CN110895756A - Refund guarantee transaction method, device, medium and equipment based on effect confirmation - Google Patents
Refund guarantee transaction method, device, medium and equipment based on effect confirmation Download PDFInfo
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Abstract
The invention discloses a refund guarantee transaction method, a device, a medium and electronic equipment based on effect state confirmation, wherein the refund guarantee transaction method comprises the following steps: when a refund request initiated by a user based on a purchased transaction item is received, acquiring the attribute of the transaction item, wherein the transaction item and corresponding contract terms are stored in a server; feeding back a judgment index to the user according to the attribute of the transaction item; acquiring response information of a user to the evaluation index, determining an effect state according to the response information, and acquiring contract terms corresponding to transaction items; and determining the refund amount according to the effect state and the contract terms, and paying the refund amount to a preset account. According to the technical scheme provided by the invention, when the user purchases a transaction item with an effect inferior to that expected, the rights and interests of the user can be maintained; through effective judgment, the seller can correspondingly maintain the own rights and interests; under the guarantee, the volume of bargaining is improved.
Description
Technical Field
The invention relates to the technical field of internet transaction, in particular to a refund guarantee transaction method, a refund guarantee transaction device, a refund guarantee transaction medium and electronic equipment based on effect state confirmation.
Background
With the rapid development and popularization of the internet, electronic commerce (e-commerce) is rapidly developed in the world, e-commerce is introduced to well-known large enterprises and medium and small merchants, and the e-commerce mode is more and more diversified. The transaction content on the internet also has a diversified trend, such as: the entity goods, the virtual goods, various services, the bidding items, various commercial items and various stage sub-commercial items can be the objects of the transaction as long as the two parties of the transaction achieve the requirement relationship.
However, there are some drawbacks to internet shopping, such as no service guarantee for the purchased transaction item. Although some e-commerce platforms, such as the kyoto, have additional insurance services, the insurance is an insurance service provided by a third party insurance company, the insurance service is similar to an independent transaction item, a purchase is needed to obtain the right, and the insurance service is commonly used for all transaction items. In addition, there is a common transaction item guarantee, which includes only the quality three-pack written in the product description, which is mandatory by law. At present, no guarantee service based on a transaction item body exists, so that a buyer cannot obtain the guarantee service required by the buyer and cannot be assured to purchase the transaction item, and some transaction items with slow effect and high consumption cannot be favored by the buyer.
Disclosure of Invention
The invention mainly aims to provide a refund guarantee transaction method, a refund guarantee transaction device, a refund guarantee transaction medium and refund guarantee transaction equipment based on effect confirmation, and aims to solve the problems that internet shopping cannot be comprehensively guaranteed, and some goods with slow effect and high consumption cannot be favored by buyers.
In order to achieve the above object, the refund guarantee transaction method based on effect status confirmation provided by the invention comprises the following steps:
when a refund request initiated by a user based on a purchased transaction item is received, acquiring the attribute of the transaction item, wherein the transaction item is attached with contract terms with a guarantee effect, and the transaction item and the corresponding contract terms are stored in a server;
feeding back a judgment index to a user according to the attribute of the transaction item;
acquiring response information of the user to the evaluation index, determining an effect state according to the response information, and acquiring contract terms corresponding to the transaction items;
and determining a refund amount according to the effect state and the contract terms, and paying the refund amount to a preset account.
Preferably, the step of determining the effect state according to the response information further comprises:
acquiring evaluation information only displayed on the background of the server;
acquiring reference information corresponding to the evaluation indexes from the evaluation information, and calculating the proportion of each reference information;
when the response information is not matched with the reference information or is matched with the reference information corresponding to the minimum proportion, the home-on rechecking information is sent to the user;
when receiving feedback information of the user on the home rechecking information, sending rechecking task information to a worker;
and when a rechecking result which is sent by the staff based on the rechecking task information and confirmed by the user is received, updating the response information into the rechecking result.
Preferably, the attributes of the transaction item include a physical fitness class and an educational training class.
Preferably, the evaluation index includes a plurality of sub-items, and different response information of each sub-item corresponds to different score grades; the step of determining the effect state according to the response information includes:
calculating the score grade distribution of the user to the response information of the judgment index according to the score grade corresponding to the response information of each sub-item;
and determining the effect state according to the mapping relation between the score grade distribution and the effect state.
Preferably, when the attributes of the transaction item are physical attributes, the sub-items include one or more of time of use, compliance with instructions, physical checklists, and before and after use comparisons.
