CN106447427A - A fund security management method for cold chain industry - Google Patents

Abstract

The invention particularly relates to a fund security management method in the cold chain industry. The fund security management method of the cold chain industry deploys the online settlement platform separately, and connects the e-commerce platform and payment system through the online settlement platform, and manages the settlement strategy of each merchant on the e-commerce platform in the cold chain industry in a unified manner to meet the funds of each merchant Settlement needs, realize the management of various capital expenses within the cold chain industry, and open up the flow of funds among users with different roles involved in various business links in the cold chain industry. The fund security management method of the cold chain industry can conduct unified management of fund transactions, fund accounts, fund inquiries and fund reconciliation of the cold chain industry e-commerce platform, and realize account management, supporting transactions and withdrawals, fund management and other functions. Provides a fund security management solution for cold chain industry operators.

Description

A fund security management method for cold chain industry

technical field

The invention relates to the technical field of e-commerce payment, in particular to a fund security management method in the cold chain industry.

Background technique

With the continuous development of e-commerce, more and more e-commerce platforms and third-party payment platforms have emerged. However, Alipay, UnionPay, Tenpay, WeChat Wallet and other third-party payment platforms commonly used by people at present basically provide services related to payment, such as online shopping secured transactions, online payments, transfers, credit card repayments, mobile phone top-ups, Payment in various fields such as utility bill payment, personal financial management, etc. However, these existing third-party payment platforms are not deeply involved in the fund management in the industry, and there is currently a lack of a fund security management method for the cold chain industry.

In view of the above problems, the present invention designs a fund security management method in the cold chain industry. It aims to provide fund security management solutions for cold chain industry operators.

Contents of the invention

In order to make up for the defects of the prior art, the present invention provides a simple and efficient fund security management method for the cold chain industry.

The present invention is achieved through the following technical solutions:

A fund security management method in the cold chain industry, characterized in that: an online settlement platform is deployed separately, and the e-commerce platform and payment system are connected through the online settlement platform, and the settlement strategies of various merchants on the e-commerce platform in the cold chain industry are managed uniformly, Meet the capital settlement needs of various merchants, realize the management of various capital expenses within the cold chain industry, and open up the flow of funds among users with different roles involved in various business links in the cold chain industry;

The online settlement platform includes a settlement management module, a reconciliation management module, an interface management module and a payment management module, and the interface management module is connected to the payment management module; the payment system is connected to the reconciliation management module and the payment management module. The e-commerce platform is connected to the interface management module and the payment management module.

The interface management module includes an interface for requesting a refund, an interface for querying payment results, an interface for requesting payment at the foreground, and an interface for requesting payment at the background. The interface management module provides a unified interface for the e-commerce platform, and the e-commerce platform does not need to connect to each interface of the payment system The payment management module includes a unified refund unit, a unified transaction log unit, a unified payment unit and a unified payment result processing unit; the request refund interface is connected to the unified refund unit, the query payment result interface is connected to the unified transaction log unit, and the front desk The request payment interface and the background request payment interface are connected to the unified payment unit; the unified payment result processing unit is connected to the e-commerce platform and the payment system at the same time.

The settlement management module includes a merchant/account management unit and a settlement policy management unit, and the reconciliation management module includes a unified download statement unit and a financial reconciliation management unit.

The beneficial effects of the present invention are: the fund security management method of the cold chain industry can perform unified management on the fund transactions, fund accounts, fund inquiries and fund reconciliation of the cold chain industry e-commerce platform, and realize account management, support transactions and Cash withdrawal, fund management and other functions provide a fund security management solution for cold chain industry operators.

Description of drawings

Accompanying drawing 1 is the schematic diagram of the fund security management method of cold chain industry of the present invention.

detailed description

In order to make the technical problems, technical solutions and beneficial effects to be solved by the present invention clearer, the present invention will be described in detail below in conjunction with the accompanying drawings and embodiments. It should be noted that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

The fund security management method of the cold chain industry deploys an online settlement platform separately, and connects the e-commerce platform and payment system through the online settlement platform, and manages the settlement strategies of each merchant on the e-commerce platform in the cold chain industry in a unified manner to meet the funds of each merchant Settlement needs, realize the management of various capital expenses within the cold chain industry, and open up the flow of funds between different role users involved in various business links in the cold chain industry;

The online settlement platform includes a settlement management module, a reconciliation management module, an interface management module and a payment management module, and the interface management module is connected to the payment management module; the payment system is connected to the reconciliation management module and the payment management module. The e-commerce platform is connected to the interface management module and the payment management module.

