CN116579809A - Aggregate payment system based on cloud computing - Google Patents
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Abstract
The application discloses an aggregate payment system based on cloud computing, which relates to the technical field of aggregate payment, wherein a fund monitoring unit monitors the account-entering fund of an exchange settlement end in each transaction day, obtains the standard deviation of the group of fund exchange amount data, and sends out first early warning information when the increment of the standard deviation exceeds a preset increment threshold; acquiring transaction amount, corresponding transaction price and payment mode of each commodity from commodity transaction data, performing correlation analysis, and generating a plurality of transaction intervals corresponding to the payment mode according to the distribution of correlation coefficients; selecting commodities to be promoted in a transaction interval, acquiring a promotion strategy, executing the promotion strategy, and acquiring a transaction cost proportion; and if the transaction cost proportion is higher than the proportion threshold value, sending early warning information to the merchant by the data communication unit. By balancing and adjusting the transaction costs of the merchant, revenue can also be increased through promotions, which is when it is difficult to control the transaction costs.
Description
Technical Field
The application relates to the technical field of aggregate payment, in particular to an aggregate payment system based on cloud computing.
Background
Aggregate payment refers to a payment mode in which multiple payment means are integrated together by a single platform or system, facilitating payment transactions by merchants and consumers. It allows merchants to accept payments from multiple payment channels, such as credit cards, debit cards, cell phone payments, and electronic wallets, among others.
The aggregated payment has the advantage that the payment access flow of the merchant is simplified, and the merchant can only interface with the aggregated payment platform through one interface no matter accept credit cards, debit cards or other payment modes. For consumers, the consumers can choose the favorite payment mode to pay, so that the payment convenience is improved. Meanwhile, in order to improve the data processing efficiency of the aggregate payment, cloud computing time technology may be used.
In a common aggregate payment system, if a customer selects cashless payment, the payment modes generally include payment bank payment, weChat payment, quick bank card payment, credit card payment and the like, and meanwhile, when the transaction modes selected by the customer are different, the transaction costs borne by merchants are different.
In the existing aggregate payment system, for example, patent application number 201710266002.9 is a Chinese patent application patent of an aggregate payment system based on the internet of things and cloud computing, although different online and offline payment modes are integrated together, an aggregate payment processing system based on the internet of things and cloud computing is formed, so that relatively complete consumption data is obtained, and analysis of the payment data is more accurate. However, in the above patent, the transaction cost problem borne by the merchant is not considered, and the merchant may have a relatively high transaction cost.
Therefore, the application provides an aggregate payment system based on cloud computing.
Disclosure of Invention
(one) solving the technical problems
Aiming at the defects of the prior art, the application provides an aggregate payment system based on cloud computing, which monitors the account-entering funds of an exchange settlement end in each transaction day by a funds monitoring unit to acquire the standard deviation of the group of funds-entering data, wherein the increment of the standard deviation exceeds a preset increment threshold value, and sends out first early warning information; acquiring transaction amount, corresponding transaction price and payment mode of each commodity from commodity transaction data, performing correlation analysis, and generating a plurality of transaction intervals corresponding to the payment mode according to the distribution of correlation coefficients; selecting commodities to be promoted in a transaction interval, acquiring a promotion strategy, executing the promotion strategy, and acquiring a transaction cost proportion; and if the transaction cost proportion is higher than the proportion threshold value, sending early warning information to the merchant by the data communication unit. The problems in the background art are solved by balancing and adjusting the transaction cost of the merchant and increasing the income through promotion at the same time, and when the transaction cost is difficult to control, the income is increased through promotion.
