CN106600353A - Online transaction settlement processing method and device - Google Patents
Online transaction settlement processing method and device Download PDFInfo
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- CN106600353A CN106600353A CN201510679958.2A CN201510679958A CN106600353A CN 106600353 A CN106600353 A CN 106600353A CN 201510679958 A CN201510679958 A CN 201510679958A CN 106600353 A CN106600353 A CN 106600353A
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Abstract
The invention discloses an online transaction settlement processing method and a device. The online transaction settlement processing method comprises the steps of receiving a right safeguarding request sent from a to-be-settlement buyer user and aiming at a target seller user; on the condition that a preset settlement condition is met, judging whether target seller user already purchases a deposit insurance or not, wherein the deposit insurance is an insurance that is paid in advance by an insurance company associated with the deposit insurance when the seller user has no available funds; on the condition that the target seller user already purchases the deposit insurance, transferring the amount of compensation specified in the right safeguarding request to the account of the to-be-settlement buyer user from the account of the insurance company associated with the deposit insurance. According to the embodiments of the present invention, the claim processing process is conducted and the operation cost is reduced. The flow flexibility of funds is improved.
Description
Technical field
The application is related to technical field of internet application, more particularly to a kind of online transaction Claims Resolution processing method and
Device.
Background technology
With the popularization of network trading, the Transaction Disputes between buyer user and seller user become objectively difficult
With the phenomenon for avoiding.In order to ensure the rights and interests of buyer user, in existing some network trading platforms,
Ask seller user to pay a number of guarantee fund in advance, need to sell domestic when there are Transaction Disputes and judgement
When family is compensated, in the guarantee fund that directly can be paid from seller user amount deducted and transfer accounts give buyer use
Family.
Such scheme the disadvantage is that, seller user pays guarantee fund after, this guarantee fund is to be frozen in sell
Cannot freely use in family's user account, this virtually improves the operating cost of seller user, reduce
The motility of Capital Flow.
The content of the invention
For above-mentioned technical problem, the application provides a kind of online transaction Claims Resolution processing method and processing device, technology
Scheme is as follows：
According to the first aspect of the application, there is provided a kind of online transaction Claims Resolution processing method, methods described include：
Receive the right-safeguarding request for target seller user that buyer user to be settled a claim sends；
In the case where default Claims Resolution condition is met, judge whether the target seller user has bought guarantee
Golden danger, wherein, the guarantee fund is nearly leading by insurance company in the case where seller user is without available funds
Pay for the insurance of compensation first；
In the case where the target seller user has bought the guarantee fund danger, from nearly closing with the guarantee fund
Transfer in insurance company's account of connection is directed to the indemnity of right-safeguarding request to the buyer user to be settled a claim
Account.
According to the second aspect of the application, there is provided a kind of online transaction Claims Resolution processing meanss, described device include：
Right-safeguarding request receiving module, for receiving that buyer user to be settled a claim sends for target seller user's
Right-safeguarding is asked；
Guarantee fund danger judge module, in the case where default Claims Resolution condition is met, judging the target
Whether seller user has bought guarantee fund danger, wherein, the guarantee fund is nearly without available seller user's fund
In the case of paid for first the insurance of compensation by insurance company in advance；
Amount of money shift module, in the case of having bought the guarantee fund danger in the target seller user,
The indemnity that transfer is asked for the right-safeguarding from the insurance company's account nearly associate with the guarantee fund to
The account of the buyer user to be settled a claim.
The technical scheme that the application is provided, substitutes guarantee fund, the seller with good prestige with the pattern insured
User can use less expense purchase guarantee fund danger, need to sell domestic when there are Transaction Disputes and judgement
When family is compensated, indemnity can be paid for first in advance by insurance company.Seller user can need not pay height
In the case of volume guarantee fund, guarantee fund seller's user's identical qualification is obtained and pays, so as to reduce managing into
This, lifts the motility of Capital Flow.
It should be appreciated that the general description of the above and detailed description hereinafter are only exemplary and explanatory,
The application can not be limited.
Description of the drawings
In order to be illustrated more clearly that the embodiment of the present application or technical scheme of the prior art, below will be to implementing
Example or accompanying drawing to be used needed for description of the prior art are briefly described, it should be apparent that, describe below
In accompanying drawing be only the application described in some embodiments, for those of ordinary skill in the art,
Can be with according to these other accompanying drawings of accompanying drawings acquisition.
Fig. 1 is the schematic flow sheet of the first online transaction Claims Resolution processing method that the embodiment of the present application is provided；
Fig. 2 is the schematic flow sheet of second online transaction Claims Resolution processing method that the embodiment of the present application is provided；
Fig. 3 is the schematic flow sheet of the third online transaction Claims Resolution processing method that the embodiment of the present application is provided；
Fig. 4 is the schematic flow sheet of the 4th kind of online transaction Claims Resolution processing method that the embodiment of the present application is provided；
Fig. 5 is a kind of structural representation of online transaction Claims Resolution processing meanss that the embodiment of the present application is provided.
Specific embodiment
The embodiment of the present application provides a kind of online transaction and settles a claim processing method and processing device, below first on the whole
Above-mentioned online transaction Claims Resolution processing method is introduced.
Specifically, online transaction Claims Resolution processing method, including：
Receive the right-safeguarding request for target seller user that buyer user to be settled a claim sends；
In the case where default Claims Resolution condition is met, judge whether the target seller user has bought guarantee
Golden danger, wherein, the guarantee fund is nearly leading by insurance company in the case of without available seller user's fund
Pay for the insurance of compensation first；
In the case where the target seller user has bought the guarantee fund danger, from nearly closing with the guarantee fund
Transfer in insurance company's account of connection is directed to the indemnity of right-safeguarding request to the buyer user to be settled a claim
Account.
It is that buyer user and seller user provide on-net transactions that the executive agent of above-mentioned each step can be
Transaction platform.As the guarantee fund danger being related in above-mentioned steps is in the situation without available seller user's fund
The compensation that seller user need to be paid to buyer user can be paid for first from insurance company is existing down, so, necessarily
The operating cost of buyer user is reduced in degree, the motility of Capital Flow is improved.
In order that those skilled in the art more fully understand the technical scheme in the application, below in conjunction with this Shen
Accompanying drawing that please be in embodiment, is described in detail to the technical scheme in the embodiment of the present application, it is clear that institute
The embodiment of description is only some embodiments of the present application, rather than the embodiment of whole.Based on the application
In embodiment, the every other embodiment obtained by those of ordinary skill in the art should all belong to this Shen
The scope that please be protect.
