CN109493097A - Guarantee method of commerce, device, equipment and storage medium based on buyer's grade - Google Patents
Guarantee method of commerce, device, equipment and storage medium based on buyer's grade Download PDFInfo
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- CN109493097A CN109493097A CN201811425347.5A CN201811425347A CN109493097A CN 109493097 A CN109493097 A CN 109493097A CN 201811425347 A CN201811425347 A CN 201811425347A CN 109493097 A CN109493097 A CN 109493097A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/01—Customer relationship services
- G06Q30/012—Providing warranty services
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The invention discloses a kind of guarantee method of commerce, device, equipment and storage mediums based on buyer's grade, wherein, guarantee method of commerce based on buyer's grade include: according to trading item provider provide presets authorization appointed information, obtain the trading item of the trading item provider trading item parameter and the trading item corresponding to guarantee type；Show the trading item parameter and the guarantee type of the trading item to terminal client in third-party platform based on guarantee type provided by the trading item；When terminal client the third-party platform carry out transactional operation when, obtain the grade of terminal client；According to the grade of the terminal client, matched guarantee contract is generated；Based on the signing for ensureing contract, transaction record is generated.Technical solution proposed by the present invention can provide the commodity for having the service of guarantee for buyer, can also ensure the equity of seller.
Description
Technical field
The present invention relates to internet business technical field more particularly to a kind of guarantee method of commerce based on buyer's grade,
Device, equipment and storage medium.
Background technique
With the rapid development of internet and universal, e-commerce (electric business) has obtained quick development in the whole world, well-known
Large enterprises and middle-size and small-size trade company introduce electric business, and electric business mode also becomes more and more diversified.Transaction content on internet
Also with the development trend of diversification, such as: physical commodity, virtual goods, various services, project for bidding, various commercial project
And its sub- items in commerce of each stage can become the object of transaction, as long as both parties reach demand relation.
But internet shopping haves the defects that certain again, for example the trading item bought do not have service guarantee.Although one
A little electric business platforms, such as Jingdone district have Insurance riders service, but the insurance is the insurance service that third party insurance company provides,
The insurance service is similar to an independent trading item, and equity could be obtained by needing to buy, and this insurance service is general
In All Activity project.In addition, there are also common trading item guarantees, the quality three guarantees write on inside the description of product are only included,
This is as defined in law compulsion.Currently, none guarantee service based on trading item ontology, so that buyer can not be obtained from
The guarantee service of body demand can not also trust purchase-transaction project for buyer, this makes, and some effects are slow, consume high transaction item
Mesh cannot get the favor of buyer.But likewise, if trading item is attached with service guarantee, it would be possible that there are client's malice
The equity of right-safeguarding, seller will be damaged.
Summary of the invention
The main purpose of the present invention is to provide a kind of guarantee method of commerce based on buyer's grade, device, equipment and deposit
Storage media, it is intended to which solving internet shopping cannot comprehensively ensure, so that the trading item that some effects are slow, consumption is high obtains not
To buyer favor the problem of.
To achieve the above object, a kind of guarantee method of commerce based on buyer's grade provided by the invention, including following step
It is rapid:
According to the authorization appointed information for the presets that trading item provider provides, the trading item provider is obtained
Trading item trading item parameter and the trading item corresponding to guarantee type；
The transaction item is shown to terminal client in third-party platform based on guarantee type provided by the trading item
Purpose trading item parameter and the guarantee type；
When terminal client the third-party platform carry out transactional operation when, obtain the grade of terminal client；
According to the grade of the terminal client, matched guarantee contract is generated；
Based on the signing for ensureing contract, transaction record is generated；Wherein, the transaction record includes in following record
One or more: the transaction record of the trading item, the guarantee based on the trading item for ensureing type, which is traded, to be remembered
Record, the third-party platform provide for the trading item based on the guarantee transaction record for ensureing type, and the authorization is about
Determine the guarantee side determined in information to provide for the trading item based on the guarantee transaction record for ensureing type.
Preferably, before the step of grade for obtaining terminal client further include:
Obtaining terminal client, the guarantee of conclusion of the business trading item is initiated to record；
Initiate to record the grade for determining terminal client according to described ensure.
