CN113837733A - Capital advance payment protection operation method for online shopping - Google Patents
Capital advance payment protection operation method for online shopping Download PDFInfo
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- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
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Abstract
The invention discloses a capital advance payment protection operation method for online shopping, which comprises a buyer unit, a transaction platform and a seller unit, wherein a receiving confirmation page is arranged in the buyer unit, a delivery monitoring page is arranged in the seller unit, and a double-party information system and a confirmation information page are arranged in the transaction platform, the seller needs to record the goods before delivery, the state of the delivered goods is transmitted to the transaction platform and transmitted to the buyer end, the buyer records the goods in real time when receiving the goods and transmits the information to the transaction platform, the transaction platform compares the seller recorded information with the buyer receiving information, a manual and AI intelligent method is adopted for comparison, thereby providing guarantee for the buyer and the seller, effectively sending the funds temporarily stored to the fund end to the seller after the buyer receives the goods, and effectively guaranteeing the transaction of large-amount goods, and the method provides guarantee for both parties in the transaction process, and ensures the safety and the quick entry of funds.
Description
Technical Field
The invention relates to the related field of online shopping, in particular to a fund advance payment protection operation method for online shopping.
Background
The online shopping is to search commodity information through the internet, send a shopping request through an electronic purchase order, fill in a private check account number or a credit card number, and send a delivery by mail order by a manufacturer, or send the delivery to a home through an express company, and carry out online shopping in China, wherein the general payment mode is money to delivery (direct bank transfer, online remittance) and guarantee transaction is payment for goods and the like.
When the buyer and the seller carry out transaction, the buyer is required to pay funds to the transaction platform for temporary storage, the seller delivers the funds, and the platform pays the funds to the seller after the buyer confirms the receipt; however, in the process of goods transaction, the buyer receives the goods directly sent out by the order form, and the buyer can only obtain the transportation information of the goods; the buyer confirms the goods after unsealing when receiving the goods, if the goods have problems or the buyer refuses the goods intentionally, the fund of the seller cannot be guaranteed, the transaction platform has poor auxiliary effect on the goods transaction process, and the property of both parties has safety problems easily.
Disclosure of Invention
Therefore, in order to solve the above-mentioned disadvantages, the present invention provides a fund advance payment protection operation method for online shopping.
The invention is realized in such a way that a fund prepayment protection operation method for online shopping is constructed, the device comprises a buyer unit, a transaction platform and a seller unit, the buyer unit and the seller unit are in butt joint through the Internet, the transaction platform is in butt joint with the buyer unit and the seller unit respectively, a buyer client is arranged in the buyer unit, the transaction platform comprises a fund temporary storage end and a server, and a seller client is arranged in the seller unit.
Preferably, seven functional pages including a buyer information authentication page, a shopping page, a fund binding page, a fund transaction page, a credit authentication page, a receipt confirmation page and a complaint page are presented in the buyer client.
Preferably, the fund temporary storage end is internally provided with a buyer fund receiving system and a money making seller system.
Preferably, the server is internally provided with a two-party information system for receiving the buyer and the seller, a confirmation information page for the buyer and the seller goods and payment information, a goods monitoring system for sending the goods and a complaint processing system for goods problems.
Preferably, the seller client displays seven functional pages for the seller to operate, namely an information authentication page, a shop page, a collection binding page, a goods transaction page, a seller credit authentication page, a delivery monitoring page and a goods problem page.
