CN109325786B - Double-stage double-track authorization method of transaction guarantee platform, terminal and readable storage medium - Google Patents
Double-stage double-track authorization method of transaction guarantee platform, terminal and readable storage medium Download PDFInfo
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Abstract
The invention discloses a double-stage double-track authorization method for a transaction guarantee platform, which comprises the following steps: responding a first authorization quota request initiated by a first to-be-authorized party; when the number of the authorized objects of the superior channel party is less than 2 and the superior channel party has the qualification of authorizing the first to-be-authorized party, feeding back the first authorization limit and the first supply unit price to the first to-be-authorized party; determining whether a first to-be-authorized party performs a payment operation; if so, recording the first to-be-authorized party as a first channel party with a first authorization limit, and sending a preset first refund guarantee protocol to the first channel party; and when the first channel side initiates a refund guarantee request to the upper level corresponding to the upper level channel side, forwarding the refund guarantee request to a preset receiver. The invention also discloses a terminal and a storage medium. The technical scheme of the invention aims to solve the problem that the operation risk of each channel party cannot be guaranteed in the process of authorizing and managing each channel party by a merchant.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a double-stage double-track authorization method of a transaction security platform, a terminal applying the double-stage double-track authorization method of the transaction security platform and a computer readable storage medium.
Background
With the rapid development and popularization of the internet, electronic commerce (e-commerce) is rapidly developed in the world, e-commerce is introduced to well-known large enterprises and medium and small merchants, and the e-commerce mode is more and more diversified. The e-commerce mode is generally used for providing commodity trading service, a buyer and a seller are merchants and customers, authorization control of merchants on channel parties at all levels in the prior art is usually realized through a manual control mode, and in the manual authorization control process, after the channel parties at all levels obtain the sales limit authorization of the merchants, the merchants cannot provide the guarantee service of sales limit refund for the channel parties, so that the operation risk of the channel parties at all levels cannot be guaranteed.
Disclosure of Invention
The invention mainly aims to provide a two-stage double-track authorization method, a terminal and a computer readable storage medium for a transaction guarantee platform, and aims to solve the problem that the operation risk of each stage of channel party cannot be guaranteed in the process of authorization and management of merchants on each stage of channel party.
In order to achieve the above purpose, the double-stage double-track authorization method for the transaction security platform provided by the invention comprises the following steps:
responding a first authorization limit request initiated by a first to-be-authorized party to a superior channel party; wherein, the first request authorization quota is recorded in the first authorization quota request;
judging whether the number of the authorized objects of the superior channel side is less than 2;
when the number of the authorized objects of the superior channel party is less than 2 and an authorization instruction fed back by the superior channel party according to the first authorization limit request is received, determining whether the superior channel party has the limit authorization qualification to the first to-be-authorized party according to the first request authorization limit, the available authorization limit corresponding to the superior channel party and a preset authorization condition;
when the superior channel side is qualified for carrying out limit authorization on the first to-be-authorized side, calculating a first authorization limit and a first supply unit price granted by the superior channel side to the first to-be-authorized side according to the first request authorization limit and a preset limit amplification ratio, and feeding back the first authorization limit and the first supply unit price to the first to-be-authorized side;
determining whether the first to-be-authorized party carries out payment operation according to the first request authorization amount according to the account transaction record of the first to-be-authorized party;
if so, recording the first to-be-authorized party as a first channel party with a first authorization amount, correspondingly modifying the available authorization amount of the superior channel party, and sending a preset first refund guarantee protocol to the first channel party; the providing party of the first refund guarantee protocol is a superior party corresponding to the superior channel party, and the secured party of the first refund guarantee protocol is the first channel party;
when a refund guarantee request is initiated to a superior channel side corresponding to the superior channel side from the first channel side, forwarding the refund guarantee request to a preset receiver according to the first refund guarantee protocol; wherein, the refund guarantee request records the refund request amount.
