CN107809449B

CN107809449B - Transaction control method and device

Info

Publication number: CN107809449B
Application number: CN201610816181.4A
Authority: CN
Inventors: 陈谦
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2016-09-09
Filing date: 2016-09-09
Publication date: 2020-04-21
Anticipated expiration: 2036-09-09
Also published as: CN107809449A

Abstract

The invention discloses a transaction control method and device, and belongs to the technical field of computers and the Internet. The method comprises the following steps: after acquiring a transaction instruction corresponding to the article information issued by the first user account, the receiver client sends a transaction request to the background server, wherein the transaction request carries a second user account and the article information instruction information logged in the receiver client; the background server acquires the credibility reference values of the first user account and the second user account, wherein the credibility reference values are used for indicating the transaction credibility of the user accounts; and deciding whether to execute the transaction request according to the credibility reference value. The invention solves the problem that the safety of the transaction can not be ensured because the two transaction parties lack mutual understanding in the prior art; the transaction credibility of both transaction parties is considered, so that whether to execute the transaction request is determined, and the security of the transaction is improved.

Description

Transaction control method and device

Technical Field

The embodiment of the invention relates to the technical field of computers and internet, in particular to a transaction control method and device.

Background

With the development of internet technology, various forms of network transactions, such as network shopping, exchange of things, etc., have appeared.

In the prior art, after acquiring the article information issued by the article issuing party, the network transaction platform sends the article information to the receiving party client, the receiving party client receives and displays the article information, and a user can select and confirm whether to perform transaction according to the article information.

The safety of the transaction cannot be guaranteed due to the fact that the two parties of the transaction lack of mutual understanding.

Disclosure of Invention

In order to solve the problem that in the prior art, due to the fact that two transaction parties lack of mutual understanding, the security of a transaction cannot be guaranteed, the embodiment of the invention provides a transaction control method and a transaction control device. The technical scheme is as follows:

in a first aspect, a transaction control method is provided, which is applied to an exchange application, and the method includes:

the receiving party client displays a plurality of item information, the plurality of item information including at least one of: information of at least one article to be exchanged, and information of at least one article to be exchanged; after a transaction instruction corresponding to the article information issued by the first user account is acquired, a transaction request is sent to a background server, wherein the transaction request carries a second user account logged in to the receiver client and the instruction information of the article information;

the background server determines the first user account for issuing the article information according to the indication information of the article information; acquiring a credibility reference value of the first user account and a credibility reference value of the second user account, wherein the credibility reference value is used for indicating the transaction credibility of the user account, the credibility reference value is determined by taking a credit score of the user account as a basic score and combining a correction score obtained by calculation according to reference information of the user account, the credit score is determined according to characteristic information of the user, and the characteristic information of the user refers to personal information capable of reflecting the credit condition of the user, and comprises at least one of the following items: the system comprises social information, financial information, behavior information and identity information, wherein the reference information comprises historical transaction behavior data of the user account and article information published by the user account; deciding whether to execute the transaction request according to the reliability reference value of the first user account and the reliability reference value of the second user account;

the receiving party client acquires evaluation information corresponding to the first user account after the transaction is completed; sending evaluation information corresponding to the first user account to the background server;

and the background server calculates an update score according to the evaluation information corresponding to the first user account, and updates the credibility reference value of the first user account according to the update score.

In a second aspect, a transaction control method is provided, which is applied to an exchange application, and the method includes:

receiving a transaction request corresponding to article information sent by a second user account, wherein the article information is issued by a first user account;

acquiring a reliability reference value of the first user account and a reliability reference value of the second user account; the credibility reference value is determined by taking a credit score of the user account as a basic score and combining a corrected score obtained by calculation according to reference information of the user account, the credit score is determined according to characteristic information of the user, and the characteristic information of the user refers to personal information capable of reflecting the credit condition of the user and comprises at least one of the following items: the system comprises social information, financial information, behavior information and identity information, wherein the reference information comprises historical transaction behavior data of the user account and article information published by the user account;

deciding whether to execute the transaction request according to the reliability reference value of the first user account and the reliability reference value of the second user account;

after the transaction is completed, receiving evaluation information which is sent by the second user account and corresponds to the first user account; and updating the credibility reference value of the first user account according to the evaluation information corresponding to the first user account.

In a third aspect, a transaction control method is provided, which is applied to an exchange application of things, and the method includes:

displaying a plurality of item information, the plurality of item information including at least one of: information of at least one article to be exchanged, and information of at least one article to be exchanged;

obtaining a transaction indication corresponding to the item information issued by the first user account;

after the transaction instruction is obtained, a transaction request is sent to a background server, wherein the transaction request carries a second user account number logged in by the local terminal and the instruction identification of the article information; so that the background server decides whether to execute the transaction request according to the reliability reference value of the second user account and the reliability reference value of the first user account; the credibility reference value is determined by taking a credit score of the user account as a basic score and combining a corrected score obtained by calculation according to reference information of the user account, the credit score is determined according to characteristic information of the user, and the characteristic information of the user refers to personal information capable of reflecting the credit condition of the user and comprises at least one of the following items: the system comprises social information, financial information, behavior information and identity information, wherein the reference information comprises historical transaction behavior data of the user account and article information published by the user account;

after the transaction is completed, acquiring evaluation information corresponding to the first user account;

sending evaluation information corresponding to the first user account to the background server; and the background server updates the credibility reference value of the first user account according to the evaluation information corresponding to the first user account.

