CN111563756A

CN111563756A - Transaction method based on credit guarantee, transaction establishing method and related hardware

Info

Publication number: CN111563756A
Application number: CN202010505204.6A
Authority: CN
Inventors: 周泉
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-06-05
Filing date: 2020-06-05
Publication date: 2020-08-21

Abstract

The embodiment of the specification provides a transaction method based on credit guarantee, a transaction creating method and related hardware. The method comprises the following steps: the transaction application generates an electronic document for a target transaction to be performed, wherein the electronic document contains a constraint term that a first counterparty of the target transaction needs to fulfill for the target transaction. And the transaction application uploads the electronic bill of the target transaction to a credit evaluation mechanism for crediting, wherein the credit evaluation mechanism records the credit quantification value of the first transaction party. And after the target transaction is completed, the transaction application sends the first transaction party's fulfillment status for the electronic document to the credit evaluation institution. The credit evaluation mechanism performs credit evaluation on the first transaction party based on the electronic document left for evidence and the received fulfillment status of the electronic document by the first transaction party to update the credit worthiness value of the first transaction party.

Description

Transaction method based on credit guarantee, transaction establishing method and related hardware

Technical Field

The present invention relates to the field of data processing technologies, and in particular, to a transaction method based on credit guarantee, a transaction creation method, and related hardware.

Background

With the coming of the internet era, the terminal application is hundreds of flowers and the functions are more and more abundant. This includes applications that provide transaction functions. Currently, in applications providing transaction functions, only the e-commerce platform has the ability to provide transaction guarantees for users, and for some applications using transactions as non-core services or applications with smaller sizes, how to ensure the security of user transactions becomes a problem that is difficult to solve.

In view of the above, there is a need for a technical solution suitable for any application and capable of providing a guarantee for a user transaction.

Disclosure of Invention

Embodiments of the present disclosure are directed to a credit guarantee-based transaction method, a transaction creation method, and related hardware, which can be implemented on any application to provide a credit guarantee capability for a user transaction.

In order to achieve the above object, the embodiments of the present specification are implemented as follows:

in a first aspect, a credit guarantee based transaction method is provided, including:

the transaction application generates an electronic document of a target transaction to be executed, wherein the electronic document contains constraint terms which need to be fulfilled by a first transaction party of the target transaction for the target transaction;

the transaction application uploads the electronic bill of the target transaction to a credit evaluation mechanism for crediting, and the credit evaluation mechanism records a credit quantification value of the first transaction party;

after the target transaction is completed, the transaction application sends the first transaction party's fulfillment status for the electronic document to the credit evaluation institution;

the credit evaluation mechanism performs credit evaluation on the first transaction party based on the electronic document left for evidence and the received fulfillment status of the electronic document by the first transaction party to update the credit worthiness value of the first transaction party.

In a second aspect, a credit guarantee based transaction method is provided, including:

and after the target transaction is completed, the transaction application sends the fulfillment state of the first transaction party aiming at the electronic document to the credit evaluation mechanism, so that the credit evaluation mechanism determines a credit assistance value of the first transaction party based on the electronic document left for evidence and the received fulfillment state of the first transaction party aiming at the electronic document, and updates the credit quantification value of the first transaction party according to the credit assistance value.

In a third aspect, a credit guarantee based transaction method is provided, including:

the credit evaluation mechanism receives an electronic document of a target transaction sent by a transaction application, wherein the electronic document is generated by the transaction application and contains constraint terms which need to be fulfilled by a first transaction party of the target transaction for the target transaction, and the credit evaluation mechanism records a credit quantification value of the first transaction party;

the credit evaluation mechanism carries out the leave-in of the electronic document of the target transaction;

the credit evaluation organization receives the fulfillment status of the first transaction part for the electronic document sent by the transaction application after the target transaction is completed;

In a fourth aspect, a credit guarantee based transaction creation method is provided, including:

the transaction application receives a creation request of a target transaction;

the transaction application acquires a credit quantification value of a transaction party of the target transaction from a credit evaluation organization;

the transaction application determines whether the credit quantification value of the transaction party of the target transaction meets a preset credit requirement;

and the transaction application establishes the target transaction after determining that the credit quantitative value of the transaction party of the target transaction meets the preset credit requirement.