(II) technical scheme
In order to achieve the above purpose, the application is realized by the following technical scheme: the aggregate payment system based on cloud computing comprises a fund monitoring unit, an early warning unit, a processing unit and a data communication unit, wherein when funds are imported into an aggregate payment account, the fund monitoring unit monitors the account-entering funds of an import settlement end in each transaction day, the fund importing amounts of a plurality of transaction days are continuously acquired along a time axis and subjected to variance analysis, standard deviations of the data of the group of fund importing amounts are acquired, and if the increasing amount of the standard deviations exceeds a preset increasing threshold value along with the adding of the current fund importing amounts, the early warning unit sends first early warning information to merchants;
the processing unit inquires and acquires commodity transaction data of a current transaction day and a previous transaction day, and acquires the transaction amount and the corresponding transaction price of each commodity from the commodity transaction data; collecting transaction prices and payment modes of a plurality of groups of commodities from commodity transaction data, and after summarizing, performing correlation analysis by the processing unit to judge correlation coefficients between the transaction prices and the payment modes; according to the distribution of the correlation coefficient, obtaining a distribution interval of transaction prices corresponding to the payment mode, and further generating a plurality of transaction intervals corresponding to the payment mode;
selecting commodities to be promoted in a transaction interval, formulating or collecting a corresponding promotion strategy for the commodities to be promoted, executing the promotion strategy, sending a settlement notice to a merchant by the data communication unit, and presetting the settlement time of the account funds by the merchant; guiding the merchant to settle account funds in the aggregated payment account and acquiring a transaction cost proportion Jyb; if the transaction cost proportion Jyb is higher than the preset proportion threshold, the data communication unit sends out early warning information to the merchant.
Further, the system further comprises a prediction analysis unit, wherein the commodity with the first three transaction amounts in each transaction interval is obtained as a representative commodity, the processing unit inquires and obtains the historical sales amount of the representative commodity from the commodity sales record, if the historical sales amount of the representative commodity exceeds a preset first sales amount threshold value, the prediction analysis unit predicts the transaction amount of the representative commodity in a plurality of next transaction days according to the established smooth index model by combining the historical sales amount data, and the predicted transaction amount is obtained and output.
Further, obtaining the average transaction amount of the representative commodity on the first transaction days, and if the average transaction amount does not exceed the second sales amount threshold value, taking the corresponding representative commodity as the commodity to be promoted; when the account fund of the account end is settled, transaction cost born by the merchant is acquired when different payment modes are selected.
Further, the trade profit of the commercial tenant after the operation is finished at the current trade date is combined, and the ratio of the trade cost to the trade profit is taken as a trade cost ratio Jyb; if the transaction cost proportion Jyb is higher than the preset proportion threshold, the data communication unit sends out second early warning information to the merchant.
Further, the system also comprises a strategy matching unit, after receiving the second early warning information, the lowest transaction cost of the payment modes selected by the current merchant is obtained, and the corresponding transaction areas and the goods to be promoted in the transaction areas are obtained successively; aiming at the commodity to be promoted, a promotion strategy corresponding to the commodity to be promoted is formulated or collected, and a promotion strategy library is established after summarizing; and matching corresponding promotion strategies from a promotion strategy library by the strategy matching unit according to the predicted transaction amount of the commodity to be promoted and executing the corresponding promotion strategies.
Further, after the merchant enters a transaction settlement stage, the processing unit inquires the amount Rz of the funds to be settled in the settlement end of the aggregate payment account; if the amount Rz of the funds to be checked is larger than a preset settlement threshold, the data communication unit sends a settlement notice to the merchant, and the settlement time of the funds to be checked is predefined by the merchant.
Further, the system also comprises a scheme matching unit, wherein before the settlement end starts settlement, an encryption scheme library is established by the settlement end, so that the encryption scheme library contains at least three account encryption schemes with different decryption difficulties; after receiving the settlement notification, the scheme matching unit matches the encryption scheme from the encryption scheme library for the aggregated payment account, so that the decryption difficulty of the account encryption scheme corresponds to the amount to be settled; the aggregated payment account is encrypted by the matched encryption scheme.
Further, the scheme matching unit is further included, when the merchant enters the settlement end to settle accounts for the funds of the merchants, the settlement end performs identity recognition for the merchant, and the selected identity recognition mode at least comprises one of face recognition and fingerprint recognition; the settlement end sends a decryption key corresponding to the encryption scheme to a preset receiving address of the merchant; after the merchant receives the decryption key, the decryption unit decrypts the matched encryption scheme, and after account decryption is completed, the merchant is guided to settle the account funds in the aggregated payment account, and the transaction cost proportion Jyb is obtained.
Further, the system also comprises a visualization unit, wherein when the aggregate payment account is positioned on a settlement interface of the funds to be charged, the visualization unit performs visualization display on the amount of the funds remitted in each time period, and performs visualization display on the transaction amount of the commodity to be promoted in each time period.
Further, the processing unit obtains the settlement cost to be borne when different payment modes are selected, and the transaction cost proportion Jyb is obtained by combining the transaction profits of the merchants after the operation is finished on the same day, and if the transaction cost proportion Jyb is higher than a preset proportion threshold value, the data communication unit sends third early warning information to the merchants.
