CN109345309B - Transaction guarantee platform, account management and control method thereof, terminal and readable storage medium - Google Patents
Transaction guarantee platform, account management and control method thereof, terminal and readable storage medium Download PDFInfo
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Abstract
The invention discloses an account control method of a transaction guarantee platform based on chain authorization, which comprises the following steps: responding to the account reddening instruction, and acquiring refund guarantee protocols of a superior channel party and a subordinate channel party according to the superior channel party and the subordinate channel party recorded in the account reddening instruction; determining whether a superior channel side meets a preset account bonus condition or not according to a refund guarantee protocol and a guarantee record; calculating the dividend limit of a superior channel side from a subordinate channel side according to a preset dividend protocol; transferring the dividend quota transferred by the lower channel party to the upper channel party; and when the red separating processing result does not accord with the red separating protocol, sending an arbitration request to a preset party. The invention also discloses a transaction guarantee platform, a terminal and a storage medium. The technical scheme of the invention aims to solve the problems that after each level of channel party obtains the sales quota authorization of a merchant, the sales profits of the channel parties are mastered by the user, and the superior of each level of channel party cannot obtain the dividend according to the sales profits of each level of channel parties.
Description
Technical Field
The invention relates to the technical field of computers, in particular to an account control method of a transaction security platform based on chain authorization, a transaction security platform, a terminal and a computer readable storage medium applying the account control method of the transaction security platform based on chain authorization.
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 and control of merchants to channel parties at all levels in the prior art are usually realized through a manual management and control mode, in the manual authorization and control process, after the channel parties at all levels obtain sales quota authorization of the merchants, sales profits of the channel parties at all levels are mastered by themselves, and superior levels of the channel parties at all levels cannot obtain dividends according to the sales profits of the channel parties at all levels.
Disclosure of Invention
The invention mainly aims to provide an account control method of a transaction guarantee platform based on chain authorization, and aims to solve the problems that after all levels of channel parties obtain the sales quota authorization of merchants, the sales profits of all levels of channel parties are mastered by themselves, and the superior of all levels of channel parties cannot obtain bonus according to the sales profits of all levels of channel parties.
In order to achieve the above purpose, the account management and control method of the transaction security platform based on chain authorization provided by the invention comprises the following steps:
responding to an account reddening command initiated by a reddening requester, and acquiring a refund guarantee protocol related between a superior channel party and a subordinate channel party according to the superior channel party and the subordinate channel party recorded in the account reddening command;
acquiring a guarantee record between the upper channel party and the lower channel party, and determining whether the upper channel party meets a preset account bonus condition according to the refund guarantee protocol and the guarantee record;
when the superior channel side meets the preset reddening condition, calculating the reddening amount of the superior channel side from the subordinate channel side according to a preset reddening protocol;
transferring the dividend quota transferred by the lower channel party to the upper channel party;
and obtaining a reddening processing result fed back by the superior channel party, and sending an arbitration request to a preset party when the reddening processing result does not accord with the reddening protocol.
Preferably, the step of determining whether the superior channel side meets a preset account bonus condition according to the refund guarantee protocol and the guarantee record includes:
judging whether the subordinate channel party initiates a refund request according to the refund guarantee protocol or not according to the refund guarantee protocol and the guarantee record;
when the lower channel party does not initiate a refund request, acquiring the payment amount of the lower channel party for purchasing the authorized amount and the collection amount of the lower channel party for selling the authorized amount or goods;
and determining whether the superior channel side meets a preset account bonus condition or not according to the payment amount, the collection amount and a preset bonus protocol of the inferior channel side.
Preferably, the step of calculating the dividend limit of the superior channel side from the subordinate channel side according to a preset dividend protocol includes:
acquiring a red separating mode selected by the superior channel party;
when the red separating mode selected by the superior channel side is a cash red separating mode, calculating the cash red separating amount of the superior channel side from the inferior channel side according to the payment amount, the collection amount and the red separating protocol of the inferior channel side;
the step of transferring the dividend quota transferred from the subordinate channel side to the superior channel side includes:
and acquiring the account of the superior channel party and the account of the inferior channel party, and transferring the cash dividend amount from the account of the inferior channel party to the account of the superior channel party.