The schematic flow sheet of the first online transaction Claims Resolution processing method that Fig. 1 is provided for the embodiment of the present application,
The method includes：
S101：Receive the right-safeguarding request for target seller user that buyer user to be settled a claim sends.
The right-safeguarding that buyer user to be settled a claim can be directed to target seller user by user end to server transmission please
Ask, wherein, can include in right-safeguarding request：The mark of buyer user to be settled a claim, the mark of target seller user
Knowledge, the sequence information of online transaction, right-safeguarding reason, indemnity etc. that target seller user pays is needed,
Information of the application not to including in right-safeguarding request is defined, can be as the case may be in practical application
It is adjusted.
S102：In the case where default Claims Resolution condition is met, judge whether target seller user has bought guarantor
Card gold danger.
It should be noted that above-mentioned guarantee fund is nearly public by insurance in the case of without available seller user's fund
Department pays for the insurance of compensation in advance first.
It should be understood that to ensure to buyer user and the fairness of seller user, Claims Resolution can be preset
Condition, only in the case where Claims Resolution condition set in advance is met, server just responds buyer to be settled a claim and uses
The right-safeguarding request at family.Certainly, above-mentioned default Claims Resolution condition can be sky, i.e., under any circumstance, as long as
Server have received right-safeguarding request, you can judge whether target seller user has bought guarantee fund danger.
Specifically, server can also first receive the proof that buyer user to be settled a claim and target seller user send
Information, then according to the proof information for being received, according to default Claims Resolution decision rule, judges target seller
Whether user is responsible party, judge in the case that target seller user is responsible party, then judge that target is sold
Whether family user has bought guarantee fund danger.
Wherein, above-mentioned proof information can be the commodity photo of buyer user's shooting to be settled a claim, treat that Claims Resolution is bought
Commodity issuance records sectional drawing that the transaction record sectional drawing of family's user's upload, target seller user upload etc..
In addition, above-mentioned default Claims Resolution rule can be operation and maintenance personnel by a large amount of buyer users and selling
Family user carries out the Claims Resolution decision rule that questionnaire survey obtains, or operation and maintenance personnel and is promoted according to some
Claims Resolution decision rule that the characteristics of pin activity is arranged etc..
For example, target seller user has participated in Return of Goods without Reasons activity in 7 days, and buyer user to be settled a claim receives business
Find after product that the commodity are not the styles oneself wanted, and then have issued right-safeguarding request, then server is received
After the right-safeguarding request, Jing verifies target seller user and has participated in Return of Goods without Reasons activity in 7 days, therefore, server
Think that target seller user should be that buyer user to be settled a claim handles the return of goods, that is, server is thought to work as cause
Condition meets default Claims Resolution condition.
Due to and not all seller with guarantee fund danger can be bought per family, so, it is generally the case that server meeting
Record has bought the relevant information of the seller user of guarantee fund danger, carries out data maintenance in order to the later stage.In addition,
Insurance company considers the risk factor of oneself, only credit grade may can be allowed to reach necessarily in practical application
The seller user purchase guarantee fund danger of rank, so, change an angle and can be understood as the analysis of Jing insurance companies
The credibility of the seller user of purchase guarantee fund danger is general higher, and this information can be with for buyer user
As purchase commodity reference, consequently, to facilitate buyer's user's identification which be bought guarantee fund danger sell
Family user, which is the seller user for not buying guarantee fund danger, can also be the seller for buying guarantee fund danger
User issues guarantee fund and nearly identifies, and further buyer user's purchase has bought the seller user's of guarantee fund danger
After commodity, can also nearly identify comprising the guarantee fund in the sequence information for being generated.
In view of the foregoing, when judging whether target seller user has bought guarantee fund danger, can be by sentencing
The mode for identifying whether to belong to default seller's user profile list of disconnected target seller user determines target seller
Whether user has bought guarantee fund danger, specifically, if the mark of target seller user belongs to default sells domestic
Family information list, then can be determined that target seller user has bought guarantee fund danger, wherein, it is above-mentioned default to sell
Family user information list is at least used for the mark that the seller user of guarantee fund danger has been bought in storage, certainly, the row
Other information can also be stored in table, for example, credit grade of seller user etc., the application is not to this
It is defined.
In addition, when judging whether target seller user has bought guarantee fund danger, can also be by judging right-safeguarding
The mode that guarantee fund danger mark whether is included in asking corresponding online transaction order determines that target seller user is
It is no to have bought guarantee fund danger, specifically, if nearly identifying comprising guarantee fund in order, can be determined that target is sold
Family user has bought guarantee fund danger.
S103：In the case where target seller user has bought guarantee fund danger, from the guarantor nearly associated with guarantee fund
Account of the transfer for the indemnity to buyer user to be settled a claim of right-safeguarding request in dangerous corporation account.
Specifically, the above-mentioned indemnity for right-safeguarding request can be that server asks right according to aforementioned right-safeguarding
What the dealing money of the online transaction order answered determined, for example, indemnity is determined for online transaction order
1 times of dealing money, 1.5 times, 3 times etc.；
The above-mentioned indemnity for right-safeguarding request can also be what buyer user to be settled a claim determined, can also be
What buyer user to be settled a claim and target seller user negotiation determined etc..
As seen from the above, the technical scheme that the present embodiment is provided, substitutes guarantee fund with the pattern insured, has
The seller user of good prestige can use less expense purchase guarantee fund danger, when occur Transaction Disputes and
When judgement needs seller user to be compensated, indemnity can be paid for first in advance by insurance company.Seller user can
In the case where great number guarantee fund need not be paid, to obtain and pay guarantee fund seller's user's identical qualification,
So as to reduce operating cost, the motility of Capital Flow is lifted.
It should be understood that buyer user is during Claims Resolution, it may be necessary to return goods, it is also possible to need not return goods,
For both of these case, illustrate below by corresponding embodiment.
In a kind of specific implementation of the application, referring to Fig. 2, there is provided second online transaction loss department
The schematic flow sheet of reason method, compared with previous embodiment, in the present embodiment, from what is associated with guarantee fund danger
Account of the transfer for the indemnity to buyer user to be settled a claim of right-safeguarding request in insurance company's account, including：
S103A：Judge whether buyer user to be settled a claim sends merchandise return request, if sending, perform S103B.
S103B：The prefreezing amount of money that buyer user to be settled a claim determines is obtained, and according to the prefreezing amount of money and target
The available guarantee fund danger remaining sum of seller user judges whether nearly be settled a claim by guarantee fund, if can lead to
Cross guarantee fund nearly to be settled a claim, perform S103C.