Preferably, the chain authorization method of the transaction assurance platform further includes:
and when the first channel party initiates a goods pickup request to a manufacturer party or an initial channel party, modifying the first authorization amount of the first channel party according to the goods pickup quantity and the first supply unit price in the goods pickup request.
Preferably, the double-stage double-track authorization method of the transaction assurance platform further includes:
after the upper level corresponding to the upper level channel party refunds to the first channel party, judging whether the upper level corresponding to the upper level channel party initiates a refund guarantee request again to the upper two levels corresponding to the upper level channel party;
and if so, judging whether the refund guarantee request meets the preset tracing condition.
Preferably, the double-stage double-track authorization method of the transaction assurance platform further includes:
the preset tracing condition is that the refund guarantee request of any channel party is allowed to trace to the upper two levels.
Preferably, before the step of responding to the first request for the quota of authority initiated by the first to-be-authorized party to the superior channel, the method further includes:
judging whether a manufacturer party or an initial channel party pays an authorization deposit to the transaction guarantee platform or not;
if yes, equal-amount supply quota is granted to the manufacturer side or the initial channel side according to the authorization guarantee fund, so that the manufacturer or the initial channel side can authorize quota to a subordinate channel side.
Preferably, before the step of responding to the first request for the quota of authority initiated by the first to-be-authorized party to the superior channel, the method further includes:
acquiring the identity authentication material uploaded by the first party to be authorized and an audit result of the identity authentication material;
determining whether the first party to be authorized passes identity authentication according to the verification result;
and when the first to-be-authorized party passes the identity authentication, executing the step of responding the first authorized limit request initiated by the first to-be-authorized party to the superior channel party.
Preferably, the double-stage double-track authorization method of the transaction assurance platform further includes:
responding a second request of authorized amount initiated by a second party to be authorized to the first channel party; wherein, the second request authorization quota is recorded in the second authorization quota request;
judging whether the number of the authorized objects of the first channel side is less than 2;
when the number of the authorized objects of the first channel party is less than 2 and an authorization instruction fed back by the first channel party according to the second authorization limit request is received, determining whether the first channel party has the limit authorization qualification to the second party to be authorized according to the second request authorization limit, the available authorization limit corresponding to the first channel party and a preset authorization condition;
when the first channel side has the qualification of carrying out limit authorization on the second to-be-authorized side, calculating a second authorization limit and a second supply unit price granted by the second to-be-authorized side to the first channel side according to the second request authorization limit and a preset limit amplification ratio, and feeding back the second authorization limit and the second supply unit price to the second to-be-authorized side;
determining whether the second party to be authorized carries out payment operation according to the second request authorization amount according to the account transaction record of the second party to be authorized;
if so, recording a second party to be authorized as a second channel party with a second authorization amount, correspondingly modifying the available authorization amount of the first channel party, and sending a preset second refund guarantee protocol to the second channel party; the providing and guaranteeing party of the second refund guarantee protocol is the superior channel party, and the guaranteed party of the second refund guarantee protocol is the second channel party.
Preferably, the supply price is increased from the manufacturer side or the initial channel side to the terminal seller side.
In addition, to achieve the above object, the present invention also provides a terminal, including: a memory, a processor, and a computer program stored on the memory and executable on the processor; the computer program when executed by the processor implements the steps of the dual-stage dual-track authorization method of the transaction assurance platform as described in any one of the above.
In addition, to achieve the above object, the present invention further provides a computer readable storage medium, having a computer program stored thereon, where the computer program is executed by a processor to implement the steps of the dual-stage dual-track authorization method of the transaction assurance platform according to any one of the above aspects.