In a fourth aspect, there is provided a transaction control device, the device comprising:

the transaction request receiving module is used for receiving a transaction request which is sent by a second user account and corresponds to article information, and the article information is issued by a first user account;

the credibility acquiring module is used for acquiring a credibility reference value of the first user account and a credibility reference value of the second user account; the credibility reference value is determined by taking a credit score of the user account as a basic score and combining a corrected score obtained by calculation according to reference information of the user account, the credit score is determined according to characteristic information of the user, and the characteristic information of the user refers to personal information capable of reflecting the credit condition of the user and comprises at least one of the following items: the system comprises social information, financial information, behavior information and identity information, wherein the reference information comprises historical transaction behavior data of the user account and article information published by the user account;

the execution decision module is used for deciding whether to execute the transaction request according to the reliability reference value of the first user account and the reliability reference value of the second user account;

the credibility updating module is used for receiving evaluation information which is sent by the second user account and corresponds to the first user account after the transaction is completed; and updating the credibility reference value of the first user account according to the evaluation information corresponding to the first user account.

In a fifth aspect, there is provided a transaction control device, the device comprising:

an information display module for displaying a plurality of item information, the plurality of item information including at least one of: information of at least one article to be exchanged, and information of at least one article to be exchanged;

the instruction acquisition module is used for acquiring a transaction instruction corresponding to the article information issued by the first user account;

the transaction request sending module is used for sending a transaction request to a background server after the transaction instruction is obtained, wherein the transaction request carries a second user account number logged in by the local terminal and the instruction identifier of the article information; so that the background server decides whether to execute the transaction request according to the reliability reference value of the second user account and the reliability reference value of the first user account; the credibility reference value is determined by taking a credit score of the user account as a basic score and combining a corrected score obtained by calculation according to reference information of the user account, the credit score is determined according to characteristic information of the user, and the characteristic information of the user refers to personal information capable of reflecting the credit condition of the user and comprises at least one of the following items: the system comprises social information, financial information, behavior information and identity information, wherein the reference information comprises historical transaction behavior data of the user account and article information published by the user account;

the evaluation acquisition module is used for acquiring evaluation information corresponding to the first user account after the transaction is completed;

the evaluation sending module is used for sending evaluation information corresponding to the first user account to the background server; and the background server updates the credibility reference value of the first user account according to the evaluation information corresponding to the first user account.

In a sixth aspect, there is provided a computer readable storage medium having stored thereon a computer program for execution by a processor to implement the method of the second aspect or to implement the method of the third aspect.

The technical scheme provided by the embodiment of the invention has the following beneficial effects:

after receiving a transaction request sent by a receiver client, a background server acquires a reliability reference value of a first user account and a reliability reference value of a second user account, and decides whether to execute the transaction request according to the reliability reference values of both transaction parties; the problem that in the prior art, due to the fact that two transaction parties lack of mutual understanding, the security of the transaction cannot be guaranteed is solved; the transaction credibility of both transaction parties is considered, so that whether to execute the transaction request is determined, and the security of the transaction is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a schematic illustration of an implementation environment provided by one embodiment of the invention;

FIG. 2 is a flow chart of a transaction control method provided by one embodiment of the present invention;

FIG. 3 is a flow chart of a transaction control method according to another embodiment of the invention;

FIG. 4 is a block diagram of a transaction control device provided in one embodiment of the present invention;

FIG. 5 is a block diagram of a transaction control device according to another embodiment of the present invention;

fig. 6 is a schematic structural diagram of a terminal according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a server according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Before describing the embodiments of the present invention in detail, some concepts involved in the embodiments of the present invention are first explained as follows:

1. credit scoring

The credit score is used for indicating the credit status of a user account (i.e. a user corresponding to the user account), and refers to a rating score for characterizing the credit status of the user. For example, the credit score is in a positive correlation with the credit status of the user, wherein a higher credit score indicates a better credit status of the user, and a lower credit score indicates a worse credit status of the user. In the embodiment of the present invention, the scoring manner of the credit score is not limited, and may be, for example, a percentage system, a ten-degree system, or a normalization manner.

The credit score may be determined based on the user's profile information. The characteristic information of the user is personal information that can reflect the credit status of the user. For example, the characteristic information includes, but is not limited to, at least one of: social information, financial information, behavioral information, identity information. The social information refers to information related to the social situation of the user, such as a social circle to which the user belongs, information published in a social application, basic materials in the social application, and the like. The social information may be obtained from a social application platform. The financial information refers to information related to the economic condition of the user, such as bank loan data, bank card consumption records, online shopping information, online payment information and the like. The financial information may be obtained from banks, online shopping application platforms, payment platforms, and the like. The behavior information refers to information related to the personal behavior of the user, such as online behavior data, offline behavior data, and the like. Identity information refers to information related to the personal identity of a user, such as age, gender, school calendar, work, and the like. Of course, the above feature information is only exemplary, and in practical applications, other personal information capable of reflecting the credit status of the user may be selected as the feature information.

2. Confidence reference value

The confidence reference value is used to indicate the transaction confidence level of the user account number (i.e., the user corresponding to the user account number). For example, the credibility reference value has a positive correlation with the transaction credibility of the user account, a higher credibility reference value indicates a higher transaction credibility of the user account, and a lower credibility reference value indicates a lower transaction credibility of the user account. In the embodiment of the present invention, the scoring manner of the credibility reference value is not limited, and may be, for example, a percentage system, a tenth system, a normalization manner, or the like.