Wherein, the available guarantee fund danger remaining sum of target seller user is insurance company's account that guarantee fund nearly associates
In for paying for the available Insured Balance of compensation first for target seller user.
Behind seller user purchase guarantee fund danger, insurance company can be set for which according to its insured amount for being paid
Different guarantee fund danger amounts are put, wherein, it is ensured that gold danger amount represents that insurance company can be seller user's pad
The greatest measure of the compensation paid, for example, seller user pays 30 yuan of insured amounts in 1 year, and insurance company is
The guarantee fund danger amount which is arranged is 1000 yuan；Seller user pays 100 yuan of insured amounts for 1 year, and insurance is public
It is 20000 yuan etc. to take charge of as its guarantee fund danger amount for arranging.
As insurance company helps seller user to pay for compensation first, in seller user without to insurance company's refund
In the case of, insurance company can help the compensation that seller user pays for first can be fewer and feweri, i.e. seller user
Available guarantee fund danger remaining sum it is less and less.
It is assumed that the guarantee fund danger amount that insurance company is target seller user to be arranged is 10000 yuan, insurance is public
After department helps the compensation that target seller user pays 1000 yuan, the available guarantee fund of target seller user
Dangerous remaining sum be 9000 yuan, target seller user to insurance company repay it is above-mentioned 1000 yuan in the case of,
After insurance company helps the compensation that target seller user pays 3000 yuan again, target seller user's
Available guarantee fund danger remaining sum is 6000 yuan.
After Claims Resolution buyer user determines the prefreezing amount of money, server can be to the available guarantor of target seller user
Fund in the remaining sum of card gold danger carries out freeze operation, and after freezing of funds, the fund freezed is only used for Claims Resolution
The right-safeguarding request of buyer user to be settled a claim, so, buyer user determines the prefreezing amount of money during Claims Resolution,
And server carries out freezing of funds according to the amount of money to be contributed to preventing due to Sorry, your ticket has not enough value for available guarantee fund danger band
The buyer user's Claims Resolution speed to be settled a claim slows down.
It should be noted that the prefreezing amount of money that buyer user to be settled a claim determines can be corresponding with right-safeguarding request
The turnover of online transaction order is equal, it is also possible to unequal, and for example, the prefreezing amount of money can be in above-mentioned friendship
Easily increase freight amount on the basis of volume, increase loss of buyer user to be settled a claim etc..
Being judged whether according to the available guarantee fund danger remaining sum of the prefreezing amount of money and target seller user can be by protecting
When card gold danger is settled a claim, can pass through to judge the available guarantor whether the prefreezing amount of money is more than target seller user
The mode of card gold danger remaining sum determining whether nearly be settled a claim by guarantee fund, specifically, if prefreezing
The amount of money then judges nearly be managed by guarantee fund more than the available guarantee fund danger remaining sum of target seller user
Pay for, if conversely, the prefreezing amount of money is judged less than or equal to the available guarantee fund danger remaining sum of target seller user
Can nearly be settled a claim by guarantee fund.
S103C：Freeze the prefreezing amount of money part in the available guarantee fund danger remaining sum of target seller user.
S103D：According to the available guarantee fund danger remaining sum of the prefreezing amount of money more fresh target seller user.
After fund is frozen, the available guarantee fund danger remaining sum of target seller user reduces.
S103E：It is determined that after Claims Resolution buyer user completes to return goods, judging the indemnity for right-safeguarding request
Whether the prefreezing amount of money is less than or equal to, if being less than or equal to the prefreezing amount of money, performs S103F, otherwise, performed
S103G。
Specifically, the express delivery odd numbers that buyer user to be settled a claim uploads etc. information determination can be passed through and treats that Claims Resolution is bought
Family user completes to return goods.
S103F：The account of indemnity to buyer user to be settled a claim is shifted from the frozen prefreezing amount of money,
Defrosting residue freezes the amount of money, and freezes the available of the amount of money more fresh target seller user according to indemnity and residue
Guarantee fund danger remaining sum.
Wherein, residue freezes the amount of money equal to the prefreezing amount of money and the difference of indemnity.
In the case where above-mentioned indemnity is less than or equal to the prefreezing amount of money, the fund freezed is sufficiently used for propping up
Compensation is paid, thus the guarantee fund danger remaining sum without the need for employing target seller user again pays, in addition, this feelings
After compensation has been paid under condition, in the fund freezed also have surplus capital, but due to this part fund at
In frozen state, it is impossible to for paying other compensations, so, need to freeze the amount of money to residue is carried out at defrosting
Reason.
S103G：Judge whether the available guarantee fund danger remaining sum of target seller user is more than with prefreezing amount of money sum
Equal to indemnity, if being more than or equal to indemnity, S103H is performed.
S103H：Will be the frozen prefreezing amount of money and the available guarantee fund danger for coming from target seller user remaining
The supplementary amount of money of volume is transferred to the account of buyer user to be settled a claim, and is used according to indemnity more fresh target seller
The available guarantee fund danger remaining sum at family.
Wherein, supplement the difference that the amount of money is equal to indemnity and the prefreezing amount of money.
In the case where above-mentioned indemnity is more than the prefreezing amount of money, it is clear that the insufficient funds freezed are paid in payment
Indemnity, in order to guarantee successfully to pay above-mentioned compensation, in addition to needing to consider the fund freezed, also needs
A part to be moved out of for Litis aestimatio from the available guarantee fund danger remaining sum of target seller user.
It will be observed from the foregoing that being repeatedly related to more fresh target seller user's during above-mentioned Claims Resolution
Available guarantee fund danger remaining sum, in a kind of relatively good implementation of the application, is to ensure target seller user's energy
Enough to grasp its available guarantee fund danger remaining sum in real time, after the remaining sum is updated every time, server can be to target seller
User pushes remaining sum change information, specifically, can include in the information：After renewal, target is sold
The available guarantee fund danger remaining sum of family user, this freeze the amount of money, this indemnity etc. information.
In another kind of specific implementation of the application, referring to Fig. 3, there is provided the third online transaction is settled a claim
The schematic flow sheet of processing method, compared with embodiment illustrated in fig. 2, in the present embodiment, is judging to wait to manage
In the case that compensation buyer user does not send merchandise return request, also include：
S103I：Judge the available guarantor of target seller user whether is less than or equal to for the indemnity of right-safeguarding request
Card gold danger remaining sum, if it is, performing S103J.
S103J：Indemnity is shifted to buyer user to be settled a claim in insurance company's account of collateral security gold danger association
Account, and according to the available guarantee fund danger remaining sum of indemnity more fresh target seller user.
