CN110264249B

CN110264249B - Method and apparatus for revoking data transfer operations

Info

Publication number: CN110264249B
Application number: CN201910461234.9A
Authority: CN
Inventors: 姚刚; 豆亮亮
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-05-30
Filing date: 2019-05-30
Publication date: 2023-04-18
Anticipated expiration: 2039-05-30
Also published as: CN110264249A

Abstract

The disclosure provides a data transfer operation withdrawing method and device. In the method, after receiving a first revocation request for a data transfer operation and data transfer operation information from a data transfer server, data composition information of first revocation data is determined based on data transfer state information and data composition information of transfer data in the data transfer operation information. Next, corresponding data is acquired from the determined respective first revoked data providers, and data composition information of second revoked data is determined based on the data composition information of the first revoked data and the third data. Corresponding data is then sent to the determined respective second revoked data receivers. With this method, it is possible to accurately perform data transfer operation revocation processing in a case where the provided bonus data has been used for a data transfer operation that provides bonus data.

Description

Method and apparatus for revoking data transfer operations

Technical Field

The present disclosure relates to the field of data exchange, and in particular, to a method and apparatus for revoking data transfer operations.

Background

In the field of data exchange, operations typically occur to transfer data from one or more data owners (i.e., data sources) to another data owner. For example, at the time of commodity transaction, if a buyer wishes to purchase a buyer's commodity, it is necessary to perform a money data transfer operation of transferring money data such as a fund amount from a buyer's account to an intermediate sponsor account or a seller's account, thereby completing the commodity purchase transaction. However, after the user performs a data transfer operation, such as a buyer having transferred funds from a buyer account to an intermediate sponsor account or a seller account, the user may initiate a data transfer withdrawal operation, such as a refund operation, for some reason, such as the buyer's desire to return goods and refund because of the poor quality of the goods.

In some cases, to facilitate a user performing a data transfer operation, for data transfer operations that have occurred, the data transfer platform may provide the user with an amount of reward data, depending on the amount of data transfer, that may be used by the user in other data transfer operations. For example, in order to facilitate a user to use a commodity transaction platform to conduct commodity transactions, for commodity transactions that have occurred on the commodity transaction platform, the commodity transaction platform returns a certain amount of marketing gift package to the user according to the commodity transaction amount, and the marketing gift package can be used in subsequent commodity transactions of the user on the commodity transaction platform.

In view of the above-mentioned data transfer operations, it is a problem to be solved how to accurately perform withdrawal processing without causing a loss of a commodity transaction platform in a situation that provided reward data (e.g., marketing gift bag) may be either unused or partially or fully used in a subsequent data transfer operation.

Disclosure of Invention

In view of the foregoing, the present disclosure provides a method and apparatus for revoking data transfer operations. By using the method and the device, the data transfer operation revocation process can be accurately executed under the condition that the provided reward data is used for the data transfer operation providing the reward data, and the data loss of the data transfer platform can not be caused.

According to one aspect of the present disclosure, there is provided a method for revoking a data transfer operation, comprising: receiving a first revocation request aiming at data transfer operation and data transfer operation information from a data transfer server, wherein the data transfer operation information comprises data transfer state information and data composition information of transfer data, the data composition information of the transfer data comprises transfer data source composition and data quantity provided by each transfer data source, and the transfer data sources comprise data transfer initiators and/or borrowable data owners; determining data composition information of first revocation data based on the data transfer state information and data composition information of the transfer data, the data composition information of the first revocation data including a first revocation data provider composition, a data source composition of the first revocation data provided by each first revocation data provider, and a corresponding data amount; acquiring corresponding data from each first revocation data provider; determining data composition information of second revocation data based on the data composition information of the first revocation data and third data, wherein the data composition information of the second revocation data comprises second revocation data receiver compositions, data source compositions of the second revocation data received by each second revocation data receiver and corresponding data volumes, and the second revocation data receivers at least comprise platform data owners; and sending corresponding data to each second revocation data receiver, wherein the third data comprises reward data obtained from the platform data owner when the data transfer operation is generated on the data transfer server, and the first revocation request is generated after the data transfer server receives a second revocation request sent by the data transfer initiator and determines that the third data has been subjected to the data transfer operation.

Optionally, in an example of the above aspect, the data transfer status information includes first status information for indicating that the data transfer operation is in progress or second status information for indicating that the data transfer operation is completed.

Optionally, in one example of the above aspect, the first recall request is generated after the data transfer server determines that the amount of data for which reward data can be recalled is less than the amount of data for which reward data should be recalled.

Optionally, in an example of the above aspect, the second revocation request includes an operation number of the data transfer operation, wherein the data transfer status information and data composition information of the transfer data are determined at the data transfer server based on the operation number of the data transfer operation.

Optionally, in one example of the above aspect, the first revocation request further includes a data transfer amount of the third data, and determining data composition information of second revocation data based on the data composition information of the first revocation data and the third data may include: determining data composition information of the second revocation data based on data composition information of the first revocation data and a data transfer amount of the third data.

Optionally, in an example of the above aspect, the second revocation request further includes a revocation data application amount, and determining data composition information of the first revocation data based on the data transfer status information and the data composition information of the transfer data may include: and determining data composition information of the first revocation data based on the data transfer state information, the data composition information of the transfer data and the data revocation application amount.

Optionally, in one example of the above aspect, the first revocation request further includes a data transfer amount of the third data, and determining data composition information of second revocation data based on the data composition information of the first revocation data and the third data may include: determining data composition information of the second revocation data based on data composition information of the first revocation data, the revocation data application amount, and the data transfer amount of the third data.

Optionally, in one example of the above aspect, when the data transfer state information is first state information, the first revoked data provider includes a data transfer intermediate processor and/or a borrowable data owner, and when the data transfer state information is second state information, the first revoked data provider includes a transfer data receiver.

Optionally, in an example of the above aspect, the data composition information of the first revocation data is determined based on a first data composition determination rule and the data composition information of the transfer data, and the first data composition determination rule may include: the data composition ratio in the transfer data; or a specified data source withdrawal order and/or data source withdrawal ratio.

Optionally, in an example of the above aspect, the data composition information of the second revocation data is determined based on a second data composition determination rule, and the second data composition determination rule may include: data composition ratios in the first revocation data; or a specified data source withdrawal order and/or data source withdrawal ratio.

Optionally, in one example of the above aspect, the data source composition and the corresponding amount of data of the second revocation data received by the platform data owner is determined based on the second data composition determination rule.

Optionally, in an example of the above aspect, the method may further include: marking fourth data indicating that data of a corresponding data amount is returned to the data transfer party after the fourth data is invalidated, the fourth data being bonus data restored due to revocation processing of a data transfer operation for the third data.

Optionally, in an example of the above aspect, the method may further include: after the marked fourth data is invalid, the platform data owner is enabled to initiate Fang Fanhai data transfer to the data transfer with a first data amount equal to a data amount of second retraction data received by the platform data owner.

Optionally, in one example of the above aspect, the data composition information of the transfer data indicates that the transfer data includes data from a borrowable data owner, and the second revocation data received by the platform data owner includes data from the borrowable data owner, and after the marked fourth data expires, causing the platform data owner to initiate Fang Fanhai a first amount of data to the data transfer initiator may include: when the data transfer initiator returns the data borrowed by the borrowed data owner, the platform data owner initiates Fang Fanhai data of a first data volume to the data transfer initiator; or when the data transferred from the borrowable data owner is not returned, the platform data owner makes the data transferred from the data owner to the data transfer originator Fang Fanhai with a second data volume, wherein the second data volume is equal to a data volume obtained by subtracting the data volume from the borrowable data owner from the data volume of the second withdrawal data received by the platform data owner.

Optionally, in an example of the above aspect, the third data further includes another bonus data obtained from another platform data owning party when the data transfer operation is generated on the data transfer server, a data amount of the another bonus data being determined by the another platform data owning party based on the transfer data amount of the data transfer operation and a predetermined ratio.

Optionally, in one example of the above aspect, determining data composition information of the first revocation data based on the data transfer status information and the data composition information of the transfer data may include: determining data composition information of the first revocation data based on the data transfer status information, data composition information of the transfer data, and the predetermined proportion.

According to another aspect of the present disclosure, there is provided an apparatus for revoking data transfer operations, comprising: a revocation request receiving unit configured to receive, from a data transfer server, a first revocation request for a data transfer operation and data transfer operation information, the data transfer operation information including data transfer state information and data composition information of transfer data, the data composition information of the transfer data including a transfer data source composition and data amounts provided by respective transfer data sources, the transfer data sources including a data transfer initiator and/or a borrowable data owner; a first revocation data determination unit configured to determine data composition information of first revocation data including a first revocation data provider composition, a data source composition of first revocation data provided by each first revocation data provider, and a corresponding data amount, based on the data transition state information and data composition information of the transition data; a first revocation data acquisition unit configured to acquire corresponding data from each first revocation data provider; a second revocation data determining unit configured to determine data composition information of second revocation data based on the data composition information of the first revocation data and third data, the data composition information of the second revocation data including a second revocation data receiver composition, a data source composition of the second revocation data received by each second revocation data receiver, and a corresponding data amount, the second revocation data receiver including at least a platform data owner; and a second revocation data sending unit configured to send corresponding data to each second revocation data receiver, wherein the third data includes reward data obtained from the platform data owner when the data transfer operation is generated on the data transfer server, and the first revocation request is generated after the data transfer server receives a second revocation request issued by the data transfer initiator and determines that the third data has been subjected to the data transfer operation.

Optionally, in one example of the above aspect, the first revocation request further includes a data transfer amount of the third data, and the second revocation data determination unit is configured to: determining data composition information of the second revocation data based on data composition information of the first revocation data and a data transfer amount of the third data.

Optionally, in an example of the above aspect, the second revocation request further includes a revocation data application amount, and the first revocation data determining unit is configured to: and determining data composition information of the first revocation data based on the data transfer state information, the data composition information of the transfer data and the data revocation application amount.

Optionally, in one example of the above aspect, the first revocation request further comprises an amount of data transfer of the third data, and the second revocation data determination unit is configured to: determining data composition information of the second revocation data based on data composition information of the first revocation data, the revocation data application amount, and the data transfer amount of the third data.

Optionally, in one example of the above aspect, the first revocation data determination unit is configured to determine data composition information of the first revocation data based on a first data composition determination rule and data composition information of the transfer data, and the first data composition determination rule may include: the data composition ratio in the transfer data; or a specified data source retraction order and/or data source retraction scale.

Optionally, in one example of the above aspect, the second revocation data determination unit is configured to: determining data composition information of second revocation data using a second data composition determination rule based on the data composition information of the first revocation data and third data, the second data composition determination rule may include: data composition ratios in the first revocation data; or a specified data source withdrawal order and/or data source withdrawal ratio.

Optionally, in an example of the above aspect, the apparatus may further include: a marking unit configured to mark fourth data indicating that data of a corresponding data amount is returned to the data transfer party after the fourth data is invalidated, the fourth data being bonus data restored due to revocation processing of a data transfer operation for the third data.

Optionally, in an example of the above aspect, the apparatus may further include: a data returning unit configured to cause the platform data owner to initiate Fang Fanhai a first amount of data to the data transfer after the marked fourth data is invalid, the first amount of data being equal to an amount of data of the second retraction data received by the platform data owner.

Optionally, in one example of the above aspect, the data composition information of the transfer data indicates that the transfer data includes data from a borrowed data owner, and the second revocation data received by the platform data owner includes data from the borrowed data owner, the data returning unit is configured to: after the marked fourth data is invalid, if the data borrowed by the borrowable data owner from the data transfer initiator is returned, enabling the platform data owner to initiate Fang Fanhai data with a first data volume to the data transfer initiator; or if the data borrowed by the borrowed data owner from the data transfer initiator is not returned, the platform data owner is enabled to initiate Fang Fanhai data transfer to the data transfer initiator by a second data amount, wherein the second data amount is equal to a data amount obtained by subtracting the data amount from the borrowed data owner from the data amount of the second withdrawal data received by the platform data owner.

Optionally, in an example of the above-mentioned aspect, the third data further includes another bonus data obtained from another platform data owner when the data transfer operation is generated on the data transfer server, a data amount of the other bonus data being determined by the other platform data owner based on the transfer data amount of the data transfer operation and a predetermined ratio, wherein the first revocation data determining unit is configured to: determining data composition information of the first revocation data based on the data transfer status information, data composition information of the transfer data, and the predetermined proportion.

According to another aspect of the present disclosure, there is provided a computing device comprising: at least one processor, and a memory coupled with the at least one processor, the memory storing instructions that, when executed by the at least one processor, cause the at least one processor to perform a method for retiring data transfer operations as described above.

According to another aspect of the present disclosure, there is provided a machine-readable storage medium having stored thereon executable instructions that, when executed, cause the machine to perform a method for revoking data transfer operations as described above.

