CN104899777A - Transaction processing method and device - Google Patents
Transaction processing method and device Download PDFInfo
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- CN104899777A CN104899777A CN201510340752.7A CN201510340752A CN104899777A CN 104899777 A CN104899777 A CN 104899777A CN 201510340752 A CN201510340752 A CN 201510340752A CN 104899777 A CN104899777 A CN 104899777A
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Abstract
An embodiment of the invention discloses a transaction processing method, including: receiving product information sent from a first party; determining a first acquired resource and a second acquired resource according to the product information; receiving an acquisition request sent from a second party of acquiring a product corresponding to the product information; according to the acquisition request, prompting the first acquired resource and the second acquired resource; receiving a first resource sent from the second party and directing at the first acquired resource; receiving a second resource sent from a third party and directing at the second acquired resource; providing the product according to the first resource and the second resource, so as to enable the second party to obtain the product; receiving a return request for the product, the return request for the product being sent from the second party; and providing the second resource according to the return request, so as to enable the third party to obtain the second resource. The transaction processing method provided by the embodiment of the invention coordinates resources of multiple related parties to jointly complete interaction, thereby improving the utilization rate of interaction resources.
Description
Technical field
The embodiment of the present application relates to Internet technical field, particularly relates to a kind of transaction methods and device.
Background technology
Along with the development of computer technology and Internet technology, carry out issued transaction by network more and more general.
In the prior art, when carrying out network interaction, two sides carry out Resource Exchange often.But in mutual both sides, having one can because inadequate resource, and finally cause wholely cannot completing alternately.Meanwhile, in reality, a lot of related side, may have enough resources.
Realizing in the application's process, inventor finds that in prior art, at least there are the following problems:
How to improve the utilization factor of mutual resource.
Summary of the invention
The embodiment of the present application provides a kind of transaction methods and device, for improving the utilization factor of mutual resource.
For solving the problems of the technologies described above, the embodiment of the present application provides:
A kind of transaction methods, comprising:
Receive the product information sent from first party;
According to described product information, determine the first Gains resources and the second Gains resources;
Receive the acquisition request sending and correspond to the product of described product information from the acquisition of second party;
For described acquisition request, point out described first Gains resources and described second Gains resources;
Receive the first resource for the first Gains resources sent from second party;
Receive and send from the third-party Secondary resource for the second Gains resources;
According to described first resource and described Secondary resource, provide described product, obtain described product to make second party;
Receive the return request for described product sent from second party;
According to described return request, described Secondary resource is provided, obtains described Secondary resource to make third party.
Further, described product information comprises product category, Target Acquisition resource; Describedly determine the first Gains resources and the second Gains resources, specifically comprise:
According to described product category, Target Acquisition resource in conjunction with preset rules, determine described first Gains resources and described second Gains resources.
Further, send before the third-party Secondary resource for the second Gains resources in reception, described method also comprises:
According to described second party and described third-party mandate relation, verify whether described third party has enough resources for the second Gains resources;
Corresponding, described reception sends from the third-party Secondary resource for the second Gains resources; Specifically comprise:
If the result is yes, then receives and send from the third-party Secondary resource for the second Gains resources.
Further, receive send from second party for the return request of described product after, described method also comprises:
Verify whether described product meets return condition;
Accordingly, described in described Secondary resource is provided, specifically comprise:
If the result is yes, then provide described Secondary resource.
Further, after whether the described product of checking meets return condition, described method also comprises:
If the result is no, then receive the supplemental resources sent from second party, described supplemental resources is determined according to pre-conditioned.