Preferably, it comprises the following steps:
a) a buyer logs in a buyer client through mobile equipment or PC (personal computer) end equipment, and performs information authentication and personal credit authentication through a buyer information authentication page;
b) entering into a fund binding page to bind fund in a buyer client;
c) finding a proper goods through the shopping page, starting entering a fund transaction page to complete fund payment, namely completing order payment, and waiting for confirmation of a transaction platform and a seller;
d) a buyer fund receiving system arranged in the fund temporary storage end receives buyer fund and temporarily stores the buyer fund;
e) the confirmation information page in the server confirms the payment information of the buyer and the goods information and sends the payment information and the goods information to the seller unit;
f) a seller logs in a seller client through a mobile device or a PC terminal device, receives and confirms ordering goods information of a buyer in a goods transaction page, prepares for delivery, records the state of the goods before delivery in real time before delivery, sends the state to a goods monitoring system in a server for storage, sends the state to the buyer for confirmation, and delivers the goods by the seller after confirmation;
g) in the delivery process, a delivery monitoring page and a cargo monitoring system are used for monitoring the cargo transportation condition in real time;
h) when a buyer receives goods, recording unpacking information in real time to a goods receiving confirmation page, transmitting the information to a confirmation information system in a server, comparing the information of the goods before delivery provided by the seller with the information of the goods received by the buyer by the confirmation information system, and sending an instruction to a fund temporary storage end after the confirmation is correct;
i) the fund temporary storage end receives the instruction, and the fund temporarily stored in the buyer fund receiving system is deposited to the seller by the depositing seller system;
j) when a buyer has a problem in receiving goods and needs to refund or change goods, the buyer records the problem goods to a complaint page and then sends the problem goods to a confirmation information system for confirmation and comparison, at the moment, manual intervention and intelligent AI intervention are carried out, and when the problem goods are not compared, the buyer informs the seller to negotiate on the goods problem page;
k) after the processing is finished, the buyer refunds or returns the goods, and the seller confirms the goods in the goods problem page after receiving the goods;
l) after the confirmation is completed, the transaction is cancelled, and the buyer fund receiving system receives the server instruction and returns the fund to the buyer account.
Preferably, the buyer goods transaction process comprises the following steps:
s101: a buyer logs in a buyer client to select goods firstly;
s102: filling personal receiving information and confirming on a buyer information authentication page;
s103: making fund payment on a fund transaction page;
s104: a buyer fund receiving system in the server receives buyer fund;
s105: harvesting real-time recorded goods information and receiving a goods confirmation page;
s106: finally, whether the satisfaction is satisfied is confirmed, and if the satisfaction is satisfied, the server confirms the satisfaction;
s107: after confirmation, the transaction is completed;
s108: when the goods are received to be in a problem, the step S106 is repeated;
s109: submitting a goods problem to a complaint page;
s110: the goods information of both buyers and sellers is subjected to intervention processing in a complaint processing system in the server;
s111: after the processing is finished, the buyer returns the goods;
s112: after the seller receives the goods, the transaction is cancelled;
s113: the buyer fund receiving system in the fund temporary storage end returns the fund to the buyer.
Preferably, the seller goods transaction flow comprises the following steps:
s301: the seller receives the submission information of the buyer goods at the client;
s302: confirming the buyer information and the goods information;
s303: after confirmation, recording the goods information before delivery, and uploading the information to a goods monitoring system in service;
s304: sending out goods;
s305: waiting for the buyer to confirm the receipt;
s306: receiving the money made by the money making seller system in the fund temporary storage end after receiving the goods;
s307: the transaction is completed;
s308: in the process of receiving the goods by the buyer, proposing a complaint, and receiving the problem on a goods problem page by the seller;
s309: carrying out intervention processing on buyers and sellers and a platform;
s310: after the processing is finished, waiting for the buyer to return the goods;
s311: the seller receives the goods and the transaction is cancelled.
Preferably, the trading platform flow steps are as follows:
s201: receiving goods information provided by a buyer and a seller, and storing the goods information in a two-party information system;
s202: receiving buyer funds to a funds temporary storage end;
s203: confirming the goods information recorded before the seller delivers the goods;
s204: monitoring real-time information of the goods through a goods monitoring system;
s205: waiting for the buyer to receive the goods;
s206: after the goods monitoring system and the confirmation information page provide real-time information of goods for both parties, the system is started
The money making seller system makes money to a seller;
s207: the transaction is completed;
s208: the buyer has a problem after receiving the goods and submits the information to a complaint processing system;
s209: intervention treatment, which adopts manual and intelligent AI auxiliary treatment;
s210: finishing the treatment;
s211: canceling the transaction;
s212: refund to the buyer by the buyer funds receiving system.
Preferably, the steps of money collection and fluent money printing at the fund temporary storage end are as follows:
s21 a: storing and confirming the buyer information, the seller information and the goods information;
s21 b: after confirmation, receiving buyer funds;
s21 c: receiving a goods confirmation instruction of the server;
s21 d: confirming the information of both parties and the goods information again;
s21 e: and judging whether to fund the seller or the refund buyer according to the instruction of the server.