Drawings

A further understanding of the nature and advantages of the present disclosure may be realized by reference to the following drawings. In the drawings, similar components or features may have the same reference numerals. The accompanying drawings, which are included to provide a further understanding of the embodiments of the disclosure and are incorporated in and constitute a part of this specification, illustrate embodiments of the disclosure and together with the detailed description serve to explain the embodiments of the disclosure without limiting the embodiments of the disclosure. In the drawings:

FIG. 1 illustrates a flow chart of a method for a merchandise transaction refund process according to an embodiment of the disclosure;

FIG. 2A shows a schematic diagram of an example of merchandise transaction data, according to an embodiment of the disclosure;

fig. 2B shows a schematic diagram of an example of marketing gift package data according to an embodiment of the present disclosure;

FIGS. 3A and 3B are schematic diagrams illustrating a refund process where the funding account is a buyer balance account;

fig. 4A and 4B show schematic diagrams of a refund processing procedure in case the funding account is a flower account;

fig. 5A, 5B and 5C show schematic diagrams of a refund processing procedure in case the funding account is a buyer balance account and a flower account;

fig. 6A, 6B and 6C show schematic diagrams of a refund processing procedure in case the funding account is a flower account and a front marketing account;

FIGS. 7A, 7B and 7C are schematic diagrams illustrating a refund process in the case where the funding account is a buyer balance account and a front marketing account;

fig. 8A, 8B and 8C show schematic diagrams of a refund processing procedure in case the funding account is a buyer balance account, an flower account and a front marketing account;

FIG. 9A shows a schematic diagram of a refund process when a merchant red package and platform red package are used with the sponsor being a buyer balance account;

FIG. 9B shows a schematic diagram of a refund process when a merchant red package and platform red package are used with the sponsor being a buyer balance account and a pre-existing marketing account;

FIG. 10 shows a block diagram of a data transfer revocation apparatus, in accordance with an embodiment of the present disclosure; and

FIG. 11 illustrates a hardware block diagram of a computing device for revoking data transfer operations, according to an embodiment of the present disclosure.

Detailed Description

The subject matter described herein will now be discussed with reference to example embodiments. It should be understood that these embodiments are discussed only to enable those skilled in the art to better understand the subject matter described herein and are not intended to limit the scope, applicability, or examples set forth in the claims. Changes may be made in the function and arrangement of elements discussed without departing from the scope of the disclosure. Various examples may omit, substitute, or add various procedures or components as needed. For example, the described methods may be performed in an order different from that described, and various steps may be added, omitted, or combined. In addition, features described with respect to some examples may also be combined in other examples.

As used herein, the term "include" and its variants mean open-ended terms in the sense of "including, but not limited to. The term "based on" means "based at least in part on". The terms "one embodiment" and "an embodiment" mean "at least one embodiment". The term "another embodiment" means "at least one other embodiment". The terms "first," "second," and the like may refer to different or the same object. Other definitions, whether explicit or implicit, may be included below. The definition of a term is consistent throughout the specification unless the context clearly dictates otherwise.

As used herein, the term "data transfer operation" refers to an operation that transfers data from one or more data owners (i.e., data sources) to another data owner. Here, the data transfer operation is a revocable type data transfer operation, such as a payment operation in a commodity transaction, a payment operation in a travel service, a fund transfer operation, and the like.

As used herein, the term "transaction payment platform" refers to a third party payment platform in connection with transaction payments. In this disclosure, a "transaction payment platform" may also be referred to as a "payment platform". Examples of transaction payment platforms include, but are not limited to, payroll, wechat payment, kyoto wallet, and the like.

As used herein, the term "trading platform" refers to a third party trading platform, such as a commodity trading platform or the like, that provides third party services related to a trade. Examples of trading platforms include, but are not limited to, taobao, jingdong, neiko, and the like. The term "merchant platform" refers to a merchandise providing platform such as a nike straight sales platform, a drip trip, a gold trip, and the like. In the present disclosure, examples of a "data transfer server" may include a "trading platform".

As used herein, the term "pre-positioned marketing gift package" refers to a marketing gift package provided by a trading platform as a result of a data transaction prior to a current data transaction.

As used herein, the term "one refund multiple receipts" refers to a refund manner of refunding an amount of money related to a commodity transaction to a plurality of collection accounts including at least a marketing gift package account, i.e., a platform gift package account that provides a marketing gift package to a buyer when the buyer generates the commodity transaction, upon a refund operation for the commodity transaction.

As used herein, the term "platform loan" refers to a loan service provided by a payment platform for a user, including, for example and without limitation, the kyoto white bar, and the like. The users of the payment platform can apply for respective platform debit and credit accounts, the debit and credit platform provides a certain debit and credit amount for each user, and the users can use the debit and credit funds of the debit and credit platform to purchase goods and/or services within the debit and credit amount. In one embodiment, when the user completes a payment for a commodity transaction using the platform debit account, a flow of funds from the platform debit fund pool to the vouching platform account is temporarily not generated, and the available debit value unit is only updated (e.g., reduced) in the user's platform debit account. In one embodiment, if the user completes the confirmed receipt for the merchandise transaction, a payment of the corresponding amount is transferred from the platform loan fund pool to the seller account, while a platform loan bill for the merchandise transaction is formed in the user's platform loan account. When the predetermined repayment period is reached, the user should repay the platform debit bill according to the specifications of the platform debit service.

In commodity transaction, in order to attract a user to use a transaction platform to conduct transaction, the transaction platform often uses various marketing methods to attract the user to conduct transaction on the transaction platform, for example, if the user completes commodity transaction in kyoto, for the commodity transaction of the user, kyoto issues a marketing gift package matched with a transaction amount to the user, and the marketing gift package can be used by the user in subsequent commodity transaction. In the present disclosure, marketing gift bags may include, but are not limited to: buying and returning a red envelope, shopping an active fund, trading points and changing the red envelope, actively robbing the red envelope, collecting and dividing treasures and the like. In addition, in order to attract users to purchase products of the merchant, the platform of the merchant (hereinafter referred to as a seller) also sends corresponding marketing gift bags, such as a discount bag bought by the seller, a return bag bought by the seller, and the like.

However, in the above-described commodity transaction involving the marketing gift bag, there is a risk of user arbitrage. For example, first, buyer a completes a commodity transaction X (e.g., pays 100 dollars to purchase one or more commodities at merchant B), thereby obtaining a marketing gift bag X (e.g., a 30 dollar red envelope). Then, the buyer a conducts the commodity transaction Y, and uses the marketing gift bag x in conducting payment for the commodity transaction Y. Then, the buyer a applies for a full refund for the commodity transaction X due to the commodity quality problem in the commodity transaction X. In the existing refund scheme, the whole amount (100 yuan) of the commodity transaction X is refunded to the buyer a regardless of whether the marketing gift bag X is used in the subsequent commodity transaction, so that the buyer a can obtain the 30 yuan marketing gift bag X without actually performing the commodity transaction X, thereby realizing 30 yuan arbitrage.

In view of the foregoing, the present disclosure provides a scheme for revoking data transfer operations. In this scheme, upon receiving a first revocation request (e.g., a refund request initiated after using a marketing gift package) for a data transfer operation and data transfer operation information from a data transfer server (e.g., a transaction platform), data composition information of first revocation data, i.e., a first revocation data provider composition, a data source composition of first revocation data provided by each first revocation data provider, and a corresponding data amount, is determined using data transfer state information and data composition information of transfer data in the received data transfer operation information. Then, acquiring corresponding data from each first revocation data provider; and determining data composition information of second revocation data, that is, a second revocation data receiver composition, a data source composition of the second revocation data received by each second revocation data receiver, and a corresponding data amount, based on the data composition information of the first revocation data and third data (for example, a marketing gift bag), the second revocation data receiver including at least a platform data owner (that is, a marketing gift bag issuer). And after determining the data composition information of the second revocation data, sending corresponding data to each second revocation data receiver. Thus, for a data transfer operation providing bonus data, by determining data composition information of first revocation data based on data transfer state information and data composition information of transfer data, and determining a final revocation data recipient and a corresponding amount of revocation data based on the data composition information of the first revocation data and third data (i.e., a marketing gift package) provided by a platform data owner, bonus data that should be refunded can be refunded to the platform data owner in the case where the provided bonus data has been used, thereby avoiding data loss of the data transfer platform.

Methods and apparatus for revoking data transfer operations of embodiments of the present disclosure are now described with reference to the accompanying drawings. For convenience of description, in the following description, a payment operation in a commodity transaction is exemplified. However, it is noted that the following description is equally applicable to other types of data transfer operations.

FIG. 1 shows a flow diagram of a method for merchandise transaction refund processing according to an embodiment of the disclosure.

As shown in fig. 1, at block 110, a user a (buyer) initiates a first refund request (corresponding to the "second withdrawal request" in the claims) via a terminal device 10 (buyer device) to a transaction platform 20 (corresponding to the "data transfer server" in the claims, which may also be referred to as the "data transfer platform"). For example, user A purchases the merchant B's merchandise on the transaction platform 20 to generate a merchandise transaction X, and user A makes a payment through the payment platform 30. After the above operation is completed, the user a is dissatisfied with the commodity or changes the idea to cancel the commodity transaction X, and then, the user a applies for a refund operation to cancel the commodity transaction X. In one embodiment of the present disclosure, the user a may use the trading platform client at its own terminal device to click the "apply refund" button in the corresponding user interface to apply for refund to the trading platform 20.

At block 120, after the trading platform 20 receives the first refund request, the trading platform 20 determines whether to initiate a refund process for multiple refunds (corresponding to the "first withdrawal request" in the claims).

Specifically, in one example of the present disclosure, the trading platform 20 determines whether a marketing gift bag (e.g., a red sales promotion bag) corresponding to the commodity transaction (i.e., commodity transaction X) has been used in a subsequent commodity transaction (corresponding to whether the "third data" in the claims has been performed with a data transfer operation). If the marketing gift bag is not used, the process of refunding for one-quit and multiple-receipts is determined not to be initiated. If the marketing gift package has been used, it is determined to initiate a move back of refunds.

In another example of the present disclosure, the transaction platform 20 determining whether to initiate a one-refund-many-receipts refund process may also be implemented as follows: the trading platform 20 first determines whether the marketing gift bag corresponding to the commodity transaction has been used in a subsequent commodity transaction. If it is determined to be unused, the flow ends. If determined to have been used, a "marketing gift bag amount to be refunded" (corresponding to the "data amount of the reward data to be refunded" in the claims) and a "marketing gift bag amount to be refunded" (corresponding to the "data amount of the reward data to be refunded" in the claims) are calculated. Here, the "marketing gift bag amount to be refunded" refers to the amount of the marketing gift bag that should be returned to the marketing gift bag account (corresponding to the "platform data possessor") of the transaction platform 20 along with the refund of the current commodity transaction. For example, the user a obtains a 30-dollar marketing gift bag for the commodity transaction X, and when applying for a full refund for the commodity transaction X, the "refund marketing gift bag amount" is 30 dollars. When the user applies for a partial refund for the commodity transaction X, the refund amount is an amount calculated according to a certain rule, for example, an amount calculated according to an equal proportion rule. In this case, it is assumed that the commodity transaction X is 100 yuan and the gift marketing gift bag is 30 yuan, and if a refund of 50 yuan is applied, the amount of the refund marketing gift bag is 15 yuan. The "refundable marketing gift package amount" refers to a remaining balance of the marketing gift package amount corresponding to the current commodity transaction after being used by the subsequent transaction, that is, an amount of money which can be refunded to the account of the marketing gift package in the marketing gift package corresponding to the commodity transaction X. For example, the user a obtains a 30-dollar marketing gift bag due to the commodity transaction X, and if the marketing gift bag is used by the user for 5 dollars in subsequent transactions, the "refundable marketing gift bag amount" is 25 dollars.

After determining "the amount of the returnable marketing gift bag" and "the amount of the marketing gift bag to be returned" as above, compare whether "the amount of the returnable marketing gift bag" is smaller than "the amount of the marketing gift bag to be returned". And if the sum of the returnable marketing gift bag is smaller than the sum of the marketing gift bag to be returned, determining to enter a one-return-and-multiple-receive refund process. And if the sum of the returnable marketing gift bag is not less than the sum of the marketing gift bag to be returned, determining not to enter a one-return-multiple-receive refund process.

If it is determined in block 120 that a refund for multiple chargebacks procedure is not to be entered, then a general refund procedure 130 is entered or various other suitable refund procedures are entered. If it is determined in block 120 that the one-refund-multiple-receive refund process is to be entered, then in block 140, a second refund request is sent to the payment platform 30 along with the transaction data information.

In the present disclosure, the transaction data information may include transaction state information (corresponding to "data transfer state information" in the claims), transaction funding account composition information (corresponding to "data composition information of transferred data" in the claims), and the like. The transaction state information is used to characterize transaction progress information when the user applies for a refund. Specifically, the transaction state information may include two states, i.e., a transaction in progress (corresponding to "first state information" in the claims) and a transaction completion (corresponding to "second state information" in the claims). In the context of merchandise sales, the first status information may also be referred to as an in-sale status, and the second status information may also be referred to as an after-sale status. For example, if the transaction has not been completed when the user a applies for a refund (e.g., the seller has not shipped, the buyer has not confirmed receipt, etc.), then this transaction state is referred to as a "sold state". In the in-sale state, the transaction funds are still in the transaction payment platform's vouching platform account and are not transferred to user B's account. The term "wagering platform account" is an intermediate account provided by the transaction payment platform for providing wagers during the transaction of goods. The vouching platform account hosts the transaction funds of the buyer when the transaction has not been completed (e.g., the buyer does not confirm receipt), and the payment is driven into the seller account after the transaction is completed (e.g., the buyer confirms receipt), thereby ensuring that the benefits of both the buyer and seller are not lost (e.g., malicious behavior that the seller receives payment for non-shipment or the buyer receives non-payment for shipment). If the transaction is completed when the user a applies for a refund (e.g., the buyer has confirmed receipt, etc.), the transaction funds are deposited to the user B's account at this point, and this transaction status is referred to as "after-market status".

