CN108038771B - Bulk oil product transaction method and system - Google Patents
Bulk oil product transaction method and system Download PDFInfo
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- CN108038771B CN108038771B CN201810006903.9A CN201810006903A CN108038771B CN 108038771 B CN108038771 B CN 108038771B CN 201810006903 A CN201810006903 A CN 201810006903A CN 108038771 B CN108038771 B CN 108038771B
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
Abstract
The invention provides a bulk oil product transaction method and a bulk oil product transaction system. The method comprises the steps that when a platform server identifies that order data sent by a buyer terminal is a bulk oil product order, a credit line corresponding to the buyer terminal is obtained, when the amount of money corresponding to the order data does not exceed a corresponding available credit line, the order data is sent to a corresponding seller terminal, and the amount corresponding to the amount of money is frozen from the corresponding available credit line. When the platform server receives the confirmed receipt information which is sent by the seller terminal and carries the feature tag of the buyer terminal, the platform server starts to intercept settlement data fed back by the buyer terminal, and if the platform server confirms that the settlement data is received within preset time, the frozen quota corresponding to the buyer terminal is recovered to the available credit quota. The problem of large online payment risk of bulk oil products is solved. Meanwhile, the whole transaction process is more convenient and accurate to complete, and is transparent and open. And the financial pressure of enterprises is relieved.
Description
Technical Field
The invention relates to the technical field of transaction, in particular to a bulk oil product transaction method and system.
Background
With the development of communication technology, people are greatly facilitated in work and life. Especially, the progress in the field of trading directly changes the life style of people. Although the current transaction informatization is mature, a plurality of limitations still exist in the field of transaction in some specific directions, and the development of the transaction is limited. For example, in the field of bulk oil product transaction, due to the huge transaction amount, the problem of online payment of a large-amount order cannot be solved through payment of a bank card, and three-in-one integration of payment and transfer by a third party cannot be realized, so that invoices cannot be issued to users on a platform. Meanwhile, large-scale fund transfer risks are high, and great fund pressure is brought to enterprises, so that trust of oil purchasing enterprises to oil sellers is difficult to establish. Therefore, current trading platforms can only provide oil product display services. The entire transaction process remains inconvenient.
Disclosure of Invention
The present invention is directed to a bulk oil transaction method and system for improving the above problems.
In order to achieve the above purpose, the embodiment of the present invention adopts the following technical solutions:
in a first aspect, an embodiment of the present invention provides a bulk oil product transaction method, which is applied to a bulk oil product transaction system, where the system includes a platform server, a buyer terminal and a seller terminal, and the platform server is in communication connection with the buyer terminal and the seller terminal, respectively, and the method includes: the buyer terminal responds to a first operation of a user to generate order data and sends the order data to the platform server; the platform server receives the order data; when the order data is a bulk oil product order, the platform server acquires a credit line corresponding to the buyer terminal; the platform server compares the available credit line in the credit line with the amount of the order data; when the amount of money does not exceed the available credit limit, sending the order data to a corresponding seller terminal; the seller terminal displays the received order data; when the seller terminal receives a confirmation instruction corresponding to the order data input by a user, the confirmation instruction is sent to the platform server; the platform server freezes the amount corresponding to the money amount from the available credit amount corresponding to the buyer terminal according to the confirmation instruction, and sends a delivery instruction to the seller terminal to prompt the seller terminal to deliver goods; when the platform server receives the confirmed goods receiving information which is sent by the seller terminal and carries the feature tag of the buyer terminal, the platform server starts to monitor settlement data fed back by the buyer terminal; and if the platform server determines to receive the settlement data within the preset time, the frozen quota corresponding to the buyer terminal is recovered to the available credit quota.