In a fifth aspect, an application server is provided, which includes:

the electronic document generation module is used for generating an electronic document of a target transaction to be executed, wherein the electronic document contains constraint terms which need to be fulfilled by a first transaction party of the target transaction aiming at the target transaction;

the electronic bill uploading module uploads the electronic bill of the target transaction to a credit evaluation mechanism for reservation, and the credit evaluation mechanism records a credit quantitative value of the first transaction party;

and the electronic document feedback module is used for sending the fulfillment state of the first trading party aiming at the electronic document to the credit evaluation mechanism, so that the credit evaluation mechanism carries out credit evaluation on the first trading party based on the electronic document left for credit and the received fulfillment state of the first trading party aiming at the electronic document, so as to update the credit quantification value of the first trading party.

In a sixth aspect, an electronic device is provided comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program being executed by the processor to:

generating an electronic document for a target transaction to be executed, wherein the electronic document contains a constraint term that a first transaction party of the target transaction needs to fulfill for the target transaction;

uploading the electronic bill of the target transaction to a credit evaluation institution for crediting, wherein the credit evaluation institution records a credit quantification value of the first transaction party;

sending the fulfillment status of the first counterparty for the electronic document to the credit evaluation institution, such that the credit evaluation institution performs a credit evaluation for the first counterparty based on the electronic document left on credit and the received fulfillment status of the first counterparty for the electronic document to update the credit worthiness value of the first counterparty.

In a seventh aspect, a computer-readable storage medium is provided, on which a computer program is stored, which when executed by a processor implements the steps of:

In an eighth aspect, there is provided a credit assessment institution comprising:

the electronic document receiving module is used for receiving an electronic document of a target transaction sent by a transaction application, wherein the electronic document is generated by the transaction application and contains constraint terms which need to be fulfilled by a first transaction party of the target transaction aiming at the target transaction, and a credit quantitative value of the first transaction party is recorded by the credit evaluation mechanism;

the electronic document reservation module is used for reserving the electronic document of the target transaction;

the fulfillment state receiving module is used for receiving the fulfillment state of the first transaction party for the electronic document sent by the transaction application after the target transaction is completed;

and the credit evaluation module is used for performing credit evaluation on the first trading party based on the electronic document left for evidence and the received fulfillment state of the electronic document by the first trading party so as to update the credit quantification value of the first trading party.

In a ninth aspect, there is provided an electronic device comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program being executed by the processor to:

receiving an electronic document of a target transaction sent by a transaction application, wherein the electronic document is generated by the transaction application and contains constraint terms which need to be fulfilled by a first transaction party of the target transaction for the target transaction, and a credit quantification value of the first transaction party is recorded by a credit evaluation mechanism;

reserving a certificate for the electronic document of the target transaction;

receiving the fulfillment state of the first transaction party for the electronic document sent by the transaction application after the target transaction is completed;

and performing credit evaluation on the first trading party based on the electronic document left for evidence and the received fulfillment state of the first trading party on the electronic document so as to update the credit quantification value of the first trading party.

In a tenth aspect, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:

reserving a certificate for the electronic document of the target transaction;

In an eleventh aspect, there is provided an application server comprising:

the receiving module is used for receiving a creation request of a target transaction;

the inquiry module acquires the credit quantitative value of the trading party of the target trade from a credit evaluation organization;

the verification module is used for determining whether the credit quantitative value of the trading party of the target trade meets a preset credit requirement or not;

and the execution module is used for creating the target transaction after determining that the credit quantitative value of the transaction party of the target transaction meets the preset credit requirement.

In a twelfth aspect, an electronic device is provided comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program being executed by the processor to:

receiving a creation request of a target transaction;

obtaining a credit quantification value of a transaction party of the target transaction from a credit evaluation institution;

determining whether a credit quantification value of a transaction party of the target transaction meets a preset credit requirement;

and after determining that the credit quantification value of the trading party of the target trade meets the preset credit requirement, creating the target trade.

