WO2024119789A1 - Fund releasing method and apparatus, and computer device and readable storage medium - Google Patents

Abstract

The present application relates to the technical field of computer backends. Disclosed are a fund releasing method and apparatus, and a computer device and a readable storage medium, which solve the currently existing problem of the low releasing efficiency caused due to the fact that the manual acquisition of order data and the manual calculation of a releasable amount take a lot of time and the releasable amount cannot be acquired in a timely manner. The method comprises: in response to an evaluation request for a releasable amount, acquiring a plurality of orders that have occurred and are related to an object to be evaluated; counting, according to life cycle data of each order that has occurred, an amount of delivered goods and an amount of unreceived payments of the plurality of orders that have occurred; generating an evaluation result carrying the releasable amount and an object identifier of said object, and sending the evaluation result to an approval party; and when a consent indication fed back by the approval party on the basis of the evaluation result is received, releasing to said object funds with an amount equal to the releasable amount.

Description

Funds distribution method, device, computer equipment and readable storage medium

This application claims the priority of the Chinese patent application filed with the China Patent Office on December 7, 2022, with application number 202211562474.6 and application name “Method, device, computer equipment and readable storage medium for disbursement of funds”, all contents of which are incorporated by reference in the application.

Technical Field

The present application relates to the field of computer back-end technology and is applicable to the field of financial technology. Specifically, it relates to a method, device, computer equipment and readable storage medium for disbursement of funds.

Background technique

With the rapid expansion of the scale of e-commerce transactions, the e-commerce field is no longer confined to the traditional single business mode, but has formed a live broadcast e-commerce model that sells goods through live broadcasts. That is, everyone can become a merchant. In the development of the live broadcast e-commerce industry, merchants often have insufficient financial capabilities and need to obtain financing from banks and other financial institutions to support the healthy development of their business.

The applicant realized that merchants often initiate approval requests for releasable finance to resource providers. In order to calculate the actual releasable amount, it is necessary to obtain the merchants' real trade data, that is, it is necessary to manually download order status data from the live e-commerce backend management system every day, and based on the order status data obtained every day, manually calculate the releasable amount and initiate approval requests for releasable finance to the resource providers. This takes a lot of time and the releasable amount cannot be obtained in time, resulting in low issuance efficiency.

Summary of the invention

In view of this, the present application provides a method, device, computer equipment and readable storage medium for disbursement of funds, the main purpose of which is to solve the current problem of manually obtaining order data and manually calculating the disbursable amount, which takes a lot of time and cannot obtain the disbursable amount in time, resulting in low disbursement efficiency.

According to the first aspect of the present application, a method for disbursing funds is provided, comprising:

In response to an evaluation request for a remittable amount, determining an object to be evaluated indicated by the evaluation request, and acquiring a plurality of orders that have occurred related to the object to be evaluated;

According to the life cycle data of each of the multiple orders that have occurred, the amounts of goods shipped and the amounts of money not yet collected of the multiple orders that have occurred are counted;

Calculating the disbursable amount based on the shipped amount and the uncollected amount, generating an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, and sending the evaluation result to the approver;

When receiving the approval instruction from the approver based on the evaluation result feedback, the amount etc. The amount of funds that can be disbursed will be disbursed to the subject to be assessed.

Optionally, before responding to the request for the evaluation of the disbursable amount, determining the object to be evaluated indicated by the evaluation request, and obtaining a plurality of orders that have occurred related to the object to be evaluated, the method further includes:

Determine the platform store associated with the object to be evaluated, and obtain at least one order that has occurred in the platform store from the e-commerce platform at a preset time interval;

For each of the at least one occurred order, determining the occurrence time point of the occurred order, and recording the state change of the occurred order from the occurrence time point;

When it is detected that a transaction of an order has been completed, the state changes of the order from the time of occurrence to the current time point are sorted out to obtain the life cycle data of the order.

Optionally, the method further comprises:

Automatically obtaining the at least one order that has occurred in the platform store from the e-commerce platform at every preset time interval; or,

Continuously detecting the status change of each of the at least one order in the platform store, and when the status of an order changes, obtaining the at least one order from the e-commerce platform; or,

When it is detected that the object to be evaluated requests to obtain an order, the at least one order that has occurred in the platform store is obtained from the e-commerce platform.

Optionally, recording the state change of the order that has occurred since the occurrence time point includes:

When it is detected that the status of the order that has occurred is a creation status, marking the order that has occurred with a start mark; or,

When it is detected that the status of the order that has occurred is a shipped status, marking the order that has occurred with a shipped flag; or,

When it is detected that the status of the order that has occurred is a transaction completed status, the order that has occurred is marked with a transaction completed mark; or,

When it is detected that the status of the order that has occurred is the payment-collected status, the order that has occurred is marked with a completed mark.

Optionally, counting the shipped amount and the uncollected amount of the multiple orders according to the life cycle data of each of the multiple orders includes:

Determine the life cycle data of each of the orders that have occurred, obtain at least one first order that has occurred and carries the shipped identifier based on the life cycle data of each of the orders that have occurred, read the order amount in the life cycle data of each of the at least one first order that has occurred, and calculate the sum of the order amounts of the at least one first order that has occurred as the shipped amount;

Based on the life cycle data of each of the at least one order that has occurred, obtaining at least one second order that has occurred and carries the completed mark in the at least one order that has occurred. generating an order, and reading the amount of money returned in the life cycle data of each second order in the at least one second order that has occurred, and calculating the sum of the amount of money returned of the at least one second order that has occurred as the total amount of money returned;

The difference between the amount of goods shipped and the total amount of payments received is calculated as the amount of payments not received.

Optionally, the calculating the disbursable amount based on the shipped amount and the uncollected amount includes:

Obtaining the release ratio, preset settlement ratio and service fee related to the object to be evaluated, as well as the return rate of the multiple orders that have occurred within a preset time, and the order release amount of at least one order among the multiple orders that has been paid and returned;

Calculate the product of the shipped amount and the release ratio to obtain a first result, and subtract the first result from the order release amount to obtain a first release amount;

Calculate the product of the uncollected amount and the preset settlement ratio to obtain a second result, calculate the product of the shipped amount and the return rate to obtain a third result, and calculate the product of the shipped amount, the service fee, and the issuance ratio to obtain a fourth result, determine the difference between the second result and the third result, and subtract the difference from the fourth result to obtain a second issuance amount;

The first disbursement amount is compared with the second disbursement amount, and a smaller disbursement amount between the first disbursement amount and the second disbursement amount is determined as the disbursable amount.