Preferably, when the attributes of the transactional item are of the educational training class, the sub-items include one or more of mentoring teacher evaluation, achievement list, training time, on Shift leader/on Shift teacher evaluation.
Preferably, the step of determining a refund amount and paying the refund amount into a preset account comprises:
determining the refund amount and sending the refund amount to a preset mobile phone number in a short message form;
when the reply message of the received mobile phone number is a first code, paying the refund amount to a preset account;
and when the received reply message of the mobile phone number is a second code, sending the response message of the user to the judgment index and the contract terms to a third-party organization to enter a reexamination program.
To achieve the above object, the present invention provides a refund guarantee transaction apparatus based on effect status confirmation, comprising:
the attribute acquisition module is used for acquiring the attribute of a transaction item when a refund request initiated by a user based on the purchased transaction item is received, wherein the transaction item is attached with contract terms with a guarantee effect, and the transaction item and the corresponding contract terms are stored in a server;
the evaluation index feedback module is used for feeding back an evaluation index to the user according to the attribute of the transaction item;
the effect state determining module is used for acquiring response information of the user to the judgment index, determining an effect state according to the response information and acquiring contract terms corresponding to the transaction items;
and the refund module is used for determining refund amount according to the effect state and the contract terms and paying the refund amount to a preset account.
To achieve the above object, the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements any one of the refund guarantee transaction methods based on effect status confirmation described above.
To achieve the above object, the present invention provides an electronic device, comprising a processor and a memory, wherein the memory is used for storing executable instructions of the processor, and the processor is configured to execute any one of the refund guarantee transaction method based on effect state confirmation via executing the executable instructions.
In the technical scheme provided by the invention, the transaction item purchased by the user is attached with contract terms with a guarantee effect, and when the user initiates a refund request to the transaction item, the server can confirm the effect of the transaction item on the user according to the attribute of the transaction item and the response information of the user to the judgment index, thereby confirming the refund amount to be paid to the user. In this way, when the user purchases the transaction item with less effect than expected, the user can maintain the own rights and interests; meanwhile, through effective judgment, the seller can correspondingly maintain the own rights and interests; under the guarantee, the volume of bargaining is improved.
Drawings
FIG. 1 is a schematic flow chart illustrating a refund guarantee transaction method based on effect status confirmation according to a first embodiment of the present invention;
FIG. 2 is a schematic flow chart illustrating a refund guarantee transaction method based on effect status confirmation according to a second embodiment of the present invention;
FIG. 3 is a detailed flowchart of the steps of determining a refund amount and paying the refund amount to a preset account in the third embodiment of the refund guarantee transaction method based on effect status confirmation according to the present invention;
FIG. 4 is a block diagram of a refund guarantee transaction apparatus according to an embodiment of the present invention;
fig. 5 is a schematic block diagram of an electronic device according to an embodiment of the invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Referring to fig. 1, fig. 1 is a diagram illustrating a refund guarantee transaction method based on effect status confirmation according to a first embodiment of the present invention. In this embodiment, the refund guarantee transaction method based on effect status confirmation includes:
step S100, when a refund request initiated by a user based on a purchased transaction item is received, acquiring the attribute of the transaction item, wherein the transaction item is attached with contract terms with a guarantee effect, and the transaction item and the corresponding contract terms are stored in a server.
Specifically, a user purchases on a transaction support platform, transaction item information is provided on a visual interface of the transaction support platform, the transaction item information includes transaction item parameters and support types of support services corresponding to the transaction items, and corresponding relations exist between the transaction item parameters and the support types.
The transaction item can be an object of transaction, such as an entity commodity, a virtual commodity, various services, a bid item, various commercial items and various stage sub-commercial items thereof, as long as both transaction parties achieve a demand relationship. The transaction item information is from any one or more of the input of the merchant when the merchant is stationed on the current platform, or the data injection of other platforms except the current platform or the data capture of other platforms. The transaction item parameters include transaction item attributes, transaction item pictures, and transaction item prices. In this embodiment, the safeguard type is a safeguard effect.
When a buyer purchases, the platform displays a transaction item set with support service based on a search field input by the buyer or a clicked control on an interface, wherein the search field can be a specific transaction item name or a rough transaction item keyword or information related to support. Each transaction item on the page where the transaction item set is located may be presented in the form of a picture of the transaction item or in the form of a list.