In a thirteenth aspect, a computer-readable storage medium is provided, having stored thereon a computer program which, when executed by a processor, performs the steps of:

receiving a creation request of a target transaction;

Based on the solution of the embodiment of the present specification, the transaction application may provide the user with a transaction service using credit as a guarantee by virtue of the credit evaluation capability of the credit evaluation organization. A user who is a party to a transaction may commit to the transaction application the terms of constraints that the transaction needs to comply with and fulfill with credit as an assistance. The whole scheme ensures the transaction rights and interests of each transaction party, and can also make transactions more diversified along with the flexible introduction of constraint terms so as to meet the transaction requirements of different users, thereby greatly improving the user experience.

Drawings

In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the embodiments of the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative efforts.

Fig. 1 is a first flowchart of a transaction method based on credit guarantee provided in an embodiment of the present disclosure.

Fig. 2 is a second flowchart of a transaction method based on credit guarantee provided in an embodiment of the present disclosure.

Fig. 3 is a third flowchart of a transaction method based on credit guarantee provided in an embodiment of the present disclosure.

Fig. 4 is a fourth flowchart of a transaction method based on credit guarantee provided in an embodiment of the present disclosure.

Fig. 5 is a schematic structural diagram of an application server provided in an embodiment of the present specification.

Fig. 6 is a schematic structural diagram of a credit evaluation mechanism provided in an embodiment of the present specification.

Fig. 7 is a flowchart illustrating a transaction creation method based on credit guarantee according to an embodiment of the present disclosure.

Fig. 8 is a schematic structural diagram of an application server provided in an embodiment of this specification.

Fig. 9 is a schematic structural diagram of an electronic device provided in an embodiment of this specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.

At present, many applications installed on our terminal device are provided with transaction functions, but only the e-commerce platform has the ability to provide transaction guarantee for users, and for some applications (such as social software) taking transactions as non-core services or applications with smaller scale, how to ensure the security of user transactions becomes a problem which is difficult to solve.

To this end, this document aims to provide a technical solution for providing a guarantee for a user transaction that can be applied to any application.

Fig. 1 is a flow chart of a credit guarantee based transaction method according to an embodiment of the present disclosure. The method shown in fig. 1 may be performed by a corresponding apparatus below, comprising the steps of:

s102, the transaction application generates an electronic bill of the target transaction to be executed, and the electronic bill contains constraint terms which need to be fulfilled by the first transaction party of the target transaction for the target transaction.

In embodiments of the present specification, the constraint term may be set forth by the second transaction direction transaction application for the target transaction.

That is, before the transaction application generates an electronic document of a target transaction to be executed, the transaction application receives an electronic document creation request initiated by a second transaction party for the target transaction, where the electronic document creation request carries a constraint term proposed by the second transaction party.

The transaction application then forwards the terms of the constraint proposed by the second transaction party to the first transaction party, and if the first transaction party confirms acceptance of the terms of the constraint by the transaction application, the transaction application generates an electronic receipt for the target transaction.

It should be understood that in practical applications, the electronic document is not limited to the constraint condition of only one transaction party, and the details are not repeated herein for example.

And S104, the transaction application uploads the electronic bill of the target transaction to a credit evaluation mechanism for leave, and the credit evaluation mechanism records the credit quantification value of the first transaction party.

In the embodiments of the present specification, the credit evaluation institution may refer to an institution that has a credit evaluation capability and accumulates credit data of a certain user, and this is not particularly limited herein.

In particular, considering the problem of credit data sensitivity, in the embodiment of the present specification, a plurality of transaction application organizations may form a federation, and a common credit evaluation organization provides credit evaluation service for the federation. In the initial stage, the transaction application organizations in the alliance provide historical service data to the credit evaluation machine, the credit evaluation organization evaluates the credit of the users of the transaction application organizations, and the credit quantification value of the users is obtained initially. After the credit evaluation machine accumulates the user credit quantitative value with a certain data volume, the inquiry service of the credit quantitative value can be provided for the transaction application mechanism in the alliance. That is to say, the credit quantitative value provided by the credit evaluation institution is derived from the business data of the transaction application institution in the federation, and the problem of sensitive information leakage does not exist.