Optionally, when receiving the consent indication from the approving party based on the feedback of the evaluation result, after disbursing the amount equal to the disbursable amount to the object to be evaluated, the method further includes:

Obtaining order data of each of a plurality of orders associated with the paid issuance amount from the e-commerce platform, and calculating the issuance handling fee based on each of the order data;

Sending to the approver an amount equal to the sum of the paid issuance amount and the issuance handling fee.

According to a second aspect of the present application, a payment disbursement device is provided, comprising:

An acquisition module, configured to respond to an evaluation request for a remittable amount, determine an object to be evaluated indicated by the evaluation request, and acquire a plurality of orders that have occurred related to the object to be evaluated;

A statistics module, used for counting the shipped amount and the uncollected amount of the multiple orders that have occurred according to the life cycle data of each of the multiple orders that have occurred;

A generation module, used to calculate the disbursable amount based on the shipped amount and the uncollected amount, generate an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, and send the evaluation result to the approver;

The issuing module is used to issue a payment equal to the issuable amount to the object to be evaluated when receiving an indication of consent from the approving party based on the feedback of the evaluation result.

Optionally, the device further comprises:

The first acquisition module is used to determine the platform store associated with the object to be evaluated, and every preset At a time interval, obtaining at least one order that has occurred in a store on the platform from the e-commerce platform;

A recording module, configured to determine, for each of the at least one occurred order, an occurrence time point of the occurred order, and record a state change of the occurred order from the occurrence time point;

The sorting module is used to sort out the state changes of the order from the occurrence time point to the current time point when it is detected that a transaction of an order has been completed, so as to obtain the life cycle data of the order.

Optionally, the first acquisition module is further used to automatically acquire the at least one order that has occurred in the platform store from the e-commerce platform at every preset time interval; or, continuously detect the status change of each of the at least one order that has occurred in the platform store, and when the status of an order that has occurred changes, acquire the at least one order that has occurred from the e-commerce platform; or, when it is detected that the object to be evaluated requests to acquire an order, acquire the at least one order that has occurred in the platform store from the e-commerce platform.

Optionally, the recording module is also used to mark the order with a start mark when it is detected that the status of the order is a creation status; or, when it is detected that the status of the order is a shipment status, mark the order with a shipped mark; or, when it is detected that the status of the order is a transaction completion status, mark the order with a transaction completion mark; or, when it is detected that the status of the order is a payment received status, mark the order with a completion mark.

Optionally, the statistical module is also used to determine the life cycle data of each of the orders that have occurred, obtain at least one first order that has occurred and carries the shipped mark based on the life cycle data of each of the orders that have occurred, read the order amount in the life cycle data of each of the at least one first order that has occurred, and calculate the sum of the order amounts of the at least one first order that has occurred as the shipped amount; based on the life cycle data of each of the at least one order that has occurred, obtain at least one second order that has occurred and carries the completed mark in the at least one order that has occurred, and read the amount of money collected in the life cycle data of each of the at least one second order that has occurred, and calculate the sum of the amount of money collected of the at least one second order that has occurred as the total amount of money collected; calculate the difference between the shipped amount and the total amount of money collected as the uncollected amount.

Optionally, the generation module is further used to obtain the issuance ratio, preset settlement ratio and service fee related to the object to be evaluated, as well as the return rate of the multiple orders that have occurred within a preset time, and the order issuance amount of at least one order among the multiple orders that has paid the issuance amount and returned the goods; calculate the product of the shipped amount and the issuance ratio to obtain a first result, and subtract the first result from the order issuance amount to obtain a first issuance amount; calculate the product of the uncollected amount and the preset settlement ratio to obtain a second result, calculate the product of the shipped amount and the return rate to obtain a third result, and calculate the product of the shipped amount, the service fee and the issuance ratio to obtain a fourth result, determine the difference between the second result and the third result, and subtract the difference from the fourth result to obtain a fourth result. 2. A disbursement amount; comparing the first disbursement amount with the second disbursement amount, and determining the smaller disbursement amount between the first disbursement amount and the second disbursement amount as the disbursable amount.

Optionally, the device further comprises:

A calculation module, used to obtain order data of each of a plurality of orders associated with the paid issuance amount from the e-commerce platform, and calculate the issuance handling fee based on each order data;

The repayment module is used to send an amount equal to the sum of the paid issuance amount and the issuance fee to the approving party.

According to a third aspect of the present application, a computer device is provided, including a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

In response to an evaluation request for a remittable amount, determining an object to be evaluated indicated by the evaluation request, and acquiring a plurality of orders that have occurred related to the object to be evaluated;

According to the life cycle data of each of the multiple orders that have occurred, the amounts of goods shipped and the amounts of money not yet collected of the multiple orders that have occurred are counted;

Calculating the disbursable amount based on the shipped amount and the uncollected amount, generating an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, and sending the evaluation result to the approver;

When the approval indication based on the evaluation result feedback is received from the approval party, a sum equal to the disbursable amount is disbursed to the object to be evaluated.

According to a fourth aspect of the present application, a readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

In response to an evaluation request for a remittable amount, determining an object to be evaluated indicated by the evaluation request, and acquiring a plurality of orders that have occurred related to the object to be evaluated;

According to the life cycle data of each of the multiple orders that have occurred, the amounts of goods shipped and the amounts of money not yet collected of the multiple orders that have occurred are counted;

Calculating the disbursable amount based on the shipped amount and the uncollected amount, generating an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, and sending the evaluation result to the approver;

When the approval indication based on the evaluation result feedback is received from the approval party, a sum equal to the disbursable amount is disbursed to the object to be evaluated.