The transaction funding account composition information may include the funding source accounts for the transaction (corresponding to the "transfer data source composition" in the claims) and the funding amount for each funding source account (corresponding to the "amount of data provided by the transfer data source" in the claims). In the present disclosure, the transaction funding account may include a "cash balance account" (corresponding to the "data transfer initiator" in the claims), a "marketing gift package account" (corresponding to the "platform data owner" in the claims), and/or a "platform loan account" (corresponding to the "borrowable data owner" in the claims). Here, the "cash balance account" refers to a cash balance account of a user (corresponding to "data transferor" in the claims), such as a user bank account associated with a payment platform, a balance account of the user on the payment platform, and the like. "marketing gift package account" refers to a marketing gift package account of a transaction platform and/or merchant platform that provides a reward marketing gift package for a user. "platform debit account" refers to a debit account provided by a transaction platform to a user. Wherein the "cash balance account" and the "platform loan account" provide the "cash balance" and the "loan funds", respectively, and belong to cash-type funds, and the "marketing gift bag account" provides the "marketing gift bag", and belong to gift bag-type funds. In another example, the transaction data information may also include transaction number information, transaction party information, and other related information. FIG. 2A shows a schematic diagram of an example of merchandise transaction data, according to an embodiment of the disclosure. As shown in fig. 2A, the transaction number of the transaction is "T088", the transaction status is "selling", the buyer is "user 1", the seller is "user 2", and the transaction funding account composition information includes: the bank account provides 80 dollars, and the marketing gift package account provides 20 dollars.

When the transaction number of the commodity transaction is recorded in the transaction platform 20, the transaction state information and the transaction funding account composition information of the commodity transaction are stored in association with the transaction number of the commodity transaction. In this case, the first refund request sent by the user a to the trading platform 20 may further include a trade number of the commodity trade corresponding to the refund request. Accordingly, after the transaction platform 20 receives the first refund request, the transaction platform 20 may obtain the corresponding transaction state information and the transaction funding account composition information based on the transaction number of the commodity transaction.

Further, in the case of using a marketing gift bag, the transaction data information stored in the transaction platform 20 may further include information related to the marketing gift bag. For example, each marketing gift package may have a respective gift package number, expiration date, marketing gift package funding account, marketing gift package dispensing amount, marketing gift package balance, and/or marking information. Fig. 2B shows a schematic diagram of an example of marketing gift package data according to an embodiment of the present disclosure. The gift bag number of the marketing gift bag data shown in fig. 2B is "P066", the validity period is "2019/05/01", the funding account is a "platform gift bag account", the gift bag issuance amount is "30 yuan", the gift bag balance is "5 yuan", and the mark is "returnable gift bag".

After the payment platform receives the second refund request, at block 150, data composition information for the first refund data (corresponding to "first revocation data" in the claims) is determined at the payment platform 30 based on the transaction status information and the transaction funding account composition information. Here, the data composition information of the first refund data includes a first refund data provider composition (corresponding to "first revocation data provider composition" in the claims), a data source composition of the first refund data provided by each first refund data provider, and a corresponding refund quota (corresponding to "corresponding data amount" in the claims). Here, the first refund data provider component means from which accounts refund data is acquired. The data source composition of the first refund data provided by each first refund data provider indicates which funding accounts the first refund data provided by each first refund data provider is provided by. The determination process of the data composition information regarding the first refund data will be described in detail below in conjunction with fig. 3A to 9B.

In the present disclosure, when the transaction status information is in the in-sale status, the first refund data provider may include a guarantee intermediary account (corresponding to the "data transfer intermediary processor" in the claims) and/or a platform loan account (corresponding to the "borrowable data owner" in the claims), depending on the specific transaction funding account composition information. When the transaction status information is an after-market status, the first refund data provider includes a seller account (corresponding to "transfer data receiver" in the claims).

Further, when the transaction funding account composition information includes marketing gift package data, if the transaction state information is a selling state, the first refund data vouching the intermediate account may include cash type data and marketing gift package data; and the data composition information of the first refund data is determined based on the first data composition determination rule and the fund composition information of the transaction funding account (corresponding to the "data composition information of transfer data" in the claims). Further, in one example of the present disclosure, the first data composition determination rule may include: the data composition proportion in the fund composition information of the transaction funding account; or a specified data source refund order (corresponding to the "data source withdrawal order" in the claims) and/or data source withdrawal proportion. Here, the specified data source refund order may include, for example: marketing gift bag- > cash balance, marketing gift bag- > loan fund- > cash balance, etc.

Further, in another example of the present disclosure, the first refund request may further include a refund application amount (corresponding to a "withdrawal data application amount" in the claims). For example, the refund application amount may be a full refund, a partial refund, or the like. Also, for a partial refund, a specific refund proportion or amount, such as 50% refund, is given. Accordingly, determining data composition information for the first refund data based on the transaction status information and the transaction funding account composition information may include: data composition information of the first refund data is determined based on the transaction status information, the transaction funding account composition information, and the withdrawal data application amount.

Further, in another example of the present disclosure, the "marketing gift bag account" may include a first marketing gift bag account from the trading platform (corresponding to the "platform data owner" in the claims) and a second marketing gift bag account from the merchant platform (corresponding to the "another platform data owner" in the claims). And, the amount of the marketing gift package from the second marketing gift package account is determined by the merchant platform based on the data volume of the merchandise transaction data and the predetermined proportion. Accordingly, determining data composition information for the first refund data based on the transaction status information and the transaction funding account composition information may include: data composition information of the first refund data is determined based on the transaction status information, the transaction funding account composition information, and the predetermined proportion.

After the data composition information of the first refund data is determined as above, at block 160, refund data of a corresponding amount and a corresponding type is obtained from each first refund data provider at the payment platform 30. For example, after determining that the cash balance is taken 10 dollars from the secured intermediate account and 40 dollars from the flower account, 10 dollars are respectively taken from the secured intermediate account and 40 dollars are respectively taken from the flower account, and optionally, the method may also place the obtained funds into the refund transitional account. The arrangement of the refund transitional account ensures that the transaction details of the seller are not influenced by the one-refund-many-receive flow, thereby enhancing the user experience of the seller. For example, without a refund transition account, if refunds are made to two or more accounts (such as a buyer account and a marketing gift package account), two or more refund transactions may be generated at the seller transaction information, thereby causing the seller to be confused about each refund transaction, prone to an undesirable user experience such as reconciliation errors, and the like. Moreover, the marketing gift package is a marketing strategy provided by the platform and is independent of the seller, so that the arrangement of the refund transitional account ensures that the transaction details of the seller are not influenced by the one-refund-multiple-receive process, and the seller only sees the conventional refund process.

Then, at block 170, at the payment platform 30, data composition information of second refund data (corresponding to "second withdrawal data" in the claims) is determined based on the data composition information of the first refund data and marketing gift bag data (corresponding to "third data" in the claims) obtained by the present commodity transaction. Here, the data composition information of the second refund data includes a second refund data recipient composition, a data source composition of the second refund data received by each second refund data recipient, and a corresponding refund amount. Here, the second refund data receiver means an ultimate refund receiver including at least a platform marketing gift bag account of the transaction platform (corresponding to "platform data possessor" in the claims). The determination process of the data composition information regarding the second refund data will be described in detail below in conjunction with fig. 3A to 9B.

In the present disclosure, the data composition information of the second refund data is determined based on a second data composition determination rule, which may include: a data composition ratio in the first revocation data; or a specified data source refund order and/or data source withdrawal rate.

Further, in another example of the present disclosure, the second refund request may further include a usage amount of the marketing gift bag data (corresponding to "data transfer amount of the third data" in the claims). Accordingly, determining the data composition information of the second refund data based on the data composition information of the first refund data and the marketing gift data obtained by the present commodity transaction includes: and determining data composition information of second refund data based on the data composition information of the first refund data, the marketing gift package data obtained by the commodity transaction and the usage amount of the marketing gift package data.

Further, in another example of the present disclosure, the first refund request may further include a refund application amount, and the second refund request includes a usage amount of the marketing gift bag data. Accordingly, determining the data composition information of the second refund data based on the data composition information of the first refund data and the marketing gift data obtained by the present commodity transaction may include: and determining data composition information of the second refund data based on the data composition information of the first refund data, the refund application amount and the usage amount of the marketing gift bag data.

After the data composition information of the second refund data is determined as above, the corresponding data is transmitted to each of the determined second refund data receivers at block 180, thereby completing the one-refund-multiple-receive process.

In addition, optionally, after sending corresponding data to each determined second refund data receiver, the method may further include: the buyer device is notified of refund information. For example, the refund information is provided to the buyer device for display on a display screen of the buyer device for viewing by the user.

Further, optionally, after the refund process of block 180 is completed, the method may further include: the fourth data is flagged as indicating that a corresponding amount of cash has been returned to the buyer balance account (i.e., the data transferor) after expiration of the fourth data. Here, the fourth data is marketing gift bag data recovered as a result of a subsequent commodity transaction using the marketing gift bag being withdrawn. Correspondingly, the method further comprises: and after the mark indicates that the fourth data is invalid, the platform marketing gift account returns data of a first data volume to the buyer balance account, wherein the first data volume is equal to the data volume of the second withdrawal data received by the platform marketing gift account.

Further, in another example of the present disclosure, the data composition information of the transaction funding account indicates that the transaction data includes loan funds from the platform loan account, and the second refund data received by the platform marketing gift package account includes refund data derived from the loan funds provided by the platform loan account. Accordingly, causing the platform marketing gift package account to return the first amount of data to the buyer balance account upon expiration of the flagged fourth data may comprise: when the loan fund borrowed from the loan platform by the buyer is returned, the platform marketing gift account returns the data of the first data volume to the balance account of the buyer; or when the loan fund borrowed by the buyer to the loan platform is not returned, the platform marketing gift account returns data of a second data volume to the balance account of the buyer, wherein the second data volume is equal to the data volume obtained by subtracting the data volume from the platform loan account from the data volume of the second withdrawal data received by the platform marketing gift account.

While the merchandise transaction refund operation process according to the embodiment of the present disclosure is described above with reference to fig. 1 and 2A-2B, the refund processing process in the case of various transaction fund source compositions will be described below with reference to fig. 3A-9B.

Fig. 3A and 3B are schematic diagrams illustrating a refund processing procedure in a case where the transaction funding account is a buyer balance account, in which a full refund case is illustrated in fig. 3A and a partial refund case is illustrated in fig. 3B.

As shown in fig. 3A, user a uses the buyer balance account to make a transaction payment, the transaction amount paid is 100. The platform red envelope account (i.e., the platform marketing gift package account) provides the user with a 10-dollar marketing red envelope corresponding to the transaction, and the marketing red envelope is used 5-dollars in subsequent commodity transactions. Accordingly, the marketing red envelope account corresponding to the user is reduced by 5 yuan, the red envelope voucher on the transaction platform 20 side is also reduced by 5 yuan, and the balance becomes 5 yuan.

When the transaction status information is the selling status, the user a applies for a full refund, and the data composition information of the first withdrawal data determined at the payment platform 30 is: the first withdrawal data provider is a guarantee intermediate account with a refund amount of 100, wherein refund funds of the guarantee intermediate account are derived from the buyer balance account. The vouching intermediate account then types 100 dollars into the refund transitional account.

Because the marketing red envelope returned by the commodity exchange is 10 yuan, and the user A applies for the full refund, the marketing red envelope to be refunded is 10 yuan. In addition, a 5-yuan marketing red envelope is used in the subsequent commodity transaction, the remaining marketing red envelope is 5 yuan, and the remaining marketing red envelope can be returned, so that the user a needs to return a 10-5 =5 yuan marketing red envelope, and thus the user a needs to pay 5 yuan to the platform red envelope account to purchase the marketing gift envelope. Further, the 100-dollar refund transitional account is derived from the secured intermediate account, thereby determining that the data composition information of the second revocation data is: the buyer balance account is 95 yuan and the platform red envelope account is 5 yuan. Here, the 5-dollar funds of the platform's red envelope account are derived from the funds of the buyer's balance account. The refund transitional account then returns 95 dollars to the buyer balance account and 5 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is reduced by 5 yuan to 0 yuan.

When the transaction status information is in the after-sales status, the user a applies for a full refund, and the data composition information of the first revocation data determined at the payment platform 30 is: the first revocation data provider is a seller account with a refund amount of 100. The seller account then types 100 dollars into the refund transitional account.

Because the marketing red envelope returned by the commodity exchange is 10 yuan, and the user A applies for the full refund, the marketing red envelope to be refunded is 10 yuan. In addition, a 5-yuan marketing red envelope is used in the subsequent commodity transaction, the remaining marketing red envelope is 5 yuan, the remaining marketing red envelope can be returned, so that the user needs to return a 10-5- = 5-yuan marketing red envelope, and thus, the user a needs to pay 5 yuan to the platform red envelope account to purchase the marketing gift envelope. In addition, the 100-element refund transitional account is derived from the seller account, so that the data composition information of the second withdrawal data is determined as follows: the buyer balance account is 95 yuan and the platform red account is 5 yuan. The refund transitional account then returns 95 dollars to the buyer balance account and 5 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is reduced by 5 yuan to 0 yuan.

Further, if the 5-dollar marketing package used is restored for a subsequent refund, the restored 5-dollar marketing package may be marked as refundable, while the package voucher on the transaction platform 20 side is increased by 5 dollars to 5 dollars. Then, if the recovered 5-ary marketing package fails due to expiration, the platform package account returns 5-ary to the buyer balance account.

As shown in fig. 3B, user a uses the buyer balance account to make a transaction payment, the transaction amount paid is 100. The platform red envelope account provides a 10-dollar marketing red envelope for the user corresponding to the transaction, and the marketing red envelope is used 10 dollars in subsequent commodity transactions. Accordingly, the marketing red envelope account corresponding to the user is decreased by 10 yuan, the red envelope voucher at the transaction platform 20 side is also decreased by 10 yuan, and the balance becomes 0 yuan.

