CN113298607A

CN113298607A - Order information processing method and device and electronic equipment

Info

Publication number: CN113298607A
Application number: CN202011602329.7A
Authority: CN
Inventors: 李帆; 彭自然; 严焕; 杨炳滨; 罗威
Original assignee: Alibaba Group Holding Ltd
Current assignee: Alibaba Singapore Holdings Pte Ltd
Priority date: 2020-12-29
Filing date: 2020-12-29
Publication date: 2021-08-24

Abstract

The embodiment of the application discloses an order information processing method, an order information processing device and electronic equipment, wherein the method comprises the following steps: receiving a notification message regarding the first account generating in-transit funds data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; determining an identification of a trade order associated with the in-transit funds data; modifying the trade order to a state of payment so that the trade order is performed based on the state of payment. By the embodiment of the application, the method and the device are beneficial to shortening the fulfillment processing time of the trading order.

Description

Order information processing method and device and electronic equipment

Technical Field

The present application relates to the field of order information processing technologies, and in particular, to an order information processing method and apparatus, and an electronic device.

Background

In the commodity object information service system, there are several modes such as B2C (merchant to consumer), C2C (consumer to consumer), B2B (merchant to merchant), and the like. In the mode of B2C or C2C, after the buyer user completes the order on line, the buyer user can pay on line directly. In the transaction scenario of B2B, the amount of the order involved is often large, so after the buyer and seller complete placing the order online, the buyer and seller usually need to pay by sending the order offline. In particular, the seller user may typically provide a collection account to the buyer user, who then proceeds to bank to send money to the collection account. However, in the remittance process, there are problems that information is not transparent and the time for payment is long due to the processing time between banks. Particularly in cross-border commerce, often cross-border remittance times are 3-7 days or even longer.

The presence of the above situation causes the following problems: seller users often process subsequent fulfillment processes such as shipping and the like after the payment of the order is received, so that the time of receiving the payment directly affects the shipping time, and further, buyer users may need to receive the goods for a long time, and the user experience is poor. In addition, because the number of orders is large, after the money transferred offline is paid out, the seller user usually cannot quickly know which order corresponds to the money transferred offline and which buyer transfers the money, which also causes a delivery delay, and the buyer user cannot receive the goods in time.

Disclosure of Invention

The application provides an order information processing method, an order information processing device and electronic equipment, which are beneficial to shortening of fulfillment processing time of a transaction order.

The application provides the following scheme:

an order information processing method comprises the following steps:

receiving a notification message regarding the first account generating in-transit funds data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system;

determining an identification of a trade order associated with the in-transit funds data;

modifying the trade order to a state of payment so that the trade order is performed based on the state of payment.

A method of fund information processing, comprising:

providing a fund information display page for a first user;

displaying information of in-transit fund data generated by the associated first account in the fund information display page, and providing operation options for associating transaction order information with the in-transit fund data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

and receiving input transaction order information through the operation options and submitting the transaction order information to the server.

A method of fund information processing, comprising:

providing a fund information display page to a second user;

in the fund information display page, displaying information of in-transit fund data transferred from the associated second account to the first account, and providing operation options for associating transaction order information with the in-transit fund data;

A transaction order information display method comprises the following steps:

receiving a viewing request of a first user for a target trading order; the first user is a payee user associated with the target transaction order;

acquiring information of the target trading order, wherein the information of the target trading order comprises: information of in-transit fund data associated with the target trade order; the information of the in-transit fund data comprises information of a first account and information of a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

and displaying the information of the in-transit fund data in a detail information page of the target transaction order, and displaying the target transaction order as a payment state.

A transaction order information display method comprises the following steps:

receiving a viewing request of a second user for a target trading order; the second user is a payer user associated with the target transaction order;

An order information processing apparatus comprising:

a notification message receiving unit for receiving a notification message regarding the generation of in-transit fund data by the first account; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system;

a trade order information determination unit for determining an identity of a trade order associated with the in-transit fund data;

and the transaction order state modifying unit is used for modifying the transaction order into a payment state so as to perform fulfillment processing on the transaction order based on the payment state.

A fund information processing apparatus comprising:

the first page display unit is used for providing a fund information display page for a first user;

the fund information display page is used for displaying the information of the in-transit fund data generated by the associated first account and providing operation options for associating the in-transit fund data with transaction order information; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

and the first transaction order information submitting unit is used for receiving the input transaction order information through the operation options and then submitting the transaction order information to the server.

A fund information processing apparatus comprising:

the second page display unit is used for providing a fund information display page for a second user;

the second correlation option providing unit is used for displaying the information of the in-transit fund data transferred from the correlated second account to the first account in the fund information display page and providing operation options for correlating the in-transit fund data with the transaction order information;

and the second transaction order information submitting unit is used for receiving the input transaction order information through the operation options and then submitting the transaction order information to the server.

A transaction order information display apparatus comprising:

the first order viewing request receiving unit is used for receiving a viewing request of a first user for a target trading order; the first user is a payee user associated with the target transaction order;

a first order information obtaining unit, configured to obtain information of the target trade order, where the information of the target trade order includes: information of in-transit fund data associated with the target trade order; the information of the in-transit fund data comprises information of a first account and information of a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

and the first display unit is used for displaying the information of the in-transit fund data in a detail information page of the target transaction order and displaying the target transaction order as a payment state.