When the purchaser pays to complete the transaction, the transaction item and corresponding contract terms are stored in the server. The method comprises the steps that a guarantee initiating control is arranged on an order page, when a buyer clicks the guarantee initiating control, a guarantee program is started, a server background receives a refund request initiated by a user based on a purchased transaction item, and due to different attributes, different judgment indexes are provided for effect states, so that the server background can obtain the attributes of the transaction item at the moment. Attributes of the transaction items include a physical fitness class and an educational training class. The physical quality category comprises weight-reducing medicines, health products, scar-removing ointment, etc., and the education training category comprises education tutoring courses, intelligence development courses, etc.
Step S200, feeding back a judgment index to a user according to the attribute of the transaction item;
step S300, acquiring response information of the user to the evaluation index;
and step S400, determining the effect state according to the response information, and acquiring contract terms corresponding to the transaction items.
Specifically, the evaluation index includes several sub-items. When the attributes of the transaction item are physical attributes, the sub-items include one or more of time of use, compliance with instructions, physical examination, and pre-and post-use comparisons.
According to the response information of the evaluation index, the reason for not achieving the effect marked by the transaction item can be obtained, the reason can be divided into a user reason and a transaction item reason, the user reason comprises that the user is not used according to the use instruction, the use time does not reach the effective time, and when the effect marked by the transaction item is not achieved due to the user reason, only a small proportion of money amount is refunded, even the money is not refunded to the financial account preset by the buyer, or the money is returned to the user account bound with the transaction guarantee platform in the form of a voucher.
When the attributes of the deal item are of the educational training class, the sub-items include one or more of mentoring teacher evaluation, achievement list, training time, on Shift leader/on Shift teacher evaluation. Wherein if the transaction item is a lesson for face-to-face instruction, the sub-item comprises a teacher evaluation, the teacher being a teacher who resides on the transaction assurance platform. When the user initiates a refund based on the type of transaction item, evaluation acquisition information is sent to the instructor teacher, and evaluation of the instructor teacher on the evaluation acquisition information is received. Further, in order to avoid the false evaluation of the teacher due to private reasons, the evaluation of the teacher needs to be confirmed by the user, and then the evaluation of the teacher is used as response information to determine the effect state, if the evaluation of the teacher by the user is not approved, the confirmation condition of the evaluation of the teacher by other users is continuously obtained, and if the ratio of the confirmation condition is lower than a preset value, the evaluation of the teacher is not used as response information to determine the effect state. If the transaction item is a course for watching video for learning online, the sub-item comprises training time, when a user clicks the video for playing, the background records the playing starting time, the starting time is displayed in the learning record of the transaction item, and the response information of the training time is the learning record directly acquired by the server background or the screenshot of the learning record page uploaded by the user.
Further, different response information of each sub-item corresponds to different score grades; the step of determining the effect state according to the response information includes:
calculating the score grade distribution of the user to the response information of the judgment index according to the score grades corresponding to the different response information of the sub items;
and determining the effect state according to the mapping relation between the score grade distribution and the effect state.
To simplify the contract terms that protect the effects, the contract terms include the effect status, the refund amount corresponding to each effect status, and the manner in which the effect status is determined. In order to simplify the determination of the effect state, the determination is performed by the score grading corresponding to the response information. For example, when the transaction item is an educational training class, the sub-items of the evaluation index are the evaluation of a teacher for guidance, the score list and the evaluation of a teacher at work, and the three sub-items are given different score grades, such as A, B and C, corresponding to each response message. When the response information of the three sub items is 2A1B, the effect status is excellent; when the response information of the three sub items is 1B2C, the effect state is poor; when the response information of the three sub items is 1A2B, or 2B1C, the effect state is good.
And step S500, determining the refund amount and paying the refund amount to a preset account according to the effect state and the contract terms.
In the technical scheme provided by the invention, the transaction item purchased by the user is attached with contract terms with a guarantee effect, and when the user initiates a refund request to the transaction item, the server can confirm the effect of the transaction item on the user according to the attribute of the transaction item and the response information of the user to the judgment index, thereby confirming the refund amount to be paid to the user. In this way, when the user purchases the transaction item with less effect than expected, the user can maintain the own rights and interests; meanwhile, through effective judgment, the seller can correspondingly maintain the own rights and interests; under the guarantee, the volume of bargaining is improved.
Referring to fig. 2, a refund guarantee transaction method based on effect status confirmation according to a second embodiment of the present invention, the refund guarantee transaction method based on effect status confirmation according to the first embodiment of the present invention, further includes, before the step of determining the effect status according to the response information:
step S401, obtaining evaluation information displayed only in the background of the server.