It should be understood that after the right-safeguarding request that Claims Resolution buyer user is sent for target seller user, may
The right-safeguarding can be cancelled due to reasons such as information solicitation mistakes to ask, and cancel the right-safeguarding in buyer user to be settled a claim
During request, compensation may be transferred to server the account of buyer user to be settled a claim, it is also possible to not shift
To the account of buyer user to be settled a claim, in the case where the account of buyer user to be settled a claim is not transferred to, solution is needed
Freeze frozen fund, to ensure there are enough funds can use in available guarantee fund's remaining sum of target buyer user.
In view of the foregoing in a kind of optional implementation of the application, can freeze target seller user
After with the prefreezing amount of money part in the remaining sum of guarantee fund danger, the cancellation dimension for right-safeguarding request can also be received
Power request, shifts compensation to waiting to manage in the insurance company's account for then judging whether the danger association of the gold of collateral security
The account of buyer user is paid for, if it has not, the then defrosting prefreezing amount of money, and according to the prefreezing amount of money more fresh target
The available guarantee fund danger remaining sum of seller user.
It should be noted that the prefreezing amount of money in the available guarantee fund danger remaining sum for freezing target seller user
The cancellation right-safeguarding request for right-safeguarding request can also be received before part, only no longer need to be responded in this case
The right-safeguarding request for receiving before, is not related to deblocking of funds process.
As seen from the above, in the technical scheme that above-mentioned several embodiments are provided, need in buyer user to be settled a claim
In the case of the return of goods, freeze a part of fund from the available guarantee fund danger remaining sum of target seller user for
The compensation of buyer user to be settled a claim is paid, treats that Claims Resolution is bought as fund is only used for paying after frozen
The compensation of family user, it is possible to the right-safeguarding for accelerating buyer user to be settled a claim for target seller user is asked
Processing speed.
Above-mentioned online transaction Claims Resolution processing method is further described in detail below by several examples.
After in each example, server receives right-safeguarding request below, judge to learn that target seller user purchases
Buy guarantee fund danger.It is assumed that the available guarantee fund danger remaining sum of primary objective seller user is 10000 yuan.
Example one：Buyer user to be settled a claim have issued merchandise return request, the prefreezing that buyer user to be settled a claim determines
The amount of money is 2000 yuan, and 2000 yuan are less than 10000 yuan, are nearly settled a claim therefore, it is possible to pass through guarantee fund, are carried out
After freezing of funds, the available guarantee fund danger remaining sum of target seller user is 8000 yuan, for the compensation of right-safeguarding request
Indemnity volume is 1500 yuan, pays 1500 yuan of buyer user to be settled a claim, settle a claim successfully from 2000 yuan for freezing,
Frozen remaining 500 yuan are thawed, the available guarantee fund danger remaining sum of target seller user is 8500 yuan.
Example two：Buyer user to be settled a claim have issued merchandise return request, the prefreezing that buyer user to be settled a claim determines
The amount of money is 11000 yuan, and 11000 yuan are more than 10000 yuan, therefore can not nearly be settled a claim by guarantee fund, can
To think Claims Resolution failure, now can be settled a claim by other approach, for example, artificial contact staff side
Help solution etc..
Example three：Buyer user to be settled a claim have issued merchandise return request, the prefreezing that buyer user to be settled a claim determines
The amount of money is 2000 yuan, and 2000 yuan are less than 10000 yuan, are nearly settled a claim therefore, it is possible to pass through guarantee fund, are carried out
After freezing of funds, the available guarantee fund danger remaining sum of target seller user is 8000 yuan, for the compensation of right-safeguarding request
Indemnity volume is 3000 yuan, and 3000 yuan are less than 2000 yuan and 8000 yuan of sums, and freeze 2000 yuan are paid
To buyer user to be settled a claim, and 1000 yuan are moved out from 8000 yuan pay buyer user to be settled a claim, settle a claim
Success, the available guarantee fund danger remaining sum of target seller user is 7000 yuan.
Example four：Buyer user to be settled a claim have issued merchandise return request, the prefreezing that buyer user to be settled a claim determines
The amount of money is 2000 yuan, and 2000 yuan are less than 10000 yuan, are nearly settled a claim therefore, it is possible to pass through guarantee fund, are carried out
After freezing of funds, the available guarantee fund danger remaining sum of target seller user is 8000 yuan, for the compensation of right-safeguarding request
Indemnity volume is 11000 yuan, and 11000 yuan are more than 2000 yuan and 8000 yuan of sums, and target seller user's is available
, to pay the compensation of buyer user to be settled a claim, Claims Resolution fails for guarantee fund's danger remaining sum and prefreezing insufficient in amount,
Now can be settled a claim by other approach.
Example five：Buyer user to be settled a claim does not send merchandise return request, is 1500 for the indemnity of right-safeguarding request
Unit, pays buyer user to be settled a claim 1500 from 10000 yuan of the remaining sum in available guarantee fund danger of target seller user
Unit, the available guarantee fund danger remaining sum of target seller user is 8500 yuan.
Example six：Buyer user to be settled a claim does not send merchandise return request, for the indemnity of right-safeguarding request is
11000 yuan, 11000 yuan are more than 10000 yuan, Sorry, your ticket has not enough value the available guarantee fund danger of target seller user with
Pay the compensation of buyer user to be settled a claim, it is believed that Claims Resolution failure, now can be carried out by other approach
Claims Resolution.
In another kind of specific implementation of the application, referring to Fig. 4, there is provided the 4th kind of online transaction Claims Resolution
The schematic flow sheet of processing method, compared with previous embodiment, in the present embodiment, from nearly closing with guarantee fund
In insurance company's account of connection transfer for right-safeguarding request indemnity to after Claims Resolution buyer user account after,
Also include：
S104：According to default rule of refunding, according to above-mentioned indemnity, from the account of target seller user
In insurance company's account that the transfer amount of money is extremely nearly associated with guarantee fund, and according to the transfer amount of money more fresh target seller
The available guarantee fund danger remaining sum of user.
It should be understood that after insurance company helps target seller user to pay for compensation first, target seller user's
Available guarantee fund danger remaining sum can less and less, the remaining sum it is little to a certain extent when, for example, zero, insurance public affairs
Department just no longer helps target seller user to pay for compensation first, therefore, target seller user needs public to insurance in time
Department refunds.
