not be met;

(2) the commission rules of various models get rid of the inflexibility, complex operation and low transaction efficiency of the original fixed commission system. The method can adapt to the development of business, conveniently and flexibly realize the configuration of various commission rules through a configuration method, and can configure the commission rules according to transaction time, commodity information, user type and pricing mode, thereby greatly simplifying the commission settlement process and meeting the requirements of transaction markets and users.

Drawings

FIG. 1 is a block diagram of a transaction system of the present invention;

FIG. 2 is a flow chart of a transaction settlement method of the present invention;

FIG. 3 is a flow chart of a commission settlement method in the implementation of a transaction of the present invention;

fig. 4 is a schematic diagram of the commission settlement model of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The present invention will be further explained with reference to fig. 1 to 4.

The invention provides a transaction system, which comprises at least one transaction terminal 1 and a cloud server 2 connected with the transaction terminal 1,

the transaction terminal 1 is used for reading information of IC cards of both transaction parties, acquiring the weight or the number of transaction commodities and transaction amount, generating electronic transaction information, performing transaction settlement and judging whether commission payment needs to be settled, and if so, the transaction terminal sends a commission payment settlement request to the cloud server 2; for receiving commission settlement results and printing documents;

the transaction terminal 1 is used for the two parties of transaction to carry out identity verification and reading, commodity weighing or piece counting before commodity transaction by swiping an IC card on the transaction terminal 1, and to input transaction amounts of different commodity varieties and generate electronic transaction information. The electronic transaction information comprises an organization identifier, a transaction terminal 1 identifier, information of both transaction parties, a pricing method, transaction time, commodity information and the like. The institution identification is used for distinguishing the affiliated institution of the transaction terminal 1, and one institution comprises at least one transaction terminal 1. The information of both parties of the transaction includes personal information of both parties of the transaction, an IC card number and the like, the IC card number is an IC card which is handled by a user when the user registers in the institution, and the IC card is a multifunctional one-card-pass card, but the invention is not limited to this. The commodity information comprises at least one commodity transaction, and each commodity transaction comprises a commodity identification, corresponding transaction weight or number and transaction amount.

In actual use, the transaction terminal 1 may further store an IC card information table, and may obtain a corresponding user identifier according to the matching of the IC card number.

The cloud server 2 is used for presetting a data table, acquiring commission settlement requests and electronic transaction information, matching the data table with IC card numbers or commodity identifications in the electronic transaction information to perform commission settlement and store, and sending commission settlement results to the transaction terminal 1;

the cloud server 2 includes a configuration management module 21, a data processing module 22, a data obtaining module 23, a settlement module 24, a data storage module 25, and a data sending module 26. Wherein,

the configuration management module 21 is configured to preset a data table, where the data table has at least: IC card information table, user level table, user type table, settlement type table, commission rule table, commission sub-rule table, commission rule settlement model table, commodity table, institution table; for configuring at least one commission rule and binding it with user level table or commodity table;

in actual use, the commission rule table comprises at least one commission rule, and the commission rule table comprises at least one commission rule settlement model. The commission rule can be a user commission rule or a commodity commission rule, the commission rule can be a buyer commission sub-rule or a seller commission sub-rule, and the commission rule settlement model can be a weight commission rule settlement model, an element commission rule settlement model, an amount commission rule settlement model and the like, which can be flexibly changed, added or deleted to meet different requirements of different users, commodities and the like.

The manager of the institution where the transaction terminal 1 is located configures at least one commission rule according to the user type and commodity information, and binds with the user level table or the commodity table. The manager can flexibly and correspondingly modify the commission rules according to the increase or decrease of the user types or the commodity types, and can also conveniently increase the corresponding commission rules, thereby solving the problem that the fixed commission proportion or commission amount in the prior art can not flexibly and conveniently settle the commission according to the user information and the commodity information.

A data processing module 22 for receiving commission settlement request and obtaining electronic transaction information of the transaction terminal 1; the system is used for counting the commodity information, acquiring the user identification according to the matching of the IC card number, generating settlement data and storing or temporarily storing the settlement data.