(III) beneficial effects
The application provides an aggregate payment system based on cloud computing, which has the following beneficial effects:
1. after the commodity to be promoted is determined, a corresponding promotion strategy is adopted for the commodity to be promoted, so that the sales volume of the commodity to be promoted can be increased, the income of merchants is guaranteed, balance is formed on a plurality of payment modes, the transaction cost born by the merchants is adjusted, and at least the transaction cost can be saved when the accounts of the merchants at the settlement end are settled with high probability.
2. According to the corresponding predicted transaction amount, the corresponding promotion strategy is matched and executed, and the predicted transaction amount is made to correspond to the promotion strategy, so that the promotion scheme is more targeted, and the promotion strategy can be deducted or simulated and analyzed by establishing a commodity promotion model so as to ensure the effectiveness of the promotion strategy.
3. And acquiring the transaction cost proportion Jyb again during settlement, verifying and judging whether the sales promotion strategy is effective according to the change of the transaction cost proportion Jyb, and if so, reducing the transaction cost of the merchant, realizing the low-cost settlement of the merchant and reducing the sales cost of the merchant.
4. Whether the sales promotion strategy is effective or not can be displayed by visually displaying the transaction amount of the commodity to be promoted, if the sales promotion strategy is ineffective, the sales promotion strategy needs to be reselected or other commodity to be promoted is selected; thus, both the trade costs of the merchant can be balanced and adjusted, and the revenue can be increased by promotions, when it is difficult to control the trade costs.
Drawings
FIG. 1 is a schematic flow diagram of an aggregated payment system based on cloud computing according to the present application;
in the figure: 10. a fund monitoring unit; 20. an early warning unit; 30. a processing unit; 40. a prediction analysis unit; 50. a policy matching unit; 60. a data communication unit; 70. a decryption unit; 80. a scheme matching unit; 90. and a visualization unit.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
Referring to fig. 1, the present application provides an aggregate payment system based on cloud computing, including: a funds monitoring unit 10, an early warning unit 20, a processing unit 30, a predictive analysis unit 40, a policy matching unit 50, a data communication unit 60, a decryption unit 70, a scheme matching unit 80, and a visualization unit 90, wherein,
when funds are collected in the aggregate payment account of the merchant, the funds monitoring unit 10 monitors the account-entering funds collected into the settlement end in each transaction day, and obtains the funds collection amount of each transaction day; continuously acquiring the funds input amount of ten transaction days along a time axis, performing variance analysis, acquiring standard deviation of the set of funds input amount data, and if the increment of the standard deviation exceeds a preset increment threshold value along with the addition of the current funds input amount, sending first early warning information to a merchant by a early warning unit 20;
when the system is used, the funds monitoring unit 10 is arranged, so that the account-checking funds in the aggregated payment account of the merchant can be monitored and early-warned, and once the account-checking funds are abnormal, the merchant can learn in time no matter the account-checking funds are suddenly increased or suddenly reduced.
After the first early warning information is acquired, the processing unit 30 queries and acquires commodity transaction data of the current transaction days and the previous transaction days, for example, acquires commodity transaction data of the previous ten transaction days, and acquires the transaction amount and the corresponding transaction price of each commodity from the commodity transaction data;
it should be noted that: in general, commodity prices in the supermarket are unchanged or fluctuation is small, so that the price relation of the commodity is not required to be considered, or the large fluctuation of the transaction price is also required to be considered; when a customer purchases a commodity, particularly a small commodity, in a supermarket, if non-cash payment is selected, the payment modes of the commodity are generally payment bank payment, weChat payment, bank card quick payment, credit card payment and the like, and meanwhile, when the transaction modes selected by the customer are different, the transaction cost borne by merchants is also different;
collecting transaction prices and payment modes of a plurality of groups of commodities from commodity transaction data, and after summarizing, performing correlation analysis by the processing unit 30 to judge correlation coefficients between the transaction prices and the payment modes; according to the distribution of the correlation coefficient, obtaining a distribution interval of transaction prices corresponding to the payment mode, and further generating a plurality of transaction intervals corresponding to the payment mode;
it should be noted that, there is a large overlap between the obtained transaction intervals, only a certain transaction interval can be screened and determined by the correlation coefficient, and the probability of fixedly selecting a certain payment mode is higher;
acquiring commodities with the first three transaction quantities in each transaction interval as representative commodities, inquiring and acquiring historical sales quantities of the representative commodities from a commodity sales record by the processing unit 30, and if the historical sales quantities of the representative commodities exceed a preset first sales quantity threshold value, predicting the transaction quantities of the representative commodities in a plurality of next transaction days according to the established smooth index model by the prediction analysis unit 40 according to historical sales quantity data, and acquiring and outputting predicted transaction quantities;
when the commodity sales management system is used, the representative commodity is determined, a plurality of commodities with the best current sales volume can be screened out from a plurality of commodities to be sold of a commodity, when the commodity sales management system is required, the trading volume of the commodity can be further increased by adopting a corresponding sales promotion strategy, the income of the commodity is increased, after the predicted trading volume of the representative commodity is obtained, if the predicted trading volume shows that the sales volume of the representative commodity is not good, improvement measures can be timely taken; meanwhile, commodities with the backward transaction amount in each transaction interval can be used as target products, and promotion measures are taken for the target products or the target products are not sold any more so as to increase the revenues of merchants.