In a second aspect, an embodiment of the present invention provides a bulk oil product transaction system, where the system includes a platform server, a buyer terminal and a seller terminal, where the platform server is in communication connection with the buyer terminal and the seller terminal respectively; and the buyer terminal is used for responding to the first operation of the user to generate order data and sending the order data to the platform server. The platform server is used for receiving the order data; the platform server is further used for acquiring a credit line corresponding to the buyer terminal when the order data is a bulk oil product order; the platform server is also used for comparing the available credit line in the credit line with the amount of the order data; the platform server is further used for sending the order data to a corresponding seller terminal when the amount of money does not exceed the available credit limit; the seller terminal is used for displaying the received order data; when the seller terminal is used for receiving a confirmation instruction corresponding to the order data input by a user, the confirmation instruction is sent to the platform server; the platform server is used for freezing a limit corresponding to the amount of money from the available credit limit corresponding to the buyer terminal according to the confirmation instruction, and sending a delivery instruction to the seller terminal to prompt the seller terminal to deliver goods; the platform server is further used for starting to monitor settlement data fed back by the buyer terminal when receiving confirmed goods receiving information which is sent by the seller terminal and carries the characteristic mark of the buyer terminal; the platform server is also used for determining to receive the settlement data within preset time and recovering the frozen quota corresponding to the buyer terminal into the available credit quota.
Compared with the prior art, the bulk oil product transaction method provided by the invention is applied to a bulk oil product transaction system, when the platform server identifies that the order data sent by the buyer terminal is a bulk oil product order, the platform server obtains the credit line corresponding to the buyer terminal, and when the amount of money corresponding to the order data does not exceed the available credit line, the order data is sent to the corresponding seller terminal so as to receive the confirmation instruction fed back by the buyer terminal. And the platform server responds to a confirmation instruction to freeze a limit corresponding to the money amount from the available credit limit corresponding to the buyer terminal, and sends a delivery instruction to the seller terminal to prompt the seller terminal to deliver goods. When the platform server receives the confirmed goods receiving information which is sent by the seller terminal and carries the feature tag of the buyer terminal, the platform server starts to intercept settlement data fed back by the buyer terminal, and if the platform server confirms that the settlement data is received within preset time, the frozen quota corresponding to the buyer terminal is recovered to the available credit quota. The problem of large online payment risk of a large amount of oil products is solved by a credit payment mode. Meanwhile, the whole transaction process is more convenient and accurate to complete, and is transparent and open. And the financial pressure of enterprises is relieved.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
Fig. 1 is a schematic structural diagram of a bulk oil transaction system according to an embodiment of the present invention.
Fig. 2 is a schematic structural diagram of the platform server shown in fig. 1.
FIG. 3 is a flowchart illustrating steps of a bulk oil transaction method according to an embodiment of the present invention.
FIG. 4 is another portion of a flowchart illustrating steps of a bulk oil trading method according to an embodiment of the present invention.
Icon: 100-a platform server; 111-a memory; 112-a processor; 113-a communication unit; 200-a buyer terminal; 300-a seller terminal; 400-bulk oil trading system.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.
Referring to FIG. 1, a bulk oil transaction system 400 is provided according to an embodiment of the present invention. The bulk oil transaction system 400 includes a platform server 100, a buyer terminal 200 and a seller terminal 300. The platform server 100 is in communication connection with the buyer terminal 200 and the seller terminal 300, respectively.
The buyer terminal 200 and the seller terminal 300 may be electronic devices, and the electronic devices may include smart phones, tablet computers, laptop portable computers, car-mounted computers, wearable mobile terminals, and the like. The electronic device of the buyer client is installed as the buyer terminal 200. The electronic device in which the seller client is installed is the seller terminal 300. The buyer client and the seller client correspond to the platform server 100, respectively, and provide services to the user.
Fig. 2 is a block diagram of the platform server 100. The platform server 100 includes a memory 111, a processor 112, and a communication unit 113.
The memory 111, the processor 112 and the communication unit 113 are electrically connected to each other directly or indirectly to realize data transmission or interaction. For example, the components may be electrically connected to each other via one or more communication buses or signal lines. The software for implementing the project data analysis includes at least one software functional module which may be stored in the memory 111 in the form of software or Firmware (Firmware) or solidified in an Operating System (OS) of the platform server 100. The processor 112 is used to execute the executable modules stored in the memory 111.
The Memory 111 may be, but is not limited to, a Random Access Memory (RAM), a Read Only Memory (ROM), a Programmable Read-Only Memory (PROM), an Erasable Read-Only Memory (EPROM), an electrically Erasable Read-Only Memory (EEPROM), and the like. The memory 111 is used to store programs or data. The communication unit 113 is configured to establish a communication connection between the platform server 100 and another communication terminal through the network, and to transceive data through the network.