The data acquisition module 23 is used for acquiring a commission rule settlement model corresponding to the IC card number or the commodity identification in the electronic transaction information according to a preset data table and the relation among the tables; the data acquisition module 23 includes:

a first data obtaining unit 231, configured to match and obtain a user level identifier and a user type identifier in a user table according to the user identifier;

a second data obtaining unit 232, configured to obtain, according to the user level identifier or the commodity identifier, a corresponding commission rule identifier in the user level table or the commodity table;

a third data obtaining unit 233, configured to obtain, in accordance with the commission rule identifier and the user type identifier, a commission sub-rule identifier in a commission rule table by matching;

a fourth data obtaining unit 234, configured to match and obtain all corresponding commission rule settlement models in the commission rule table according to the commission rule identification and the settlement type;

a settlement parameter acquiring unit 235, configured to read all corresponding settlement parameters from the settlement data according to the settlement type;

the settlement module 24 is used for carrying out commission settlement according to the commission rule settlement model and the settlement parameters; accumulating and storing all settlement results corresponding to the same user type identifier; the settlement module 24 includes:

a settlement unit 241 for performing commission settlement according to the commission rule settlement model and the settlement parameter; accumulating and storing all settlement results corresponding to the same user type identifier;

a first judging unit 242, configured to judge whether all settlement parameters are processed; the commodity information relates to various commodity variety transactions (multi-commodity transactions), and a plurality of settlement parameters are corresponding to one settlement type;

a second judging unit 243, configured to judge whether all settlement types are processed;

a third determining unit 244, configured to determine whether all the user identifiers have been processed;

a fourth judging unit 245, configured to judge whether the transaction time meets the validity time of the commission rule.

A data storage module 25 for storing a data table and the commission settlement result;

a data sending module 26, configured to send the settlement result to the transaction terminal 1.

In actual use, the commodity transaction market manager needs to adjust the commission rules and only needs to modify the parameters of the commission rule settlement model corresponding to the commission rules. Meanwhile, new services and changes can be rapidly and flexibly supported according to the user types and the addition of new users.

s1, presetting at least one data table in the relational database through the cloud server; the data tables to be preset in the relational database are as follows: an institution table, an IC card information table, a user level table, a merchandise table, a user type table, a settlement type table, a commission rule table, a commission sub-rule table, a commission rule settlement model table, etc.

the IC card information of both transaction parties comprises IC card numbers of both transaction parties, identity information and the like, the commodity information comprises at least one commodity transaction, each commodity transaction comprises a commodity identification, and transaction weight or transaction number corresponding to the commodity identification and transaction amount, and different commodity varieties have unique identifications, namely the commodity identifications. The electronic transaction information also comprises an organization identifier, a transaction terminal identifier, a pricing mode and transaction time. The transaction terminal also has a unique identifier, i.e. a transaction terminal identifier. The mechanism identification is a unique identification of the commodity trading market and is used for explaining the mechanism of the trading terminal. The mechanism identifications are pre-bound with the transaction terminals, and one mechanism identification corresponds to a plurality of transaction terminal identifications. The pricing mode can be a weighing mode or a piece counting mode, the weighing mode indicates that all commodities in the transaction are calculated according to weight, and the piece counting mode indicates that all commodities in the transaction are calculated according to piece number. The transaction time is the time of the transaction terminal performing the current transaction. The electronic transaction information also comprises a transaction address, namely the use address of the transaction terminal, so that the statistics and maintenance of the electronic transaction information data can be better carried out.

S3, settlement of the transaction;

when the transaction terminal is actually used, the transaction settlement step is carried out after the transaction terminal finishes the weighing or counting process of all commodities, corresponding money amount is input, and the information of the IC cards of both parties is read. Generally, in the process of one transaction between two same transaction parties, a plurality of commodity transactions of different commodities may be involved, and the transaction settlement is not performed for each commodity transaction, but is performed after the plurality of commodity transactions are completed. The transaction settlement is the settlement of all commodity transactions completed in the transaction process.

S4, judging whether commission payment needs to be settled, if so, sending a commission payment settlement request to a cloud server by the transaction terminal, and if not, entering the step S6; the commission is a commission fee (or service fee) due for the transaction between the transaction parties to use the transaction terminal to perform commodity transaction;

in actual use, the commission settlement of step S5 includes:

s51, configuring at least one commission rule according to the user type and the commodity information, and binding the commission rule with a user level table or a commodity table;

the commission rule table includes at least one commission rule, and the commission rule table includes at least one commission rule settlement model. The commission rule is not bound to the user level table or the goods table, and the commission settlement result is zero. The commission rule is configured in the cloud server by a manager of a commodity transaction market (an institution to which the transaction terminal belongs) in advance, and parameters of main configuration include commission rule name, effective time of commission rules, initial quantity, ending quantity, commission proportion, fixed commission amount and the like in a commission rule settlement model, and can be randomly changed at any time, so that different business requirements are flexibly supported. The commission rules, the commission sub-rules and the commission rule settlement models are stored in a commission rule table, a commission sub-rule table and a commission rule settlement model table, respectively.

