Unified account processing system supporting multiple types of payment channels

The present invention provides a unified account processing system supporting multiple types of payment channels. The system comprises a clearing subsystem, a settlement subsystem, a service management subsystem, a transaction bill database and a statement database. The clearing subsystem mainly com...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: LIU HAIYI, XIAO BAOTONG, LIU KAI
Format: Patent
Sprache:chi ; eng
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Beschreibung
Zusammenfassung:The present invention provides a unified account processing system supporting multiple types of payment channels. The system comprises a clearing subsystem, a settlement subsystem, a service management subsystem, a transaction bill database and a statement database. The clearing subsystem mainly completes accounting clearing, generates a transaction bill according to a clearing result, and separately stores the bill into a corresponding sub-database of the transaction bill database according to a correspondence between a merchant and a payment service platform; the settlement subsystem acquires a statement of each merchant from each payment service platform according to a predetermined time, stores the statements into the statement database, extracts all transaction records of a merchant in a certain payment service platform to perform a reconciliation with a statement, and generates a bill of settlement and sends the bill of settlement to each payment service platform to complete a fund transfer; and the ser