CN110910195A

CN110910195A - Settlement method, device and storage medium for mutual guarantee of both parties of transaction

Info

Publication number: CN110910195A
Application number: CN201910968350.XA
Authority: CN
Inventors: 林景秀
Original assignee: Zhuhai Amphibole Technology Co Ltd
Current assignee: Zhuhai Amphibole Technology Co Ltd
Priority date: 2019-10-12
Filing date: 2019-10-12
Publication date: 2020-03-24

Abstract

The invention relates to a settlement method, a device and a storage medium for common guarantee of two transaction parties, which realize the guarantee transaction of the two transaction parties by receiving the payment paid by a buyer and receiving the guarantee fund paid by a seller, and balance is carried out on the two transaction parties by using the payment and the guarantee fund, so that the right and obligation tendency of the two transaction parties of technical service type transaction are equal, the two transaction parties are promoted to be friendly to communicate and solve various problems in the transaction process, and the healthy development of a technical service type transaction platform is promoted. Meanwhile, the problem that the seller needs to work and simultaneously bargain and delay the work can be effectively solved, and the working efficiency of the seller is improved.

Description

Settlement method, device and storage medium for mutual guarantee of both parties of transaction

Technical Field

The invention relates to the field of electronic commerce, in particular to a settlement method, a device and a storage medium for common guarantee of two transaction parties.

Background

With the continuous development and progress of internet technology and the increasing popularity of various internet applications, the behavior of people to purchase products and technical services through the internet is continuously increasing, so that the product accounts for 50% or more of the total consumption of individuals at present, and the future growth is expected to continue.

Technical services comprise various traditional, modern and common or special expertise and secret skills of various industries, and the demand of the services is huge today when the specialties are refined continuously.

The technical service transaction platform can not be compared with a tangible commodity transaction network platform in scale at present, and the technical service transaction platform has the biggest problems at present: it is difficult to define the price of each technical service completely and accurately, to automatically determine whether the task is finished on time with quality guarantee, and to determine who is wrong in the transaction process if disputes occur.

In reality, the customer has the problems of service quality, service content adjustment (change) and incapability of completing tasks on time due to the possibility of both buyers and sellers; for various purposes, there are cases where some sellers accept orders and do not provide services (purchase orders), cases where buyers take trouble with sellers on purpose, and the like, and the cases are complicated and varied, such as when sellers work and offer prices. These problems have greatly influenced the development of technical transaction-like service platforms. At present, network transactions also provide some guarantee settlement modes, but the above problems cannot be solved, for example, as follows:

1. prepaying money to a platform, wherein the platform is used as a guarantee settlement party (a guarantee seller);

2. seven-day unprovoked returns and the like (guarantee of the buyer);

3. the seller provides a uniform credit guarantee (one per account) that will be penalized (guaranteed buyer) if not fulfilling the commitment.

The 1 st and 2 nd points are generally applied to a commodity transaction platform, and a transaction closed loop is formed by matching with a third-party tool (an express bill number), so that the credit problem in commodity transaction is effectively solved, and the method is widely applied to various large e-commerce websites at present;

the 1 st and 3 rd points can be applied to a technical transaction service platform, have a certain guarantee effect, but cannot find the cooperation of a third party tool, cannot form a transaction closed loop, cannot solve a closed flow such as payment, delivery, receiving and checking and returning of commodity transaction websites, and cannot solve the problem of honesty and performance of sellers, so that the platform party is difficult to judge who is not who in the transaction process.

The general flow of the technical service transaction platform is as follows: issuing a task order, receiving a task order, paying by a buyer, working, checking and accepting, paying, completing, evaluating and the like. But judging whether the task list starts to store difficultly (if the buyer pays, the seller receives the list but does not start working); the acceptance is difficult, for example, the quality of service is problematic, or the buyer changes (adjusts) the work content of the task list, or the task cannot be completed on time due to some reason. Settlement at the initially determined price may not be reasonable and thus disputes may occur. However, the dispute platform cannot perform objective judgment on line, even if the 1 st and 3 rd guarantee transaction modes are used, the existing problems cannot be solved. The manual intervention is needed, the manual intervention cost is quite high, and the effect is general, so that the manual intervention is one of the reasons for hindering the development of the technical service transaction platform.

Disclosure of Invention

In order to solve at least one of the technical problems in the background art, the invention provides a settlement method, a device and a storage medium for mutual guarantee of two transaction parties, which can lead the right and obligation of the two transaction parties of the technical service type transaction to be equal, promote the two transaction parties to be friendly to communicate and solve various problems in the transaction process, and promote the healthy development of a technical service type transaction platform.