S52, the cloud server acquires the electronic transaction information of the transaction terminal according to the commission settlement request; the electronic transaction information is uploaded to the cloud server, and the data format of the electronic transaction information refers to the following data format:

{

ICCardNo:88881716; ICCardNo:88881717; ValuationMethod：1; TradeTime :2014-09-26 17:09:25;

List：[

{ AgeCdOID：1000；NetWeight：500；Pcs：0；TradeMoney：500.00}

{ AgeCdOID：1001；NetWeight：600；Pcs：0；TradeMoney：600.00}

]

}

the cloud server preprocesses the received electronic transaction information, obtains corresponding user identification in an IC card information table according to an IC card number, sums the commodity information to obtain a transaction total weight, or the number of the transaction total numbers and/or the transaction total amount, and stores or temporarily stores the processed electronic transaction information as settlement data, wherein the settlement data format is as follows:

{

List<item>itemLst=new List<item>()

ItemInfo item=new ItemInfo();

agecdoid (product identification) =1000

Netweight (transaction weight) =500

Pcs (transaction number) =0

item.trade money) = 500.00;

item, agecdoid (product identification) =1001

Netweight (transaction weight) =600

Pcs (transaction number) =0

item, trade money =600.00

itemLst.Add(item)

Trade_MainTable mainModel = new Trade_MainTable();

mainmodel. UserOID (subscriber identity) =1001

mainmodel. UserOID (subscriber identity) =1002

Trandetime (trade time) = "2014-09-2617: 09:25";

value method =1 mamodel

Totalweight (total transaction weight) =1100.00

Totalpcs (total number of transactions) =0

Totalmoney (total transaction amount) =1100.00

mainModel.ItemInfo=itemLst;

}

In actual use, the transaction terminal can also read a corresponding user identifier in a database (an IC card information table) stored in the transaction terminal according to the swiped IC card number, and then upload the user identifier to the cloud server.

and matching and acquiring corresponding user level identification and user type identification in the user table according to the user identification. And judging that the user belongs to the buyer or the seller through the user type identification.

S54, respectively matching and acquiring corresponding commission rule identifications according to the user level identifications and the commodity identifications; matching and acquiring a commission rule identifier according to the commission rule identifier and the user type identifier;

during specific implementation, matching and acquiring a corresponding commission rule identifier in a user level table according to a user level identifier; and in the commission rule table, judging the state of the current commission rule according to the commission rule identification obtained by matching, and enabling or disabling the current commission rule. If the commission rule is stopped, stopping the commission settlement of the commission rule; and if the commission rule is enabled, matching and acquiring the corresponding commission sub-rule and the valid time in the commission sub-rule table according to the commission rule identifier and the user type identifier, wherein the user type identifier is used for distinguishing the attribute of the current commission sub-rule and belongs to the buyer-user commission sub-rule or the seller-user commission sub-rule. And judging whether the transaction time meets the effective time or not according to the transaction time, if so, entering the step S55, and if not, stopping the commission settlement of the commission rule.

In the commodity table, matching and acquiring a corresponding commission rule identifier according to the commodity identifier; and in the commission rule table, judging the state of the current commission rule according to the commission rule identification obtained by matching, and enabling or disabling the current commission rule. If the system is stopped, stopping commission settlement; and if the commission rule is enabled, matching and acquiring the corresponding commission rule and the valid time according to the commission rule identifier and the user type identifier in the commission rule table, wherein the user type identifier is used for distinguishing the attribute of the current commission rule and belongs to the buyer-commodity commission rule or the seller-commodity commission rule. And judging whether the transaction time meets the effective time or not according to the transaction time, if so, entering the step S55, and if not, stopping the commission settlement of the commission rule.

matching and acquiring all corresponding commission rule settlement models in a commission rule settlement model table through commission sub-rule identification; reading all corresponding settlement parameters from settlement data according to settlement types, wherein the settlement types can be transaction weight types, and/or transaction total weight types, and/or transaction number types, and/or transaction total number types, and/or transaction amount types, and/or transaction total amount types, the transaction weights, the transaction number and the transaction amounts are transaction information of each commodity transaction, and the transaction total weights, the transaction total number and the transaction total amount are the transaction information after being summed, namely all commodity transactions of the current transaction are summed, and can be one or more commodity transactions; the settlement parameter is the transaction weight, and/or the transaction total weight, and/or the transaction number, and/or the transaction total number, and/or the transaction amount, and/or the transaction total amount of the actual commodity transaction; and finding out the corresponding commission rule settlement model from all the commission rule settlement models obtained by matching according to the determined settlement type identification. Preferably, the settlement type is determined according to the pricing mode in the electronic transaction information, and if the pricing mode is the weighing mode, the effective settlement type is the transaction weight type, and/or the transaction total weight type, and/or the transaction amount type, and/or the transaction total amount type; if the invoicing mode is a piece-counting mode, the effective settlement type is a transaction piece number type, a transaction total piece number type, a transaction amount type and a transaction total amount type.