Specifically, the amount of money is shifted to the insurance company's account nearly associated with guarantee fund from the account of target seller user
Operation in family can be triggered according to the refund request that target seller user sends, to prevent target seller
User is busy to be forgotten to refund, or by server according to certain regular forced-triggered, for example, clothes
Business device is detected in compensation of the transfer for right-safeguarding request from the insurance company's account nearly associated with guarantee fund
Volume to after Claims Resolution buyer user account after reach default time point or through preset duration trigger etc..
Specifically, according to default rule of refunding, according to above-mentioned indemnity, from the account of target seller user
When the family transfer amount of money is into the insurance company's account nearly associated with guarantee fund, can be from nearly associating with guarantee fund
Insurance company's account in transfer for right-safeguarding request indemnity to after Claims Resolution buyer user account after,
Reach default time point or in the case of preset duration, judge that the account balance of target seller user is
It is no more than or equal to above-mentioned indemnity, if be more than or equal to above-mentioned indemnity, from the account of target seller user
Transfer indemnity is into the insurance company's account nearly associated with guarantee fund, and is updated according to above-mentioned indemnity
The available guarantee fund danger remaining sum of target seller user, if being less than above-mentioned compensation, from the account of target seller user
Family divert the aim seller's user account remaining sum into the insurance company's account nearly associated with guarantee fund, and according to
The available guarantee fund danger remaining sum of the balance updates target seller user of target seller's user account.
Using aforesaid way to insurance company refund when, can not only farthest ensure target seller user
Available guarantee fund danger remaining sum, and can be in the case of target seller's User Status exception, at utmost
Reduce the loss of insurance company.
From previous embodiment as can be seen that from the account of target seller user to the insurance nearly associated with guarantee fund
After corporation account's transfer fund, can be according to the available guarantee fund danger of the amount of money for being shifted more fresh target seller user
Remaining sum, wherein, the amount of money for being shifted is equally likely to above-mentioned indemnity, it is also possible to less than above-mentioned compensation
Volume.In the case where the amount of money for being shifted is equal to above-mentioned indemnity, it is believed that target seller user is to insurance
Company also asks aforementioned right-safeguarding to ask corresponding indemnity, no matter therefore in the server also in insurance company
In record, target buyer user can be zeroed for the refund amount of money of aforementioned right-safeguarding request, and for institute
Situation of the amount of money of transfer less than above-mentioned indemnity, due to failing all also to ask target buyer user for front
The refund amount of money zero of right-safeguarding request is stated, the refund amount of money can be updated according to refund situation at that time.
In addition, be previously noted look over so as to check sell by tender a user actively can initiate to insurance company refund, based on this
In a kind of specific implementation of the application, above-mentioned online transaction Claims Resolution processing method can also include：
The refund request that target seller user sends is received, wherein, amount to pay is carried in the refund request, so
Afterwards according to the amount to pay that carries in above-mentioned refund request, from the account of target seller user shift amount to pay to
In insurance company's account that guarantee fund nearly associates, and according to the available guarantee of amount to pay more fresh target seller user
Golden danger remaining sum.
It should be noted that above-mentioned amount to pay can be the reparation of a right-safeguarding request for destination object
The amount of money, or the indemnity sum of the multiple right-safeguarding requests for destination object, the application be not right
This is defined.
As seen from the above, in the technical scheme that the present embodiment is provided, according to default rule of refunding, according to compensation
Indemnity volume, shifts the amount of money into the insurance company's account nearly associated with guarantee fund from the account of target seller user,
And the available guarantee fund's danger remaining sum according to the transfer amount of money more fresh target seller user and target seller user are directed to
The debt volume of insurance company, available guarantee fund's danger remaining sum and the insurance that target seller user has been effectively ensured are public
The interests of department.
Corresponding with above-mentioned online transaction Claims Resolution processing method, the embodiment of the present application additionally provides a kind of online friendship
Easy Claims Resolution processing meanss.
A kind of structural representation of online transaction Claims Resolution processing meanss that Fig. 5 is provided for the embodiment of the present application, should
Device includes：
Right-safeguarding request receiving module 501, for receiving that buyer user to be settled a claim sends for target seller user
Right-safeguarding request；
Guarantee fund danger judge module 502, in the case where default Claims Resolution condition is met, judging the mesh
Sell whether a user has bought guarantee fund danger by tender, wherein, the guarantee fund is nearly without available seller user's money
Paid for first the insurance of compensation in the case of gold by insurance company in advance；
First amount of money shift module 503, for the feelings of the guarantee fund danger have been bought in the target seller user
Under condition, reparation of the transfer for right-safeguarding request from the insurance company's account nearly associated with the guarantee fund
The account of the amount of money to the buyer user to be settled a claim.
Specifically, guarantee fund danger judge module 502 can include：
Proof information receiving submodule, for receiving the buyer user to be settled a claim and the target seller user
The proof information for sending；
Responsible party's judging submodule, for according to the proof information for being received, judging rule according to default Claims Resolution
Then, judge whether the target seller user is responsible party；
Guarantee fund danger judging submodule, for the feelings for being yes in the judged result of responsible party's judging submodule
Under condition, judge whether the target seller user has bought guarantee fund danger.
Specifically, guarantee fund danger judge module 502 can be specifically for meeting default Claims Resolution condition
In the case of, judge the target seller user identify whether belong to default seller's user profile list,
If belonging to, judge that the target seller user has bought guarantee fund danger, wherein, it is described default to sell domestic
Family information list is at least used for the mark that the seller user of the guarantee fund danger has been bought in storage；
Or
It is corresponding online specifically in the case where default Claims Resolution condition is met, judging the right-safeguarding request
Whether nearly identify comprising guarantee fund in trading order form, if comprising judging that the target seller user buys
The guarantee fund danger.