A transaction order information display apparatus comprising:

the second order viewing request receiving unit is used for receiving a viewing request of a second user for the target trading order; the second user is a payer user associated with the target transaction order;

a second order information obtaining unit, configured to obtain information of the target trade order, where the information of the target trade order includes: information of in-transit fund data associated with the target trade order; the information of the in-transit fund data comprises information of a first account and information of a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

and the second display unit is used for displaying the information of the in-transit fund data in a detail information page of the target transaction order and displaying the target transaction order as a payment state.

According to the specific embodiments provided herein, the present application discloses the following technical effects:

according to the method and the device for processing the in-transit fund data, the event that the in-transit fund data is generated in the first account can be sensed, the information of the transaction order related to the specific in-transit fund data can be determined, and the transaction order can be further modified into the in-payment state, so that the seller user can perform fulfillment processing on the transaction order based on the in-payment state. That is, embodiments of the present application may provide an in-payment status for a particular trade order, and may enable the particular trade order to drive the in-payment status based on the generation of in-transit funds data and the association with the trade order. In this way, the seller user can perform the fulfillment process on the transaction order in advance without waiting for the specific fund data to actually complete the posting in the first account, and therefore, the fulfillment process time can be shortened.

Of course, it is not necessary for any product to achieve all of the above-described advantages at the same time for the practice of the present application.

Drawings

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

FIG. 1 is a schematic diagram of a system architecture provided by an embodiment of the present application;

FIG. 2 is a flow chart of a first method provided by an embodiment of the present application;

FIG. 3 is a schematic view of a first interface provided by an embodiment of the present application;

FIG. 4 is a schematic view of a second interface provided by an embodiment of the present application;

FIG. 5 is a flow chart of a second method provided by embodiments of the present application;

FIG. 6 is a flow chart of a third method provided by embodiments of the present application;

FIG. 7 is a flow chart of a fourth method provided by embodiments of the present application;

FIG. 8 is a flow chart of a fifth method provided by embodiments of the present application;

FIG. 9 is a schematic diagram of a first apparatus provided by an embodiment of the present application;

FIG. 10 is a schematic diagram of a second apparatus provided by an embodiment of the present application;

FIG. 11 is a schematic diagram of a third apparatus provided by an embodiment of the present application;

FIG. 12 is a schematic diagram of a fourth apparatus provided by an embodiment of the present application;

FIG. 13 is a schematic diagram of a fifth apparatus provided by an embodiment of the present application;

fig. 14 is a schematic diagram of an electronic device provided in an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments that can be derived from the embodiments given herein by a person of ordinary skill in the art are intended to be within the scope of the present disclosure.

It should be noted that, in the prior art, after a trade order is generated, the commodity object information system usually only provides two states of payment waiting and payment completion for the trade order. In a cross-border transaction, or in a B2B scenario where the amount of the related order is relatively large, because the buyer user may pay the order in an offline remittance manner, the buyer user initiates remittance and completes the account entry to the seller user, the transfer across countries and financial institutions may be required during the period, and therefore, the required time may be relatively long; in addition, because the transaction order is generated online and the payment operation is completed online, a relatively long time is often required to complete the posting from the seller user's account to the association to the particular transaction order and to drive the order to a payment complete status. Before the transaction order is driven to the payment completion state, the seller user is difficult to confirm whether the buyer user has paid, whether the specific payment can be successfully completed for posting, and particularly, foreign exchange transfer is involved in a cross-border scenario.

In the embodiment of the present application, in order to shorten the fulfillment time of the trade order, a specific commodity object information system may cooperate with an in-transit fund network system, which may be provided by an international organization, may collect data generated by a plurality of banks participating in the network worldwide, and may notify the commodity object information system if it is found that a certain first account generates in-transit fund data. The merchandise object information system may then also determine an identification of the trade order associated with the in-transit funds data and may drive the trade order into an in-payment state. In this way, the seller user may perform fulfillment processing, including shipping, on the transaction order based on the status.

That is, in embodiments of the subject application, the merchandise object information system may provide a "pay in progress" status for a particular trade order, and the trade order may be driven to a pay in progress status based on a notification message received from an in-transit funds network system or the like for the in-transit funds data, and the determined trade order information associated with the in-transit funds data. In this way, since the specific in-transit fund data is provided by the in-transit fund network system with relatively high credibility and the related data has relatively high credibility, the seller user can enter the stage of performing the order in advance after finding that the specific order enters the in-payment state although the specific money is not yet put into account. Therefore, through the mode, the merchant user can obtain the specific in-transit fund track in time, and under an ideal condition, at the moment when the buyer user remits the remittance, the seller user can know that the corresponding order is in a payment state, and then the fulfillment processing such as delivery can be processed. If the in-transit fund data is known in advance for 3 days, the time of 3 days and the like in the trade of both parties is shortened, and therefore, the experience of both parties in the transaction is favorably improved.