Preferably, the step of calculating a cash dividend amount dividend to the superior channel side by the subordinate channel side according to the payment amount, the collection amount, and the dividend agreement of the subordinate channel side includes:
determining a profit margin of the subordinate channel according to a difference between the payment amount and the collection amount of the subordinate channel;
determining the red sharing proportion of the superior channel party according to the profit margin and the red sharing protocol;
and calculating the cash dividend amount of the subordinate channel to the superior channel according to the dividend proportion and the payment amount of the subordinate channel for purchasing the authorized amount.
Preferably, after the step of determining whether the subordinate channel initiates the refund request according to the refund guarantee protocol and the guarantee record, the method further includes:
and when the lower channel party initiates a refund request, sending a signal for refusing to carry out account bonus to the upper channel party.
Preferably, before the step of responding to an account dividend instruction initiated by a dividend requester and acquiring a refund guarantee protocol associated between a superior channel party and a subordinate channel party according to the superior channel party and the corresponding subordinate channel party recorded in the account dividend instruction, the method further includes:
and triggering the account reddening instruction when the timing time reaches a preset reddening period.
Preferably, before the step of responding to an account dividend instruction initiated by a dividend requester and acquiring a refund guarantee protocol associated between a superior channel party and a subordinate channel party according to the superior channel party and the corresponding subordinate channel party recorded in the account dividend instruction, the method further includes:
according to the refund guarantee protocol, obtaining a goods-taking record or an authorized amount selling record of the authorized amount purchased by the lower-level channel party;
judging whether the surplus limit of the authorized limit purchased by the lower channel side is smaller than a preset threshold value or not according to the goods-taking record or the selling record;
and when the residual amount is smaller than a preset threshold value, triggering the account bonus instruction.
In addition, in order to achieve the above object, the present invention further provides a transaction assurance platform, which applies any one of the above account management and control methods of the transaction assurance platform based on chain authorization.
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 method for account management of a chain authorization-based transaction assurance platform as defined in any 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, when executed by a processor, implements the steps of the account management and control method for a chain authorization-based transaction assurance platform according to any one of the above embodiments.
In the technical scheme of the invention, the account control method of the transaction support platform based on chain authorization responds to an account reddening command initiated by a reddening requester, and acquires a refund support protocol associated between a higher-level channel party and a lower-level channel party according to the higher-level channel party and the corresponding lower-level channel party recorded in the account reddening command; whether the superior channel side meets the preset bonus condition or not can be determined according to the guarantee record and the refund guarantee protocol between the superior channel side and the inferior channel side, when the superior channel side meets the preset account bonus condition, the bonus limit of the superior channel side can be calculated according to the preset bonus protocol, and the bonus limit is transferred to the account of the superior channel side. Therefore, the technical scheme of the invention can finish the account bonus sharing operation according to the pre-refund guarantee agreement and the guarantee record, and is beneficial to solving the problems that after each level of channel party obtains the sales quota authorization of the merchant, the sales profits of each level of channel party are mastered by the channel party, and the superior of each level of channel party cannot obtain bonus sharing according to the sales profits of each level of channel party.
Drawings
FIG. 1 is a schematic flowchart of a first embodiment of an account management and control method for a transaction assurance platform based on chain authorization according to the present invention;
FIG. 2 is a flowchart illustrating a second embodiment of an account management and control method for a transaction assurance platform based on chain authorization according to the present invention;
FIG. 3 is a flowchart illustrating a third embodiment of an account management and control method for a transaction assurance platform based on chain authorization according to the present invention;
FIG. 4 is a schematic flowchart of a fourth embodiment of an account management and control method for a transaction assurance platform based on chain authorization according to the present invention;
FIG. 5 is a flowchart illustrating a fifth embodiment of an account management and control method for a transaction assurance platform based on chain authorization according to the present invention;
fig. 6 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 an account management and control method for a transaction assurance platform based on chain authorization, including the following steps:
step S10, responding to an account dividend instruction initiated by a dividend requester, and acquiring a refund guarantee protocol associated between a superior channel party and a subordinate channel party according to the superior channel party and the corresponding subordinate channel party recorded in the account dividend instruction;
step S20, acquiring a guarantee record between the superior channel party and the inferior channel party, and determining whether the superior channel party meets a preset account bonus condition according to the refund guarantee protocol and the guarantee record;
when the superior channel side meets the preset reddening condition, executing the step S30, and calculating the reddening limit of the superior channel side from the inferior channel side according to a preset reddening protocol;
step S40, transferring the dividend quota transferred from the lower channel side to the upper channel side;
and step S50, obtaining a reddening processing result fed back by the superior channel party, and sending an arbitration request to a preset party when the reddening processing result does not accord with the reddening protocol.