Alternatively, in this embodiment of the present specification, the user credit quantitative value recorded by the credit evaluation organization may also be determined based on the historical service data of the credit evaluation organization itself. Here, the credit evaluation organization sets a quantitative calculation relationship, and provides the user credit quantitative value recorded by the credit evaluation organization to the transaction application organization after the user credit quantitative value is relatively encrypted, so that the credit evaluation organization is prevented from exposing a credit evaluation system of the credit evaluation organization and internal sensitive information is leaked to the transaction application organization.

And S106, after the target transaction is completed, the transaction application sends the fulfillment state of the first transaction party for the electronic document to a credit evaluation organization.

It should be appreciated that after the target transaction is completed, the transaction application may determine whether the first party is fulfilling the terms of the constraint for the target transaction by querying the data of the target transaction against the electronic document.

And S108, the credit evaluation mechanism carries out credit evaluation on the first trading party based on the reserved electronic document and the received fulfillment state of the first trading party on the electronic document so as to update the credit quantification value of the first trading party.

In the embodiment of the present specification, the credit evaluation institution may preset credit evaluation algorithms corresponding to fulfillment and non-fulfillment for different types of constraints. In this step, after obtaining the fulfillment status of the first transaction party for the electronic document, the credit evaluation organization may match the corresponding evaluation algorithm to update the credit quantification value of the first transaction party. That is, the first transaction party is credited with credit at the credit evaluation institution, committing to the terms of the constraint that need to be fulfilled in the target transaction.

Based on the transaction method of the embodiment of the specification, the transaction application can provide the transaction service with credit as guarantee to the user by virtue of the credit evaluation capability of the credit evaluation mechanism. A user who is a party to a transaction may commit to the transaction application the terms of constraints that the transaction needs to comply with and fulfill with credit as an assistance. The whole scheme ensures the transaction rights and interests of each transaction party, and can also make transactions more diversified along with the flexible introduction of constraint terms so as to meet the transaction requirements of different users, thereby greatly improving the user experience.

The method of the embodiments of the present disclosure is described in detail below with reference to practical application scenarios.

The method of the embodiments of the present specification may provide a credit vouched transaction service for a user at a social APP. It is assumed that in the application scenario, the transaction includes a buyer and a seller (i.e., one of the buyer and the seller serves as a first transaction party and the other serves as a second transaction party). The process mainly comprises the following steps:

when a buyer desires to perform a transaction with a seller, the buyer proposes constraint terms which the seller needs to fulfill, and sends an electronic document creation request to the social APP, wherein the electronic document creation request carries the constraint terms proposed by the buyer.

The social APP forwards the terms of the constraint proposed by the buyer to the seller, for confirmation by the seller.

After determining that the seller receives the constraint terms, the social APP initiates a credit evaluation request to a credit evaluation organization, wherein the credit evaluation request carries the identification of the buyer and the seller.

And the credit evaluation mechanism searches the local credit database based on the identity marks of the buyer and the seller, acquires credit quantitative values of the buyer and the seller and feeds the credit quantitative values back to the social APP.

The social APP judges whether the buyer and the seller have guarantee conditions or not based on credit quantification values of the buyer and the seller.

If not (e.g., the seller's credit rating is below a normal level, no capability guarantee), the social APP refuses to create the electronic document, i.e., the buyer and seller do not provide restrictions on terms of the constraint if they continue the transaction.

And if the electronic document passes the social APP, the social APP creates the electronic document and sends the electronic document to a credit evaluation mechanism for crediting.

The buyer and seller then complete the transaction through the platform of the social APP.

Wherein if the seller fulfills the terms of the constraint proposed by the buyer, the steps shown in FIG. 3 are further performed:

and the seller completes the electronic document of the transaction and verifies the electronic document to the buyer.