In a kind of relatively good implementation of the application, first amount of money shift module 503 can include：
Merchandise return request judging submodule, for the feelings of the guarantee fund danger have been bought in the target seller user
Under condition, judge whether the buyer user to be settled a claim sends merchandise return request；
Claims Resolution judging submodule, for obtaining the prefreezing amount of money that the buyer user to be settled a claim determines, and root
Judge whether to pass through according to the available guarantee fund danger remaining sum of the prefreezing amount of money and the target seller user
The guarantee fund is nearly settled a claim, wherein, available guarantee fund's danger remaining sum of the target seller user is described
It is used for paying for the available guarantor of compensation for the target seller user first in insurance company's account that guarantee fund nearly associates
Dangerous remaining sum；
First amount of money judging submodule, for the situation for being yes in the judged result of the Claims Resolution judging submodule
Under, freeze the prefreezing amount of money part in the available guarantee fund danger remaining sum of the target seller user, and
The available guarantee fund danger remaining sum of the target seller user is updated according to the prefreezing amount of money, it is determined that described
After Claims Resolution buyer user completes to return goods, judge whether be less than or equal to for the indemnity of right-safeguarding request
The prefreezing amount of money；
First amount of money shifts submodule, for the judged result in first amount of money judging submodule for yes
In the case of, the indemnity is shifted from the frozen prefreezing amount of money and is used to the buyer to be settled a claim
The account at family, defrosting residue freeze the amount of money, and freeze amount of money renewal according to the indemnity and the residue
The available guarantee fund danger remaining sum of the target seller user, wherein, the residue freezes the amount of money equal to described pre-
Freeze the difference of the amount of money and the indemnity；
Second amount of money judging submodule, for be no in the judged result of first amount of money judging submodule
In the case of, judge that the available guarantee fund danger remaining sum of the target seller user with the prefreezing amount of money sum is
It is no more than or equal to the indemnity；
Second amount of money shifts submodule, for the judged result in second amount of money judging submodule for yes
In the case of, by the frozen prefreezing amount of money and come from the available guarantee of the target seller user
The supplementary amount of money of golden danger remaining sum is transferred to the account of the buyer user to be settled a claim, and according to the indemnity
The available guarantee fund danger remaining sum of the target seller user is updated, wherein, the supplementary amount of money is equal to the compensation
The difference of indemnity volume and the prefreezing amount of money.
In another kind of relatively good implementation of the application, first amount of money shift module 503 also includes：
3rd amount of money judging submodule, for the judged result feelings that are no of the merchandise return request judging submodule
Under condition, judge for right-safeguarding request indemnity whether less than or equal to the target seller user can
With guarantee fund danger remaining sum；
3rd amount of money shifts submodule, for the judged result in the 3rd amount of money judging submodule for yes
In the case of, the indemnity is shifted from the guarantee fund nearly insurance company's account of association wait to manage to described
The account of buyer user is paid for, and the available guarantee fund of the target seller user is updated according to the indemnity
Dangerous remaining sum.
Specifically, first amount of money shift module 503 can also include：
Cancel right-safeguarding request receiving submodule, for freezing the pre-freeze in first amount of money judging submodule
After knot amount of money part, the cancellation right-safeguarding request for right-safeguarding request is received；
The amount of money shifts judging submodule, for the insurance company's account for judging whether nearly to have associated from the guarantee fund
The account of the compensation to the buyer user to be settled a claim is shifted in family；
Amount of money defrosting submodule, the situation that the judged result for judging submodule is shifted in the amount of money is no
Under, thaw the prefreezing amount of money, and according to the prefreezing amount of money update the target seller user can
With guarantee fund danger remaining sum.
In another kind of relatively good implementation of the application, above-mentioned online transaction Claims Resolution processing meanss also include：
Second amount of money shift module, for first amount of money shift module 503 transfer the amount of money after, according to
Default rule of refunding, according to the indemnity, from the account of the target seller user shift the amount of money to
In the insurance company's account nearly associated with the guarantee fund, and domestic are sold according to the transfer amount of money renewal target
The available guarantee fund danger remaining sum at family.
Specifically, second amount of money shift module can include：
4th amount of money judging submodule, for from the insurance company's account transfer nearly associated with the guarantee fund
The indemnity for being directed to right-safeguarding request is moved to described after the account of Claims Resolution buyer user, arrival is default
Time point or in the case of preset duration, judges whether the account balance of the target seller user is more than
Equal to the indemnity；
4th amount of money shifts submodule, for the judged result in the 4th amount of money judging submodule for yes
In the case of, the indemnity is shifted to nearly associating with the guarantee fund from the account of the target seller user
Insurance company's account in, and the available guarantee fund of the target seller user is updated according to the indemnity
Dangerous remaining sum；
5th amount of money shifts submodule, for be no in the judged result of the 4th amount of money judging submodule
In the case of, from the account of the target seller user shift the remaining sum of the target seller user account to institute
State in insurance company's account that guarantee fund nearly associates, and according to the balance updates of the target seller user account
The available guarantee fund danger remaining sum of the target seller user.
Specifically, above-mentioned online transaction Claims Resolution processing meanss can also include：
Refund request receiving module, for receiving the refund request that the target seller user sends, wherein,
Amount to pay is carried in the request of refunding；
3rd amount of money shift module, for according to the amount to pay that carries in the request of refunding, from described
The account of target seller user shifts the amount to pay into the insurance company's account nearly associated with the guarantee fund,
And the available guarantee fund danger remaining sum of the target seller user is updated according to the amount to pay.
As seen from the above, the technical scheme that above-mentioned each embodiment is provided, substitutes guarantee fund with the pattern insured,
Seller user with good prestige can use less expense purchase guarantee fund danger, when there are Transaction Disputes
And when judgement needs seller user to be compensated, indemnity can be paid for first in advance by insurance company.Sell domestic
Family can obtain and pay guarantee fund seller user identical money in the case where paying great number guarantee fund
Matter, so as to reduce operating cost, lifts the motility of Capital Flow.
In said apparatus, the function of modules and effect realizes that process specifically refers to correspondence in said method and walks
Rapid realizes process, will not be described here.
As seen through the above description of the embodiments, those skilled in the art can be understood that this
Application can add the mode of required general hardware platform to realize by software.Based on such understanding, this Shen
The part that technical scheme please is substantially contributed to prior art in other words can be in the form of software product
Embody, the computer software product can be stored in storage medium, such as ROM/RAM, magnetic disc,
CD etc., use including some instructions so that computer equipment (can be personal computer, server,
Or the network equipment etc.) perform method described in some parts of each embodiment of the application or embodiment.
Each embodiment in this specification is described by the way of progressive, phase homophase between each embodiment
As part mutually referring to what each embodiment was stressed is the difference with other embodiment.
For especially for device embodiment, as which is substantially similar to embodiment of the method, so describe to compare
Simply, related part is illustrated referring to the part of embodiment of the method.Device embodiment described above is only
It is only illustrative, wherein the module as separating component explanation can be or may not be physics
It is upper separate, when application scheme is implemented can the function of each module in same or multiple softwares and/or
Realize in hardware.Some or all of module therein can also be selected according to the actual needs to realize this reality
Apply the purpose of a scheme.Those of ordinary skill in the art are not in the case where creative work is paid, you can with
Understand and implement.
The above is only the specific embodiment of the application, it is noted that common for the art
For technical staff, on the premise of without departing from the application principle, some improvements and modifications can also be made,
These improvements and modifications also should be regarded as the protection domain of the application.