Specifically, the evaluation information displayed only on the background of the server is more valuable than the evaluation information displayed to all consumers, so that the evaluation of the user in the wind is avoided. In addition, in order to avoid malicious evaluation of the user, when the evaluation information is obtained, the trust value of the user issuing the evaluation information is obtained firstly, the trust value is derived from the credit scores of financial platforms such as the evaluation of merchants of various shopping platforms to the user or a payment treasure, and the evaluation information is adopted when the trust value of the user reaches a preset value.
Step S402, acquiring reference information corresponding to the evaluation indexes from the evaluation information, and calculating the proportion of each reference information;
step S403, when the response information is not matched with the reference information or matched with the reference information corresponding to the minimum proportion, the home-on rechecking information is sent to the user;
step S404, when receiving the feedback information of the user to the home-on rechecking information, sending rechecking task information to the staff;
and step S405, updating the response information into a rechecking result when a rechecking result which is confirmed by the user and sent by the staff based on the rechecking task information is received.
In this embodiment, the user's false positive effect is avoided by screening the refund request of the suspected false positive effect and checking the refund request at home, so as to protect the interests of the seller.
Referring to fig. 3, which is a third embodiment of the refund guarantee transaction method based on effect status confirmation according to the present invention, the step of determining the refund amount and paying the refund amount to the preset account based on the first or second embodiment of the refund guarantee transaction method based on effect status confirmation according to the present invention includes:
step S501, determining a refund amount and sending the refund amount to a preset mobile phone number in a form of short message;
step S502, when the reply message of the received mobile phone number is a first code, paying the refund amount to a preset account;
and step S503, when the reply message of the received mobile phone number is the second code, sending the response message of the user to the judgment index and the contract terms to a third party organization to enter a reexamination program.
Specifically, the content in the short message includes the transaction item, the refund amount, the code for achieving the refund (i.e. the first code) and the code for not agreeing to achieve the refund (i.e. the second code), the first code may be Y, and the second code may be N.
In this embodiment, the satisfaction of the user with the processing is inquired in a short message confirmation manner before the refund, so that the rights and interests of the user can be further guaranteed.
Referring to fig. 4, in an embodiment, the refund guarantee transaction apparatus based on effect status confirmation includes:
the attribute acquiring module 100 is configured to acquire an attribute of a transaction item when a refund request initiated by a user based on the purchased transaction item is received, where the transaction item is attached with a contract term with a guarantee effect, and the transaction item and the corresponding contract term are stored in a server;
the evaluation index feedback module 200 is used for feeding back an evaluation index to the user according to the attribute of the transaction item;
the effect state determining module 300 is configured to obtain response information of the user to the evaluation index, determine an effect state according to the response information, and obtain a contract term corresponding to the transaction item;
and the refund module 400 is used for determining refund amount and paying the refund amount to a preset account according to the effect state and the contract terms.
The apparatus in the embodiment shown in fig. 4 can be correspondingly used to perform the steps in the method embodiment shown in fig. 1, and the implementation principle and technical effect are similar, which are not described herein again.
Preferably, the effect status determining module 300 is further configured to obtain evaluation information only displayed on the background of the server; acquiring reference information corresponding to the evaluation indexes from the evaluation information, and calculating the proportion of each reference information; when the response information is not matched with the reference information or is matched with the reference information corresponding to the minimum proportion, the home-on rechecking information is sent to the user; when receiving feedback information of a user on home rechecking information, sending rechecking task information to a worker; and when a rechecking result which is sent by the staff based on the rechecking task information and confirmed by the user is received, updating the response information into the rechecking result.
Preferably, the refund module 400 is further configured to determine a refund amount and send the refund amount to a preset mobile phone number in the form of a short message; when the reply message of the received mobile phone number is the first code, paying the refund amount to a preset account; and when the received reply message of the mobile phone number is the second code, sending the response message of the user to the judgment index and the contract terms to a third-party organization to enter a reexamination program.
Referring to fig. 5, in an embodiment, the electronic device includes a processor 500 and a memory 600, the memory 600 is used for storing executable instructions of the processor, and the processor 500 is configured to execute the steps of the refund guarantee transaction method based on effect status confirmation in any of the above embodiments by executing the executable instructions. It can be understood that the intelligent terminal can be a television, an IPAD, a PC, a mobile phone, etc.
The present invention also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the refund guarantee transaction method based on effect status confirmation in any of the above embodiments.