A kind of transacter, comprising:
First receiver module, for receiving the product information sent from first party;
First determination module, for according to described product information, determines the first Gains resources and the second Gains resources;
Second receiver module, for receiving the acquisition request sending and correspond to the product of described product information from the acquisition of second party;
First reminding module, for for described acquisition request, points out described first Gains resources and described second Gains resources;
3rd receiver module, for receiving the first resource for the first Gains resources sent from second party; And receive transmission from the third-party Secondary resource for the second Gains resources;
Product provides module, for according to described first resource and described Secondary resource, provides described product, obtains described product to make second party;
4th receiver module, for receiving the return request for described product sent from second party;
Return module, for according to described return request, described Secondary resource is provided, obtains described Secondary resource to make third party.
Further, described product information comprises product category, Target Acquisition resource; Described first determination module specifically for, according to described product category, Target Acquisition resource in conjunction with preset rules, determine described first Gains resources and described second Gains resources.
Further, described device also comprises:
First authentication module, for sending before the third-party Secondary resource for the second Gains resources in reception, according to described second party and described third-party mandate relation, verifies whether described third party has enough resources for the second Gains resources;
Described 3rd receiver module specifically for, if the result is yes, then receive send from the third-party Secondary resource for the second Gains resources.
Further, described device also comprises:
Second authentication module, for receive send from second party for the return request of described product after, verify whether described product meets return condition;
Described return module specifically for, if the result is yes, then provide described Secondary resource.
Further, described device also comprises,
5th receiver module, for after whether the described product of checking meets return condition, if the result is no, then receive the supplemental resources sent from second party, described supplemental resources is determined according to pre-conditioned.
Compared with prior art, the embodiment of the present application has following beneficial effect: the embodiment of the present application, by coordinating relevant resource in many ways, completes mutual, to improve the utilization factor of mutual resource jointly.
Accompanying drawing explanation
Accompanying drawing described herein is used to provide the further understanding to the embodiment of the present application, form the part of the embodiment of the present application, the schematic application embodiment of the embodiment of the present application and explanation thereof, for explaining the embodiment of the present application, do not form the improper restriction to the embodiment of the present application.In the accompanying drawings:
Fig. 1 is the schematic flow sheet of the transaction methods that the application one embodiment provides;
Fig. 2 is the structural representation of the transacter that the application one embodiment provides;
Fig. 3 is the schematic flow sheet of the transaction methods that provides of the application one embodiment in conjunction with concrete scene.
Embodiment
For making the object of the embodiment of the present application, technical scheme and advantage clearly, specifically apply for that embodiment and corresponding accompanying drawing are clearly and completely described the embodiment of the present application technical scheme below in conjunction with the embodiment of the present application.Obviously, described application embodiment is only the embodiment of the present application part application embodiment, instead of whole application embodiments.Based on the application embodiment in the embodiment of the present application, those of ordinary skill in the art are not making the every other application embodiment obtained under creative work prerequisite, all belong to the scope of the embodiment of the present application protection.
Fig. 1 is the schematic flow sheet of the transaction methods that the application one embodiment provides.
Described transaction methods specifically can comprise the following steps:
S101: receive the product information sent from first party.
In the present embodiment, executive agent can be transacter.Described transacter can correspond to processing server.In order to ensure normally carrying out of network interaction, described transacter receives the product information sent from first party, and product information is announced further, so that second party obtains.Described product information can include but not limited to: product category, Target Acquisition resource, the first Gains resources, the second Gains resources etc.
S102: according to described product information, determines the first Gains resources and the second Gains resources.
In a kind of embodiment, described transacter identification product information, described product information comprises the first Gains resources and the second Gains resources, namely determines the first Gains resources and the second Gains resources.
In another kind of embodiment, described transacter identification product information, described product information comprises Target Acquisition resource, and described transacter in conjunction with preset rules, determines described first Gains resources and described second Gains resources according to Target Acquisition resource.In a kind of specific embodiment, preset rules refers to table one.
Table one
| First Gains resources | Second Gains resources |
| Target Acquisition resource * 10% | Target resource * 90% |
In another kind of embodiment, described transacter identification product information, described product information comprises product category, Target Acquisition resource, and described transacter in conjunction with preset rules, determines described first Gains resources and described second Gains resources according to product category, Target Acquisition resource.In a kind of specific embodiment, preset rules refers to table two.