Specifically from the perspective of system architecture, referring to fig. 1, in the embodiment of the present application, a corresponding service function related to order processing may be provided for a user mainly through a commodity object information system (specifically, a commodity object information system providing a cross-border B2B service may be provided, and of course, other commodity object information systems may also be provided). The commodity object information system may be divided into a server and a client, and from the perspective of user identity, the client may be divided into a client corresponding to a seller user (which may be referred to as a first user in the embodiment of the present application) and a client corresponding to a buyer user (which may be referred to as a second user in the embodiment of the present application). The service end mainly interacts with the in-transit fund network system and provides account information needing to be monitored to the in-transit fund network system. The in-transit funds network system collects funds movement data generated by a plurality of financial institutions around the world, and when the first account in the set (which may be an account corresponding to a first user for collecting funds) generates in-transit funds data, the in-transit funds network system may notify the service end. In addition, the server may also obtain a trade order associated with the in-transit funds data for driving the trade order into the in-payment state. Wherein, when obtaining the specific associated transaction order information, if the second user provides the associated transaction order information in the appendix of the money transfer document during money transfer, the information can be extracted from the notification message provided by the in-transit fund network system. Alternatively, the first user may be provided with information about the in-transit fund data through the client, where the information may include payer user information (i.e., a second user who is a buyer user) and the like, and the first user does not provide an operation option for associating with the order information, so that the first user obtains the order information through communication with the second user and the like, and provides the order information to the server through the operation option. And the server can acquire the information of the transaction order associated with the in-transit fund data through the first user client. Alternatively, information from a trade order associated with the funds data may also be submitted by the second user via the client, and so on.

The following describes in detail specific implementations provided in embodiments of the present application.

Example one

First, the first embodiment provides an order information processing method from the perspective of a server of a commodity object information system, including:

s201: receiving a notification message regarding the first account generating in-transit funds data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system;

in the embodiment of the present application, the specific in-transit fund data is the fund data which is transferred from the second account associated with the payer and transferred to the account with the first account associated with the payee as a target, but has not finished being credited to the first account. Such in-transit fund data may be particularly useful for paying for a trade order generated in a merchandise object information system. For example, after a certain buyer user completes a transaction with a seller user on line and generates a transaction order on line, payment is made for the transaction order in an offline remittance mode according to first account information provided by the seller user; however, due to the situations of cross border, cross bank and the like, the specific remitted fund data cannot be posted in the first account quickly, and the posting needs to be completed after several days. Therefore, the money data is classified as in-transit money data between the time when the buyer user completes remittance of the money data on line and the time when the first account of the seller user actually receives the money data.

The first account may be an account that is previously requested by the merchandise target information system from the associated financial institution and allocated to the seller user in the system. That is, the first account may be a plurality of accounts, and may specifically exist in the form of sub-accounts under a certain main account, and the ownership of the first account belongs to the merchandise object information system, but the usage right may belong to the seller user in the system. Typically, one or more first accounts may be assigned to a seller user, and the correspondence between the identity of the first account and the identity of the seller user may be maintained by the merchandise object information system. After the buyer user and the seller user generate a transaction order in an online transaction manner, if the situation that the amount of the order is large or cross-border payment is involved, the seller user can provide the first account allocated to the seller user by the system, and the buyer user can pay for the transaction order in a manner of remitting money through lines and the like.

That is, the first account for the seller user to collect money is actually a commodity object information system which applies for the financial institution in a unified way, and the ownership belongs to the commodity object information system and only gives the use right to the seller user; thus, the merchandise object information system may be aware of which primary accounts respective seller users may be particularly charged against. Further, the commodity object information system may provide the set of accounts associated with the seller user information to the in-transit funds network system in cooperation with the in-transit funds network system. After the in-transit fund network system collects specific in-transit fund data, if a specific target transfer-in account is found to belong to the account set, the in-transit fund network system can collect the data and initiate a notification message to the commodity object information system. The in-transit fund network may notify the collected information about the in-transit fund data to the commodity object information system in real time, or may notify the commodity object information system of the information about the in-transit fund data collected in the time interval at regular intervals through a timing notification mechanism, or the like.

Wherein the in-transit funds network system may be provided by an internationalized organization, as described above. For example, the international organization may specifically include SWIFT (global banking financial telecommunications association or international banking telecommunications association), which is a non-profit international cooperation organization between international financial institutions (such as banks), and provides fast, accurate and excellent services for international financial services. The organization initiated GPI (Global Payment Innovate) project can be an in-transit fund network. The GPI project is participated in by a global large bank, and the project with transparent fund charge, traceable remittance state and complete remittance information transmission is realized by establishing a SWIFT-GPI service circle between banks and following the commonly designed rules, thereby greatly improving the international payment experience of customers. For the bank joining the GPI project, when an event such as a customer initiating a money transfer from the bank occurs, the bank system can upload specific information to the in-transit fund network, and accordingly, the in-transit fund network can collect the information uploaded by the bank joining the GPI project.

In the embodiment of the application, the account set information which needs to be monitored specifically can be provided to the in-transit fund network system in cooperation with the in-transit fund network system such as the GPI project, so that after in-transit fund data related to the accounts in the account set is generated, the in-transit fund system can inform the commodity object information system of the related information.

Of course, in specific implementations, the merchandise target information system may also obtain the notification message about the in-transit fund data generated by the first account in other manners, for example, the merchandise target information system may also directly cooperate with a specific financial institution system, and so on, and will not be described in detail herein.

S202: determining an identification of a trade order associated with the in-transit funds data;

after the merchandise object information system receives the notification message that the in-transit funds data was generated for the first account, an identification of the trade order with which the in-transit funds data is associated may also be determined since the in-transit funds data is used to pay for the trade order that has been generated in the system.