In the technical scheme of the invention, the account control method of the transaction support platform based on chain authorization responds to an account reddening command initiated by a reddening requester, and acquires a refund support protocol associated between a higher-level channel party and a lower-level channel party according to the higher-level channel party and the corresponding lower-level channel party recorded in the account reddening command; whether the superior channel side meets the preset bonus condition or not can be determined according to the guarantee record and the refund guarantee protocol between the superior channel side and the inferior channel side, when the superior channel side meets the preset account bonus condition, the bonus limit of the superior channel side can be calculated according to the preset bonus protocol, and the bonus limit is transferred to the account of the superior channel side. Therefore, the technical scheme of the invention can finish the account bonus sharing operation according to the pre-refund guarantee agreement and the guarantee record, and is beneficial to solving the problems that after each level of channel party obtains the sales quota authorization of the merchant, the sales profits of each level of channel party are mastered by the channel party, and the superior of each level of channel party cannot obtain bonus sharing according to the sales profits of each level of channel party.
After the manufacturer side or the initial channel side obtains the authorization qualification, the transaction guarantee platform can continuously authorize the channel sides of all levels step by step downwards to form a chain authorization structure with a plurality of levels, except the manufacturer side or the initial channel side, the number of each level is not limited, and the quota amplification ratio and the supply unit price of the same level are the same. 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 a subordinate channel side initiates a refund guarantee request to the superior channel side, whether the subordinate channel side meets the refund condition or not is judged according to the refund guarantee protocol and the refund request limit; and when the subordinate channel side meets the refund condition, calculating the refund amount of the superior channel side, and transferring the refund amount transferred from the account corresponding to the superior channel side to the account of the subordinate channel side. Further, the non-return of goods or other terms can be further regulated in the refund guarantee agreement.
The receiver of the arbitration request in this embodiment may be a transaction assurance platform side, an upper channel side, a manufacturer side, or an initial channel side, which is not limited herein.
Referring to fig. 2, in a first embodiment of the method for managing and controlling an account of a transaction security platform based on chain authorization of the present invention, and in a second embodiment of the method for managing and controlling an account of a transaction security platform based on chain authorization of the present invention, the step of determining whether the superior channel side meets a preset account bonus condition according to the refund security protocol and the security record in step S20 includes:
step S21, according to the refund guarantee agreement and the guarantee record, judging whether the subordinate channel side initiates a refund request according to the refund guarantee agreement;
when the subordinate channel does not initiate a refund request, executing step S22, obtaining the payment amount of the subordinate channel for purchasing the authorized amount and the collection amount of the subordinate channel for selling the authorized amount or goods;
and step S23, determining whether the superior channel side meets the preset account bonus condition according to the payment amount, the collection amount and the preset bonus agreement of the inferior channel side.
And according to the refund guarantee agreement and the guarantee record, whether the lower channel side has loss can be known. For example, when the subordinate channel does not initiate a refund request, it may be determined that the subordinate channel does not have an operation loss condition. If the subordinate channel side has no loss, the superior channel side meets the condition of obtaining the bonus from the sales performance of the subordinate channel side, so that the next step of account bonus can be carried out.
Specifically, the specific earning condition of the subordinate channel can be judged according to the payment amount of the subordinate channel for purchasing the authorized amount and the collection amount of the subordinate channel for selling the authorized amount or goods, when the payment amount is larger than or smaller than the collection amount, the subordinate channel is indicated to be not profitable, otherwise, when the payment amount is smaller than the collection amount, the subordinate channel is indicated to be profitable, and the account reddening condition can be met. Further, it may be determined whether the superior channel party should be paid a bonus based on the difference or quotient of the payment amount and the collection amount.