It should be understood that the structure shown in fig. 2 is merely a schematic diagram of the structure of the platform server 100, and the platform server 100 may include more or less components than those shown in fig. 2, or have a different configuration than that shown in fig. 2. The components shown in fig. 2 may be implemented in hardware, software, or a combination thereof.
First embodiment
Referring to fig. 3, fig. 3 is a flowchart of a method for upgrading a chain of terminals according to a preferred embodiment of the present invention. Applied to a bulk oil trading system 400 shown in FIG. 1. The terminal chain type upgrading method comprises the following steps:
in step S101, the buyer terminal 200 generates order data in response to a first operation of a user, and sends the order data to the platform server 100.
In the embodiment of the present invention, when an oil enterprise needs to purchase oil, the oil product display page provided by the platform server 100 can be browsed by using the buyer terminal 200. The oil product display page is displayed by the buyer terminal 200, and corresponding order data is generated until the buyer terminal 200 selects the oil product information to be purchased and the corresponding seller information in response to a first operation of a user. The oil product information comprises the type of oil product and the quantity of oil purchased. And transmits the order data to the platform server 100 through a network. The buyer terminal 200 platform server 100 places an order, and pops up a 'respected user's good, considering the great particularity of the oil transaction amount. The platform transaction is carried out in a credit line mode, the current available credit line is 80 thousands by combining the amount of 60 thousands of orders placed by you this time, the platform transaction is used for the platform transaction, and the actual payment can be paid in a card swiping mode, a cash mode and a transfer mode when the oil product is delivered to your destination.
In step S102, the platform server 100 receives the order data.
In the embodiment of the present invention, after receiving the order data, the platform server 100 identifies the order data to obtain the purchased commodity information and the purchase amount corresponding to the order data.
Step S103, when the order data is a bulk oil product order, the platform server 100 obtains a credit line corresponding to the buyer terminal 200.
In the embodiment of the present invention, the platform server 100 determines whether the order data is a bulk oil product order according to the purchased commodity information and the purchase amount. The bulk oil product order may be that the corresponding commodity information is oil and the purchase quantity exceeds a predetermined threshold. When the order data is a bulk oil product order, the platform server 100 obtains a credit line corresponding to the buyer terminal 200. The credit line includes an available credit line and a temporarily unavailable credit line. The temporarily unavailable credit line may be a frozen line. The credit line is that every user is known and evaluated in advance, and then the enterprise is given a certain credit line according to different conditions of the enterprise.
Step S104, the platform server 100 compares the available credit line in the credit line with the amount of the order data.
In the embodiment of the present invention, the amount of the order data may be determined according to the purchase amount corresponding to the order data and the price list corresponding to the selected seller information. For example, the credit line of the buyer terminal 200 that sends the order data corresponds to 100 ten thousand in the platform server 100, and at this time, the available credit line is 80 ten thousand, and the temporarily unavailable credit line is 20 ten thousand. If the amount of the order data is not more than 80 ten thousand, the available credit amount is larger than the amount of the order data, and the process proceeds to step S105. If the amount of the order data exceeds the available credit, the purchase failure information is fed back to the buyer terminal 200 and a suggestion for solving the purchase failure is given. As an embodiment, when the buyer terminal 200 has a credit line that is temporarily unavailable, the transaction cannot continue using the method provided by the present invention until all frozen amounts are thawed.
Step S105, the order data is sent to the corresponding seller terminal 300.
In step S106, the seller terminal 300 displays the received order data.
In the embodiment of the present invention, after receiving the order data, the seller terminal 300 displays the order data and prompts the seller terminal 300 to determine whether to accept the order data. Further, when the seller terminal 300 receives a confirmation instruction corresponding to the order data input by the user, the confirmation instruction is transmitted to the platform server 100.