The confidence reference may be determined from the credit score. In one example, a confidence reference value is determined in conjunction with the credit score and the reference information. Wherein the reference information includes, but is not limited to, at least one of: historical transaction behavior data of the user account and article information issued by the user account. The historical transaction behavior data refers to the historical transaction behavior data of the user account in the transaction platform related to the technical scheme provided by the embodiment of the invention. The item information refers to information of an item to be traded, and includes, but is not limited to, any one of the following items: the information of the articles required to be exchanged, the information of the articles required to be sold and the information of the articles required to be purchased. In the embodiment of the present invention, the kind of the article is not limited. The article may be a physical article or a virtual article.

Referring to fig. 1, a schematic diagram of an implementation environment provided by an embodiment of the invention is shown. The implementation environment includes: a publisher terminal 110, a backend server 120, and a recipient terminal 130.

The publisher terminal 110 may be an electronic device such as a mobile phone, a tablet Computer, a Personal Digital Assistant (PDA), a Personal Computer (PC), and the like. The publisher terminal 110 is installed with a publisher client, which is a client application having an article transaction function on the publisher client side according to an embodiment of the present invention. For example, the application may be a commodity exchange application, a web shopping application, a life service application, and the like.

The background server 120 establishes communication connections with the publisher terminal 110 and the receiver terminal 130 through networks respectively. For example, the network may be a wireless network or a wired network. The background server 120 may be one server, a server cluster composed of a plurality of servers, or a cloud computing service center.

The receiving terminal 130 may be an electronic device such as a mobile phone, a tablet computer, a PDA, a PC, or the like. The receiver terminal 130 has a receiver client installed therein, and the receiver client is a client application having an article transaction function on the receiver client side according to the embodiment of the present invention. For example, the application may be a commodity exchange application, a web shopping application, a life service application, and the like.

In practical applications, the publisher client and the recipient client may be two different clients, wherein one client has the function of the publisher client side and the other client has the function of the recipient client side. Alternatively, the delivery client and the recipient client may be two identical clients, and the clients may have both the functions of the delivery client and the functions of the recipient client.

Referring to fig. 2, a flowchart of a transaction control method according to an embodiment of the invention is shown. The method may be applied in the implementation environment shown in fig. 1. The method may include the following steps.

In step 201, after acquiring a transaction instruction corresponding to the article information issued by the first user account, the receiver client sends a transaction request to the background server, where the transaction request carries the second user account and the article information instruction information logged in the receiver client.

Correspondingly, the background server receives the transaction request sent by the client of the receiving party.

Step 202, the background server determines a first user account for issuing the item information according to the indication information of the item information.

In step 203, the background server obtains a reliability reference value of the first user account and a reliability reference value of the second user account, where the reliability reference value is used to indicate the transaction credibility of the user account.

And step 204, the background server decides whether to execute the transaction request according to the reliability reference value of the first user account and the reliability reference value of the second user account.

In summary, in the method provided in this embodiment, after receiving a transaction request sent by a receiver client, a background server obtains a reliability reference value of a first user account and a reliability reference value of a second user account, and decides whether to execute the transaction request according to the reliability reference values of both transaction parties; the problem that in the prior art, due to the fact that two transaction parties lack of mutual understanding, the security of the transaction cannot be guaranteed is solved; the transaction credibility of both transaction parties is considered, so that whether to execute the transaction request is determined, and the security of the transaction is improved.

Referring to fig. 3, a flowchart of a transaction control method according to another embodiment of the invention is shown. The method may be applied in the implementation environment shown in fig. 1. The method may include the following steps.

Step 301, a publisher client acquires information of an article to be published of a first user account.

The first user account is a user account that is logged into the publisher client. In one example, when a user needs to publish item information, the publisher client displays a basic information form in which the user fills in the item information to be published. Correspondingly, the publisher client acquires the information of the to-be-published item filled in the basic information form by the first user account.

In the embodiment of the present invention, the item information refers to information of an item to be traded, including but not limited to any one of the following items: the information of the articles required to be exchanged, the information of the articles required to be sold and the information of the articles required to be purchased. For example, when the publisher client is a client of the commodity exchange application, the commodity information may be information of commodities required to be exchanged, or information of commodities required to be exchanged. The information of the article to be exchanged may include: the name, category, description, photograph, recency, etc. of the item to be exchanged; the information of the items to be exchanged may include: the name, category, description, desired recency, etc. of the item to be exchanged. For example, when the publisher client is a client of a shopping application, the article information may be information of an article to be sold or information of an article to be purchased. The information of the article to be sold may include: the name, category, description, photograph, price, recency, etc. of the item desired to be sold; the information on the items to be purchased may include: the name, category, description, expected price, expected recency, etc. of the item desired to be purchased.

Step 302, the publisher client sends an item publishing request to the backend server.

The item publishing request comprises a first user account and item information which are logged in to the publisher client.

Correspondingly, the background server receives an article publishing request sent by the publisher client.

Optionally, before sending the item publishing request to the background server, the publisher client may further perform the following steps: acquiring user identity information bound with a first user account; verifying the user identity information; if the user identity information passes the verification, executing step 302; otherwise, if the user identity information is not verified, the process is ended. The user identity information refers to information for reflecting the true identity of the user, and includes but is not limited to at least one of the following: mobile phone number, ID card number, bank card information. By the mode, the credibility of the successfully issued article information is improved.

Step 303, the background server obtains the credit score of the first user account.

The credit score of the first user account number is used to indicate the credit status of the first user account number. For a description of the credit score, see above, it is not described here.

In one example, the background server obtains the credit score of the first user account from the credit score library according to the first user account or the user identity information bound with the first user account. The credit score base stores credit scores of all users in advance.