By means of the above technical solution, the present application provides a payment disbursement method, which first responds to an evaluation request for the disbursable amount, determines the object to be evaluated indicated by the evaluation request, obtains multiple orders related to the object to be evaluated, and then counts the shipped amount and the uncollected amount of the multiple orders according to the life cycle data of each of the multiple orders. The releasable amount is calculated based on the amount of goods shipped and the amount of money not yet collected, an evaluation result carrying the releasable amount and the object identifier of the object to be evaluated is generated, and the evaluation result is sent to the approver. Finally, when the approver's consent instruction based on the evaluation result feedback is received, the amount equal to the releasable amount is released to the object to be evaluated. By automatically obtaining the life cycle data of each order that has occurred, automatically calculating the releasable amount, sending the evaluation result carrying the releasable amount to the approver for approval, and automatically releasing the money based on the approval result, the entire process is automatically completed, getting rid of the dependence on manual labor, and solving the current problems of manual acquisition of order data and manual calculation of the releasable amount, which takes a lot of time and cannot obtain the releasable amount in time, resulting in low release efficiency.

The above description is only an overview of the technical solution of the present application. In order to more clearly understand the technical means of the present application, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present application more obvious and easy to understand, the specific implementation methods of the present application are listed below.

BRIEF DESCRIPTION OF THE DRAWINGS

Various other advantages and benefits will become apparent to those of ordinary skill in the art by reading the detailed description of the preferred embodiments below. The accompanying drawings are only for the purpose of illustrating the preferred embodiments and are not to be considered as limiting the present application. Moreover, the same reference symbols are used throughout the accompanying drawings to represent the same components. In the accompanying drawings:

FIG1 shows a flow chart of a method for disbursing funds provided in an embodiment of the present application.

FIG2 shows an architecture diagram of another method for disbursing funds provided in an embodiment of the present application.

FIG3A shows a flow chart of another method for disbursing funds provided in an embodiment of the present application.

FIG3B shows an overall flow chart of another method for disbursing funds provided in an embodiment of the present application.

FIG4A shows a schematic diagram of the structure of a payment disbursement device provided in an embodiment of the present application.

FIG4B shows a schematic diagram of the structure of a payment disbursement and exchange device provided in an embodiment of the present application.

FIG4C shows a schematic diagram of the structure of a payment disbursement and exchange device provided in an embodiment of the present application.

FIG5 shows a schematic diagram of the device structure of a computer device provided in an embodiment of the present application.

Detailed ways

Various aspects and features of the present application are described herein with reference to the accompanying drawings.

It should be understood that various modifications may be made to the embodiments of the present application. Therefore, the above description should not be considered as limiting, but only as an example of the embodiments. Other modifications within the scope and spirit of the present application will occur to those skilled in the art.

The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate embodiments of the present application and, together with the general description of the present application given above and the detailed description of the embodiments given below, serve to explain the principles of the present application.

These and other characteristics of the present application will become apparent from the following description of a preferred form of embodiment given as a non-limiting example with reference to the accompanying drawings.

It should also be understood that although the present application has been described with reference to some specific examples, those skilled in the art will be able to readily implement many other equivalent forms of the present application.

The above and other aspects, features and advantages of the present application will become more apparent in view of the following detailed description when taken in conjunction with the accompanying drawings.

Specific embodiments of the present application are described hereinafter with reference to the accompanying drawings; however, it should be understood that the embodiments applied for are merely examples of the present application, which may be implemented in a variety of ways. Well-known and/or repeated functions and structures are not described in detail to avoid unnecessary or redundant details that obscure the present application. Therefore, the specific structural and functional details applied for herein are not intended to be limiting, but merely serve as a basis and representative basis for the claims to teach those skilled in the art to use the present application in a variety of ways with substantially any suitable detailed structure.

This specification may use the phrases "in one embodiment," "in another embodiment," "in yet another embodiment," or "in other embodiments," all of which may refer to one or more of the same or different embodiments according to the present application.

The present application embodiment provides a payment disbursement method, as shown in FIG1 , including:

101. In response to an evaluation request for a remittable amount, determine an object to be evaluated indicated by the evaluation request, and obtain a plurality of incurred orders related to the object to be evaluated.

The inventors realize that in the actual application process, in order to calculate the actual amount that can be issued, it is necessary to obtain the real trade data of the merchant, that is, it is necessary to manually download the order status data from the live e-commerce backend management system every day, which takes a lot of time and cannot obtain the amount that can be issued in time, resulting in low issuance efficiency. Based on this, the present application proposes a payment issuance method, wherein, in response to the evaluation request of the amount that can be issued, the digital management tool can directly obtain multiple orders that have occurred related to the object to be evaluated, without the need to manually obtain the orders that have occurred, thereby improving the issuance efficiency. It should be noted that in the embodiments of the present application, it is also possible that, in response to the evaluation request of the amount that can be issued, the system configured with the digital management tool directly obtains multiple orders that have occurred related to the object to be evaluated. For example, the digital management tool can be a robotic process automation tool (Robotic Process Automation, PRA), and the system configured with the digital management tool can be a issuance system configured with the robotic process automation tool.

Exemplarily, in response to an evaluation request for a remittable amount, the robotic process automation tool determines the object A indicated by the evaluation request and automatically obtains multiple orders that have occurred related to object A.

102. According to the life cycle data of each of the multiple orders that have occurred, the shipped amount and the uncollected amount of the multiple orders that have occurred are counted.

In an embodiment of the present application, after obtaining multiple orders that have occurred related to the object to be evaluated, the digital management tool determines the life cycle data of each of the multiple orders that have occurred, and automatically counts the shipped amounts and uncollected amounts of the multiple orders that have occurred based on the life cycle data of each of the multiple orders that have occurred.

It should be noted that the life cycle data of each order that has occurred is pre-stored in the database. The server equipped with the database in the embodiment of the present application can be an independent server, or it can provide cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), as well as cloud servers for basic cloud computing services such as big data and artificial intelligence platforms, so that the life cycle data of each order that has occurred can be extracted from the database to implement the technical solution described in this application.

103. Calculate the disbursable amount based on the shipped amount and the uncollected amount, generate an evaluation result that carries the disbursable amount and the object identifier of the object to be evaluated, and send the evaluation result to the approver.

In an embodiment of the present application, after counting the shipped amounts and uncollected amounts of multiple orders that have occurred, the digital management tool can automatically calculate the disbursable amount based on the shipped amounts and the uncollected amounts, and generate an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, wherein the object identifier of the object to be evaluated can be the name of the object to be evaluated or the ID number of the object to be evaluated. Then, the evaluation result is sent to the approving party.

104. When the approval indication based on the evaluation result feedback is received from the approving party, an amount equal to the disbursable amount will be disbursed to the object to be evaluated.