In the description herein, references to the description of the term "one embodiment," "another embodiment," or "first through xth embodiments," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, method steps, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (10)
1. A refund guarantee transaction method based on effect state confirmation is characterized by comprising the following steps:
when a refund request initiated by a user based on a purchased transaction item is received, acquiring the attribute of the transaction item, wherein the transaction item is attached with contract terms with a guarantee effect, and the transaction item and the corresponding contract terms are stored in a server;
feeding back a judgment index to a user according to the attribute of the transaction item;
acquiring response information of the user to the evaluation index, determining an effect state according to the response information, and acquiring contract terms corresponding to the transaction items;
and determining a refund amount according to the effect state and the contract terms, and paying the refund amount to a preset account.
2. The refund guarantee transaction method based on effect status confirmation as claimed in claim 1, wherein the step of determining the effect status according to the response information further comprises before:
acquiring evaluation information only displayed on the background of the server;
acquiring reference information corresponding to the evaluation indexes from the evaluation information, and calculating the proportion of each reference information;
when the response information is not matched with the reference information or is matched with the reference information corresponding to the minimum proportion, the home-on rechecking information is sent to the user;
when receiving feedback information of the user on the home rechecking information, sending rechecking task information to a worker;
and when a rechecking result which is sent by the staff based on the rechecking task information and confirmed by the user is received, updating the response information into the rechecking result.
3. The chargeback security transaction method based on effect status confirmation of claim 1, wherein the attributes of the transaction item include a physical fitness class and an educational training class.
4. The chargeback security transaction method based on effect status confirmation as claimed in claim 3, wherein the evaluation index includes a plurality of sub-items, and different response information of each of the sub-items corresponds to different score levels; the step of determining the effect state according to the response information includes:
calculating the score grade distribution of the user to the response information of the judgment index according to the score grade corresponding to the response information of each sub-item;
and determining the effect state according to the mapping relation between the score grade distribution and the effect state.
5. The effect status confirmation-based refund guarantee transaction method of claim 4, wherein when the attribute of the transaction item is a physical quality class, the sub-item includes one or more of a use time, a use instruction compliance degree, a physical examination order, a comparison before and after use.
6. The chargeback security transaction method based on effect status confirmation of claim 4, wherein when the attribute of the transaction item is an educational training class, the sub-items comprise one or more of a mentor teacher evaluation, a achievement sheet, a training time, an on Shift leader/on Shift teacher evaluation.
7. A refund guarantee transaction method based on effect status confirmation according to any one of claims 1 to 6, wherein the step of determining a refund amount and paying the refund amount into a preset account comprises:
determining the refund amount and sending the refund amount to a preset mobile phone number in a short message form;
when the reply message of the received mobile phone number is a first code, paying the refund amount to a preset account;
and when the received reply message of the mobile phone number is a second code, sending the response message of the user to the judgment index and the contract terms to a third-party organization to enter a reexamination program.
8. A refund guarantee transaction apparatus based on effect status confirmation, comprising:
the attribute acquisition module is used for acquiring the attribute of a transaction item when a refund request initiated by a user based on the purchased transaction item is received, wherein the transaction item is attached with contract terms with a guarantee effect, and the transaction item and the corresponding contract terms are stored in a server;
the evaluation index feedback module is used for feeding back an evaluation index to the user according to the attribute of the transaction item;
the effect state determining module is used for acquiring response information of the user to the judgment index, determining an effect state according to the response information and acquiring contract terms corresponding to the transaction items;
and the refund module is used for determining refund amount according to the effect state and the contract terms and paying the refund amount to a preset account.
9. A computer-readable storage medium on which a computer program is stored, the program, when executed by a processor, implementing the refund guarantee transaction method based on effect status confirmation according to any one of claims 1 to 7.
10. An electronic device comprising a processor and a memory for storing executable instructions of the processor, the processor configured to perform the refund guarantee transaction method based on effect status confirmation of any of claims 1-7 via execution of the executable instructions.
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| CN106204052A (en) * | 2015-05-05 | 2016-12-07 | 阿里巴巴集团控股有限公司 | Reimbursement information processing method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106204052A (en) * | 2015-05-05 | 2016-12-07 | 阿里巴巴集团控股有限公司 | Reimbursement information processing method and device |
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| Title |
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| 中国日报网: "培训网课"3次课后不退款"专家建议购买网课前甄别资质", 《HTTPS://BAIJIAHAO.BAIDU.COM/S?ID=1594964480229833597&WFR=SPIDER&FOR=PC》 * |
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