In the technical scheme of the invention, the double-stage double-track authorization method of the transaction guarantee platform firstly responds to a first authorized quota request initiated by a first to-be-authorized party to a superior channel party, judges whether the number of authorized objects of the superior channel party is less than 2, meets the requirement of double-rule authorization when the number of authorized objects of the superior channel party is less than 2, and determines whether the superior channel party has the qualification of quota authorization to the first to-be-authorized party according to the first request authorized quota, the available authorized quota corresponding to the superior channel party and the preset authorization condition when receiving an authorization instruction fed back by the superior channel party according to the first authorized quota request; when the superior channel side is qualified for carrying out limit authorization on the first to-be-authorized side, calculating a first authorization limit and a first supply unit price granted by the superior channel side to the first to-be-authorized side according to the first request authorization limit and a preset limit amplification ratio, and feeding back the first authorization limit and the first supply unit price to the first to-be-authorized side; determining whether the first to-be-authorized party carries out payment operation according to the first request authorization amount according to the account transaction record of the first to-be-authorized party; if so, recording a first to-be-authorized party as a first channel party with a first authorization amount, correspondingly modifying the available authorization amount of the superior channel party, and sending a preset first refund guarantee protocol to the first channel party, wherein a providing and guaranteeing party of the first refund guarantee protocol is an superior corresponding to the superior channel party, and a guaranteed party of the first refund guarantee protocol is the first channel party; when a refund guarantee request is initiated by a superior channel corresponding to the superior channel in the first channel direction, the refund guarantee request is forwarded to a preset receiver according to the first refund guarantee protocol so as to realize a double-stage authorization requirement. Therefore, in the technical scheme of the invention, a manufacturer can realize authorization control and control of all levels of channel parties through the transaction guarantee platform, and can provide refund guarantee service for all levels of channel parties, thereby being beneficial to solving the problem that the business risk of all levels of channel parties cannot be guaranteed in the process of authorization and management of merchants on all levels of channel parties.
Drawings
FIG. 1 is a schematic flow chart of a first embodiment of a dual-stage dual-track authorization method of a transaction assurance platform according to the present invention;
FIG. 2 is a flowchart illustrating a second embodiment of a dual-stage dual-track authorization method of the transaction assurance platform according to the present invention;
FIG. 3 is a flow chart of a third embodiment of a dual-stage dual-track authorization method of the transaction assurance platform according to the present invention;
FIG. 4 is a flowchart illustrating a fourth embodiment of a dual-stage dual-track authorization method of the transaction assurance platform according to the present invention;
FIG. 5 is a flow chart illustrating a fifth embodiment of a dual-stage dual-track authorization method of the transaction assurance platform according to the present invention;
FIG. 6 is a flowchart illustrating a sixth embodiment of a dual-stage dual-track authorization method of the transaction assurance platform according to the present invention;
fig. 7 is a schematic block diagram of a terminal according to an embodiment of the present invention.
The objects, features and advantages of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in itself. Thus, "module", "component" or "unit" may be used mixedly.
Referring to fig. 1, to achieve the above object, a first embodiment of the present invention provides a dual-stage dual-track authorization method for a transaction assurance platform, including the following steps:
step S10, responding to a first request of authorization limit initiated by the first to-be-authorized party to the superior channel party; wherein, the first request authorization quota is recorded in the first authorization quota request;
step S20, judging whether the number of authorized objects of the superior channel side is less than 2;
when the number of the authorized objects of the superior channel party is less than 2, executing step S30, and when receiving an authorization instruction fed back by the superior channel party according to the first authorization limit request, determining whether the superior channel party has the limit authorization qualification to the first to-be-authorized party according to the first request authorization limit, the available authorization limit corresponding to the superior channel party, and a preset authorization condition;
when the superior channel side is qualified for performing credit authorization to the first to-be-authorized side, executing step S40, calculating a first authorization credit and a first supply price granted to the first to-be-authorized side by the superior channel side according to the first request authorization credit and a preset credit amplification ratio, and feeding back the first authorization credit and the first supply price to the first to-be-authorized side;
step S50, determining whether the first to-be-authorized party performs payment operation according to the first request authorization amount according to the account transaction record of the first to-be-authorized party;
if yes, executing step S60, recording the first to-be-authorized party as a first channel party with a first authorization quota, correspondingly modifying the available authorization quota of the superior channel party, and sending a preset first refund guarantee protocol to the first channel party; the providing party of the first refund guarantee protocol is a superior party corresponding to the superior channel party, and the secured party of the first refund guarantee protocol is the first channel party;
step S70, when the first channel sends a refund guarantee request to the upper level corresponding to the upper level channel, the refund guarantee request is forwarded to a preset receiver according to the first refund guarantee protocol; wherein, the refund guarantee request records the refund request amount.