Acquiring the average transaction amount of the representative commodity in the first ten transaction days, and taking the corresponding representative commodity as the commodity to be promoted if the average transaction amount does not exceed a preset second sales amount threshold value, wherein the second sales amount threshold value can be a value between 70% and 90% of the average transaction amount;
when the commodity to be promoted is used, after the commodity to be promoted is determined, a corresponding promotion strategy is adopted for the commodity to be promoted, so that the sales volume of the commodity to be promoted can be increased, the income of merchants is guaranteed, balance can be formed for a plurality of payment modes, the transaction cost to be born by the merchants is adjusted, and at least the transaction cost can be saved when the account fund of the merchants at the settlement end is settled with high probability.
When the account fund of the settlement end is settled, acquiring settlement cost born by a merchant when different payment modes are selected, wherein the settlement cost is transaction cost of the merchant; that is, the trade cost ratio Jyb is the ratio of trade cost to trade profit after the trade is completed by combining the trade profit of the trade merchant on the day when the trade is settled or the trade is submitted; if the transaction cost proportion Jyb is higher than the preset proportion threshold, the data communication unit 60 sends second early warning information to the merchant;
when the system is used, if the transaction cost proportion Jyb is higher, the transaction cost born by the merchant is higher when the corresponding payment mode is selected, and the system needs to be adjusted in time when the second early warning information is received.
Referring to fig. 1, after receiving the second early warning information, acquiring the lowest transaction cost in the payment mode selected by the current merchant, and sequentially acquiring the corresponding transaction area and the commodity to be promoted in the transaction area;
aiming at the commodity to be promoted, a promotion strategy corresponding to the commodity to be promoted is formulated or collected, and a promotion strategy library is established after summarizing; and matching corresponding promotion strategies from a promotion strategy library by the strategy matching unit 50 according to the predicted transaction amount of the commodity to be promoted and executing the corresponding promotion strategies.
When the commodity sales promotion system is used, in order to adjust the transaction cost borne by a merchant, after the commodity to be promoted is determined, the corresponding sales promotion strategy is matched and executed according to the corresponding predicted transaction amount, and the predicted transaction amount is made to correspond to the sales promotion strategy, so that the sales promotion scheme is more targeted, and if necessary, the sales promotion strategy can be deducted or simulated by establishing a commodity sales promotion model so as to ensure the effectiveness of the sales promotion strategy.
For example, when the merchant starts to close or approaches to close at the end of each transaction day, the merchant enters a transaction settlement stage; querying, by the processing unit 30, an amount Rz of funds to be settled within a settlement end of the aggregated payment account; if the amount Rz of the funds to be charged is greater than a preset settlement threshold, the data communication unit 60 sends a settlement notice to the merchant, and the settlement time of the funds to be charged is predefined by the merchant;
before a settlement end starts settlement, an encryption scheme library is established by the settlement end, so that the encryption scheme library comprises at least three account encryption schemes with different decryption difficulties; after receiving the settlement notification, the scheme matching unit 80 matches the encryption scheme from the encryption scheme library for the aggregated payment account, so that the decryption difficulty of the account encryption scheme corresponds to the amount to be settled; for example, if the funds to be settled are more, the matched encryption scheme is most difficult to crack; the aggregated payment account is encrypted by the matched encryption scheme.