one settlement type corresponds to a plurality of commission rule settlement models which are distinguished in that commission ratios of different threshold ranges are different, but not limited thereto. Traversing the plurality of commission rule settlement models according to the settlement parameters corresponding to the settlement types, matching and obtaining commission rule settlement models with settlement parameters meeting the threshold range, and carrying out commission settlement by combining the settlement parameters. If the settlement parameter is zero, the corresponding commission result is zero. If the fixed commission amount in the commission rule settlement model is not null, the corresponding fixed commission amount needs to be accumulated, and if the fixed commission amount is null, the fixed commission amount is not settled. When commission settlement is performed, the commission settlement result is rounded and the latter two decimal places are retained.

The starting number and the ending number are threshold ranges of the commission rule settlement model, and the threshold ranges are specifically, but not limited to, larger than the starting number and smaller than or equal to the ending number. When the settlement parameter is within the threshold value range, performing commission settlement; the commission ratio is a settlement commission ratio set according to different user types and commodities. The fixed commission amount is an additional commission amount due when each commission rule settlement model is settled.

S57, judging whether all settlement parameters are processed,

if yes, the process goes to step S58, i.e. all settlement parameters are processed;

if not, go to step S56;

the commodity information includes a plurality of commodity transactions, and commodity varieties in each commodity transaction have unique identifiers (commodity identifiers) and correspond to transaction amounts, transaction weights or transaction number.

In the specific implementation, whether the user commission rule or the commodity commission rule is used for settlement, all the corresponding settlement parameters under the same settlement type need to be settled. And the commission settlement result under each commission rule settlement model corresponds to the user type identification in the commission rule table.

S58, judging whether all settlement types are processed,

if yes, the process goes to step S59, i.e. all settlement types are processed;

if not, go to step S55;

in a specific implementation, if the user type identifier is the buyer, the accumulated settlement result corresponding to the same user type identifier is the commission due by the buyer (buyer-commission settlement result); or, if the user type identifier is the seller, the accumulated settlement result corresponding to the same user type identifier is the commission due by the seller (seller-commission settlement result);

and S60, judging whether all the user identifications are processed, if so, sending the commission settlement result to the transaction terminal, and if not, entering the step S53.

In the specific implementation, both trading parties have IC cards, and the IC cards have uniqueness and are used for distinguishing and verifying the identities of the trading parties and certificates entering a commodity trading market. Typically, both parties to the transaction require commission settlement. According to the user identification obtained by matching the IC card number, commission rules corresponding to the user type identification (buyer or seller) are obtained in the relational database by matching the tables and the relevance thereof, and commission settlement is carried out. And after all the user identifications are processed, the commission settlement of the buyer and the seller is completed, and the commission settlement result which is respectively due by both the transaction parties is sent to the transaction terminal.

The cloud server sends a commission settlement result to the transaction terminal, and the sent data format is as follows:

{ "BillCode" (order number): LF 0022014101600007), "BuyerTotalFee" (commission due to buyer): 46.20), "SellerTotalFee" (commission due to seller): 40.27), "MoneyAmt" (total amount of transaction): 1100.00), "Return Value" (settlement status): Success, "Return Msg" (prompt information): settlement Success) }

The order number is automatically generated when the commission settlement is finished and is stored in the cloud server, the commission due of the buyer corresponds to the commission settlement result under the buyer identification (the user type identification is 1), the commission due of the seller corresponds to the commission settlement result under the buyer identification (the user type identification is 2), and the total transaction amount corresponds to the total transaction amount after the preprocessing.

And S6, finishing settlement and printing the document.

In actual use, if commission settlement is not carried out, the transaction terminal sums up the commodity information, obtains the total transaction amount of the transaction, namely the settlement is finished, and prints a receipt. And if the commission settlement is carried out, when the transaction terminal receives the commission settlement result sent by the cloud server, the settlement is finished, and the document is printed.

In particular, when the commission settlement is unsuccessful, the transaction terminal may retransmit the commission settlement request to perform the commission settlement again.

The data table is described in detail below:

the IC card information table is mainly used for storing data related to IC card numbers of both transaction parties, and comprises four fields: ICCardID, AgeOID, ICCardNO, and UserOID. Table 1 shows a table structure of the IC card information table. ICCardID is IC card identification; the AgeOID is an organization identifier, is a foreign key and is associated with the organization identifier in the organization table; ICCardNO is IC card number, register serial number distributed for both sides of trade in the trade market of the goods, as entering the trade market certificate and identity prove; the userioid is a subscriber identity and is associated with a subscriber identity in the subscriber table.

