如何自动将电子付款从一个银行账户支付到 20,000 个其他银行账户？
我正在帮助一家初创企业启动，并将为其网站构建或寻找购物车软件。只会销售一种产品，但每当有人购买产品时，我都必须使用客户信息（例如他们的邮政编码以及他们从哪个经销商处购买）来计算将支付给不同经销商的佣金。所有收到的资金将被发送到一种托管账户几周，几周后，我需要能够“切换开关”，让 20,000 名分销商中的每一位都获得他们应有的份额该托管帐户，具体取决于存储的反映其销售活动和应付佣金的数据。这是我可以编写脚本来处理的事情吗？更好的是，这是一个廉价或开源解决方案可以处理的东西，还是可以在 Paypal 等中设置的东西？或者是否有更好的方法以某种方式创建一个网页，每个分销商都可以登录并查看其到期佣金并自行启动帐户转账，但网络应用程序限制他们转账超出应有的金额？
谢谢
I am helping a startup business to launch and I will be building or finding a shopping cart software for its website. There will only be one product for sale, but anytime someone buys a product, I have to use customer information like their zipcode and which distributor they bought from to calculate commissions that will go to the different distributors. All the incoming money will be sent to one sort of escrow account for a few weeks, and after that few weeks is over, I need to be able to "throw the switch" and cause each of the 20,000 distributors to get their rightful share of that escrow account, depending on the data stored that reflects their sales activity and commissions due. Is this something I can write a script to handle? Better yet, is this something an inexpensive or open source solution can handle, or something that can be setup in something like Paypal? Or is a better approach to somehow create a webpage where each distributor can login to and see their commissions due and initiate the account transfer on their own, but the web app restrict them from transferring more than what they're due?
Thanks
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佣金是一个敏感而复杂的问题。我不会这样看，因为我担心它太简单了。
我将其构建到解决方案中，以便分布可以保存在数据库中。您需要拥有出色的审核和跟踪设施，以防出现导致分销商起诉您的问题。
您需要完善并测试舍入规则。
我设置了一个 cron 作业或计划任务来读取数据库并执行帐户存款。我假设您要加密所有这些敏感数据。
我想看看 Eric Evans 的“领域驱动设计”。他有一章很好地讲述了如何划分金融馅饼，就像这一章。
Commissions are a sensitive and complex problem. I wouldn't view it in this way, because I'd be worried about it being too simplistic.
I'd build it into the solution so the distributions can be persisted in a database. You'll want to have excellent auditing and tracking facilities, in case there are problems that cause a distributor to sue you.
You'll want to have the rounding rules well established and tested.
I'd set up a cron job or scheduled task that could read the database and perform the account deposits. I assume you're going to encrypt all this sensitive data.
I'd have a look at Eric Evans' "Domain Driven Design". He's got a nice chapter on dividing financial pies like this one.
根据您的文章，如果目的是使这些传输完全自动化，那么脚本听起来是个好主意。经销商登录网页发起转账有什么好处吗？除非他们会在网站上做其他事情，否则您最好采用自动化解决方案，至少对于该服务的第一个版本来说是这样。
Based upon your writeup, a script sounds like a great idea if the intention is that these transfers should be fully-automated. Is there any benefit for a distributor to login to a webpage to initiate a transfer? Unless there is something else they would be doing on the site, you are probably better off just going with an automated solution, at least for the first version of this service.
我最终决定通过当地银行的直接存款来设置这些大规模交易。从长远来看，它的成本将比 Paypal 的大规模交易低得多。 （对于大额交易，每笔交易 0.15 美元的费用比每笔交易 2% 的费用要好得多）
I ended up deciding to go with Direct Deposit with a local bank to set these mass transactions up. It will cost way less than going with Paypal's mass transactions in the longrun. (0.15$ fee per transaction is much better than 2% fee per transaction for the big transactions)