In another example, a background server acquires characteristic information of a first user account; and calculating the credit score of the first user account according to the characteristic information of the first user account. The characteristic information includes, but is not limited to, at least one of: social information, financial information, behavioral information, identity information. The above description of the characteristic information can be referred to above, and is not repeated herein. In practical applications, a Machine Learning (ML) algorithm may be used to construct the credit score calculation model. The input parameter of the credit score calculation model is the characteristic information of the user account, and the output result is the credit score of the user account. In the embodiment of the present invention, the specific type of the machine learning algorithm is not limited, and for example, a regression decision tree algorithm, a logistic regression algorithm, a random forest algorithm, a neural network algorithm, a deep learning algorithm, and the like may be used. And training the credit score calculation model through a certain number of training samples, and then predicting the corresponding credit score according to the characteristic information of the user account by adopting the trained model.

Step 304, the background server determines the reference value of the credibility of the first user account according to the credit score of the first user account.

The trustworthiness reference value of the first user account number is used to indicate the transaction trustworthiness of the first user account number. For the description of the reliability reference value, reference is made to the above description and will not be repeated here.

In one example, the background server determines a credibility reference value of the first user account according to the credit score and the reference information of the first user account. Wherein the reference information comprises at least one of: historical transaction behavior data of the first user account, and the article information issued by the first user account. For example, the background server uses the credit score of the first user account as the basic score of the credibility reference value, calculates the corrected score of the credibility reference value according to the reference information, and then calculates the credibility reference value according to the basic score and the corrected score. In practical application, a machine learning algorithm can be adopted to construct a modified score calculation model. And the input parameter of the corrected score calculation model is the reference information of the user account, and the output result is the corrected score. In the embodiment of the present invention, the specific type of the machine learning algorithm is not limited. And training the correction score calculation model through a certain number of training samples, and then predicting the corresponding correction score according to the reference information of the user account by adopting the trained model. Illustratively, the background server adds the basic score and the corrected score to obtain a credibility reference value. By the method, the credibility reference value is calculated by combining the credit score and the reference information, so that the credibility reference value can be adjusted along with the historical transaction behaviors of the user and/or the item information issued by the user, and the credibility of the item information currently issued by the user is more accurately reflected.

Step 305, the background server sends the item information and the reference value of the credibility of the first user account to the receiver client.

Correspondingly, the receiving party client receives the item information and the reference value of the credibility of the first user account sent by the background server.

And step 306, the receiving party client displays the item information according to the credibility reference value of the first user account.

In one example, the recipient client displays the trustworthiness reference for the first user account while displaying the item information published by the first user account. Through the method, the user can know the transaction credibility of the publisher of the article information.

In another example, the receiver client determines a sorting position of the item information according to the reliability reference value of the first user account, wherein the priority of the sorting position is in positive correlation with the reliability reference value; and displaying the article information according to the sequencing position of the article information. For example, the receiving-side client displays the item information in the order of the credibility reference value from high to low.

In yet another example, the receiving client detects whether the reference value of the credibility of the first user account is greater than a preset value; if the reliability reference value of the first user account is larger than a preset numerical value, displaying the article information issued by the first user account; otherwise, if the reference value of the credibility of the first user account is smaller than the preset numerical value, the article information issued by the first user account is not displayed.

Optionally, the recipient client supports a category display function and/or a search display function. The classification display function is to distinguish article information of different categories and display the article information of the category selected by the user. The search display function is to display the item information related to a keyword input by a user, based on the keyword.

In step 307, the recipient client obtains a transaction indication corresponding to the item information issued by the first user account.

When the user browses the item information issued by the first user account and decides to transact with the issuing party of the item information, a transaction instruction corresponding to the item information can be triggered. Accordingly, the recipient client obtains the transaction indication.

In step 308, after acquiring the transaction instruction, the receiving-side client sends a transaction request to the background server.

The transaction request carries indication information of a second user account and article information which are logged in the client of the receiving party. The indication information of the item information may be generated by the backend server and transmitted to the receiving client together with the item information in step 305. The indication information of the article information is used for uniquely identifying the article information, and the indication information corresponding to different article information is different.

Step 309, the background server determines the first user account for issuing the item information according to the indication information of the item information.

The background server stores the corresponding relation among the article information issued by the first user account, the first user account and the indication information of the article information. And after receiving the transaction request, the background server inquires the corresponding relation and acquires a first user account corresponding to the indication information of the article information.

In step 310, the background server obtains a reference value of the credibility of the first user account and a reference value of the credibility of the second user account.

The credibility reference value of the second user account number is used for indicating the transaction credibility of the second user account number. The reference value of the credibility of the second user account can be determined by the background server according to the credit score of the second user account. The credit score of the second user account number is used to indicate the credit status of the second user account number. In one example, the background server determines a reference value of the credibility of the second user account according to the credit score of the second user account and the historical transaction behavior data of the second user account. Of course, if the background server has the reference value of the credibility of the second user account stored therein, the background server can directly obtain the reference value.

The reference value of the trustworthiness of the first user account is the reference value of the trustworthiness determined by the background server in step 304.

In step 311, the background server decides whether to execute the transaction request according to the reference value of the credibility of the first user account and the reference value of the credibility of the second user account.

Unlike the prior art, in the prior art, if a demand side issues a transaction request, the background server does not control whether the transaction request is executed or not, but directly executes the transaction request. In the embodiment of the invention, whether the transaction request is executed or not is controlled by the background server. Specifically, the background server decides whether to execute the transaction request according to the credibility reference values of the two transaction parties.