The invention has the following advantages: the invention provides a fund advance payment protection operation method for online shopping through improvement, which has the following improvement compared with the same type of equipment:
the invention relates to a capital pre-payment protection operation method for online shopping, which is characterized in that a receiving confirmation page is arranged in a buyer unit, a delivery monitoring page is arranged in a seller unit, and a two-party information system and a confirmation information page are arranged in a transaction platform, the seller needs to record the goods in real time before delivery, the state of the delivered goods is transmitted to the transaction platform and transmitted to a buyer end, the buyer records the goods in real time when receiving the goods, and the information is transmitted to a transaction platform, the transaction platform compares the seller recorded information with the buyer receiving information, and the manual and AI intelligent methods are adopted for comparison, so that guarantee is provided for both buyers and sellers, funds temporarily stored to a fund end are printed to the seller after effective buyer receiving, the transaction of large-amount goods is effectively guaranteed, guarantee is provided for both parties in the transaction process, and the safety and the quick posting of the funds are guaranteed.
Drawings
FIG. 1 is a schematic diagram of the buyer unit architecture of the present invention;
FIG. 2 is a schematic diagram of a transaction platform architecture of the present invention;
FIG. 3 is a schematic diagram of a seller unit structure according to the present invention;
FIG. 4 is a schematic flow diagram of a transaction of a purchaser's goods in accordance with the present invention;
FIG. 5 is a flow diagram of a seller goods transaction process of the present invention;
FIG. 6 is a schematic flow diagram of a transaction platform process of the present invention;
FIG. 7 is a schematic diagram of the money receiving and printing process of the fund temporary storage terminal of the present invention.
Wherein: buyer unit-1, transaction platform-2, seller unit-3, buyer client-11, buyer information authentication page-111, shopping page-112, fund binding page-113, fund transaction page-114, credit authentication page-115, receipt confirmation page-116, complaint page-117, fund escrow end-21, server-22, buyer fund receiving system-211, money making seller system-212, both information system-221, confirmation information page-222, goods monitoring system-223, complaint processing system-224, seller client-31, information authentication page-311, shop page-312, money binding page-313, goods transaction page-314, seller credit authentication page-315, buyer information authentication page-111, money making buyer, seller information processing system-21, and seller information processing system, A shipment monitoring page-316, a shipment problem page-317.
Detailed Description
The present invention will be described in detail below with reference to fig. 1 to 7, and the technical solutions in the embodiments of the present invention will be clearly and completely described, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, 2 and 3, the present invention provides a method for securing funds advance payment for online shopping by improving the method, including a buyer unit 1, a transaction platform 2 and a seller unit 3, wherein the buyer unit 1 and the seller unit 3 are both connected via internet, the transaction platform 2 is connected to the buyer unit 1 and the seller unit 3 respectively, the buyer unit 1 is provided with a buyer client 11 therein, the transaction platform 2 includes a funds buffer 21 and a server 22, and the seller unit 3 is provided with a seller client 31 therein.
Referring to fig. 1, the present invention provides a method for funds advance payment protection operation for online shopping by improving, wherein seven functional pages, namely, a buyer information authentication page 111, a shopping page 112, a funds binding page 113, a funds transaction page 114, a credit authentication page 115, a receipt confirmation page 116 and a complaint page 117, are presented in a buyer client 11.
Referring to fig. 2, the invention provides a fund prepayment protection operation method for online shopping by improving, a fund temporary storage end 21 is provided with a buyer fund receiving system 211 and a making-money seller system 212, a server 22 is provided with a buyer and seller information system 221 for receiving buyer and seller information, a buyer and seller goods and payment information confirmation information page 222, a goods monitoring system 223 for sending goods and a complaint processing system 224 for goods problem.
Referring to fig. 3, the seller client 31 displays seven functional pages for the seller to operate, namely, an information authentication page 311, a shop page 312, a collection binding page 313, a goods transaction page 314, a seller credit authentication page 315, a shipment monitoring page 316 and a goods problem page 317.