Step S107, according to the confirmation instruction, the platform server 100 freezes an amount corresponding to the amount of money from the available credit amount corresponding to the buyer terminal 200, and sends a shipping instruction to the seller terminal 300 to prompt the seller terminal 300 to ship. For example, if the current available credit line of the buyer terminal 200 is 80 ten thousand and the amount of the order data is 60 ten thousand, the current available credit line of the buyer terminal 200 is frozen by 60 ten thousand. The available credit line after freezing is 20 ten thousand.
Transportation costs are also high due to the high price of bulk oil. The buyer and the seller are required to confirm the receipt at the same time. In order to ensure timely confirmation, the benefit of the seller is guaranteed. In an embodiment of the present invention, the method may further include the step of generating, by the buyer terminal 200 in response to a second operation of the user, the feature tag according to the corresponding buyer digital label and the acquired random number, and sending the feature tag to the platform server 100 and the seller terminal 300, respectively. The seller terminal 300 generates the receipt confirmation information according to the feature tag and transmits the receipt confirmation information to the platform server 100.
Step S108, when the platform server 100 receives the confirmed receiving information carrying the feature tag of the buyer terminal 200 sent by the seller terminal 300, the platform server 100 starts to intercept the settlement data fed back by the buyer terminal 200.
In the embodiment of the present invention, after the platform server 100 receives the receiving confirmation information, the feature tag in the receiving confirmation information is extracted. The signature acquired from the receipt confirmation information is compared with the signature transmitted from the buyer terminal 200 to acquire a comparison result. And if the comparison results are the same, starting to listen to settlement data fed back by the buyer terminal 200.
Step S109, if the platform server 100 determines that the settlement data is received within the predetermined time, the frozen credit line corresponding to the buyer terminal 200 is restored to the available credit line.
The predetermined time can be adjusted, and the initial state is a default time limit. The settlement data may be generated by the buyer terminal 200 according to the completion of the payment for the order data by the buyer. The payment method may include cash payment and network payment.
When the user of the buyer terminal 200 selects cash payment, after the seller receives money, the seller terminal 300 responds to the operation of the user, generates the payment characteristics according to the corresponding seller digital label and the acquired random number, and respectively sends the payment characteristics to the platform server 100 and the buyer terminal 200. The buyer terminal 200 generates the settlement data according to the payment characteristics and feeds the settlement data back to the platform server 100. The platform server 100 extracts the payment characteristics from the settlement data after receiving the settlement data, compares the payment characteristics extracted from the settlement data with the payment characteristics sent by the seller terminal 300 to obtain a comparison result, and determines to receive the settlement data if the comparison results are the same.
When the user of the buyer terminal 200 selects the online payment, a payment request is transmitted to the platform server 100 by the buyer terminal 200 in response to a fourth operation of the user. The platform server 100 transmits a payment account corresponding to the payment request to the buyer terminal 200. The buyer terminal 200 makes payment according to the payment account to obtain a payment result. The buyer terminal 200 generates the settlement data according to the payment result and transmits the settlement data to the platform server 100.
In the embodiment of the present invention, the platform server 100 receives the settlement data, and restores the amount of money corresponding to the order data in the frozen amount corresponding to the buyer terminal 200 to the available credit amount. For example, if the amount of the order data is 60 ten thousand, 60 ten thousand of the frozen amount is defrosted to be the available credit amount.
The method and the system also realize that the user places an order on the platform by using the credit line, the delivery is carried out without error after the platform confirms, when the transportation arrives at the appointed place of the user, the user transfers money to the appointed account of the platform to settle the money, and the platform clears the account of the user, so that the user can conveniently buy the oil next time. The ordering is more convenient and faster, the traditional telephone is used for buying oil, the ordering is carried out on line, the oil is bought by one key, and meanwhile, the industry credit system is slowly perfected, so that the enterprises with high-quality reputation are time-saving, worry-saving and money-saving.
In order to enable an enterprise with good integrity to solve the problem of project fund shortage, please refer to fig. 4, the method may further include the following steps:
in step S201, the buyer terminal 200 generates a deferred payment request in response to a third operation of the user, and sends the deferred payment request to the platform server 100.
In the embodiment of the present invention, the buyer terminal 200 may respond to the third operation of the user to obtain the time length of the request delay, and generate the request for delayed payment according to the time length of the request delay.