TABLE 1 Table structure of IC card information table

The user table is used to store data relating to users, including userioid (user identification), usertypetid (user level identification), agenoid (organization identification), ApplyType (user type), and UserName (user name). Table 2 is the table structure of the user table. UserOID is the primary key; the information filled by the UserTypeID is a user level identification which belongs to a user corresponding to the UserOID and is a foreign key, and AgeOID which is associated with the user level identification in the user level table is a foreign key and is associated with the mechanism identification in the mechanism table; the ApplyType is a user type used for distinguishing whether the current user belongs to a buyer or a seller.

TABLE 2 Table structure for user table

And the user level table is used for storing relevant data of the user level, including UserTypeOID, TypeName, AgeOID and TranRuleOID. Table 3 is a table structure of the user level table. The UserTypeOID is a user level identifier, is a main key and is associated with the UserTypeOID in the user table; the TypeName is a user category name and can be a common member, a high-level member, a VIP member or the like; the AgeOID is a mechanism identifier, is a foreign key and is associated with the AgeOID in the user table and the IC card information table; the TranRuleOID is a commission rule identifier, is associated with the Ageruleoid in the commission rule table, is a foreign key and indicates that each user level identifier corresponds to one commission rule identifier.

Table 3 is a table structure of a user level table

A commodity table for storing data relating to commodities including AgeCdOID, AgeOID, ageRuleOID, CdName, Status, Remark. Table 4 shows the table structure of the commodity table. The AgeCdOID is a commodity identification and is used as a unique identification of commodity information; the AgeOID is an organization identifier, is associated with the AgeOID in the organization table and is a foreign key; the agenrule identification is a commission rule identification, is associated with the AgeRuleoid in the commission rule table and is a foreign key, and each commodity identification corresponds to one commission rule identification; the CdName is a commodity name, and defines the name of a corresponding commodity identifier, such as Shandong red dates, Xinjiang red dates, apples and the like; status is Status, which indicates the Status of the current merchandise table, 0 being enabled and 1 being disabled.

TABLE 4 Table structure of commodity table

And the settlement type table is used for distinguishing different settlement modes, including RuleTypeOID, RulesTypeName and Remark. Table 5 is a table structure of the settlement type table. The RuleTypeOID is a settlement type identifier and is associated with the RuleTypeOID in the commission rule settlement model table; the RulesTypeName is the name of the corresponding settlement type identifier and can be a transaction weight type, a transaction total weight type, a transaction number type, a transaction total number type, a transaction amount type, a transaction total amount type and the like; remark is a Remark.

TABLE 5 Table Structure for Settlement type Table

A commission rules table for storing commission settlement related data including AgeRuleOID, AgeOID, RulesName, RuleCategory, Status, Remark. Table 6 is a table structure of the commission rule table. AgeRuleOID is a commission rule identifier; RulesName is a commission rule name used to define the name of the corresponding commission rule, and can be Shandong red date commission rule, Qinghai medlar commission rule, and the like; the AgeOID is an organization identifier, is associated with the AgeOID in the organization table, is a foreign key and is used for explaining the affiliated organization of the current commission rule, namely a commodity trading market; RuleCategory is a commission rule category, 1 is a commodity commission rule, and 2 is a user commission rule; status is Status, which indicates the Status of the current commission rule table, 0 is enabled and 1 is disabled.

TABLE 6 Table structure for commission rule Table

And the commission rule table is subordinate to the commission rule table and is used for storing the mapping relation between the commission rule and the commission rule, and the commission rule table comprises AgeTradeObjID, AgeRuleoID, TradeObj, StartTime and EndTime. Table 7 is a table structure of the commission rule table. AgeTradeObjID is a commission rule identification; AgeRuleOID is a commission rule identification, is associated with AgeRuleOID in a commission rule table and is a foreign key, and one commission rule comprises at least one commission rule; the ApplyTypeOID is a user type identifier and is used for explaining the user type identifier corresponding to the current commission sub-rule, wherein 1 is a buyer commission sub-rule, and 2 is a seller commission sub-rule; StartTime and EndTime are respectively a start time and an end time and are used for explaining the valid time of the current commission rule, and if the value of the valid time is null, the valid time is valid for a long time and can be customized according to actual conditions.