Referring to fig. 4, 5, 6 and 7, the present invention provides a method for operating fund prepaid protection for online shopping by improving:
a) a buyer logs in a buyer client terminal 11 through a mobile device or a PC terminal device, and performs information authentication and personal credit authentication through a buyer information authentication page 111 and a credit authentication page 115;
b) entering into the funds binding page 113 binding funds in the buyer client 11;
c) the payment of the fund is completed by finding the proper goods through the shopping page 112 and entering the fund transaction page 114, namely the order payment is completed and the confirmation of the transaction platform and the seller is waited;
d) a buyer fund receiving system 211 arranged in the fund temporary storage end 21 receives buyer fund and temporarily stores the buyer fund;
e) the confirmation information page 222 in the server 22 confirms the buyer payment information and the goods information, and sends the information to the seller unit 3;
f) the seller logs in the seller client terminal 31 through a mobile device or a PC terminal device, receives and confirms the information of the goods ordered by the buyer in the goods transaction page 314, prepares for delivery, passes through the goods before delivery, records the state of the goods before delivery in real time through the goods transaction page 314, sends the state to the goods monitoring system 223 in the server 22 for storage, sends the server 22 to the buyer terminal for confirmation, and delivers the goods by the seller after the confirmation is completed;
g) in the delivery process, the delivery monitoring page 316 and the delivery monitoring system 223 are used for monitoring the delivery condition of the goods in real time;
h) when the buyer receives the goods, the unpacking information is recorded in real time to the receiving confirmation page 116, the information is transmitted to the confirmation information system 222 in the server 22, the confirmation information system 222 compares the information of the goods before delivery provided by the seller with the information of the goods received by the buyer, and after confirming that the goods are correct, an instruction is sent to the fund temporary storage end 21;
i) the fund temporary storage end 21 receives the instruction, and the money deposited in the buyer fund receiving system 211 is deposited to the seller by the depositing seller system 212;
j) when the buyer has a problem in receiving the goods and needs to refund or change the goods, the buyer records the problem goods to the complaint page 117 and then sends the problem goods to the confirmation information system 222 for confirmation and comparison, at the moment, manual intervention and intelligent AI intervention are carried out, and if the problem goods are not compared, the seller is informed to negotiate on the goods problem page 317;
k) after the processing is completed, the buyer returns money or goods, and the seller receives the goods and then confirms the goods in the goods problem page 317;
l) upon completion of the confirmation, the transaction is cancelled and the buyer funds receipt system 211 receives server 22 instructions to return funds to the buyer's account.
Referring to fig. 4, the present invention provides a method for operating the online shopping fund advance payment protection by improving, wherein the steps of the transaction process of the buyer goods are as follows:
s101: the buyer logs in the buyer client 11 to select the goods;
s102: filling personal receiving information and confirming on a buyer information authentication page 111;
s103: fund transfers are made on the fund transaction page 114;
s104: the buyer funds receiving system 211 in the server 22 receives the buyer funds;
s105: the harvest real-time recorded goods information receives a confirmation page 116;
s106: finally, whether the satisfaction is satisfied is confirmed, and if the satisfaction is satisfied, the server 22 confirms the satisfaction;
s107: after confirmation, the transaction is completed;
s108: when the goods are received to be in a problem, the step S106 is repeated;
s109: submit a good issue to complaint page 117;
s110: the complaint processing system 224 in the server 22 performs intervention processing on the goods information of both buyers and sellers;
s111: after the processing is finished, the buyer returns the goods;
s112: after the seller receives the goods, the transaction is cancelled;
s113: the buyer's funds receiving system 211 in the funds escrow 21 returns funds to the buyer.
Referring to fig. 5, the present invention provides a method for operating fund prepaid protection for online shopping by improving, wherein the seller goods transaction process comprises the following steps:
s301: the seller receives the submission information of the buyer goods at the client;
s302: confirming the buyer information and the goods information;
s303: after confirmation, the cargo information is recorded before shipment and uploaded to the cargo monitoring system 223 in the service 22;
s304: sending out goods;
s305: waiting for the buyer to confirm the receipt;
s306: receiving the money made by the money making seller system 212 in the fund temporary storage end 21 after receiving the goods;
s307: the transaction is completed;
s308: during the buyer's receiving, a complaint is made that the seller receives a question on the goods questions page 317;
s309: carrying out intervention processing on buyers and sellers and a platform;
s310: after the processing is finished, waiting for the buyer to return the goods;
s311: the seller receives the goods and the transaction is cancelled.