Table two
| Product category | First Gains resources | Second Gains resources |
| First product category | Target Acquisition resource * 10% | Target resource * 90% |
| Second product category | Target Acquisition resource * 20% | Target resource * 80% |
| Second product category | Target Acquisition resource * 30% | Target resource * 70% |
S103: receive the acquisition request sending and correspond to the product of described product information from the acquisition of second party.
Described transacter receives the acquisition request sending and correspond to the product of described product information from the acquisition of second party.
S104: for described acquisition request, point out described first Gains resources and described second Gains resources.
Described transacter is asked for described acquisition, and prompting second party needs to provide resource for the first Gains resources, and the third party associated with second party needs to provide resource for the second Gains resources.
S105: receive the first resource for the first Gains resources sent from second party.
Described transacter receives the first resource for the first Gains resources sent from second party.
S106: receive and send from the third-party Secondary resource for the second Gains resources.
Described transacter receives and sends from the third-party Secondary resource for the second Gains resources.
In a kind of embodiment, send before the third-party Secondary resource for the second Gains resources in reception, described method also comprises: according to described second party and described third-party mandate relation, described transacter verifies whether described third party has enough resources for the second Gains resources.If the result is yes, then described transacter receives and sends from the third-party Secondary resource for the second Gains resources.
In another kind of embodiment, send before the third-party Secondary resource for the second Gains resources in reception, described method also comprises: whether third party described in third-party authentication has enough resources for the second Gains resources.
S107: according to described first resource and described Secondary resource, provide described product, obtains described product to make second party.
Described transacter, according to described first resource and described Secondary resource, sends instruction to first party, to provide described product to second party.
S108: receive the return request for described product sent from second party.
Described transacter receives the return request for described product being sent to second party.
S109: according to described return request, described Secondary resource is provided, obtains described Secondary resource to make third party.
Described transacter is asked according to described return, sends instruction to first party, to provide described Secondary resource, obtains described Secondary resource to make third party.
In a kind of embodiment, receive send from second party for the return request of described product after, described method also comprises: verify whether described product meets return condition.Whether described return condition, product newness degree whether intact for the performance of product can reach 80% etc.If the result is yes, then provide described Secondary resource.If the result is no, then receive the supplemental resources sent from second party, described supplemental resources is determined according to pre-conditioned, reoffers described Secondary resource.
In another kind of embodiment, receive send from second party for the return request of described product after, described method also comprises: if the result is no, and determine required deduction resource according to pre-conditioned, first direction third party provides the resource of return to be Secondary resource deduct resource.
The embodiment of the present application, by coordinating relevant resource in many ways, completes mutual, to improve the utilization factor of mutual resource jointly.
Be more than the detailed introduction of transaction methods, below with reference to Fig. 2, transacter be introduced.
Fig. 2 is the structural representation of the transacter that the application one embodiment provides.
A kind of transacter specifically can comprise:
First receiver module 101, for receiving the product information sent from first party;
First determination module 102, for according to described product information, determines the first Gains resources and the second Gains resources;
Second receiver module 103, for receiving the acquisition request sending and correspond to the product of described product information from the acquisition of second party;
First reminding module 104, for for described acquisition request, points out described first Gains resources and described second Gains resources;
3rd receiver module 105, for receiving the first resource for the first Gains resources sent from second party; And receive transmission from the third-party Secondary resource for the second Gains resources;
Product provides module 106, for according to described first resource and described Secondary resource, provides described product, obtains described product to make second party;
4th receiver module 107, for receiving the return request for described product sent from second party;
Return module 108, for according to described return request, described Secondary resource is provided, obtains described Secondary resource to make third party.
Further, described product information comprises product category, Target Acquisition resource; Described first determination module 102 specifically for, according to described product category, Target Acquisition resource in conjunction with preset rules, determine described first Gains resources and described second Gains resources.