Table 7 is a table structure of a commission rule table

A commission rules settlement model table for storing commission settlement related data including AgeRuleDeID, AgeTradeObjID, RuleTypeOID, MinCnt, Maxcnt, FeeSacale, FeeUniy, and Remark. Table 8 is a table structure of the commission rule settlement model table. AgeRuleDeID is a commission rule settlement model identification; AgeTradeObjID is a commission rule identification, is associated with AgeTradeObjID in a commission rule table and is a foreign key, and one commission rule comprises at least one commission rule settlement model; the RuleTypeOID is a settlement type identifier, is associated with the RuleTypeOID in the settlement type table and is an external key; MinCnt and MaxCnt are respectively a starting number and an ending number, represent the effective settlement threshold range of the commission rule settlement model, when the corresponding settlement parameters obtained by matching meet the settlement threshold, commission settlement is carried out according to the current commission rule settlement model and the settlement parameters, the value is null, the value is infinite, and self-definition can be carried out according to the actual situation; the FeeSacale is a commission ratio, and the commission ratio can be 0 or a positive number according to the settlement commission ratios configured by different users and commodities and can be customized according to actual conditions; FeeImoney is the fixed commission amount, and the additional commission due when each commission rule settles the model, namely the guaranteed commission, and the minimum commission amount due by the buyer or the seller can be customized according to the actual situation.

Table 8 is a table structure of a commission rule settlement model table

The institution table is used for storing data related to the institution (commodity trading market), including AgeOID, AgencyName and AgeType. Table 9 shows the structure of the organization table. The AgeOID is an organization identifier and is used for distinguishing the unique identifiers of different commodity trading markets; the AgencyName is the name of an organization and is used for defining the name of a corresponding organization, such as Shandong red date wholesale market, watermelon wholesale market and the like; AgeType is the institution class.

Watch 9 is the watch structure of the organization watch

The user type table is used for distinguishing different user types, such as buyers or sellers, including AplyTypeOID, AplyTypeName and Remark. Table 10 is a table structure of the settlement type table. The ApplyTypeOID is a user type identifier associated with the ApplyTypeOID in the commission rule table; the ApplyTypeName is the name of the corresponding user type identifier, and can be a buyer and a seller; remark is a Remark.

Table 10 is a table structure of a user type table

The relationships between the tables in the relational database are as follows:

the relations between the organization table and the IC card information table, the user level table, the commodity table and the commission rule table are all one-to-many relations, and are realized through the incidence relations between AgeOID in the organization table and AgeOID fields in the IC card information table, the user level table, the commodity table and the commission rule table;

the relationship between the IC card information table and the user table is a one-to-one relationship, and is realized through the incidence relationship between the UserOID in the IC card information table and the UserOID main key in the user table;

the relationship between the user table and the user level table is a one-to-one relationship, and is realized through the incidence relationship between the UserTypeOID in the user table and the UserTypeOID in the user level table;

the relationship between the user level table and the commission rule table is a one-to-one relationship, and is realized through the incidence relationship between the TranRuleID in the user level table and the AgeRuleOID in the commission rule table;

the relationship between the commodity table and the commission rule table is a one-to-one relationship, and is realized through the incidence relationship between the agenrule OID in the commodity table and the AgeRuLEOID in the commission rule table;

the relationship between the commission rule table and the commission sub-rule table is a one-to-many relationship, and is realized through the incidence relationship between AgeRuleOID in the commission rule table and AgeRuleOID in the commission sub-rule table;

the relationship between the commission sub rule table and the commission rule settlement model table is a one-to-many relationship, and is realized through the incidence relationship between AgeTradeObjID in the commission sub rule table and AgeTradeObjID in the commission rule settlement model table;

the relation between the settlement type table and the commission rule settlement model table is a one-to-many relation, and is realized through the incidence relation between RuleTypeOID in the settlement type table and RuleTypeOID in the commission rule settlement model table;

the user type table, the user table and the commission rule table are in one-to-many relationship, and the relationship is realized through the incidence relationship between the applyTypeOID in the user type table and the applyTypeOID in the user table and the commission rule table.

This will be further explained below with reference to examples.

The data tables preset in the relational database have at least,

IC card information table:

a user table:

user level table:

a commodity table:

commission rule table:

commission rules table:

commission rules settlement model table:

the electronic transaction information is as follows:

IC card number 1: 88881716, respectively; IC card number 2: 88881717;

the pricing method comprises the following steps: 1 (weighing mode);

transaction time: 2014-9-2517: 09:25;

commodity information:

commission rules are configured and bound to a user level table or a goods table.

The commission rules of all goods or the commission rules of the user are found according to the agency identification and the commission rule category identification, the commission rule identification 1001 is selected to be bound to the commission rule field (agenrule oid) in the goods table, and the commission rule identification 1005 is bound to the commission rule field (tranrule id) in the user level table.