Referring to FIG. 6, the present invention provides a fund prepayment protection operation for online shopping by improving
The method comprises the following steps of a transaction platform flow:
s201: receiving the information of the goods provided by the buyer and the seller, and storing the information in the two-party information system 221;
s202: receiving buyer funds into a funds temporary storage end 21;
s203: confirming the goods information recorded before the seller delivers the goods;
s204: monitoring real-time information of the cargo through the cargo monitoring system 223;
s205: waiting for the buyer to receive the goods;
s206: providing real-time information of goods for both parties through goods monitoring system 223 and confirmation information page 222
After that, the money is typed to the seller by the typing seller system 212;
s207: the transaction is completed;
s208: the buyer, having a problem after receiving the shipment, submits the information to the complaint processing system 224;
s209: intervention treatment, which adopts manual and intelligent AI auxiliary treatment;
s210: finishing the treatment;
s211: canceling the transaction;
s212: refund to the buyer by the buyer funds receipt system 211.
Referring to FIG. 7, the present invention provides a fund prepayment protection operation for online shopping by improving
The making method comprises the following steps of money collection and fluent money printing at the fund temporary storage end:
s21 a: storing and confirming the buyer information, the seller information and the goods information;
s21 b: after confirmation, receiving buyer funds;
s21 c: receiving a goods confirmation instruction from the server 22;
s21 d: confirming the information of both parties and the goods information again;
s21 e: the determination of whether to fund the seller or the refund buyer is based on server 22 instructions.
The invention provides a fund advance payment protection operation method for online shopping through improvement, such as
Firstly, a next buyer logs in a buyer client 11 through a mobile device or a PC end device, performs information authentication through a buyer information authentication page 111 and performs personal credit authentication through a credit authentication page 115, and enters a fund binding page 113 to bind fund in the buyer client 11;
secondly, the buyer funds receiving system 211 arranged in the funds temporary storage end 21 receives and temporarily stores the buyer funds, and the confirmation information page 222 in the server 22 confirms the buyer payment information and the goods information and sends the buyer payment information and the goods information to the seller unit 3;
thirdly, the seller logs in the seller client terminal 31 through the mobile device or the PC terminal device, receives and confirms the information of the goods ordered by the buyer in the goods transaction page 314, prepares for delivery, passes through the goods transaction page 314 before delivery, records the state of the goods before delivery in real time, sends the state to the goods monitoring system 223 in the server 22 for storage, the server 22 sends the goods to the buyer for confirmation, and the seller delivers the goods after confirmation is completed;
fourthly, in the delivery process, the delivery monitoring page 316 and the delivery monitoring system 223 are used for monitoring the delivery condition of the goods in real time;
fifthly, when the buyer receives the goods, the unpacking information is recorded in real time to the goods receiving confirmation page 116, the information is transmitted to the confirmation information system 222 in the server 22, the confirmation information system 222 compares the information of the goods before the seller provides the goods with the information of the goods received by the buyer, after confirming that the goods are correct, an instruction is sent to the fund temporary storage end 21, the fund temporary storage end 21 receives the instruction, and the fund temporarily stored in the fund receiving system 211 of the buyer is beaten to the seller by the money-making seller system 212;
sixthly, when the buyer has a problem in receiving the goods and needs to refund or change the goods, the buyer records the problem goods to the complaint page 117 and sends the problem goods to the confirmation information system 222 for confirmation and comparison, at the moment, manual intervention and intelligent AI intervention are carried out, if the problem goods are not compared, the seller is informed, the seller negotiates on the goods problem page 317, and after the completion of the processing, the buyer refunds or returns the goods, and after the seller receives the goods, the seller confirms the goods in the goods problem page 317;
seventh, after confirmation is complete, the transaction is cancelled and the buyer funds receiving system 211 receives server 22 instructions to return funds to the buyer's account.
The invention provides a capital pre-payment protection operation method for online shopping through improvement, a receiving confirmation page 116 is arranged in a buyer unit 1, a delivery monitoring page 316 is arranged in a seller unit 3, and a two-party information system 221 and a confirmation information page 222 are arranged in a transaction platform 2, a seller needs to record the goods in real time before delivery, the state of the delivered goods is transmitted to the transaction platform and transmitted to a buyer end, the buyer records the goods in real time when receiving the goods and transmits the information to the transaction platform 2, the transaction platform 2 compares the seller recorded information with the buyer receiving information, a manual and AI intelligent method is adopted for comparison, the guarantee is provided for the buyer and the seller, the effective buyer sends the funds temporarily stored to the fund end to the seller after receiving the goods, the effective guarantee is provided for the transaction of large-amount goods, and the guarantee is provided for the two parties in the transaction process, ensuring the safety and quick posting of funds.