Further, described device also comprises:
First authentication module 109, for sending before the third-party Secondary resource for the second Gains resources in reception, according to described second party and described third-party mandate relation, verifies whether described third party has enough resources for the second Gains resources;
Described 3rd receiver module 105 specifically for, if the result is yes, then receive send from the third-party Secondary resource for the second Gains resources.
Further, described device also comprises:
Second authentication module 110, for receive send from second party for the return request of described product after, verify whether described product meets return condition;
Described return module 108 specifically for, if the result is yes, then provide described Secondary resource.
Further, described device also comprises,
5th receiver module 111, for after whether the described product of checking meets return condition, if the result is no, then receive the supplemental resources sent from second party, described supplemental resources is determined according to pre-conditioned.
Below with reference to concrete use scenes, the embodiment of the present application is described.
Fig. 3 is the schematic flow sheet of the transaction methods that provides of the application one embodiment in conjunction with concrete scene.
Transacter is e-commerce platform.
First party is product producer.
Second party is buyers.
Third party is financial lending institution.
Described transaction methods specifically can comprise the following steps:
S201: e-commerce platform receives and sends from the product information of product producer, product corresponding to described product information is televisor.
S202: e-commerce platform according to described product information, the firm sale amount of money, credit amount and allow service time, please table three be join in detail.
Table three
| Consumption sum | Credit amount | Allow service time |
| 6500*20％ | 6500*80％ | 1 year |
| 6500*40％ | 6500*60％ | 3 years |
| 6500*60％ | 6500*40％ | 5 years |
| 6500*80％ | 6500*20％ | 8 years |
S203: e-commerce platform receives the product purchase request sent from buyers.
S204: e-commerce platform, for purchase request, is pointed out consumption sum, credit amount and allows service time, and buyers is selected allow service time and confirm consumption sum and credit amount as required.
S205: e-commerce platform receives the consumption sum provided from buyers.
S206: according to buyers situation (as personal credit, object mortgage etc.), buyers pays credit amount to financial lending institution application.
S207: e-commerce platform receives the credit amount provided from financial lending institution.
S208: e-commerce platform sends instruction to product producer, to make the deliver goods of product producer and to install.
S209: when arrival allows service time, product is returned product producer by buyers, meanwhile, proposes to return application to e-commerce platform.
S210: whether product producer checking product meets return condition.
S211: if the result is yes, then credit amount is returned to financial lending institution by product producer.
S212: if the result is no, then buyers pays the amount of compensation, and credit amount is returned again to financial lending institution by product producer.
In a kind of embodiment, if return condition is produce market, whether appraisal is original cost lattice 70%, if the result is no, then the amount of compensation can with reference to table four.
Table four
| Market assessment/original cost lattice | The amount of compensation |
| More than 70% | 0 |
| 50% to 70% | Consumption sum * 20% |
| 30% to 50% | Consumption sum * 50% |
| Less than 30% | Consumption sum * 80% |
In another kind of embodiment, allow service time if do not arrive, buyers needs product to return product producer, and producer needs according to time used and the relation allowing service time, and refund portion divides consumption sum.
Those skilled in the art should understand, embodiments of the invention can be provided as method, system or computer program.Therefore, the present invention can adopt the form of complete hardware embodiment, completely software implementation or the embodiment in conjunction with software and hardware aspect.And the present invention can adopt in one or more form wherein including the upper computer program implemented of computer-usable storage medium (including but not limited to magnetic disk memory, CD-ROM, optical memory etc.) of computer usable program code.