Preferably, the trading item parameter includes trading item attribute, trading item picture and trading item price, institute
Stating trading item includes: at least one of physical commodity, virtual goods, service, commercial project；The guarantee type includes
At least one of protect effect, the gold that breaks even, protect reimbursement and protect the return of goods.
Preferably, the acquisition terminal client guarantee of conclusion of the business trading item, which is initiated to record, includes:
When the type of terminal client is amount authorization client, then when obtaining terminal client as trading item provider,
Purchase ensures that type is to protect the transaction record of the junior client of trading item of reimbursement；
According to the transaction record of the junior client and ensure that initiating record counts reimbursement rate and/or sales volume；
It is described to ensure that the step of initiating to record the grade for determining terminal client includes: according to described
According to the reimbursement rate and/or sales volume of junior client, the grade of terminal client is determined.
Preferably, the acquisition terminal client guarantee of conclusion of the business trading item, which is initiated to record, includes:
When the type of terminal client is not amount authorization client, then the guarantee of terminal client conclusion of the business trading item is obtained
Initiate record and to the checks of the records for ensureing and initiating to record；
Ensure that the step of initiating to record the grade for determining terminal client includes: according to described
According to the guarantee type initiated in record is ensured, the verification keywords database of the guarantee type is obtained；
Negative keyword is chosen from the verification keywords database, the checks of the records and the negative keyword are carried out
Fuzzy matching obtains the negative records in the checks of the records；
The grade of terminal client is determined according to the negative records.
Preferably, when the guarantee type is to protect effect, the negative keyword includes that effect is up to standard, false tracking
Any one of record；When the guarantee type is to protect reimbursement, the negative keyword is to initiate reimbursement without reason.
Preferably, the step of grade that terminal client is determined according to the negative records includes:
The secure initiation of institute is recorded the corresponding negative records to count, is obtained different negative records corresponding time
Number；
According to the number of different negative records and the examination weight of different negative records, it is corresponding to calculate the negative records
Total score；
According to the total score, the grade of terminal client is determined.
To achieve the above object, a kind of guarantee the transaction device based on buyer's grade provided by the invention, comprising:
Trading item acquisition module, the authorization appointed information of the presets for being provided according to trading item provider,
Obtain the trading item of the trading item provider trading item parameter and the trading item corresponding to guarantee type；
Trading item display module, for based on ensureing provided by the trading item type in third-party platform to end
Hold the trading item parameter and the guarantee type of trading item described in present customers；
Customer grade obtains module, for when terminal client is when the third-party platform carries out transactional operation, acquisition to be eventually
Hold the grade of client；
Contract generation module generates matched guarantee contract for the grade according to the terminal client；
Trades record module, for generating transaction record based on the signing for ensureing contract；Wherein, the transaction note
Record includes one of following record or a variety of: the transaction record of the trading item, based on the friendship for ensureing type
The guarantee transaction record of easy project, the third-party platform are provided for the trading item and are handed over based on the guarantee for ensureing type
Easily record, it is described that the guarantee side determined in appointed information is authorized to provide for the trading item based on the guarantee for ensureing type
Transaction record.
To achieve the above object, a kind of electronic equipment provided by the invention, including processor and memory, the storage
Device is used to store the executable instruction of the processor, and the processor is configured to execute via the executable instruction is executed
The step of guarantee method of commerce described in any of the above embodiments based on buyer's grade.
To achieve the above object, computer readable storage medium provided by the invention, is stored thereon with computer program, should
The step of above-mentioned guarantee method of commerce based on buyer's grade is realized when program is executed by processor.