Step S202, the platform server 100 calculates a corresponding guarantee amount according to the deferred payment request.
Step S203, when the guarantee amount does not exceed the current available credit amount of the buyer terminal 200, the platform server 100 freezes the amount corresponding to the guarantee amount from the current available credit amount of the buyer terminal 200, and takes the deadline corresponding to the deferred payment request as the predetermined time.
In step S204, when the guarantee limit exceeds the available credit limit of the buyer terminal 200, the platform server 100 sets a default time limit as the predetermined time.
Further, if the platform server 100 does not receive the settlement data within the predetermined time, the guarantee amount is deducted from the credit amount corresponding to the buyer terminal 200.
Further, if the platform server 100 determines that the predetermined time is exceeded when the settlement data is received, the platform server 100 calculates a corresponding overdue credit according to the time exceeded. When the platform server 100 detects that the overdue points accumulated by the buyer terminal 200 exceed a preset threshold, the credit limit corresponding to the buyer terminal 200 is adjusted.
The embodiment of the present invention further provides a bulk oil product transaction system 400 corresponding to the method, where the detailed scheme in the system can be implemented by referring to the method, which is specifically as follows:
the buyer terminal 200 is configured to generate order data in response to a first operation of a user, and send the order data to the platform server 100.
The platform server 100 is configured to receive the order data.
The platform server 100 is further configured to obtain a credit line corresponding to the buyer terminal 200 when the order data is a bulk oil product order.
The platform server 100 is further configured to compare the available credit line in the credit line with the amount of the order data.
The platform server 100 is further configured to send the order data to the corresponding seller terminal 300 when the amount of money does not exceed the available credit limit.
The seller terminal 300 is configured to display the received order data.
When the seller terminal 300 is configured to receive a confirmation instruction corresponding to the order data, which is input by a user, the confirmation instruction is sent to the platform server 100.
The platform server 100 is configured to freeze an amount corresponding to the amount of money from the available credit amount corresponding to the buyer terminal 200 according to the confirmation instruction, and send a shipping instruction to the seller terminal 300 to prompt the seller terminal 300 to ship.
The platform server 100 is further configured to start to intercept settlement data fed back by the buyer terminal 200 when receiving the confirmed receipt information carrying the feature tag of the buyer terminal 200 and sent by the seller terminal 300.
The platform server 100 is further configured to determine that the settlement data is received within a predetermined time, and restore the frozen credit line corresponding to the buyer terminal 200 to the available credit line.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working process of the apparatus described above may refer to the corresponding process in the foregoing method embodiment, and is not described herein again.
In summary, the present invention provides a bulk oil transaction method and system. The method is applied to a bulk oil product transaction system, the system comprises a platform server, a buyer terminal and a seller terminal, the platform server is respectively in communication connection with the buyer terminal and the seller terminal, and the method comprises the following steps: the buyer terminal responds to a first operation of a user to generate order data and sends the order data to the platform server; the platform server receives the order data; when the order data is a bulk oil product order, the platform server acquires a credit line corresponding to the buyer terminal; the platform server compares the available credit line in the credit line with the amount of the order data; when the amount of money does not exceed the available credit limit, sending the order data to a corresponding seller terminal; the seller terminal displays the received order data; when the seller terminal receives a confirmation instruction corresponding to the order data input by a user, the confirmation instruction is sent to the platform server; the platform server freezes the amount corresponding to the money amount from the available credit amount corresponding to the buyer terminal according to the confirmation instruction, and sends a delivery instruction to the seller terminal to prompt the seller terminal to deliver goods; when the platform server receives the confirmed goods receiving information which is sent by the seller terminal and carries the feature tag of the buyer terminal, the platform server starts to monitor settlement data fed back by the buyer terminal; and if the platform server determines to receive the settlement data within the preset time, the frozen quota corresponding to the buyer terminal is recovered to the available credit quota. By the improvement of a credit system, enterprises with good integrity and high quality can solve the problem of project fund shortage. Frequent account transfer of enterprises can be solved, and the complex working condition of finance is reduced. The problem of online payment of bulk commodities such as diesel oil and the like can be solved. The purchasing process can be more convenient, accurate, public and transparent.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method can be implemented in other ways. The apparatus embodiments described above are merely illustrative, and for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In addition, the functional modules in the embodiments of the present invention may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a platform server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention. It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (8)