In one example, this step includes several substeps as follows: if the reliability reference value of the first user account and the reliability reference value of the second user account are both greater than a preset threshold value, the background server determines to execute the transaction request; and if the reliability reference value of the first user account and/or the reliability reference value of the second user account is smaller than a preset threshold value, the background server determines not to execute the transaction request. If the reliability reference values of both transaction parties are greater than the preset threshold, the transaction credibility of both transaction parties is higher, the security risk existing in the transaction is lower, and the transaction request is allowed to be executed. If the reliability reference value of at least one of the two transaction parties is smaller than the preset threshold, the situation that the transaction credibility of at least one of the two transaction parties is low and the transaction may have high security risk is indicated, and in order to improve the transaction security and guarantee the benefits of the two transaction parties, the transaction request is not allowed to be executed.

In actual implementation, the preset threshold set for both parties to the transaction may be the same or different.

Optionally, the embodiment further provides an update mechanism of the reliability reference value, and the method provided by the embodiment further includes steps 312-.

In step 312, the receiver client obtains the evaluation information corresponding to the first user account after the transaction is completed.

The evaluation information corresponding to the first user account is the evaluation information made by the user corresponding to the second user account according to the transaction result. For example, the rating information corresponding to the first user account may include: the matching degree of the items exchanged/sold by the first user account and the description, the evaluation of the items exchanged/sold by the first user account, the evaluation of the attitude and/or behavior of the user corresponding to the first user account in the transaction process, and the like.

Step 313, the receiver client sends evaluation information corresponding to the first user account to the background server.

Correspondingly, the background server receives evaluation information corresponding to the first user account sent by the receiver client.

In step 314, the background server updates the reference value of the credibility of the first user account according to the evaluation information corresponding to the first user account.

The principle of updating the credibility reference value according to the evaluation information corresponding to the user account is as follows: the better the evaluation indicated by the evaluation information is, the higher the reliability reference value is; conversely, the worse the evaluation indicated by the evaluation information, the less the confidence reference value.

In practical application, a machine learning algorithm can be adopted to construct an updated score calculation model of the credibility reference value. And the input parameters of the updated score calculation model are evaluation information corresponding to the user account, and the output result is the updated score of the credibility reference value. In the embodiment of the present invention, the specific type of the machine learning algorithm is not limited. And training the update score calculation model through a certain number of training samples, and then predicting the corresponding update score according to the evaluation information corresponding to the user account by adopting the trained model. Illustratively, the background server adds the pre-update reliability reference value and the update score to obtain an updated reliability reference value.

Step 315, the publisher client acquires the evaluation information corresponding to the second user account after the transaction is completed.

The evaluation information corresponding to the second user account is the evaluation information made by the user corresponding to the first user account according to the transaction result. For example, the rating information corresponding to the second user account may include: the matching degree of the object exchanged/sold by the second user account and the description, the evaluation of the object exchanged/sold by the second user account, the evaluation of the attitude and/or behavior of the user corresponding to the second user account in the transaction process, and the like.

In step 316, the publisher client sends evaluation information corresponding to the second user account to the backend server.

Correspondingly, the background server receives evaluation information corresponding to the second user account sent by the publisher client.

Step 317, the background server updates the reference value of the credibility of the second user account according to the evaluation information corresponding to the second user account.

Through the updating mechanism of the credibility reference value, the credibility reference value of the user account is updated in real time along with the transaction behavior of the user, so that the accuracy of the credibility reference value is ensured, and the reference value is improved.

Optionally, the embodiment further provides a transaction suppression mechanism, and the method provided by the embodiment further includes steps 318-.

Step 318, the background server obtains the transaction frequency of the first user account.

The transaction frequency of the user account refers to the transaction times of the user account in unit time.

In step 319, if the transaction frequency of the first user account is greater than the preset threshold, the background server executes a transaction suppression operation corresponding to the first user account.

The transaction suppression operation refers to a control operation for suppressing a successful transaction. For example, the transaction suppression operation may include: lower confidence reference, limit transactions, etc.

In step 320, the background server obtains the transaction frequency of the second user account.

In step 321, if the transaction frequency of the second user account is greater than the preset threshold, the background server executes a transaction suppression operation corresponding to the second user account.

Through the transaction inhibition mechanism, the bill swiping behavior can be effectively prevented, and a good transaction order is maintained.

In addition, a credibility reference value is calculated by combining the credit score and the reference information, so that the credibility reference value can be adjusted along with the historical transaction behaviors of the user and/or the item information issued by the user, and the credibility of the item information currently issued by the user is more accurately reflected.

In addition, the item information issued by the receiving-side client is displayed according to the credibility reference value of the first user account through the receiving-side client, for example, the receiving-side client displays each item information according to the sequence of the credibility reference values from high to low, so that the user can preferably select the item information by taking the credibility reference value of the issuing side as a reference when browsing the item information.

It should be noted that, in the above embodiments, the step related to the publisher client may be implemented separately as a transaction control method on the publisher client side, the step related to the receiver client may be implemented separately as a transaction control method on the receiver client side, and the step related to the backend server may be implemented separately as a transaction control method on the backend server side.

The following are embodiments of the apparatus of the present invention that may be used to perform embodiments of the method of the present invention. For details which are not disclosed in the embodiments of the apparatus of the present invention, reference is made to the embodiments of the method of the present invention.

Referring to fig. 4, a block diagram of a transaction control device according to an embodiment of the invention is shown. The device has the function of realizing the background server side in the method example, and the function can be realized by hardware or by hardware executing corresponding software. The apparatus may include: a transaction request receiving module 410, a credibility obtaining module 420, and an execution decision module 430.