The present invention describes with reference to according to the process flow diagram of the method for the embodiment of the present invention, equipment (system) and computer program and/or block scheme.Should understand can by the combination of the flow process in each flow process in computer program instructions realization flow figure and/or block scheme and/or square frame and process flow diagram and/or block scheme and/or square frame.These computer program instructions can being provided to the processor of multi-purpose computer, special purpose computer, Embedded Processor or other programmable data processing device to produce a machine, making the instruction performed by the processor of computing machine or other programmable data processing device produce device for realizing the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
These computer program instructions also can be stored in can in the computer-readable memory that works in a specific way of vectoring computer or other programmable data processing device, the instruction making to be stored in this computer-readable memory produces the manufacture comprising command device, and this command device realizes the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
These computer program instructions also can be loaded in computing machine or other programmable data processing device, make on computing machine or other programmable devices, to perform sequence of operations step to produce computer implemented process, thus the instruction performed on computing machine or other programmable devices is provided for the step realizing the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
In one typically configuration, computing equipment comprises one or more processor (CPU), input/output interface, network interface and internal memory.
Internal memory may comprise the volatile memory in computer-readable medium, and the forms such as random access memory (RAM) and/or Nonvolatile memory, as ROM (read-only memory) (ROM) or flash memory (flash RAM).Internal memory is the example of computer-readable medium.
Computer-readable medium comprises permanent and impermanency, removable and non-removable media can be stored to realize information by any method or technology.Information can be computer-readable instruction, data structure, the module of program or other data.The example of the storage medium of computing machine comprises, but be not limited to phase transition internal memory (PRAM), static RAM (SRAM), dynamic RAM (DRAM), the random access memory (RAM) of other types, ROM (read-only memory) (ROM), Electrically Erasable Read Only Memory (EEPROM), fast flash memory bank or other memory techniques, read-only optical disc ROM (read-only memory) (CD-ROM), digital versatile disc (DVD) or other optical memory, magnetic magnetic tape cassette, tape magnetic rigid disk stores or other magnetic storage apparatus or any other non-transmitting medium, can be used for storing the information can accessed by computing equipment.According to defining herein, computer-readable medium does not comprise temporary computer readable media (transitory media), as data-signal and the carrier wave of modulation.
Also it should be noted that, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thus make to comprise the process of a series of key element, method, product or equipment and not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise by the intrinsic key element of this process, method, product or equipment.When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, product or the equipment comprising described key element and also there is other identical element.
It will be understood by those skilled in the art that the embodiment of the application can be provided as method, system or computer program.Therefore, the application can adopt the form of complete hardware embodiment, completely software implementation or the embodiment in conjunction with software and hardware aspect.And the application can adopt in one or more form wherein including the upper computer program implemented of computer-usable storage medium (including but not limited to magnetic disk memory, CD-ROM, optical memory etc.) of computer usable program code.
The foregoing is only the embodiment of the application, be not limited to the application.To those skilled in the art, the application can have various modifications and variations.Any amendment done within all spirit in the application and principle, equivalent replacement, improvement etc., within the right that all should be included in the application.
Claims (10)
1. a transaction methods, is characterized in that, comprising:
Receive the product information sent from first party;
According to described product information, determine the first Gains resources and the second Gains resources;
Receive the acquisition request sending and correspond to the product of described product information from the acquisition of second party;
For described acquisition request, point out described first Gains resources and described second Gains resources;
Receive the first resource for the first Gains resources sent from second party;
Receive and send from the third-party Secondary resource for the second Gains resources;
According to described first resource and described Secondary resource, provide described product, obtain described product to make second party;
Receive the return request for described product sent from second party;
According to described return request, described Secondary resource is provided, obtains described Secondary resource to make third party.
2. the method for claim 1, is characterized in that, described product information comprises product category, Target Acquisition resource; Describedly determine the first Gains resources and the second Gains resources, specifically comprise:
According to described product category, Target Acquisition resource in conjunction with preset rules, determine described first Gains resources and described second Gains resources.
3. the method for claim 1, is characterized in that, send before the third-party Secondary resource for the second Gains resources in reception, described method also comprises:
According to described second party and described third-party mandate relation, verify whether described third party has enough resources for the second Gains resources;
Corresponding, described reception sends from the third-party Secondary resource for the second Gains resources; Specifically comprise:
If the result is yes, then receives and send from the third-party Secondary resource for the second Gains resources.