When the transaction status information is in the selling status, the user a applies for a refund of 50 yuan, and the data composition information of the first revocation data determined at the payment platform 30 is: the first withdrawal data provider is a guarantee intermediate account with a refund amount of 50, wherein refund funds of the guarantee intermediate account are derived from the buyer balance account. The vouching intermediate account then types 50 dollars into the refund transitional account. Since the marketing red envelope returned by the commodity transaction is 10 yuan and the user a applies for 50% refund, the marketing red envelope to be refunded is 10 × 50% =5 yuan, and since the 10 yuan marketing red envelope is used in the subsequent commodity transaction and the remaining marketing red envelope is 0 yuan, the marketing red envelope to be returned is 5-0=5 yuan. In addition, the fund of the refund transition account is derived from the buyer balance account, so that the data composition information of the second withdrawal data is determined as follows: a buyer balance account of 45 dollars and a platform red account of 5 dollars. Here, the 5-dollar funds of the platform's red envelope account are derived from the funds of the buyer's balance account. The refund transitional account then returns 45 dollars to the buyer balance account and 5 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

When the transaction status information is in the after-sales status, after the user a applies for a refund of 50 yuan, the data composition information of the first revocation data determined at the payment platform 30 is: the first revocation data provider is a seller account with a refund amount of 50. The seller account then types 50 dollars into the refund transitional account. Since the marketing red packet returned by the commodity transaction is 10 yuan and the user a applies for 50% refund, the marketing red packet to be refunded is 10 × 50% =5 yuan, and since the 10 yuan marketing red packet is used in the subsequent commodity transaction and the remaining marketing red packet is 0 yuan, the marketing red packet to be returned is 5-0=5 yuan, thereby determining that the data composition information of the second withdrawal data is: buyer balance account 45 yuan, and platform red envelope account 5 yuan. The refund transitional account is then returned 45 dollars to the buyer balance account and 5 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 10-dollar marketing package used is restored due to a subsequent refund, the 10-dollar marketing package may be restored and marked as refundable, while the package voucher on the transaction platform 20 side is increased by 10 dollars to become 10 dollars. Then, if the recovered 10-dollar marketing package fails due to expiration, the platform package account returns 5 dollars to the buyer balance account.

In the example shown in fig. 3A and 3B, it is equivalent to purchasing a marketing gift package that needs to be returned to the platform marketing gift package account using cash in the buyer balance account, and returning the corresponding cash to the buyer balance account when the purchased marketing gift package fails.

Fig. 4A and 4B show a schematic diagram of a refund processing procedure in case the transaction payment account is a flower account, wherein in fig. 4A full refund situation is shown and in fig. 4B a partial refund situation is shown.

As shown in fig. 4A, user a uses the flower account to make a transaction payment, the transaction amount paid being 100. The platform package account provides the user with a 10-dollar marketing package corresponding to the transaction, and the marketing package is used 5 dollars in subsequent merchandise transactions. Accordingly, the marketing red envelope account corresponding to the user is reduced by 5 yuan, the red envelope voucher on the transaction platform 20 side is also reduced by 5 yuan, and the balance is changed to 5 yuan.

When the transaction status information is in the selling status, the user a applies for a full refund, and the data composition information of the first withdrawal data determined at the payment platform 30 is: the first withdrawal data provider is the account of flower and the refund amount is 100. Then, the flower account number of 100 Yuan is pressed into the refund transition account.

Because the marketing red envelope returned by the commodity exchange is 10 yuan, and the user A applies for the full refund, the marketing red envelope to be refunded is 10 yuan. In addition, a 5-element marketing red package is used in the subsequent commodity transaction, and the remaining marketing red package is 5 elements, so that the user needs to return a 10-5 = 5-element marketing red package. Furthermore, 100 yuan of the refund transitional account is originated from the flower account, thereby determining that the data composition information of the second withdrawal data is: the balance account of the buyer is 0 yuan, meanwhile, the flower amount of the user A is recovered to be 95 yuan, and the platform red envelope account is 5 yuan. Here, a 5-dollar amount of the return to the platform red envelope account is provided by the flower account, thereby generating a 5-dollar flower bill. The refund transitional account is then returned 0 dollars to the buyer balance account and 5 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is reduced by 5 yuan to 0 yuan.

Because the marketing red envelope returned by the commodity exchange is 10 yuan, and the user A applies for the full refund, the marketing red envelope to be refunded is 10 yuan. In addition, a 5-yuan marketing red envelope is used in the subsequent commodity transaction, and the remaining marketing red envelope is 5 yuan, so that the user needs to return a 10-5-yuan = 5-yuan marketing red envelope. Further, the 100-dollar refund transition account is derived from the seller account, and thus the data composition information of the second revocation data is determined as: the buyer balance account is 95 yuan and the platform red account is 5 yuan. The refund transitional account then returns 95 dollars to the buyer balance account and 5 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is reduced by 5 yuan to 0 yuan.

As shown in fig. 4B, user a uses the flower account to make transaction payment, and the transaction amount paid is 100. The platform marketing account provides the user with a 10-dollar marketing package corresponding to the transaction, and the marketing package is used 10 dollars in subsequent merchandise transactions. Accordingly, the marketing red envelope account corresponding to the user is decreased by 10 yuan, the red envelope voucher on the transaction platform 20 side is also decreased by 10 yuan, and the balance becomes 0 yuan.

When the transaction status information is in the selling status, the user a applies for a refund of 50 yuan, and the data composition information of the first revocation data determined at the payment platform 30 is: the first withdrawal data provider is the account of flower and the refund amount is 50. Then, the flower account is charged with 50 yuan into the refund transition account. Since the marketing red packet returned by the commodity transaction is 10 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 10 × 50% =5 yuan. In addition, since the 10-element marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 elements, the marketing red package to be returned is 5 elements, so that it is determined that the data composition information of the second withdrawal data is: the balance account of the buyer is 0 yuan, while the flower amount is restored to 45 yuan, and the platform red envelope account is 5 yuan, while a 5 yuan flower bill is generated. The refund transitional account then returns 0 dollars to the buyer balance account and 5 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

When the transaction status information is in the after-sales status, the user a applies for a refund of 50 yuan, and the data composition information of the first revocation data determined at the payment platform 30 is: the first revocation data provider is a seller account with a refund amount of 50. The seller account then types 50 dollars into the refund transitional account.

Since the marketing red packet returned by the commodity transaction is 10 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 10 × 50% =5 yuan. In addition, since the 10-yuan marketing red packet is used in the subsequent commodity transaction, and the remaining marketing red packets are 0 yuan, the marketing red packet to be returned is 5-0=5 yuan, thereby determining that the data composition information of the second withdrawal data is: a buyer balance account of 45 dollars and a platform red account of 5 dollars. The refund transitional account then returns 45 dollars to the buyer balance account and 5 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 10-dollar marketing package used is restored due to a subsequent refund, the 10-dollar marketing package may be restored and marked as refundable, while the package voucher on the transaction platform 20 side is increased by 10 dollars to become 10 dollars. Then, if the recovered 10 dollar marketing red envelope is expired due to expiration and the 5 dollar flower bill is already in return, the platform red envelope account returns 5 dollars to the buyer balance account. If the recovered 10 beijiao marketing red packet is expired and the 5 yuan flower bill is not yet available, the platform red packet account returns 5-5=0 yuan to the buyer balance account, and simultaneously recovers the 5 yuan flower amount.

In the example shown in fig. 4A and 4B, it amounts to purchasing a marketing gift package that needs to be returned to the platform marketing gift package account using the lending funds in the flower account, and returning the corresponding cash to the buyer balance account or restoring the corresponding amount of flowers when the purchased marketing gift package fails.

Fig. 5A, 5B and 5C show schematic diagrams of the refund processing procedure in case the funding account is a buyer balance account and an flower account, wherein fig. 5A shows a case of a full refund, fig. 5B shows a case of a partial refund performed according to the scale rule, and fig. 5C shows a case of a partial refund performed in a specified refund order.

As shown in fig. 5A, the user a uses the buyer balance account and the flower account to make transaction payment, the transaction amount paid is 100, wherein the buyer balance account is funded by 20 yuan and the flower account is funded by 80 yuan. The platform red envelope account provides a 30 dollar marketing red envelope for the user corresponding to the transaction, and the marketing red envelope is used 30 dollars in subsequent commodity transactions. Accordingly, the marketing red envelope account corresponding to the user is reduced by 30 yuan, the red envelope voucher on the transaction platform 20 side is also reduced by 30 yuan, and the balance becomes 0 yuan.

When the transaction status information is in the selling status, the user a applies for a full refund, and the data composition information of the first withdrawal data determined at the payment platform 30 is: the first withdrawal data provider (i.e. the refund entry account) is a secured intermediate account and an flower account, wherein the secured intermediate account 20 (originating from the buyer balance account) is 80 dollars. Then, the guarantee intermediate account sends 20 yuan to the refund transition account, and the flower account sends 80 yuan to the refund transition account.

Because the marketing red envelope returned by the commodity exchange is 30 yuan, and the user A applies for the full refund, the marketing red envelope to be refunded is 30 yuan. The 30-dollar marketing red envelope is used in subsequent commodity transactions, and the remaining marketing red envelope is 0 dollar, so that the user needs to refund the 30 dollar marketing red envelope. Furthermore, the 100 th element of the refund transitional account is derived from the guaranteed intermediate account and the flower account, so that the data composition information of the second withdrawal data is determined as follows: the balance account of the buyer is 0 yuan, the amount of the flower is restored to 70 yuan, and the platform red envelope account is 30 yuan, wherein 20 yuan is purchased by using cash balance, 10 yuan is purchased by using flower, and 10 yuan of the flower bill is generated. Here, the fund usage policy for purchasing the marketing red envelope (i.e., the second revocation data received by the platform data owner) is to use the balance fund in the first revocation data first and then use the flower fund in the first revocation data. In other examples of the disclosure, other fund usage policies may also be used, such as first using flower funds, then using balance funds, etc. The refund transitional account is then returned 0 dollars to the buyer balance account and 30 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

When the transaction status information is in the after-sales status, the user a applies for a full refund, and the data composition information of the first revocation data determined at the payment platform 30 is: the first revocation data provider is a seller account with a refund amount of 100. The seller account then types 100 dollars into the refund transitional account. Because the marketing red envelope returned by the commodity exchange is 30 yuan, and the user A applies for the full refund, the marketing red envelope to be refunded is 30 yuan. In addition, a 30-dollar marketing red package is used in subsequent commodity transactions, and the remaining marketing red packages are 0 dollars, so that the user needs to refund the marketing red package of 30-0=30 dollars. In addition, the 100-element refund transitional account is derived from the seller account, so that the data composition information of the second withdrawal data is determined as follows: a buyer balance account of 70 dollars and a platform bonus account of 30 dollars. The refund transitional account then returns 70 dollars to the buyer balance account and 30 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 30-dollar marketing package used is restored for a subsequent refund, the restored 30-dollar marketing package may be marked as refundable, with the package voucher on the transaction platform 20 side being increased by 30 dollars to 30 dollars. Then, if the recovered 30 yuan marketing red envelope is expired due to expiration and the 30 yuan flower bill is already in return, the platform red envelope account returns 30 yuan to the buyer balance account. If the recovered 30 beijiao marketing red packet is expired due to expiration and the 30 yuan flower bill is not yet available, the platform red packet account returns 20 yuan to the buyer balance account, and simultaneously recovers the 10 yuan flower amount.

As shown in fig. 5B, the user a uses the buyer balance account and the flower account to make transaction payment, the transaction amount paid is 100, wherein the buyer balance account is funded by 20 yuan and the flower account is funded by 80 yuan. The platform red envelope account provides a 30 dollar marketing red envelope for the user corresponding to the transaction, and the marketing red envelope is used 30 dollars in subsequent commodity transactions. Accordingly, the marketing red envelope account corresponding to the user is decreased by 30 yuan, the red envelope voucher at the transaction platform 20 side is also decreased by 30 yuan, and the balance becomes 0 yuan.

When the transaction status information is in a sale status, the user a applies for a refund of 50 yuan, and at the payment platform 30, according to the fund proportion of the transaction funding account (buyer balance account: flower account = 20): the first withdrawal data provider is a beijiao intermediate account and an flower account, wherein the refund amount is 10 yuan of the guaranty intermediate account and 40 yuan of the flower account. The vouching intermediate account then types 50 dollars into the refund transitional account.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, if a 30-yuan marketing red packet is used in the subsequent commodity transaction, and the remaining marketing red packets are 0 yuan, the marketing red packet to be returned is 15-0=15 yuan. In addition, the fund of the refund transition account is derived from the guarantee intermediate account and the flower account, so that the data composition information of the second withdrawal data is determined as follows: the balance account of the buyer is 0 yuan, and the flower amount of 35 yuan is recovered simultaneously, and the platform red envelope account is 15 yuan, wherein the balance is 10 yuan for purchase, the flower is 5 yuan for purchase, and a 5 yuan flower bill is generated simultaneously. Here, the fund usage policy for purchasing the red envelope is to use the balance fund in the first withdrawal data first and then the flower fund in the first withdrawal data later. In other examples of the disclosure, other fund usage policies may also be used, such as, for example, first using flower funds, then using balance funds, etc. The refund transitional account is then returned 0 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

When the transaction status information is in the after-sales status, after the user a applies for a refund of 50 yuan, the data composition information of the first revocation data determined at the payment platform 30 is: the first revocation data provider is a seller account with a refund amount of 50. The seller account then types 50 dollars into the refund transition account.