In an embodiment of the present application, after the evaluation result is sent to the approver, the digital management tool will receive the approval result fed back by the approver within a preset time period. When receiving the approval indication from the approver based on the evaluation result feedback, the amount equal to the disbursable amount can be issued to the object to be evaluated. When receiving the disapproval indication from the approver based on the evaluation result feedback, the digital management tool can send a disapproval mark to the object to be evaluated via SMS, email, etc. It should be noted that if the digital management tool does not receive the approval result fed back by the approver within the preset time period, the digital management tool can send a reminder message to the approver to remind the approver to process the business as soon as possible, wherein the preset time period can be 1 day, 2 days, etc., that is, the preset time period can be flexibly set according to the needs of the object to be evaluated.

The method provided in the embodiment of the present application first responds to an evaluation request for a releasable amount, determines an object to be evaluated indicated by the evaluation request, obtains multiple orders that have occurred related to the object to be evaluated, and then, based on the life cycle data of each of the multiple orders that have occurred, counts the shipped amounts and uncollected amounts of the multiple orders that have occurred, then calculates the releasable amount based on the shipped amount and the uncollected amount, generates an evaluation result carrying the releasable amount and the object identifier of the object to be evaluated, and sends the evaluation result to the approver, and finally, when the approver receives a consent indication based on the evaluation result feedback, the amount equal to the releasable amount is releasable to the object to be evaluated. By automatically obtaining the life cycle data of each order that has occurred, automatically calculating the releasable amount, sending the evaluation result carrying the releasable amount to the approver for approval, and automatically disbursing the amount based on the approval result, the entire process is automatically completed, getting rid of dependence on manual labor, and solving the current problems of manually obtaining order data and manually calculating the releasable amount, which takes a lot of time and cannot obtain the releasable amount in time, resulting in low disbursement efficiency.

The present application embodiment provides a payment disbursement method, as shown in FIG3A , including:

201. Obtain at least one order that has occurred from the e-commerce platform at every preset time interval, and obtain life cycle data of each order that has occurred.

In the embodiment of the present application, the platform store associated with the object to be evaluated is first determined, and at least one order that has occurred in the platform store is obtained from the e-commerce platform at every preset time interval. For each of at least one of the orders that have occurred, determine the time point of occurrence of the order, record the status changes of the order from the time point of occurrence, and then when it is detected that a transaction of the order has been completed, organize the status changes of the order from the time point of occurrence to the current time point to obtain the life cycle data of the order; for example, the associated platform store of the object to be evaluated is a beauty shop, and when a consumer buys cosmetics from the beauty shop, an order is generated, which is called an order that has occurred, and the time point when the consumer buys the cosmetics is the time point of occurrence. When it is detected that the order transaction is completed, the digital management tool organizes the status of the order from the time point of occurrence to the current time point to obtain the life cycle data of the order.

Specifically, the status of an order that has occurred includes a creation status, a shipment status, a transaction completion status, and a payment received status. When it is detected that the status of an order that has occurred is a creation status, the order is marked with a start marker; when it is detected that the status of an order that has occurred is a shipment status, the order is marked with a shipped marker; when it is detected that the status of an order that has occurred is a transaction completion status, the order is marked with a transaction completion marker; when it is detected that the status of an order that has occurred is a payment received status, the order is marked with a completed marker.

Furthermore, in actual application, the digital management tool can automatically obtain at least one order that has occurred in the platform store from the e-commerce platform at preset time intervals, such as automatically downloading at least one order that has occurred in the platform store from the e-commerce platform every day. The digital management tool can also continuously detect the status change of each order that has occurred in the platform store. When the status of any order that has occurred changes, at least one order that has occurred is obtained from the e-commerce platform. For example, when an order that has occurred is signed for, the digital management tool will obtain at least one order that has occurred from the e-commerce platform. In other application scenarios, if the payment request of the object to be evaluated has not been approved, after a period of hard work, the object to be evaluated will manually request to obtain the order again. When the digital management tool detects that the object to be evaluated requests to obtain the order, it will obtain at least one order that has occurred in the platform store from the e-commerce platform.

202. In response to an evaluation request for a remittable amount, determine an object to be evaluated indicated by the evaluation request, and obtain a plurality of incurred orders related to the object to be evaluated.

In an embodiment of the present application, when the object to be evaluated requests financing, the robotic process automation tool automatically downloads multiple orders that have occurred in the platform store associated with the object to be evaluated from the e-commerce platform. It should be noted that the robotic process automation tool is an application that provides another way to automate the manual operation process of the end user by imitating the manual operation method of the end user on the computer. That is, the robotic process automation tool can simulate the interaction between humans and computers, replacing manual processing of complex, tedious and large-scale affairs, thereby greatly reducing the manpower costs of the enterprise, improving overall work efficiency, and even assisting in discovering unnecessary links in the workflow and achieving process optimization.

203. According to the life cycle data of each of the multiple orders that have occurred, the shipped amount and the uncollected amount of the multiple orders that have occurred are counted.

In the embodiment of the present application, the life cycle data of each order that has occurred is first determined, and based on the life cycle data of each order that has occurred, at least one first order that has been shipped and carries a shipped mark is obtained. An order is generated, and the order amount is read in the life cycle data of each first order in at least one first order, and the sum of the order amounts of at least one first order is calculated as the shipped amount. Subsequently, based on the life cycle data of each order in at least one order, at least one second order with a completed mark is obtained from at least one order, and the amount of money collected is read in the life cycle data of each second order in at least one second order, and the sum of the amount of money collected of at least one second order is calculated as the total amount of money collected, and then the difference between the shipped amount and the total amount of money collected is calculated as the amount not yet collected.

204. Calculate the disbursable amount based on the shipped amount and the uncollected amount, generate an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, and send the evaluation result to the approver.

In an embodiment of the present application, first, the issuance ratio, preset settlement ratio and service fee related to the object to be evaluated are obtained, as well as the return rate of multiple orders that have occurred within a preset time, and the order issuance amount of at least one order among multiple orders that has paid the issuance amount and returned the goods. Then, the product of the shipped amount and the issuance ratio is calculated to obtain a first result, and the first result is subtracted from the order issuance amount to obtain a first issuance amount. Next, the product of the uncollected amount and the preset settlement ratio is calculated to obtain a second result, the product of the shipped amount and the return rate is calculated to obtain a third result, and the product of the shipped amount, the service fee and the issuance ratio is calculated to obtain a fourth result. The difference between the second result and the third result is determined, and the difference is subtracted from the fourth result to obtain the second issuance amount. Finally, the first issuance amount is compared with the second issuance amount to determine the smaller issuance amount between the first issuance amount and the second issuance amount as the issuance amount that can be issued.