When the method is used, the corresponding encryption scheme is matched for the aggregated payment account before the account is settled, and the encryption scheme is automatically replaced along with the change of the account-checking funds, for example, the encryption scheme with higher cracking difficulty is matched for the aggregated payment account along with the increase of the account-checking funds, so that when the settlement time is entered, the merchant decrypts and then enters the settlement step, and the safety of the funds is ensured.
Referring to fig. 1, when a merchant enters a settlement end to settle accounts for funds in an aggregated payment account, the settlement end performs identity recognition for the merchant, and the selected identity recognition mode at least comprises one of face recognition or fingerprint recognition; the settlement end sends a decryption key corresponding to the encryption scheme to a preset receiving address of the merchant; after the merchant receives the decryption key, the decryption unit 70 decrypts the matched encryption scheme, and after account decryption is completed, the merchant is guided to settle account funds in the aggregated payment account, and the transaction cost proportion Jyb is obtained;
when the aggregate payment account is in the settlement interface of the funds for posting, the visual unit 90 performs visual display on the amount of funds for posting in each time period, and performs visual display on the transaction amount of the commodity to be promoted in each time period;
the processing unit 30 obtains the settlement cost to be borne when different payment modes are selected, and combines the transaction profits of the merchant after the operation is finished on the same day to obtain the transaction cost proportion Jyb, and if the transaction cost proportion Jyb is higher than a preset proportion threshold value, the data communication unit 60 sends third early warning information to the merchant.
When the method is used, the fund safety is further improved through identification on the basis of encrypting the aggregated payment account, meanwhile, the transaction cost proportion Jyb is obtained again during settlement, whether the sales promotion strategy is effective or not is verified and judged according to the change of the transaction cost proportion Jyb, if the sales promotion scheme is effective, the transaction cost of the merchant is reduced, so that the low-cost settlement of the merchant is realized, and the sales cost of the merchant is reduced.
Meanwhile, whether the sales promotion strategy is effective or not can be displayed by visually displaying the transaction amount of the commodity to be promoted, if the sales promotion strategy is ineffective, the sales promotion strategy needs to be reselected or other commodity to be promoted is selected; thus, both the trade costs of the merchant can be balanced and adjusted, and the revenue can be increased by promotions, when it is difficult to control the trade costs.
The above embodiments may be implemented in whole or in part by software, hardware, firmware, or any other combination. When implemented in software, the above-described embodiments may be implemented in whole or in part in the form of a computer program product. Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
The foregoing is merely illustrative of the present application, and the present application is not limited thereto, and any person skilled in the art will readily recognize that variations or substitutions are within the scope of the present application.
Claims (10)
1. An aggregate payment system based on cloud computing, which is characterized in that: comprising the following steps: a fund monitoring unit (10), an early warning unit (20), a processing unit (30) and a data communication unit (60), wherein,
when funds are imported into the aggregate payment account, the funds monitoring unit (10) monitors the account-entering funds of the import settlement end in each transaction day, continuously acquires the funds imported from a plurality of transaction days along a time axis and performs variance analysis, acquires the standard deviation of the group of funds imported data, and if the increment of the standard deviation exceeds a preset increment threshold value along with the addition of the current funds imported, the early warning unit (20) sends first early warning information to a merchant;
inquiring and acquiring commodity transaction data of a current transaction day and a previous transaction day by the processing unit (30), and acquiring the transaction amount and the corresponding transaction price of each commodity from the commodity transaction data; collecting transaction prices and payment modes of a plurality of groups of commodities from commodity transaction data, and after summarizing, performing correlation analysis by the processing unit (30) to judge correlation coefficients between the transaction prices and the payment modes; according to the distribution of the correlation coefficient, obtaining a distribution interval of transaction prices corresponding to the payment mode, and further generating a plurality of transaction intervals corresponding to the payment mode;
selecting commodities to be promoted in a transaction interval, formulating or collecting a corresponding promotion strategy for the commodities to be promoted, and executing the promotion strategy, wherein a settlement notification is sent to a merchant by the data communication unit (60), and the settlement time of the account funds is predefined by the merchant; guiding the merchant to settle account funds in the aggregated payment account and acquiring a transaction cost proportion Jyb; if the transaction cost proportion Jyb is higher than a preset proportion threshold value, the data communication unit (60) sends early warning information to the merchant.
