CN104318451A - Online transaction tracking method - Google Patents
Online transaction tracking method Download PDFInfo
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- CN104318451A CN104318451A CN201410649309.3A CN201410649309A CN104318451A CN 104318451 A CN104318451 A CN 104318451A CN 201410649309 A CN201410649309 A CN 201410649309A CN 104318451 A CN104318451 A CN 104318451A
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Abstract
The invention provides an online transaction tracking method. The method comprises the steps that whether a user terminal sends payment information or not is detected; if the payment information is detected, transaction order data are updated according to the payment information; according to the updated order data, corresponding item content in the protocol file associated with a transaction order is updated, and the user terminal is notified. By the adoption of the method, an order and a contract can be updated in time after the user repays a loan, and the user can be notified in time. Accordingly, the efficiency of online loan transactions is further improved.
Description
Technical field
The present invention relates to e-commerce field, particularly relate to a kind of online transaction tracking.
Background technology
Due in recent years, ecommerce becomes the main trend of internet economy development gradually, relies on the E-business applications of the infotecies such as internet, universal and development with surprising rapidity in worldwide at present.In fact, ecommerce becomes the more and more important ingredient of in entire society's economic activity one just gradually.Along with the universal of ecommerce and development, whether people can reappear traditional commercial activity on network is more and more paid close attention to, and such as, people, not only in shopping online, are are also borrowed or lent money by network.
For a large sum of money commodity on net purchase platform, such as the heating and ventilating equipment, electromechanical equipment etc. of factory, buyer, just can only payment in part because purchasing power is not enough or when only need meet lease demand, and remaining payment for goods is paid by loan form.Seller or net purchase platform are after buyer's lease terminates or when buyer provides a loan because of insolvency or buyer does not want to re-use these commodity, still the commodity of these durabilities are recoverable to, continue secondary to sell or lease, while giving full play to commodity value, therefrom earn profit again.In process of exchange, buyer and lender sign a formal contract by net purchase platform, by clear for the definition of the rights and duties of both sides, provide the way of solution to disputes simultaneously.
When buyer specifies each issue refund as agreed, need the related content upgraded in time in order and contract, such as payment, treat refund total value etc., but current network loan contract or employing are faxed, the mode of express delivery contract is signed, or website generates electronics loan contract according to transaction data, click agreement by buyer namely to represent buyer and approve and sign this loan contract, the relevant item in contract can not upgrade in time on transaction platform according to the repaying situation of buyer.
Summary of the invention
The shortcoming of prior art in view of the above, the object of the present invention is to provide a kind of online transaction tracking, can not carry out the problem that upgrades for solving network trading contract in prior art according to the refund situation of user.
For achieving the above object and other relevant objects, the invention provides a kind of online transaction tracking, said method comprising the steps of:
Detect user terminal and whether send payment information;
If described payment information detected, then upgrade trading order form data according to described payment information;
According to the order data after described renewal, upgrade the contents of a project corresponding to the document of agreement that described trading order form is associated and informing user terminal.
Preferably, the payment information of user terminal is received by the mode on line or under line.
Preferably, describedly upgrade trading order form data according to described payment information and comprise further:
Described payment information and the payment information being stored in server are merged;
And according to the payment information after merging, upgrade trading order form data.
Preferably, described document of agreement comprises contract number, parties of contract litigant information, subject matter of a contract, contract value, duration of the contract and treaty content.
Preferably, described document of agreement is extensible markup language document.
Preferably, described informing user terminal comprises further at least one in the lastest imformation of the information of Transaction Success, order data lastest imformation and described document of agreement is sent to described user terminal.
As mentioned above, online transaction tracking of the present invention, has following beneficial effect:
First, the present invention is directed to user when regularly refunding in network loan relation, by first receiving payment information, upgrading trading order form data according to payment information, again according to the contents of a project be associated with payment information in the trading order form Data Update trade contract after renewal, and informing user terminal.Thus, transaction system can more new order and contract in time after user refunds, and notifies user in time, and this improves the efficiency of network loan transaction further.
Secondly, whether sending payment information by detection user terminal can process the refund of user in real time, further enhances the real-time of order and contract renewal.
Accompanying drawing explanation
Fig. 1 is shown as the schematic flow sheet of online transaction tracking of the present invention.