Because the marketing red packet returned by the commodity transaction is 30 yuan and the user a applies for 50% refund, the marketing red packet to be refunded is 30 x 50% =15 yuan, and in addition, because the 30 yuan marketing red packet is used in the subsequent commodity transaction, the rest marketing red packet is 0 yuan, and the marketing red packet to be refunded is 15-0=15 yuan. In addition, the fund of the refund transition account is derived from the account of the seller, so that the data of the second withdrawal data is determined to be composed of the following information: buyer balance account 35 yuan, and platform red envelope account 15 yuan. The refund transitional account then returns 35 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher on the transaction platform 20 side remains 0 yuan.

Further, if the 30-dollar marketing package used is restored due to a subsequent refund, the 30-dollar marketing package may be restored and marked as refundable, while the package voucher on the transaction platform 20 side is increased by 30 dollars, becoming 30 dollars. Then, if the recovered 30 yuan marketing red envelope is expired and the bill is already paid, the platform red envelope account returns 15 yuan to the buyer balance account. If the recovered 30 yuan marketing red envelope is expired and the bill is not yet paid, the platform red envelope account returns 10 yuan to the buyer balance account, and simultaneously recovers the 5 yuan credit line.

As shown in fig. 5C, the user a uses the buyer balance account and the flower account to make transaction payment, the transaction amount paid is 100, wherein the buyer balance account is funded by 20 yuan and the flower account is funded by 80 yuan. The platform marketing account provides a 30-dollar marketing package to the user for the transaction, and the marketing package is used 30 dollars in subsequent merchandise transactions. Accordingly, the marketing red envelope account corresponding to the user is reduced by 30 yuan, the red envelope voucher on the transaction platform 20 side is also reduced by 30 yuan, and the balance becomes 0 yuan.

When the transaction status information is in a selling status, the user a applies for a refund of 50 yuan, and at the payment platform 30, according to a designated refund order (balance after flower first), it is determined that the data composition information of the first withdrawal data is: the first withdrawal data provider is a flower bei account and the refund amount is a flower account 50. Then, the flower account number of 50 yuan is typed into the refund transition account.

Since the marketing red packet returned by the commodity transaction is 30, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 x 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be returned is 15=0=15 dollars. Furthermore, the fund of the refund transition account originates from the flower account, thereby determining that the data composition information of the second withdrawal data is: the balance account of the buyer is 0 yuan, and the flower amount of 35 yuan is recovered, and the platform red envelope account is 15 yuan, wherein the flower amount is 15 yuan, and 15 yuan flower bills are generated. The refund transitional account is then returned 0 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

When the transaction status information is in the after-sales status, the user a applies for a refund of 50 yuan, and the data composition information of the first revocation data determined at the payment platform 30 is: the first revocation data provider is a seller account with a refund amount of 50. The seller account then types 50 dollars into the refund transition account. Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 15-0=15 dollars. In addition, the funds of the refund transitional account are derived from the seller account, so that the data composition information of the second withdrawal data is determined as follows: buyer balance account 35 yuan, and platform red envelope account 15 yuan. The refund transitional account is then returned 35 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 30-dollar marketing package used is restored due to a subsequent refund, the 30-dollar marketing package may be restored and marked as refundable, while the package voucher on the transaction platform 20 side is increased by 30 dollars, becoming 30 dollars. Then, if the recovered 30 yuan marketing red envelope is expired and the bill is already paid, the platform red envelope account returns 15 yuan to the buyer balance account. If the recovered 15 yuan marketing red envelope is expired and the bill is not yet paid, the platform red envelope account returns 0 yuan to the buyer balance account, and simultaneously recovers the 15 yuan credit line.

In the examples shown in fig. 5A, 5B and 5C, a marketing gift package requiring a return to the platform marketing gift package account is purchased equivalently using the debit funds in the buyer balance account and/or the flower account, and when the purchased marketing gift package fails, the corresponding cash is returned to the buyer balance account or the corresponding amount of flowers is restored.

Fig. 6A, 6B and 6C show schematic diagrams of the refund processing procedure in case the funding account is a flower account and a front marketing account, wherein fig. 6A shows a case of a full refund, fig. 6B shows a case of a partial refund performed according to the proportion rule, and fig. 6C shows a case of a partial refund performed in a specified refund order.

As shown in fig. 6A, the user a uses the pre-marketing gift bag and the flower account to make transaction payment, the amount of the transaction paid is 100, wherein the pre-marketing gift bag is 20 yuan, and the flower account is 80 yuan. The platform red envelope account provides a 30 dollar marketing red envelope for the user corresponding to the transaction, and the marketing red envelope is used 30 dollars in subsequent commodity transactions. Accordingly, the marketing red envelope account corresponding to the user is decreased by 30 yuan, the red envelope voucher at the transaction platform 20 side is also decreased by 30 yuan, and the balance becomes 0 yuan.

When the transaction status information is the selling status, the user a applies for a full refund, and the data composition information of the first withdrawal data determined at the payment platform 30 is: the first withdrawal data provider (i.e. the refund entry account) is the guaranty intermediate account and the flower account, the refund amount is the guaranty intermediate account 20 (from the marketing gift bag account), the flower account 80 yuan. Then, the guarantee intermediate account sends 20 yuan to the refund transition account, and the flower account sends 80 yuan to the refund transition account.

Since the marketing red envelope returned by the commodity exchange is 30 and the user a applies for the full refund, the marketing red envelope to be refunded is 30 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 30-0=30 dollars. In addition, the fund of the refund transition account is derived from the guarantee intermediate account and the flower account, so that the data composition information of the second withdrawal data is determined as follows: the balance account of the buyer is 0 yuan, while the amount of the flower is restored to 70 yuan, and the platform red envelope account is 30 yuan, wherein 20 yuan is purchased with a front marketing gift package, 10 yuan is purchased with the flower while a 10 yuan flower bill is generated. Here, the fund usage policy for purchasing the red envelope is to use the marketing gift package in the first withdrawal data first and then use the fund of flowers in the first withdrawal data. The refund transitional account is then returned 0 dollars to the buyer balance account and 30 dollars to the platform bonus account. Meanwhile, the red envelope voucher on the transaction platform 20 side remains 0 yuan.

Since the marketing red envelope returned by the commodity exchange is 30 and the user a applies for the full refund, the marketing red envelope to be refunded is 30 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 30-0=30 dollars. In addition, the fund of the refund transition account is derived from the account of the seller, so that the data of the second withdrawal data is determined to be composed of the following information: buyer balance account 70 yuan (marketing gift package 20 yuan + balance 50 yuan), and platform red package account 30 yuan. The refund transitional account is then returned 70 dollars to the buyer balance account and 30 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 30-dollar marketing package used is restored for a subsequent refund, the restored 30-dollar marketing package may be marked as refundable, with the package voucher on the transaction platform 20 side being increased by 30 dollars to 30 dollars. Then, if the recovered 30-dollar marketing red envelope fails due to expiration and the flower bill is already returned, the platform red envelope account returns 30 dollars to the buyer balance account. If the recovered 30-dollar marketing package fails due to expiration and the flower bill is not yet available, the platform package account returns 20 dollars (corresponding to the marketing package) to the buyer balance account while recovering 10 dollar amount of flowers.

As shown in fig. 6B, the user a uses the pre-marketing gift bag and the flower account to make transaction payment, the amount of the transaction paid is 100, wherein the pre-marketing gift bag is 20 yuan, and the flower account is 80 yuan. The platform red envelope account provides a 30 dollar marketing red envelope for the user corresponding to the transaction, and the marketing red envelope is used 30 dollars in subsequent commodity transactions. Accordingly, the marketing red envelope account corresponding to the user is reduced by 30 yuan, the red envelope voucher on the transaction platform 20 side is also reduced by 30 yuan, and the balance becomes 0 yuan.

When the transaction status information is in a selling status, the user a applies for a refund of 50 yuan, and at the payment platform 30, according to the fund proportion of the transaction payment account (preposed marketing gift package: flower account = 20), it is determined that the data composition information of the first withdrawal data is: the first withdrawal data provider (i.e. the refund entry account) is the guaranty intermediate account and the flower account, and the refund amount is the guaranty intermediate account 10 yuan (from the front marketing gift bag) and the flower account 40. Then, the guarantee intermediate account sends 10 yuan to the refund transition account, and the flower account sends 40 yuan to the refund transition account.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 15-0=15 dollars. In addition, the fund of the refund transition account is derived from the guarantee intermediate account and the flower account, so that the data composition information of the second withdrawal data is determined as follows: the balance account of the buyer is 0 yuan, while the amount of flower in 35 yuan is restored, and the platform red envelope account is 15 yuan, wherein the marketing gift package is bought with 10 yuan, the flower is bought with 5 yuan, while the flower bill in 5 yuan is generated. The refund transitional account then returns 0 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red package is 0 dollar, the marketing red package required to be refunded is 15-0=15 dollars. In addition, the fund of the refund transition account is derived from the account of the seller, so that the data of the second withdrawal data is determined to be composed of the following information: buyer balance account 35 yuan, and platform red envelope account 15 yuan. The refund transitional account is then returned 35 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 30-dollar marketing package used is restored due to a subsequent refund, the 30-dollar marketing package may be restored and marked as refundable, while the package voucher on the transaction platform 20 side is increased by 30 dollars, becoming 30 dollars. Then, if the recovered 30 yuan marketing red envelope is expired and the bill is already paid, the platform red envelope account returns 15 yuan to the buyer balance account. If the recovered 30 yuan marketing red envelope is expired and the bill is not yet available, the platform red envelope account returns 10 yuan (corresponding to the marketing gift envelope) to the buyer balance account, and simultaneously recovers the 5 yuan amount of flower.

As shown in fig. 6C, user a uses the front marketing gift bag of 20 yuan and the flower account of 80 yuan to make transaction payment, the amount of the transaction paid is 100 yuan. The platform marketing account provides a 30-dollar marketing package to the user for the transaction, and the marketing package is used 30 dollars in subsequent merchandise transactions. Accordingly, the marketing red envelope account corresponding to the user is decreased by 30 yuan, the red envelope voucher at the transaction platform 20 side is also decreased by 30 yuan, and the balance becomes 0 yuan.

When the transaction status information is in a selling status, the user a applies for a refund of 50 yuan, and at the payment platform 30, according to a designated refund order (balance after flower first), it is determined that the data composition information of the first withdrawal data is: the first withdrawal data provider (i.e. the refund posting account) is a flower account, the refund amount is the flower account 50. Then, the flower account is charged with 50 yuan into the refund transition account.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 15-0=15 dollars. Furthermore, the fund of the refund transitional account originates from the flower account, thereby determining that the data composition information of the second withdrawal data is: the balance account of the buyer is 0 yuan, and the flower amount of 35 yuan is recovered, and the platform red envelope account is 15 yuan, wherein the flower amount is 15 yuan, and 15 yuan flower bills are generated. The refund transitional account then returns 0 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher on the transaction platform 20 side remains 0 yuan.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red package is 0 dollar, the marketing red package required to be refunded is 15-0=15 dollars. In addition, the fund of the refund transition account is derived from the account of the seller, so that the data of the second withdrawal data is determined to be composed of the following information: a buyer balance account of 35 dollars and a platform red account of 15 dollars. The refund transitional account then returns 35 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 30-dollar marketing package used is restored due to a subsequent refund, the 30-dollar marketing package may be restored and marked as refundable, while the package voucher on the transaction platform 20 side is increased by 30 dollars, becoming 30 dollars. Then, if the recovered 30 yuan marketing red envelope is expired and the bill is already paid, the platform red envelope account returns 15 yuan to the buyer balance account. If the recovered 30-yuan marketing portfolio fails due to expiration and the flower bill is not yet, the platform portfolio account returns 0 yuan to the buyer balance account while recovering 15-yuan.

In the examples shown in fig. 6A, 6B and 6C, a marketing gift package requiring return to the platform marketing gift package account is purchased equivalently using the debit funds in the buyer balance account and/or the flower account, and when the purchased marketing gift package fails, the corresponding cash is returned to the buyer balance account or the corresponding flower amount is restored.

Fig. 7A, 7B and 7C are schematic diagrams illustrating a refund processing procedure in the case where the funding account is a buyer balance account and a front marketing account, in which a case of a full refund is illustrated in fig. 7A, a case of a partial refund performed according to a scale rule is illustrated in fig. 7B, and a case of a partial refund performed in a designated refund order is illustrated in fig. 7C.

As shown in fig. 7A, the user a pays the transaction amount of 100 using the front marketing gift bag of 20 yuan and the buyer balance account of 80 yuan. The platform red envelope account provides a 30 dollar marketing red envelope for the user corresponding to the transaction, and the marketing red envelope is used 30 dollars in subsequent commodity transactions. Accordingly, the marketing red envelope account corresponding to the user is reduced by 30 yuan, the red envelope voucher on the transaction platform 20 side is also reduced by 30 yuan, and the balance becomes 0 yuan.

When the transaction status information is in the selling status, the user a applies for a full refund, and the data composition information of the first withdrawal data determined at the payment platform 30 is: the first revocation data provider is a vouching intermediate account and the refund amount is a vouching intermediate account 100 (20 from the front marketing gift bag and 80 from the buyer balance account). The vouching intermediate account then types 100 dollars into the refund transitional account.

Because the marketing red envelope returned by the commodity exchange is 30 yuan, and the user A applies for the full refund, the marketing red envelope to be refunded is 30 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red package is 0 dollar, the marketing red package to be returned is 30-0=30 dollars. In addition, the funds of the refund transitional account are sourced from the guarantee intermediate account, so that the data composition information of the second withdrawal data is determined as follows: a buyer balance account of 70 dollars and a platform bonus account of 30 dollars, wherein 20 dollars are purchased with a front-end marketing gift bag and 10 dollars are purchased using a cash balance. The refund transitional account then returns 70 dollars to the buyer balance account and 30 dollars to the platform bonus account. Meanwhile, the red envelope voucher on the transaction platform 20 side remains 0 yuan.

