For C-end city distribution, timely delivery of personal small pieces, etc. , mainly concentrated in the last 100 meter logistics, and the main transport force is mostly riders; On the other hand, B-end urban distribution is a planned urban distribution logistics for production enterprises. There are three main scenarios: warehouse to warehouse, warehouse to store and warehouse to home. The main transport forces are mostly vans and container trucks. The fund settlement and account sharing of B-end distribution platform in the same city are more complicated. Because it involves platform, logistics, warehousing and other multi-party account sharing, in this business scenario, the MallBook payment and settlement system starts from the transaction, which simplifies the settlement and account sharing problems.
The payment and settlement system can be accessed with one key through API interface, and can be quickly connected with the business system of the same city distribution platform to realize data docking. First of all, the payment clearing and settlement system aggregates diversified payment channels, including B2B large payment, gateway payment and fast payment. The platform can not only supervise the whole process of real-time fund collection, but also realize efficient settlement and account allocation. Just configure the multi-party accounting rules such as platform, logistics and warehousing in the background of the system, and the system can start the automatic accounting of the whole process. After the transaction order is generated, the funds of the order will be automatically settled into the electronic account book of each account. After receiving the goods, users can automatically or manually withdraw funds, and an order can be divided into multiple times.
On the other hand, through the payment clearing and settlement system, it can be ensured that the distribution platform in the same city will not touch the clearing and settlement risk when distributing accounts in capital settlement. Because the system is set up on the cloud server of the bank, the transaction funds are deposited in the supervisor of the central bank without going through the platform account, effectively avoiding the risk of unlicensed liquidation of the platform. And the system can provide customized electronic receipts for B-end enterprises, and effectively realize the integration of information flow, capital flow and bill flow. At the same time, the system can provide a visual data kanban for trading orders, clearly display order data and financial data, make financial reconciliation more convenient and efficient, and let the platform know the current business situation in real time, providing strong data support for the platform's operation decision.
Nowadays, "internet plus" technology has transformed the traditional freight industry, shortened and simplified the transaction chain by using digital technology, and made the whole city distribution business chain transparent and compliant. But for the B-end city distribution platform, the transaction link is still the main business pain point at present. With the help of payment and settlement system, the platform will be transformed into digital transactions, and according to the efficient settlement and account sharing efficiency, the viscosity of partners and customers will be improved, information sharing and interconnection will be realized, and the core of the platform itself will be built.