In a first aspect, an embodiment of the present invention provides a settlement method for mutual guarantee of two parties of a transaction, including:

generating a trade order;

receiving the payment paid by the buyer;

receiving a guarantee paid by a seller;

and acquiring the acceptance result of the transaction order, paying the payment to the seller if the transaction order passes the acceptance, and returning the guarantee fund to the seller.

In some embodiments of the invention, if the trade order fails to be accepted, an objection flow is entered.

In some embodiments of the invention, the objection flow comprises:

acquiring a suggested settlement price input by a buyer and a suggested settlement price input by a seller, and judging whether the suggested settlement price input by the buyer and the suggested settlement price input by the seller are consistent;

if the suggested settlement price input by the buyer is consistent with the suggested settlement price input by the seller, returning the difference between the goods payment and the suggested settlement price to the buyer, or receiving the difference between the goods payment complemented and the suggested settlement price by the buyer, paying the goods payment to the seller, and returning the guarantee fund to the seller;

and if the suggested settlement price input by the buyer is inconsistent with the suggested settlement price input by the seller, sending the suggested settlement price input by the seller to the buyer, and acquiring the suggested settlement price modified by the buyer and the suggested settlement price modified by the seller again until the suggested settlement price input by the buyer and the suggested settlement price input by the seller reach consistency.

In some embodiments of the invention, the deposit is dynamically adjusted based on the amount of the payment.

In some embodiments of the invention, the higher the credit score of the seller, the smaller the amount of the margin that the seller is required to pay.

In some embodiments of the invention, the margin is x (proportion + credit coefficient + skill coefficient + other dynamics coefficients).

In some embodiments of the invention, after the transaction order is completed, the evaluation content of the buyer and the seller with respect to each other is recorded.

In some embodiments of the invention, the evaluation content for the buyer includes at least transaction credit and the evaluation content for the seller includes at least skill level and transaction credit.

In some embodiments of the invention, the transaction order is closed if a request is received for the buyer to cancel the transaction order before a deposit is received for payment by the seller.

In a second aspect, an embodiment of the present invention further provides a computer apparatus, including a memory, a processor, and a computer program stored in the memory and capable of running on the processor, where the processor executes the computer program to implement the settlement method jointly guaranteed by two parties of a transaction according to the first aspect of the present invention.

In a third aspect, the embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, wherein the computer program, when executed by a processor, implements the settlement method for mutual guarantee of two parties of a transaction according to the first aspect of the present invention.

The settlement method, the device and the storage medium for mutual guarantee of both parties of a transaction in the embodiment of the invention have at least the following beneficial effects: the method realizes the guarantee transaction of the buyer and the seller by receiving the payment paid by the buyer and receiving the deposit paid by the seller, and balances the buyer and the seller by using the payment and the deposit, so that the right and obligation of the buyer and the seller in the technical service transaction tend to be equal, thereby promoting the buyer and the seller to communicate and solve various problems in the transaction process and promoting the healthy development of a technical service transaction platform. Meanwhile, the problem that the seller needs to work and simultaneously bargain and delay the work can be effectively solved, and the working efficiency of the seller is improved.

Drawings

FIG. 1 is a flow chart of the main steps of a settlement method for mutual assurance of two parties to a transaction according to an embodiment of the present invention;

FIG. 2 is a flowchart illustrating the detailed steps of a settlement method for mutual assurance of two parties to a transaction according to an embodiment of the present invention;

fig. 3 is a flow chart of the main steps of an objection flow in one embodiment of the present invention.

Detailed Description

The conception, the specific structure and the technical effects of the present invention will be clearly and completely described in conjunction with the embodiments and the accompanying drawings to fully understand the objects, the schemes and the effects of the present invention.

It should be noted that, unless otherwise specified, when a feature is referred to as being "fixed" or "connected" to another feature, it may be directly fixed or connected to the other feature or indirectly fixed or connected to the other feature. Furthermore, the descriptions of upper, lower, left, right, etc. used in the present disclosure are only relative to the mutual positional relationship of the constituent parts of the present disclosure in the drawings. As used in this disclosure, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. Furthermore, unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art. The terminology used in the description herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used herein, the term "and/or" includes any combination of one or more of the associated listed items.

It will be understood that, although the terms first, second, third, etc. may be used herein to describe various elements, these elements should not be limited by these terms. These terms are only used to distinguish one element of the same type from another. For example, a first element could be termed a second element, and, similarly, a second element could be termed a first element, without departing from the scope of the present disclosure. The use of any and all examples, or exemplary language ("e.g.," such as "or the like") provided herein, is intended merely to better illuminate embodiments of the invention and does not pose a limitation on the scope of the invention unless otherwise claimed.