Fig. 2 is shown as the schematic diagram of online transaction tracker of the present invention.
Embodiment
Below by way of specific instantiation, embodiments of the present invention are described, those skilled in the art the content disclosed by this instructions can understand other advantages of the present invention and effect easily.The present invention can also be implemented or be applied by embodiments different in addition, and the every details in this instructions also can based on different viewpoints and application, carries out various modification or change not deviating under spirit of the present invention.
The present invention can be used in numerous general or special purpose computing system environment or configuration.Such as: personal computer, server computer, handheld device or portable set, laptop device, multicomputer system, the distributed computing environment comprising above any system or equipment etc.
The present invention can describe in the general context of computer executable instructions, such as program module.Usually, program module comprises the routine, program, object, assembly, data structure etc. that perform particular task or realize particular abstract data type.Also the present invention can be put into practice in a distributed computing environment.In these distributed computing environment, executed the task by the remote processing devices be connected by communication network.In a distributed computing environment, program module can be arranged in the local and remote computer-readable storage medium comprising memory device.
It should be noted that, the lender alleged by the present invention can be transaction platform, seller, also can be bank.User terminal comprises the terminal devices such as computer, flat board, mobile phone, portable set.File refers to user and the Loan Agreement signed by transaction platform and lender or contract.
The preferred embodiments of the present invention are described in detail below with reference to accompanying drawing.Refer to Fig. 1, show the schematic flow sheet of a kind of online transaction tracking of the present invention, described method can comprise the following steps:
Step S1: detect user terminal and whether send payment information.
It should be noted that, also comprised before step S1: generate online order according to web transaction data, wherein, described order comprises described payment information.Payment platform carries out authentication to described payment information, if certification is passed through, then notifies customer transaction success.Authentication is the common technology confirming user identity in computer network field, those of ordinary skill in the art should understand, any suitable authentication algorithm may be used to the present invention, such as password (comprising dynamic password), password, biological characteristic (fingerprint, sound, signature, iris etc.) etc.After certification, transaction platform generates online order.Described order contents comprises the information such as payment, trade name, goods number, delivery, buyer ID, seller ID, and described payment information at least comprises payment.
Except order, user also signs Loan Agreement by transaction platform and lender, and this agreement can present with the form of contract.Store multiple contract template in the database of transaction platform, transaction platform according to the type of merchandise of user's purchase or refund form or can extract corresponding contract template to the evaluation etc. of user.When user's fund corresponding according to loan agreement payment in due course, trading platform system receives the fund paid, the identity of third party's (payment platform) authentication of users is transferred to by transaction platform or transaction platform, verification method can adopt the common technology of this area, such as password (comprising dynamic password), password, biological characteristic (fingerprint, sound, signature, iris etc.) etc.If be verified, then fund prepaid before the fund of described payment and user is carried out joint account, amalgamation result is stored in database by transaction platform.If checking is not passed through, then return information to user terminal.Described information comprises error message and information warning, the information etc. of the information that such as user identity and payment account information are inconsistent or reminding user payment deficiency.
Also it should be noted that, received the payment information of user terminal by the mode on line or under line.User can be paid by transaction platform or payment platform, as paid by the mode such as Net silver or Alipay, also can arrive bank counter or ATM pays, or give lender (lender belongs to non-banking system) face to face.
It should be noted that, transaction platform or payment platform arrange detection module, and when receiving payment information by the mode on line, described detection module detects user terminal and whether sends payment information.Described payment information sends with the form of packet.Testing mechanism can adopt the common method of this area, such as hook mechanism.The delivery operation of user is defined as event, and hook, for monitoring whether this event occurs, if occur, then performs subsequent step, if do not occur, then continues to monitor.When receiving payment information by the mode under line, advice of collection, after receiving payment information, is sent to transaction platform or payment platform by lender, after described detection module detects this notice, performs subsequent step.
Step S2: if described payment information detected, then upgrade trading order form data according to described payment information.
It should be noted that, the account of user is associated with trading order form, after payment information being detected according to step S1, the user account corresponding to this payment information is determined according to described payment information, and upgrade corresponding information in trading order form according to user account, as the refund amount of money, treat the refund amount of money, credit index etc.
Also it should be noted that, upgrade trading order form data according to described payment information and comprise further:
Described payment information and the payment information being stored in server are merged;
And according to the payment information after merging, upgrade trading order form data.