205. When receiving the approval indication from the approving party based on the evaluation result feedback, the amount equal to the disbursable amount will be disbursed to the object to be evaluated.

In an embodiment of the present application, when the approving party receives the evaluation result carrying the disbursable amount and the object identification of the object to be evaluated, it will verify the identity information of the object to be evaluated, and review the credit rating of the object to be evaluated based on the identity information. When the object to be evaluated meets the conditions for the issuance of funds, it will confirm that the review has passed and agree to the loan, and feedback the consent indication to the digital management tool or the system configured with the digital management tool. When the digital management tool or the system configured with the digital management tool detects the feedback consent indication, it will issue funds equal to the disbursable amount to the object to be evaluated.

206. Send an amount equal to the sum of the payment already made and the payment handling fee to the approving party.

In an embodiment of the present application, after the subject to be evaluated obtains the paid payment, the digital management tool will obtain the order data of each of the multiple orders associated with the paid payment from the e-commerce platform after a preset time, and then calculate the payment fee based on each order data, and then send the amount equal to the sum of the paid payment and the payment fee to the approver.

The method provided in the embodiment of the present application has a specific architecture diagram as shown in FIG2. The live broadcast platform can be any digital marketing system on the market, such as platform A, platform B, etc. The resource platform can be any formal financial institution, such as approver A, approver B, etc., and the loan platform configured with the PRA tool The system can realize the following functions: when the loan system detects an evaluation request for the disbursable amount initiated by object A, the PRA tool configured in the loan system automatically obtains multiple orders, loan bills and after-sales data related to object A from the relevant platform, and determines the life cycle data of each of the multiple orders. Based on the life cycle data of each order, the loan system counts the shipped amount and the uncollected amount of the multiple orders, and calculates the disbursable amount based on the loan bill and after-sales data, generates an evaluation result carrying the disbursable amount and the object identification of object A, and sends the evaluation result to the relevant approval party. When the loan system receives the consent instruction from the relevant approval party based on the feedback of the evaluation result, the target amount is disbursed to object A. After object A obtains the paid disbursement, the PRA tool automatically obtains the order data of each order in the multiple orders associated with the paid disbursement from the relevant platform, and automatically sends the amount equal to the sum of the paid disbursement and the disbursement fee to the approval party within the preset time. When the repayment period is about to reach, the loan system can also remind the merchant to repay.

In summary, the process of a payment payment method proposed in this application in actual application can be summarized as follows:

Referring to FIG3B , the PRA tool configured in the loan system automatically obtains and saves at least one existing sales order, loan bill and after-sales data from the e-commerce platform at preset time intervals, and then determines the start import time point of at least one existing sales order. When it is detected that the status of the order at the start import time point is shipped, the following process is continued. When it is detected that the status of the order at the start import time point is pending shipment, no processing is performed on the order. When it is detected that the status of the order at the start import time point is closed, if the order has been funded, the amount of financing needs to be deducted. For at least one existing sales order with an order status of shipped, the occurrence time point of the existing sales order is determined, and the status changes of the existing sales order from the occurrence time point are recorded. When it is detected that a transaction of an existing sales order is completed, the status changes of the existing sales order from the occurrence time point to the current time point are sorted out to obtain the life cycle of the existing sales order. cycle data, and then according to the life cycle data of each of the multiple sales orders that have occurred, the shipped amount and the uncollected amount of the multiple sales orders that have occurred are counted, and the financeable amount is calculated according to the formula based on the shipped amount and the uncollected amount, and the financing request carrying the financeable amount is sent to the funding party, and the funding party approves the financing request. When the loan system receives the funding party's consent indication based on the financing request feedback, the amount equal to the financeable amount is issued to the target merchant. When the loan system receives the funding party's disagreement indication based on the financing request feedback, the merchant can re-initiate the financing request. After the target merchant obtains the financing funds, the PRA tool automatically obtains the order data of each of the multiple orders associated with the financing funds from the e-commerce platform, and calculates the financing fee based on the loan bill. After the preset time, the amount equal to the sum of the loan amount and the financing fee is automatically sent to the funding party to complete the repayment operation and end the entire financing process.

The method provided in the embodiment of the present application automatically obtains the life cycle data of each order that has occurred, automatically calculates the amount that can be issued, and sends the evaluation result with the amount that can be issued to the approving party for approval and automatically issues the payment based on the approval result. The entire process is automatically completed, eliminating the need for The reliance on manual labor solves the current problem of manually obtaining order data and manually calculating the amount that can be disbursed, which takes a lot of time, fails to obtain the amount that can be disbursed in a timely manner, and leads to low disbursement efficiency.

Furthermore, as a specific implementation of the method described in FIG. 1 , as shown in FIG. 4A , an embodiment of the present application provides a payment disbursement device, including: an acquisition module 301 , a statistics module 302 , a generation module 303 and a disbursement module 304 .

The acquisition module 301 is used to respond to the evaluation request of the disbursable amount, determine the object to be evaluated indicated by the evaluation request, and obtain multiple orders that have occurred related to the object to be evaluated;

The statistical module 302 is used to count the shipped amount and the uncollected amount of the multiple orders according to the life cycle data of each of the multiple orders;

The generating module 303 is used to calculate the disbursable amount based on the shipped amount and the uncollected amount, generate an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, and send the evaluation result to the approver;

The issuing module 304 is used to issue a payment equal to the disbursable amount to the object to be evaluated when receiving an approval indication from the approver based on the evaluation result feedback.

In a specific application scenario, as shown in FIG. 4B , the device further includes: a first acquisition module 305 , a recording module 306 and an arrangement module 307 .

The first acquisition module 305 is used to determine the platform store associated with the object to be evaluated, and obtain at least one order that has occurred in the platform store from the e-commerce platform at a preset time interval;

The recording module 306 is used to determine the occurrence time point of each of the at least one occurred order, and record the state change of the occurred order from the occurrence time point;

The sorting module 307 is used to sort out the state changes of the order from the occurrence time point to the current time point when it is detected that a transaction of an order has been completed, so as to obtain the life cycle data of the order.