1. A bulk oil product transaction method is characterized by being applied to a bulk oil product transaction system, wherein the system comprises a platform server, a buyer terminal and a seller terminal, the platform server is respectively in communication connection with the buyer terminal and the seller terminal, and the method comprises the following steps:
the buyer terminal responds to a first operation of a user to generate order data and sends the order data to the platform server;
the platform server receives the order data;
when the order data is a bulk oil product order, the platform server acquires a credit line corresponding to the buyer terminal;
the platform server compares the available credit line in the credit line with the amount of the order data;
when the amount of money does not exceed the available credit limit, sending the order data to a corresponding seller terminal;
the seller terminal displays the received order data;
when the seller terminal receives a confirmation instruction corresponding to the order data input by a user, the confirmation instruction is sent to the platform server;
the platform server freezes the amount corresponding to the money amount from the available credit amount corresponding to the buyer terminal according to the confirmation instruction, and sends a delivery instruction to the seller terminal to prompt the seller terminal to deliver goods;
the buyer terminal responds to a second operation of a user, generates a feature tag according to the corresponding buyer digital label and the acquired random number, and respectively sends the feature tag to the platform server and the seller terminal;
the seller terminal generates receiving confirmation information according to the feature mark and sends the receiving confirmation information to the platform server;
when the platform server receives the confirmed goods receiving information which is sent by the seller terminal and carries the feature tag of the buyer terminal, the platform server starts to monitor settlement data fed back by the buyer terminal; after the platform server receives the receiving confirmation information, extracting a characteristic mark in the receiving confirmation information; comparing the characteristic mark obtained from the receiving confirmation information with the characteristic mark sent by the buyer terminal to obtain a comparison result; if the comparison results are the same, starting to monitor settlement data fed back by the buyer terminal;
and if the platform server determines to receive the settlement data within the preset time, the frozen quota corresponding to the buyer terminal is recovered to the available credit quota.
2. The method of claim 1, wherein the method further comprises:
the buyer terminal responds to the third operation of the user, generates a deferred payment request and sends the deferred payment request to the platform server;
the platform server calculates a corresponding guarantee amount according to the deferred payment request;
when the guarantee limit does not exceed the current available credit limit of the buyer terminal, the platform server freezes a limit corresponding to the guarantee limit from the current available credit limit of the buyer terminal, and takes a limit corresponding to the deferred payment request as the preset time;
and when the guarantee limit exceeds the current available credit limit of the buyer terminal, the platform server takes a default time limit as the preset time.
3. The method of claim 2, wherein when the predetermined time is a term corresponding to the deferred payment request, the method further comprises:
and if the platform server does not receive the settlement data within the preset time, deducting the guarantee amount from the credit amount corresponding to the buyer terminal.
4. The method of claim 2, wherein the method further comprises:
if the platform server determines that the settlement data exceeds the preset time when received, the platform server calculates corresponding overdue integrals according to the exceeding time;
and when the platform server detects that the overdue integral accumulated by the buyer terminal exceeds a preset threshold value, adjusting the credit line corresponding to the buyer terminal.
5. The method of claim 1, wherein the method further comprises:
the seller terminal responds to the operation of a user, generates payment characteristics according to the corresponding seller digital label and the acquired random number, and respectively sends the payment characteristics to the platform server and the buyer terminal;
and the buyer terminal generates the settlement data according to the payment characteristics and feeds the settlement data back to the platform server.
6. The method of claim 5, wherein the method further comprises:
the platform server extracting the payment characteristics from the settlement data;
comparing the payment characteristics extracted from the settlement data with the payment characteristics sent by the seller terminal to obtain a comparison result;
and if the comparison results are the same, determining that the settlement data is received.
7. The method of claim 1, wherein the method further comprises:
the buyer terminal responds to the fourth operation of the user and sends a payment request to the platform server;
the platform server sends a payment account corresponding to the payment request to the buyer terminal;
the buyer terminal pays according to the payment account to obtain a payment result;
and the buyer terminal generates the settlement data according to the payment result and sends the settlement data to the platform server.