In the technical scheme of the invention, the double-stage double-track authorization method of the transaction guarantee platform firstly responds to a first authorized quota request initiated by a first to-be-authorized party to a superior channel party, judges whether the number of authorized objects of the superior channel party is less than 2, meets the requirement of double-rule authorization when the number of authorized objects of the superior channel party is less than 2, and determines whether the superior channel party has the qualification of quota authorization to the first to-be-authorized party according to the first request authorized quota, the available authorized quota corresponding to the superior channel party and the preset authorization condition when receiving an authorization instruction fed back by the superior channel party according to the first authorized quota request; when the superior channel side is qualified for carrying out limit authorization on the first to-be-authorized side, calculating a first authorization limit and a first supply unit price granted by the superior channel side to the first to-be-authorized side according to the first request authorization limit and a preset limit amplification ratio, and feeding back the first authorization limit and the first supply unit price to the first to-be-authorized side; determining whether the first to-be-authorized party carries out payment operation according to the first request authorization amount according to the account transaction record of the first to-be-authorized party; if so, recording a first to-be-authorized party as a first channel party with a first authorization amount, correspondingly modifying the available authorization amount of the superior channel party, and sending a preset first refund guarantee protocol to the first channel party, wherein a providing and guaranteeing party of the first refund guarantee protocol is an superior corresponding to the superior channel party, and a guaranteed party of the first refund guarantee protocol is the first channel party; when a refund guarantee request is initiated by a superior channel corresponding to the superior channel in the first channel direction, the refund guarantee request is forwarded to a preset receiver according to the first refund guarantee protocol so as to realize a double-stage authorization requirement. Therefore, in the technical scheme of the invention, a manufacturer can realize authorization control and control of all levels of channel parties through the transaction guarantee platform, and can provide refund guarantee service for all levels of channel parties, thereby being beneficial to solving the problem that the business risk of all levels of channel parties cannot be guaranteed in the process of authorization and management of merchants on all levels of channel parties.
After a manufacturer party or an initial channel direction transaction guarantee platform obtains authorization qualification, the manufacturer party or the initial channel direction transaction guarantee platform can continue authorization to channel parties at all levels step by step, each level authorizes the quota of a subordinate first level, each level undertakes a refund responsibility to a subordinate second level, and a two-level authorization control mode is achieved. The number of the lower channel parties of each channel party is two except for the manufacturer party or the initial channel party, so as to implement a dual-track authorization control mode, which is a combination of the dual-track authorization control mode and the dual-track authorization control mode, that is, the dual-track authorization mode in this embodiment.
The scale of each layer is the same as the supply price. Amplifying the authorized amount between the upper and lower levels according to a preset amount amplification ratio, for example, when the preset amount amplification ratio is 1:10, if the authorized amount applied to the first channel party by the second channel party is 10 ten thousand, the first channel party needs to transfer 1 ten thousand of amount from the amount of the first channel party to the second channel party, and the first channel party earns 9 ten thousand of profits by selling 1 thousand of amount to the second channel party; when the preset credit amplification ratio is 1:5, if the second channel applies for 10 thousands of authorized credits to the first channel, the first channel needs to transfer 2 thousands of credits from the credit of the first channel to the second channel, and the first channel earns 8 thousands of profits by selling the 2 thousands of credits to the second channel. The amplification ratio of the quota between every two adjacent levels can be the same or different, or can be changed according to the setting of the quota transferor.