There may be a variety of ways to obtain the identity of the trade order associated with the in-transit funds data. For example, in one approach, the identifier information of the specifically associated transaction order may be filled in the header of the money transfer slip by the payer user, i.e., the second user, at the time the money transfer is initiated. In this way, the merchandise object information system may extract the postscript information associated with the specific in-transit fund data from the received notification message, and obtain the identification of the trade order according to the postscript information.

It should be noted that there are various ways to specify the information that the second user fills in the postscript. For example, in one mode, the specific introduction information may include: all or part of characters of the ID of the trade order may be used, and at this time, the identifier of the trade order may be determined according to all or part of characters of the ID of the trade order included in the additional information. That is, the number information such as the ID of the transaction order may be directly filled, or only a part of the characters in the ID, for example, the last 6 digits, may be filled because the number information such as the ID of the transaction order is generally long. Since the probability that the characters on the above-mentioned part of digits are all the same between different trade orders is not high in the case where the information of the first user, the second user, and the like is known, the trade order information can be filled in the introduction in such a simplified manner. After extracting the specific epitopic content from the notification message, the commodity object information system can determine the specific corresponding trade order by comparing the characters in the epitopic with the characters of the serial numbers, such as the ID of the specific trade order, on the corresponding digit.

Or, in another mode, the additional information may include: identification information of a first user and/or a second user associated with the trade order; at this time, an incomplete transaction order associated with the first user and/or the second user may be determined according to the identification information of the first user and/or the second user included in the additional information, and an identification of the incomplete transaction order may be obtained. At this time, if there are a plurality of unfinished trade orders associated with the first user and/or the second user, the confirmation may be further performed according to the amount information associated with the trade orders, or by the first user or the second user, and so on.

In such an implementation where the second user provides relevant information in the statement of money transfer slip, prior to the first account generating in-transit funds data, if a second user's transaction order query request associated with the second account is received, information regarding the payment method and the first account may also be provided in the transaction order details information page. For example, the second user may be prompted to make payment by sending a money transfer over a line, while first account information for a particular recipient user may be provided, and so on. In addition, prompt information may be provided in the transaction order detail information page for prompting the second user to provide the additional information in a specified manner. For example, the user is prompted to fill in the epilogue with the ID of the trade order, and so on. In this way, it is possible to avoid a situation where the second user does not provide the relevant information in the additional sentence due to unknowing or forgetting or the like.

Of course, in a specific implementation, even if the second user is prompted, there may be a case where the second user does not fill the related information in the postscript. This may be the case, and there may be objective reasons in addition to the subjective reasons of the second user, such as being unknowingly or forgotten. For example, a second user may have made multiple transactions with a first user, corresponding to multiple transaction orders, and at this time, the second user may have paid for the multiple transaction orders at one time by sending money offline. At this point, the second user may have difficulty in commenting on information for multiple trade orders in the postscript, and so on.

In this case, to effect the association of in-transit funds data with the trade order, a manual order association process may also be performed by the first user for the specific in-transit funds data. At this time, the identification of the first user associated with the first account may be determined first, and then information that the first account generates in-transit fund data is provided to a client associated with the first user, and an operation option for associating transaction order information with the in-transit fund data is provided. In this way, the identity of the trade order associated with the in-transit funds data may be determined from the information of the trade order received via the operating option. In a specific implementation, for example, as shown in fig. 3, a fund information interface may be provided in the client of the first user, and after the first account associated with the first user generates in-transit fund data, the in-transit fund data information may be displayed through the fund information interface, and an operation option specifically for order association may be provided in the interface, through which the first user may submit specific transaction order information.

It should be noted that, because the amount of money and the buyer user corresponding to different transaction orders are often different, after the first user finds that the first account generates an in-transit fund data through the fund information interface, the first user may determine the transaction order corresponding to the in-transit fund data according to the amount of money and the buyer user information (which are carried in the notification message provided by the in-transit fund network) of the in-transit fund data, and then input the information such as the ID of the transaction order, thereby implementing the association process. Or, during specific implementation, the first user may also determine a transaction order corresponding to the specific in-transit fund data in a manner of communicating with the second user through an offline manner, and the like, and then associate the in-transit fund data with the transaction order through a fund information interface of the client, and the like.

In addition, the association of the trade order may be performed by the second user in addition to the first user. In particular implementations, the information for the second account associated with the in-transit fund data may also be obtained from a notification message provided by a particular in-transit fund network. An identification of the associated second user may then be determined from the information of the second account and the information of the in-transit funds data may be provided to a client associated with the second user and operational options for associating transaction order information with the in-transit funds data. Thereafter, an identification of the trade order associated with the in-transit funds data may be determined based on the information of the trade order received via the operational options.

S203: modifying the trade order to a state of payment so that the trade order is performed based on the state of payment.

After receiving notification of the generation of in-transit funds data with respect to the first account and determining the transaction order associated with the in-transit funds data, the transaction order may be driven to an in-payment state such that the seller user may perform fulfillment processing of the transaction order based on the in-payment state. That is to say, the transaction order can be subject to fulfillment processing without waiting for specific funds to enter accounts in the first account, so that the fulfillment waiting time is shortened, and the user experience is improved.

In an alternative embodiment, in order to avoid fraud and the like, so that the first user is lost, after the first account generates specific in-transit fund data, risk assessment can be carried out on the in-transit fund data; and in the case of passing the evaluation, modifying the transaction order into a state of payment.