4. the method for claim 1, is characterized in that, receive send from second party for the return request of described product after, described method also comprises:
Verify whether described product meets return condition;
Accordingly, described in described Secondary resource is provided, specifically comprise:
If the result is yes, then provide described Secondary resource.
5. method as claimed in claim 4, is characterized in that, after whether the described product of checking meets return condition, described method also comprises:
If the result is no, then receive the supplemental resources sent from second party, described supplemental resources is determined according to pre-conditioned.
6. a transacter, is characterized in that, comprising:
First receiver module, for receiving the product information sent from first party;
First determination module, for according to described product information, determines the first Gains resources and the second Gains resources;
Second receiver module, for receiving the acquisition request sending and correspond to the product of described product information from the acquisition of second party;
First reminding module, for for described acquisition request, points out described first Gains resources and described second Gains resources;
3rd receiver module, for receiving the first resource for the first Gains resources sent from second party; And receive transmission from the third-party Secondary resource for the second Gains resources;
Product provides module, for according to described first resource and described Secondary resource, provides described product, obtains described product to make second party;
4th receiver module, for receiving the return request for described product sent from second party;
Return module, for according to described return request, described Secondary resource is provided, obtains described Secondary resource to make third party.
7. device as claimed in claim 6, it is characterized in that, described product information comprises product category, Target Acquisition resource; Described first determination module specifically for, according to described product category, Target Acquisition resource in conjunction with preset rules, determine described first Gains resources and described second Gains resources.
8. device as claimed in claim 6, it is characterized in that, described device also comprises:
First authentication module, for sending before the third-party Secondary resource for the second Gains resources in reception, according to described second party and described third-party mandate relation, verifies whether described third party has enough resources for the second Gains resources;
Described 3rd receiver module specifically for, if the result is yes, then receive send from the third-party Secondary resource for the second Gains resources.
9. device as claimed in claim 6, it is characterized in that, described device also comprises:
Second authentication module, for receive send from second party for the return request of described product after, verify whether described product meets return condition;
Described return module specifically for, if the result is yes, then provide described Secondary resource.
10. device as claimed in claim 9, it is characterized in that, described device also comprises,
5th receiver module, for after whether the described product of checking meets return condition, if the result is no, then receive the supplemental resources sent from second party, described supplemental resources is determined according to pre-conditioned.
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|---|---|---|---|
| CN201510340752.7A CN104899777A (en) | 2015-06-13 | 2015-06-13 | Transaction processing method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510340752.7A CN104899777A (en) | 2015-06-13 | 2015-06-13 | Transaction processing method and device |
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| US20080288415A1 (en) * | 2007-05-18 | 2008-11-20 | Bank Of America | Equity Protection |
| CN102013065A (en) * | 2009-05-17 | 2011-04-13 | 程玉明 | Commercial mode for popularizing energy-saving product |
| US20140156480A1 (en) * | 2012-11-30 | 2014-06-05 | Bank Of America Corporation | Personal financial management payment allocation |
| CN104704519A (en) * | 2012-10-04 | 2015-06-10 | 易付有限公司 | Methods, system and associated computer executable code for facilitating credit transactions |
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2015
- 2015-06-13 CN CN201510340752.7A patent/CN104899777A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20080288415A1 (en) * | 2007-05-18 | 2008-11-20 | Bank Of America | Equity Protection |
| CN102013065A (en) * | 2009-05-17 | 2011-04-13 | 程玉明 | Commercial mode for popularizing energy-saving product |
| CN104704519A (en) * | 2012-10-04 | 2015-06-10 | 易付有限公司 | Methods, system and associated computer executable code for facilitating credit transactions |
| US20140156480A1 (en) * | 2012-11-30 | 2014-06-05 | Bank Of America Corporation | Personal financial management payment allocation |
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Application publication date: 20150909 |