A transaction request receiving module 410, configured to receive a transaction request corresponding to the item information sent by the second user account.

And a credibility obtaining module 420, configured to perform step 203 or step 310.

And an execution decision module 430, configured to execute the step 204 or the step 311.

Optionally, the apparatus further comprises: the system comprises a release request receiving module, a score obtaining module, a credibility determining module and an information sending module.

And the release request receiving module is used for receiving the article release request sent by the client of the release party.

A score obtaining module, configured to perform step 303.

A confidence level determination module, configured to perform step 304.

And an information sending module, configured to execute the step 305.

Optionally, the credibility determining module is configured to determine a credibility reference value of the first user account according to the credit score and the reference information of the first user account.

Optionally, the execution decision module is configured to: if the reliability reference value of the first user account and the reliability reference value of the second user account are both larger than a preset threshold value, determining to execute the transaction request; and if the reliability reference value of the first user account and/or the reliability reference value of the second user account is smaller than a preset threshold value, determining not to execute the transaction request.

Optionally, the apparatus further comprises: and a credibility updating module. A trustworthiness update module to: after the transaction is completed, receiving evaluation information corresponding to the first user account sent by the second user account, and performing the above step 314; and/or, after the transaction is completed, receiving the evaluation information corresponding to the second user account sent by the first user account, and performing the above step 317.

Optionally, the apparatus further comprises: a transaction suppression module to: step 318-; and/or performing step 320-321.

Reference may be made in detail to the method embodiments illustrated in fig. 2 or 3.

Referring to fig. 5, a block diagram of a transaction control device according to another embodiment of the invention is shown. The device has the function of implementing the receiver client side in the above method example, and the function may be implemented by hardware, or may be implemented by hardware executing corresponding software. The apparatus may include: an indication acquisition module 510 and a transaction request sending module 520.

An indication obtaining module 510, configured to perform the step 307.

A transaction request sending module 520, configured to execute the step 308.

Optionally, the apparatus further comprises: the device comprises an information receiving module and an information display module.

And the information receiving module is used for receiving the article information sent by the background server and the credibility reference value of the first user account.

And an information display module for executing the step 306.

Optionally, the information display module is configured to: determining the sorting position of the article information according to the credibility reference value of the first user account; the priority of the sequencing position is in positive correlation with the reliability reference value; and displaying the article information according to the sequencing position of the article information.

Optionally, the apparatus further comprises: the device comprises an evaluation acquisition module and an evaluation sending module.

And an evaluation acquisition module, configured to execute step 312.

And an evaluation sending module, configured to execute step 313.

It should be noted that: in the above embodiment, when the device implements the functions thereof, only the division of the functional modules is illustrated, and in practical applications, the functions may be distributed by different functional modules according to needs, that is, the internal structure of the device may be divided into different functional modules to implement all or part of the functions described above. In addition, the apparatus and method embodiments provided by the above embodiments belong to the same concept, and specific implementation processes thereof are described in the method embodiments for details, which are not described herein again.

Referring to fig. 6, a schematic structural diagram of a terminal according to an embodiment of the present invention is shown. The terminal is used for implementing the client-side transaction control method provided in the above embodiments. Specifically, the method comprises the following steps:

the terminal 600 may include RF (Radio Frequency) circuitry 610, memory 620 including one or more computer-readable storage media, an input unit 630, a display unit 640, a sensor 650, audio circuitry 660, a WiFi (wireless fidelity) module 670, a processor 680 including one or more processing cores, and a power supply 690. Those skilled in the art will appreciate that the terminal structure shown in fig. 6 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components. Wherein:

the RF circuit 610 may be used for receiving and transmitting signals during information transmission and reception or during a call, and in particular, for receiving downlink information from a base station and then processing the received downlink information by the one or more processors 680; in addition, data relating to uplink is transmitted to the base station. In general, RF circuitry 610 includes, but is not limited to, an antenna, at least one Amplifier, a tuner, one or more oscillators, a Subscriber Identity Module (SIM) card, a transceiver, a coupler, an LNA (Low Noise Amplifier), a duplexer, and the like. In addition, the RF circuitry 610 may also communicate with networks and other devices via wireless communications. The wireless communication may use any communication standard or protocol, including but not limited to GSM (Global System for Mobile communications), GPRS (General Packet Radio Service), CDMA (Code Division Multiple Access), WCDMA (Wideband Code Division Multiple Access), LTE (Long Term Evolution), e-mail, SMS (short messaging Service), etc.

The memory 620 may be used to store software programs and modules, and the processor 680 may execute various functional applications and data processing by operating the software programs and modules stored in the memory 620. The memory 620 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the terminal 600, and the like. Further, the memory 620 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 620 may also include a memory controller to provide the processor 680 and the input unit 630 access to the memory 620.

The input unit 630 may be used to receive input numeric or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control. Specifically, the input unit 630 may include an image input device 631 and other input devices 632. The image input device 631 may be a camera or a photo scanning device. The input unit 630 may include other input devices 632 in addition to the image input device 631. In particular, other input devices 632 may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like.

The display unit 640 may be used to display information input by or provided to a user and various graphical user interfaces of the terminal 600, which may be made up of graphics, text, icons, video, and any combination thereof. The Display unit 640 may include a Display panel 641, and optionally, the Display panel 641 may be configured in the form of an LCD (Liquid Crystal Display), an OLED (Organic Light-Emitting Diode), or the like.