It is flat in third party based on guarantee type information provided by the trading item in technical solution proposed by the present invention
Platform to terminal client show the trading item trading item parameter and the guarantee type information；When terminal client is in institute
When stating third-party platform and carrying out transactional operation, obtain the grade of terminal client, and according to grade, generate it is corresponding ensure contract or
Person terminates transaction；After contract is signed, transaction record will be generated；Wherein, the transaction record includes one of following record
Or it is a variety of: the transaction record of the trading item, based on the guarantee transaction record of the trading item for ensureing type, institute
Third-party platform is stated to provide for the trading item based on the guarantee transaction record for ensureing type, the authorization appointed information
The guarantee side of middle determination provides for the trading item based on the guarantee transaction record for ensureing type, and user is from the third
The interface purchase-transaction project of Fang Pingtai can be obtained corresponding ensure and service.By this purchase method and shopping platform, buy
Family is commercially available the trading item for having the guarantee service of itself needs, can not only improve probability of transaction, can also purify entire electricity
The shopping environment of quotient's platform allows buyer's shopping to feel more relieved.Simultaneously as ensureing that contract, can be to avoid depending on different clients
The case where insurance fraud, to ensure the equity of seller.
Detailed description of the invention
Fig. 1 is the flow diagram of the guarantee method of commerce first embodiment the present invention is based on buyer's grade；
Fig. 2 is the flow diagram of the guarantee method of commerce second embodiment the present invention is based on buyer's grade；
Fig. 3 is the flow diagram of the guarantee method of commerce 3rd embodiment the present invention is based on buyer's grade；
Fig. 4 is the flow diagram of the guarantee method of commerce fourth embodiment the present invention is based on buyer's grade；
Fig. 5 is that the present invention is based on determined in the 5th embodiment of guarantee method of commerce of buyer's grade according to the negative records
The refinement flow diagram of the magnitude step of terminal client；
Fig. 6 is that the present invention is based on the modular structure schematic diagrams of one embodiment of guarantee the transaction device of buyer's grade；
Fig. 7 is the modular structure schematic diagram of one embodiment of electronic equipment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that described herein, specific examples are only used to explain the present invention, is not intended to limit the present invention.
Fig. 1 is please referred to, Fig. 1 is the guarantee method of commerce based on buyer's grade that first embodiment of the invention proposes.At this
In embodiment, the guarantee method of commerce based on buyer's grade includes:
Step S100 obtains the transaction according to the authorization appointed information for the presets that trading item provider provides
Guarantee type corresponding to the trading item parameter of the trading item of project provider and the trading item.
Specifically, the authorization appointed information of the presets can be the trading item provider and third party transaction
Item trade platform according to preset standard contract signing license Agreement.The third party is resided in for example, entering in trading item
Before trading item transaction platform, according to preset standard contract template label required by the third party transaction item trade platform
Order license Agreement, wherein the signing mode of the license Agreement can be electronic signature, and the preset standard contract template can
To set in systems in advance, and the trading item provider is supplied to by editable visualization interface and is carried out
It fills in.
Optionally, the authorization appointed information could also be from it is following any one or more, businessman enters current platform
When input, alternatively, the data injection of other platforms other than the current platform or the data grabber to other platforms.
It is understood that the third party transaction item trade platform can also with other platform cooperations, directly from other platforms
The authorization appointed information of crawl or injection trading item provider.
Trading item parameter includes trading item attribute, trading item picture and trading item price.
Guarantee type is including protecting effect, the gold that breaks even, protecting at least one of reimbursement and guarantor's return of goods.
Wherein, the authorization appointed information includes trading item parameter and guarantee type.
Illustrate several applicable scenes for ensureing type below:
Difference quotient agency is unavoidable to be needed to store goods, but stores goods and exist the risk for the money that do not sell to overstock, and passes through guarantor
It returns goods or protects reimbursement or guaranteed cost is any or a variety of contracts can be to avoid this risk.
Some educational counseling courses, intellectual development course effect be often it is interim, pass through and protect this guarantee of effect
Buyer can be made to give up having spent money but unfruitful misgivings.
Step S200 shows institute to terminal client in third-party platform based on guarantee type provided by the trading item
State the trading item parameter and the guarantee type of trading item.
Specifically, buyer is when third-party platform is done shopping, search field that third-party platform is inputted based on buyer or
The control being clicked on person interface shows that the trading item collection with guarantee service, search field can be specific trading item
Title or rough trading item keyword or information relevant to guarantee.Each transaction where trading item collection on the page
Project can be shown in the form of trading item picture, or be shown in the form of a list；It is also set up on the trading item collection page
There is each screening control for ensureing type, based on selected single or multiple screening controls, shows the same friendship ensured under type
Easy project.