In a specific application scenario, the first acquisition module 305 is also used to automatically acquire at least one order that has occurred in a platform store from the e-commerce platform at preset time intervals; or, continuously detect the status change of each order that has occurred in at least one order that has occurred in the platform store, and when the status of an order that has occurred changes, acquire at least one order that has occurred from the e-commerce platform; or, when it is detected that the object to be evaluated requests to acquire an order, acquire at least one order that has occurred in a platform store from the e-commerce platform.

In a specific application scenario, the recording module 306 is also used to mark the order with a start mark when it is detected that the status of the order is a creation status; or, when it is detected that the status of the order is a shipment status, mark the order with a shipped mark; or, when it is detected that the status of the order is a transaction completion status, mark the order with a transaction completion mark; or, when it is detected that the status of the order is a payment received status, mark the order with a completion mark.

In a specific application scenario, the statistics module 302 is also used to determine the number of each order that has occurred. Lifecycle data, based on the lifecycle data of each order that has occurred, obtain at least one first order that has occurred with a shipped mark, and read the order amount in the lifecycle data of each first order in at least one first order that has occurred, and calculate the sum of the order amounts of at least one first order that has occurred as the shipped amount; based on the lifecycle data of each order that has occurred in at least one order that has occurred, obtain at least one second order that has occurred with a completed mark in at least one order that has occurred, and read the amount of money collected in the lifecycle data of each second order in at least one second order that has occurred, and calculate the sum of the amount of money collected of at least one second order that has occurred as the total amount of money collected; calculate the difference between the shipped amount and the total amount of money collected as the amount not yet collected.

In a specific application scenario, the generation module 303 is also used to obtain the issuance ratio, preset settlement ratio and service fee related to the object to be evaluated, as well as the return rate of multiple orders that have occurred within a preset time, and the order issuance amount of at least one order that has paid the issuance amount and returned the goods among multiple orders; calculate the product of the amount shipped and the issuance ratio to obtain a first result, and subtract the first result from the order issuance amount to obtain a first issuance amount; calculate the product of the uncollected amount and the preset settlement ratio to obtain a second result, calculate the product of the amount shipped and the return rate to obtain a third result, and calculate the product of the amount shipped, the service fee and the issuance ratio to obtain a fourth result, determine the difference between the second result and the third result, subtract the difference from the fourth result to obtain the second issuance amount; compare the first issuance amount with the second issuance amount, and determine the smaller issuance amount between the first issuance amount and the second issuance amount as the issuance amount.

In a specific application scenario, as shown in FIG4C , the device further includes: a calculation module 308 and a repayment module 309.

The calculation module 308 is used to obtain order data of each order in a plurality of orders associated with the paid issuance amount from the e-commerce platform, and calculate the issuance handling fee based on each order data;

The repayment module 309 is used to send an amount equal to the sum of the paid issuance amount and the issuance fee to the approval party.

The device provided in the embodiment of the present application first responds to the evaluation request of the releasable amount through the acquisition module, determines the object to be evaluated indicated by the evaluation request, obtains multiple orders related to the object to be evaluated, and then uses the statistical module to count the shipped amount and the uncollected amount of the multiple orders according to the life cycle data of each order in the multiple orders. Then, the releasable amount is calculated based on the shipped amount and the uncollected amount by the generation module, and the evaluation result carrying the releasable amount and the object identifier of the object to be evaluated is generated, and the evaluation result is sent to the approver. Finally, when the approval indication based on the evaluation result feedback is received from the approver, the payment equal to the releasable amount is issued to the object to be evaluated. By automatically acquiring the life cycle data of each order that has occurred, automatically calculating the releasable amount, sending the evaluation result carrying the releasable amount to the approver for approval, and automatically issuing the payment based on the approval result, the whole process is automatically completed, getting rid of the dependence on manual labor, and solving the current problems of manually acquiring order data and manually calculating the releasable amount, spending a lot of time, and failing to obtain the releasable amount in time, resulting in low issuance efficiency.

In an exemplary embodiment, referring to FIG5 , a computer device is also provided, which includes a bus, a processor, a memory, and a communication interface, and may also include an input/output interface and a display device, wherein each functional unit can communicate with each other through the bus. The memory stores a computer program, and the processor is used to execute the program stored in the memory and execute the payment disbursement method in the above embodiment.

A readable storage medium stores a computer program, which implements the steps of the payment disbursement method when executed by a processor.

Through the description of the above implementation methods, those skilled in the art can clearly understand that the present application can be implemented by hardware, or by means of software plus a necessary general hardware platform. Based on such an understanding, the technical solution of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.), or a volatile storage medium, and the readable storage medium includes a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each implementation scenario of the present application.

Those skilled in the art will appreciate that the accompanying drawings are merely schematic diagrams of a preferred implementation scenario, and the modules or processes in the accompanying drawings are not necessarily required for implementing the present application.

Those skilled in the art will appreciate that the modules in the device in the implementation scenario can be distributed in the device in the implementation scenario according to the implementation scenario description, or can be changed accordingly and located in one or more devices different from the implementation scenario. The modules in the above implementation scenario can be combined into one module, or can be further split into multiple sub-modules.

The above application serial numbers are for description only and do not represent the advantages or disadvantages of the implementation scenarios.

The above embodiments are only exemplary embodiments of the present application and are not intended to limit the present application. The protection scope of the present application is defined by the claims. Those skilled in the art may make various modifications or equivalent substitutions to the present application within the essence and protection scope of the present application, and such modifications or equivalent substitutions shall also be deemed to fall within the protection scope of the present application.