When the transaction status information is in the after-sales status, the user a applies for a full refund, and the data composition information of the first revocation data determined at the payment platform 30 is: the first revocation data provider is a seller account with a refund amount of 100. The seller account then types 100 dollars into a refund transition account.

Because the marketing red envelope returned by the commodity exchange is 30 yuan, and the user A applies for refund 50%, the marketing red envelope to be refunded is 30 yuan. In addition, since the 30-yuan marketing red package is used in the subsequent commodity transaction, the remaining marketing red package is 0 yuan, and the marketing red package that needs to be returned is 30 yuan. In addition, the fund of the refund transition account is derived from the account of the seller, so that the data of the second withdrawal data is determined to be composed of the following information: buyer balance account 70 yuan, and platform red envelope account 30 yuan (marketing gift package 20 yuan + balance 10 yuan). The refund transitional account then returns 70 dollars to the buyer balance account and 30 dollars to the platform bonus account. Meanwhile, the red envelope voucher on the transaction platform 20 side remains 0 yuan.

Further, if the 30-dollar marketing package used is restored for a subsequent refund, the restored 30-dollar marketing package may be marked as refundable, with the package voucher on the transaction platform 20 side being increased by 30 dollars to 30 dollars. Then, if the recovered 30-dollar marketing package fails due to expiration, the platform package account returns 30 dollars to the buyer balance account.

As shown in fig. 7B, the user a performs transaction payment by using the prepositive marketing gift bag and the buyer balance account, the transaction amount is 100, wherein the prepositive marketing gift bag is 20 yuan, and the buyer balance account is 80 yuan. The platform marketing account provides the user with a 30-dollar marketing package corresponding to the transaction, and the marketing package is used 30 dollars in subsequent merchandise transactions. Accordingly, the marketing red envelope account corresponding to the user is reduced by 30 yuan, the red envelope voucher on the transaction platform 20 side is also reduced by 30 yuan, and the balance becomes 0 yuan.

When the transaction state information is in the selling state, the user a applies for a refund of 50 yuan, and at the payment platform 30, according to the fund proportion of the transaction funding account (advanced marketing gift package: buyer balance account = 20): the first withdrawal data provider is the guarantee intermediary account, and the refund amount is 50 yuan of the guarantee intermediary account (the preposed marketing gift 10+ the buyer balance account 40). The vouching intermediate account then types 50 dollars into the refund transitional account.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red package is 0 dollar, the marketing red package required to be refunded is 15-0=15 dollars. In addition, the funds of the refund transitional account are sourced from the guarantee intermediate account, so that the data composition information of the second withdrawal data is determined as follows: buyer balance account 35 yuan, and platform red envelope account 15 yuan, wherein marketing gift package purchases 10 yuan and buyer balance purchases 5 yuan. The refund transitional account is then returned 35 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

When the transaction status information is in the after-sales status, the user a applies for a refund of 50 yuan, and according to the fund proportion of the transaction funding account (preposed marketing gift package: buyer balance account = 20), the data composition information of the first withdrawal data determined at the payment platform 30 is: the first revocation data provider is a seller account with a refund amount of 50. The seller account then types 50 dollars into the refund transitional account.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 15-0=15 dollars. In addition, the fund of the refund transition account is derived from the account of the seller, so that the data of the second withdrawal data is determined to be composed of the following information: buyer balance account 35-tuple (pre-marketing gift package 7+ buyer balance account 28), and platform red package account 15-tuple (pre-marketing gift package 3+ buyer balance account 12). Here, the data composition ratio in the second revocation data returned to the buyer balance account and the platform bonus account is determined based on the data composition ratio of the first revocation data. The refund transitional account is then returned 35 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 30-dollar marketing red envelope used is restored as a result of a subsequent refund, the 30-dollar marketing red envelope may be restored and marked as refundable, while the red envelope voucher on the transaction platform 20 side is increased by 30 dollars to 30 dollars. Then, if the recovered 30-dollar marketing package fails due to expiration, the platform package account returns 15 dollars to the buyer balance account.

As shown in fig. 7C, the user a pays the transaction amount of 100 using the front marketing gift bag of 20 yuan and the buyer balance account of 80 yuan. The platform marketing account provides the user with a 30-dollar marketing package corresponding to the transaction, and the marketing package is used 30 dollars in subsequent merchandise transactions. Accordingly, the marketing red envelope account corresponding to the user is reduced by 30 yuan, the red envelope voucher on the transaction platform 20 side is also reduced by 30 yuan, and the balance becomes 0 yuan.

When the transaction state information is in the selling state, the user a applies for a refund of 50 yuan, and determines that the data composition information of the first withdrawal data is as follows according to a designated refund sequence (balance after marketing): the first withdrawal data provider is the guarantee intermediary account, and the refund amount is 50 yuan of the guarantee intermediary account (the preposed marketing gift bag 20+ the buyer balance account 30). The vouching intermediate account then types 50 dollars into the refund transitional account.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 15-0=15 dollars. In addition, the funds of the refund transitional account are sourced from the secured intermediate account, thereby determining that the data composition information of the second withdrawal data is: buyer balance account 35 yuan (pre marketing gift package 5+ buyer balance account 30), and platform red package account 15 yuan (pre marketing gift package purchase 15 yuan). The refund transitional account then returns 35 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

When the transaction status information is in the after-sales status, after the user a applies for a refund of 50 yuan, the data composition information of the first revocation data determined at the payment platform 30 is: the first revocation data provider is a seller account with a refund amount of 50. The seller account then types 50 dollars into the refund transitional account.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 15-0=15 dollars. In addition, the fund of the refund transition account is derived from the account of the seller, so that the data of the second withdrawal data is determined to be composed of the following information: buyer balance account 35 yuan (pre marketing gift package 5+ buyer balance account 30), and platform red package account 15 yuan (pre marketing gift package purchase 15 yuan). The refund transitional account then returns 35 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

In the example shown in fig. 7A, 7B and 7C, it amounts to purchasing a marketing gift package requiring a return to the platform marketing gift package account using the buyer balance account 7, and returning the corresponding cash to the buyer balance account when the purchased marketing gift package is expired.

Fig. 8A, 8B and 8C show schematic diagrams of the refund processing procedure in the case where the funding account is a buyer balance account, an flower account and a front marketing account, in which fig. 8A shows the case of a full refund, fig. 8B shows the case of a partial refund performed according to the scale rule, and fig. 8C shows the case of a partial refund performed in a specified refund order.

As shown in fig. 8A, the user a uses the pre-marketing gift bag, the buyer balance account and the flower account to make transaction payment, and the transaction amount paid is 100, wherein the pre-marketing gift bag is 20 yuan, the buyer balance account is 40 yuan and the flower account is 40 yuan. The platform red envelope account provides a 30 dollar marketing red envelope for the user corresponding to the transaction, and the marketing red envelope is used 30 dollars in subsequent commodity transactions. Accordingly, the marketing red envelope account corresponding to the user is reduced by 30 yuan, the red envelope voucher on the transaction platform 20 side is also reduced by 30 yuan, and the balance becomes 0 yuan.

When the transaction status information is in the selling status, the user a applies for a full refund, and the data composition information of the first withdrawal data determined at the payment platform 30 is: the first withdrawal data provider is a guarantee intermediate account and an flower account, the refund amount is a guarantee intermediate account 60 (20 yuan from a front marketing gift bag and 40 yuan from a buyer balance account) and the flower account is 40 yuan. Then, the guarantee intermediate account sends 60 yuan to the refund transition account, and the flower account sends 40 yuan to the refund transition account.

Because the marketing red envelope returned by the commodity exchange is 30 yuan, and the user A applies for the full refund, the marketing red envelope to be refunded is 30 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 30-0=30 dollars. In addition, the fund of the refund transition account is derived from the guaranty account and the flower account, so that the data composition information of the second withdrawal data is determined as follows: 30 yuan for a buyer balance account, 40 yuan for a beijiao amount at the same time, and 30 yuan for a platform red envelope account, wherein 20 yuan is purchased by a front marketing gift bag, and 10 yuan is purchased by using a cash balance. The refund transitional account is then returned 30 dollars to the buyer balance account and 30 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

When the transaction status information is in the after-sales status, the user a applies for a full refund, and the data composition information of the first withdrawal data determined at the payment platform 30 is: the first revocation data provider is a seller account with a refund amount of 100. The seller account then types 100 dollars into the refund transitional account.

Because the marketing red envelope returned by the commodity exchange is 30 yuan, and the user A applies for the full refund, the marketing red envelope to be refunded is 30 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 30-0=30 dollars. In addition, the fund of the refund transition account is derived from the account of the seller, so that the data of the second withdrawal data is determined to be composed of the following information: a buyer balance account of 70 dollars (marketing gift package 20 dollars + balance 50 dollars), and a platform red package account of 30 dollars. The refund transitional account then returns 70 dollars to the buyer balance account and 30 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 30-dollar marketing package used is restored for a subsequent refund, the restored 30-dollar marketing package may be marked as refundable, with the package voucher on the transaction platform 20 side being increased by 30 dollars to 30 dollars. Then, if the recovered 30-dollar marketing red envelope fails due to expiration and flowers are already returned, the platform red envelope account returns 30 dollars to the buyer balance account. If the recovered 30-dollar marketing red envelope fails due to expiration and flowers are not yet in reserve, the platform red envelope account returns 30 dollars to the buyer balance account.

As shown in fig. 8B, the user a uses the prepositive marketing gift bag, the buyer balance account and the flower account to make transaction payment, the amount of the transaction paid is 100, wherein the prepositive marketing gift bag is 20 yuan, the buyer balance account is 40 yuan and the flower account is 40 yuan. The platform marketing account provides a 30-dollar marketing package to the user for the transaction, and the marketing package is used 30 dollars in subsequent merchandise transactions. Accordingly, the marketing red envelope account corresponding to the user is reduced by 30 yuan, the red envelope voucher on the transaction platform 20 side is also reduced by 30 yuan, and the balance becomes 0 yuan.

When the transaction state information is in a selling state, the user a applies for 50 yuan of refund, and at the payment platform 30, according to the fund proportion of the transaction payment account (preposed marketing gift package: buyer balance account: bei account = 40), it is determined that the data composition information of the first withdrawal data is: the first withdrawal data provider is a guarantee intermediate account and a flower account, the refund amount is 30 yuan (the preposed marketing gift bag 10+ the buyer balance account 20) of the guarantee intermediate account, and the flower account is 20 yuan. Then, the guarantee intermediate account sends 30 yuan to the refund transition account, and the flower account sends 20 yuan to the refund transition account.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red package is 0 dollar, the marketing red package required to be refunded is 15-0=15 dollars. In addition, the fund of the refund transition account is derived from the guaranty account and the flower account, so that the data composition information of the second withdrawal data is determined as follows: the buyer balance account is 15 yuan, while the 20 yuan is recovered, and the platform red envelope account is 15 yuan, wherein the marketing gift bag purchases 10 yuan and the buyer balance purchases 5 yuan. The refund transitional account is then returned 15 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 50% refund, the marketing red packet to be refunded is 30 × 50% =15 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, the remaining marketing red packages are 0 dollars, and the marketing red packages that need to be refunded are 15 dollars. In addition, the funds of the refund transitional account are derived from the seller account, so that the data composition information of the second withdrawal data is determined as follows: buyer balance account 35 yuan, and platform red envelope account 15 yuan (front marketing gift package 10+ buyer balance account 5). The refund transitional account then returns 35 dollars to the buyer balance account and 15 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 30-dollar marketing package used is restored due to a subsequent refund, the 30-dollar marketing package may be restored and marked as refundable, while the package voucher on the transaction platform 20 side is increased by 30 dollars, becoming 30 dollars. Then, if the restored 30-dollar marketing package fails due to expiration, the platform package account returns 15 dollars to the buyer balance account.

As shown in fig. 8C, the user a uses the pre-marketing gift bag, the buyer balance account and the flower account to make transaction payment, and the transaction amount paid is 100, wherein the pre-marketing gift bag is 20 yuan, the buyer balance account is 40 yuan and the flower account is 40 yuan. The platform marketing account provides the user with a 30-dollar marketing package corresponding to the transaction, and the marketing package is used 30 dollars in subsequent merchandise transactions. Accordingly, the marketing red envelope account corresponding to the user is decreased by 30 yuan, the red envelope voucher at the transaction platform 20 side is also decreased by 30 yuan, and the balance becomes 0 yuan.

When the transaction state information is in a selling state, the user a applies for 70 yuan of refund, and determines that the data composition information of the first withdrawal data is as follows according to a designated refund sequence (balance after the account is tied to the account first and the flower is tied to the account first) at the payment platform 30: the first withdrawal data provider is a guarantee intermediate account and a flower account, the refund amount is 30 yuan (the preposed marketing gift bag 20+ the buyer balance account 10) of the guarantee intermediate account, and the flower account is 40. Then, the guarantee intermediate account sends 30 yuan to the refund transitional account, and the flower account sends 40 yuan to the refund transitional account.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 70% refund, the marketing red packet to be refunded is 30 × 70% =21 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, and the remaining marketing red packages are 0 dollars, the marketing red package to be refunded is 21-0=21 dollars. In addition, the fund of the refund transition account is derived from the guarantee intermediate account and the flower account, so that the data composition information of the second withdrawal data is determined as follows: the balance account of the buyer is 9 yuan, and the amount of flowers of 40 yuan is recovered, and the platform red envelope account is 21 yuan (20 yuan for purchase of the preposed marketing gift package and 1 yuan for balance of the buyer). The refund transitional account then returns 9 dollars to the buyer balance account and 21 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

When the transaction status information is in the after-sales status, the user a applies for a refund of 70 yuan, and the data composition information of the first revocation data determined at the payment platform 30 is: the first revocation data provider (being the seller's account, the refund amount is 70. The seller's account then types 70 dollars into the refund transitional account.