In addition, platform by obtain buyer log in ID and this logs in the corresponding search of ID and records and purchaser record,
The guarantee type recommended or trading item attribute (i.e. recommendation information) are provided, and the recommendation information is shown in buyer's landing platform
On the first interface shown afterwards.Further, when the search field of buyer's input is trading item title, providing has described push away
The trading item for the guarantee type recommended.For example, ensureing that type is to protect to return goods based on the recommendation that ID is obtained, when the search of ID input
When field is refrigerator, providing safeguard type is to protect the refrigerator returned goods.
Step S300, when terminal client the third-party platform carry out transactional operation when, obtain the grade of terminal client；
Step S400 generates matched guarantee contract according to the grade of the terminal client.
Specifically, according to the index in relation to buyer's prestige such as the right-safeguarding situation of terminal client and businessman's evaluation, terminal is determined
The grade of client.Index in relation to buyer's prestige can be obtained by obtaining account ID of the buyer on the transaction platform,
ID card information, the telephone number etc. that can be registered on the transaction platform by buyer may indicate that be buyer identification
Information, to establish on other shopping platforms of cooperative relationship acquisition in relation to the index of buyer's prestige from the transaction platform.
When the credit value of buyer is lower, the lower grade of the terminal client, at this time the damaged increased risk of seller's equity,
At this point it is possible to corresponding guarantee contract be generated according to the grade of terminal client, so that the interests of both parties are available
Compromise processing, such as the product for protecting effect ensure that the not up to effect arranged in contract only moves back 80% fund.
Step S500 generates transaction record based on the signing for ensureing contract；Wherein, the transaction record include with
One of lower record is a variety of: the transaction record of the trading item, based on the trading item for ensureing type
Ensure that transaction record, the third-party platform provide for the trading item based on the guarantee transaction record for ensureing type,
The guarantee side determined in the authorization appointed information provides for the trading item based on the guarantee transaction note for ensureing type
Record.
Specifically, the transaction record may include:
The transaction record of the trading item, can be record has the information of both parties of trading item, when transaction item
When mesh generation quality problems or the corresponding guarantee of the guarantee type do not reach requirement, terminal client can be according to the transaction
Item trade record initiates right-safeguarding.
Based on the guarantee transaction record of the trading item for ensureing type, the friendship that record has trading item can be
The promise for the guarantee type information that the information of easy both sides and trading item provider provide, the corresponding guarantor of the guarantee type
When barrier does not reach requirement, terminal client can be sent out according to the guarantee transaction record to trading item provider or third-party platform
Play right-safeguarding.
The third-party platform provides for the trading item based on the guarantee transaction record for ensureing type, can be
Record has the information of the both parties of trading item and third-party platform to provide for the trading item based on the guarantee class
The promise of the guarantee of type, the guarantee type is corresponding to ensure that terminal client can be flat according to the third party when not reaching requirement
Platform initiates right-safeguarding.
The guarantee side determined in the authorization appointed information provides for the trading item based on the load for ensureing type
Transaction record is protected, can be determination in the information for recording the both parties for having trading item and the authorization appointed information
Guarantee side provides the promise based on the guarantee for ensureing type for the trading item, and corresponding ensure of the guarantee type reaches
When less than requiring, terminal client can initiate right-safeguarding according to the guarantee side.
Technical solution proposed by the present invention, buyer are commercially available the trading item for having the guarantee service of itself needs,
Probability of transaction can not only be improved, the shopping environment of entire electric business platform can be also purified, buyer's shopping is allowed to feel more relieved.Simultaneously as
Ensure contract depending on different clients, can be to avoid insurance fraud the case where, to ensure the equity of seller.