Claims (20)

A method for disbursing funds, comprising: In response to an evaluation request for a remittable amount, determining an object to be evaluated indicated by the evaluation request, and acquiring a plurality of orders that have occurred related to the object to be evaluated; According to the life cycle data of each of the multiple orders that have occurred, the amounts of goods shipped and the amounts of money not yet collected of the multiple orders that have occurred are counted; Calculating the disbursable amount based on the shipped amount and the uncollected amount, generating an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, and sending the evaluation result to the approver; When the approval indication is received from the approving party based on the evaluation result feedback, a sum equal to the disbursable amount is disbursed to the object to be evaluated. The payment disbursement method according to claim 1, wherein, in response to the evaluation request of the disbursable amount, before determining the object to be evaluated indicated by the evaluation request and obtaining a plurality of orders that have occurred related to the object to be evaluated, the method further comprises: Determine the platform store associated with the object to be evaluated, and obtain at least one order that has occurred in the platform store from the e-commerce platform at a preset time interval; For each of the at least one occurred order, determining the occurrence time point of the occurred order, and recording the state change of the occurred order from the occurrence time point; When it is detected that a transaction of an order has been completed, the state changes of the order from the time of occurrence to the current time point are sorted out to obtain the life cycle data of the order. The payment disbursement method according to claim 2, wherein the method further comprises: Automatically obtaining the at least one order that has occurred in the platform store from the e-commerce platform at every preset time interval; or, Continuously detecting the status change of each of the at least one order in the platform store, and when the status of an order changes, obtaining the at least one order from the e-commerce platform; or, When it is detected that the object to be evaluated requests to obtain an order, the at least one order that has occurred in the platform store is obtained from the e-commerce platform. The payment disbursement method according to claim 2, wherein the step of recording the status change of the order from the occurrence time point comprises: When it is detected that the status of the order that has occurred is a creation status, marking the order that has occurred with a start mark; or, When it is detected that the status of the order that has occurred is a shipped status, marking the order that has occurred with a shipped flag; or, When it is detected that the status of the order that has occurred is a transaction completed status, the order that has occurred is marked with a transaction completed mark; or, When it is detected that the status of the order has been paid, the completed mark is used to The orders that have occurred are marked. The payment disbursement method according to claim 4, wherein the step of counting the shipped amount and the uncollected amount of the multiple orders according to the life cycle data of each of the multiple orders comprises: Determine the life cycle data of each of the orders that have occurred, obtain at least one first order that has occurred and carries the shipped identifier based on the life cycle data of each of the orders that have occurred, read the order amount in the life cycle data of each of the at least one first order that has occurred, and calculate the sum of the order amounts of the at least one first order that has occurred as the shipped amount; Based on the life cycle data of each of the at least one order that has occurred, obtaining at least one second order that has occurred and carrying the completed identifier from the at least one order that has occurred, and reading the amount of money that has been returned from the life cycle data of each of the at least one second order that has occurred, and calculating the sum of the amounts of money that have been returned of the at least one second order that has occurred as the total amount of money that has been returned; The difference between the amount of goods shipped and the total amount of payments received is calculated as the amount of payments not received. The payment disbursement method according to claim 1, wherein the calculation of the disbursable amount based on the shipped amount and the uncollected amount comprises: Obtaining the release ratio, preset settlement ratio and service fee related to the object to be evaluated, as well as the return rate of the multiple orders that have occurred within a preset time, and the order release amount of at least one order among the multiple orders that has been paid and returned; Calculate the product of the shipped amount and the release ratio to obtain a first result, and subtract the first result from the order release amount to obtain a first release amount; Calculate the product of the uncollected amount and the preset settlement ratio to obtain a second result, calculate the product of the shipped amount and the return rate to obtain a third result, and calculate the product of the shipped amount, the service fee, and the issuance ratio to obtain a fourth result, determine the difference between the second result and the third result, and subtract the difference from the fourth result to obtain a second issuance amount; The first disbursement amount is compared with the second disbursement amount, and a smaller disbursement amount between the first disbursement amount and the second disbursement amount is determined as the disbursable amount. The payment disbursement method according to claim 1, wherein, upon receiving the consent indication from the approving party based on the evaluation result feedback, after disbursing the payment equal to the disbursable amount to the object to be evaluated, the method further comprises: Obtaining order data of each of a plurality of orders associated with the paid issuance amount from the e-commerce platform, and calculating the issuance handling fee based on each of the order data; Sending to the approver an amount equal to the sum of the paid issuance amount and the issuance handling fee. A payment disbursement device, comprising: The acquisition module is used to respond to the evaluation request of the disbursable amount and determine the evaluation request indicates The object to be evaluated is shown, and multiple orders that have occurred and are related to the object to be evaluated are obtained; A statistics module, used for counting the shipped amount and the uncollected amount of the multiple orders that have occurred according to the life cycle data of each of the multiple orders that have occurred; A generation module, used to calculate the disbursable amount based on the shipped amount and the uncollected amount, generate an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, and send the evaluation result to the approver; The issuing module is used to issue a payment equal to the issuable amount to the object to be evaluated when receiving an indication of consent from the approving party based on the feedback of the evaluation result. A computer device comprises a memory and a processor, wherein the memory stores a computer program, wherein when the processor executes the computer program, the following steps are implemented: In response to an evaluation request for a remittable amount, determining an object to be evaluated indicated by the evaluation request, and acquiring a plurality of orders that have occurred and are related to the object to be evaluated; According to the life cycle data of each of the multiple orders that have occurred, the amounts of goods shipped and the amounts of money not yet collected of the multiple orders that have occurred are counted; Calculating the disbursable amount based on the shipped amount and the uncollected amount, generating an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, and sending the evaluation result to the approver; When the approval indication based on the evaluation result feedback is received from the approval party, a sum equal to the disbursable amount is disbursed to the object to be evaluated. The computer device of claim 9, wherein the processor further implements the following steps: Before responding to the request for evaluating the disbursable amount, determining the object to be evaluated indicated by the evaluation request, and obtaining a plurality of orders that have occurred related to the object to be evaluated, the method further includes: Determine the platform store associated with the object to be evaluated, and obtain at least one order that has occurred in the platform store from the e-commerce platform at a preset time interval; For each of the at least one occurred order, determining the occurrence time point of the occurred order, and recording the state change of the occurred order from the occurrence time point; When it is detected that a transaction of an order has been completed, the state changes of the order from the time of occurrence to the current time point are sorted out to obtain the life cycle data of the order. The computer device of claim 10, wherein the processor further implements the following steps: Automatically obtaining the at least one order that has occurred in the platform store from the e-commerce