The basic principles and main features of the present invention and the advantages of the present invention have been shown and described, and the standard parts used in the present invention are all available on the market, the special-shaped parts can be customized according to the description and the accompanying drawings, the specific connection mode of each part adopts the conventional means of bolt and rivet, welding and the like mature in the prior art, the machinery, parts and equipment adopt the conventional type in the prior art, and the circuit connection adopts the conventional connection mode in the prior art, and the details are not described herein.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A fund advance payment protection operation method for online shopping is characterized in that: the system comprises a buyer unit (1), a transaction platform (2) and a seller unit (3), wherein the buyer unit (1) and the seller unit (3) are in butt joint through the Internet, the transaction platform (2) is in butt joint with the buyer unit (1) and the seller unit (3) respectively, a buyer client (11) is arranged in the buyer unit (1), the transaction platform (2) comprises a fund temporary storage end (21) and a server (22), and a seller client (31) is arranged in the seller unit (3).
2. The method for fund advance payment protection operation for online shopping according to claim 1, wherein: seven functional pages including a buyer information authentication page (111), a shopping page (112), a fund binding page (113), a fund transaction page (114), a credit authentication page (115), a receipt confirmation page (116) and a complaint page (117) are presented in the buyer client (11).
3. The method for fund advance payment protection operation for online shopping according to claim 1, wherein: the fund temporary storage end (21) is internally provided with a buyer fund receiving system (211) and a money making seller system (212).
4. The method for fund advance payment protection operation for online shopping according to claim 1, wherein: the server (22) is internally provided with a double-party information system (221) for receiving the buyer and the seller, a confirmation information page (222) for receiving the goods of the buyer and the seller and payment information, a goods monitoring system (223) for sending the goods and a complaint processing system (224) for goods problems.
5. The method for fund advance payment protection operation for online shopping according to claim 1, wherein: seven functional pages for the seller to operate are presented in the seller client (31), namely an information authentication page (311), a shop page (312), a collection binding page (313), a goods transaction page (314), a seller credit authentication page (315), a delivery monitoring page (316) and a goods problem page (317).
6. The method for fund advance payment protection operation for online shopping according to claim 1, wherein: which comprises the following steps:
a) a buyer logs in a buyer client (11) through a mobile device or a PC end device and carries out information authentication through a buyer information authentication page (111) and personal credit authentication through a credit authentication page (115);
b) entering into a funds binding page (113) binding funds in the buyer client (11);
c) the method comprises the steps that proper goods are found through a shopping page (112), the goods enter a fund transaction page (114) to complete fund payment, namely order payment can be completed, and confirmation of a transaction platform and a seller is waited;
d) a buyer fund receiving system (211) arranged in the fund temporary storage end (21) receives buyer fund and temporarily stores the buyer fund;
e) a confirmation information page (222) in the server (22) confirms the buyer payment information and the goods information and sends the information to the seller unit (3);
f) the seller logs in a seller client (31) through a mobile device or a PC terminal device, receives and confirms ordering goods information of the buyer in a goods transaction page (314), prepares for delivery, passes through the goods transaction page before delivery, records the state of the goods before delivery in real time by the goods transaction page (314), sends the state to a goods monitoring system (223) in a server (22) for storage, the server (22) sends the goods to the buyer for confirmation, and the seller delivers the goods after confirmation is completed;
g) in the delivery process, a delivery monitoring page (316) and a cargo monitoring system (223) are used for monitoring the delivery condition of the cargo in real time;
h) when a buyer receives goods, the information of opening the box is recorded in real time to a goods receiving confirmation page (116), the information is transmitted to a confirmation information system (222) in a server (22), the confirmation information system (222) compares the information of the goods before delivery provided by the seller with the information of the goods received by the buyer, and after the confirmation is correct, an instruction is sent to a fund temporary storage end (21);
i) the fund temporary storage end (21) receives the instruction, and the money temporarily stored in the buyer fund receiving system (211) is deposited to the seller by the money depositing seller system (212);
j) when a buyer has a problem in receiving goods and needs to refund or change goods, the buyer records the problem goods to a complaint page (117) and then sends the problem goods to a confirmation information system (222) for confirmation and comparison, at the moment, manual intervention and intelligent AI intervention are carried out, and if the problem goods are not compared, the seller is informed, and the seller negotiates on a goods problem page (317);
k) after the processing is completed, the buyer refunds or returns the goods, and the seller confirms the goods in the goods problem page (317) after receiving the goods;
l) after the confirmation is completed, the transaction is cancelled, and the buyer's funds receiving system (211) receives the server (22) instructions to return funds to the buyer's account.