It should be noted that, the described payment information being stored in server is the refund amount of money by each for user and the result of payment joint account first, after receiving described payment information, then fund prepaid before the fund of described payment and user is carried out joint account, transaction platform upgrades described order according to amalgamation result.In an embodiment of the present invention, when amalgamation result equal user need pay total value time, then no longer detect, to reduce taking of system resource.
Step S3: according to the order data after described renewal, upgrades the contents of a project corresponding to the document of agreement that described trading order form is associated and informing user terminal.
It should be noted that, described document of agreement is the contract that user and lender and/or seller sign, and described seller can be transaction platform or other commodity providers.Account or the described order of described document of agreement and described user are associated, and when the account of user or sequence information upgrade, the respective item content in contract also upgrades thereupon automatically.The litigant etc. that the described contents of a project comprise the down payment amount of money, each issue the refund amount of money, the length of maturity, loan interest, transaction relate to.Described document of agreement is extensible markup language document, and can edit and change.
Described document of agreement comprises contract number, parties of contract litigant information, subject matter of a contract, contract value, duration of the contract and treaty content.Described contract number refers to the numbering of contract, for a contract and other contracts being distinguished.Described parties of contract litigant can be user and transaction platform, and also can be user and bank or other lender, also can be user, transaction platform two side litigant and bank or other lender.Described treaty content can comprise the type of transaction, loan ceiling, each issue amount to pay, default clause etc.
It should be noted that, described file, except comprising the provision content included by contract template, also comprises the Additional Terms that user and lender are reached in addition.Described file can by user by filling on the interface of user terminal displays, and interface content comprises the project that needs included in contract template are filled in, and also comprises Additional Terms project.
It should be noted that, described informing user terminal comprises further at least one in the lastest imformation of the information of Transaction Success, order data lastest imformation and described document of agreement is sent to described user terminal.Particularly, can in the following manner in one or more informing user terminals: after transaction platform or payment platform receive payment information and be verified, the notice of Transaction Success is sent to user terminal; After order data upgrades, the notice upgraded by order is sent to user terminal; After document of agreement upgrades, the notice upgraded by document of agreement is sent to user terminal.Described notice can arrive user terminal by note or other forms.User upon receipt of a notification, can inquire about corresponding lastest imformation, if lastest imformation is wrong, also can feed back to when transaction platform or payment platform, be undertaken checking and revising by transaction platform or payment platform.
In an embodiment of the present invention, after document of agreement upgrades, the document of agreement after described renewal is stored in server and is used for subsequent query and other operations.In an alternative embodiment of the invention, described contract specification is backed up.
Refer to Fig. 2, show the schematic diagram of a kind of online transaction tracker of the present invention, described system A200 comprises:
Whether A201 detection module, send payment information for detecting user terminal;
A202 order update module, for when described payment information being detected, upgrades trading order form data according to described payment information;
A203 document of agreement update module, for according to the order data after described renewal, upgrades the contents of a project corresponding to the document of agreement that described trading order form is associated and informing user terminal.
Preferably, also comprise:
Receiver module on A204 line, for receiving the payment information of user by the mode on line;
Receiver module under A205 line, for receiving the payment information of user by the mode under line
Preferably, described order update module A202 comprises further:
Merge cells A2021, for merging described payment information and the payment information being stored in server;
And updating block A2022, for according to the payment information after merging, upgrade trading order form data.
Preferably, described document of agreement comprises contract number, parties of contract litigant information, subject matter of a contract, contract value, duration of the contract and treaty content.
Preferably, described document of agreement is extensible markup language document.
Preferably, described document of agreement update module A203 comprises transmitting element A2031 further, at least one in the lastest imformation of the information of Transaction Success, order data lastest imformation and described document of agreement is sent to described user terminal.
It should be noted that, the explanation of system embodiment please refer to embodiment of the method, does not repeat them here.
In sum, online transaction tracking of the present invention, has following beneficial effect:
First, the present invention is directed to user when regularly refunding in network loan relation, by first receiving payment information, upgrading trading order form data according to payment information, again according to the contents of a project be associated with payment information in the trading order form Data Update trade contract after renewal, and informing user terminal.Thus, transaction system can more new order and contract in time after user refunds, and notifies user in time, and this improves the efficiency of network loan transaction further.