2. The aggregate payment system based on cloud computing of claim 1, wherein: the system also comprises a prediction analysis unit (40), wherein the commodity with the first three transaction quantities in each transaction interval is obtained as a representative commodity, the processing unit (30) inquires and obtains the historical sales quantity of the representative commodity from a commodity sales record, if the historical sales quantity of the representative commodity exceeds a preset first sales quantity threshold value, the prediction analysis unit (40) predicts the transaction quantities of the representative commodity in a plurality of next transaction days according to the established smooth index model by combining with the historical sales quantity data, and the predicted transaction quantity is obtained and output.
3. An aggregated payment system based on cloud computing as claimed in claim 2, wherein: acquiring average transaction amounts of a plurality of transaction days before the representative commodity, and taking the corresponding representative commodity as the commodity to be promoted if the average transaction amounts do not exceed a second sales threshold; when the account fund of the account end is settled, transaction cost born by the merchant is acquired when different payment modes are selected.
4. A cloud computing-based aggregated payment system according to claim 3, wherein: combining the transaction profit of the merchant after the operation is finished at the current transaction date, and taking the ratio of the transaction cost to the transaction profit as a transaction cost ratio Jyb; if the transaction cost proportion Jyb is higher than the preset proportion threshold, the data communication unit (60) sends out second early warning information to the merchant.
5. The aggregated payment system based on cloud computing of claim 4, wherein: the system also comprises a strategy matching unit (50) which acquires the lowest transaction cost in the payment mode selected by the current merchant after receiving the second early warning information, and sequentially acquires the corresponding transaction area and the commodity to be promoted in the transaction area; aiming at the commodity to be promoted, a promotion strategy corresponding to the commodity to be promoted is formulated or collected, and a promotion strategy library is established after summarizing; and matching corresponding promotion strategies from a promotion strategy library by the strategy matching unit (50) according to the predicted transaction amount of the commodity to be promoted and executing the corresponding promotion strategies.
6. The cloud computing-based aggregated payment system of claim 5, wherein: after the merchant enters a transaction settlement stage, inquiring the amount Rz of the funds to be settled in a settlement end of the aggregated payment account by the processing unit (30); if the amount Rz of the funds to be charged is larger than a preset settlement threshold value, a settlement notification is sent to the merchant by the data communication unit (60), and the settlement time of the funds to be charged is predefined by the merchant.
7. The aggregated payment system based on cloud computing of claim 6, wherein: the system also comprises a scheme matching unit (80), wherein an encryption scheme library is established by the settlement end before the settlement end starts settlement, so that the encryption scheme library contains at least three account encryption schemes with different decryption difficulties; after receiving a settlement notification, matching an encryption scheme from an encryption scheme library for the aggregated payment account by the scheme matching unit (80) so that the decryption difficulty of the account encryption scheme corresponds to the amount to be settled; the aggregated payment account is encrypted by the matched encryption scheme.
8. The aggregated payment system based on cloud computing of claim 7, wherein: the scheme matching unit (70) is further included, when the merchant enters the settlement end to settle accounts for the funds which are checked into the aggregated payment account, the settlement end performs identity recognition for the merchant, and the selected identity recognition mode at least comprises one of face recognition and fingerprint recognition; the settlement end sends a decryption key corresponding to the encryption scheme to a preset receiving address of the merchant; after the merchant receives the decryption key, the decryption unit (70) decrypts the matched encryption scheme, and after account decryption is completed, the merchant is guided to settle the account funds in the aggregated payment account, and the transaction cost proportion Jyb is obtained.
9. The aggregated payment system based on cloud computing of claim 8, wherein: the system further comprises a visualization unit (90), wherein when the aggregate payment account is in a settlement interface of the funds for posting, the visualization unit (90) performs visual display on the amount of funds for posting in each time period, and performs visual display on the transaction amount of the commodity to be promoted in each time period.
10. The aggregated payment system based on cloud computing of claim 6, wherein: the processing unit (30) acquires settlement cost to be born when different payment modes are selected, and combines transaction profits of merchants after operation is finished on the same day to acquire a transaction cost proportion Jyb, and if the transaction cost proportion Jyb is higher than a preset proportion threshold value, a data communication unit (60) sends third early warning information to the merchants.
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