Referring to figure 2., for the present invention is based on the second embodiments of the guarantee method of commerce of buyer's grade, based on base of the present invention
In buyer's grade guarantee method of commerce first embodiment, it is described obtain terminal client grade the step of before further include:
Step S600, obtaining terminal client, the guarantee of conclusion of the business trading item is initiated to record；
Step S700 initiates to record the grade for determining terminal client according to described ensure.
For different safeguard ways, the grade of terminal client is determined according to different indexs.If it is the production for protecting effect
Product, not up to standard, false track record of offer of effect etc. will be as the index to downgrade so many times；If it is the production for protecting reimbursement
Product, initiating reimbursement etc. without reason so many times will be as the index to downgrade.
Referring to figure 3., for the present invention is based on the 3rd embodiments of the guarantee method of commerce of buyer's grade, based on base of the present invention
In buyer's grade guarantee method of commerce second embodiment, it is described obtain terminal client conclusion of the business trading item guarantee initiate
Record includes:
Step S610 then obtains terminal client as trading item when the type of terminal client is amount authorization client
When provider, purchase ensures that type is to protect the transaction record of the junior client of trading item of reimbursement；
Step S620 according to the transaction record of the junior client and ensures that initiating record counts reimbursement rate and/or pin
Sell volume；
It is described to ensure that the step of initiating to record the grade for determining terminal client includes: according to described
Step S701 determines the grade of terminal client according to the reimbursement rate and/or sales volume of junior client.
It specifically, can be step by step downwards to each after manufacturer side or initial channel direction transaction platform obtain authorization qualification
Grade channel side carries out continuing to authorize, to form the chain type authorization structure with multiple levels, in addition to manufacturer side or initial channel side
Except, the quantity of each level is unlimited, and the amount magnification ratio of each level is identical with supply of material unit price.Between upper layer and lower layer grade
Amplify authorization amount according to preset amount magnification ratio, for example, when preset amount magnification ratio is 1:10, if the second canal
The authorization amount of road direction the first channel side application is 100,000, then the first channel side need to be from the amount of itself to the second channel side
10,000 amounts are transferred the possession of, the first channel side earns 90,000 profits by selling 10,000 amounts to the second channel side；When preset amount is amplified
When ratio is 1:5, if the authorization amount of second channel direction the first channel side application is 100,000, the first channel side need to be from itself
Amount in the second channel side transfer the possession of 20,000, then the first channel side pass through to the second channel side sell 20,000 amounts earning 80,000 benefit
Profit.Amount magnification ratio between the adjacent level of every two may be the same or different, alternatively, can be sold according to amount
Side setting and be modified.
Supply of material unit price is incremented by step by step from manufacturer side or initial channel side to sales side terminal.To guarantee every level-one channel side
It can be transferred through amount authorization to be got a profit.
If junior's channel side (namely junior client) superior channel side (namely trading item provider) initiates reimbursement,
Or the sales volume of junior client is not high, the commodity for illustrating that trading item provider sells are bad, or because of other reasons, make
At its junior, channel side can not sell commodity, this also illustrates that the prestige of trading item provider is not high, in this case the transaction
Project provider will reduce as the grade of buyer, not go out to avoid merchandise sales, to influence the profit of each channel side.
Referring to figure 4., for the present invention is based on the fourth embodiments of the guarantee method of commerce of buyer's grade, based on base of the present invention
In buyer's grade guarantee method of commerce second embodiment, it is described obtain terminal client conclusion of the business trading item guarantee initiate
Record includes:
Step S611 then obtains terminal client and has struck a bargain transaction when the type of terminal client is not amount authorization client
The guarantee of project initiates record and to the checks of the records for ensureing initiation record；
Ensure that the step of initiating to record the grade for determining terminal client includes: according to described
Step S710 obtains the verification keywords database of the guarantee type according to the guarantee type initiated in record is ensured；
Step S720 chooses negative keyword from the verification keywords database, by the checks of the records and described negative
Keyword carries out fuzzy matching, obtains the negative records in the checks of the records；
Step S730 determines the grade of terminal client according to the negative records.
Specifically, verifying keywords database is the dictionary pre-established, described negative when the guarantee type is to protect effect
Keyword include effect it is not up to standard, it is false track record any one of；It is described negative when the guarantee type is to protect reimbursement
Keyword is to initiate reimbursement without reason.