Since the marketing red packet returned by the commodity transaction is 30 yuan, and the user a applies for 70% refund, the marketing red packet to be refunded is 30 x 70% =21 yuan. In addition, since the 30-dollar marketing red package is used in the subsequent commodity transaction, the remaining marketing red package is 0 dollar, and the marketing red package to be refunded is 21 dollars. In addition, the fund of the refund transition account is derived from the account of the seller, so that the data of the second withdrawal data is determined to be composed of the following information: a buyer balance account of 49 yuan, and a platform red account of 21 yuan. The refund transitional account then returns 49 dollars to the buyer balance account and 21 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

Further, if the 30-dollar marketing red envelope used is restored as a result of a subsequent refund, the 30-dollar marketing red envelope may be restored and marked as refundable, while the red envelope voucher on the transaction platform 20 side is increased by 30 dollars to 30 dollars. Then, if the restored 30-dollar marketing package fails due to expiration, the platform package account returns 21 dollars to the buyer balance account.

In the examples shown in fig. 8A, 8B and 8C, a marketing gift package requiring return to the platform marketing gift package account is purchased equivalently using the debit funds in the buyer balance account and/or the flower account, and when the purchased marketing gift package fails, the corresponding cash is returned to the buyer balance account or the corresponding flower amount is restored.

Fig. 9A shows a schematic diagram of a refund process when a merchant red package and a platform red package are used with the sponsor being a buyer balance account.

As shown in fig. 9A, for a commodity transaction with a transaction amount of 100 dollars, user a makes a transaction payment using a buyer balance account. For the commodity transaction, the merchant platform returns a 10-element merchant marketing red packet, and the transaction platform returns a 20-element platform marketing red packet. The merchant marketing red envelope and the platform marketing red envelope obtained for the commodity exchange to be refunded use 8-ary and 5-ary elements, respectively, in subsequent commodity transactions.

When the transaction state information is in a selling state, after the user A applies for a refund of 90 yuan, determining that the data composition information of the first withdrawal data is as follows: the first withdrawal data provider is a guarantee intermediate account, and the refund amount is 90 x 90% =81 yuan. The vouching intermediate account then types 81 dollars into the refund transitional account.

In addition, since the usage amount of the merchant marketing red packet is 8 yuan, the usage amount of the platform marketing red packet is 5 yuan, and the user a applies for a refund of 90%, it is determined that the data composition information of the second revocation data is: buyer balance account 78 yuan, and platform red envelope account 3 yuan. Here, since 90 dollars are refunded, 90 × 20% =18 dollars should be refunded in proportion to 100 dollars returning 20 dollars. And the 20-element platform marketing gift package returned by the 100-element commodity exchange uses 5 elements and remains 15 elements, so that the user A is required to buy 18-15=3 elements by using cash balance. The refund transitional account then returns 78 dollars to the buyer balance account and 3 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

For the merchant marketing gift bag, 90 yuan is refunded, 90 x 10% =9 yuan is required according to the proportion of returning 10 yuan to 100 yuan, and 9-8=1 yuan can be refunded because 8 yuan is used. The refund funds are provided by the merchant pool of red funds to the seller's account and then by the seller's account to the buyer's account.

Further, if the 8-ary merchant marketing red package and the 5-ary platform marketing red package used are restored due to a subsequent refund, the 8-ary merchant marketing red package and the 5-ary platform marketing red package may be restored and marked as returnable, while the merchant red package voucher on the transaction platform 20 side is increased by 8 to 9; the platform red envelope voucher is increased by 5 yuan and is changed into 5 yuan. Then, if the recovered 8-tuple merchant marketing package fails due to expiration, 8 tuples are provided by the merchant's portfolio fund pool to the seller account, and then 8 tuples are provided by the seller account to the buyer account. If the restored 5-dimensional platform marketing package fails due to expiration, then 3-dimensional is provided by the platform package account to the buyer account.

Fig. 9B shows a schematic diagram of a refund process when a merchant red envelope and platform red envelope are used where the sponsor is a buyer balance account and a front marketing gift envelope.

As shown in fig. 9B, for a commodity transaction with a transaction amount of 100 yuan, the user a performs transaction payment by using a buyer balance account and a front marketing gift bag, wherein the buyer balance account is 80 yuan and the front marketing gift bag is 20 yuan. For the commodity transaction, the merchant platform returns a 10-element merchant marketing red packet, and the transaction platform returns a 20-element platform marketing red packet. The merchant marketing red envelope and the platform marketing red envelope obtained for the commodity exchange to be refunded use 8-ary and 5-ary elements, respectively, in subsequent commodity transactions.

When the transaction state information is in a selling state, after the user A applies for a refund of 90 yuan, determining that the data composition information of the first withdrawal data is as follows: the first withdrawal data provider is a guarantee intermediate account, the refund amount is 90 x 90% =81 yuan, the buyer balance account is 64.8 yuan, and the preposed marketing gift bag is 16.2 yuan. The vouching intermediate account then types 81 dollars into the refund transitional account.

In addition, since 90 dollars are refunded, 90 × 20% =18 dollars should be refunded in proportion to 100 dollars returning 20 dollars. And the 20-element platform marketing gift package returned by the 100-element commodity exchange uses 5 elements and remains 15 elements, so that the user a is required to purchase 18-15=3 elements by using the front marketing gift package, and the data composition information of the second withdrawal data is determined as follows: a buyer balance account of 78 dollars (buyer balance account 64.8 dollars + pre-marketing gift bag 13.2 dollars), and a platform red envelope account of 3 dollars (pre-marketing gift bag 3 dollars). The refund transitional account is then returned 78 dollars to the buyer balance account and 3 dollars to the platform bonus account. Meanwhile, the red envelope voucher at the transaction platform 20 side is kept at 0-tuple.

For the merchant marketing gift bag, 90 yuan is refunded, 90 x 10% =9 yuan is required according to the proportion of returning 10 yuan to 100 yuan, and 9-8=1 yuan can be refunded because 8 yuan is used. Of the 1 st, 0.8 th from the buyer balance account and 0.2 th from the front marketing gift bag. The refund funds are provided to the seller account from the merchant pool of red envelope funds and then provided to the buyer balance account from the seller account.

Further, if the 8-ary merchant marketing red package and the 5-ary platform marketing red package used are restored due to a subsequent refund, the 8-ary merchant marketing red package and the 5-ary platform marketing red package may be restored and marked as returnable, while the merchant red package voucher on the transaction platform 20 side is increased by 8 to 9; the platform red envelope voucher is increased by 5 yuan and becomes 5 yuan. Then, if the recovered 8-dollar merchant marketing package fails due to expiration, 8 dollars are provided by the merchant package fund pool to the seller account, and then 8 dollars are provided by the seller account to the buyer account. If the restored 5-dimensional platform marketing package fails due to expiration, then 3-dimensional is provided by the platform package account to the buyer account.

Shown in fig. 9B is the determination of data composition information for the second revocation data according to rules of funding proportion of the transaction funding account. Likewise, the data composition information of the second revocation data may be determined based on a rule specifying the refund order as described in fig. 6C, 7C, and 8C.

Fig. 10 is a block diagram of an apparatus for revoking a data transfer operation (hereinafter simply referred to as a data transfer revoking apparatus) 1000 according to an embodiment of the present disclosure. As shown in fig. 10, the data transfer revocation apparatus 1000 includes a revocation request receiving unit 1010, a first revocation data determination unit 1020, a first revocation data acquisition unit 1030, a second revocation data determination unit 1040, and a second revocation data transmission unit 1050.

The revocation request receiving unit 1010 is configured to receive a first revocation request for a data transfer operation and data transfer operation information from a data transfer server, the data transfer operation information including data transfer state information and data composition information of transfer data, the data composition information of the transfer data including a transfer data source composition and an amount of data provided by each transfer data source, the transfer data source including a data transfer initiator and/or a borrowable data owner. Here, the first revocation request is generated after the data transfer server receives a second revocation request issued by the data transfer initiator and determines that third data has been subjected to a data transfer operation. The third data includes reward data obtained from the platform data owner when the data transfer operation is generated on the data transfer server. Further, in the present disclosure, the data transfer state information includes first state information indicating that the data transfer operation is in progress or second state information indicating that the data transfer operation is completed.

Upon receiving the first revocation request and the data transfer operation information, the first revocation data determination unit 1020 determines data composition information of first revocation data including a first revocation data provider composition, a data source composition of the first revocation data provided by each first revocation data provider, and a corresponding data amount, based on the data transfer state information and the data composition information of the transfer data.

After determining the data composition information of the first revocation data, the first revocation data acquisition unit 1030 acquires corresponding data from each first revocation data provider. Then, the second revocation data determining unit 1040 determines data composition information of second revocation data including a second revocation data recipient composition, a data source composition of the second revocation data received by each second revocation data recipient, and a corresponding data amount, based on the data composition information of the first revocation data and the third data, where the second revocation data recipient includes at least a platform data owner.

After determining the data composition information of the second revocation data, the second revocation data transmitting unit 1050 transmits the corresponding data to each second revocation data receiver.

Further, in one example of the present disclosure, the first revocation request further comprises an amount of data transfer of the third data. Accordingly, the second revocation data determination unit 1040 is configured to: determining data composition information of the second revocation data based on data composition information of the first revocation data and a data transfer amount of the third data.

Further, in another example of the present disclosure, the second revocation request may further include a revocation data application amount. Accordingly, the first revocation data determination unit 1020 is configured to: and determining data composition information of the first revocation data based on the data transfer state information, the data composition information of the transfer data and the data revocation application amount.

Further, in another example of the present disclosure, the first revocation request may further comprise an amount of data transfer of the third data. Accordingly, the second revocation data determination unit 1040 is configured to: and determining the data composition information of the second withdrawn data based on the data composition information of the first withdrawn data, the withdrawal data application amount and the data transfer amount of the third data.

Further, in one example of the present disclosure, the at least one revoked data provider includes a data transfer intermediate handler when the data transfer state information is the first state information, and the at least one revoked data provider includes a transfer data receiver when the data transfer state information is the second state information.

Further, in one example of the present disclosure, the first revocation data determination unit 1020 is configured to determine data composition information of the first revocation data based on the first data composition determination rule and the data composition information of the transfer data. The first data composition determination rule may include: transferring data composition proportion in the data; or a specified data source withdrawal order and/or data source withdrawal ratio. .

Further, in another example of the present disclosure, the second revocation data determination unit 1040 may be configured to: determining data composition information of second revocation data using a second data composition determination rule based on the data composition information of the first revocation data and the third data, the second data composition determination rule including: data composition ratios in the first revocation data; or a specified data source withdrawal order and/or data source withdrawal ratio.

Further, optionally, the data transfer retraction device 100 may further include a marking unit 1060. The marking unit 1060 is configured to mark fourth data that is reward data restored due to revocation processing of a data transfer operation for the third data, the marking indicating that data of a corresponding data amount is returned to the data transfer party after the fourth data is invalidated.

Further, optionally, the data transfer revocation apparatus 100 may further include a data return unit 1070. The data returning unit 1070 is configured to cause the platform data owner to initiate Fang Fanhai a first amount of data to the data transfer after the marked fourth data is invalid, the first amount of data being equal to the amount of data of the second revocation data received by the platform data owner.

Further optionally, in one example, the data composition information of the transfer data indicates that the transfer data includes data from a borrowed data owner and the second revocation data received by the platform data owner includes data from the borrowed data owner. Accordingly, the data return unit 1070 is configured to: after the marked fourth data is invalid, if the data borrowed by the borrowed data owner from the data transfer initiator is returned, the platform data owner enables the platform data owner to initiate Fang Fanhai data with a first data size; or if the data borrowed by the borrowed data owner from the data transfer initiator is not returned, the platform data owner is enabled to initiate Fang Fanhai data transfer to the data transfer initiator by a second data amount, wherein the second data amount is equal to a data amount obtained by subtracting the data amount from the borrowed data owner from the data amount of the second withdrawal data received by the platform data owner.

Further, optionally, the third data may further include another bonus data obtained from another platform data owning party when the data transfer operation is generated on the data transfer server, the data amount of the other bonus data being determined by the other platform data owning party based on the transfer data amount of the data transfer operation and the predetermined ratio. Accordingly, the first revocation data determination unit 1020 may be configured to: data composition information of the first revocation data is determined based on the data transition state information, the data composition information of the transition data, and the predetermined ratio.

Embodiments of methods and apparatus for revoking data transfer operations according to embodiments of the present disclosure are described above with reference to fig. 1-10. The above data transfer revocation apparatus may be implemented by hardware, or may be implemented by software, or a combination of hardware and software.

Fig. 11 illustrates a hardware block diagram of a computing device 1100 for revoking data transfer operations, according to an embodiment of the present disclosure. As shown in fig. 11, computing device 1100 may include at least one processor 1110, memory 1120, memory 1130, and communication interface 1140, with the at least one processor 1110, memory 1120, memory 1130, and communication interface 1140 being coupled together via bus 1160. The at least one processor 1110 executes at least one computer-readable instruction (i.e., the elements described above as being implemented in software) stored or encoded in memory.