Referring to fig. 3, in a second embodiment of the method for managing and controlling an account of a transaction security platform based on chain authorization according to the present invention, and in a third embodiment of the method for managing and controlling an account of a transaction security platform based on chain authorization according to the present invention, the step S30 includes:
step S31, acquiring the red separating mode selected by the superior channel party;
step S32, when the red separating mode selected by the superior channel side is a cash red separating mode, calculating the cash red separating amount of the superior channel side from the inferior channel side according to the payment amount, the collection amount and the red separating agreement of the inferior channel side;
the step S40 of transferring the dividend quota transferred from the lower channel side to the upper channel side includes:
step S41, acquiring the account of the higher-level channel and the account of the lower-level channel, and transferring the cash dividend amount from the account of the lower-level channel to the account of the higher-level channel.
In this embodiment, the upper channel side may select a plurality of bonus manners, such as cash bonus and authorized credit bonus. Taking a cash dividend mode as an example, the determination method of the cash dividend amount in the dividend agreement may be agreed, for example, the agreed dividend amount may be transferred from the account of the subordinate channel party to the superior channel party as long as the subordinate channel party earns a profit. The appointed dividend amount can be a fixed amount or an indefinite amount, wherein the fixed amount is irrelevant to the profit amount of the lower channel party, and the fixed amount of cash dividend can be transferred from the account of the lower channel party to the account of the upper channel party as long as the upper channel party is determined to meet the dividend condition; the indefinite amount may be determined according to the profit amount of the subordinate channel party. For example, a partial proportion (e.g., 5%) of the difference between the amount of the collection and the amount of the payment may be transferred to the account of the superior channel party as the dividend amount; of course, the indefinite amount may also be determined according to a stepwise dividend manner, and the calculation manner of the cash dividend amount may be various, and is not limited specifically herein.
Referring to fig. 4, in a third embodiment of the method for managing and controlling an account of a transaction security platform based on chain authorization according to the present invention, and in a fourth embodiment of the method for managing and controlling an account of a transaction security platform based on chain authorization according to the present invention, the step S32 includes:
step S321, determining the profit margin of the subordinate channel party according to the difference between the payment amount and the collection amount of the subordinate channel party;
step S322, determining the dividend proportion of the superior channel party according to the profit margin and the dividend agreement;
and step S323, calculating the cash dividend amount dividend to the superior channel side from the inferior channel side according to the dividend proportion and the payment amount of the inferior channel side for purchasing the authorized amount.
In this embodiment, the calculation method of the cash dividend amount is provided, and the dividend proportions corresponding to different profit margins may be the same or different. The reddening proportion corresponding to different profit margins is different, and the reddening proportion can be increased in response when the profit margin is higher. For example, when the profit margin is [ 0%, 30% ], the reddening proportion is 5% of the net profit; when the profit margin is [ 31%, 60% ], the red separation proportion is 7% of the net profit; when the profit margin is [ 61%, 100% ], the reddening proportion is 9% of the net profit.
Referring to fig. 5, in accordance with any one of the second to fourth embodiments of the account management method for a transaction security platform based on chain authorization of the present invention, in a fifth embodiment of the account management method for a transaction security platform based on chain authorization of the present invention, after the step S21, the method further includes:
when the lower channel side initiates a refund request, step S24 is executed to send a signal for refusing to credit the upper channel side.
The lower channel side initiates a refund request, which indicates that the lower channel side has a loss condition, and at the moment, in order to ensure the rights and interests of the lower channel side, the system can directly send a signal for refusing to carry out account bonus to the upper channel side. Further, when a refund request is initiated by a subordinate channel party and a refund is received, it can be determined that the subordinate channel party really has a loss condition, and a signal for refusing to carry out account bonus to the superior channel party can be directly sent out by the system.
Based on any one of the first to fifth embodiments of the method for managing and controlling an account of a transaction security platform based on chain authorization, in a sixth embodiment of the method for managing and controlling an account of a transaction security platform based on chain authorization, before the step S10, the method further includes:
and step S60, when the timing time reaches a preset reddening period, triggering the account reddening instruction.