Wherein, in particular implementations, the in-transit fund data may be risk assessed according to one or more of: the amount of the in-transit fund data, historical collection record information associated with the first account, historical payment record information associated with the second account, historical transaction record information between a first user associated with the first account and a second user associated with the second account, and country, region and financial institution information associated with the second account.

For example, if the amount of funds data in transit is moderate (which may be determined from the average amount of historical trading orders, etc., e.g., on the order of 100 ten thousand), then the risk is low, otherwise, if the amount of funds data in transit is too high, the risk may be relatively high. Or if the first account successfully collects the money for a plurality of times or the second account successfully pays for a plurality of times, the risk is relatively low; alternatively, if the first user and the second user have had a history of successful transactions, the risk may be low. Additionally, the country, region, financial institution, etc. in which the second user performed the money transfer operation may also be used for risk assessment of the in-transit funds data. For example, if the financial institution originating the money transfer belongs to a relatively large institution, the risk is relatively low, and so on. During specific implementation, a risk control model can be established in advance, and the risk evaluation is carried out on specific in-transit fund data through the specific model.

In addition, before the specific in-transit fund data is posted in the first account, the in-transit fund data may be transferred through other processing nodes such as banks, in this embodiment of the application, a notification message about the in-transit fund data arriving at a certain transfer node may be further received, and then, the information about the in-transit fund data arriving at the transfer node may be provided to the first user associated with the first account and/or the second user associated with the transfer-out account of the in-transit fund data. For example, as shown in fig. 4, a processing trace of the specific in-transit fund data is shown, including which processing nodes have been reached specifically, and corresponding time information, and so on.

It should be noted that, after transferring out a piece of in-transit fund data from the second account, an identifier such as an ID of a remittance document may be usually associated with the in-transit fund data, and during the process of transferring between each node, the identifier of the remittance document is provided, so that it may be determined whether the in-transit fund data belongs to the same piece of in-transit fund data according to the identifier of the remittance document associated with the specifically transferred fund data. And then displaying the processing track of the same fund-in-transit data.

In a specific implementation, since specific in-transit fund data is associated with a transaction order, information of the in-transit fund data processing track can be provided in an order detail page associated with the transaction order, and the fund data processing track comprises: processing nodes that the in-transit fund data has arrived and time information.

It should be noted that, in the embodiment of the present application, the specific trade order may include a trade order generated in a cross-border trading scenario. That is, the specific first user and the specific second user may correspond to different countries, and the specific in-transit fund data may be transferred from the second account by way of offline money transfer, and thus, may involve transfer across countries and financial institutions.

In summary, according to the embodiment of the application, the event generating the in-transit fund data in the first account can be sensed, the information of the transaction order related to the in-transit fund data can be determined, and the transaction order can be further modified into the in-payment state, so that the seller user can perform fulfillment processing on the transaction order based on the in-payment state. That is, embodiments of the present application may provide an in-payment status for a particular trade order, and may enable the particular trade order to drive the in-payment status based on the generation of in-transit funds data and the association with the trade order. In this way, the seller user can perform the fulfillment process on the transaction order in advance without waiting for the specific fund data to actually complete the posting in the first account, and therefore, the fulfillment process time can be shortened.

Example two

The second embodiment provides an information processing method from the perspective of a client of a seller user, that is, a payee user, and referring to fig. 5, the method may specifically include:

s501: providing a fund information display page for a first user;

s502: displaying information of in-transit fund data generated by the associated first account in the fund information display page, and providing operation options for associating transaction order information with the in-transit fund data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

s503: and receiving input transaction order information through the operation options and submitting the transaction order information to the server.

And after the transaction order information is submitted to the server, the transaction order information is used for establishing the incidence relation between the in-transit fund data and the transaction order and modifying the transaction order into a payment state.

In a specific implementation, a processing track associated with the in-transit fund data can be displayed, and the processing track comprises at least one processing node and corresponding time information.

EXAMPLE III

As described in the first embodiment, the payer, i.e., the second user, may also perform a specific transaction order correlation operation. Therefore, the third embodiment further discloses a fund information processing method, referring to fig. 6, where the method specifically includes:

s601: providing a fund information display page to a second user;

s602: in the fund information display page, displaying information of in-transit fund data transferred from the associated second account to the first account, and providing operation options for associating transaction order information with the in-transit fund data;

s603: and receiving input transaction order information through the operation options and submitting the transaction order information to the server.

Example four

In the fourth embodiment, a method for displaying transaction order information is provided mainly from the perspective of the first user client, for a scheme of specifically displaying the transaction order information. That is, the transaction order information may be presented to a particular payee user, and if in-transit funds data has been associated, the transaction order may be presented as a in-payment status such that the first user may perform a particular fulfillment process based on the status. Specifically, referring to fig. 7, the method may include:

s701: receiving a viewing request of a first user for a target trading order; the first user is a payee user associated with the target transaction order;

s702: acquiring information of the target trading order, wherein the information of the target trading order comprises: information of in-transit fund data associated with the target trade order; the information of the in-transit fund data comprises information of a first account and information of a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

s703: and displaying the information of the in-transit fund data in a detail information page of the target transaction order, and displaying the target transaction order as a payment state.

In a specific implementation, prompt information may be provided in a detail information page of the target transaction order, where the prompt information is used to prompt the first user to perform fulfillment processing on the target transaction order.

In addition, before providing the prompt information, a risk assessment result for the in-transit fund data is acquired, so that the prompt information is provided in the case that the assessment is passed.