Claims (10)
1. a kind of online transaction is settled a claim processing method, it is characterised in that methods described includes：
Receive the right-safeguarding request for target seller user that buyer user to be settled a claim sends；
In the case where default Claims Resolution condition is met, judge whether the target seller user has bought guarantee
Golden danger, wherein, the guarantee fund is nearly leading by insurance company in the case where seller user is without available funds
Pay for the insurance of compensation first；
In the case where the target seller user has bought the guarantee fund danger, from nearly closing with the guarantee fund
Transfer in insurance company's account of connection is directed to the indemnity of right-safeguarding request to the buyer user to be settled a claim
Account.
2. method according to claim 1, it is characterised in that described to meet default Claims Resolution condition
In the case of, judge whether the target seller user has bought guarantee fund danger, including：
The proof information that buyer user to be settled a claim and the target seller user described in receiving send；
According to the proof information for being received, according to default Claims Resolution decision rule, judge that the target sells domestic
Whether family is responsible party；
If it is, judging whether the target seller user has bought guarantee fund danger.
3. method according to claim 1, it is characterised in that the judgement target seller user
Whether guarantee fund danger has been bought, including：
Judge the target seller user identify whether belong to default seller's user profile list, if belonging to,
Then judge that the target seller user has bought guarantee fund danger, wherein, default seller's user profile row
Table is at least used for the mark that the seller user of the guarantee fund danger has been bought in storage；
Or
Judge whether the right-safeguarding is nearly identified comprising guarantee fund in asking corresponding online transaction order, if comprising,
Then judge that the target seller user has bought the guarantee fund danger.
4. method according to claim 1, it is characterised in that described from nearly associating with the guarantee fund
Insurance company's account in transfer for the right-safeguarding request indemnity to the buyer user's to be settled a claim
Account, including：
Whether buyer user to be settled a claim described in judging sends merchandise return request；
If sending, the prefreezing amount of money that the buyer user to be settled a claim determines is obtained, and according to the pre-freeze
The available guarantee fund danger remaining sum of the knot amount of money and the target seller user judges whether to pass through the guarantee fund
Danger is settled a claim, wherein, the available guarantee fund danger remaining sum of the target seller user is nearly closed for the guarantee fund
It is used for paying for the available Insured Balance of compensation for the target seller user first in insurance company's account of connection；
If can nearly be settled a claim by the guarantee fund, freeze the available guarantee of the target seller user
The prefreezing amount of money part in golden danger remaining sum, and the target seller is updated according to the prefreezing amount of money
The available guarantee fund danger remaining sum of user, it is determined that described after Claims Resolution buyer user completes to return goods, judges to be directed to
Whether the indemnity of the right-safeguarding request is less than or equal to the prefreezing amount of money；
If being less than or equal to the prefreezing amount of money, the compensation is shifted from the frozen prefreezing amount of money
The account of indemnity volume to the buyer user to be settled a claim, defrosting residue freeze the amount of money, and according to the compensation
Volume and the residue freeze the available guarantee fund danger remaining sum that the amount of money updates the target seller user, wherein, institute
State residue and freeze the difference that the amount of money is equal to the prefreezing amount of money and the indemnity；
If being not below or equal to the prefreezing amount of money, the available guarantee fund danger of the target seller user is judged
Whether remaining sum is more than or equal to the indemnity with the prefreezing amount of money sum；
If being more than or equal to the indemnity, by the frozen prefreezing amount of money and come from described
The supplementary amount of money of the available guarantee fund danger remaining sum of target seller user is transferred to the account of the buyer user to be settled a claim
Family, and the available guarantee fund danger remaining sum of the target seller user is updated according to the indemnity, wherein,
The supplementary amount of money is equal to the difference of the indemnity and the prefreezing amount of money.
5. method according to claim 4, it is characterised in that the method also includes：
In the case where buyer user to be settled a claim described in judging does not send merchandise return request, judge for the right-safeguarding
Whether the indemnity of request is less than or equal to the dangerous remaining sum of the available guarantee fund of the target seller user；
If it is, the indemnity is shifted from the guarantee fund nearly insurance company's account of association to described
The account of buyer user to be settled a claim, and the available guarantor of the target seller user is updated according to the indemnity
Card gold danger remaining sum.
6. the method according to claim 4 or 5, it is characterised in that the method also includes：
The prefreezing amount of money portion in the available guarantee fund danger remaining sum for freezing the target seller user
/ after, receive the cancellation right-safeguarding request for right-safeguarding request；
Judge whether to shift from the guarantee fund nearly insurance company's account of association the compensation to described
The account of buyer user to be settled a claim；
If it has not, the prefreezing amount of money that then thaws, and sold according to the prefreezing amount of money renewal target
The available guarantee fund danger remaining sum of family user.
7. a kind of online transaction is settled a claim processing meanss, it is characterised in that described device includes：
Right-safeguarding request receiving module, for receiving that buyer user to be settled a claim sends for target seller user's
Right-safeguarding is asked；
Guarantee fund danger judge module, in the case where default Claims Resolution condition is met, judging the target
Whether seller user has bought guarantee fund danger, wherein, the guarantee fund is nearly without available seller user's fund
In the case of paid for first the insurance of compensation by insurance company in advance；
First amount of money shift module, for the situation of the guarantee fund danger has been bought in the target seller user
Under, compensation of the transfer for right-safeguarding request from the insurance company's account nearly associated with the guarantee fund
The account of volume to the buyer user to be settled a claim.
8. device according to claim 7, it is characterised in that guarantee fund danger judge module includes：
Proof information receiving submodule, for receiving the buyer user to be settled a claim and the target seller user
The proof information for sending；
Responsible party's judging submodule, for according to the proof information for being received, judging rule according to default Claims Resolution
Then, judge whether the target seller user is responsible party；
Guarantee fund danger judging submodule, for the feelings for being yes in the judged result of responsible party's judging submodule
Under condition, judge whether the target seller user has bought guarantee fund danger.
9. device according to claim 7, it is characterised in that guarantee fund danger judge module is concrete
For in the case where default Claims Resolution condition is met, judge the target seller user identify whether belong to
Default seller's user profile list, if belonging to, judges that the target seller user has bought guarantee fund danger,
Wherein, default seller's user profile list is at least used for the seller that the guarantee fund danger has been bought in storage
The mark of user；
Or
It is corresponding online specifically in the case where default Claims Resolution condition is met, judging the right-safeguarding request
Whether nearly identify comprising guarantee fund in trading order form, if comprising judging that the target seller user buys
The guarantee fund danger.