And if the buyer informs the social APP that the electronic document passes the verification, the social APP sends the fulfillment state of the electronic document to the credit evaluation organization.

The credit evaluation mechanism accumulates credit worthiness values of the buyer and the seller according to the fulfillment status of the electronic document.

Alternatively, if the seller does not fulfill the terms of the constraint imposed by the buyer, the steps shown in FIG. 4 are further performed:

and the buyer initiates complaints of the default of the transaction to the social APP.

Social APP processes the buyer-initiated complaints. And if the verification is successful, the social APP sends default information of the electronic document of the transaction to a credit institution, and the credit institution punishs the credit quantitative value of the seller. At the same time, the social APP sends a breach notification to the seller.

After receiving the default notification, if the default behavior of the transaction is compensated, the seller can initiate compensation behavior verification to the buyer through the social APP.

And if the buyer accepts the compensation action of the seller, initiating the indication information that the compensation verification of the transaction passes to the social APP.

And after determining that the buyer accepts compensation, the social APP processes compensation behaviors of the seller. For example, the default compensation information of the electronic document is sent to a credit evaluation organization, and the credit evaluation organization restores the credit quantification value of the seller punished before.

The above is a description of the method of the embodiments of the present specification. It will be appreciated that appropriate modifications may be made without departing from the principles outlined herein, and such modifications are intended to be included within the scope of the embodiments herein.

Corresponding to the transaction method shown in fig. 1, an embodiment of the present specification further provides an application server. Fig. 5 is a schematic structural diagram of an application server 500 according to an embodiment of the present disclosure, including:

an electronic document generating module 510, configured to generate an electronic document of a target transaction to be executed, where the electronic document includes a constraint term that a first transaction party of the target transaction needs to fulfill for the target transaction;

an electronic document uploading module 520, which uploads the electronic document of the target transaction to a credit evaluation institution for crediting, wherein the credit evaluation institution records a credit quantification value of the first transaction party;

an electronic document feedback module 530 that sends the fulfillment status of the electronic document by the first party to the credit evaluation institution, such that the credit evaluation institution performs a credit evaluation on the first party based on the electronic document left for evidence and the received fulfillment status of the electronic document by the first party to update the credit worthiness value of the first party.

The application server of embodiments of the present specification may provide a transaction application to a user with credit for vouching by virtue of the credit rating capability of the credit rating institution. A user who is a party to a transaction may commit to the transaction application the terms of constraints that the transaction needs to comply with and fulfill with credit as an assistance. The whole scheme ensures the transaction rights and interests of each transaction party, and can also make transactions more diversified along with the flexible introduction of constraint terms so as to meet the transaction requirements of different users, thereby greatly improving the user experience.

Optionally, after the electronic document generation module 510 receives an electronic document creation request (the electronic document creation request carries the constraint terms) initiated by the second transaction party for the target transaction, a credit quantification value of the first transaction party and/or the second transaction party of the target transaction is obtained from a credit evaluation mechanism. Thereafter, the electronic document generation module 510 determines whether the credit value of the first transaction part and/or the second transaction part meets a preset credit requirement. If the credit quantification value of the transaction party of the target transaction meets the preset credit requirement, the electronic document generation module 510 generates the electronic document of the target transaction after determining that the first transaction party accepts the constraint terms.

Optionally, if the fulfillment status of the electronic document indicates that the first transaction party does not fulfill the electronic document, the electronic document feedback module 530 sends a credit compensation notification of the electronic document (carrying compensation information of the first transaction party for the electronic document default behavior) to the credit evaluation mechanism after determining that the first transaction party compensates for the electronic document default behavior, so that the credit evaluation mechanism performs credit evaluation on the first transaction party again based on the compensation information of the first transaction party for the electronic document default behavior, so as to update the credit quantification value of the first transaction party.

It is apparent that the application server of the embodiments of the present specification may implement the steps and functions performed by the transaction application in the transaction method shown in fig. 1. Since the principle is the same, the detailed description is omitted here.