In addition, an operation option for submitting fulfillment processing result information may be further included in the detail information page of the target transaction order, wherein the operation option may be in an inoperable state when the target transaction order is not associated with the in-transit fund data, and the operation option is displayed in an operable state after the target transaction order is associated with the in-transit fund data and the in-transit fund data is evaluated to pass.

In addition, information of the in-transit fund data processing track may be provided in the detail information page, and the fund data processing track includes: processing nodes that the in-transit fund data has arrived and time information.

EXAMPLE five

The fifth embodiment provides a method for displaying transaction order information from the perspective of the second user client. That is, after the payer user completes payment for the transaction order by sending money through the offline, if the payer user views the transaction order, the in-transit fund data information associated with the specific transaction order and the corresponding payment status can be provided to the payer user. Specifically, referring to fig. 8, the method may specifically include:

s801: receiving a viewing request of a second user for a target trading order; the second user is a payer user associated with the target transaction order;

s802: acquiring information of the target trading order, wherein the information of the target trading order comprises: information of in-transit fund data associated with the target trade order; the information of the in-transit fund data comprises information of a first account and information of a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

s803: and displaying the information of the in-transit fund data in a detail information page of the target transaction order, and displaying the target transaction order as a payment state.

In a specific implementation, the information of the in-transit fund data processing track may be provided in the detail information page, and the fund data processing track includes: processing nodes that the in-transit fund data has arrived and time information.

For the parts that are not described in detail in the second to fifth embodiments, reference may be made to the description of the first embodiment, which is not repeated herein.

It should be noted that, in the embodiments of the present application, the user data may be used, and in practical applications, the user-specific personal data may be used in the scheme described herein within the scope permitted by the applicable law, under the condition of meeting the requirements of the applicable law and regulations in the country (for example, the user explicitly agrees, the user is informed, etc.).

Corresponding to the first embodiment, an embodiment of the present application further provides an order information processing apparatus, and referring to fig. 9, the apparatus may include:

a notification message receiving unit 901 for receiving a notification message that the first account generates in-transit fund data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data; the in-transit fund data is used for paying for a transaction order generated in the commodity object information system;

a trade order information determination unit 902 for determining an identity of a trade order associated with the in-transit fund data;

a trade order state modifying unit 903, configured to modify the trade order into a payment-in-progress state, so as to perform fulfillment processing on the trade order based on the payment-in-progress state.

Wherein the notification message is issued by an in-transit funds network system configured to collect the in-transit funds data from a plurality of financial institution systems and provide the notification message if the first account associated with the number of in-transit funds belongs to a set of target accounts.

Specifically, the trade order information determining unit may be specifically configured to:

and extracting the postscript information associated with the in-transit fund data from the notification message, and acquiring the identifier of the transaction order according to the postscript information.

Wherein, the postscript information includes: all or part of the characters of the ID of the trade order;

the trade order information determining unit may be specifically configured to:

and determining the identification of the trade order according to all or part of characters of the ID of the trade order included in the additional information.

Or, the additional information includes: identification information of a first user and/or a second user associated with the trade order;

the trade order information determining unit may be specifically configured to:

determining an unfinished transaction order associated with the first user and/or the second user according to the identification information of the first user and/or the second user included in the additional information, and acquiring an identification of the unfinished transaction order.

In a specific implementation, the apparatus may further include:

and the payment information providing unit is used for providing information about a payment mode and the first account in the transaction order detail information page after receiving a transaction order inquiry request of a second user associated with the second account before the in-transit fund data is generated by the first account.

Further, the method may further include:

and the prompting unit is used for providing prompting information in the transaction order detail information page so as to prompt the second user to provide the additional language information in a specified mode.

In another mode, the trade order information determining unit may be specifically configured to:

determining an identity of a first user associated with the first account;

providing information that the first account generates in-transit fund data to a client associated with the first user and providing operational options for associating transaction order information with the in-transit fund data;

and determining the identification of the trading order associated with the in-transit fund data according to the information of the trading order received through the operation options.

Alternatively, the trade order information determining unit may be specifically configured to:

acquiring information of a second account related to the in-transit fund data from the notification message, wherein the second account is a transfer-out account of the in-transit fund data;

determining the identification of the associated second user according to the information of the second account;

providing information of the in-transit funds data to a client associated with the second user and providing operational options for associating transaction order information with the in-transit funds data;

In addition, the apparatus may further include:

and the risk evaluation unit is used for carrying out risk evaluation on the in-transit fund data so as to modify the transaction order into a payment state under the condition that the evaluation is passed.

Wherein the risk assessment unit may specifically be configured to:

performing a risk assessment on the in-transit fund data according to one or more of:

the amount of the in-transit fund data, historical collection record information of a first user associated with the first account, historical payment record information of a second user associated with the second account, historical transaction record information between the first user associated with the first account and the second user associated with the second account, and country, region and financial institution information associated with the second account.

In particular, the risk assessment unit may be configured to:

and if the first user associated with the first account successfully receives the payment for multiple times in the corresponding payment mode, or the second user associated with the second account successfully pays for multiple times in the corresponding payment mode, or a successful transaction record exists between the first user associated with the first account and the second user associated with the second account, or the credit level associated with the country, region or financial institution associated with the second account meets the target condition, the evaluation is passed.