8. A bulk oil transaction system is characterized by comprising a platform server, a buyer terminal and a seller terminal, wherein the platform server is in communication connection with the buyer terminal and the seller terminal respectively;
the buyer terminal is used for responding to a first operation of a user to generate order data and sending the order data to the platform server;
the platform server is used for receiving the order data;
the platform server is further used for acquiring a credit line corresponding to the buyer terminal when the order data is a bulk oil product order;
the platform server is also used for comparing the available credit line in the credit line with the amount of the order data;
the platform server is further used for sending the order data to a corresponding seller terminal when the amount of money does not exceed the available credit limit;
the seller terminal is used for displaying the received order data;
when the seller terminal is used for receiving a confirmation instruction corresponding to the order data input by a user, the confirmation instruction is sent to the platform server;
the platform server is used for freezing a limit corresponding to the amount of money from the available credit limit corresponding to the buyer terminal according to the confirmation instruction, and sending a delivery instruction to the seller terminal to prompt the seller terminal to deliver goods;
the buyer terminal is used for responding to a second operation of a user, generating feature labels according to the corresponding buyer digital labels and the acquired random numbers, and respectively sending the feature labels to the platform server and the seller terminal;
the seller terminal is used for generating receiving confirmation information according to the characteristic mark and sending the receiving confirmation information to the platform server;
the platform server is further used for starting to monitor settlement data fed back by the buyer terminal when receiving confirmed goods receiving information which is sent by the seller terminal and carries the characteristic mark of the buyer terminal; after the platform server receives the receiving confirmation information, extracting a characteristic mark in the receiving confirmation information; comparing the characteristic mark obtained from the receiving confirmation information with the characteristic mark sent by the buyer terminal to obtain a comparison result; if the comparison results are the same, starting to monitor settlement data fed back by the buyer terminal;
the platform server is also used for determining to receive the settlement data within preset time and recovering the frozen quota corresponding to the buyer terminal into the available credit quota.
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| CN201810006903.9A CN108038771B (en) | 2018-01-04 | 2018-01-04 | Bulk oil product transaction method and system |
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| CN201810006903.9A CN108038771B (en) | 2018-01-04 | 2018-01-04 | Bulk oil product transaction method and system |
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| CN108038771A CN108038771A (en) | 2018-05-15 |
| CN108038771B true CN108038771B (en) | 2021-08-10 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108921685A (en) * | 2018-06-11 | 2018-11-30 | 广东易上云计算机服务股份有限公司 | A kind of credit estimation method bartered for realizing credit and credit are bartered platform |
| CN110458548A (en) * | 2019-07-12 | 2019-11-15 | 上海找油信息科技有限公司 | A kind of online payment under guarantee system of B2B |
| CN111260472B (en) * | 2020-01-15 | 2023-05-30 | 成都库珀创新科技有限公司 | Virtual currency fund management method, device and system |
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| CN101162518A (en) * | 2006-10-11 | 2008-04-16 | 中国民生银行股份有限公司 | Trading information processing method |
| CN102855557A (en) * | 2011-06-27 | 2013-01-02 | 乐活在线（北京）网络技术有限公司 | Network transaction payment processing system and method |
| CN106204005A (en) * | 2015-04-30 | 2016-12-07 | 深圳市银信网银科技有限公司 | Based on across the payment system of fund server and method of payment, device and server |
| CN107133768A (en) * | 2017-05-04 | 2017-09-05 | 浙江路港互通信息技术有限公司 | Payment mechanism and method on line |
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| JP3823009B2 (en) * | 2000-03-30 | 2006-09-20 | 株式会社日立製作所 | Electronic credit service method and apparatus |
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| CN101162518A (en) * | 2006-10-11 | 2008-04-16 | 中国民生银行股份有限公司 | Trading information processing method |
| CN102855557A (en) * | 2011-06-27 | 2013-01-02 | 乐活在线（北京）网络技术有限公司 | Network transaction payment processing system and method |
| CN106204005A (en) * | 2015-04-30 | 2016-12-07 | 深圳市银信网银科技有限公司 | Based on across the payment system of fund server and method of payment, device and server |
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