In correspondence with the transaction method shown in fig. 1, the embodiment of the present specification further provides a credit evaluation mechanism. Fig. 6 is a schematic structural diagram of a credit evaluation mechanism 600 according to an embodiment of the present disclosure, including:

the electronic document receiving module 610 is used for receiving an electronic document of a target transaction sent by a transaction application, wherein the electronic document is generated by the transaction application and contains constraint terms which need to be fulfilled by a first transaction party of the target transaction for the target transaction, and a credit quantification value of the first transaction party is recorded by the credit evaluation institution;

the electronic document leave module 620 is used for leaving the electronic document of the target transaction;

a fulfillment status receiving module 630, receiving a fulfillment status of the electronic document by the first transaction party sent by the transaction application after the target transaction is completed;

and the credit evaluation module 640 is used for performing credit evaluation on the first trading party based on the electronic document left for evidence and the received fulfillment state of the electronic document by the first trading party so as to update the credit quantification value of the first trading party.

The credit evaluation institution of the embodiments of the present specification assists the transaction application in providing a transaction service with credit as a guarantee to the user based on its own credit evaluation capability. A user who is a party to a transaction may commit to the transaction application the terms of constraints that the transaction needs to comply with and fulfill with credit as an assistance. The whole scheme ensures the transaction rights and interests of each transaction party, and can also make transactions more diversified along with the flexible introduction of constraint terms so as to meet the transaction requirements of different users, thereby greatly improving the user experience.

Optionally, if the fulfillment status of the electronic document indicates that the first transaction party does not fulfill the electronic document, the transaction application may send a credit compensation notification of the electronic document (carrying compensation information of the first transaction party for the electronic document default behavior) to a credit evaluation mechanism of this embodiment after determining that the first transaction party compensates for the electronic document default behavior. Thereafter, the credit evaluation module 640 may re-evaluate the credit of the first transaction part based on the compensation information of the first transaction part for the electronic document default behavior, so as to update the credit quantification value of the first transaction part.

It should be apparent that the credit evaluation institution of embodiments of the present description may implement the steps and functions performed by the credit evaluation institution in the transaction method shown in fig. 1. Since the principle is the same, the detailed description is omitted here.

Fig. 7 is a flowchart of a transaction creation method based on credit guarantee according to an embodiment of the present specification. The method shown in fig. 7 may be performed by a corresponding apparatus below, comprising the steps of:

s702, the transaction application receives a creation request of a target transaction.

In this embodiment of the present specification, the creation request of the target transaction may be that one of the target transactions initiates to the transaction application.

S704, the transaction application obtains the credit quantification value of the transaction party of the target transaction from the credit evaluation organization.

S706, the transaction application determines whether the credit quantification value of the transaction party of the target transaction satisfies a preset credit requirement.

Specifically, in this step, the transaction application may determine whether the credit worthiness value of at least one transaction party of the target transaction meets the requirement threshold of the credit guarantee condition. If so, it is determined that the target transaction can be created, otherwise, the target transaction is denied.

And S708, the transaction application establishes the target transaction after determining that the credit quantitative value of the transaction party of the target transaction meets the preset credit requirement.

In the transaction creating method according to the embodiment of the present specification, the transaction application may evaluate, by using the credit evaluation capability of the credit evaluation organization, whether the transaction party initiating the transaction creating request has a credit guarantee condition, and provide the transaction service when the credit guarantee condition is satisfied, thereby ensuring the rights and interests of each transaction party.

It should be understood that in the embodiment of the present specification, after the transaction application creates the target transaction, the transaction method shown in fig. 1 may be executed, and the electronic document is generated according to the constraint terms required by the transaction party of the target transaction.

Assuming that the second party transaction application of the target transaction presents a constraint regulation for the first party transaction of the target transaction, the transaction application creates an electronic receipt containing the constraint terms that the first party transaction needs to fulfill for the target transaction before the target transaction is executed, and uploads the electronic receipt of the target transaction to the credit evaluation institution for crediting. Thereafter, the transaction application may send the fulfillment status of the first counterparty for the electronic document to the credit evaluation organization upon completion of the target transaction, such that the credit evaluation organization performs a credit evaluation for the first counterparty based on the credited electronic document and the received fulfillment status of the first counterparty for the electronic document to update the credit worthiness value of the first counterparty.