Referring to figure 5., for the present invention is based on the 5th embodiments of the guarantee method of commerce of buyer's grade, based on base of the present invention
In buyer's grade guarantee method of commerce fourth embodiment, the grade that terminal client is determined according to the negative records
Step includes:
The secure initiation of institute is recorded the corresponding negative records and counted by step S731, obtains different negative notes
Record corresponding number；
Step S732 is calculated described negative according to the number of different negative records and the examination weight of different negative records
Face records corresponding total score；
Step S733 determines the grade of terminal client according to the total score.
The embodiment is illustrated with example below, when buyer's account is initiated in a total of 10 guarantees of the transaction platform
Record, records that there are 3 false tracking, 3 reimbursements without reason in this 10 guarantee initiation, then being tracked, without reason according to false
The corresponding score value of reimbursement, then accordingly multiplied by corresponding number, can be obtained the corresponding total score of all negative records of buyer's account
Value, so that it is determined that its grade.
The present invention also provides a kind of guarantee the transaction devices based on buyer's grade, please refer to Fig. 6, in one embodiment, should
Guarantee the transaction device based on buyer's grade includes:
Trading item obtains module 100, and letter is arranged in the authorization of the presets for being provided according to trading item provider
Breath, obtain the trading item of the trading item provider trading item parameter and the trading item corresponding to guarantee class
Type；
Trading item display module 200 ensures type in third-party platform for being based on provided by the trading item
The trading item parameter and the guarantee type of the trading item are shown to terminal client；
Customer grade obtain module 300, for when terminal client the third-party platform carry out transactional operation when, obtain
The grade of terminal client；
Contract generation module 400 generates matched guarantee contract for the grade according to the terminal client；
Trades record module 500, for generating transaction record based on the signing for ensureing contract；Wherein, the transaction
Record includes one of following record or a variety of: the transaction record of the trading item, based on described in the guarantee type
The guarantee transaction record of trading item, the third-party platform provide for the trading item based on the guarantee for ensureing type
Transaction record, it is described that the guarantee side determined in appointed information is authorized to provide for the trading item based on the load for ensureing type
Protect transaction record.
The device of embodiment illustrated in fig. 6 accordingly can be used for executing the step in embodiment of the method shown in Fig. 1, realize former
Reason is similar with technical effect, is not repeating herein.
In one embodiment, based on the guarantee the transaction device of buyer's grade further include:
It ensures and initiates logging modle, the guarantee of conclusion of the business trading item is initiated to record for obtaining terminal client；
Level determination module, for initiating to record the grade for determining terminal client according to described ensure.
In another embodiment, logging modle is initiated in the guarantee, is also used to award when the type of terminal client for amount
When weighing client, then when obtaining terminal client as trading item provider, purchase ensures that type is to protect the trading item of reimbursement
The transaction record of junior client；According to the transaction record of the junior client and ensure initiate record statistics reimbursement rate and/or
Sales volume.
The level determination module is also used to reimbursement rate and/or sales volume according to junior client, determines terminal client
Grade.
In yet another embodiment, logging modle is initiated in the guarantee, is also used to when the type of terminal client not be amount
When authorization client, then obtaining terminal client, the guarantee of conclusion of the business trading item is initiated to record and to the guarantee initiation record
Checks of the records.
The level determination module is also used to obtain the guarantee type according to the guarantee type initiated in record is ensured
Verify keywords database；Negative keyword is chosen from the verification keywords database, by the checks of the records and the negative key
Word carries out fuzzy matching, obtains the negative records in the checks of the records；According to the negative records determine terminal client etc.
Grade.
In a further embodiment, the level determination module includes:
Negative records number statistic unit is united for the secure initiation of institute to be recorded the corresponding negative records
Meter obtains the corresponding number of different negative records；
Negative score value computing unit, for being weighed according to the number of different negative records and the examination of different negative records
Weight, calculates the corresponding total score of the negative records；
Level de-termination unit, for determining the grade of terminal client according to the total score.