The account reddening instruction may be triggered in a variety of ways, for example, automatically when a reddening cycle is reached. The reddening period may be set as needed, and may be, for example, one month, three months, half a year, or one year. And each level under the whole chain authorization can be subjected to red separation according to a uniformly set red separation period.
Based on any one of the first to sixth embodiments of the method for managing and controlling an account of a transaction security platform based on chain authorization, in a seventh embodiment of the method for managing and controlling an account of a transaction security platform based on chain authorization, before the step S10, the method further includes:
step S70, obtaining the goods-taking record or the selling record of the authorized amount purchased by the subordinate channel according to the refund guarantee agreement;
step S80, judging whether the surplus limit of the authorization limit purchased by the subordinate channel side is smaller than a preset threshold value according to the delivery record or the selling record;
and step S90, when the residual amount is smaller than a preset threshold value, triggering the account bonus instruction.
The preset threshold may be a default value, or may be set as needed. Furthermore, a mapping relation table between the preset threshold and the authorized amount interval purchased by the subordinate channel party can be set, so that the preset threshold presents response changes along with the authorized amount purchased by the subordinate channel party. For example, the preset threshold is correspondingly increased when the authorized amount purchased by the subordinate channel is higher, and otherwise, the preset threshold is correspondingly decreased.
The triggering of the account reddening instruction can be further triggered according to the request of the superior channel party, or can be triggered according to a reddening period and the request of the superior channel party, and the combination of the two triggering modes can meet the requirements of the superior channel party for reddening according to a fixed period and for random reddening.
In addition, in order to achieve the above object, the present invention further provides a transaction assurance platform, which applies any one of the above account management and control methods of the transaction assurance platform based on chain authorization. Since the technical solution of the transaction support platform in this embodiment at least includes all technical solutions of the above embodiment of the account management and control method of the transaction support platform based on chain authorization, all technical effects of the above embodiment are at least achieved, and details are not repeated here.
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 method for account management of a chain authorization-based transaction assurance platform according to any of the embodiments described above.
Since the technical solution of the terminal in this embodiment at least includes all technical solutions of the above embodiment of the account management and control method for a transaction support platform based on chain authorization, all technical effects of the above embodiment are at least achieved, and details are not repeated here.
Referring to fig. 6, 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. 6 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
Further, to achieve the above object, the present invention also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of any one of the first to eighth embodiments of the account management and control method for a transaction assurance platform based on chain authorization as described above.
Since the technical solution of the computer-readable storage medium in this embodiment at least includes all technical solutions of the above embodiment of the account management and control method for a transaction security platform based on chain authorization, at least all technical effects of the above embodiment 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 (4)
1. An account control method of a transaction guarantee platform based on chain authorization is characterized in that a computer program which is stored on a memory and can run on a processor is executed to trigger the method, after a manufacturer side or an initial channel side obtains authorization qualification from the transaction guarantee platform, the manufacturer side or the initial channel side can continuously authorize channels of all levels step by step downwards to form a chain authorization structure with a plurality of levels, except the manufacturer side or the initial channel side, the number of each level is not limited, and the quota amplification ratio and the supply unit price of the same level are the same; amplifying the authorized credit between the upper and lower levels according to a preset credit amplification ratio; the refund guarantee agreement appoints a guarantee party, a guaranteed party and a refund proportion, wherein the guarantee party is a quota selling party, and the guaranteed party is a quota obtaining party; the refund condition is agreed in the refund guarantee agreement; when a subordinate channel side initiates a refund guarantee request to a superior channel side, judging whether the subordinate channel side meets the refund condition or not according to the refund guarantee protocol and the refund request limit; when the subordinate channel side meets the refund condition, calculating the refund amount of the superior channel side, and transferring the refund amount transferred from the account corresponding to the superior channel side to the account of the subordinate channel side; the method comprises the following steps:
responding to an account reddening command initiated by a reddening requester, and acquiring a refund guarantee protocol related between a superior channel party and a subordinate channel party according to the superior channel party and the subordinate channel party recorded in the account reddening command;