platform at every preset time interval; or, Continuously detecting the status change of each of the at least one order in the platform store, and when the status of an order changes, obtaining the at least one order from the e-commerce platform; or, When it is detected that the subject to be evaluated requests to obtain an order, obtain the order from the e-commerce platform An order has occurred in at least one of the platform stores. The computer device of claim 10, wherein the processor further implements the following steps: The recording of the state change of the order that has occurred since the occurrence time point includes: When it is detected that the status of the order that has occurred is a creation status, marking the order that has occurred with a start mark; or, When it is detected that the status of the order that has occurred is a shipped status, marking the order that has occurred with a shipped flag; or, When it is detected that the status of the order that has occurred is a transaction completed status, the order that has occurred is marked with a transaction completed mark; or, When it is detected that the status of the order that has occurred is the payment-collected status, the order that has occurred is marked with a completed mark. The computer device of claim 12, wherein the processor further implements the following steps: The counting of the shipped amount and the uncollected amount of the multiple orders according to the life cycle data of each of the multiple orders includes: Determine the life cycle data of each of the orders that have occurred, obtain at least one first order that has occurred and carries the shipped identifier based on the life cycle data of each of the orders that have occurred, read the order amount in the life cycle data of each of the at least one first order that has occurred, and calculate the sum of the order amounts of the at least one first order that has occurred as the shipped amount; Based on the life cycle data of each of the at least one order that has occurred, obtaining at least one second order that has occurred and carrying the completed identifier from the at least one order that has occurred, and reading the amount of money that has been returned from the life cycle data of each of the at least one second order that has occurred, and calculating the sum of the amounts of money that have been returned of the at least one second order that has occurred as the total amount of money that has been returned; The difference between the amount of goods shipped and the total amount of payments received is calculated as the amount of payments not received. The computer device of claim 9, wherein the processor further implements the following steps: The calculation of the disbursable amount based on the shipped amount and the uncollected amount includes: Obtaining the release ratio, preset settlement ratio and service fee related to the object to be evaluated, as well as the return rate of the multiple orders that have occurred within a preset time, and the order release amount of at least one order among the multiple orders that has been paid and returned; Calculate the product of the shipped amount and the release ratio to obtain a first result, and subtract the first result from the order release amount to obtain a first release amount; Calculate the product of the uncollected amount and the preset settlement ratio to obtain a second result, calculate the product of the shipped amount and the return rate to obtain a third result, and calculate the shipped amount and the return rate to obtain a third result. The product of the shipment amount, the service fee and the payment ratio is obtained to obtain a fourth result, a difference between the second result and the third result is determined, and the difference is subtracted from the fourth result to obtain a second payment amount; The first disbursement amount is compared with the second disbursement amount, and a smaller disbursement amount between the first disbursement amount and the second disbursement amount is determined as the disbursable amount. The computer device of claim 9, wherein the processor further implements the following steps: When receiving the approval instruction from the approving party based on the evaluation result feedback, after disbursing the amount equal to the disbursable amount to the object to be evaluated, the method further includes: Obtaining order data of each of a plurality of orders associated with the paid issuance amount from the e-commerce platform, and calculating the issuance handling fee based on each of the order data; Sending to the approver an amount equal to the sum of the paid issuance amount and the issuance handling fee. A readable storage medium stores a computer program, wherein when the computer program is executed by a processor, the following steps are implemented: In response to an evaluation request for a remittable amount, determining an object to be evaluated indicated by the evaluation request, and acquiring a plurality of orders that have occurred related to the object to be evaluated; According to the life cycle data of each of the multiple orders that have occurred, the amounts of goods shipped and the amounts of money not yet collected of the multiple orders that have occurred are counted; Calculating the disbursable amount based on the shipped amount and the uncollected amount, generating an evaluation result carrying the disbursable amount and the object identifier of the object to be evaluated, and sending the evaluation result to the approver; When the approval indication based on the evaluation result feedback is received from the approval party, a sum equal to the disbursable amount is disbursed to the object to be evaluated. The readable storage medium according to claim 16, wherein the computer program further implements the following steps: Before responding to the request for evaluating the disbursable amount, determining the object to be evaluated indicated by the evaluation request, and obtaining a plurality of orders that have occurred related to the object to be evaluated, the method further includes: Determine the platform store associated with the object to be evaluated, and obtain at least one order that has occurred in the platform store from the e-commerce platform at a preset time interval; For each of the at least one occurred order, determining the occurrence time point of the occurred order, and recording the state change of the occurred order from the occurrence time point; When it is detected that a transaction of an order has been completed, the state changes of the order from the time of occurrence to the current time point are sorted out to obtain the life cycle data of the order. The readable storage medium according to claim 17, wherein the computer program further Implement the following steps: Automatically obtaining the at least one order that has occurred in the platform store from the e-commerce platform at every preset time interval; or, Continuously detecting the status change of each of the at least one order in the platform store, and when the status of an order changes, obtaining the at least one order from the e-commerce platform; or, When it is detected that the object to be evaluated requests to obtain an order, the at least one order that has occurred in the platform store is obtained from the e-commerce platform. The readable storage medium according to claim 17, wherein the computer program further implements the following steps: The recording of the state change of the order that has occurred since the occurrence time point includes: When it is detected that the status of the order that has occurred is a creation status, marking the order that has occurred with a start mark; or, When it is detected that the status of the order that has occurred is a shipped status, marking the order that has occurred with a shipped flag; or, When it is detected that the status of the order that has occurred is a transaction completed status, the order that has occurred is marked with a transaction completed mark; or, When it is detected that the status of the order that has occurred is the payment-collected status, the order that has occurred is marked with a completed mark. The readable storage medium according to claim 19, wherein the computer program further implements the following steps: The counting of the shipped amount and the uncollected amount of the multiple orders according to the life cycle data of each of the multiple orders includes: Determine the life cycle data of each of the orders that have occurred, obtain at least one first order that has occurred and carries the shipped identifier based on the life cycle data of each of the orders that have occurred, read the order amount in the life cycle data of each of the at least one first order that has occurred, and calculate the sum of the order amounts of the at least one first order that has occurred as the shipped amount; Based on the life cycle data of each of the at least one order that has occurred, obtaining at least one second order that has occurred and carrying the completed identifier from the at least one order that has occurred, and reading the amount of money that has been returned from the life cycle data of each of the at least one second order that has occurred, and calculating the sum of the amounts of money that have been returned of the at least one second order that has occurred as the total amount of money that has been returned; The difference between the amount of goods shipped and the total amount of payments received is calculated as the amount of payments not received.