The present invention also provides a kind of electronic equipment, please refer to Fig. 7, and in one embodiment, which includes processor
10 and memory 20, memory 20 is used for the executable instruction of storage processor, and processor 10 is configured to via executing and can hold
Row instruction is come the step of executing the guarantee method of commerce based on buyer's grade in any of the above-described embodiment.It is appreciated that the intelligence
Energy terminal can be TV, IPAD, PC, mobile phone etc..
The present invention also provides a kind of computer readable storage mediums, are stored thereon with computer program, the computer program
The step of guarantee method of commerce based on buyer's grade in any of the above-described embodiment is realized when being executed by processor.
In the description of this specification, reference term " embodiment ", " another embodiment ", " other embodiments " or "
The description of one embodiment~X embodiment " etc. mean specific features described in conjunction with this embodiment or example, structure, material or
Person's feature is included at least one embodiment or example of the invention.In the present specification, to the schematic table of above-mentioned term
Stating may not refer to the same embodiment or example.Moreover, specific features, structure, material, method and step or the spy of description
Point can be combined in any suitable manner in any one or more of the embodiments or examples.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the device that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal (can be mobile phone, computer, service
Device, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The embodiment of the present invention is described with above attached drawing, but the invention is not limited to above-mentioned specific
Embodiment, the above mentioned embodiment is only schematical, rather than restrictive, those skilled in the art
Under the inspiration of the present invention, without breaking away from the scope protected by the purposes and claims of the present invention, it can also make very much
Form, all of these belong to the protection of the present invention.
Claims (10)
1. a kind of guarantee method of commerce based on buyer's grade, which comprises the following steps:
According to the authorization appointed information for the presets that trading item provider provides, the friendship of the trading item provider is obtained
Guarantee type corresponding to the trading item parameter of easy project and the trading item；
The trading item is shown to terminal client in third-party platform based on guarantee type provided by the trading item
Trading item parameter and the guarantee type；
When terminal client the third-party platform carry out transactional operation when, obtain the grade of terminal client；
According to the grade of the terminal client, matched guarantee contract is generated；
Based on the signing for ensureing contract, transaction record is generated；Wherein, the transaction record includes one of following record
Or it is a variety of: the transaction record of the trading item, based on the guarantee transaction record of the trading item for ensureing type, institute
Third-party platform is stated to provide for the trading item based on the guarantee transaction record for ensureing type, the authorization appointed information
The guarantee side of middle determination provides for the trading item based on the guarantee transaction record for ensureing type.
2. as described in claim 1 based on the guarantee method of commerce of buyer's grade, which is characterized in that the acquisition terminal client
Grade the step of before further include:
Obtaining terminal client, the guarantee of conclusion of the business trading item is initiated to record；
Initiate to record the grade for determining terminal client according to described ensure.
3. as claimed in claim 2 based on the guarantee method of commerce of buyer's grade, which is characterized in that the trading item parameter
Including trading item attribute, trading item picture and trading item price, the trading item includes: physical commodity, virtual quotient
At least one of product, service, commercial project；The guarantee type includes during guarantor's effect, the gold that breaks even, guarantor's reimbursement and guarantor return goods
At least one.
4. as claimed in claim 3 based on the guarantee method of commerce of buyer's grade, which is characterized in that the acquisition terminal client
The guarantee of conclusion of the business trading item initiates record and includes:
When the type of terminal client is amount authorization client, then when obtaining terminal client as trading item provider, purchase
Ensure that type is to protect the transaction record of the junior client of trading item of reimbursement；
According to the transaction record of the junior client and ensure that initiating record counts reimbursement rate and/or sales volume；
It is described to ensure that the step of initiating to record the grade for determining terminal client includes: according to described
According to the reimbursement rate and/or sales volume of junior client, the grade of terminal client is determined.