The corresponding user id 1001 and 1002 is found in the IC card information table according to the IC card number in the acquired electronic transaction information. And totaling the commodity information and generating settlement data in the following format:

{

UserOID (user identification): 1001, UserOID (user identification): 1002;

ValatiionMethod (pricing method): 1;

TradeTime 2014-09-2617: 09:25;

(product information) List: [

{ AgeCdOID：1000；NetWeight：500；Pcs：0；TradeMoney：500.00}

{ AgeCdOID：1001；NetWeight：600；Pcs：0；TradeMoney：600.00}

]

(total) TotalWeight: 1100, 1100; TotalPcs: 0; TotalMoney: 1100.00, respectively;

}

(1) the commission of the user identification 1001 is settled,

(a) and matching and acquiring a corresponding user level identifier 1001 (common member) in the user table according to the user identifier 1001, and acquiring a commission rule identifier 1003 (red date commission rule) in the user level table according to the user level identifier 1001 acquired by matching.

And judging whether the transaction time meets the effective time or not according to the commission rule identifier 1003 and the user type identifier 1 (buyer identifier) in the commission sub-rule table to the corresponding commission sub-rule 1004 and the effective time of the rule, if so, entering the next step, and if not, finishing the calculation, namely the buyer-user commission part is 0.

Obtaining all corresponding commission rule settlement models in the commission rule settlement model table according to the commission sub-rule identification 1004; according to the settlement type identification, matching and acquiring corresponding commission rule settlement models in all the acquired commission rule settlement models, such as commission rule settlement models 1006, 1007 and 1008 under commission rule 1004 corresponding to settlement type identification 1. Reading corresponding settlement parameters through the settlement type identifier 1, and performing settlement when the settlement parameters meet a threshold range, otherwise, obtaining a settlement result of 0, wherein the weight 500 of the Shandong red dates meets a commission rule settlement model 1006, the weight 600 of the Xinjiang red dates meets a commission rule settlement model 1007, and the settlement result is as follows:

taking the weight of Shandong red dates as a small commission: 500 x 1.2% +2= 8.00;

calculating the weight of Xinjiang red dates by a small commission: 600 x 1.3% = 7.80.

The settlement type id 2 corresponds to the commission rule settlement model 1012, 1013, 1014, and the total weight of the read settlement parameter transactions conforms to the commission rule settlement model 1012, the settlement result is as follows:

the total of the commissions by weight are: 1100 × 0.1% = 1.10.

The settlement type identifier 3 corresponds to the commission rule settlement models 1009, 1010 and 1011, the read settlement parameter Shandong red date transaction amount 500 conforms to the commission rule settlement model 1009, and the Xinjiang red date transaction amount 600 conforms to the commission rule settlement model 1009, so that the settlement result is as follows:

the amount of commissioned money of Shandong red dates is counted in small amount: 500 by 1% = 5.00;

counting the amount of the Xinjiang red dates: 600 × 1% = 6.00.

The settlement type identifier 4 corresponds to the commission rule settlement model 1015, 1016, and the total amount of the read settlement parameter transaction conforms to the commission rule settlement model 1015, the settlement result is as follows:

transaction amount commissions totaled: 1100 × 0.1% +2= 3.10.

(b) Corresponding commission rules 1001 (Shandong red date commission rule) and 1002 (Xinjiang red date commission rule) are obtained in the commodity table according to the commodity identifications 1000 and 1001.

According to the commission rule identifier 1001 and the user type identifier 1 (buyer identifier), the corresponding commission rule 1000 and the effective time of the rule are reached in the commission rule table, and the transaction time does not accord with the effective time of the rule, so that the commission settlement is not participated, namely, the commission part of the buyer-commodity (Shandong red date) is 0.

And (3) according to the commission rule identifier 1002 and the user type identifier 1 (buyer identifier), the corresponding commission rule 1002 and the valid time of the rule are reached in the commission rule table, the start time and the end time of the rule are empty, all transaction time accords with the valid time, and the next step is carried out.

Obtaining all corresponding commission rule settlement models in a commission rule settlement model table according to the commission sub-rule identification 1002; and according to the settlement type identifier, matching and acquiring corresponding commission rule settlement models in all acquired commission rule settlement models, such as commission rule settlement models 1017, 1018 and 1019 under commission rule 1002 corresponding to settlement type identifier 1. Reading the corresponding settlement parameters through the settlement type identifier 1, settling when the settlement parameters meet the threshold range, otherwise, the settlement result is 0, the Xinjiang red date weight 600 meets the commission rule settlement model 1017, and the settlement result is as follows:

calculating the weight of Xinjiang red dates by a small commission: 600 x 1.2% = 9.20.