acquiring a guarantee record between the upper channel side and the lower channel side, and determining whether the upper channel side meets a preset account reddening condition according to the refund guarantee protocol and the guarantee record, wherein whether the lower channel side suffers from loss is determined according to the refund guarantee protocol and the guarantee record, when the lower channel side does not initiate a refund request, it is determined that the lower channel side does not have an operation loss condition, and if the lower channel side does not suffer from loss, the upper channel side meets the condition of obtaining reddening from a sales performance of the lower channel side; when a lower channel party initiates a refund request, indicating that the lower channel party has a loss condition, and directly sending a signal for refusing to carry out account reddening to the upper channel party by a system in order to ensure the rights and interests of the lower channel party;
when the superior channel side meets the preset reddening condition, calculating the reddening amount of the superior channel side from the subordinate channel side according to a preset reddening protocol;
transferring the dividend quota transferred by the lower channel party to the upper channel party;
obtaining a reddening processing result fed back by the superior channel party, and sending an arbitration request to a preset party when the reddening processing result does not accord with the reddening protocol;
the step of determining whether the superior channel side meets a preset account bonus condition or not according to the refund guarantee protocol and the guarantee record comprises the following steps: judging whether the subordinate channel party initiates a refund request according to the refund guarantee protocol or not according to the refund guarantee protocol and the guarantee record;
when the lower channel party does not initiate a refund request, acquiring the payment amount of the lower channel party for purchasing the authorized amount and the collection amount of the lower channel party for selling the authorized amount or goods; determining whether the superior channel side meets a preset account bonus condition or not according to the payment amount, the collection amount and a preset bonus protocol of the inferior channel side;
the step of calculating the dividend limit of the superior channel side from the subordinate channel side according to a preset dividend protocol comprises the following steps: acquiring a red separating mode selected by the superior channel party; when the red separating mode selected by the superior channel side is a cash red separating mode, calculating the cash red separating amount of the superior channel side from the inferior channel side according to the payment amount, the collection amount and the red separating protocol of the inferior channel side; the step of transferring the dividend quota transferred from the subordinate channel side to the superior channel side includes: acquiring an account of the superior channel party and an account of the inferior channel party, and transferring the cash dividend amount from the account of the inferior channel party to the account of the superior channel party;
the step of calculating the cash dividend amount dividend by the superior channel party to the subordinate channel party according to the payment amount, the collection amount and the dividend agreement of the inferior channel party comprises the following steps: determining a profit margin of the subordinate channel according to a difference between the payment amount and the collection amount of the subordinate channel; determining the red sharing proportion of the superior channel party according to the profit margin and the red sharing protocol; calculating the cash dividend amount dividend of the subordinate channel to the superior channel according to the dividend proportion and the payment amount of the subordinate channel for purchasing an authorized amount;
after the step of judging whether the subordinate channel party initiates the refund request according to the refund guarantee protocol and the guarantee record, the method further comprises the following steps:
when the subordinate channel party initiates a refund request, a signal for refusing to carry out account bonus to the superior channel party is sent out;
before the step of responding to an account dividend instruction initiated by a dividend requester and acquiring a refund guarantee protocol associated between a superior channel party and a subordinate channel party according to the superior channel party and the corresponding subordinate channel party recorded in the account dividend instruction, the method further comprises the following steps: triggering the account reddening instruction when the timing time reaches a preset reddening period;
before the step of responding to an account dividend instruction initiated by a dividend requester and acquiring a refund guarantee protocol associated between a superior channel party and a subordinate channel party according to the superior channel party and the corresponding subordinate channel party recorded in the account dividend instruction, the method further comprises the following steps: according to the refund guarantee protocol, obtaining a goods-taking record or an authorized amount selling record of the authorized amount purchased by the lower-level channel party; judging whether the surplus limit of the authorized limit purchased by the lower channel side is smaller than a preset threshold value or not according to the goods-taking record or the selling record; and when the residual amount is smaller than a preset threshold value, triggering the account bonus instruction.
2. A transaction assurance platform, wherein the account management and control method of the transaction assurance platform based on chain authorization according to claim 1 is applied.
3. 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 method for account management of a chain authorization-based transaction assurance platform of claim 1.
4. A computer-readable storage medium, wherein a computer program is stored thereon, which when executed by a processor, implements the steps of the account management method for a chain authorization-based transaction assurance platform of claim 1.
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