10. device according to claim 7, it is characterised in that first amount of money shift module bag
Include：
Merchandise return request judging submodule, for the feelings of the guarantee fund danger have been bought in the target seller user
Under condition, judge whether the buyer user to be settled a claim sends merchandise return request；
Claims Resolution judging submodule, for obtaining the prefreezing amount of money that the buyer user to be settled a claim determines, and root
Judge whether to pass through according to the available guarantee fund danger remaining sum of the prefreezing amount of money and the target seller user
The guarantee fund is nearly settled a claim, wherein, available guarantee fund's danger remaining sum of the target seller user is described
It is used for paying for the available guarantor of compensation for the target seller user first in insurance company's account that guarantee fund nearly associates
Dangerous remaining sum；
First amount of money judging submodule, for the situation for being yes in the judged result of the Claims Resolution judging submodule
Under, freeze the prefreezing amount of money part in the available guarantee fund danger remaining sum of the target seller user, and
The available guarantee fund danger remaining sum of the target seller user is updated according to the prefreezing amount of money, it is determined that described
After Claims Resolution buyer user completes to return goods, judge whether be less than or equal to for the indemnity of right-safeguarding request
The prefreezing amount of money；
First amount of money shifts submodule, for the judged result in first amount of money judging submodule for yes
In the case of, the indemnity is shifted from the frozen prefreezing amount of money and is used to the buyer to be settled a claim
The account at family, defrosting residue freeze the amount of money, and freeze amount of money renewal according to the indemnity and the residue
The available guarantee fund danger remaining sum of the target seller user, wherein, the residue freezes the amount of money equal to described pre-
Freeze the difference of the amount of money and the indemnity；
Second amount of money judging submodule, for be no in the judged result of first amount of money judging submodule
In the case of, judge that the available guarantee fund danger remaining sum of the target seller user with the prefreezing amount of money sum is
It is no more than or equal to the indemnity；
Second amount of money shifts submodule, for the judged result in second amount of money judging submodule for yes
In the case of, by the frozen prefreezing amount of money and come from the available guarantee of the target seller user
The supplementary amount of money of golden danger remaining sum is transferred to the account of the buyer user to be settled a claim, and according to the indemnity
The available guarantee fund danger remaining sum of the target seller user is updated, wherein, the supplementary amount of money is equal to the compensation
The difference of indemnity volume and the prefreezing amount of money.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510679958.2A CN106600353A (en) | 2015-10-19 | 2015-10-19 | Online transaction settlement processing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510679958.2A CN106600353A (en) | 2015-10-19 | 2015-10-19 | Online transaction settlement processing method and device |
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| Publication Number | Publication Date |
|---|---|
| CN106600353A true CN106600353A (en) | 2017-04-26 |
Family
ID=58554915
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510679958.2A Pending CN106600353A (en) | 2015-10-19 | 2015-10-19 | Online transaction settlement processing method and device |
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| CN (1) | CN106600353A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108133425A (en) * | 2018-01-15 | 2018-06-08 | 深圳市飞泉金融服务有限公司 | Method, apparatus of settling a claim and computer readable storage medium |
| CN108805726A (en) * | 2018-05-31 | 2018-11-13 | 泰康保险集团股份有限公司 | Claim settling of insurance method, apparatus, medium and electronic equipment based on third-party platform |
| CN109727016A (en) * | 2018-12-17 | 2019-05-07 | 泰康保险集团股份有限公司 | Credit payment processing method, device, medium and electronic equipment |
| CN109949119A (en) * | 2018-06-06 | 2019-06-28 | 北京诚盾诚讯信息技术有限公司 | The support method and system of process of exchange |
| CN110175924A (en) * | 2019-04-10 | 2019-08-27 | 阿里巴巴集团控股有限公司 | A kind of risk network establishing method and device |
| CN110298644A (en) * | 2019-05-27 | 2019-10-01 | 阿里巴巴集团控股有限公司 | Account recovery method, apparatus, server and readable storage medium storing program for executing |
| CN110992192A (en) * | 2019-11-25 | 2020-04-10 | 泰康保险集团股份有限公司 | Disaster-stricken rescue method, device, equipment and computer-readable storage medium |
| CN111553711A (en) * | 2020-04-13 | 2020-08-18 | 携程计算机技术（上海）有限公司 | Method, system, electronic device and medium for configuring order claim scheme |
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2015
- 2015-10-19 CN CN201510679958.2A patent/CN106600353A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108133425A (en) * | 2018-01-15 | 2018-06-08 | 深圳市飞泉金融服务有限公司 | Method, apparatus of settling a claim and computer readable storage medium |
| CN108805726A (en) * | 2018-05-31 | 2018-11-13 | 泰康保险集团股份有限公司 | Claim settling of insurance method, apparatus, medium and electronic equipment based on third-party platform |
| CN108805726B (en) * | 2018-05-31 | 2021-12-31 | 泰康保险集团股份有限公司 | Insurance claim settlement method, device, medium and electronic equipment based on third-party platform |
| CN109949119A (en) * | 2018-06-06 | 2019-06-28 | 北京诚盾诚讯信息技术有限公司 | The support method and system of process of exchange |
| CN109727016A (en) * | 2018-12-17 | 2019-05-07 | 泰康保险集团股份有限公司 | Credit payment processing method, device, medium and electronic equipment |
| CN110175924A (en) * | 2019-04-10 | 2019-08-27 | 阿里巴巴集团控股有限公司 | A kind of risk network establishing method and device |
| CN110175924B (en) * | 2019-04-10 | 2023-01-20 | 创新先进技术有限公司 | Risk network construction method and device |
| CN110298644A (en) * | 2019-05-27 | 2019-10-01 | 阿里巴巴集团控股有限公司 | Account recovery method, apparatus, server and readable storage medium storing program for executing |
| CN110298644B (en) * | 2019-05-27 | 2023-11-14 | 创新先进技术有限公司 | Account additional money method, account additional money device, server and readable storage medium |
| CN110992192A (en) * | 2019-11-25 | 2020-04-10 | 泰康保险集团股份有限公司 | Disaster-stricken rescue method, device, equipment and computer-readable storage medium |
| CN110992192B (en) * | 2019-11-25 | 2023-03-21 | 泰康保险集团股份有限公司 | Disaster-stricken rescue method, device, equipment and computer-readable storage medium |
| CN111553711A (en) * | 2020-04-13 | 2020-08-18 | 携程计算机技术（上海）有限公司 | Method, system, electronic device and medium for configuring order claim scheme |
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