7. The method for fund advance payment protection operation for online shopping according to claim 6, wherein: the buyer goods transaction process comprises the following steps:
s101: a buyer logs in a buyer client (11) to select goods firstly;
s102: personal delivery information is filled in and confirmed on a buyer information authentication page (111);
s103: making a fund payment on a fund transaction page (114);
s104: a buyer funds receiving system (211) in the server (22) receiving buyer funds;
s105: harvesting real-time recorded goods information to a receiving confirmation page (116);
s106: finally, whether the satisfaction is satisfied is confirmed, and if the satisfaction is satisfied, the server (22) confirms the satisfaction;
s107: after confirmation, the transaction is completed;
s108: when the goods are received to be in a problem, the step S106 is repeated;
s109: submitting the goods issue to a complaint page (117);
s110: the goods information of both buyers and sellers is subjected to intervention processing in a complaint processing system (224) in the server (22);
s111: after the processing is finished, the buyer returns the goods;
s112: after the seller receives the goods, the transaction is cancelled;
s113: a buyer's funds receiving system (211) in the funds escrow (21) returns funds to the buyer.
8. The method for fund advance payment protection operation for online shopping according to claim 6, wherein: the seller goods transaction flow comprises the following steps:
s301: the seller receives the submission information of the buyer goods at the client;
s302: confirming the buyer information and the goods information;
s303: recording the goods information before delivery after confirmation, and uploading to a goods monitoring system (223) in the service (22);
s304: sending out goods;
s305: waiting for the buyer to confirm the receipt;
s306: after receiving the goods, receiving the money made by the money making seller system (212) in the fund temporary storage end (21);
s307: the transaction is completed;
s308: during the delivery process of the buyer, a complaint is made that the seller receives a question on a delivery question page (317);
s309: carrying out intervention processing on buyers and sellers and a platform;
s310: after the processing is finished, waiting for the buyer to return the goods;
s311: the seller receives the goods and the transaction is cancelled.
9. The method for fund advance payment protection operation for online shopping according to claim 6, wherein: the transaction platform flow comprises the following steps:
s201: receiving the information of the goods provided by the buyer and the seller, and storing the information in a two-party information system (221);
s202: receiving buyer funds into a funds temporary storage end (21);
s203: confirming the goods information recorded before the seller delivers the goods;
s204: monitoring real-time information of the cargo through a cargo monitoring system (223);
s205: waiting for the buyer to receive the goods;
s206: after real-time information of the goods is provided for the two parties through the goods monitoring system (223) and the confirmation information page (222), the money is made to the seller through the money making seller system (212)
S207: the transaction is completed;
s208: submitting the information to a complaint handling system (224) when there is a problem with the buyer after receiving the shipment;
s209: intervention treatment, which adopts manual and intelligent AI auxiliary treatment;
s210: finishing the treatment;
s211: canceling the transaction;
s212: refund to the buyer by the buyer's funds receiving system (211).
10. The method for fund advance payment protection operation for online shopping according to claim 1, wherein: the steps of money collection and fluent money printing at the fund temporary storage end are as follows:
s21 a: storing and confirming the buyer information, the seller information and the goods information;
s21 b: after confirmation, receiving buyer funds;
s21 c: receiving a goods confirmation instruction from the server (22);
s21 d: confirming the information of both parties and the goods information again;
s21 e: the seller is paid or the buyer is refunded according to the server (22) instructions.
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| CN202111129073.7A CN113837733A (en) | 2021-09-26 | 2021-09-26 | Capital advance payment protection operation method for online shopping |
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| CN101000675A (en) * | 2006-12-30 | 2007-07-18 | 上海实诺信息技术有限公司 | Electronic transaction method and transaction platform system |
| CN107492024A (en) * | 2017-09-13 | 2017-12-19 | 四川恒创博联科技有限责任公司 | A kind of sample transaction system and method |
| CN110544079A (en) * | 2019-09-09 | 2019-12-06 | 赵汕可 | Quality-payable online transaction system and method |
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