The terminal 600 may also include at least one sensor 650, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor may include an ambient light sensor that may adjust the brightness of the display panel 641 according to the brightness of ambient light, and a proximity sensor that may turn off the display panel 641 and/or the backlight when the terminal 600 is moved to the ear. As one of the motion sensors, the gravity acceleration sensor can detect the magnitude of acceleration in each direction (generally, three axes), can detect the magnitude and direction of gravity when the mobile phone is stationary, and can be used for applications of recognizing the posture of the mobile phone (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer and tapping), and the like; as for other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which can be configured in the terminal 600, detailed descriptions thereof are omitted.

Audio circuit 660, speaker 661, and microphone 662 can provide an audio interface between a user and terminal 600. The audio circuit 660 may transmit the electrical signal converted from the received audio data to the speaker 661, and convert the electrical signal into an audio signal through the speaker 661 for output; on the other hand, the microphone 662 converts the collected sound signal into an electrical signal, which is received by the audio circuit 660 and converted into audio data, which is then processed by the audio data output processor 680 and then passed through the RF circuit 610 to be transmitted to, for example, another terminal, or output to the memory 620 for further processing. The audio circuit 660 may also include an earbud jack to provide communication of a peripheral headset with the terminal 600.

WiFi belongs to short-distance wireless transmission technology, and the terminal 600 can help the user send and receive e-mails, browse web pages, access streaming media, etc. through the WiFi module 670, and it provides wireless broadband internet access for the user. Although fig. 6 shows the WiFi module 670, it is understood that it does not belong to the essential constitution of the terminal 600, and can be omitted entirely as needed within the scope not changing the essence of the invention.

The processor 680 is a control center of the terminal 600, connects various parts of the entire handset using various interfaces and lines, and performs various functions of the terminal 600 and processes data by operating or executing software programs and/or modules stored in the memory 620 and calling data stored in the memory 620, thereby integrally monitoring the handset. Optionally, processor 680 may include one or more processing cores; preferably, the processor 680 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into processor 680.

The terminal 600 also includes a power supply 690 (e.g., a battery) for powering the various components, which may be logically coupled to the processor 680 via a power management system to manage charging, discharging, and power consumption via the power management system. The power supply 690 may also include any component including one or more dc or ac power sources, recharging systems, power failure detection circuitry, power converters or inverters, power status indicators, and the like.

Although not shown, the terminal 600 may further include a bluetooth module or the like, which will not be described in detail herein.

In this embodiment, the terminal 600 further includes a memory and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors. The one or more programs contain instructions for performing the various steps on the client side in the above method examples.

Referring to fig. 7, a schematic structural diagram of a server according to an embodiment of the present invention is shown. The server is used for implementing the transaction control method on the background server side provided in the above embodiment. Specifically, the method comprises the following steps:

the server 700 includes a Central Processing Unit (CPU)701, a system memory 704 including a Random Access Memory (RAM)702 and a Read Only Memory (ROM)703, and a system bus 705 connecting the system memory 704 and the central processing unit 701. The server 700 also includes a basic input/output system (I/O system) 706, which facilitates transfer of information between devices within the computer, and a mass storage device 707 for storing an operating system 713, application programs 714, and other program modules 715.

The basic input/output system 706 comprises a display 708 for displaying information and an input device 709, such as a mouse, keyboard, etc., for a user to input information. Wherein the display 708 and input device 709 are connected to the central processing unit 701 through an input output controller 710 coupled to the system bus 705. The basic input/output system 706 may also include an input/output controller 710 for receiving and processing input from a number of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, input-output controller 710 may also provide output to a display screen, a printer, or other type of output device.

The mass storage device 707 is connected to the central processing unit 701 through a mass storage controller (not shown) connected to the system bus 705. The mass storage device 707 and its associated computer-readable media provide non-volatile storage for the server 700. That is, the mass storage device 707 may include a computer-readable medium (not shown), such as a hard disk or CD-ROM drive.

Without loss of generality, the computer-readable media may comprise computer storage media and communication media. Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Computer storage media includes RAM, ROM, EPROM, EEPROM, flash memory or other solid state memory technology, CD-ROM, DVD, or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices. Of course, those skilled in the art will appreciate that the computer storage media is not limited to the foregoing. The system memory 704 and mass storage device 707 described above may be collectively referred to as memory.

The server 700 may also operate as a remote computer connected to a network via a network, such as the internet, according to various embodiments of the invention. That is, the server 700 may be connected to the network 712 through a network interface unit 711 connected to the system bus 705, or may be connected to other types of networks or remote computer systems (not shown) using the network interface unit 711.

The memory also includes one or more programs stored in the memory and configured to be executed by one or more processors. The one or more programs include instructions for performing the various steps on the backend server side in the above-described method examples.

It should be understood that reference to "a plurality" herein means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.

Claims

1. A transaction control method for use in an exchange application, the method comprising:

2. The method of claim 1, wherein before the receiving client sends the transaction request to the backend server, further comprising:

the background server receives an article issuing request sent by an issuer client, wherein the article issuing request comprises the first user account and the article information logged in the issuer client; acquiring a credit score of the first user account, wherein the credit score of the first user account is used for indicating the credit condition of the first user account; determining a credibility reference value of the first user account according to the credit score of the first user account; sending the item information and the reference value of the credibility of the first user account to the client of the receiving party;

and the receiver client displays the item information according to the credibility reference value of the first user account.