Further, the supply unit price is gradually increased from the manufacturer side or the initial channel side to the terminal seller side. So as to ensure that each level of channel can obtain profit through credit authorization.
The refund guarantee agreement appoints a guarantee party, a guaranteed party and a refund proportion, wherein the guarantee party is a limit selling party, and the guaranteed party is a limit obtaining party. Furthermore, refund conditions can be further agreed in the refund guarantee agreement. When the fifth channel sends a refund guarantee request to a third channel party, judging whether the fifth channel party meets refund conditions or not according to the refund guarantee protocol and the refund request limit; and when the fifth channel party meets the refund condition, calculating the refund amount of the third channel party, and transferring the refund amount transferred from the account corresponding to the third channel party to the account of the fifth channel party. Further, the non-return of goods or other terms can be further regulated in the refund guarantee agreement.
The receiving party of the refund guarantee request in this embodiment may be an upper level corresponding to an upper level channel party of the first channel party, or may be a manufacturer party or an initial channel party, which is not limited herein.
The preset authorization condition may be determined according to a need, for example, the preset authorization condition may be that an authorization amount corresponding to the superior channel party satisfies a preset amount, a level of the superior channel party satisfies a preset level, or that a maximum amount allowed by the superior channel party reaches a first request authorization amount.
Referring to fig. 2, based on the first embodiment of the dual-level and dual-track authorization method of the transaction assurance platform of the present invention, in the second embodiment of the dual-level and dual-track authorization method of the transaction assurance platform of the present invention, the chain authorization method of the transaction assurance platform further includes:
step S80, when the first channel side initiates a goods pick-up request to a manufacturer side or an initial channel side, the first authorization amount of the first channel side is modified according to the goods pick-up amount and the first supply unit price in the goods pick-up request.
Specifically, each level of channel side can initiate a pickup request to the manufacturer side and also can initiate a pickup request to the initial channel side, where the pickup request includes the pickup quantity and the supply unit price (when the first channel side initiates the pickup request, the supply unit price is the first supply unit price). Since the channel party deducts its own authorization amount, it is necessary to deduct its own goods-drawing amount, which is the product of the goods-drawing quantity and the supply unit price, from its own authorization amount.
Referring to fig. 3, based on the first embodiment or the second embodiment of the dual-stage dual-track authorization method of the transaction assurance platform of the present invention, in a third embodiment of the dual-stage dual-track authorization method of the transaction assurance platform of the present invention, the chain authorization method of the transaction assurance platform further includes:
step S90, after the superior channel party refunds to the first channel party, determining whether the superior channel party initiates a refund guarantee request to the corresponding superior level;
if yes, step S100 is executed to determine whether the refund guarantee request meets a preset tracing condition.
Further, the preset tracing condition is to allow the refund guarantee request of any channel party to trace to the upper two levels.
After the superior corresponding to the superior channel party undertakes the refund responsibility of the first channel party, the refund responsibility can be continuously traced upwards, and if the refund responsibility meets the preset tracing condition, the refund loss of the superior channel party can be guaranteed by the superior channel party, the manufacturer party or the initial channel party, so that the benefit of each level of channel party can be guaranteed.
Referring to fig. 4, in a fourth embodiment of the dual-stage dual-rail authorization method for a transaction assurance platform according to the present invention, before step S10, the method further includes:
step S110, judging whether a manufacturer side or an initial channel side pays an authorization deposit to the transaction security platform;
if yes, step S120 is executed, and equal-amount supply quota is granted to the manufacturer side or the initial channel side according to the authorization guarantee fund, so that the manufacturer or the initial channel side can authorize quota to a subordinate channel side.