Referring to fig. 1, one embodiment of the present invention provides a settlement method for mutual guarantee of both parties of a transaction, including but not limited to the following steps:

s100, generating a trade order;

s200, receiving the payment paid by the buyer;

s300, receiving a guarantee fee paid by a seller;

s400, obtaining the acceptance result of the transaction order, paying the payment to the seller if the transaction order passes the acceptance, and returning the guarantee fund to the seller.

Further, if the transaction order fails to be accepted, the objection process is entered.

The method comprises the steps that payment paid by a buyer is received, so that a transaction platform can be used as a guarantee transaction party, the payment is paid to the seller after a transaction order is checked and accepted, and the rights and interests of the seller are guaranteed; the guarantee fund paid by the seller is received, the service quality of the seller can be restrained, the default cost of the seller is improved, and the rights and interests of the buyer are guaranteed.

Unlike the conventional e-commerce platform in which the seller only needs to pay the deposit once, in this embodiment, the deposit needs to be paid according to each transaction order. The amount of the deposit is dynamically adjusted according to the amount of the money of each transaction order.

In the embodiment, the credit score and the skill level of the seller can be introduced to adjust the amount of the deposit, wherein the credit score can be accumulated from past transaction comments of the seller. The skill level can be a comprehensive evaluation of the technical level and the service quality of the seller by the buyer, and the comprehensive evaluation of the technical level of the person objectively formed through market transaction. The specific division standard of skill level can refer to the scheme of CN107808319A in the prior art.

As an example, table 1 is a corresponding relationship between the credit score and the credit coefficient, and table 2 is a corresponding relationship between the skill level and the skill coefficient:

TABLE 1

Serial number	Skill level value	Skill level	Coefficient of skill
				1	0 min to 5 min	First stage	-0.01
2	6 min to 10 min	First half	-0.015
				3	11 min to 20 min	Second stage	-0.02
4	21 min to 30 min	Second half	-0.025
				5	31 min to 50 min	Three-stage	-0.03
6	51 min to 80 min	Third and half	-0.035
				7	81 to 120 minutes	Four stages	-0.04
8	121 to 170 minutes	Four and a half	-0.045
				9	171 to 230 minutes	Five stages	-0.05
10	231 to 300 minutes	Five-stage half	-0.055
				11	301 to 400 minutes	Six stages	-0.06
12	401 min to 600 min	Six-stage half	-0.065
				13	601 to 800 minutes	Seven-stage	-0.07
14	801 to 1100 minutes	Seven and a half stages	-0.075
				15	1101 to 1400 minutes	Eight stages	-0.08
16	1401 min to 1800 min	Eight-stage and half	-0.085
				17	1801 to 2000 minutes	Nine-stage	-0.09

TABLE 2

The higher the credit score, the smaller the credit coefficient; the higher the skill level, the smaller the skill coefficient. It should be noted that, the correspondence between the credit score and the credit coefficient and the correspondence between the skill level and the skill coefficient are only exemplary, and may be freely adjusted according to actual application requirements.

In addition, scaling and other dynamic coefficients may be introduced. Wherein, the proportion can be 0.01 to 0.99, and is set according to actual needs, such as 0.5; and other dynamic coefficients can be used as one or more reserved variables, and when other coefficients which can influence the amount of the deposit are generated, the dynamic coefficients are supplemented in the form of the dynamic coefficients, so that the calculation mode of the deposit is more reasonable and more comprehensive.

According to the factors influencing the amount of the deposit, the deposit can be calculated according to the following formula: the deposit is good x (ratio + credit coefficient + skill coefficient + other dynamics coefficients).

It should be noted that, one or more of the proportion, the credit coefficient, the skill coefficient and the other dynamic coefficients may be selected as elements for calculating the deposit, and a subtraction operation may be performed between the proportion, the credit coefficient, the skill coefficient and the other dynamic coefficients, where the proportion, the credit coefficient, the skill coefficient and the other dynamic coefficients take positive values. The above-mentioned mode to guarantee gold dynamic adjustment can make the amount of money size of assurance gold laminate actual conditions more, sets up more rationally.