3. The method of claim 2, wherein the background server determining the reference value for the trustworthiness of the first user account based on the credit score of the first user account comprises:

the background server determines a credibility reference value of the first user account according to the credit score of the first user account and the reference information of the first user account;

wherein the reference information of the first user account includes at least one of: historical transaction behavior data of the first user account and article information issued by the first user account.

4. The method of claim 2, wherein displaying the item information by the recipient client according to the trustworthiness reference of the first user account comprises:

the receiving party client determines the sorting position of the item information according to the credibility reference value of the first user account; wherein the priority of the ranking position is positively correlated with the confidence reference value;

and the receiving party client displays the item information according to the sorting position of the item information.

5. The method of claim 1, wherein the background server deciding whether to execute the transaction request according to the reference value of the trustworthiness of the first user account and the reference value of the trustworthiness of the second user account comprises:

if the reliability reference value of the first user account and the reliability reference value of the second user account are both greater than a preset threshold value, the background server determines to execute the transaction request;

and if the reliability reference value of the first user account and/or the reliability reference value of the second user account is smaller than a preset threshold value, the background server determines not to execute the transaction request.

6. The method of claim 1, further comprising:

the background server acquires the transaction frequency of the first user account; if the transaction frequency of the first user account is greater than a preset threshold value, executing transaction suppression operation corresponding to the first user account;

and/or the presence of a gas in the gas,

the background server acquires the transaction frequency of the second user account; and if the transaction frequency of the second user account is greater than a preset threshold value, executing transaction suppression operation corresponding to the second user account.

7. A transaction control method for use in an exchange application, the method comprising:

8. The method according to claim 7, wherein before receiving the transaction request corresponding to the item information sent by the second user account, the method further comprises:

receiving an article publishing request sent by a publisher client, wherein the article publishing request comprises the first user account and the article information which are logged in the publisher client;

acquiring a credit score of the first user account, wherein the credit score of the first user account is used for indicating the credit condition of the first user account;

determining a credibility reference value of the first user account according to the credit score of the first user account;

and sending the item information and the credibility reference value of the first user account to a receiver client.

9. The method of claim 8, wherein determining the reference value for the trustworthiness of the first user account based on the credit score of the first user account comprises:

determining a credibility reference value of the first user account according to the credit score of the first user account and the reference information of the first user account;

10. The method of claim 7, wherein the deciding whether to execute the transaction request based on the reference value of the trustworthiness of the first user account and the reference value of the trustworthiness of the second user account comprises:

if the reliability reference value of the first user account and the reliability reference value of the second user account are both larger than a preset threshold value, determining to execute the transaction request;

and if the reliability reference value of the first user account and/or the reliability reference value of the second user account is smaller than a preset threshold value, determining not to execute the transaction request.

11. The method of claim 7, further comprising:

after the transaction is completed, receiving evaluation information which is sent by the first user account and corresponds to the second user account; and updating the credibility reference value of the second user account according to the evaluation information corresponding to the second user account.

12. The method of claim 7, further comprising:

acquiring the transaction frequency of the first user account; if the transaction frequency of the first user account is greater than a preset threshold value, executing transaction suppression operation corresponding to the first user account;

and/or the presence of a gas in the gas,

acquiring the transaction frequency of the second user account; and if the transaction frequency of the second user account is greater than a preset threshold value, executing transaction suppression operation corresponding to the second user account.

13. A transaction control method for use in an exchange application, the method comprising:

14. The method of claim 13, wherein prior to obtaining the transaction indication corresponding to the item information issued by the first user account, further comprising:

receiving the item information and the credibility reference value of the first user account sent by the background server;

and displaying the item information according to the credibility reference value of the first user account.

15. The method according to claim 14, wherein the displaying the item information according to the reference value of the credibility of the first user account comprises:

determining the sorting position of the item information according to the credibility reference value of the first user account; wherein the priority of the ranking position is positively correlated with the confidence reference value;

and displaying the article information according to the sequencing position of the article information.

16. A transaction control device, the device comprising:

17. The apparatus of claim 16, further comprising:

the release request receiving module is used for receiving an article release request sent by a publisher client, wherein the article release request comprises the first user account and the article information which are logged in the publisher client;

the score acquisition module is used for acquiring a credit score of the first user account, and the credit score of the first user account is used for indicating the credit condition of the first user account;

the credibility determining module is used for determining a credibility reference value of the first user account according to the credit score of the first user account;

and the information sending module is used for sending the item information and the credibility reference value of the first user account to a receiver client.

18. The apparatus of claim 17,

the credibility determining module is used for determining a credibility reference value of the first user account according to the credit score of the first user account and the reference information of the first user account;

wherein the reference information comprises at least one of: historical transaction behavior data of the first user account and article information issued by the first user account.

19. The apparatus of claim 16, wherein the execution decision module is configured to:

20. The apparatus of claim 16, wherein the credibility updating module is further configured to receive evaluation information corresponding to the second user account sent by the first user account after the transaction is completed; and updating the credibility reference value of the second user account according to the evaluation information corresponding to the second user account.

21. The apparatus of claim 16, further comprising: a transaction suppression module to:

and/or the presence of a gas in the gas,

22. A transaction control device, the device comprising:

23. The apparatus of claim 22, further comprising:

the information receiving module is used for receiving the article information and the reliability reference value of the first user account sent by the background server;

the information display module is further used for displaying the article information according to the credibility reference value of the first user account.

24. The apparatus of claim 23, wherein the information display module is configured to:

25. A computer-readable storage medium, on which a computer program is stored, the computer program being executable by a processor to implement the method of any one of claims 7 to 12, or to implement the method of any one of claims 13 to 15.