The manufacturer or the initial channel side pays the authorization deposit to the transaction guarantee platform to obtain the equal-amount supply amount with the authorization deposit, so that the whole sale chain obtains the initial authorization amount. After the supply quota of the manufacturer or the initial channel is used up, or when the supplier is required to be supplemented, the authorization deposit is paid to the transaction guarantee platform again, so that equal-quota supply quota is obtained again, and authorization to the subordinate channel is guaranteed smoothly. Similarly, each level of channel can also initiate a credit authorization request to the upper level of channel again after its credit is used up or when it needs to supplement credit. Further, when the channel A receives the request for authorization of the quota initiated by the channel A at the next level, if the system judges that the authorized quota of the channel A is not enough for authorization, the system can send a quota supplementing prompt to the channel A.
Referring to fig. 5, in a fifth embodiment of the dual-stage dual-rail authorization method for a transaction assurance platform according to the present invention, before step S10, the method further includes:
step S130, obtaining the identification material uploaded by the first party to be authorized and the verification result of the identification material;
step S140, determining whether the first party to be authorized passes identity authentication according to the verification result;
when the first to-be-authorized party is authenticated, step S10 is executed.
In order to reduce the risk of operation, each party to be authorized may be authenticated. The identification material is provided in accordance with a predetermined category of transaction assurance platform, and may be, for example, an identification card, a driver's license, or a passport. After the identity authentication, the party to be authorized has the qualification of applying for the authorized amount, so that the authorization control based on the transaction guarantee platform is more transparent.
Referring to fig. 6, in a sixth embodiment of the dual-stage dual-rail authorization method for a transaction assurance platform according to any one of the first to fifth embodiments of the dual-stage dual-rail authorization method for a transaction assurance platform of the present invention, the method further includes:
step S150, responding a second authorization limit request initiated by a second channel party to be authorized; wherein, the second request authorization quota is recorded in the second authorization quota request;
step S160, judging whether the number of the authorized objects of the first channel side is less than 2;
when the number of the authorized objects of the first channel party is less than 2, executing step S170, and when receiving an authorization instruction fed back by the first channel party according to the second authorization quota request, determining whether the first channel party has a qualification for quota authorization to the second to-be-authorized party according to the second authorization quota request, an available authorization quota corresponding to the first channel party, and a preset authorization condition;
when the first channel side has the qualification of carrying out limit authorization to the second to-be-authorized side, executing step S180, calculating a second authorization limit and a second supply unit price granted to the second to-be-authorized side by the first channel side according to the second request authorization limit and a preset limit amplification ratio, and feeding back the second authorization limit and the second supply unit price to the second to-be-authorized side;
step S190, determining whether the second party to be authorized carries out payment operation according to the second request authorization amount according to the account transaction record of the second party to be authorized;
if yes, executing step S200, recording a second party to be authorized as a second channel party with a second authorization limit, correspondingly modifying the available authorization limit of the first channel party, and sending a preset second refund guarantee protocol to the second channel party; the providing and guaranteeing party of the second refund guarantee protocol is the superior channel party, and the guaranteed party of the second refund guarantee protocol is the second channel party.
After obtaining the quota authorization, the channel parties at all levels can continue to authorize the authorization quota owned by the channel parties to the next party to be authorized. The authorization waiting party can be a channel party which has obtained the authorization of the quota, and can also be a new joining party which has not obtained the authorization of the quota. And when the new joining party obtains the first credit authorization and initiates the credit authorization request again, the identity authentication is not required to be carried out again so as to avoid repeating the link of the identity authentication.
The preset authorization condition may be determined according to a need, for example, the preset authorization condition may be that an authorization amount corresponding to the first channel party meets a preset amount, a level of the first channel party meets a preset level, or that a maximum amount allowed by the first channel party reaches a second request authorization amount.
In addition, to achieve the above object, the present invention also provides a terminal, a memory, a processor, and a computer program stored on the memory and executable on the processor; the computer program, when executed by the processor, implements the steps of the dual-level dual-track authorization method of the transaction assurance platform as described in any of the above embodiments.