In addition, the apparatus may further include:

a transfer notification receiving unit for receiving a notification message about arrival of the in-transit fund data at a transfer node;

and the transfer information providing unit is used for providing the information of the in-transit fund data reaching the transfer node to a first user associated with the first account and/or a second user associated with a transfer-out account of the in-transit fund data.

Additionally, information for the in-transit funds data processing track may also be provided in an order details page associated with the transaction order, the funds data processing track including: processing nodes that the in-transit fund data has arrived and time information.

Wherein the trade orders comprise trade orders generated in a cross-border trade scenario.

Corresponding to the second embodiment, the embodiment of the present application further provides a fund information processing apparatus, referring to fig. 10, the apparatus may include:

a first page display unit 1001 for providing a fund information display page to a first user;

a first association option providing unit 1002, configured to display, in the fund information display page, information of in-transit fund data generated by an associated first account, and provide an operation option for associating transaction order information with the in-transit fund data; the in-transit fund data comprises information of a first account and a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

the first trade order information submitting unit 1003 is configured to receive the input trade order information through the operation option and submit the received trade order information to the server.

In a specific implementation, the apparatus may further include:

and the processing track display unit is used for displaying the processing track associated with the in-transit fund data, and the processing track comprises at least one processing node and corresponding time information.

Corresponding to the embodiment, the embodiment of the present application further provides a fund information processing apparatus, referring to fig. 11, the apparatus may include:

a second page display unit 1101, configured to provide a fund information display page to the second user client;

a second association option providing unit 1102, configured to display, in the fund information display page, information of in-transit fund data transferred from the associated second account to the first account, and provide an operation option for associating transaction order information with the in-transit fund data;

and a second trade order information submitting unit 1103, configured to receive, through the operation option, the input trade order information and submit the received trade order information to the server.

Corresponding to the fourth embodiment, the embodiment of the present application further provides a trade order information display apparatus, referring to fig. 12, the apparatus may include:

a first order viewing request receiving unit 1201, configured to receive a viewing request of a first user for a target trading order; the first user is a payee user associated with the target transaction order;

a first order information obtaining unit 1202, configured to obtain information of the target trade order, where the information of the target trade order includes: information of in-transit fund data associated with the target trade order; the information of the in-transit fund data comprises information of a first account and information of a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

a first display unit 1203, configured to display information of the in-transit fund data in a detail information page of the target transaction order, and display the target transaction order as a state of payment.

In a specific implementation, the apparatus may further include:

and the prompt information providing unit is used for providing prompt information in a detail information page of the target transaction order, and the prompt information is used for prompting the first user to execute fulfillment processing on the target transaction order.

In addition, the method can also comprise the following steps:

and the risk assessment information acquisition unit is used for acquiring a risk assessment result of the in-transit fund data before providing the prompt information so as to provide the prompt information under the condition that the assessment is passed.

The detail information page of the target transaction order also comprises an operation option used for submitting fulfillment processing result information, wherein when the target transaction order is not related to the in-transit fund data, the operation option is in a non-operable state, and when the target transaction order is related to the in-transit fund data and the in-transit fund data passes evaluation, the operation option is displayed in an operable state.

In addition, the apparatus may further include:

a processing track display unit, configured to provide information of the in-transit fund data processing track in the detail information page, where the fund data processing track includes: processing nodes that the in-transit fund data has arrived and time information.

Corresponding to the fifth embodiment, the present application further provides a trade order information display apparatus, referring to fig. 13, where the apparatus may include:

a second order viewing request receiving unit 1301, configured to receive a viewing request of a second user for a target trade order; the second user is a payer user associated with the target transaction order;

a second order information obtaining unit 1302, configured to obtain information of the target trade order, where the information of the target trade order includes: information of in-transit fund data associated with the target trade order; the information of the in-transit fund data comprises information of a first account and information of a second account, the first account is a target transfer-in account of the in-transit fund data, and the second account is a transfer-out account of the in-transit fund data;

and a second display unit 1303, configured to display the information of the in-transit fund data in a detail information page of the target transaction order, and display the target transaction order as a state under payment.

Wherein, the device can also include:

In addition, the present application also provides a computer readable storage medium, on which a computer program is stored, which when executed by a processor implements the steps of the method described in any of the preceding method embodiments.

And an electronic device comprising:

one or more processors; and

a memory associated with the one or more processors for storing program instructions that, when read and executed by the one or more processors, perform the steps of the method of any of the preceding method embodiments.

Fig. 14 illustrates an architecture of an electronic device, which may include, in particular, a processor 1410, a video display adapter 1411, a disk drive 1412, an input/output interface 1413, a network interface 1414, and a memory 1420. The processor 1410, video display adapter 1411, disk drive 1412, input/output interface 1413, network interface 1414, and memory 1420 may be communicatively coupled via a communication bus 1430.

The processor 1410 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solution provided in the present Application.

The Memory 1420 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 1420 may store an operating system 1421 for controlling the operation of the electronic device 1400, and a Basic Input Output System (BIOS) for controlling low-level operations of the electronic device 1400. In addition, a web browser 1423, a data storage management system 1424, and a funding information processing system 1425, among others, may also be stored. The fund information processing system 1425 may be an application program that implements the operations of the foregoing steps in this embodiment of the application. In summary, when the technical solution provided by the present application is implemented by software or firmware, the relevant program codes are stored in the memory 1420 and called to be executed by the processor 1410.