Referring to fig. 2, the settlement method for mutual guarantee of two parties of a transaction according to the present invention is explained in detail for the whole process:

firstly, after a buyer and a seller negotiate and confirm related technical service contents, a corresponding transaction order is generated by a transaction platform, wherein the order contents can comprise the technical service contents, the payment amount and the like;

then, the transaction platform receives and temporarily stores the payment paid by the buyer, and plays a role in guaranteeing the transaction;

then, the transaction platform waits for the seller to pay the deposit, the default cost of the seller is improved, the seller is prompted to complete the task by quality guarantee on time and the seller smoothly passes the acceptance of the buyer by adopting the mode for calculating the amount of the deposit;

then, after the transaction platform receives the deposit paid by the seller, the transaction order formally takes effect, so that the transaction order has a clear effective point, and the seller starts to perform corresponding technical service work. During the period of waiting for the seller to pay the guarantee deposit, as long as the seller does not pay the guarantee deposit, the transaction order can be cancelled, mainly preventing the seller from pressing the order and ensuring the rights and interests of the buyer. If the transaction order is cancelled by the buyer, the transaction platform returns the amount paid by the buyer and the transaction order is closed.

Then, after the seller completes the corresponding technical service work, the transaction platform can obtain the acceptance application of the seller, and if the buyer and the seller have the service quality problem and the service content adjustment (change) problem in the transaction order or the buyer and the seller cannot complete the technical service according to the quality on time due to any party, and the like, the agreement cannot be reached, the strange process can be entered.

If the transaction order fails to be accepted, reference can be made to the processing mode of the trade disputes of the common e-commerce platform in the prior art. In order to further secure the rights and interests of the buyer and the seller and facilitate the completion of the transaction, an objection flow is introduced in the embodiment, and specifically, referring to fig. 3, the objection flow specifically includes, but is not limited to, the following steps:

s410, acquiring the suggested settlement price input by the buyer and the suggested settlement price input by the seller, and judging whether the suggested settlement price input by the buyer and the suggested settlement price input by the seller are consistent;

s420, if the suggested settlement price input by the buyer is consistent with the suggested settlement price input by the seller, returning the difference between the goods payment and the suggested settlement price to the buyer, or receiving the difference between the goods payment complemented and the suggested settlement price by the buyer, paying the goods payment to the seller, and returning the guarantee fund to the seller;

and S430, if the suggested settlement price input by the buyer is inconsistent with the suggested settlement price input by the seller, sending the suggested settlement price input by the seller to the buyer, and acquiring the suggested settlement price modified by the buyer and the suggested settlement price modified by the seller again until the suggested settlement price input by the buyer and the suggested settlement price input by the seller reach consistency.

In the dissatisfaction process, the transaction platform can provide a bargaining settlement mechanism for trading, and the function of price bargaining is close to the function of on-site bargaining and price counteroffering, so that the efficiency of agreement between the buyer and the seller is improved; by acquiring the suggested settlement price input by the buyer and the suggested settlement price input by the seller, the real intentions of the buyer and the seller can be correctly reflected, and the bargaining process is simplified; if the suggested settlement price input by the buyer is consistent with the suggested settlement price input by the seller, the two parties are proved to have agreed opinions, when the actual settlement price of the goods is lower than the goods amount of the original transaction order, the transaction platform refunds the difference between the goods amount and the suggested settlement price to the buyer, when the actual settlement price of the goods is higher than the goods amount of the original transaction order, the transaction platform receives the difference between the goods amount which is replenished and paid by the buyer and the suggested settlement price, finally the transaction platform pays the goods amount to the seller, refunds the guarantee money to the seller, and completes the transaction order; if the two parties can not agree all the time (namely the final sum of the money input by the buyer and the seller acquired by the trading platform is inconsistent), the trading order can not be settled. But because both the buyer and the seller have prepayment or guarantee funds on the transaction platform, both the buyer and the seller have transaction cost, the buyer and the seller can be effectively prompted to reach a consistent opinion as soon as possible, and the settlement is completed; the buyer and the seller are prompted to equally and honestly exercise the right and fulfill the obligation.

Further, after the transaction order is completed, the buyer and the seller evaluate the transaction situation, wherein the seller evaluates the contents: transaction score of the buyer and cooperation attitude of the seller; evaluation content of the buyer: skill level of the seller, credit score of the seller, and cooperation attitude of the seller. The evaluation can be used as an accumulated evaluation, and used as a reference for evaluating the overall quality of the buyer and the seller, and the evaluation plays a role in referencing later buying and selling behaviors of the buyer and the seller.

In the settlement method for mutual guarantee of two transaction parties in the embodiment of the invention, the commodity money paid by a buyer and the guarantee fund paid by a seller are received to realize the guarantee transaction of the two transaction parties, and the commodity money and the guarantee fund are used for controlling the two transaction parties, so that the right and obligation tendency of the two transaction parties in the technical service transaction is equal, the two transaction parties are promoted to be friendly to communicate and solve various problems in the transaction process, and the healthy development of a technical service transaction platform is promoted. Meanwhile, the problem that the seller needs to work and simultaneously bargain and delay the work can be effectively solved, and the working efficiency of the seller is improved.