5. as claimed in claim 3 based on the guarantee method of commerce of buyer's grade, which is characterized in that the acquisition terminal client
The guarantee of conclusion of the business trading item initiates record and includes:
When the type of terminal client is not amount authorization client, then obtain terminal client conclusion of the business trading item guarantee initiate
Record and the checks of the records for initiating the guarantee record；
Ensure that the step of initiating to record the grade for determining terminal client includes: according to described
According to the guarantee type initiated in record is ensured, the verification keywords database of the guarantee type is obtained；
Negative keyword is chosen from the verification keywords database, the checks of the records and the negative keyword are obscured
Matching, obtains the negative records in the checks of the records；
The grade of terminal client is determined according to the negative records.
6. as claimed in claim 5 based on the guarantee method of commerce of buyer's grade, which is characterized in that when the guarantee type is
Protect effect when, the negative keyword include effect it is not up to standard, it is false track record any one of；When the guarantee type is
When protecting reimbursement, the negative keyword is to initiate reimbursement without reason.
7. as claimed in claim 6 based on the guarantee method of commerce of buyer's grade, which is characterized in that described according to described negative
Record determines that the step of grade of terminal client includes:
The secure initiation of institute is recorded the corresponding negative records and counted, the corresponding number of different negative records is obtained；
According to the number of different negative records and the examination weight of different negative records, it is corresponding total to calculate the negative records
Score value；
According to the total score, the grade of terminal client is determined.
8. a kind of guarantee the transaction device based on buyer's grade characterized by comprising
Trading item obtains module, and the authorization appointed information of the presets for being provided according to trading item provider obtains
Guarantee type corresponding to the trading item parameter of the trading item of the trading item provider and the trading item；
Trading item display module, for objective to terminal in third-party platform based on guarantee type provided by the trading item
Family shows the trading item parameter and the guarantee type of the trading item；
Customer grade obtains module, for when terminal client is when the third-party platform carries out transactional operation, acquisition terminal to be objective
The grade at family；
Contract generation module generates matched guarantee contract for the grade according to the terminal client；
Trades record module, for generating transaction record based on the signing for ensureing contract；Wherein, the transaction record packet
One of following record or a variety of: the transaction record of the trading item is included, based on the transaction item for ensureing type
Purpose ensures that transaction record, the third-party platform provide for the trading item based on the guarantee transaction note for ensureing type
Record, it is described that the guarantee side determined in appointed information is authorized to provide for the trading item based on the guarantee transaction for ensureing type
Record.
9. a kind of electronic equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine program, which is characterized in that the processor is realized when executing the computer program such as any one of claims 1 to 8 institute
The step of guarantee method of commerce based on buyer's grade stated.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program quilt
It realizes when processor executes such as the step of the guarantee method of commerce described in any item of the claim 1 to 8 based on buyer's grade.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811425347.5A CN109493097A (en) | 2018-11-27 | 2018-11-27 | Guarantee method of commerce, device, equipment and storage medium based on buyer's grade |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811425347.5A CN109493097A (en) | 2018-11-27 | 2018-11-27 | Guarantee method of commerce, device, equipment and storage medium based on buyer's grade |
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| CN109493097A true CN109493097A (en) | 2019-03-19 |
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ID=65696924
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| Application Number | Title | Priority Date | Filing Date |
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| CN201811425347.5A Pending CN109493097A (en) | 2018-11-27 | 2018-11-27 | Guarantee method of commerce, device, equipment and storage medium based on buyer's grade |
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| CN (1) | CN109493097A (en) |
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| CN110134303A (en) * | 2019-05-20 | 2019-08-16 | 北京三快在线科技有限公司 | Operational controls display methods, device, terminal and storage medium |
| CN110310124A (en) * | 2019-07-08 | 2019-10-08 | 湖南共睹互联网科技有限责任公司 | Based on reimbursement verification method, terminal and the computer readable storage medium for ensureing transaction |
| CN110473064A (en) * | 2019-08-07 | 2019-11-19 | 武汉金百瑞科技股份有限公司 | A kind of electric business platform product price control method |
| CN110942374A (en) * | 2019-11-26 | 2020-03-31 | 支付宝(杭州)信息技术有限公司 | Transaction guarantee method and device |
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| CN110134303A (en) * | 2019-05-20 | 2019-08-16 | 北京三快在线科技有限公司 | Operational controls display methods, device, terminal and storage medium |
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