The settlement type identifier 3 corresponds to commission rule settlement models 1020, 1021 and 1022, and the read settlement parameter, the transaction amount 600 of the Xinjiang red dates conforms to the commission rule settlement model 1020, and the settlement result is as follows:

counting the amount of the Xinjiang red dates: 600 × 1% = 6.00.

The result of the commission settlement under the same buyer identifier 1 (user type identifier) is accumulated, i.e. 8+7.8+1.1+5+6+3.1+9.2+6=46.20, which is the commission due to the buyer.

(2) The commission of the user identifier 1002 is settled, that is, the seller commission is settled, and the settlement process is the same as the buyer commission settlement step, so that the seller commission settlement result is 40.27.

And the cloud server stores the commission settlement result in the data storage module and sends the commission settlement result to the transaction terminal. And the transaction terminal receives the commission settlement result and prints a receipt. The data format transmitted is as follows:

{ "BillCode" (order number): LF0022014101600007";

"BuyerTotalFee" (commission due by buyer): 46.20";

"SellerTotalFee" (commission due by seller): 40.27";

"MoneyAmt" (total transaction amount): 1100.00";

"Return value" (Settlement status): Success ";

return Msg (prompt information): Settlement success }

Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by associated hardware instructed by a program, which may be stored in a computer-readable storage medium, and the storage medium may include: a Read Only Memory (ROM), a Random Access Memory (RAM), a magnetic or optical disk, or the like.

The transaction settlement method and the transaction system provided by the embodiment of the invention are described in detail, and the principle and the implementation mode of the invention are explained by applying specific examples, and the description of the embodiment is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A transaction system is characterized by comprising at least one transaction terminal and a cloud server, wherein the transaction terminal is used for reading information of IC cards of two transaction parties, acquiring the weight or the number of transaction commodities and transaction amount, generating electronic transaction information, carrying out transaction settlement and judging whether commission payment needs to be settled, and if so, the transaction terminal sends a commission payment settlement request to the cloud server; for receiving commission settlement results and printing documents; the electronic transaction information at least comprises IC card numbers of both transaction parties, commodity information and transaction time; the commodity information comprises at least one commodity transaction, and each commodity transaction comprises a commodity identification, transaction weight or transaction number and transaction amount; the cloud server is used for presetting a data table, acquiring commission settlement requests and electronic transaction information, matching the data table with IC card numbers or commodity identifications in the electronic transaction information to perform commission settlement and store, and sending commission settlement results to the transaction terminal; wherein,

the cloud server comprises:

the data acquisition module is used for acquiring a commission rule settlement model corresponding to the IC card number or the commodity identification in the electronic transaction information according to the preset data table and the relation matching between the tables;

wherein the data acquisition module comprises:

the settlement module comprises:

a third judging unit, configured to judge whether all the user identifiers have been processed;

the transaction settlement method based on the transaction system comprises the following steps:

s3, settlement of the transaction;

s4, judging whether commission payment needs to be settled, if so, sending a commission payment settlement request to a cloud server by the transaction terminal, and if not, entering the step S6;

the commission settlement of step S5 includes:

s60, judging whether all the user identifications are processed, if so, sending the commission settlement result to the transaction terminal, and if not, returning to S53;

and S6, finishing settlement and printing the document.

2. The transaction system according to claim 1, wherein the settlement module further comprises a fourth judgment unit for judging whether the transaction time meets an effective time of the commission rule.

3. A method of settling a transaction, comprising the steps of:

s3, settlement of the transaction;

the commission settlement of step S5 includes:

and S6, finishing settlement and printing the document.

4. The transaction settlement method of claim 3, wherein the predetermined data table has at least:

IC card information table, including IC card number and user identification;

5. The transaction settlement method according to claim 4, wherein the commission rule table further comprises a start time and an end time, the start time and the end time being effective times of the commission rule;

6. The transaction settlement method of claim 5, wherein the electronic transaction information further includes a transaction time; the step S54 further includes determining whether the transaction time matches the valid time, and if yes, proceeding to S55; if not, the corresponding settlement result is zero.

7. The transaction settlement method according to claim 4, wherein the starting quantity and the ending quantity are threshold ranges of a commission rule settlement model, and commission settlement is performed when the settlement parameter is within the threshold ranges; the commission ratio is a settlement commission ratio set according to different user types and commodities.

8. The transaction settlement method according to claim 4, wherein the commission rule settlement model table further includes a fixed commission amount, which is an additional commission amount due at the time of settlement of each commission rule settlement model.