Corresponding to the transaction method shown in fig. 7, an application server is further provided in the embodiments of the present specification. Fig. 8 is a schematic structural diagram of an application server 800 according to an embodiment of the present disclosure, including:

the receiving module 810 receives a creation request of a target transaction.

The query module 820 obtains the credit quantification value of the transaction party of the target transaction from the credit assessment institution.

The checking module 830 determines whether the credit quantitative value of the transaction party of the target transaction meets a preset credit requirement.

And the execution module 840 creates the target transaction after determining that the credit quantitative value of the transaction party of the target transaction meets the preset credit requirement.

The transaction application of the embodiment of the present specification can evaluate whether the transaction party initiating the transaction creation request has a credit guarantee condition by means of the credit evaluation capability of the credit evaluation organization, and provide transaction services when the credit guarantee condition is satisfied, thereby ensuring the rights and interests of each transaction party.

Optionally, on the basis of the above, the application server 800 further includes an electronic document generating module 510, an electronic document uploading module 520, and an electronic document feedback module 530 shown in fig. 5.

Wherein:

the electronic document generation module 510 may generate an electronic document for a target transaction to be performed, wherein the electronic document contains terms of a constraint that a first counterparty of the target transaction needs to fulfill for the target transaction;

the electronic document uploading module 520 may upload the electronic document of the target transaction to a credit evaluation institution for crediting, the credit evaluation institution recording a credit quantification value of the first transaction party;

the electronic document feedback module 530 may send the fulfillment status of the electronic document by the first party to the credit evaluation institution such that the credit evaluation institution performs a credit evaluation of the first party based on the electronic document left on credit and the received fulfillment status of the electronic document by the first party to update the credit worthiness value of the first party.

Obviously, the application server 800 shown in fig. 8 in the embodiment of the present specification can be used as the execution subject of the transaction creation method shown in fig. 7 described above, and thus can implement the functions of the method implemented in fig. 7. Since the principle is the same, the detailed description is omitted here.

Fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present specification. Referring to fig. 9, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (peripheral component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 9, but this does not indicate only one bus or one type of bus.

And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.

The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs, forming the application server shown in fig. 5 on a logical level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

generating an electronic document for a target transaction to be performed, wherein the electronic document contains terms of a constraint that a first counterparty of the target transaction needs to fulfill for the target transaction.

And uploading the electronic bill of the target transaction to a credit evaluation mechanism for reservation, wherein the credit evaluation mechanism records the credit quantification value of the first transaction party.

Alternatively, the processor reads the corresponding computer program from the non-volatile memory into the memory and then runs the computer program, forming the credit evaluation mechanism shown in fig. 6 on a logical level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

and reserving the electronic bill of the target transaction.

And receiving the fulfillment state of the first transaction party for the electronic document sent by the transaction application after the target transaction is completed.

Still alternatively, the processor reads the corresponding computer program from the non-volatile memory into the memory and then runs the computer program, so as to form the application server shown in fig. 8 on the logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

a request to create a target transaction is received.

And obtaining the credit quantification value of the trading party of the target trade from a credit assessment organization.

Determining whether a credit worthiness value of a counterparty of the target transaction satisfies a preset credit requirement.

The transaction method disclosed in the embodiment of fig. 1 or the transaction creation method shown in fig. 7 may be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.

Of course, besides the software implementation, the electronic device in this specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.

Furthermore, the present specification embodiments also propose a computer-readable storage medium storing one or more programs, the one or more programs including instructions.

When executed by a portable electronic device comprising a plurality of application programs, the instructions enable the portable electronic device to perform the steps of the method corresponding to the embodiment shown in fig. 1, on the transaction application side, including:

Alternatively, the above instructions, when executed by a portable electronic device comprising a plurality of applications, can cause the portable electronic device to perform the steps of the method of the embodiment shown in fig. 1 corresponding to the credit evaluation agency side, including:

receiving an electronic document of a target transaction sent by a transaction application, wherein the electronic document is generated by the transaction application and contains constraint terms which need to be fulfilled by a first transaction party of the target transaction for the target transaction, and the credit evaluation mechanism records a credit quantification value of the first transaction party.