The interface management module includes an interface for requesting a refund, an interface for querying payment results, an interface for requesting payment at the foreground, and an interface for requesting payment at the background. The interface management module provides a unified interface for the e-commerce platform, and the e-commerce platform does not need to connect to each interface of the payment system The payment management module includes a unified refund unit, a unified transaction log unit, a unified payment unit and a unified payment result processing unit; the request refund interface is connected to the unified refund unit, the query payment result interface is connected to the unified transaction log unit, and the front desk The request payment interface and the background request payment interface are connected to the unified payment unit; the unified payment result processing unit is connected to the e-commerce platform and the payment system at the same time.

The fund security management method of the cold chain industry connects the payment system through the unified payment unit to manage the payment of each bank in a unified way, and records the transaction log in the payment process through the unified transaction log unit to manage the payment behavior of users in detail. After the payment is completed, the payment results of each bank are uniformly processed through the unified payment result processing unit, and all banks are notified to the online ordering component through the unified interface of the interface management module.

When the merchant needs to refund the paid user, the unified refund unit of the online settlement platform returns the refund amount to the user's payment account according to the user's payment status.

When the ordering component needs to query the order payment result, it only needs to call the unified interface of the interface management module without caring about the user's payment bank, and the settlement platform will feed back the order payment result.

The settlement management module includes a merchant/account management unit and a settlement policy management unit, and the reconciliation management module includes a unified download statement unit and a financial reconciliation management unit.

The fund security management method of the cold chain industry, through the merchant/account management unit of the settlement management module, uniformly downloads the statement and statement details of each bank, analyzes the statement data, and saves it in the unified statement table of the settlement platform . If the online ordering component needs reconciliation data, it only needs to obtain it from the statement table. The settlement strategy of each merchant is managed uniformly through the settlement strategy management unit to meet the capital settlement needs of each merchant.

The fund security management method of the cold chain industry can be directly connected with the online banking systems of major banks, and can also be connected with the UnionPay system, Alipay system, Tenpay system, WeChat platform, and cross-border payment platforms to meet various bank card payments. need. The online settlement platform, as an independent business component, can be deployed independently, and is connected with business components such as online ordering of various e-commerce platforms such as e-commerce malls, mobile phone malls, and WeChat malls through web interfaces or high-speed services.

In addition, through the fund security management method of the cold chain industry, various expenses, deposits, and balances can be used to offset the payment for goods.

Claims (3)

1. a kind of fund security management method of cold chain industry it is characterised in that：Individually dispose online settlement platform, and pass through net Upper settlement platform connects electric business platform and payment system, the clearing plan of electric business platform Shang Ge trade company in unified management cold chain industry Slightly, meet the capital settlement demand of each trade company, realize the management of the internal all kinds of financial chargeses of cold chain industry, get through in cold chain industry The fund flow between different role user involved by each service link

Described online settlement platform includes settlement management module, reconciliation management module, interface administration module and payment management module, Described interface administration module is connected with payment management module；Described payment system is connected to reconciliation management module and payment management mould Block, described electric business platform is connected to interface administration module and payment management module.

2. cold chain industry according to claim 1 fund security management method it is characterised in that：Described interface management mould Block includes asking reimbursement interface, inquires about payment result interface, foreground request payment interface and background request payment interface, described connects Mouth management module is that electric business platform provides unified interface, and electric business platform does not need to dock each interface of payment system；Described Pay management module and include unified reimbursement unit, unified transaction log unit, unified payment unit and unified payment result process single Unit；Described request reimbursement interface connects unified reimbursement unit, and inquiry payment result interface connects unified transaction log unit, foreground Request payment interface and background request payment interface are connected to unified payment unit；Described unified payment result processing unit is simultaneously It is connected to electric business platform and payment system.

3. cold chain industry according to claim 1 fund security management method it is characterised in that：Described settlement management mould Block includes trade company/account management unit and clearing policy management element, and described reconciliation management module includes unified download statement Unit and financial counting administrative unit.