The input/output interface 1413 is used for connecting an input/output module to input and output information. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.

The network interface 1414 is used for connecting a communication module (not shown in the figure) to enable the device to interact with other devices. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).

The bus 1430 includes a path that allows information to be transferred between various components of the device, such as the processor 1410, the video display adapter 1411, the disk drive 1412, the input/output interface 1413, the network interface 1414, and the memory 1420.

It should be noted that although the above-described apparatus only shows the processor 1410, the video display adapter 1411, the disk drive 1412, the input/output interface 1413, the network interface 1414, the memory 1420, the bus 1430 and the like, in a specific implementation, the apparatus may also include other components necessary for proper operation. Furthermore, it will be understood by those skilled in the art that the apparatus described above may also include only the components necessary to implement the solution of the present application, and not necessarily all of the components shown in the figures.

From the above description of the embodiments, it is clear to those skilled in the art that the present application can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present application may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

The order information processing method, the order information processing device and the electronic device provided by the application are introduced in detail, a specific example is applied in the description to explain the principle and the implementation of the application, and the description of the embodiment is only used for helping to understand the method and the core idea of the application; meanwhile, for a person skilled in the art, according to the idea of the present application, the specific embodiments and the application range may be changed. In view of the above, the description should not be taken as limiting the application.

Claims

1. An order information processing method is characterized by comprising the following steps:

2. The method of claim 1,

the notification message is issued by an in-transit funds network system that is configured to collect the in-transit funds data from a plurality of financial institution systems and provide the notification message if the first account associated with the number of in-transit funds belongs to a set of target accounts.

3. The method of claim 1,

the determining an identification of a trade order associated with the in-transit funds data comprises:

4. The method of claim 3,

the additional information comprises: all or part of the characters of the ID of the trade order;

the obtaining of the identifier of the trade order according to the additional information includes:

5. The method of claim 3,

the additional information comprises: identification information of a first user and/or a second user associated with the trade order;

6. The method of claim 3, further comprising:

and before the first account generates in-transit fund data, after receiving a transaction order inquiry request of a second user associated with the second account, providing information about a payment mode and the first account in the transaction order detail information page.

7. The method of claim 6, further comprising:

providing prompt information in the transaction order detail information page for prompting the second user to provide the additional information in a specified mode.

8. The method of claim 1,

determining an identity of a first user associated with the first account;

9. The method of claim 1,

10. The method of claim 1, further comprising:

performing a risk assessment on the in-transit funds data to modify the trade order to an in-payment state if the assessment passes.

11. The method of claim 10,

the risk assessment of the in-transit fund data comprises:

12. The method of claim 10,

the risk assessment of the in-transit fund data comprises:

13. The method of claim 1, further comprising:

receiving a notification message about the arrival of the in-transit fund data at a transit node;

and providing the information of the funds in transit data reaching the transfer node to a first user associated with the first account and/or a second user associated with the transfer-out account of the funds in transit data.

14. The method of claim 13, further comprising:

providing information of the in-transit funds data processing track in an order detail page associated with the trade order, the funds data processing track including: processing nodes that the in-transit fund data has arrived and time information.

15. The method according to any one of claims 1 to 14,

the trade orders comprise trade orders generated in a cross-border trade scenario.

16. A method of processing funding information, comprising:

providing a fund information display page for a first user;

17. The method of claim 16,

and after the transaction order information is submitted to the server, the transaction order information is used for establishing an incidence relation between the in-transit fund data and the transaction order and modifying the transaction order into a payment state.

18. The method of claim 16, further comprising:

and displaying a processing track associated with the in-transit fund data, wherein the processing track comprises at least one processing node and corresponding time information.

19. A method of processing funding information, comprising:

providing a fund information display page to a second user;

20. The method of claim 19,

21. A transaction order information display method is characterized by comprising the following steps:

22. The method of claim 21, further comprising:

and providing prompt information in a detail information page of the target transaction order, wherein the prompt information is used for prompting the first user to execute fulfillment processing on the target transaction order.

23. The method of claim 22, further comprising:

obtaining a risk assessment result for the in-transit fund data before providing the prompt message so as to provide the prompt message in case of passing the assessment.

24. The method of claim 23,

the detail information page of the target transaction order also comprises an operation option used for submitting fulfillment processing result information, wherein when the target transaction order is not associated with the in-transit fund data, the operation option is in an inoperable state, and when the target transaction order is associated with the in-transit fund data and the in-transit fund data passes evaluation, the operation option is displayed in an operable state.

25. The method of claim 21, further comprising:

providing information of the in-transit fund data processing track in the detail information page, the fund data processing track comprising: processing nodes that the in-transit fund data has arrived and time information.

26. A transaction order information display method is characterized by comprising the following steps:

27. The method of claim 26, further comprising:

28. An order information processing apparatus characterized by comprising:

29. A money information processing apparatus, characterized by comprising:

30. A money information processing apparatus, characterized by comprising:

31. A trade order information display apparatus, comprising:

32. A trade order information display apparatus, comprising:

33. A computer-readable storage medium, on which a computer program is stored, which program, when being executed by a processor, is adapted to carry out the steps of the method of any one of claims 1 to 27.

34. An electronic device, comprising:

one or more processors; and

a memory associated with the one or more processors for storing program instructions that, when read and executed by the one or more processors, perform the steps of the method of any of claims 1 to 27.