And reserving the electronic bill of the target transaction.

Still alternatively, the above instructions, when executed by a portable electronic device comprising a plurality of applications, can cause the portable electronic device to perform the steps of the method of the embodiment shown in fig. 7, including:

a request to create a target transaction is received.

It will be appreciated that the above instructions, when executed by a portable electronic device comprising a plurality of application programs, may enable the application server described above to carry out functions corresponding to the embodiment shown in fig. 1 or 7, and may also enable the credit assessment institution described above to carry out functions corresponding to the embodiment shown in fig. 1. This is not described in detail herein.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, the description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification. Moreover, all other embodiments obtained by a person skilled in the art without making any inventive step shall fall within the scope of protection of this document.

Claims

1. A credit guarantee based transaction method, comprising:

2. The method of claim 1, wherein the first and second light sources are selected from the group consisting of,

the constraint term is proposed by a second transaction party of the target transaction to the transaction application, before the transaction application generates an electronic document of the target transaction to be executed, the method further comprises:

the transaction application receives an electronic document creation request initiated by the second transaction party for the target transaction, wherein the electronic document creation request carries the constraint clause;

the transaction application acquires credit quantification values of the first transaction part and/or the second transaction part of the target transaction from a credit evaluation mechanism;

the transaction application determining whether the credit worthiness of the first transaction part and/or the second transaction part meets a preset credit requirement;

and if the credit quantitative value of the transaction party of the target transaction meets the preset credit requirement, the transaction application generates an electronic bill of the target transaction after determining that the first transaction party accepts the constraint terms.

3. The method of claim 1, wherein the first and second light sources are selected from the group consisting of,

if the fulfillment state of the electronic document indicates that the first transaction party does not fulfill the electronic document, the transaction application sends a credit compensation notice of the electronic document to the credit evaluation mechanism after determining that the first transaction party compensates for the electronic document default behavior, wherein the credit compensation notice carries compensation information of the first transaction party for the electronic document default behavior;

and the credit evaluation mechanism carries out credit evaluation on the first transaction party again based on the compensation information of the first transaction party for the electronic document default behavior so as to update the credit quantitative value of the first transaction party.

4. The method of any one of claims 1-3,

the transaction application is a service application provided for the social user in the social software client.

5. A credit guarantee based transaction method, comprising:

6. A credit guarantee based transaction method, comprising:

7. A credit guarantee based transaction creation method, comprising:

8. The method of claim 7, further comprising:

the transaction application creates an electronic document of the target transaction before the target transaction is executed, wherein the electronic document contains a constraint term which needs to be fulfilled by a first transaction party of the target transaction for the target transaction;

the transaction application uploads the electronic document of the target transaction to the credit evaluation institution for crediting;

and after the target transaction is completed, the transaction application sends the fulfillment state of the first transaction party for the electronic document to the credit evaluation mechanism, so that the credit evaluation mechanism performs credit evaluation on the first transaction party based on the electronic document left for evidence and the received fulfillment state of the first transaction party for the electronic document, so as to update the credit quantification value of the first transaction party.

9. An application server, comprising:

10. An electronic device includes: a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program being executed by the processor to:

11. A computer-readable storage medium having a computer program stored thereon, which when executed by a processor, performs the steps of:

12. A credit evaluation organization, comprising:

13. An electronic device includes: a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program being executed by the processor to:

reserving a certificate for the electronic document of the target transaction;

14. A computer-readable storage medium having a computer program stored thereon, which when executed by a processor, performs the steps of:

reserving a certificate for the electronic document of the target transaction;

15. An application server, comprising:

16. An electronic device includes: a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program being executed by the processor to:

receiving a creation request of a target transaction;

17. A computer-readable storage medium having a computer program stored thereon, which when executed by a processor, performs the steps of:

receiving a creation request of a target transaction;