Secondly, whether sending payment information by detection user terminal can process the refund of user in real time, further enhances the real-time of order and contract renewal.
So the present invention effectively overcomes various shortcoming of the prior art and tool high industrial utilization.
Above-described embodiment is illustrative principle of the present invention and effect thereof only, but not for limiting the present invention.Any person skilled in the art scholar all without prejudice under spirit of the present invention and category, can modify above-described embodiment or changes.Therefore, such as have in art usually know the knowledgeable do not depart from complete under disclosed spirit and technological thought all equivalence modify or change, must be contained by claim of the present invention.
Claims (12)
1. an online transaction tracking, is characterized in that, described method comprises:
Detect user terminal and whether send payment information;
If described payment information detected, then upgrade trading order form data according to described payment information;
According to the order data after described renewal, upgrade the contents of a project corresponding to the document of agreement that described trading order form is associated and informing user terminal.
2. online transaction tracking according to claim 1, be is characterized in that: the payment information being received user terminal by the mode on line or under line.
3. online transaction tracking according to claim 1, is characterized in that, describedly upgrades trading order form data according to described payment information and comprises further:
Described payment information and the payment information being stored in server are merged;
And according to the payment information after merging, upgrade trading order form data.
4. online transaction tracking according to claim 1, is characterized in that: described document of agreement comprises contract number, parties of contract litigant information, subject matter of a contract, contract value, duration of the contract and treaty content.
5. online transaction tracking according to claim 1, is characterized in that: described document of agreement is extensible markup language document.
6. online transaction tracking according to claim 1, is characterized in that: described informing user terminal comprises further at least one in the lastest imformation of the information of Transaction Success, order data lastest imformation and described document of agreement is sent to described user terminal.
7. an online transaction tracker, is characterized in that, described system comprises:
Whether detection module, send payment information for detecting user terminal;
Order update module, for when described payment information being detected, upgrades trading order form data according to described payment information;
Document of agreement update module, for according to the order data after described renewal, upgrades the contents of a project corresponding to the document of agreement that described trading order form is associated and informing user terminal.
8. online transaction tracking according to claim 1, is characterized in that, also comprise:
Receiver module on line, for receiving the payment information of user by the mode on line;
Receiver module under line, for receiving the payment information of user by the mode under line.
9. online transaction tracking according to claim 1, is characterized in that, described order update module comprises further:
Merge cells, for merging described payment information and the payment information being stored in server;
And updating block, for according to the payment information after merging, upgrade trading order form data.
10. online transaction tracking according to claim 1, is characterized in that: described document of agreement comprises contract number, parties of contract litigant information, subject matter of a contract, contract value, duration of the contract and treaty content.
11. online transaction trackings according to claim 1, is characterized in that: described document of agreement is extensible markup language document.
12. online transaction trackings according to claim 1, it is characterized in that: described document of agreement update module comprises transmitting element further, at least one in the lastest imformation of the information of Transaction Success, order data lastest imformation and described document of agreement is sent to described user terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410649309.3A CN104318451A (en) | 2014-11-15 | 2014-11-15 | Online transaction tracking method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410649309.3A CN104318451A (en) | 2014-11-15 | 2014-11-15 | Online transaction tracking method |
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| CN104318451A true CN104318451A (en) | 2015-01-28 |
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| CN201410649309.3A Pending CN104318451A (en) | 2014-11-15 | 2014-11-15 | Online transaction tracking method |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106886887A (en) * | 2015-12-15 | 2017-06-23 | 阿里巴巴集团控股有限公司 | Application data interaction control method and device between a kind of account |
| CN109816342A (en) * | 2019-01-04 | 2019-05-28 | 平安科技（深圳）有限公司 | Management method, device, terminal and the computer readable storage medium of contract |
-
2014
- 2014-11-15 CN CN201410649309.3A patent/CN104318451A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106886887A (en) * | 2015-12-15 | 2017-06-23 | 阿里巴巴集团控股有限公司 | Application data interaction control method and device between a kind of account |
| CN109816342A (en) * | 2019-01-04 | 2019-05-28 | 平安科技（深圳）有限公司 | Management method, device, terminal and the computer readable storage medium of contract |
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Application publication date: 20150128 |