In one embodiment, computer-executable instructions are stored in the memory that, when executed, cause the at least one processor 1110 to: receiving a first revocation request aiming at data transfer operation and data transfer operation information from a data transfer server, wherein the data transfer operation information comprises data transfer state information and data composition information of transfer data, the data composition information of the transfer data comprises transfer data source composition and data quantity provided by each transfer data source, and the transfer data sources comprise data transfer initiators and/or borrowable data owners; determining data composition information of first revocation data based on the data transfer state information and data composition information of the transfer data, wherein the data composition information of the first revocation data comprises a first revocation data provider composition, a data source composition of the first revocation data provided by each first revocation data provider, and a corresponding data amount; acquiring corresponding data from each first revocation data provider; determining data composition information of second revocation data based on data composition information of the first revocation data and third data, wherein the data composition information of the second revocation data comprises second revocation data receiver compositions, data source compositions of the second revocation data received by each second revocation data receiver and corresponding data volumes, and the second revocation data receivers at least comprise a platform data owner; and sending corresponding data to each second revocation data receiver, wherein the third data comprises reward data obtained from a platform data owner when a data transfer operation is generated on the data transfer server, and the first revocation request is generated after the data transfer server receives a second revocation request sent by the data transfer initiator and determines that the third data has been subjected to the data transfer operation.

It should be understood that the computer-executable instructions stored in the memory, when executed, cause the at least one processor 1110 to perform the various operations and functions described above in connection with fig. 1-10 in the various embodiments of the present disclosure.

In the present disclosure, computing device 1100 may include, but is not limited to: personal computers, server computers, workstations, desktop computers, laptop computers, notebook computers, mobile computing devices, smart phones, tablet computers, cellular phones, personal Digital Assistants (PDAs), handheld devices, messaging devices, wearable computing devices, consumer electronics, and the like.

According to one embodiment, a program product, such as a machine-readable medium, is provided. A machine-readable medium may have instructions (i.e., elements described above as being implemented in software) that, when executed by a machine, cause the machine to perform various operations and functions described above in connection with fig. 1-10 in various embodiments of the present disclosure. Specifically, a system or apparatus may be provided which is provided with a readable storage medium on which software program code implementing the functions of any of the above embodiments is stored, and causes a computer or processor of the system or apparatus to read out and execute instructions stored in the readable storage medium.

In this case, the program code itself read from the readable medium can realize the functions of any of the above-described embodiments, and thus the machine-readable code and the readable storage medium storing the machine-readable code constitute a part of the present invention.

Examples of the readable storage medium include floppy disks, hard disks, magneto-optical disks, optical disks (e.g., CD-ROMs, CD-R, CD-RWs, DVD-ROMs, DVD-RAMs, DVD-RWs), magnetic tapes, nonvolatile memory cards, and ROMs. Alternatively, the program code may be downloaded from a server computer or from the cloud via a communications network.

It will be understood by those skilled in the art that various changes and modifications may be made to the various embodiments disclosed above without departing from the spirit of the invention. Accordingly, the scope of the invention should be limited only by the attached claims.

It should be noted that not all steps and units in the above flows and system structure diagrams are necessary, and some steps or units may be omitted according to actual needs. The execution order of the steps is not fixed, and can be determined as required. The apparatus structures described in the above embodiments may be physical structures or logical structures, that is, some units may be implemented by the same physical entity, or some units may be implemented by a plurality of physical entities, or some units may be implemented by some components in a plurality of independent devices.

In the above embodiments, the hardware units or modules may be implemented mechanically or electrically. For example, a hardware unit, module or processor may comprise permanently dedicated circuitry or logic (such as a dedicated processor, FPGA or ASIC) to perform the corresponding operations. The hardware units or processors may also include programmable logic or circuitry (e.g., a general purpose processor or other programmable processor) that may be temporarily configured by software to perform the corresponding operations. The specific implementation (mechanical, or dedicated permanent, or temporarily set) may be determined based on cost and time considerations.

The detailed description set forth above in connection with the appended drawings describes exemplary embodiments but does not represent all embodiments that may be practiced or fall within the scope of the claims. The term "exemplary" used throughout this specification means "serving as an example, instance, or illustration," and does not mean "preferred" or "advantageous" over other embodiments. The detailed description includes specific details for the purpose of providing an understanding of the described technology. However, the techniques may be practiced without these specific details. In some instances, well-known structures and devices are shown in block diagram form in order to avoid obscuring the concepts of the described embodiments.

The previous description of the disclosure is provided to enable any person skilled in the art to make or use the disclosure. Various modifications to the disclosure will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other variations without departing from the scope of the disclosure. Thus, the disclosure is not intended to be limited to the examples and designs described herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A method for revoking data transfer operations, comprising:

receiving a first withdrawal request aiming at data transfer operation and data transfer operation information from a data transfer server, wherein the data transfer operation information comprises data transfer state information and data composition information of transfer data, the data composition information of the transfer data comprises transfer data source composition and data quantity provided by each transfer data source, and the transfer data sources comprise data transfer initiators and/or borrowable data owners;

determining data composition information of first revocation data based on the data transfer state information and data composition information of the transfer data, the data composition information of the first revocation data including a first revocation data provider composition, a data source composition of the first revocation data provided by each first revocation data provider, and a corresponding data amount;

acquiring corresponding data from each first revocation data provider;

determining data composition information of second revocation data based on the data composition information of the first revocation data and third data, wherein the data composition information of the second revocation data comprises second revocation data receiver compositions, data source compositions of the second revocation data received by each second revocation data receiver and corresponding data volumes, and the second revocation data receivers at least comprise platform data owners; and

corresponding data is sent to each second revoked data receiver,

wherein the third data comprises reward data obtained from the platform data owner while the data transfer operation is generated on the data transfer server, the first revocation request being generated after the data transfer server receives a second revocation request issued by the data transfer initiator and determines that the third data has been subjected to a data transfer operation.

2. The method of claim 1, wherein the data transfer status information comprises first status information indicating that a data transfer operation is in progress or second status information indicating that a data transfer operation is complete.

3. The method of claim 1, wherein the first recall request is generated after the data transfer server determines that the amount of data for which reward data should be recalled is less than the amount of data for which reward data should be recalled.

4. A method according to claim 3 wherein the second retraction request includes an operation number of the data transfer operation,

wherein the data transfer state information and the data composition information of the transfer data are determined at the data transfer server based on an operation number of the data transfer operation.

5. A method as recited in claim 1, wherein the first revocation request further comprises an amount of data transfer of the third data, and

determining data composition information of second revocation data based on data composition information of the first revocation data and third data includes:

determining data composition information of the second revocation data based on data composition information of the first revocation data and a data transfer amount of the third data.

6. A method as recited in claim 1, wherein the second revocation request further comprises a revocation data application amount, and

determining data composition information of first revocation data based on the data transition status information and data composition information of the transition data includes:

and determining data composition information of the first revocation data based on the data transfer state information, the data composition information of the transfer data and the data revocation application amount.

7. A method as recited in claim 6, wherein the first revocation request further comprises an amount of data transfer of the third data, and

determining data composition information of the second revocation data based on data composition information of the first revocation data, the revocation data application amount, and the data transfer amount of the third data.

8. A method as recited in claim 2, wherein when the data transfer status information is first status information, the first revocation data provider comprises a data transfer intermediate handler and/or a borrowable data owner, and

when the data transfer status information is second status information, the first revocation data provider includes a transfer data recipient.

9. The method of claim 1, wherein the data composition information of the first revocation data is determined based on a first data composition determination rule and the data composition information of the transfer data, the first data composition determination rule comprising:

the data composition ratio in the transfer data; or

A specified data source retraction order and/or a data source retraction scale.

10. A method according to claim 1 wherein the data composition information of the second revocation data is determined based on a second data composition determination rule comprising:

data composition ratios in the first revocation data; or

A specified data source retraction order and/or a data source retraction scale.

11. The method of claim 10 wherein a data source composition and corresponding amount of data of second revocation data received by said platform data owner is determined based on said second data composition determination rule.

12. The method of claim 1, further comprising:

marking fourth data indicating that data of a corresponding data amount is returned to the data transfer party after the fourth data is invalidated, the fourth data being bonus data restored due to revocation processing of a data transfer operation for the third data.

13. The method of claim 12, further comprising:

after the marked fourth data is invalid, the platform data owner is enabled to initiate Fang Fanhai data transfer to the data transfer with a first data amount equal to a data amount of second retraction data received by the platform data owner.

14. The method of claim 13, wherein the data composition information of the transfer data indicates that the transfer data includes data from a borrowed data owner and the second revocation data received by the platform data owner includes data from the borrowed data owner,

after the marked fourth data fails, causing the platform data owner to initiate Fang Fanhai a first amount of data to the data transfer initiator comprises:

when the data transfer initiator returns the data borrowed by the borrowed data owner, the platform data owner initiates Fang Fanhai data of a first data volume to the data transfer initiator; or

When the data transferred from the borrowable data owner is not returned, the platform data owner is enabled to initiate Fang Fanhai a second amount of data to the data transfer owner, wherein the second amount of data is equal to the amount of data obtained by subtracting the amount of data from the borrowable data owner from the amount of data of the second withdrawal data received by the platform data owner.

15. The method of claim 1, wherein the third data further comprises another reward data obtained from another platform data owner upon generation of the data transfer operation on the data transfer server, the another reward data having a data amount determined by the another platform data owner based on the transfer data amount of the data transfer operation and a predetermined proportion.

16. The method of claim 15, wherein determining data composition information of first revocation data based on the data transition status information and data composition information of the transition data comprises:

determining data composition information of the first revocation data based on the data transfer status information, data composition information of the transfer data, and the predetermined proportion.

17. An apparatus for revoking data transfer operations, comprising:

a revocation request receiving unit configured to receive a first revocation request for a data transfer operation and data transfer operation information from a data transfer server, the data transfer operation information including data transfer state information and data composition information of transfer data, the data composition information of the transfer data including a transfer data source composition and a data amount provided by each transfer data source, the transfer data source including a data transfer initiator and/or a borrowable data owner;

a first revocation data determination unit configured to determine data composition information of first revocation data including a first revocation data provider composition, a data source composition of first revocation data provided by each first revocation data provider, and a corresponding data amount, based on the data transition state information and data composition information of the transition data;

a first revocation data acquisition unit configured to acquire corresponding data from each first revocation data provider;

a second revocation data determining unit configured to determine data composition information of second revocation data based on data composition information of the first revocation data and third data, the data composition information of the second revocation data including a second revocation data receiver composition, a data source composition of the second revocation data received by each second revocation data receiver, and a corresponding data amount, the second revocation data receiver including at least a platform data owner; and

a second revocation data transmission unit configured to transmit corresponding data to respective second revocation data recipients,

18. The apparatus of claim 17, wherein the data transfer status information comprises first status information indicating that a data transfer operation is in progress or second status information indicating that a data transfer operation is complete.

19. The apparatus of claim 17, wherein the first revocation request further comprises an amount of data transfer of the third data, an

The second revocation data determination unit is configured to: determining data composition information of the second revocation data based on data composition information of the first revocation data and a data transfer amount of the third data.

20. An apparatus according to claim 17, wherein the second revocation request further comprises a revocation data application amount, and the first revocation data determination unit is configured to:

21. An apparatus as defined in claim 20, wherein the first revocation request further comprises an amount of data transfer of the third data, and

the second revocation data determination unit is configured to: and determining the data composition information of the second withdrawn data based on the data composition information of the first withdrawn data, the withdrawal data application amount and the data transfer amount of the third data.

22. The apparatus of claim 17, wherein the first revocation data determination unit is configured to determine data composition information of the first revocation data based on a first data composition determination rule and data composition information of the transfer data, the first data composition determination rule comprising:

the data composition ratio in the transfer data; or

A specified data source retraction order and/or a data source retraction scale.

23. The apparatus of claim 17, wherein the second revocation data determination unit is configured to:

determining data composition information of second revocation data using a second data composition determination rule based on data composition information of the first revocation data and third data, the second data composition determination rule including:

data composition ratios in the first revocation data; or alternatively

A specified data source retraction order and/or a data source retraction scale.

24. The apparatus of claim 17, further comprising:

a marking unit configured to mark fourth data indicating that data of a corresponding data amount is returned to the data transfer party after the fourth data is invalidated, the fourth data being bonus data restored due to revocation processing of a data transfer operation for the third data.

25. The apparatus of claim 24, further comprising:

a data returning unit configured to cause the platform data owner to initiate Fang Fanhai a first amount of data to the data transfer after the marked fourth data is invalid, the first amount of data being equal to an amount of data of the second retraction data received by the platform data owner.

26. The apparatus of claim 25, wherein the data composition information of the transfer data indicates that the transfer data includes data from a borrowed data owner and the second revocation data received by the platform data owner includes data from the borrowed data owner,

the data return unit is configured to: after the marked fourth data is invalidated,

if the data which is borrowed by the borrowable data owner from the data transfer initiator is returned, enabling the platform data owner to initiate Fang Fanhai data of a first data volume to the data transfer initiator; or

If the data borrowed by the borrowed data owner from the data transfer initiator is not returned, the platform data owner is enabled to send Fang Fanhai a second amount of data to the data transfer initiator, wherein the second amount of data is equal to the amount of data obtained by subtracting the amount of data from the borrowed data owner from the amount of data of the second withdrawal data received by the platform data owner.

27. The apparatus of claim 17, wherein the third data further comprises another reward data obtained from another platform data owner upon generation of the data transfer operation on the data transfer server, a data amount of the other reward data determined by the other platform data owner based on the transfer data amount of the data transfer operation and a predetermined ratio,

wherein the first revocation data determination unit is configured to:

28. A computing device, comprising:

at least one processor, and

a memory coupled with the at least one processor, the memory storing instructions that, when executed by the at least one processor, cause the at least one processor to perform the method of any of claims 1-16.

29. A machine-readable storage medium storing executable instructions that, when executed, cause the machine to perform the method of any one of claims 1 to 16.