Since the technical solution of the terminal in this embodiment at least includes all technical solutions of the above-mentioned embodiments of the dual-stage dual-track authorization method for a transaction assurance platform, all technical effects of the above embodiments are at least achieved, and details are not repeated here.
Referring to fig. 7, in some embodiments, the terminal may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002, and a network share module 1006. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the front end acquires data through the user interface 1003. The network interface 1004 comprises a standard wired interface and may optionally comprise a standard wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the terminal structure shown in fig. 7 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.
Furthermore, to achieve the above object, the present invention further provides a computer-readable storage medium having a computer program stored thereon, where the computer program is executed by a processor to implement the steps of any one of the first to eighth embodiments of the dual-stage dual-track authorization method of the transaction assurance platform.
Since the technical solution of the computer-readable storage medium of this embodiment at least includes all technical solutions of the above-mentioned embodiments of the dual-stage dual-track authorization method for a transaction assurance platform, at least all technical effects of the above embodiments are achieved, and details are not repeated here.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. 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 computer-readable storage medium (such as ROM/RAM, magnetic disk, optical disk) as described above, and includes several instructions for enabling a terminal device to enter the method according to the embodiments of the present invention.
In the description herein, references to the description of the term "one embodiment," "another embodiment," or "first through xth embodiments," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, method steps, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system 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 system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
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.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (7)
1. A dual-stage dual-rail authorization method for a transaction assurance platform, characterized in that a computer program stored on a memory and executable on a processor triggers the method when executed; after a manufacturer party or an initial channel direction transaction guarantee platform obtains authorization qualification, continuously authorizing channel parties at all levels step by step, authorizing the first subordinate level by limit at each level, and bearing refund responsibility for the second subordinate level by each level so as to realize a two-level authorization control mode; except for a manufacturer side or an initial channel side, the number of lower channel sides of each channel side is two, so that a double-track authorization control mode is realized; the double-stage authorization control mode is combined with the double-track authorization control mode, namely the double-stage double-track authorization mode; the manufacturer or the initial channel side pays the authorization deposit to the transaction guarantee platform to obtain the equal-amount supply amount with the authorization deposit, so that the whole sale chain obtains the initial authorization amount; after the supply quota of the manufacturer or the initial channel is used up or when the supplier quota needs to be supplemented, the authorization guarantee deposit is paid to the transaction guarantee platform again, so that equal supply quota is obtained again to guarantee that authorization is smoothly carried out to the lower channel; after the channel side of each level uses up its own quota, or when it needs to supplement the quota, it initiates a quota authorization request to the channel side of the upper level again; the method comprises the following steps:
responding a first authorization limit request initiated by a first to-be-authorized party to a superior channel party; wherein, the first request authorization quota is recorded in the first authorization quota request;
judging whether the number of the authorized objects of the superior channel side is less than 2;
when the number of the authorized objects of the superior channel party is less than 2 and an authorization instruction fed back by the superior channel party according to the first authorization limit request is received, determining whether the superior channel party has the limit authorization qualification to the first to-be-authorized party according to the first request authorization limit, the available authorization limit corresponding to the superior channel party and a preset authorization condition;
when the superior channel side is qualified for carrying out limit authorization on the first to-be-authorized side, calculating a first authorization limit and a first supply unit price granted by the superior channel side to the first to-be-authorized side according to the first request authorization limit and a preset limit amplification ratio, and feeding back the first authorization limit and the first supply unit price to the first to-be-authorized side;
determining whether the first to-be-authorized party carries out payment operation according to the first request authorization amount according to the account transaction record of the first to-be-authorized party;
if so, recording the first to-be-authorized party as a first channel party with a first authorization amount, correspondingly modifying the available authorization amount of the superior channel party, and sending a preset first refund guarantee protocol to the first channel party; the providing party of the first refund guarantee protocol is a superior party corresponding to the superior channel party, and the secured party of the first refund guarantee protocol is the first channel party;
when a refund guarantee request is initiated to a superior channel side corresponding to the superior channel side from the first channel side, forwarding the refund guarantee request to a preset receiver according to the first refund guarantee protocol; wherein, the refund guarantee request records the refund request amount;
the chain authorization method of the transaction guarantee platform further comprises the following steps:
when the first channel side initiates a goods picking request to a manufacturer side or an initial channel side, modifying a first authorization limit of the first channel side according to the goods picking quantity and a first goods supplying unit price in the goods picking request;
the double-stage double-track authorization method of the transaction guarantee platform further comprises the following steps:
after the upper level corresponding to the upper level channel party refunds to the first channel party, judging whether the upper level corresponding to the upper level channel party initiates a refund guarantee request again to the upper two levels corresponding to the upper level channel party;
if yes, judging whether the refund guarantee request meets a preset tracing condition or not, wherein the preset tracing condition is that the refund guarantee request of any channel party is allowed to trace to the upper two levels.