It should be added that, in the embodiment of the present invention, the settlement method jointly guaranteed by two parties of a transaction may be applied to any type of transaction platform, regardless of the type of the operating system, the type of the database, or the type of the programming language.

It should be recognized that the method steps in embodiments of the present invention may be embodied or carried out by computer hardware, a combination of hardware and software, or by computer instructions stored in a non-transitory computer readable memory. The method may use standard programming techniques. Each program may be implemented in a high level procedural or object oriented programming language to communicate with a computer system. However, the program(s) can be implemented in assembly or machine language, if desired. In any case, the language may be a compiled or interpreted language. Furthermore, the program can be run on a programmed application specific integrated circuit for this purpose.

Further, the operations of processes described herein can be performed in any suitable order unless otherwise indicated herein or otherwise clearly contradicted by context. The processes described herein (or variations and/or combinations thereof) may be performed under the control of one or more computer systems configured with executable instructions, and may be implemented as code (e.g., executable instructions, one or more computer programs, or one or more applications) collectively executed on one or more processors, by hardware, or combinations thereof. The computer program includes a plurality of instructions executable by one or more processors.

Further, the method may be implemented in any type of computing platform operatively connected to a suitable interface, including but not limited to a personal computer, mini computer, mainframe, workstation, networked or distributed computing environment, separate or integrated computer platform, or in communication with a charged particle tool or other imaging device, and the like. Aspects of the invention may be embodied in machine-readable code stored on a non-transitory storage medium or device, whether removable or integrated into a computing platform, such as a hard disk, optically read and/or write storage medium, RAM, ROM, or the like, such that it may be read by a programmable computer, which when read by the storage medium or device, is operative to configure and operate the computer to perform the procedures described herein. Further, the machine-readable code, or portions thereof, may be transmitted over a wired or wireless network. The invention described herein includes these and other different types of non-transitory computer-readable storage media when such media include instructions or programs that implement the steps described above in conjunction with a microprocessor or other data processor. The invention also includes the computer itself when programmed according to the methods and techniques described herein.

A computer program can be applied to input data to perform the functions described herein to transform the input data to generate output data that is stored to non-volatile memory. The output information may also be applied to one or more output devices, such as a display. In a preferred embodiment of the invention, the transformed data represents physical and tangible objects, including particular visual depictions of physical and tangible objects produced on a display.

The above description is only a preferred embodiment of the present invention, and the present invention is not limited to the above embodiment, and any modifications, equivalent substitutions, improvements, etc. within the spirit and principle of the present invention should be included in the protection scope of the present invention as long as the technical effects of the present invention are achieved by the same means. The invention is capable of other modifications and variations in its technical solution and/or its implementation, within the scope of protection of the invention.

Claims

1. A settlement method for mutual guarantee of two parties to a transaction, comprising:

generating a trade order;

receiving the payment paid by the buyer;

receiving a guarantee paid by a seller;

2. A settlement method for mutual assurance of both parties to a transaction according to claim 1, wherein: and if the transaction order fails to be accepted, entering an objection flow.

3. A settlement method for mutual assurance of transaction parties according to claim 2, wherein the objection process includes:

4. The method as claimed in claim 1, wherein the amount of the money is dynamically adjusted according to the amount of the money.

5. A settlement method for mutual guarantee of both parties of a transaction as claimed in claim 1, wherein the higher the credit score of the seller, the smaller the amount of deposit required to be paid by the seller.

6. A settlement method for mutual guarantee of both trading parties according to any one of claims 1 to 5, wherein said deposit is X (proportion + Credit coefficient + skill coefficient + other dynamic coefficient) or X (proportion-Credit coefficient-skill coefficient-other dynamic coefficient).

7. The settlement method for mutual assurance of two parties to a transaction as claimed in claim 1, wherein the contents of evaluation between the buyer and the seller are recorded after the transaction order is completed.

8. The settlement method of claim 7, wherein the evaluation contents for the buyer include at least transaction credit, and the evaluation contents for the seller include at least skill level and transaction credit.

9. The settlement method of claim 1, wherein the transaction order is closed when a request for canceling the transaction order is received from the buyer before a deposit paid by the seller is received.

10. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements a settlement method commonly held by both parties to a transaction according to any one of claims 1 to 9 when executing the program.

11. A computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, implements a settlement method jointly guaranteed by two parties to a transaction according to any one of claims 1 to 9.