2. The dual-stage dual-track authorization method for the transaction assurance platform of claim 1, wherein the step of responding to the first request for authorized credit initiated by the first party to the superior channel is preceded by the steps of:
judging whether a manufacturer party or an initial channel party pays an authorization deposit to the transaction guarantee platform or not;
if yes, equal-amount supply quota is granted to the manufacturer side or the initial channel side according to the authorization guarantee fund, so that the manufacturer or the initial channel side can authorize quota to a subordinate channel side.
3. The dual-stage dual-track authorization method for the transaction assurance platform of claim 1 or 2, wherein the step of responding to the first request to be authorized to initiate the first authorized credit to the superior channel further comprises:
acquiring the identity authentication material uploaded by the first party to be authorized and an audit result of the identity authentication material;
determining whether the first party to be authorized passes identity authentication according to the verification result;
and when the first to-be-authorized party passes the identity authentication, executing the step of responding the first authorized limit request initiated by the first to-be-authorized party to the superior channel party.
4. The dual-stage dual-rail authorization method for a transaction assurance platform of claim 1 or 2, further comprising:
responding a second request of authorized amount initiated by a second party to be authorized to the first channel party; wherein, the second request authorization quota is recorded in the second authorization quota request;
judging whether the number of the authorized objects of the first channel side is less than 2;
when the number of the authorized objects of the first channel party is less than 2 and an authorization instruction fed back by the first channel party according to the second authorization limit request is received, determining whether the first channel party has the limit authorization qualification to the second party to be authorized according to the second request authorization limit, the available authorization limit corresponding to the first channel party and a preset authorization condition;
when the first channel side has the qualification of carrying out limit authorization on the second to-be-authorized side, calculating a second authorization limit and a second supply unit price granted by the second to-be-authorized side to the first channel side according to the second request authorization limit and a preset limit amplification ratio, and feeding back the second authorization limit and the second supply unit price to the second to-be-authorized side;
determining whether the second party to be authorized carries out payment operation according to the second request authorization amount according to the account transaction record of the second party to be authorized;
if so, recording a second party to be authorized as a second channel party with a second authorization amount, correspondingly modifying the available authorization amount of the first channel party, and sending a preset second refund guarantee protocol to the second channel party; the providing and guaranteeing party of the second refund guarantee protocol is the superior channel party, and the guaranteed party of the second refund guarantee protocol is the second channel party.
5. The dual-stage dual-track authorization method for the transaction assurance platform of claim 1 or 2, wherein the supply unit price is increased from the supplier or initial channel to the terminal seller.
6. A terminal, comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor; the computer program when executed by the processor implements the steps of the dual-stage dual-track authorization method of the transaction assurance platform of any of claims 1 to 5.
7. A computer-readable storage medium, having stored thereon a computer program which, when executed by a processor, implements the steps of the dual-stage dual-track authorization method of a transaction assurance platform of any one of claims 1 to 5.
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